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All Journal EKSYAR: Jurnal Ekonomi Syari'ah & Bisnis Islam Jurnal Ulul Albab Jesya (Jurnal Ekonomi dan Ekonomi Syariah) Jurnal Equity JPEK (Jurnal Pendidikan Ekonomi dan Kewirausahaan) JURNAL Al-AZHAR INDONESIA SERI SAINS DAN TEKNOLOGI EKONOMI, KEUANGAN, INVESTASI DAN SYARIAH (EKUITAS) Community Development Journal: Jurnal Pengabdian Masyarakat JMK Jurnal Manajemen dan Kewirausahaan IIJSE Journal of Community Empowerment Journal of Islamic Economics and Finance NuCSJo : Nusantara Community Service Journal Advance Sustainable Science, Engineering and Technology (ASSET) Equity Journal of Sharia Economy and Islamic Tourism Jurnal Kegiatan Pengabdian Mahasiswa (JKPM)
Hidayanti, Nur Fitri
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Religion Humanities Biochemistry, Genetics & Molecular Biology Chemistry Civil Engineering, Building, Construction & Architecture Computer Science & IT Control & Systems Engineering Decision Sciences, Operations Research & Management Economics, Econometrics & Finance Education Electrical & Electronics Engineering Environmental Science Health Professions Industrial & Manufacturing Engineering Languange, Linguistic, Communication & Media Law, Crime, Criminology & Criminal Justice Public Health Social Sciences Other

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Islamic Work Ethic of Employees of PT. Asuransi Jiwa Manulife Indonesia (Manulife Indonesia) Branch Office of Bank Danamon Indonesia, Tbk Mataram City Hulaimi, Ahmad; Hidayanti, Nur Fitri
Indonesian Interdisciplinary Journal of Sharia Economics (IIJSE) Vol 6 No 3 (2023): Sharia Economics
Publisher : Sharia Economics Department Universitas KH. Abdul Chalim, Mojokerto

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.31538/iijse.v6i3.4165

Abstract

The religion of Islam which is based on the Qur’an and al-Hadith as a guide and guidance for Muslims has a function not only to regulate in terms of worship but also to regulate the people in making demands in matters relating to work. In the Qur’an and al-Hadith, it is clear about good work and how we earn sustenance in a way that pleases Allah SWT. It is very important to discuss this, the work ethic in the Islamic view is the knitting of values ​​that shape the personality of a Muslim at work. Many of us encounter in print and electronic media, customers who complain about the service or type of satisfaction provided by the company. This study aims to determine the extent of the process from start to finish in ensuring the company PT. Asuransi Jiwa Manulife Indonesia (Manulife Indonesia) Branch Office of Bank Danamon Indonesia, Tbk Kota Mataram, so that the information obtained can help the wider community, especially the Indonesian people. This study used a qualitative approach and observations were conducted from January 2023 to February 2023. Data collection techniques were carried out by means of 1) Observation 2) Interviews, and 3) Documentation, as well as technical analysis of the data obtained by the researchers, both the results of interviews with several informants, observations, and documentation that were later processed by researchers and analyzed qualitatively. The results of the research, it has been found in the field that marketing department employees have been dishonest to prospective customers. In the future, there will be inconvenience to customers which results in customer distrust of the company. Therefore, the work ethic in Islam is not enough to only rely on conceptual abilities, but also on high moral commitment and noble character. The Qur’an says that “Allah made human beings a caliph for common prosperity that is carried out fairly and does not follow lust.” The religion of Islam which is based on the Qur’an and al-Hadith as a guide and guidance for Muslims has a function not only to regulate in terms of worship but also to regulate the people in making demands in matters relating to work. In the Qur’an and al-Hadith, it is clear about good work and how we earn sustenance in a way that pleases Allah SWT. It is very important to discuss this, the work ethic in the Islamic view is the knitting of values ​​that shape the personality of a Muslim at work. Many of us encounter in print and electronic media, customers who complain about the service or type of satisfaction provided by the company. This study aims to determine the extent of the process from start to finish in ensuring the company PT. Asuransi Jiwa Manulife Indonesia (Manulife Indonesia) Branch Office of Bank Danamon Indonesia, Tbk Kota Mataram, so that the information obtained can help the wider community, especially the Indonesian people. This study used a qualitative approach and observations were conducted from January 2023 to February 2023. Data collection techniques were carried out by means of 1) Observation 2) Interviews, and 3) Documentation, as well as technical analysis of the data obtained by the researchers, both the results of interviews with several informants, observations, and documentation that were later processed by researchers and analyzed qualitatively. The results of the research, it has been found in the field that marketing department employees have been dishonest to prospective customers. In the future, there will be inconvenience to customers which results in customer distrust of the company. Therefore, the work ethic in Islam is not enough to only rely on conceptual abilities, but also on high moral commitment and noble character. The Qur’an says that “Allah made human beings a caliph for common prosperity that is carried out fairly and does not follow lust.”
Impact of Fintech and Risk Management on The Sustainability Performance of MSMEs (Micro, Small and Medium Enterprises) Safira, Safira; Agustina, Ahadiah; Hidayanti, Nur Fitri; Mukhlishin, Mukhlishin
EQUITY Vol 28 No 1 (2025): EQUITY
Publisher : Department of Accounting, Faculty of Economics and Business, Universitas Pembangunan Nasional Veteran Jakarta

