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All Journal Jurnal Bisnis, Manajemen, dan Informatika English and Literature Journal al-Uqud : Journal of Islamic Economics Fokus Ekonomi JURNAL EDUCATION AND DEVELOPMENT TAHKIM Al-Iqtishadiyah: Ekonomi Syariah dan Hukum Ekonomi Syariah MANAJEMEN DEWANTARA Tasharruf: Journal Economics and Business of Islam JASS (Journal of Accounting for Sustainable Society) Masyarakat Berdaya dan Inovasi Bubungan Tinggi: Jurnal Pengabdian Masyarakat El-Qist : Journal of Islamic Economics and Business (JIEB) Al-Qashdu: Jurnal Ekonomi dan Keuangan Syariah Entrepreneurship and Small Business Research Amal: Jurnal Ekonomi Syariah Mangente: Jurnal Pengabdian kepada Masyarakat AT-TIJARAH: Journal Islamic Banking and Finance Research Advantage: Journal of Management and Business IJEIRC IJBLPS Jurnal Investasi Islam International Journal of Business, Law and Political Science
Mohammad H. Holle
IAIN Ambon
Religion Agriculture, Biological Sciences & Forestry Arts Humanities Computer Science & IT Decision Sciences, Operations Research & Management Economics, Econometrics & Finance Education Engineering Environmental Science Languange, Linguistic, Communication & Media Law, Crime, Criminology & Criminal Justice Library & Information Science Mathematics Nursing Public Health Social Sciences Other

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INDEKS INKLUSI KEUANGAN INDONESIA (ANALISIS KONTRIBUSI SEKTOR USAHA LEMBAGA KEUANGAN MIKRO) H. Holle, Muhammad; Manilet, Aisa
Jurnal Investasi Islam Vol. 4 No. 2 (2023): Jurnal Investasi Islam
Publisher : LP2M Al-Khairat Pamekasan

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.32806/ivi.v4i2.139

Abstract

Kajian ini berupaya mengidentifikasi dan mengkaji indeks inklusi keuangan Indonesia dari sektor usaha lembaga keuangan mikro, serta hambatan, peluang, dan tantangannya, bagi pengambil kebijakan untuk meningkatkan indeks inklusi keuangan yang berimplikasi pada peningkatan kesejahteraan masyarakat. Menggunakan metode penelitian studi kepustakaan. Sebagai alat analisis, metode deskriptif kualitatif dengan menggunakan proses induktif. Berdasarkan hasil penelitian, 1. Indeks inklusi keuangan Indonesia masih cukup rendah yang disumbangkan sektor Lembaga Keuangan Mikro (LKM). Kelompok masyarakat di Indonesia belum sepenuhnya memanfaatkan jasa keuangan resmi, terutama sebagai sumber utama kas dan pembiayaan, akibatnya, pembuat kebijakan harus memperluas ketersediaan inklusi keuangan. Sektor usaha LKM hanya menyumbang 0,72 persen dibanding sektor usaha lainnya. Hal ini menunjukkan bahwa LKM yang menjadi tumpuan perekonomian masyarakat memiliki kontribusi terkecil. 2. Literasi keuangan hanya berkontribusi 0,85 persen terhadap indeks inklusi keuangan Indonesia dan menjadi penghambat dalam upaya perluasan indeks inklusi keuangan Indonesia. Padahal LKM diharapkan dapat meningkatkan perekonomian masyarakat. Karena LKM menyediakan pendanaan skala kecil, sangat penting untuk meningkatkan partisipasi mereka. Keuangan mikro, di sisi lain, menawarkan pinjaman, deposito, transfer uang, asuransi, dan pembayaran kepada pengusaha mikro, kelompok berpenghasilan rendah, dan rumah tangga miskin.
Role of Visual Language in Marketing: Build and Implement Branding Identity on Mini-Market Hamizar, Arizal; Masniati, Andi; Holle, Mohammad H; Mohamad, Syed Ismail Syed
Elite : English and Literature Journal Vol 10 No 1 (2023): June : Linguistic and ELT
Publisher : UIN Alauddin Makassar

