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All Journal Journal of Islamic Monetary Economics and Finance Journal of Islamic Economic and Business Research Smart Society: Community Service and Empowerment Journal
Muhammad Rizky Prima Sakti
University College of Bahrain, Bahrain
Religion Humanities Economics, Econometrics & Finance Education Languange, Linguistic, Communication & Media Social Sciences Other

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DEVELOPING AN ISLAMIC FINANCIAL INCLUSION INDEX FOR ISLAMIC BANKS IN INDONESIA: A CROSS-PROVINCE ANALYSIS M. Mahbubi Ali; Muhammad Rizky Prima Sakti; Abrista Devi
Journal of Islamic Monetary Economics and Finance Vol 5 No 4 (2019)
Publisher : Bank Indonesia

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.21098/jimf.v5i4.1098

Abstract

This study measures an Islamic financial inclusion index in Indonesia based on three dimensions, namely the accessibility, availability and usage of Islamic banking services. Additionally, it measures the relationship between the Islamic financial inclusion index and the human development index (HDI). The study found that the level of Islamic financial inclusion in Indonesia is relatively low at the national level. DKI Jakarta is the most financially inclusive province in Indonesia, followed by East Java and Nanggroe Aceh Darussalam. In contrast, East Nusa Tenggara has the lowest average Islamic financial inclusion index. The findings also revealed a positive correlation between the Islamic financial inclusion index and HDI. Those provinces with the highest Islamic financial inclusion index were also likely to have a higher HDI. The findings of the present study suggest that both policymakers and the Islamic financial industry should play a greater role in improving financial access to low-income segments, especially in the eastern part of Indonesia such as East Nusa Tenggara and Papua provinces.
Religiosity as a Stress Buffer: An Investigation of Muslim Women's Work-Life Conflict and Job Stress among Minangkabau Women Purbo Jadmiko; Elfitra Azliyanti; Muhammad Rizky Prima Sakti
Journal of Islamic Economic and Business Research Vol. 3 No. 2: December 2023
Publisher : Universitas Muhammadiyah Yogyakarta

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.18196/jiebr.v3i2.213

Abstract

This study investigates the impact of work-life conflict on work stress among Minangkabau women in diverse organizational settings. Data from 179 respondents were collected through purposive sampling using a survey approach. The research instrument incorporated variables such as perceived social support, work-life conflict, religiosity, and work stress. Confirmatory Factor Analysis (CFA) and Structural Equation Modeling (SEM) were employed for data analysis. Results indicate a significant influence of work-life conflict and religiosity on work stress levels, underscoring its pivotal role in shaping employees' psychological well-being. However, hypotheses concerning perceived social support (PSS) were not supported, revealing the intricacy of these relationships. Hypothesis testing demonstrated a notable relationship between work-life conflict and work stress, while perceived social support exhibited no significant impact. The discussion highlights the imperative of managing work-life conflict for stress reduction. The complex interplay among religiosity, perceived social support, and stress levels, moderated by contextual factors, was acknowledged. Recommendations include further research on religiosity and stress, exploring factors influencing PSS, and an in-depth analysis of social support dynamics. In conclusion, this study enhances our comprehension of nuanced relationships impacting work stress, providing insights for future interventions and managerial strategies to foster a supportive work environment.
The Impact of Service Quality and Service Loyalty on the Users Satisfaction at PT. Adhigana Pratama Mulya Batam Nazarwin Nazarwin; Riki Wanda Putra; Adhi Pratistha Silen; Markus Asta Patma Nugraha; M. Fitriansyah Aldebaran; Muhammad Rizky Prima Sakti
Smart Society Vol. 5 No. 2 (2025): Smart Society
Publisher : FOUNDAE (Foundation of Advanced Education)

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.58524/smartsociety.v5i2.808

Abstract

In an increasingly competitive service industry, understanding the determinants of user satisfaction is essential for organizational growth and customer retention. This study aims to examine the effects of service quality and service loyalty on user satisfaction at PT. Adhigana Pratama Mulya Batam. Employing a quantitative ex-post facto design, data were collected through questionnaires distributed to 200 respondents, consisting of ship crew members as direct users of the company’s services. The data were analyzed using multiple linear regression with the SPSS application. The results reveal that both service quality (t(197) = 4.419 > 1.984, p < 0.001) and service loyalty (t(197) = 9.957 > 1.984, p < 0.001) have significant positive effects on user satisfaction, while their combined influence is also statistically significant (F(2, 197) = 96.379 > 3.00, p < 0.001). These findings indicate that higher levels of service quality and employee loyalty lead to greater user satisfaction. The study suggests that the company should strengthen employee training, enhance user engagement, and continuously improve global service standards. Future research should incorporate additional factors such as infrastructure, technological facilities, pricing competitiveness, and brand image to obtain a more comprehensive understanding of user satisfaction
Coastal Clean-Up Campaign: A Community Response to Marine Litter in Pariaman City, Indonesia Budi Riyanto; Arya Widiatmaja; Rosnani Rosnani; Syafni Yelvi Siska; Akbar Alim; Markus Asta Patma Nugraha; M. Fitriansyah Aldebaran; Muhammad Rizky Prima Sakti
Smart Society Vol. 6 No. 1 (2026): Smart Society
Publisher : FOUNDAE (Foundation of Advanced Education)

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.58524/smartsociety.v6i1.955

Abstract

The coastal waste problem in Pariaman City, driven by rising plastic volumes, limited infrastructure, and disposal behaviors, threatens ecosystems and the tourism sector and requires coordinated intervention. This community service aims to implement an integrated cleanup with waste sorting and initial processing, while strengthening community capacity and environmental awareness. The “Coastal Clean-Up Campaign” applied a community-based participatory approach through coordinated clean-ups, source-level sorting, and initial composting. A total of 150 participants, including lecturers, students, village officials, and tourism stakeholders, were involved across 200-meter zones, supported by student-led scientific monitoring, before–after documentation, and the handover of bins and sorted waste to village authorities. The results indicate that the program was implemented effectively, with active stakeholder participation, visible environmental improvements, and the collection of 250 kg of sorted plastic and paper, some of which demonstrated economic value. This study presents a practical and replicable participatory model that integrates mass clean-up activities with source control, local governance support, and tourism stakeholder engagement. The findings highlight the importance of strengthening technical capacity, institutional support, periodic monitoring, and circular economy pathways to ensure sustainability. The program also increased environmental awareness and fostered local waste management groups, with outcomes that can support policy development and replication in other coastal tourism areas.
Co-Authors Abrista Devi Adhi Pratistha Silen Akbar Alim Arya Widiatmaja Azliyanti, Elfitra Budi Riyanto Jadmiko, Purbo M. Fitriansyah Aldebaran M. Fitriansyah Aldebaran M. Mahbubi Ali Markus Asta Patma Nugraha Nazarwin Nazarwin Riki Wanda Putra Rosnani Rosnani Syafni Yelvi Siska