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All Journal Islamic Ecomonics Journal Jurnal Ekonomi dan Bisnis Islam Resona : Jurnal Ilmiah Pengabdian Masyarakat Jurnal Ekonomi dan Bisnis Journal of Islamic Economic Laws Abdimas Galuh: Jurnal Pengabdian Kepada Masyarakat Share: Jurnal Ekonomi dan Keuangan Islam Bulletin of Community Service and Development (BCSD) DIRHAM Jurnal Ekonomi Islam Islamic Economics and Business Review (IESBIR) eJEBA Journal of Islamic Economic Laws
Afifah Nur Millatina
Universitas Muhammadiyah Malang
Religion Agriculture, Biological Sciences & Forestry Arts Humanities Decision Sciences, Operations Research & Management Economics, Econometrics & Finance Law, Crime, Criminology & Criminal Justice Nursing Social Sciences

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SWOT Analysis in Optimizing Financial Technology in Islamic Cooperative to Increase Islamic Financial Inclusion Salama, Sri Cahyaning Umi; Millatina, Afifah Nur
e-Journal Ekonomi Bisnis dan Akuntansi Vol. 12 No. 1 (2025): e-JEBA Volume 12 Number 1 Year 2025
Publisher : UPT Penerbitan Universitas Jember

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.19184/ejeba.v12i1.53680

Abstract

Financial technology has great potential to enhance financial accessibility, particularly for members of Baitul Maal wa Tamwil (BMT) or Islamic cooperatives. However, the adoption of micro-fintech (fintech in microfinance institutions) still faces various challenges, such as limited adoption of technology, regulations, and competition with conventional fintech. This study aims to analyze the strategy of optimizing financial technology in Islamic microfinance institutions to increase Islamic financial inclusion in Indonesia using the SWOT analysis approach. This study is a qualitative study with data collection techniques through observation and literature studies. Based on the results of the SWOT analysis, the strategy for optimizing micro-fintech can be carried out by developing a more inclusive digital platform, increasing education and digital literacy for members, and strengthening cooperation with various parties, including the government and Islamic financial institutions. With the right approach, micro-fintech implementation in BMT can be more effective in increasing islamic financial inclusion in Indonesia.
THE IMPACT OF HALAL LABEL IN HALAL FOOD BUYING DECISIONS Millatina, Afifah Nur; Hakimi, Fifi; Budiantoro, Risanda Alirastra; Arifandi, Muhammad Rizky
Journal of Islamic Economic Laws Vol 5, No 1: January 2022
Publisher : Universitas Muhammadiyah Surakarta

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.23917/jisel.v5i1.17139

Abstract

The current development of the halal industry has experienced a very significant increase to attract the attention of various groups. Trend indicators from the halal business can be seen in seven industrial sectors that continue to show an increase, including Islamic financial services, Halal food and beverages, Halal tourism, fashion, halal media and recreation, and halal pharmaceuticals and cosmetics. This study aims to raise the importance of awareness of halal label on halal food and beverages in Indonesia. The quantitative research method used in this research is to apply Partial Least Square-Structural Equation Modeling (PLS-SEM) through Smart-PLS software. The sample of this research is 100, with the sampling technique used being non-probability sampling with the purposive sampling method. The results of this study are the significant influence of the halal label variable on purchase intention, purchase intention on buying decision, and the halal label variable on buying decision on halal food products in Indonesia. Alternatively, on product packaging, awareness of halal Indonesian society has begun to increase and make halal a lifestyle.
Strategi Bauran Pemasaran (Studi Pada Produk Kerupuk Bawang Doa Ibu, kab. Malang) Hakim, Arif Luqman; Wahyudi, Wahyudi; Millatina, Afifah Nur
Islamic Economics and Business Review Vol 4 No 1 (2025): IESBIR, June 2025
Publisher : Universitas Pembangunan Nasional Veteran Jakarta

