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All Journal Komunikasi Fisika Indonesia IMAGE Journal of Health Education Scientific Journal of Reflection : Economic, Accounting, Management and Business JURNAL PENDIDIKAN TAMBUSAI JURNAL MANAJEMEN AKUNTANSI (JUMSI) JURNAL MITRA PRIMA International Journal of Education, Social Studies, And Management (IJESSM) INTERNATIONAL JOURNAL OF CULTURAL AND SOCIAL SCIENCE Jurnal Bina Bangsa Ekonomika Mazahib: Jurnal Pemikiran Hukum Islam Journal of Comprehensive Science Metodika:Journal of Educational Administration Journal of Islamic Economics Lariba e-Jurnal Inovasi Pembelajaran Sekolah Dasar Journal of Artificial Intelligence and Digital Business Innovative: Journal Of Social Science Research Jurnal Informasi Keagamaan, Manajemen dan Strategi Jurnal Riset Rumpun Ilmu Ekonomi (JURRIE) Physics Learning and Education AKSIOMA : Jurnal Sains Ekonomi dan Edukasi PENG: Jurnal Ekonomi dan Manajemen Journal of Multidisciplinary Inquiry in Science, Technology and Educational Research Jurnal Ragam Pengabdian e-Jurnal Inovasi Pembelajaran Sekolah Dasar
Fitri Hayati
Ibnu Sina Institute for Fundamental Science Studies, Universiti Teknologi Malaysia, 81310 UTM Skudai, Johor
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Kontribusi Mikrofinance terhadap Pencapaian Tujuan Pembangunan Berkelanjutan (SDGs) pada Sektor UMKM di Kota Binjai Fitri, Muhd. Aidil; Lubis, Adrian Niken; Noviyana, Nurul; Hayati, Fitri
RIGGS: Journal of Artificial Intelligence and Digital Business Vol. 4 No. 4 (2026): November - January
Publisher : Prodi Bisnis Digital Universitas Pahlawan Tuanku Tambusai

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.31004/riggs.v4i4.3882

Abstract

Lembaga keuangan mikro atau (microfinance), berkontribusi pada pencapaian Tujuan Pembangunan Berkelanjutan (SDGs) pada sektor usaha mikro, kecil, dan menengah (UMKM) di Kota Binjai. Penelitian ini terletak pada fakta bahwa pelaku UMKM masih memiliki akses terbatas pada pembiayaan formal dan bahwa banyak orang tidak tahu tentang keuangan, yang berdampak pada rendahnya kemandirian ekonomi lokal, microfinance Kota Binjai masih mengalami kendala seperti kapasitas kelembagaan yang terbatas, kurangnya digitalisasi layanan, dan kurangnya kolaborasi antar pemangku kepentingan. Peran microfinance dan dampaknya terhadap pembangunan berkelanjutan adalah subjek penelitian ini, yang dilakukan melalui pendekatan kualitatif dan metode studi literatur. Hasil penelitian menunjukkan bahwa microfinance memainkan peran penting dalam meningkatkan inklusi keuangan, meningkatkan akses permodalan, dan memberikan pendampingan usaha kepada usaha mikro dan kecil serta. Selain itu, microfinance juga berperan dalam mendorong peningkatan kapasitas pelaku usaha melalui edukasi dan pendampingan yang berkelanjutan, sehingga mampu menciptakan UMKM yang lebih mandiri dan berdaya saing. Peran tersebut secara langsung mendukung pencapaian SDG 1, SDG 8, SDG 10, dan SDG 17 melalui pengurangan kemiskinan, peningkatan produktivitas, pemerataan kesempatan ekonomi, dan penguatan kemitraan. Studi ini menemukan bahwa untuk membangun ekosistem microfinance yang inklusif, adaptif, dan berkelanjutan, tata kelola harus diperkuat, inovasi digital harus dipromosikan, dan kebijakan pemerintah daerah. Hal ini menjadi penting mengingat tantangan ekonomi lokal terus berkembang, sehingga dibutuhkan lembaga keuangan mikro yang mampu bertransformasi mengikuti kebutuhan UMKM  
Peran Lembaga Keuangan Pemerintah Vs Platform Pinjaman Online Dalam Pemberdayaan Umkm : Peluang dan Ancaman Amira, Bunga; P.H, Wira Herdika Firliansyah; Widyanto, Ricky; Hayati, Fitri
RIGGS: Journal of Artificial Intelligence and Digital Business Vol. 4 No. 4 (2026): November - January
Publisher : Prodi Bisnis Digital Universitas Pahlawan Tuanku Tambusai

