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All Journal JURNAL PENELITIAN ILMU PENDIDIKAN Paradigma : Journal of Science, Religion and Culture Studies Maslahah : Jurnal Hukum Islam dan Perbankan Syariah Al-Iqtishad : Jurnal Ilmu Ekonomi Syariah (Journal of Islamic Economics) Jurnal ORTOPEDAGOGIA At-Ta'dib: Jurnal Ilmiah Prodi Pendidikan Agama Islam JURNAL TEKNOLOGI DAN OPEN SOURCE Jurnal Ilmu Perbankan dan Keuangan Syariah Community Empowerment An-Nisbah : Jurnal Perbankan Syariah DEVOSI Shafin: Sharia Finance and Accounting Journal BISMA (Bisnis dan Manajemen) An-Nizam: Jurnal Bakti Bagi Bangsa EKONOMIKA SYARIAH : Journal of Economic Studies At-Tamwil: Journal of Islamic Economics and Finance Al-ihsan : Journal of Community Development in Islamic Studies Research of Islamic Economics (RIE) Human Capital and Organizations Computing Insight: Journal of Computer Science Siber International Journal of Digital Business Al-bank: Journal of Islamic Banking and Finance Al-ihsan : Jurnal Pengabdian Agama Islam
Rafika Rahmawati
Universitas Islam 45 Bekasi
Religion Agriculture, Biological Sciences & Forestry Arts Humanities Civil Engineering, Building, Construction & Architecture Computer Science & IT Decision Sciences, Operations Research & Management Economics, Econometrics & Finance Education Environmental Science Languange, Linguistic, Communication & Media Law, Crime, Criminology & Criminal Justice Mathematics Mechanical Engineering Physics Public Health Social Sciences Other

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LITERASI DIGITAL SISTEM PEMBAYARAN QRIS BAGI USAHA MIKRO, KECIL, DAN MENENGAH DI DESA CIJENGKOL Radiatus Solihin, Fikri; Handoyo, Yopi; Rahmawati, Rafika
An-Nizam Vol 4 No 2 (2025): An Nizam: Jurnal Bakti Bagi Bangsa
Publisher : Universitas Islam 45 Bekasi

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.33558/an-nizam.v4i2.11521

Abstract

In the rapidly advancing digital era, the use of digital payment technologies has grown significantly, including in Indonesia, with notable innovations such as the Quick Response Code Standard (QRIS) launched by Bank Indonesia in 2019 to facilitate payment transactions. The adoption of QRIS as a digital payment method in Indonesia has increased substantially; however, it also raises security and privacy challenges, such as phishing and data theft. This Community Service Program aims to enhance knowledge regarding the QRIS payment method while promoting sustainable business digitalization. The program focuses on the implementation of QRIS in Cijengkol Village by identifying challenges faced and developing strategies for sustainable adoption, with the expectation of providing insights into effective strategies for supporting financial inclusion in rural areas through digital payment technologies. This PKM also explores the relationship between financial literacy levels and the income of micro, small, and medium enterprises (MSMEs), with particular attention to the ease of the QRIS system as a driver of improved transaction efficiency and market access, which ultimately has the potential to increase MSME income. The implementation methods include education and socialization concerning the benefits, ease of use, and security of QRIS transactions. Through this program, it is expected that QRIS adoption, transaction efficiency, and financial inclusion among MSME actors in Cijengkol Village will improve. The outcomes of this activity highlight the importance of digital payment systems for MSMEs, particularly in Cijengkol Village. MSME actors were also provided with practical guidance on generating QR codes for payments via QRIS through platforms such as GoPay, ShopeePay, DANA, and others.
PENYULUHAN GERAKAN BEBAS STUNTING MELALUI PANGAN SEHAT BERBASIS LOKAL Dwi Indira, Dyana; Rahmadhan, Fariz Putra; Zahara, Futri Amalia; Khadijah, Siti; Rahmawati, Rafika
An-Nizam Vol 4 No 2 (2025): An Nizam: Jurnal Bakti Bagi Bangsa
Publisher : Universitas Islam 45 Bekasi

