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All Journal EKSYAR: Jurnal Ekonomi Syari'ah & Bisnis Islam Jurnal Ulul Albab 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 Journal of Economic, Business and Engineering (JEBE) 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 Automotive Engineering 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 Engineering Environmental Science Health Professions Industrial & Manufacturing Engineering Languange, Linguistic, Communication & Media Law, Crime, Criminology & Criminal Justice Mechanical Engineering 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.
PENDIDIKAN SOSIALITA BERBASIS AL-QUR’AN MELALUI METODE QUICK AND SMART QUR’AN DI DESA PERAMPUAN KECAMATAN LABUAPI LOMBOK BARAT Ariani, Zaenafi; Muhirdan, Muhirdan; Hidayanti, Nur Fitri; Rahmawati, Endang; Wiramaya, Devi Sastika; Rohayu, Rina
Journal of Community Empowerment Vol 5, No 1 (2026): Maret
Publisher : Universitas Muhammadiyah Mataram

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.31764/jce.v5i1.38766

Abstract

ABSTRAK                                                                                     Perkembangan teknologi digital dan media sosial telah memengaruhi pola kehidupan sosial ibu rumah tangga, termasuk munculnya fenomena sosialita di kalangan masyarakat menengah ke bawah. Pergeseran makna sosialita dari aktivitas sosial berbasis kepedulian menjadi simbol eksistensi diri di ruang digital berpotensi melemahkan karakter humanis dan spiritual. Kegiatan pengabdian kepada masyarakat ini bertujuan melakukan pendampingan dan penguatan karakter ibu-ibu sosialita melalui pembelajaran Al-Qur’an menggunakan metode Quick and Smart Qur’an (QSQ) di Desa Perampuan, Kecamatan Labuapi, Kabupaten Lombok Barat. Metode pelaksanaan meliputi sosialisasi program, pembentukan kelompok binaan, serta kajian Al-Qur’an intensif dengan pendekatan visual, auditori, kinestetik, cerita, imajinasi, dan diskusi interaktif. Evaluasi dilakukan melalui pre-test dan post-test, observasi partisipatif, serta dokumentasi kegiatan. Melibatkan 30 peserta, dilaksanakan 10 sesi pembelajaran intensif. Tingkat partisipasi aktif peserta mencapai 75% serta terbentuk satu komunitas belajar Al-Qur’an yang aktif dan berkelanjutan. Evaluasi kuantitatif menunjukkan peningkatan pemahaman nilai-nilai Al-Qur’an sebesar 38%. Selain itu, terjadi peningkatan indikator soft skills, yaitu disiplin kehadiran sebesar 30%, empati sosial sebesar 25%, dan komitmen spiritual sebesar 35%. Program ini menunjukkan bahwa metode QSQ efektif sebagai model pendampingan karakter berbasis Al-Qur’an yang adaptif dan transformatif bagi komunitas ibu-ibu sosialita, serta berpotensi direplikasi dalam pembinaan karakter keagamaan perempuan di tingkat lokal.Kata kunci: Ibu-Ibu Sosialita; Pembelajaran Al-Qur’an; Quick and Smart Qur’an; Penguatan Karakter. ABSTRACTThe development of digital technology and social media has influenced the social life patterns of housewives, including the emergence of the socialite phenomenon among lower-middle-class communities. The shift in the meaning of socialite from social activities based on humanitarian concern to a symbol of self-existence in digital spaces has the potential to weaken humanistic and spiritual character. This community service program aims to provide mentoring and strengthen the character of socialite housewives through Qur’anic learning using the Quick and Smart Qur’an (QSQ) method in Perampuan Village, Labuapi District, West Lombok Regency. The implementation method includes program socialization, the formation of participant groups, and intensive Qur’anic study using visual, auditory, kinesthetic, storytelling, imagination, and interactive discussion approaches. Evaluation was conducted through pre-test and post-test, participatory observation, and activity documentation. The program involved 30 participants and was conducted through 10 intensive learning sessions. The results show that the active participation rate of participants reached 75%, and a sustainable Qur’anic learning community was successfully established. Quantitative evaluation indicates an increase in participants’ understanding of Qur’anic values by 38%. Furthermore, there was an improvement in several soft skill indicators, including a 30% increase in attendance discipline, a 25% increase in social empathy, and a 35% increase in spiritual commitment. The program demonstrates that the Quick and Smart Qur’an (QSQ) method is effective as an adaptive and transformative Qur’an-based character mentoring model for socialite housewife communities. Moreover, this model has the potential to be replicated as an approach to strengthening religious character development among women at the local community level.Keywords: Socialite Mothers; Qur’anic Learning; Quick and Smart Qur’an; Character Strengthening.
STRATEGI PEMBERDAYAAN EKONOMI UMAT BERBASIS KULINER SYARIAH DAN LITERASI DIGITAL UNTUK KOMUNITAS MAJELIS TAKLIM BAITURRAHMAN PESONA GRIYA ASRI Zaki, Muhammad; Hidayanti, Nur Fitri; Ariani, Zaenafi; Rahmawati, Endang; Ilham, Ilham; Hulaimi, Ahmad
Journal of Community Empowerment Vol 5, No 1 (2026): Maret
Publisher : Universitas Muhammadiyah Mataram

