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All Journal Techno.Com: Jurnal Teknologi Informasi El Dinar Indikator: Jurnal Ilmiah Manajemen & Bisnis Jurnal Inovasi Hasil Pengabdian Masyarakat (JIPEMAS) Jurnal Ketahanan Pangan Unnes Journal of Public Health Gema Kampus IISIP YAPIS Biak Abdimas Galuh: Jurnal Pengabdian Kepada Masyarakat Jurnal Pembelajaran Pemberdayaan Masyarakat (JP2M) Warta Pengabdian Andalas: Jurnal Ilmiah Pengembangan Dan Penerapan Ipteks E-JRM PEDAMAS (Pengabdian Kepada Masyarakat) Sharef: Journal of Sharia Economics and Finance Journal of Islamic economics Perspectives (JIEP) Iqtishadia: Jurnal Ekonomi dan Perbankan Syariah Jurnal Perikanan Optimum: Jurnal Ekonomi dan Pembangunan
Mohammad Rizal, Mohammad
Unknown Affiliation
Religion Agriculture, Biological Sciences & Forestry Humanities Computer Science & IT Decision Sciences, Operations Research & Management Economics, Econometrics & Finance Education Energy Engineering Environmental Science Health Professions Languange, Linguistic, Communication & Media Law, Crime, Criminology & Criminal Justice Medicine & Pharmacology Nursing Public Health Social Sciences Other

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Non-Performing Micro, Small and Medium Enterprises Financing: Studies on Islamic Banking in Indonesia Novianto, Abdullah Syakur Novianto; Rizal, Mohammad; Wahyuniar Asri, Nafadzila
Journal of Islamic Economics Perspectives Vol. 5 No. 2 (2023): September (2023) Journal of Islamic Economics Perspectives
Publisher : Faculty of Islamic Economics and Business, State Islamic University of  Kiai Haji Achmad Siddiq Jember, Indonesia

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.35719/jiep.v5i2.120

Abstract

Micro, Small and Medium Enterprises (MSMEs) have a very large role in the Indonesian economy, but they have the problem of not having access to capital from either banks or non-bank financial institutions. As a form of commitment to support government programs, conventional and Sharia banking extends credit to MSMEs. The amount of financing channelled by Sharia banking to the MSME sector has continued to increase, but the increase in MSME financing has had an impact on non-performing financing for MSME financing, which is above 5%. This study aims to determine the effect of financing margin, the financing-to-deposit ratio (FDR) and the inflation rate on non-performing financing (NPF) for MSME financing in Islamic banking in Indonesia. Multiple regression analysis is used in this study, and took a sample of 36 data was obtained from the financial services authority's Sharia banking statistical reports. This study found that the financing margin and the financing-to-deposit ratio (FDR) positively affect non-performing MSME financing. In contrast, the inflation rate does not affect non-performing MSME financing.
Effect of minimum wages on labor, welfare and economic growth: Evidence from East Java province Rizal, Mohammad; Mustapita, Arini Fitria
Optimum: Jurnal Ekonomi dan Pembangunan Vol. 14 No. 1 (2024)
Publisher : Universitas Ahmad Dahlan

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.12928/optimum.v14i1.8139

Abstract

Wage issues are still a major concern, especially in Indonesia. The fact that wages constitute the most significant part of a person's income makes it an important indicator that reflects the level of welfare of a country. The minimum wage policy also serves as a protective tool for companies to maintain labor productivity. This research analyze the relationship between minimum wages and the number of labor, welfare, and economic growth in East Java. East Java has a significant role in the number of labor, prosperity, and economic growth, making a major contribution to the national economy with a substantial workforce. This research uses a quantitative approach. The data analysis technique uses canonical correlation statistical techniques. The data used taken from the annual reports of each city/district for 2018-2022, totaling 38 regions. The number of labor, welfare, and economic growth can be predicted through the city/district minimum wage. Meanwhile, individually, the minimum wage has the relationship with the number of labor because wages are the primary motivation of workers. In addition, the minimum wage is related to the welfare of workers in East Java, and the minimum wage is related to economic growth.
Pelatihan Untuk Pengajuan Pembiayaan Mudharabah Perbankan Syariah Sebagai Peningkatan Kinerja UMKM Rizal, Mohammad; Mustapita, Arini Fitria; Kartika Sari, Arista Fauzi
Jurnal Inovasi Hasil Pengabdian Masyarakat (JIPEMAS) Vol 3 No 1 (2020)
Publisher : University of Islam Malang