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

Abstract

 Stunting is defined as long-term malnutrition characterized by stunted growth due to poor nutritional intake, frequent infections, and chronic diseases that last from pregnancy to the age of two years. The problem of stunting in Taman Sari Village is very relevant. Field data shows that the prevalence of stunting in this area is around 47 children. Lack of nutritional intake absorbed by the body from the womb to after birth, lack of access to health services, and lack of access to clean water and sanitation are some of the causes of stunting. The purpose of this study is to increase public awareness of the importance of balanced nutrition and prevent stunting early on. The method used in this study is the method of socialization to the community, especially parents in Taman Sari Village. The results of this study indicate that the counseling went well and provided new information needed by the community. This counseling provides a good understanding and can be directly applied in everyday life.
Analysis of Rentability Trends of Islamic Commercial Banks in the Covid-19 Pandemic Kusuma, Alto Wirahadi; Muhajir, Ammar; Lutfiah, Lutfiah; Rahmawati, Rafika
EKONOMIKA SYARIAH : Journal of Economic Studies Vol. 6 No. 2 (2022): July - December 2022
Publisher : Universitas Islam Negeri Sjech M. Djamil Djambek Bukittinggi

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.30983/es.v6i2.5311

Abstract

The Covid 19 pandemic has caused possible risks to the financial performance of Islamic banking. This study aimed to determine the rentability performance level predictions of Bank Muamalat Indonesia, Bank Mega  Syariah, and Bank KB Bukopin Syariah by using the ratio of Return on Assets (ROA) and Return on Equity (ROE) in the pandemic for the period December 2021 to December 2023. The Islamic commercial bank was chosen because its rentability performance showed different trends during the pandemic. The research methods used the quantitative and trend analysis techniques with the least square method. The results have indicated that the rentability performance level of Bank Muamalat Indonesia and Bank KB Bukopin Syariah in terms of the ratio of Return on Assets (ROA) and Return on Equity (ROE) was predicted to decrease from December 2021 to December 2023. Meanwhile, the rentability performance level of Bank Mega Syariah in terms of the ratio of Return on Assets (ROA) and Return on Equity (ROE) was predicted to increase from December 2021 to December 2023. Concerning this, the research is hoped to contribute as reference material for further academic research and as material for consideration in determining policies for Islamic commercial banks.
Efficiency and Profitability in The Indonesian Islamic Banking Industry Hosen, Muhammad Nadratuzaman; Rahmawati, Rafika
Al-Iqtishad: Jurnal Ilmu Ekonomi Syariah Vol. 8 No. 1 (2016)
Publisher : UNIVERSITAS ISLAM NEGERI SYARIF HIDAYATULLAH JAKARTA

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.15408/aiq.v8i1.2507

Abstract

The aims of this study are to know the level of efficiency and profitabilityamong Islamic full pledge Banks in Indonesia. Using parametric approach namelyStochastic Frontier Approach (SFA) to calculate efficiency and using ROA’s ratioto calculate profitability. The result showed that the BMS was the greatest level ofefficiency among Islamic Banks in Indonesia which influence the input and outputlevel of efficiency of BMS are personnel expenses, cost-sharing expenses, and totalfinancing which owned. Besides, the result showed that it was the greatest levelof profitability which factors influencing of profitability of BMS is BOPO’s ratio.The result also showed that the BMI had low efficiency but sufficient profitability.It has sufficient efficiency and high profitability, the BMS have sufficient efficiencyand profitability, the BRIS have low efficiency and profitability, and the BSB havehigh efficiency and low profitability.DOI: 10.15408/aiq.v8i1.2507
Identifikasi kebutuhan pembelajaran bagi anak multiple disabilities visualy impairment (MDVI) secara terpadu Rudiyati, Sari; Sukinah, Sukinah; Rahmawati, Rafika
Jurnal Penelitian Ilmu Pendidikan Vol. 8 No. 2 (2015): September-November
Publisher : Fakultas Ilmu Pendidikan, Universitas Negeri Yogyakarta

Show Abstract | Download Original | Original Source | Check in Google Scholar | Full PDF (2574.444 KB) | DOI: 10.21831/jpipfip.v8i2.8274

