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All Journal Bubungan Tinggi: Jurnal Pengabdian Masyarakat Borneo Journal of Islamic Education Jurnal Ilmu Pendidikan dan Pembelajaran Jurnal Intelek Dan Cendikiawan Nusantara Multidisciplinary Indonesian Center Journal
M Rikza Chamami
UIN Walisongo Semarang
Religion Arts Humanities Chemistry Computer Science & IT Earth & Planetary Sciences Economics, Econometrics & Finance Education Languange, Linguistic, Communication & Media Mathematics Physics Social Sciences Other

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Edukasi Keuangan Digital dalam Memanfaatkan Jasa Pinjaman Online Ana Zahrotun Nihayah; Ifnasya Kahrismasuci; M Rikza Chamami; Lathif Hanafir Rifqi
Bubungan Tinggi: Jurnal Pengabdian Masyarakat Vol 5, No 1 (2023)
Publisher : Universitas Lambung Mangkurat

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.20527/btjpm.v5i1.7325

Abstract

Pemanfaatan kemajuan teknologi dalam bidang keuangan semakin berkembang pesat. Inovasi teknologi mendatangkan proses transaksi keuangan yang lebih praktis, salah satunya diaplikasikan pada pinjaman online. Pelaksanaan kegiatan Pengabdian kepada Masyarakat (PkM) dilatarbelakangi maraknya pinjaman online yang ditawarkan kepada masyarakat tetapi tidak diimbangi dengan pengetahuan masyarakat terhadap pinjaman online itu sendiri. Sehinngga menyebabkan beberapa diantara anggota Ibu-Ibu PKK terjebak pada permasalahan pinjaman online. Tujuan kegiatan PkM adalah memberikan edukasi kepada masyarakat seputar keuangan digital yang terfokus pada materi pinjaman online. Pelaksanaan pada kegiatan PkM dilakukan secara langsung pada hari Sabtu, 13 Agustus 2022 bertempat di kediaman Ibu Ketua PKK di Desa Jebol Kecamatan Mayong Kabupaten Jepara. Hasil kegiatan PkM ini menjelaskan bawa pemahaman literasi seputar keuangan digital khususnya pada pinjaman online sangat bermanfaat untuk kelompok Ibu-Ibu PKK, hal terlihat dari hasil survei tingkat kepuasan peserta sebesar 83% menyatakan sangat puas atas terselenggaranya kegiatan PkM ini. The use of technological advances in the financial sector is overgrowing. Technological innovations bring about a more practical financial transaction process, one of which is applied to online loans. The implementation of community service activities (PkM) is motivated by the rise of online loans being offered to the public but not balanced with the public's knowledge of online loans. So that caused some of the PKK members to get stuck in online loan problems. The purpose of community service activities (PkM) is to educate the public about digital finance, which focuses on online material loans. The implementation of PkM activities is carried out through 3 stages: introduction, implementation and evaluation. The results of this PKM activity explain that understanding digital finance literacy benefits groups of PKK mothers, especially online loans. This can be seen from the survey results; satisfaction level of participants of 83% stated that they were very satisfied with implementing this PkM activity. 
ISLAMIC BOARDING SCHOOL MANAGEMENT IN IMPROVING TEACHER COMPETENCE AT MODERN BOARDING SCHOOL AL - MUSYADDAD KLATEN Alfin Yunianto; M Rikza Chamami
Multidisciplinary Indonesian Center Journal (MICJO) Vol. 2 No. 1 (2025): Vol. 2 No. 1 Edisi Januari 2025
Publisher : PT. Jurnal Center Indonesia Publisher

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.62567/micjo.v2i1.441

Abstract

Pesantren management is a series of systems, rules, and governance of educational institutions structured within the framework of values in pesantren. Activities or functions in pesantren management include planning, organizing, directing, and supervising. Teachers or ustad have a central role in pesantren. Ustad also acts as a mentor and role model for the students. There are four competencies that must be possessed by a teacher, namely pedagogical, social, professional, and personality competencies. In this study focuses on the teacher's personality competence, where ustad is expected to have attitudes and behaviors that can be emulated by the students. Pondok Modern Al-Musyaddad is a modern cottage that emphasizes Arabic and English in its daily conversation, and uses a curriculum using the term KMI (Kulliyatul Mu'alimin Al-Islamiyah) in its learning. This study aims to analyze how management at Pondok Modern Al-Musyaddad and how pesantren management in improving teacher competence at Pondok Modern Al-Musyaddad. The method used is qualitative research with data collection techniques through observation, interviews, and documentation. The results showed that pesantren management at Pondok Modern Al-Musyaddad Klaten has been running well in improving the personality competence of teachers/ustad.  
Internalization of Islamic Spiritual Values in the Culture of an Excellent School at Senior High School Arif Samsudin; M Rikza Chamami; Fihris Fihris; Rohman Rohman
Jurnal Ilmu Pendidikan dan Pembelajaran Vol. 4 No. 2 (2026): April 2026
Publisher : Mitra Edukasi dan Publikasi