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.24252/elite.v10i1.36294

Abstract

This study aimed to gain a deeper understanding of the impact of visual language on building and sustaining a strong brand in the mini-market industry. Qualitative research has shown that visual language can have a powerful impact on consumer behavior and purchasing decisions. For example, the choice of colors, images, and symbols can evoke specific emotions and associations, influencing how consumers perceive and interact with the brand. This, in turn can impact brand loyalty, as consumers are more likely to return to brands that they perceive as being trustworthy and consistent. The use of visual language in branding is particularly important for mini markets, as these businesses compete in a crowded and highly competitive industry. By using visual language to create a strong brand image and establish brand associations, mini-markets can differentiate themselves from competitors, build a loyal customer base, and establish a strong reputation in the marketplace.
PENGARUH LITERASI KEUANGAN SYARIAH TERHADAP PENGAMBILAN KEPUTUSAN BERINVESTASI MASYARAKAT MASJID DI PERBANKAN SYARIAH KOTA AMBON Tehuayo, Rosita; Holle, Mohammad H
MANAJEMEN DEWANTARA Vol 8 No 2 (2024): MANAJEMEN DEWANTARA
Publisher : Universitas Sarjanawiyata Tamansiswa

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.30738/md.v8i2.17757

Abstract

Penelitian bertujuan untuk mengetahui pengaruh literasi keuangan terhadap pengambilan keputusan berinvestasi masyarakat masjid terhadap perbankan Syariah di Kota Ambon. Jenis penelitian lapangan dengan paradigma kuantitatif menggunakan metode survei dengan menyebarkan kuisioner kepada masyarakat masjid di Kota Ambon. Variabel digunakan sesuai indikator literasi keuangan menurut Otoritas Jasa Keuangan yaitu, pengetahuan keuangan umum, pemahaman lembaga keuangan syariah, pinjam/tabungan, asuransi, dan investasi. Hasil penelitian: 1. Variabel independent terdiri atas; pengetahuan keuangan umum, pemahaman fungsi dan manfaat lembaga keuangan syariah, tabungan/pinjaman, asuransi, serta investasi semuanya berpengaruh terhadap keputusan berinvestasi masyarakat Masjid kota Ambon di Perbankan Syariah. Namun, variabel pengetahuan umum, pengetahuan lembaga keuangan syariah, dan asuransi pengaruh tidak signifikan atau kecil. Sedangkan tabungan/pinjaman dan investasi berpengaruh kuat terhadap keputusan berinvestasi di Perbankan Syariah. Berdasarkan hitung regresi berganda pada uji F memperoleh nilai Fhitung 6,88 serta nilai p value yakni 0,000. Maka, kesimpulan hipotesis Ho ditolak dan Ha diterima. Untuk itu hasil persamaan koefisien regresinya adalah Y = 1,969 + 0,61 + 0,83 + 0,133 + 0,281.
Perilaku Adopsi Cahsless Sebagai Dampak Insentif Keuangan (Cashback, Diskon & Program Loyalitas) Hamizar, Arizal; Nacikit, Muhammad R; Holle, Mohammad H; Kamaruddin
Advantage: Journal of Management and Business Vol. 2 No. 1 (2024): Juni 2024
Publisher : Apik Cahaya Ilmu