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.59580/iesbir.v4i1.10612

Abstract

Abstract Business activity is an activity that requires serious understanding, starting from planning what to do, the implementation stage and the monitoring stage of a business being carried out. In running a business, the important task of marketers is to be able to provide what is needed by society, both consumers and customers. The purpose of this study was to determine the marketing strategy for the product of mother's prayer onion crackers in the Islamic Economic Perspective. The method used is qualitative analysis such as observation, interviews and documentation. With a marketing strategy, the company will be ready to compete and market its products to the fullest. Keywords: Strategy;  Marketing Mix; Crisp Abstrak Kegiatan berbisnis merupakan kegiatan yang membutuhkan pemahaman yang serius, mulai dari merencanakan apa yang akan diperbuat, tahap pelaksanaannya serta tahap memonitor suatu bisnis yang dijalankan. Dalam menjalankan bisnis, tugas penting pemasar adalah dapat menyediakan apa yang dibutuhkan oleh masyarakat baik konsumen dan pelanggan. Tujuan dalam penelitian ini untuk mengetahui Strategi Pemasaran pada Produk Krupuk Bawang Doa Ibu dalam Perspektif Ekonomi Islam. Metode yang digunakan adalah analisis kualitatif seperti observasi, interview dan dokumentasi. Dengan adanya strategi pemasaran maka perusahaan akan siap bersaing dan memasarkan produk dengan maksimal. Kata kunci: Strategi; Bauran Pemasaran; Kerupuk
Peningkatan Mutu UMKM Melalui Pendampingan Self Declare Sertifikat Halal UMKM Binaan BMT Mandiri Ukhuwah Persada Jawa Timur Millatina, Afifah Nur; Salama, Sri Cahyaning Umi
Abdimas Galuh Vol 6, No 1 (2024): Maret 2024
Publisher : Universitas Galuh

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.25157/ag.v6i1.13461

Abstract

Proses digitalisasi sertifikasi halal ternyata cukup menyulitkan bagi pelaku usaha yang tidak terbiasa dengan penggunaan komputer. Terlebih, membutuhkan waktu yang tidak sebentar untuk mengisi keseluruhan formulir, pelaku usaha mikro dan kecil yang tidak memiliki pegawai lebih memilih membuka usaha atau beroperasi seperti biasa dari pada harus menghabiskan waktu mempelajari rangkaian proses sertifikasi (self declare). Oleh karena itu, tim penulis sebagai pendamping halal merasa perlu untuk melakukan pengabdian masyarakat berupa pendampingan pengisian formulir (SJPH). Berdasarkan hasil pengabdian yang telah dilakukan maka dapat dikatakan bahwa kegiatan pengabdian telah berhasil, pelaku usaha memahami pentingnya sertifikat halal, secara sadar dan keinginan sendiri hadir ke acara pendampingan untuk mendapatkan pengetahuan teknis pengurusan sertifikat halal serta melengkapi berkas-berkas untuk pengajuan sertifikasi halal. Pelaku usaha juga berkenan untuk melakukan perbaikan saat di masa pengajuan ditemukan ketidaksesuaian oleh komisi fatwa yang harus diperbaiki oleh pelaku usaha.
BAITUL MAAL WA TAMWIL DIGITALIZATION AND MILLENNIALS ACCEPTANCE IN INDONESIA Salama, Sri Cahyaning Umi; Millatina, Afifah Nur; Ajija, Shochrul Rohmatul; Hudaifah, Ahmad; Johari, Fuadah
Jurnal Ekonomi dan Bisnis Islam (Journal of Islamic Economics and Business) Vol. 11 No. 2 (2025): JULY - DECEMBER 2025
Publisher : Universitas Airlangga

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.20473/jebis.v11i2.66457

Abstract

Digitalization in microfinance institutions, including Sharia-compliant ones such as Baitul Maal wa Tamwil (BMT), is considered crucial for several reasons, including operational efficiency, increased financial inclusion, and rising demand in the evolving financial ecosystem. As a crucial tool for alleviating poverty and empowering marginalized communities, the integration of digital technology has become a necessity, not an option. This research examines the factors that influence millennials’ use of digital financial technology developed by BMT. This study employed the Technology Acceptance Model (TAM) processed through Structural Equation Modeling (SEM) in SmartPLS with 108 respondents. The sample consisted of millennial- generation Islamic digital BMT users in Indonesia who have at least one experience using it. The sampling technique used was accidental sampling, and data collection was carried out for one month. The results indicated that all hypotheses were accepted. Ease of use significantly affected users' attitudes, as did the usefulness for behavior. This finding implies that if a digital BMT platform is easier to use, it will lead to more positive attitudes among its users. , the more useful a digital BMT platform is, the more positively its users will behave and the more likely they will be to use it in the future.
PENDAMPINGAN LITERASI MAKANAN HALAL DAN THAYYIB BAGI GEN Z DI SMK AS-SHOLIHUDIN, KABUPATEN MALANG Hakim, Rahmad; Hakim, Arif Luqman; Amalia, Rahmi; Millatina, Afifah Nur
Bulletin of Community Service and Development Vol. 4 No. 2 (2025): DECEMBER
Publisher : Lembaga Pengkajian dan Pengembangan Masyarakat, Yayasan Cahaya Mulia Mandiri