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.34209/equ.v28i1.10160

Abstract

This study aims to analyse the impact of Fintech and Risk Management on the Sustainability Performance of MSMEs in Mataram City. Using a quantitative approach, this study involved 100 MSMEs that have adopted Fintech services in the sub-district cakranegara and sub-district mataram areas. Data was collected through a 5-point Interval scale-based questionnaire and analysed using multiple linear regression with SPSS software version 22. The results showed that Fintech has a significant effect of 27.8% on MSME Sustainability Performance, while Risk Management has a significant effect of 53%. These findings highlight the importance of digital financial literacy and strategic risk management implementation in supporting MSME business sustainability. This research recommends MSME players to optimally utilise Fintech services and implement structured risk management. In addition, government policies are expected to facilitate digital financial literacy training and provide technical guidance on risk management for MSMEs. With this approach, Fintech will not only improve MSME competitiveness but also strengthen their business sustainability in the digital economy era. Keywords: Financial Technology (Fintech); Risk Management; Sustainability Performance MSMEs.
Optimalisasi Pengelolaan Kelas Riset Sebagai Program Lulus Tanpa Skripsi di Fakultas Agama Islam Syaharuddin, Syaharuddin; Rahmawati, Endang; Aqodiah, Aqodiah; Z, Sahman; Hidayanti, Nur Fitri; Ariani, Zaenafi
NuCSJo : Nusantara Community Service Journal Vol. 2 No. 1 (2025)
Publisher : Lembaga Penelitian Dan Publikasi Ilmiah

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.70437/nucsjo.v2i1.261

Abstract

Pengelolaan riset yang efektif merupakan kunci keberhasilan mahasiswa dalam menghasilkan penelitian berkualitas dan publikasi ilmiah. Kegiatan Pengabdian Kepada Masyarakat ini bertujuan untuk mengoptimalkan pengelolaan Program Kelas Riset sebagai alternatif lulus tanpa skripsi di Fakultas Agama Islam. Metode kegiatan dilaksanakan melalui pendampingan dan simulasi pengelolaan riset yang melibatkan 45 mahasiswa peserta Kelas Riset. Kegiatan mencakup penyampaian materi, praktik simulasi pengajuan judul penelitian, penyusunan proposal mini riset, sistem bimbingan dosen, serta proses publikasi artikel ilmiah, yang dikombinasikan dengan diskusi interaktif untuk meningkatkan pemahaman peserta secara konseptual dan praktis. Tahapan kegiatan meliputi pra pelaksanaan, pelaksanaan, dan evaluasi. Hasil evaluasi menunjukkan rata-rata skor pemahaman peserta sebesar 83,64, dengan nilai tertinggi 88,37 dan nilai terendah 78,60. Hasil ini menegaskan bahwa metode pendampingan dan simulasi efektif dalam meningkatkan kompetensi mahasiswa dalam pengelolaan riset secara sistematis dan terarah.
The The Role of Sharia Digital Financial Literacy in MSME Saving and Investment Behavior Afrianti, Lusiana; Mukhlishin, Mukhlishin; Hidayanti, Nur Fitri
Jesya (Jurnal Ekonomi dan Ekonomi Syariah) Vol 9 No 1 (2026): Artikel Riset Januari 2026
Publisher : LPPM Sekolah Tinggi Ilmu Ekonomi Al-Washliyah Sibolga

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.36778/jesya.v9i1.2576

Abstract

This study examines the role of Sharia Digital Financial Literacy in MSME saving and investment behavior in Mataram City. The growing utilization of Islamic fintech services among MSMEs highlights the need for adequate digital capability and understanding of sharia-based financial principles. However, in this study, Islamic fintech is treated as the contextual setting of financial activities rather than as a mediating variable. The research applies a quantitative approach using an explanatory survey method. A total of 110 MSME respondents were selected through purposive sampling, with the criterion of having used Islamic fintech services for at least three months. Data were collected using a Likert-scale (1–5) questionnaire measuring Sharia digital financial literacy as the independent variable, and saving and investment behavior as dependent variables. The data were analyzed using simple linear regression to assess the direct association between variables.The results indicate that Sharia Digital Financial Literacy is positively and statistically significantly associated with investment behavior. However, the explanatory power of the model is relatively low, with an R Square value of 7.1%, indicating that most of the variation in investment behavior is explained by factors outside the model. The association with saving behavior is positive but not statistically significant. These findings suggest that although Sharia digital financial literacy has a measurable statistical relationship with investment behavior, its substantive contribution remains limited. Therefore, improving MSME financial behavior likely requires consideration of additional structural, behavioral, and institutional factors beyond digital financial literacy alone.
Co-Authors Abdurahman Abdurrahman Afrianti, Lusiana Ahadiah Agustina Ahmad Hulaimi AHMAD HULAIMI, AHMAD Akbar, M. Taufik Aqodiah, Aqodiah Ariani, Zaenafi Buanita, Buanita Dewi, Novi Yanti Sandra Endang Rahmawati, Endang Fachry Abda El Rahman Hudri, Muhammad Ilham Ilham Indri Indri Iswanto, Dedy Kartina Kartina Mabrur, Imam Mappanyompa, Mappanyompa Mega, Baiq Indah Mos Indrawati Mukhlishin, Mukhlishin Nabila, Aprilian Ningsih, Nurul Hidayati Indra Nur Aini Rahmat Rahmat Safira, Safira Said, Khaeruddin Siti Lamusiah, Siti Syaharuddin Syaharuddin Syaharuddin Tazhdinov, Magomed Triyunarni, Baiq Reinalda Vera Mandailina, Vera Wibisono, M. Putra Z, Sahman