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Peningkatan Pemahaman terhadap Fintech Lending Pada Kelompok Dasa Wisma RT 03 RW 10 Perumnas Patrang : - Mufidah, Ana; Puspitasari, Novi; Perwitasari W, Dwi; Rijal, Salahuddin
Jurnal Pengabdian Masyarakat Akademisi Vol. 4 No. 2 (2025)
Publisher : Jurnal Pengabdian Masyarakat Akademisi

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.54099/jpma.v4i2.1314

In response to the economic downturn caused by the COVID-19 pandemic, collaboration among regulators, ministries, and relevant institutions is essential to ensure broader access to financial services. One promising solution is fintech lending, which offers faster, easier access to capital without requiring substantial collateral, unlike traditional banks. Fintech holds significant potential to support economic recovery efforts. However, alongside these benefits, fintech lending also presents various challenges—particularly related to illegal lending services. Common issues include threats from service providers, a lack of transparency regarding interest rates and service fees, and penalties for late payments. There are also unethical practices such as the unauthorized sharing of borrowers’ contact information. Therefore, public education and awareness are crucial to help people make informed choices when using fintech lending services. Understanding the difference between legal and illegal fintech platforms is key to avoiding potential risks and financial harm.

PENGUATAN KAPASITAS KELOMPOK MASYARAKAT AL-FATIHAH FARM DESA JELBUK MELALUI PELATIHAN MANAJEMEN USAHA PASCA PANEN Khusna, Khanifatul; Priyono, Agus; Fauziyyah, Salma; Mirzania, Alif; Muhsyi, Abdul; Subagio, N Ari; Sukarno, Hari; Puspitasari, Novi
Tepak Sirih : Jurnal Pengabdian Masyarakat Madani Vol. 4 No. 1 (2025): Tepak Sirih : Jurnal Pengabdian Kepada Masyarakat Madani
Publisher : LPPM Universitas Pasir Pengaraian

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.30606/jpmm.v4i1.3350

Petani merupakan pelaku utama untuk mewujudkan ketahan pagan baik didalam rumah tangga maupun masyarakat secara luas. Namun regenerasi petani semakin tahun megalami penurunan, dikarenakan profesi petani dianggap tidak bisa menjamin hidup yang sejahtera. Kelompok masyarakat petani menjadi wadah bagi petani-petani didesa untuk menyampaikan inspirasi mereka. POKMAS Al Fatihah Farm merupakan salah satu POKMAS di Desa Jelbuk yang mencoba untuk mengkoordinir hasil pertanian para petani untuk dijual dengan harga yang lebih mahal. Akan tetapi, POKMAS ini mengalami permasalahan.yaitu POKMAS Al Fatihah Farm belum memiliki manajemen usaha tani yang baik; Berdasarkan permasalahan tersebut tim pengusul memberikan solusi berupa Pelatihan manajemen usaha tani mulai dari proses tanam sampai pada pasca panen. Pelaksanaan pengabdian ini menggunakan metode ABCD (Asset Based Community Development) yang merupakan sebuah metode untuk meningkatkan kemajuan para individu dengan berlandaskan aset lokal yang terdapat dalam suatu wilayah.Hasil kegiatan pengabdian ini adalah peningkatan pengetahuan anggota POKMAS dan petani Desa Jelbuk dalam memanajemen hasil pertanian.

Analisis Model Altman Z-Score dalam Memprediksi Potensi Kebangkrutan Perusahaan Asuransi Jiwa Syariah di Indonesia Ardiaprila, Cantika; Puspitasari, Novi; Sulthoni, Moch.
IJABAH Vol. 1 No. 2 (2023): IJABAH
Publisher : UPT Penerbitan Universitas Jember

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.19184/ijabah.v1i2.405

This research is a qualitative study with a population of Sharia Life Insurance in Indonesia. The research sample is a Sharia Life Insurance company registered with the Financial Services Authority (OJK) for the 2017-2021 period, namely Full Sharia Life Insurance and published financial reports that have been audited, namely the company PT. Family Takaful, PT. Al-Amin, PT. Amanahjiwa Giri Artha, PT. Jasa Mitra Abadi, and PT. Indonesian family. Data obtained through OJK from the company's official website. The research data were processed using the modified Altman Z-score formula. The analysis in this study was carried out using descriptive statistics. The results of this study were taken based on the cut off value. A Z value <1.23 is declared bankrupt, a value between 1.23 and 2.9 is declared a gray area or prone to bankruptcy, and a value > 2.9 is declared not bankrupt. The results of the analysis of potential bankruptcy predictions Altman z-score that PT Takaful Keluarga, PT Amanahjiwa Giri Artha and PT Keluarga Indonesia are in the category of non-bankrupt companies. Meanwhile, PT Al-Amin is in the unsafe category or is called the gray area because Al-Amin in 2019, 2020 and 2021. The last company, namely PT Jasa Mitra Abadi, was included in the bankrupt category in 2017 showing results Z < 1.23, namely - 67.74 Furthermore, PT Jasa Mitra Abadi also entered a gray area or prone to bankruptcy from 2018 to 2021.