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.33474/jipemas.v3i1.2569

Abstract

Financial management is one of the main aspects for the progress of a company. Accounting is a process or way of producing financial information that can be used to make a decision for its users. Implementation methods of Community Service activities is carried out using presentation methods, tutorial systems, and mentoring. The results of the training and mentoring activities for making Islamic banking mudharabah financing proposal aimed at residents of Malang City Kasin Village who are also perpetrators or owners of MSMEs, have been evaluated based on the response and the results of the practices carried out by the participants and assistance for 3 days. This evaluation of community service activities was carried out through a questionnaire and the results of feedback on questions in the questionnaire relating to training and mentoring materials for making bank credit proposal and the enthusiasm of the participants in each question and answer session. The level of understanding of the participants in understanding the material that has been delivered is grouped on a scale of 71% -80.99%, then the community service activities are declared "quite good" and there are 3 mudharabah financing proposals available from the results of mentoring activities
Optimalisasi Keahlian Microsoft Excel Untuk Peningkatan Produktivitas Tenaga Kerja Ibu Muslimat Rizal, Mohammad; Mustapita, Arini Fitria
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.v6i1.13615

Abstract

Isu pengangguran di Indonesia menjadi tantangan kompleks yang mempunyai dampak signifikan pada sektor tenaga kerja. Pengabdian ini dilaksanakan berdasarkan data Tingkat Pengangguran Terbuka (TPT) di Kota Malang, Jawa Timur, dan Indonesia pada periode 2019-2023 yang masih tinggi. Materi Microsoft Excel dianggap menjadi keterampilan kunci, terutama bagi ibu-ibu Muslimat di Kelurahan Klojen Kota Malang untuk meningkatkan produktivitas tenaga kerja. Workshop/pelatihan intensif dilaksanakan dengan pendekatan Service Learning dengan 40 responden dengan metode cluster random sampling. Hasil pengabdian menghasilkan peningkatan pemahaman signifikan pada materi Microsoft Excel serta materi mengenai RAB (Rencana Anggaran Biaya), mengelola data keuangan, perencanaan anggaran, dan pelaporan keuangan. Tahap Evaluasi dan Umpan Balik menjadi langkah awal untuk merumuskan rekomendasi dan perbaikan ke depan guna meningkatkan efektivitas program pelatihan Microsoft Excel dan mendukung pemberdayaan ekonomi di kalangan ibu-ibu Muslimat.
Pengaruh Digital Marketing, Perilaku Konsumen Dan Kepuasan Konsumen Terhadap Loyalitas Konsumen (Studi Kasus Konsumen Equal Coffee) Hermawan, Gugus; Rizal, Mohammad; Utama, Satria Putra
E-JRM : Elektronik Jurnal Riset Manajemen E-JRM : Elektronik Jurnal Riset Manajemen Vol. 14 No. 02
Publisher : UNIVERSITAS ISLAM MALANG

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Abstract

Abstract This study aims to examine and determine the influence of Digital Marketing, Consumer Behavior, and Consumer Satisfaction on Consumer Loyalty (A Case Study of Equal  Coffee Consumers). This research is a quantitative study. The sampling technique was carried out using Lemeshow’s formula, resulting in a total of 90 samples. The data used in this study is primary data obtained by distributing questionnaires to visitors of Equal  Coffee Malang. To address the research problem, SPSS was utilized, employing instrument tests such as validity and reliability tests, normality tests, classical assumption tests including multicollinearity and heteroscedasticity tests, multiple linear regression analysis, and hypothesis testing using the F-test, t-test, and the coefficient of determination test. The results of this study indicate that Digital Marketing has a significant positive effect on Consumer Loyalty, Consumer Behavior has a significant positive effect on Consumer Loyalty, and Consumer Behavior has a significant positive effect on Consumer Loyalty. Keywords: Digital Marketing, Consumer Behavior, Consumer Satisfaction, Consumer Loyalty
Pengaruh Life Style, Social Media Marketing Dan Product Differentiation Terhadap Keputusan Pembelian Produk Mayang Collection Nabila, Alsya; Rizal, Mohammad; Athia, Ita
E-JRM : Elektronik Jurnal Riset Manajemen E-JRM : Elektronik Jurnal Riset Manajemen Vol. 15 No. 01
Publisher : UNIVERSITAS ISLAM MALANG