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.61971/advantage.v2i1.31

Abstract

Penelitian ini bertujuan untuk mendalami perilaku konsumen terkait penggunaan pembayaran cashless dan respon terhadap insentif keuangan dalam konteks pasar digital. Fokus utama penelitian adalah untuk mengidentifikasi faktor-faktor yang mempengaruhi keputusan konsumen dalam mengadopsi pembayaran cashless serta mengeksplorasi sejauh mana insentif keuangan seperti cashback, diskon dan program loyalitas dalam mendorong perubahan perilaku konsumen. Metode penelitian yang diterapkan dalam penelitian ini bersifat kualitatif. Teknik pengumpulan data utama adalah wawancara mendalam atau depth interview terhadap informan terpilih. Hasil penelitian menunjukkan bahwa adopsi pembayaran cashless telah meningkat secara signifikan di kalangan berbagai kelompok usia, terutama generasi muda. Insentif keuangan, seperti diskon, cashback, dan program loyalitas, memiliki dampak positif dalam memotivasi konsumen untuk menggunakan pembayaran non-tunai. Pengalaman konsumen terkait dengan program insentif keuangan menyoroti pentingnya desain program yang mudah dipahami dan interaktif.
The Relevance of Mosque Financial Inclusion and Economic Sustainability Holle, Mohammad H; Asiyah, Binti Nur; Zumaroh, Zumaroh; Koerniawati, Dwi; Mohamad, Syed Ismail Syed; Pellu, Arifin
El-Qist: Journal of Islamic Economics and Business (JIEB) Vol. 13 No. 2 (2023): October
Publisher : Islamic Economics Department, Faculty of Islamic Economics and Business, Sunan Ampel State Islamic University, Surabaya Indonesia

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.15642/elqist.2023.13.2.178-189

Abstract

This study aims to investigate the relevance of mosque-based financial inclusion in promoting sustainable economic development, using case studies from Jogokariyan Mosque in Yogyakarta and Sabilillah Mosque in Malang, Indonesia. Employing a qualitative, policy-oriented case study approach, the research explores how Islamic social finance instruments—particularly zakāh, infāq, and ṣadaqah (ZIS)—are leveraged through mosque-based institutions to deliver accessible, interest-free, and community-centered financial services outside the formal banking sector. The findings demonstrate that mosques can function as effective platforms for grassroots financial inclusion, offering consumptive and productive support via mechanisms such as qarḍ ḥasan, microgrants, and cooperative savings. These practices contribute not only to financial access but also to enhanced social capital and community trust. Theoretically, this research advances the discourse on Islamic economic empowerment by framing mosques as decentralized agents of inclusive financial ecosystems. It introduces a practical model for sustainable Islamic microfinance, grounded in Shariah principles and responsive to socio-economic inequality. This study invites future cross-regional and cross-faith research into mosque-led financial inclusion as an alternative strategy for inclusive growth, especially in underserved or unbanked populations globally.
THE ROLE OF E-COMMERCE BASED ON MARKETING 4.0 IN BUSINESS TRANSFORMATION Hamizar, Arizal; Holle, Mohammad H; Tubalawony, Jacsy
International Journal of Business, Law and Political Science Vol. 1 No. 3 (2024): International Journal of Business, Law and Political Science
Publisher : PT. Antis International Publisher

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.61796/ijblps.v1i3.59

Abstract

This research investigates the role of e-commerce based on Marketing 4.0 in the transformation of businesses in the digital era. Through a theoretical study approach, the research aims to provide insights into the interplay between e-commerce, Marketing 4.0, and consumer behavior. The study begins by formulating clear research questions centered around the impact of e-commerce in the current digital landscape. Extensive literature review is conducted to identify relevant theoretical sources, including scholarly journals, books, articles, and publications related to e-commerce, Marketing 4.0, and consumer behavior. The findings of the study are synthesized into a coherent exposition, which offers a nuanced understanding of the role of e-commerce based on Marketing 4.0 in shaping business strategies and consumer behavior. Practical implications for companies seeking to develop effective marketing strategies in the dynamic digital landscape are discussed, along with suggestions for further research. Overall, this research contributes to the understanding of the evolving role of e-commerce and Marketing 4.0 in driving business transformation in the digital age.
International Public Sector Accounting Standards (IPSAS) and , Good Government Governance in Indonesia and Malaysia Icih Icih; Putri Leonita Agustin; Asep Kurniawan; Mohammad H. Holle; Zumaroh Zumaroh
JASS (Journal of Accounting for Sustainable Society) Vol. 6 No. 1 (2024): JASS Edisi Juni 2024
Publisher : Sekolah Tinggi Ilmu Ekonomi Sutaatmadja