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.58706/jipp.v4n2.p267-280

Abstract

Schools often emphasize academic achievement, modern facilities, and global achievements, but often spirituality is not a major concern even though academic intelligence without spiritual guidance has the potential to produce morally fragile graduates. This study aims to analyze the internalization of Islamic spiritual values in the culture of an excellent school at SMA Negeri 3 Semarang, as well as to examine the impact of the Specta Religios and Specta Charity programs on student character development. This research uses a qualitative approach with a descriptive type, through observation, interviews, and documentation techniques of students, PAI teachers, and Rohis extracurricular advisors. The results show that Specta Religi program, which includes reciting the Qur'an, performing the dhuha prayer, and giving religious lectures, has succeeded in fostering religious habits, discipline, and a sense of responsibility among students. Meanwhile, the Specta Charity program, which involves distributing food, social service, and caring activities, has fostered solidarity, empathy, and social responsibility. These two programs complement each other in instilling Islamic values because they emphasize a balance between vertical religiosity towards Allah and horizontal care for others. Thus, the internalization of Islamic spiritual values at SMA Negeri 3 Semarang has proven effective in forming a holistic, excellent school culture, producing students who are both high-achieving and noble in character.
Sejarah Berdirinya dan Perkembangan Pondok Pesantren Al Fajar Babakan Lebaksiu Kabupaten Tegal Fatimah Chindy Aulia; Hanna Maulida Izzat Elsholihah; M Rikza Chamami
Jurnal Intelek Dan Cendikiawan Nusantara Vol. 3 No. 03 (2026): JUNI - JULI 2026
Publisher : PT. Intelek Cendikiawan Nusantara

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Abstract

Artikel ini membahas sejarah berdirinya serta perkembangan Pondok Pesantren Al Fajar yang berada di Dukuh Babakan, Desa Jatimulya, Kecamatan Lebaksiu, Kabupaten Tegal. Penelitian ini menggunakan pendekatan kualitatif dengan metode historis melalui wawancara mendalam bersama pengasuh Pondok Pesantren Al fajar. Hasil penelitian menunjukkan bahwa Pondok Pesantren Al Fajar berkembang secara bertahap. Pada awalnya, lembaga ini berupa Kos-kosan yang disertai dengan kegiatan keagamaan non formal pada tahun 1990-an. Memasuki awal tahun 2000-an, lembaga tersebut berkembang menjadi Wisma Al Fajar, kemudian memperoleh izin operasional resmi sebagai pondok pesantren pada tahun 2006. Dalam perkembangannya, pesantren juga mendirikan SMK Al Fajar pada tahun 2013 dan SMP Takhasus Al-Qur'an pada tahun 2022 sebagai bentuk integrasi antara pendidikan pesantren dan pendidikan formal. Proses perkembangan tersebut dianalisis melalui teori modernisasi pesantren dan teori modal sosial untuk menjelaskan upaya adaptasi lembaga pendidikan Islam tradisional terhadap tuntutan pendidikan modern tanpa mengabaikan nilai-nilai keislaman serta tradisi keilmuan yang menjadi landasannya
Manajemen Mutu Integratif Lembaga Pendidikan Islam di MTsN 7 Tulungagung Desi Dwi Anissa; M Rikza Chamami
Borneo Journal of Islamic Education Vol. 6 No. 1 (2026): Borneo Journal of Islamic Education, 6 (1), Mei 2026
Publisher : Faculty of Education and Teacher Training of UINSI Samarinda

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.21093/znp7c554

Abstract

Improving madrasah quality requires integrated governance because institutional growth, educational services, and student achievement do not automatically develop at the same pace. This study examined integrative quality management at MTsN 7 Tulungagung through four key dimensions: educational facilities and infrastructure, administrative services, the capacity of teachers and education personnel, and student development. A descriptive qualitative case-study design was employed. Data were collected in 2025 through field observations, semi-structured interviews, and analysis of institutional documents, and were analyzed using data condensation, data display, conclusion drawing, and source-and-technique triangulation. The findings showed that the madrasah had strong institutional capital, including increasing public demand, Adiwiyata practices, research-madrasah status, religious habituation, and achievements at national and international competitions. However, the growth from 516 students in 2012/2013 to 924 students in 2024/2025 was not fully matched by support capacity: nine classrooms required repair, science and language laboratories were unavailable, most computers required maintenance or replacement, administrative work remained partly fragmented, and research and competition programs required additional specialist support and sustainable financing. The study concluded that the quality of the madrasah was produced by the interaction of responsive services, committed personnel, religious-environmental culture, and student-development programs, but its sustainability depended on data-based planning, continuous professional development, integrated administration, and prioritized facility investment.
Co-Authors Alfin Yunianto Arif Samsudin Desi Dwi Anissa Fatimah Chindy Aulia Fihris Sa’adah Hanna Maulida Izzat Elsholihah Ifnasya Kahrismasuci Nihayah, Ana Zahrotun Rifqi, Lathif Hanafir Rohman Rohman