Abstract

Penelitian ini bertujuan untuk mengidentifikasi permasalahan yang dihadapi orangtuadan guru dalam mendampingi belajar anak MDVI, pengembangan kemampuan belajar,dan pengembangan draf instrumen asesmen berbasis kebutuhan belajar anak MDVI.Metode penelitian menggunakan pendekatan kualitatif dengan melihat secara naturalkondisi yang senyatanya. Hasil penelitian mengidentifikasi 29 kebutuhan belajar untukdikembangkan dalam instrumen asesmen pembelajaran. Aspek yang harus dikembangkandalam mengoptimalisasikan kemampuan belajar anak MDVI meliputi performancedi sekolah, rabaan, ketidakamanan gravitasi, otot, koordinasi bilateral, perencanaanmotorik, koordinasi motorik kasar dan halus, penglihatan, pendengaran, pembau, danpencecap. Draf instrumen asesmen yang dikembangkan berbasis kebutuhan belajar anakMDVI terdiri dari instrumen identifikasi permasalahan yang dihadapi orangtua dalampendampingan belajar, identifikasi komponen pengembangan kemampuan belajaranak dan instrumen identifikasi dan asesmen kebutuhan belajar anak tunanetra dengankecacatan tambahan. Berdasarkan penilaian kelompok pengguna disimpulkan bahwadraf instrumen identifikasi dan asesmen kebutuhan belajar "Multiple Disabilities VisuallyImpaired" dapat digunakan dengan adanya revisi sesuai dengan masukan pengguna.Masukannya dalam aspek pemilihan kata yang mudah dipahami, perlu adanya contohkongkrit, pembenahan kalimat pernyataan dan penyederhanaan kalimat
Membangun Minat Anak Terhadap Belajar Baca Tulis Al-Quran TPA Al-Khasiyyah Desa Sukasari Rosyidha, Aulya; Pahlevi, Rizal; Rahmawati, Rafika
Al-ihsan: Jurnal Pengabdian Agama Islam Vol. 1 No. 1 (2024): Al-Ihsan : Jurnal Pengabdian Agama Islam
Publisher : UIR Press

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.25299/aijpai.2024.16612

Abstract

Kecamatan Sukasari merupakan salah satu bagain eks wilayah Bekasi kecamatan Serang baru dengan memiliki luas lahan sebesar 627,518 Ha. Berdasarkan data kependudukan dari kecamatan pada tahun 2009 yang dilihat dari segi kepadatan penduduk sebesar 108 jiwa per hektar, Tanah yang sangat subur sehingga disana banyak persawahan dan petani yang menjadi mata pencahariannya suasana yang sejuk dan damai,tujuan dari makalah ini adalah untuk meningkatkan Minat Baca Qur’an sesuai hukum tajwid dan untuk meningkatkan Minat Baca Tulis Al-Qur’an Terhadap anak usia dini, Penelitian ini menghasilkan hasil kelancaran untuk membaca tulis Al- Qur’an bersama ustadzah di TPA Al-Khasiyyah di dusun ceper desa sukasari kecamatan bojongmangu., karena di desa tersebut sangat minim terkait bisa membaca tulis Al-Qur’an maka dari itu didirikannya TPA Al-Khasiyyah untuk meningkatkan baca tulis Al-Qur’an.
Analisis Minat Menabung di Bank Syariah Pada Santri Pondok Pesantren Attaqwa Pusat Putri Bekasi Fikriyah, Kholidatul; Rahmawati, Rafika
Al-bank: Journal of Islamic Banking and Finance Vol 2 No 1 (2022): January - June 2022
Publisher : Universitas Islam Negeri Mahmud Yunus Batusangkar