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.35310/jass.v6i1.1283

Abstract

Application of government accounting standards is one part of good government governance. Most countries in the world have realized the importance of applying international standards for accounting (IFRS) and auditing (ISA). This is done to show the country's role in the international community. Developments in the application of international standards in the private sector have not kept pace with developments in the public sector (IPSAS), including ASEAN countries. Human resources and supporting infrastructure is one of the problems faced by ASEAN countries in implementing IPSAS. Based on this, the purpose of this study is to determine the level of IPSAS disclosure in ASEAN government financial reports for the year ending 2019-2020.The exploratory quantitative method is the method used in this study with data analysis using descriptive statistics. Indonesia and Malaysia were selected as samples. Implementation of IPSAS disclosures in the 2019 by Indonesia State is 34% and Malaysia State is 29%. In 2020 IPSAS disclosure by the Indonesian State is 45% and Malaysia State is 30%. The results of the study show that although the application of IPSAS in Indonesia is greater than in Malaysia, in general IPSAS disclosure in these two countries still needs to be improved
The Effect of Income, Consumption, and Religiosity on the Behavior of ‘Eating Savings’ of Muslim Society in Ambon with Financial Literacy as a Moderate Holle, Mohammad H
Fokus Ekonomi : Jurnal Ilmiah Ekonomi Vol. 21 No. 1 (2026): June 2026 (Inpress)
Publisher : STIE Pelita Nusantara Semarang

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.34152/fe.21.1.76-95

Abstract

Eating savings became a solution for people to overcome daily life when the COVID-19 pandemic hit Indonesia. This research aims to examine the influence of income, consumption, and religiosity on the behavior of 'eating savings' in the muslim community of Ambon, with financial literacy as a moderate variable. This research uses a quantitative approach. The population is all muslim people in Ambon City consisting of civil servants, BUMN employees, teachers, lecturers, TNI/Polri. The number of samples used was 60 selected using the purposive sampling technique. The data collection technique used questionnaires via google forms. This study uses the structural equation modeling method using partial least square as a material for analyzing research data. The research results from the hypothesis test showed that the variables of income, religiosity, and financial literacy do not have a positive and significant effect or H0 is rejected. While the consumption variable has a positive and significant impact on eating savings H2 is accepted. This confirms that in the Covid-19 situation, the consumption of the Muslim community of Ambon remains high. People no longer think about good financial management, the most important thing is to be able to meet the needs and desires of the community. Financial literacy does not moderate the relationship of all variables, including income, consumption, and religiosity. The cause is the existence of a simple attitude and luxurious behaviour in consuming which is a lifestyle of the Muslim community of Ambon to fulfill their needs and desires.
Co-Authors Adam Husain Nusalelu Adawiyah, Sa'diyah El Afdhal Yaman Aisa Manilet Andi Masniati Anita Purba Arifin Pellu Arifin Pellu Arizal Hamizar Asep Kurniawan Binti Nur Asiyah Dety Aryani Relubun Icih Icih Iin Parlina Ika Purnama Sari Irma Jacsy Tubalawony Kamaruddin Koerniawati, Dwi Larisa Yohanna Magfirah Karanelan Magfirah Karanelan Magfirah Karanelan Maimuna Toatubun Maimuna Toatubun Mawar Mawar Moeljono Moeljono Mohamad, Syed Ismail Syed Muhammad Husein Maruapey Muhammad Zainul Miftahul Arifin Muljo, Ariyani Nacikit, Muhammad R Nasirin, Muhammad Khoirun Nurhajra, Andini Pellu, Arifin Putri Leonita Agustin Rilan Abdul Syarif Rizky Khairunnisa Sormin Rosita Tehuayo Sri Mulyani Syed Ismail Syed Mohamad Tria Patrianti Tubalawony, Jacsy Wanci, Sardin Warang, Japri Yusrifal Zumaroh Zumaroh Zumaroh Zumaroh, Zumaroh