Pengantar Pendidikan Agama Islam Pada Siswa Sekolah Dasar Ahmad Taufik; Puspitasari, Novi
Jurnal Pendidikan Guru Madrasah Ibtidaiyah Al-Amin Vol. 3 No. 1 (2024): April
Publisher : STAI AL-AMIN

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

This article aims to disclose how to overcome various kinds of associating from Islamic religious education at the elementary school level. Supposedly if the development of growing up elementary school-age children find its own characteristics, the fundamental can be the thinking power of elementary school-age children will develop in the bond spread gradually. It needs to be understood when obtaining the facts will be exactly the success of the scale of adjustment of the goals of the world of education. The research is presented through a descriptive qualitative approach coverage of the library study method (library reseacrh). The results show that the learning system of Islamic religious education in elementary school is quite unique, if in the previous period the thinking power of children was still imaginative and egocentric then at this time the child's thinking power has developed towards concrete thinking, rational or objective patterns. The scope of Islamic religious education studies is the Qur'an, creed, morals, fiqh / worship, and the history of Islamic culture. The method of education that can be applied refers to the Qur'anic method where this dish is the amstal method, the qishah method, the ibrah mauidzah method, the hiwar jadali method, the uswah hasanah method, and the targhib tarhib method. Meanwhile, Islamic Religious Education can be carried out verbally or non-verbally, written or non-written which is aimed precisely at connecting measurements from the analysis of intellectual competence, social competence functions, the fundamental things of complex spiritual competence. It is this, the capacity of Islamic religious education is expected to produce humans who are always coordinated in order to perfect faith, piety, and morals, and actively build Islamic civilization.

Perspektif Ekonomi Islam Terhadap Minat Beli Melalui Online Shop Andini, Azizah Noer; Korina, Asa Prayarsni; Puspitasari, Novi
Al-Buhuts Vol. 19 No. 2 (2023): Al- Buhuts
Publisher : Institute Agama Islam Negeri (IAIN) Sultan Amai Gorontalo

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.30603/ab.v19i2.4151

The purpose of this study is to examine how Muslim buyer behavior in online shopping. The type of research used in this research is descriptive qualitative research with a literature study approach. The literature study approach is an approach by reviewing various journals and books related to the perspective of Islamic economics on buying interest through online shops as a reference source. Buying interest in this online shop is influenced by several factors including the existence of timely reviews, quantity reviews, and valence reviews that make buyers very interested in making online buying and selling transactions. This study assumes that various findings from past research in Muslim-majority countries, such as Saudi Arabia and Malaysia, show a mismatch between online buying and selling with sharia. Muslim shoppers are supposed to behave in moderation where they do not overconsume leading to tabdhir (wastefulness) as well as israf (excess) or shortage leading to bukhl (miserliness) as cited in the Quran and As-Sunnah.

Resource Competence Development for State Apparatus as an Improvement Effort Quality of Public Services Saleh, Choirul; Puspitasari, Novi
Socious Journal Vol. 2 No. 1 (2025): Socious Journal - February
Publisher : PT. Anagata Sembagi Education

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.62872/33srb639

Improving the competencies of state apparatus resources is essential for enhancing the quality of public services, which is crucial for fostering public trust in government and creating an effective and responsive state. This research explores the approaches and strategies used to develop competencies among state apparatus resources and analyzes their impact on public service quality. Employing a qualitative approach, the study examines the classification, developmental steps, quality of outcomes, and supportive factors influencing competency enhancement at the State University of Brawijaya, Malang, Indonesia. The findings reveal key strategies for fostering competencies that align with contemporary demands, including targeted training programs and institutional support mechanisms. These efforts contribute to improving public service delivery and supporting national development. The study offers insights into competency development in higher education settings, highlighting its role in advancing public service quality and reinforcing the nation's progress

Analisis Model Altman Z-Score dalam Memprediksi Potensi Kebangkrutan Perusahaan Asuransi Jiwa Syariah di Indonesia: Analysis of the Altman Z-Score Model in Predicting the Potential Bankruptcy of Sharia Life Insurance Companies in Indonesia Ardiaprila, Cantika; Puspitasari, Novi; Sulthoni, Moch.
IJABAH: Indonesian Journal of Sharia Economics, Business, and Halal Studies Vol. 1 No. 2 (2023): IJABAH Volume 1 Number 2 Year 2023
Publisher : IJABAH: Indonesian Journal of Sharia Economics, Business, and Halal Studies