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.31764/jce.v5i1.35973

Abstract

ABSTRAKPelaku usaha kuliner yang tergabung dalam Komunitas Majelis Taklim Baiturrahman Pesona Griya Asri menghadapi berbagai permasalahan dalam pengelolaan usaha, khususnya pengelolaan keuangan yang masih tradisional, belum melakukan perhitungan Harga Pokok Produksi (HPP) secara sistematis, mencampur keuangan usaha dengan keuangan pribadi, serta memiliki keterbatasan literasi digital untuk mendukung pemasaran produk. Kegiatan pengabdian kepada masyarakat ini bertujuan untuk meningkatkan kapasitas ekonomi umat melalui pemberdayaan pelaku usaha kuliner berbasis prinsip syariah dan literasi digital sehingga mampu mengelola usaha secara lebih profesional dan berdaya saing. Metode pelaksanaan menggunakan pendekatan partisipatif-terintegrasi melalui Focus Group Discussion (FGD) untuk identifikasi kebutuhan, workshop perhitungan HPP dan pencatatan keuangan digital, pelatihan literasi digital meliputi fotografi produk dan pemanfaatan media sosial serta e-commerce, seminar fikih muamalah, serta pendampingan dan monitoring pascapelatihan. Kegiatan dilaksanakan di Perumahan Pesona Griya Asri, Lombok Barat, dengan mitra sasaran anggota Majelis Taklim Baiturrahman yang memiliki usaha kuliner, melibatkan sebanyak 25 peserta. Hasil kegiatan menunjukkan adanya peningkatan pemahaman peserta mengenai perhitungan HPP, meningkatnya kemampuan dalam menggunakan aplikasi pencatatan keuangan digital, tumbuhnya konsistensi dalam melakukan pencatatan keuangan usaha secara rutin, meningkatnya pemanfaatan platform digital untuk pemasaran produk, serta meningkatnya pemahaman peserta terhadap praktik bisnis yang sesuai dengan prinsip ekonomi syariah sehingga mendukung penguatan kapasitas usaha kuliner masyarakat secara berkelanjutan.Kata kunci: Pemberdayaan Ekonomi; Kuliner Syariah; Literasi Digital; UMKM.ABSTRACTCulinary entrepreneurs who are members of the Majelis Taklim Baiturrahman Pesona Griya Asri community face various challenges in managing their businesses, particularly in financial management which is still traditional in nature. Many of them have not systematically calculated the Cost of Goods Sold (COGS), still mix business finances with personal finances, and have limited digital literacy to support product marketing. This community service activity aims to enhance the economic capacity of the community through the empowerment of culinary entrepreneurs based on sharia principles and digital literacy so that they are able to manage their businesses more professionally and competitively. The implementation method employed a participatory-integrated approach through Focus Group Discussions (FGD) to identify needs, workshops on COGS calculation and digital financial record-keeping, digital literacy training including product photography and the utilization of social media and e-commerce platforms, seminars on fiqh muamalah, as well as post-training mentoring and monitoring. The activity was conducted in the Pesona Griya Asri Housing Area, West Lombok, targeting members of the Majelis Taklim Baiturrahman who run culinary businesses, involving a total of 25 participants. The results of the activity indicate an increase in participants’ understanding of COGS calculation, improved ability to use digital financial recording applications, growing consistency in conducting routine business financial records, increased utilization of digital platforms for product marketing, and enhanced understanding of business practices in accordance with sharia economic principles, thereby supporting the sustainable strengthening of community-based culinary enterprises. Keywords: Economic Empowerment; Sharia Culinary; Digital Literacy; MSMEs.
SHARIA PEER-TO-PEER LENDING AND ISLAMIC FINANCIAL LITERACY IN ENHANCING MSMES’ ACCESS TO FINANCING: EVIDENCE FROM MATARAM CITY Hidayanti, Nur Fitri; Sahman, Sahman
Journal of Economic, Business and Engineering (JEBE) Vol. 7 No. 2 (2026): April
Publisher : Universitas Sains Al Qur'an

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.32500/jebe.v7i2.10980

Abstract

This study examines the influence of Sharia Peer-to-Peer (P2P) lending usage and Islamic financial literacy on MSMEs’ access to financing in Mataram City. MSMEs play a strategic role in economic development; however, limited access to formal financing remains a major challenge. The growth of sharia-based fintech services, particularly P2P lending, provides an alternative funding source, which is expected to be strengthened by adequate Islamic financial literacy. This research employed a quantitative approach using an associative survey design. Data were collected through a structured closed-ended questionnaire measured on a five-point Likert scale and distributed online. A total of 133 MSME actors were selected using purposive sampling. The collected data were analyzed using multiple linear regression with IBM SPSS. The results indicate that Sharia P2P lending usage has a positive and significant effect on MSMEs’ access to financing (β = 0.367, p < 0.001), and Islamic financial literacy also shows a positive and significant effect (β = 0.454, p < 0.001). Simultaneously, both variables significantly influence access to financing (F = 59.734, p < 0.001), with an explanatory power of 47.9% (R² = 0.479). These findings highlight the importance of integrating sharia fintech adoption and strengthening Islamic financial literacy to enhance MSMEs’ financing accessibility. In terms of novelty, this study provides empirical evidence on the simultaneous role of sharia fintech and Islamic financial literacy in improving MSMEs’ access to financing within a developing regional context that remains underexplored in prior studies. This study contributes empirically to the development of Islamic financial inclusion and provides practical implications for policymakers and fintech providers in supporting sustainable MSME growth.
Co-Authors Abdurahman Abdurrahman 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 Muhammad Zaki Muhirdan, Muhirdan Mukhlishin, Mukhlishin Nabila, Aprilian Ningsih, Nurul Hidayati Indra Nur Aini Rahmat Rahmat Rohayu H, Rina Safira, Safira Sahman, Sahman Said, Khaeruddin Siti Lamusiah, Siti Syaharuddin Syaharuddin Syaharuddin Tazhdinov, Magomed Triyunarni, Baiq Reinalda Vera Mandailina, Vera Wibisono, M. Putra Wiramaya, Devi Sastika Z, Sahman