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Abstract

Abstract The purpose of this research is to determine and analyze the influence of lifestyle, social media marketing, and product differentiation on purchasing decisions, including the influence of lifestyle on purchasing decisions, social media marketing on purchasing decisions, and product differentiation on purchasing decisions. This thesis employs explanatory research, with a sample size of 105 respondents. The data were analyzed using multiple linear regression analysis. The results indicate that lifestyle, social media marketing, and product differentiation significantly influence purchasing decisions for Mayang Collection products. Lifestyle significantly influences purchasing decisions for Mayang Collection products, meaning that as lifestyle increases, purchasing decisions for Mayang Collection products will increase. Social media marketing significantly influences purchasing decisions for Mayang Collection products, meaning that as social media marketing increases, purchasing decisions for Mayang Collection products will increase. Product differentiation significantly influences purchasing decisions for Mayang Collection products, meaning that as product differentiation increases, purchasing decisions for Mayang Collection products will increase. Keywords: Lifestyle, Social Media Marketing, Product Differentiation, and Purchasing Decisions
Pengaruh Gaya Kepemimpinan, Motivasi Kerja, Budaya Organisasi Dan Work Life Balance Terhadap Retensi Karyawan Ramayana Departement Store Cabang Alun-Alun Kota Malang Anggraini, Juliana; Rizal, Mohammad; Sholehuddin, Sulton
E-JRM : Elektronik Jurnal Riset Manajemen E-JRM : Elektronik Jurnal Riset Manajemen Vol. 15 No. 01
Publisher : UNIVERSITAS ISLAM MALANG

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Abstract

Abstract This study examines the influence of leadership style, work motivation, organizational culture, and work life balance on employee retention at Ramayana Department Store, Alun-Alun Branch, Malang City. Using a quantitative approach, data were collected from 68 permanent employees through a Likert scale questionnaire and analyzed using multiple linear regression. Validity, reliability, and classical assumption tests were conducted prior to hypothesis testing. The results show that leadership style, work motivation, organizational culture, and work life balance each have a positive and significant effect on employee retention. Simultaneously, all variables significantly influence employee retention. These findings highlight the importance of effective leadership, enhanced motivation, a positive organizational culture, and balanced work life policies in improving employee retention. The study provides practical implications for human resource management strategies in the retail industry. Keywords: Leadership Style, Work Motivation, Organizational Culture, Work Life Balance, Employee Retention.
Pengaruh Adopsi Teknologi Digital, Dukungan Pemerintah, Dan Literasi Keuangan Terhadap Keberlangsungan Usaha Pedagang Pasar Besar Malang Indana, Syiva; Rizal, Mohammad; Arsyianto, Muhammad Tody
E-JRM : Elektronik Jurnal Riset Manajemen E-JRM : Elektronik Jurnal Riset Manajemen Vol. 15 No. 01
Publisher : UNIVERSITAS ISLAM MALANG

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Abstract

Abstract This research seeks to analyze and determine the influence of digital technology adoption, government support, and financial literacy on the business sustainability of traders at Pasar Besar Malang. This study employed quantitative methods and a Likert scale as a measurement tool. The sample used a purposive sampling technique, with 100 respondents, namely traders at Pasar Besar Malang. Primary data were obtained through direct questionnaire distribution using Google Forms and printed questionnaires. Testing in this study used validity, reliability, normality, classical assumption tests, multiple linear regression, and hypothesis testing using SPSS 25 software. The results of this study indicate that digital technology adoption, government support, and financial literacy each have a partial effect on business sustainability. Keywords: Digital Technology Adoption, Government Support, Financial Literacy, Business Sustainability.
Pengaruh Product Quality , Brand Image Dan Product Variant Terhadap Kepuasan Pelanggan Mixue (Studi Kasus Pada Warga Kota Malang) Muzakkiy, Achmad; Rizal, Mohammad; Novianto, Abdullah Syakur
E-JRM : Elektronik Jurnal Riset Manajemen E-JRM : Elektronik Jurnal Riset Manajemen Vol. 15 No. 01
Publisher : UNIVERSITAS ISLAM MALANG

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Abstract

Abstract The purpose of this study is to determine the influence of product quality, brand image, and product variants on Mixue customer satisfaction. The number of samples in this study was 80 respondents determined using the Malhotra formula with the characteristics that respondents are in Malang City and have purchased Mixue Ice Cream & Tea products. This type of research uses explanatory research and data analysis used is multiple linear regression analysis. The results of this study state that product quality, brand image, and product variants have a significant effect on Mixue customer satisfaction in Malang City partially and simultaneously. Keywords: Product Quality, Brand Image, Product Variant, Kepuasan Pelangan 
Pengaruh Kualitas Sistem Informasi Dan Kemudahan Akses Terhadap Loyalitas Pengguna Dengan Kepuasan Sebagai Variabel Mediasi Pada Platform Weverse (Studi Pada Komunitas Digital Fans K-Pop) Syalzidah, Miftahul; Basalamah, Muhammad Ridwan; Rizal, Mohammad
E-JRM : Elektronik Jurnal Riset Manajemen E-JRM : Elektronik Jurnal Riset Manajemen Vol. 15 No. 01
Publisher : UNIVERSITAS ISLAM MALANG