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Abstract

Purpose of the study: The purpose of this activity is to improve halal and good food literacy among Gen Z at As-Shallihudin Vocational School, Malang Regency. Methodology: Implementation methods that refer to the mutually agreed upon analysis of the program situation are discussions, outreach, interactive dialogues. Main Findings: Gen Z's halal and good food literacy is still low, and many are unaware of the urgency and benefits of halal and good food. Applications of this study: This community service is useful for Gen Z in improving halal and good food literacy. Novelty/Originality of this study: Improving halal and good food literacy among Gen Z.
PENYULUHAN MANAJEMEN PENGELOLAAN KEUANGAN KELUARGA PADA JAMAAH RANTING AISYIAH LOWOKWARU II KOTA MALANG Millatina, Afifah Nur; Amalia, Rahmi; Rifa’i, Mochamad Novi
Bulletin of Community Service and Development Vol. 4 No. 2 (2025): DECEMBER
Publisher : Lembaga Pengkajian dan Pengembangan Masyarakat, Yayasan Cahaya Mulia Mandiri

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Abstract

Purpose of the study: Good family financial management is an important foundation for achieving household economic resilience, especially for Muslim families. However, many families still lack adequate understanding and skills in planning, managing, and controlling finances effectively and in accordance with sharia principles. This community service activity aims to improve literacy and family financial management skills in the Aisyiyah Lowokwaru II Malang City branch congregation. Methodology: The activity implementation method uses a participatory approach through counseling, interactive discussions, and simple mentoring in preparing family financial budgets. The material presented includes basic concepts of family financial management, budget planning, income and expenditure management, debt control, and strengthening Islamic financial values ​​​​in everyday life. Main Findings: The results of the activity show an increase in the congregation's understanding of the importance of family financial planning, the ability to prepare simple budgets, and awareness to manage finances more wisely and directed. . Applications of this study: This activity is expected to have a sustainable impact in increasing the independence and economic well-being of Aisyiyah congregation families. Novelty/Originality of this study: The community in the Lowokwaru II Malang City branch congregation can improve their family financial management.
Pemberdayaan UMKM melalui Legalitas, Digitalisasi, dan Keuangan Berbasis Syariah di Kota Malang Salama, Sri Cahyaning Umi; Millatina, Afifah Nur; Hakim, Rahmad
Abdimas Galuh Vol 8, No 1 (2026): Maret 2026
Publisher : Universitas Galuh

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.25157/ag.v8i1.21346

Abstract

UMKM menjadi tonggak ekonomi negara. Peraturan di Indonesia saat ini mendorong agar UMKM lebih rapi secara administrasi, termasuk masalah legalitas seperti sertifikasi halal dan PIRT. Permasalahan utama UMKM mayoritas mencakup tiga hal, yaitu legalitas, pemasaran, dan keuangan. Dalam pengabdian ini difokuskan pada ketiga permasalahan tersebut melalui lima tahapan pengabdian, yaitu sosialisasi, pelatihan, penerapan teknologi, pendampingan dan evaluasi, serta keberlanjutan program. Pengabdian ini menjadikan BMT Mandiri Ukhuwah Persada sebagai mitra utama dengan target sasaran anggota BMT yang memiliki usaha di Kota Malang. Kegiatan pengabdian berjalan dengan sangat baik dan target capaian terpenuhi, yaitu adanya 27 UMKM di Kota Malang sudah memiliki sertifikasi halal self atau PIRT, serta adanya peningkatan pemahaman terhadap branding dan manajemen keuangan usaha. Sejumlah UMKM juga sudah melakukan branding produk dengan sangat baik melalui kemasan yang awalnya sangat sederhana menjadi kemasan yang disesuaikan dengan nilai produk. Selain itu, UMKM peserta pengabdian juga sudah mulai melakukan pencatatan keuangan usaha secara digital. Dalam kegiatan ini terdapat beberapa evaluasi, yaitu antusiasme peserta justru hadir dari peserta non anggota dibandingkan anggota mitra itu sendiri, dan anggota BMT di luar Kota Malang lebih antusias untuk bergabung dalam kegiatan. Hal ini menjadi bahan pertimbangan pada kegiatan berikutnya untuk melibatkan anggota BMT di luar Kota Malang, seperti di Kabupaten Mojokerto, Kabupaten Gresik, dan Kota Surabaya.
Co-Authors Ahmad Hudaifah, Ahmad Amalia, Rahmi Arif Luqman Hakim Arif Luqman Hakim, Arif Luqman Arifandi, Muhammad Rizky Ascarya Ascarya Fadilla Muhammad Mahdi Fatimatuzzahro, Fatimatuzzahro Fuadah Johari, Fuadah Hakimi, Fifi Haris Al Reza Mochamad Novi Rifa’i Mochammad Novi Rifa’i Muhammad Rizky Arifandi Muslikhati, Muslikhati Puti Khairani Rijadi Rachman, Mohammad Aulia Rahmad Hakim Rahmad Hakim Ratna Wardani Rifa’i, Mochamad Novi Risanda Alirastra Budiantoro Shochrul Rohmatul Ajija Sri Cahyaning Umi Salama Tsani, Luthfi Ibnu Wahyudi Wahyudi