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.31004/riggs.v4i4.5717

Abstract

Usaha Mikro, Kecil, dan Menengah (UMKM) memiliki peran strategis dalam perekonomian Indonesia sebagai penggerak pertumbuhan ekonomi dan penyedia lapangan kerja nasional. Meskipun demikian, keterbatasan akses terhadap pembiayaan masih menjadi kendala utama yang menghambat pengembangan, keberlanjutan, dan daya saing UMKM. Penelitian ini bertujuan untuk menganalisis peran lembaga keuangan pemerintah dan platform pinjaman online atau financial technology (fintech) dalam pemberdayaan UMKM, serta mengidentifikasi peluang dan ancaman yang muncul dari kedua model pembiayaan tersebut. Metode penelitian yang digunakan adalah deskriptif kualitatif dengan pendekatan komparatif, menggunakan data sekunder yang bersumber dari laporan Otoritas Jasa Keuangan, Bank Indonesia, serta berbagai jurnal dan literatur ilmiah yang relevan. Hasil penelitian menunjukkan bahwa lembaga keuangan pemerintah, khususnya melalui skema Kredit Usaha Rakyat, berperan penting dalam menyediakan pembiayaan yang stabil, berbunga rendah, serta disertai pendampingan usaha. Di sisi lain, fintech lending menawarkan kemudahan akses modal yang cepat, fleksibel, dan tanpa agunan, namun memiliki risiko berupa bunga tinggi, jeratan utang, pinjaman ilegal, serta ancaman keamanan data. Penelitian ini menyimpulkan bahwa sinergi antara lembaga keuangan pemerintah dan fintech menjadi kunci dalam menciptakan ekosistem pembiayaan UMKM yang inklusif, aman, dan berkelanjutan di era digital. Upaya kolaboratif, regulasi kuat, serta literasi keuangan berkelanjutan diperlukan agar manfaat pembiayaan dapat dirasakan merata nasional secara luas
Strategi Pelaku UMKM Di Pasar Petisah Medan Dalam Menghadapi Persaingan Usaha Damanik, Dian Farindah; Lubis, Farah Ananda; Disti, Pinasthika Alya; Hayati, Fitri
RIGGS: Journal of Artificial Intelligence and Digital Business Vol. 4 No. 4 (2026): November - January
Publisher : Prodi Bisnis Digital Universitas Pahlawan Tuanku Tambusai

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.31004/riggs.v4i4.5735

Abstract

Usaha Mikro, Kecil, dan Menengah (UMKM) merupakan tulang punggung perekonomian Indonesia karena perannya yang signifikan dalam penyerapan tenaga kerja, pemerataan pendapatan, serta menjaga ketahanan ekonomi di tengah dinamika ekonomi domestik dan global. Di Kota Medan, Pasar Petisah dikenal sebagai salah satu pusat perdagangan tradisional yang memiliki aktivitas ekonomi tinggi dan karakter interaksi sosial yang kuat antara pedagang dan konsumen. Namun demikian, Pasar Petisah menghadapi persaingan usaha yang semakin ketat, baik secara horizontal antar pedagang dengan produk sejenis maupun secara vertikal dari ritel modern dan platform perdagangan digital. Kondisi ini menuntut pelaku UMKM untuk menerapkan strategi usaha yang adaptif dan berorientasi pada keunggulan kompetitif. Penelitian ini bertujuan untuk menganalisis strategi yang diterapkan pelaku UMKM di Pasar Petisah Medan dalam menghadapi persaingan usaha tersebut. Metode penelitian yang digunakan adalah pendekatan kualitatif deskriptif dengan teknik pengumpulan data melalui wawancara mendalam, observasi lapangan, dan dokumentasi. Data dianalisis menggunakan model interaktif Miles dan Huberman yang meliputi reduksi data, penyajian data, serta penarikan kesimpulan. Hasil penelitian menunjukkan bahwa pelaku UMKM mengandalkan strategi diferensiasi relasional melalui layanan personal, keramahan, dan pembangunan loyalitas pelanggan, yang didukung oleh adaptasi bauran pemasaran serta pemanfaatan teknologi digital secara sederhana. Temuan ini menegaskan bahwa keberlangsungan UMKM Pasar Petisah tidak hanya ditentukan oleh faktor harga, tetapi juga oleh kemampuan membangun hubungan sosial dan beradaptasi terhadap perubahan lingkungan persaingan usaha.
Organizational readiness, management support, financial technology, and accounting information systems for supply chain performance: Insights from Islamic economics Hasibuan, Reni Ria Armayani; Hayati, Fitri; Nurhayati, Nurhayati
Journal of Islamic Economics Lariba Vol. 12 No. 2 (2026)
Publisher : Universitas Islam Indonesia

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.20885/jielariba.vol12.iss2.art13

Abstract

IntroductionMicro, small, and medium enterprises play a vital role in economic growth, employment generation, and regional development. However, increasing digitalization and supply chain complexity require these enterprises to strengthen organizational capabilities and integrate digital technologies to improve operational performance. Although organizational readiness, management support, financial technology, and accounting information systems have received growing scholarly attention, their integrated effects on supply chain performance remain insufficiently understood, particularly in emerging economies.ObjectivesThis study examines the effects of organizational readiness, management support, and financial technology adoption on supply chain performance while investigating the mediating role of accounting information systems. It also develops an integrated theoretical framework by combining organizational capability and digital transformation perspectives with insights from Islamic economics.MethodThis study employed a quantitative explanatory research design involving 396 micro, small, and medium enterprises operating in Medan, Indonesia. Data were collected through structured questionnaires administered to business owners and managers and analyzed using Structural Equation Modeling based on Partial Least Squares. The analysis evaluated measurement reliability and validity, structural relationships, and mediation effects among the proposed constructs.ResultsThe findings demonstrate that organizational readiness, management support, and financial technology adoption significantly improve accounting information systems and supply chain performance. Financial technology adoption exhibits the strongest influence on accounting information systems, while accounting information systems significantly enhance supply chain performance and mediate the effects of organizational readiness, management support, and financial technology adoption. These results indicate that successful digital transformation depends not only on technological adoption but also on organizational preparedness, leadership commitment, and integrated information systems that improve decision-making, operational coordination, and supply chain efficiency.ImplicationsThe findings suggest that managers should implement integrated digital transformation strategies by strengthening organizational readiness, leadership commitment, financial technology utilization, and accounting information systems simultaneously. Policymakers should support these efforts through digital infrastructure development, managerial capability enhancement, financial inclusion initiatives, and regulatory frameworks that facilitate sustainable digital transformation among micro, small, and medium enterprises.Originality/NoveltyThis study contributes to the digital transformation literature by integrating the Resource-Based View, the Technology–Organization–Environment framework, Dynamic Capabilities Theory, and the DeLone and McLean Information Systems Success Model into a unified framework explaining supply chain performance. It further enriches existing knowledge by incorporating Islamic economics perspectives that emphasize transparency, justice, financial inclusion, and ethical digital governance as complementary foundations for sustainable organizational performance.
Pengembangan Video Pembelajaran Berbasis Computer Aided Design (CAD) untuk Pembuatan Pola Busana Rumah pada Mata Kuliah Busana Anak Hayati, Fitri; Hadiastuti, Hadiastuti; Adriani, Adriani; Husni, Rafikah
Jurnal Ragam Pengabdian Vol. 3 No. 2 (2026): Mei-Agustus, Sustainable Development Goals (SDGs): Multidisciplinary Perspectiv
Publisher : Lembaga Teewan Journal Solutions