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.19184/ijabah.v1i2.405

This research is a qualitative study with a population of Sharia Life Insurance in Indonesia. The research sample is a Sharia Life Insurance company registered with the Financial Services Authority (OJK) for the 2017-2021 period, namely Full Sharia Life Insurance and published financial reports that have been audited, namely the company PT. Family Takaful, PT. Al-Amin, PT. Amanahjiwa Giri Artha, PT. Jasa Mitra Abadi, and PT. Indonesian family. Data obtained through OJK from the company's official website. The research data were processed using the modified Altman Z-score formula. The analysis in this study was carried out using descriptive statistics. The results of this study were taken based on the cut off value. A Z value <1.23 is declared bankrupt, a value between 1.23 and 2.9 is declared a gray area or prone to bankruptcy, and a value > 2.9 is declared not bankrupt. The results of the analysis of potential bankruptcy predictions Altman z-score that PT Takaful Keluarga, PT Amanahjiwa Giri Artha and PT Keluarga Indonesia are in the category of non-bankrupt companies. Meanwhile, PT Al-Amin is in the unsafe category or is called the gray area because Al-Amin in 2019, 2020 and 2021. The last company, namely PT Jasa Mitra Abadi, was included in the bankrupt category in 2017 showing results Z < 1.23, namely - 67.74 Furthermore, PT Jasa Mitra Abadi also entered a gray area or prone to bankruptcy from 2018 to 2021.

Konflik Batin Tokoh Karsana dalam Novel Tabon Karya Margareth Widhy Pratiwi Puspitasari, Novi; Rohmadi, Mohammad; Kurwidaria, Favorita
Sabdasastra : Jurnal Pendidikan Bahasa Jawa Vol 7, No 1 (2023): Sabdasastra : Jurnal Pendidikan Bahasa Jawa
Publisher : Universitas Sebelas Maret

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.20961/sabpbj.v7i1.64158

Conflict is a special attraction for readers of literary works. Moreover, the conflict experienced by the character. Therefore, an in-depth analysis is needed to find out the inner conflicts contained in a literary work. Novels are a type of literary work that tells the story of people's lives where the conditions for the conflicts of the characters. The purpose of this study is to describe the inner conflict of the character Karsana in the novel Tabon by Margareth Widhy Pratiwi. This research is in the form of a qualitative descriptive using a literary psychology approach. The data of this study are quotes and dialogues contained in the novel Tabon by Margareth Widhy Pratiwi. The sources of data of this study are documents. The sampling technique in this study used purposive sampling technique. The data collection techniques used are document analysis. The validity test techniques used are theoretical triangulation and source triangulation. Data analysis techniques use interactive analysis techniques. The research procedure includes three stages, namely the preparatory stage, the research implementation stage, and the presentation stage of the research results. The result of this study is that Karsana figures experience id dominance so that the personality structure in Karsana's character is an unbalanced personality.

Negotiating Space for Living and Tourism in Peneleh Heritage Settlement, Surabaya Puspitasari, Novi
EMARA: Indonesian Journal of Architecture Vol. 11 No. 1 (2026): July 2026 ~ August 2026
Publisher : Universitas Islam Negeri Sunan Ampel Surabaya

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.29080/eija.v11i1.2639

Heritage tourism has increasingly transformed urban heritage settlements into multifunctional spaces where residential life and tourism activities coexist, creating complex spatial challenges. Despite growing attention to heritage conservation and tourism development, limited research has examined how local communities negotiate shared spaces in living heritage settlements. This study aims to identify the spatial conflicts emerging from the coexistence of residential and tourism functions in Kampung Peneleh, Surabaya, Indonesia, and to formulate strategies for balancing both functions. A qualitative case study approach was employed using field observations and semi-structured interviews with local residents and key stakeholders. The data were analyzed through thematic analysis integrated with spatial interpretation to examine patterns of space use and community perceptions toward heritage tourism activity in their kampong. The findings reveal three major forms of spatial conflict: domesticity versus tourism, mobility versus everyday social activities, and private versus public space. Nevertheless, residents generally perceive heritage tourism positively because of its contribution to local identity and economic opportunities. The study demonstrates that spatial negotiation in heritage settlements is a dynamic socio-spatial adaptation rather than a rigid functional separation. Two complementary strategies are proposed: adaptive small-scale spatial interventions to improve shared spaces and community-based spatial interventions that actively involve residents in planning and governance. This research contributes to the advancement of living heritage and community-based urban design by introducing spatial negotiation as a conceptual framework for balancing heritage tourism and residential functions. Future research should investigate participatory design processes, tourists' spatial behavior, and mechanisms for strengthening community-based local economic development within heritage settlements.

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