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Abstract

Abstract Accessibility on Weverse users' continuous commitment, with satisfaction serving as a mediating variable. Using the Theory of Reasoned Action as the conceptual foundation, this study employed a quantitative approach with an explanatory design, involving 105 active Weverse users from the Malang City region, selected through purposive sampling. Data were collected using electronic questionnaires with Likert scales and analyzed using Partial Least Square-Structural Equation Modeling (PLS-SEM) with SmartPLS version 4.0 software. The measurement model evaluation verified that all indicators met the convergent validity criteria, with factor loadings between 0.785 and 0.908, and Average Variance Extracted values above the 0.50 threshold, along with strong internal consistency reliability as indicated by Composite Reliability and Cronbach's Alpha exceeding 0.70. The empirical results show that platform accessibility has a significant impact on user satisfaction (T-statistic = 3.652; P-value = 0.000) and commitment (T-statistic = 3.578; P-value = 0.000). Contrary to the initial hypothesis, system infrastructure quality did not show a significant influence on satisfaction (P-value = 0.077) or loyalty (P-value = 0.449). Furthermore, satisfaction did not mediate the relationship between these predictors and loyalty. The coefficient of determination reveals that the independent variables explain 20.4% of the variance in satisfaction and 23.8% in user loyalty. Overall, these findings emphasize that operational flexibility and user-friendly features of the platform are primary drivers of loyalty in K-Pop fan digital communities, while concerns about data security and system reliability remain significant barriers in building user loyalty. Keywords: Ease Of Access, User Satisfaction, User Loyalty
Co-Authors Abdullah Syakur Novianto Afiandi, Dian Agung Wicaksono Aini, Syarifa Aisyah, Diana Sari Alan, Tri Setyo Budi Alfian Budi Primanto Ali, Nurain Alistin, Dita Putri Amanda, Dita Amanda, Nina Septira Putri Andi Normaladewi Anggraini, Juliana Apsarini, Nabila Wahyu Arifin, Mochammad Zainul Arini Fitria Mustapita Arsyianto, Muhammad Tody Azez, Muchamad Abdul Azizah, Yasmin Nur Baruda, Nu’man Hakiki Basalamah, Muhammad Ridwan Bastomi, Mohamad Bayu Wicaksono Cahya Wulandari Christy Atika Sari Damayanti, Erika De Rosal Ignatius Moses Setiadi Denavia, Putri Dita Roosemella Paramadina Ediningsih, Firda Eko Hari Rachmawanto Ermawati Ermawati Fahrurrozi Rahman Florentina Esti Nilawati Gofur, Iqbal Abdul Hadi Sunaryo Hermawan, Gugus Hutama, Genta Arya Indana, Syiva Indriani, Ferlia Indriyati, Rika Irwan Irwan Ita Athia Itsnaini, Ahmad Ilyas Junaidi Junaidi Kamtari, Gita Ade Kartika Sari, Arista Fauzi Khalikussabir, Khalikussabir Khasmir, Khasmir KHOIRUL ANAM Khuluq, Habib Husnul Kurniatin, Titin Laila, Azza Nur Lestari, Vita Dwi M. Agus Salim Al Fathoni Maharani, Puteri Aurelia Mahardani, Ahmad Subhan Maharisna, Robby Yudha Mahfud, Ah Syaifudi Maimun, Muhammad Masrohatin, Siti Maula, Moh Hafi Nasil Maulidi, Ahmad Wasil Muhajir Muhajir, Muhajir Muhammad Ridwan Munawaroh, Mufrida Muzakkiy, Achmad Nabila, Alsya Nafisah, Wardatun Najih, M. Ulul Ikhwanin Najjah, Famirza Syifaun Nisa, Firda Hanikati Novianto, Abdullah Syakur Novianto Novitasari, Khofifah Indria Nur Halifah, Nur Nur Hasanah Nurcahyono, Septian Dwi Pramana, Adham Putra Pratama, Yongki Putra, Satrio Airlangga Raden Mohamad Herdian Bhakti Rahmatillah, Siti Ratna Tri Hardaningtyas, Ratna Tri Rizqi, Moch Ilham Khoirur Rohmah, Mimmatur ROHMAH, NUZULUR Satria Putra Utama Soleha, Faridatus Stiani, Sofi Nurmay Sujana, Ilham Alif Sukayasa Sulton Sholehuddin, Sulton Sumaryam, Sumaryam Sutriman, Indah Ayu Syafiudin, Achmad Imam Syalzidah, Miftahul Taslim, M. Triyoga, Efriza Fahmi Usiaman, Aldi Waasiah, Rifatul Wahfiudin, Fajar Wahyuniar Asri, Nafadzila Wahyuningtyas, Nanik Wati, Hanis Putri Kurnia Wati, Ice Trisna Widarko, Agus Yusransyah, Yusransyah Zain, