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All Journal Budimas : Jurnal Pengabdian Masyarakat Sharia Economic and Management Business Journal (SEMBJ) Ambacang: Jurnal Inovasi Pengabdian Masyarakat
Erpiana Siregar
STAIN Mandailing Natal
Religion Agriculture, Biological Sciences & Forestry Humanities Computer Science & IT Economics, Econometrics & Finance Education Social Sciences Other

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PENDAMPINGAN PENINGKATAN KEWIRAUSAHAAN PADA SANTRI MELALUI EKONOMI KREATIF DI PESANTREN BAITUR RAHMAN PARAUSORAT KEC. BATANG Titi Martini; Resi Atna Sari Siregar; Erpiana Siregar
BUDIMAS : JURNAL PENGABDIAN MASYARAKAT Vol 6, No 1 (2024): BUDIMAS : Jurnal Pengabdian Masyarakat
Publisher : LPPM ITB AAS Indonesia Surakarta

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.29040/budimas.v6i1.11587

Abstract

Pengembangan ekonomi kreatif di pesantren merupakan tantangan yang besar yang dihadapi pesantren karena harus mampu mengkolaborasikan ilmu agama dan ilmu umum. Salah satu ilmu umum yang perlu dikembangkan dan dimasukkan dalam kurikulum pesantren adalah kewirausahaan yang Islami. Sebagaimana amanat undang undang, pesantren mempunyai tiga fungsi, yaitu fungsi pendidikan, fungsi dakwah, dan fungsi pemberdayaan masyarakat. Adapun tujuan pengabdian ini yaitu memberikan bimbingan dan pelatihan tentang pemanfaatan waktu luang bagi para santri dan karya- karya inovatif serta pendampingan pemasaran produk yang secara tidak langsung ikut mempromosikan keberadaan dan kelebihan yang dimiliki pondok pesantren Baiturrahman. Metode yang digunakan dalam pengabdian ini adalah ceramah dan diskusi tanya jawab dalam pemahaman entrepreneur serta pelatihan pembuatan kerajinan tangan dan pendampingan pemasaran secara online dan offline. Adapun hasil pengabdian ini adalah diterima serta mendapat respon yang baik dan positif dari berbagai pihak dan diharapkan adanya perubahan pola pikir santri untuk berkembang serta memiliki keterampilan yang inovatif tentang ekonomi kreatif dengan pembuatan souvenir-souvenir cantik dari berbagai macam
Peran Pegadaian Syariah dalam Mendorong Kesejahteraan Sosial Masyarakat Melalui Program Corporate Social Responsibility (CSR) Azizah Anna Sahra; Fajar Rizky Lubis; Anwar Yusuf; Ira Hairani; Siti Wulandari; Rosalena; Pahrurrozi Pane; Nur Indah Hidayah; Suci Indah Pulungan; Nurul Irawan Rangkuti; Erpiana Siregar
Ambacang: Jurnal Inovasi Pengabdian Masyarakat Vol. 1 No. 4 (2025): Edisi Mei
Publisher : PT. Willy Print Art

Show Abstract | Download Original | Original Source | Check in Google Scholar

Abstract

Corporate Social Responsibility (CSR) is a concept that has developed since post-World War II, focusing on the social and environmental impacts of corporate activities. From an Islamic perspective, CSR not only functions as a legal obligation, but also as a form of contribution to social welfare based on spiritual values. This study examines the implementation of CSR based on sharia principles carried out by Pegadaian Syariah, with the aim of improving the welfare of the surrounding community. The method used is a collaborative participatory approach between the service team, Pegadaian Syariah, and the community. The results of the study show that the CSR program carried out not only improves sharia financial literacy and economic empowerment, but also strengthens social relations between residents. Programs such as entrepreneurship training, business capital assistance, and sharia financial education have succeeded in improving the standard of living of the community and strengthening the role of Pegadaian Syariah in social development. This success shows the great potential of CSR based on religious values ​​and local wisdom for sustainable development.
Reconfiguration of the Banking Intermediation Model in the Era of Digital Disruption: A Modern Financial Economics Perspective Rukiah; Riny Viri Insy Sinaga; Erpiana Siregar
Sharia Economic and Management Business Journal (SEMBJ) Vol. 7 No. 2 (2026): Sharia Economic and Management Business
Publisher : Yayasan Darussalam Bengkulu

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.62159/sembj.v7i2.1951

Abstract

Background: Background: Digital transformation has driven fundamental changes in the banking intermediation model, moving from a conventional, institution-based system to a more open and integrated digital financial ecosystem. The emergence of financial technology, big data, artificial intelligence, and blockchain has shifted the traditional role of banking toward platform-based models, raising important questions about how intermediation functions are being reconfigured and what implications this holds for the financial system. Method: This study employs a qualitative approach with a descriptive-analytical design using library research. Data were collected through documentation studies and systematic literature reviews of scientific journals, industry reports, and policy documents from the Financial Services Authority (OJK) and Bank Indonesia. Data analysis was conducted using interactive qualitative analysis techniques including data reduction, data presentation, and conclusion drawing, supported by thematic and conceptual comparative analysis. Results: The findings reveal a shift from bank-based intermediation to platform-based intermediation, where banks are transforming into orchestrators in the digital financial ecosystem through the integration of open banking and embedded finance concepts. Four driving factors were identified: technological development, changing customer behavior, fintech emergence, and regulatory policies. This transformation improves operational efficiency and financial inclusion but also presents new risks such as cyber risk, regulatory complexity, and potential systemic risk. Conclusion: The reconfiguration of banking intermediation represents a paradigm shift from centralized institution-based systems to hybrid network-based financial ecosystems. Adaptive strategies from banks and responsive policies from regulators are essential to balance innovation with financial system stability.
Co-Authors Anwar Yusuf Azizah Anna Sahra Fajar Rizky Lubis Ira Hairani Nur Indah Hidayah Nurul Irawan Rangkuti Pahrurrozi Pane Resi Atna Sari Siregar Riny Viri Insy Sinaga Rosalena Rukiah Rukiah Siti Wulandari Suci Indah Pulungan Titi Martini