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.62710/h7rs4040

Abstract

This research was motivated by the limited availability of instructional media for learning children's home clothing pattern construction, which prevented students from reviewing the material independently. The study aimed to develop a valid and practical learning video on children's home clothing pattern making for the Children's Clothing course. This research and development (R&D) study employed the Four-D (4-D) model, comprising Define, Design, Develop, and Disseminate stages. Data were collected through observation, interviews, and assessment questionnaires. Validity was assessed by four validators (two material experts and two media experts), while practicality was evaluated by the course lecturer and students in two trial stages: a small-group trial (10 students) and a large-group trial (32 students). Results showed a material validation score of 94.42% and a media validation score of 93.67%, yielding an overall average validity of 94.05% (highly valid). The lecturer's practicality assessment scored 95.92% (highly practical), while the small-group and large-group trials achieved 87.33% and 93.72%, respectively, indicating that the developed learning video was highly practical overall. These findings suggest that the learning video is feasible for use as an instructional medium in the Children's Clothing course.
Co-Authors Adela, Adela Adelia, Intan Aditya S, Rafly ADRIANI ADRIANI Affendi, Hazrul Agustin, Putri Dini Aisy, Rihla Datul Aisyah Aisyah Akbar, Fatawil Al-Fatih, Muhammad Aldine, Thia Thania Amelia, Dinda Amira, Bunga Ananda Sar, O.K. Putri Ananda, Nabila Tri Andira, Naufal Anggina, Ita Ayu Anisah, Azizah Anriani Ritonga, Mei Aritonang, Surya Ardika Atika Atika Aulia, Dinda Auliya Lubis, Niswa Ayunda, Antin Ayuni, Erliza Azhara, Vina Naomi Azura Fahani, Tania Barus, Vivi Aprinilova Binti Ahmad, Putri Afiqah Boangmanalu, Rahmat Syahputra Butarbutar, Kheny Kernila Chairane, Chairane Damanik, Dian Farindah Darus, M. Aza Raja Desyandri Desyandri Dinanty, Dhea Dinata, Agfahmi Dirgantara, M. Riyan Disti, Pinasthika Alya Dwika, Galuh Citra Sukma EKA FADHILA Fadilah, Cut Fadilla, Hasana Fahlevy, Reza Fatni Mufit Fauziah Nasution Febriana, Vinni Febriani, Arum Febrina, Dwi Febrita, Ayang Fikri, Tyo Azharil Firman Firman Fitri, Muhd. Aidil Frisca Putri, Wan Fuja Novitra Ginting, Herminaria Br. Habibi, Bachtiar Yusuf Hadiastuti, Hadiastuti Hafizah, Casyariadi Vana Hamsa, Ahmadi Hani, Fildzah Harahap, Faris Andrawika Harahap, Sri Widya Hasibuan, Reni Ria Armayani Herlina Herlina Hsb, Indah Sahima Hutabarat, Siti Lutfia Indah Wahyuni Intifada, Winda Suryani Irdamurni Japakiya, Ismail Lutfi Jayadi, Mhd Dimas Jufri Naldo Juliana Juliana Junior Barus, Tony Khairulnisa, Khairulnisa Lestari, Yara Leswara, Malda Davitha Livianti, Laudy Lubis, Adrian Niken Lubis, Farah Ananda Lubis, Lutfhia farhana Lubis, M. Syahrozi Maharani, Nurul Sandra Marselina Marselina Maslyah, Maharani Nur Matua Siregar, Haposan Maulida, Maulida Tri Puspita Meha, Nurmala Lutfi Musthofa, Imam Amir Nanda, Muhammad Rhenz Nasution, Julia Hamdini Nathania, Nazhiwa Neviyarni, Neviyarni Nikira, Nikira Nofi Susanti Noviyana, Nurul Nurafni, Anggi Nuraini, Nasywa Nurhayati Nurhayati Nurhayati, Nurhayati Nurhizrah Gistituati Nursyahara, Septia Oktavia Sufa, Amanda P.H, Wira Herdika Firliansyah Pasaribu, Indriani Pasaribu, Veny Sriulina Pohan, Aqila Syafah Marwah Pratiwi, Dinda Pratiwi, Tia Puspita Dewi, Puspita Putra Apriadi Siregar Putri, Diva Anisyah Putri, Holilah Putri, Nadja Melika Putri, Sella Permana Putri, Siti Rahmayanti Qurrotu’aini, Hanna Muthia Rafikah Husni Rahmatillah, Riska Rahmawita, Annisa Rahmi Dewi Ramadhani, Indri Gayatri Rianti, Irna Ritonga, Dendi Dwi Putra Rohima Rohima Ruslita Batubara, Aisyah Norma Rusmanianty, Rusmanianty Safira, Putri Salsabilla, Salsabilla Samosir, Ema Indah Maria Santi Bancin, Eliyas Santika Siregar, Imel Saqina Nasution, Putri Amalia Saragih, Lutfiah Irwani Sari Siregar, Efrida Rahma Sari, Eza Tirta Sawitri, Seli Novalin Sigalingging, Sinarta Silaen, Aprilia Putri Siti Komariah Siti Nurhalimah Suherman, Dea Stivani Syafira, Syafira Syahputri, Salsabila Syofianda, M. Uki Titin Hartini Tusa’diah Siregar, Nurhalimah Umayya Gea, Wardatul Utami, Nuria Tri Wicaksono, M. Fadli Widyanto, Ricky Wijaya, M. Aulia Yahman, Qaila Nailaya Yanuar Hamzah Yulia Khairina Ashar Yulika, Herma Yumna, Afrian Andika Yusliani, Yusliani Zaenab , Zaenab Zahira, Nazhan Zhafira, Tengku Aiena Zulvira, Riri