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.31958/ab.v2i1.5443

Abstract

This study aims to determine the saving interest of the students of the Attaqwa Islamic Boarding School at the center of the Putri Bekasi. The data used are primary data and secondary data, carried out using questionnaires, books and journals and the type of sampling using purposive sampling method. The sample in this study was the students of the Attaqwa Islamic Boarding School at the center of the Putri Bekasi, which amounted to 177 respondents. The results showed that the results of the F test with a simultaneous test had a significant positive effect, namely the interest in saving at the Attaqwa Islamic boarding school at the center of the Putri Bekasi was jointly influenced by promotion, religiosity and knowledge. And the results of the partial test of the variables of promotion, religiosity and knowledge have a significant positive effect on the saving interest of the students of the Attaqwa Islamic Boarding School in the center of the Putri Bekasi.
Acceptance Analysis and Application Success Bicarakan.id using Utaut and DeLone & McLean Wicaksono, Tegar Adi; Wulansari, Anita; Rahmawati, Rafika
JURNAL TEKNOLOGI DAN OPEN SOURCE Vol. 8 No. 1 (2025): Jurnal Teknologi dan Open Source, June 2025
Publisher : Universitas Islam Kuantan Singingi

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.36378/jtos.v8i1.4423

Abstract

The development of digital-based mental wellbeing administrations gives viable and adaptable arrangements for the community, particularly the millennial era, in getting to mental administrations. One of the stages that give online counseling administrations in Indonesia is the application Bicarakan.id, which demonstrates a decently tall selection rate. Be that as it may, based on perceptions, it was found that different complaints from clients on a number of stages, such as less than ideal application execution and moderate reaction from benefit suppliers, hence preventing get to to the specified administrations. This consider points to analyze the components that influence the acknowledgment and effective utilize of the application Bicarakan.id by combining two approaches,namely the Unified Theory of Acceptance and Use of Technology (UTAUT) and DeLone & McLean model. The examination prepare was conducted utilizing Partial Least Square Structural Equation Model (PLS-SEM) through SmartPLS 4 computer program and included 403 respondents. The comes about appeared that the factors Information Quality, Service Quality, and Effort expectation desire have a positive and critical impact on User Satisfaction, which in turn too have a positive and critical impact on Continuance Intention. In the mean time, factors System Quality and Performance Expectancy desire don't have a critical impact on User Satisfaction, as prove by testing Path Coefficient based on the centrality criteria set.
Factors Influencing the Acceptance of Ferizy E-Ticketing Application Based on UTAUT2 Model Razaqi, Imam Arizal; Wulansari, Anita; Rahmawati, Rafika
JURNAL TEKNOLOGI DAN OPEN SOURCE Vol. 8 No. 2 (2025): Jurnal Teknologi dan Open Source, December 2025
Publisher : Universitas Islam Kuantan Singingi

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.36378/jtos.v8i2.4691

Abstract

The advancement of information technology has accelerated digital transformation in many sectors, including maritime transportation. One notable result of this transformation is the development of the Ferizy application, an online ticket booking platform introduced by PT ASDP Indonesia Ferry. Despite its innovation, users continue to encounter technical challenges and insufficient access to information. User feedback has highlighted issues such as incomplete information and booking process errors. This research aims to explore the factors influencing the acceptance of the Ferizy application by applying a modified UTAUT2 model. The study incorporates two additional variables, Trust and Word of Mouth, into the UTAUT2 framework. A quantitative research methodology was employed, using SEM-PLS analysis on initial data collected from 522 Ferizy users, which was later refined to 442 valid responses. The analysis demonstrated that Word of Mouth and Price Value have a significant impact on users' Behavioral Intention, which, in turn, strongly influences actual Use Behavior. On the other hand, variables such as Effort Expectancy, Facilitating Conditions, Performance Expectancy, Social Influence, and Trust were found to have no significant effect on Behavioral Intention. These results offer valuable insights for both users and developers, enhancing the understanding of the factors that influence the acceptance of the Ferizy platform.
Analysis of User Acceptance of Bus Ticket Application Using a Modified UTAUT Model (Case Study: RedBus Application) Trinanda Sanni, Bella; Wulansari, Anita; Rahmawati, Rafika
JURNAL TEKNOLOGI DAN OPEN SOURCE Vol. 8 No. 2 (2025): Jurnal Teknologi dan Open Source, December 2025
Publisher : Universitas Islam Kuantan Singingi

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.36378/jtos.v8i2.4712

Abstract

The advancement of digital technology has driven the adoption of mobile-based transportation applications, such as RedBus—an online bus ticket booking platform. Despite experiencing significant growth, RedBus faces challenges in user acceptance, marked by a decline in positive reviews and an increase in user complaints during 2023–2024. Therefore, it is crucial to understand the factors that influence user acceptance and their decision to continue using the application. This study analyzes these factors using a modified UTAUT model by incorporating external variables such as Habit, Perceived Cost, Customer Satisfaction, and Repurchase Intention. A quantitative analysis was conducted using the PLS-SEM method with SmartPLS 3.0 software, involving 413 respondents selected through purposive sampling. The results show that nine hypotheses were accepted while four were rejected. The variables Performance Expectancy and Facilitating Conditions significantly influenced Trust, whereas Effort Expectancy and Social Influence did not. Performance Expectancy, Effort Expectancy, and Facilitating Conditions had a significant impact on Purchase Decision, while Social Influence did not. Trust was found to mediate the relationship between several variables and Purchase Decision, which in turn affected Customer Satisfaction. Perceived Cost and Customer Satisfaction influenced Repurchase Intention, while Habit had no significant effect. These findings highlight the importance of improving service quality, ease of access, and user trust to maintain customer loyalty toward the RedBus application.
Co-Authors Abdullah, Saqyllah Zahra Adham, Adham Agustina Ekasari Alisia, Raffi Abdillah Putra Amin Ash Shabah, Musyaffa Andi Hunafah Balqis Syam Arief Widyananto Asih, Anisa Mukti Awalia, Zahrani Azizah, Siti Fajriah Damayanti, Monika Dewi, Suchi Wati Diajeng Tyas Pinru Phytanza Dwi Indira, Dyana Elisa, Nur Fadhilah, Nur Ahmad Fahlevi, Rizal Faisal Hakim, Muhammad Fajri Ryan Isnandar, Fajri Ryan Fajriah, Siti Fajriah Nurazizah Fikriyah, Kholidatul Firmansyah, Ridwan Fitri Yana Salam Giffari, Muhamad Syafiq Gunawan, Maya Regita Hanif, Annisa Fitria Haque, Hilda Mailil Hari Wibowo Hasan Basri Hendra Saputra, Arsyil Humairoh, Rizka Indra Tama, Annafi Iqbal Ramadhani Mukhlis Isfandayani FAI Isfandayani M.Si. Islamiyah Islamiyah, Islamiyah Istutik, Dwi Kania, Nina Khoiriyah, Ummi Kurniawan, Tri Bagus Kusuma, Alto Wirahadi Larasati Larasati Lutfiah Lutfiah Malik AL Aziz, Fyla Malikhatun, Irna Moh. David Maulana Muhajir, Ammar Muhammad Nadratuzaman Hosen Muhammad Nadratuzaman Hosen, Muhammad Nadratuzaman Mumpuniarti Mumpuniarti Nafiah, Nafiah Naofal Alghifari, Muhamad Nuraini, Ade Indah Nurazizah, Indah Nurdianto, Muhammad Alif Pahlevi, Rizal Prasasti Karunia Farista Ananto Purnama Putra, Purnama Putri Anggraini Aswad, Sephia R. Madhakomala Radiatus Solihin, Fikri Rahayu, Fuji Rahmadhan, Fariz Putra Rahman, Daffi Ramadhan, Dickyansyah Ramadhan, Muhammad Rafli Razaqi, Imam Arizal Rohmayanti Rohmayanti Rosyidha, Aulya Sakinah, Fistiawirzani Sari Rudiyati Satibi, Iswanda Fauzan Sembilu, Nambi Septiandani, Zunna Siti Khadijah Siti Mardiah, Siti Sukinah Sukinah Syafaat, Muhammad Syafaat Tama, Annafi Indra Tias, Elsa Ayuning Tri Luhur Indayanti Sugata Tri Puspa Rinjeni Tri Wulandari Trinanda Sanni, Bella Ummi Khoiriyah Veroyunita Umar Virdha Rahma Aulia Wicaksono, Tegar Adi Wulansari, Anita Yasinta Amalia, Nur Yopi Handoyo Zahara, Futri Amalia Zahra, Alfiah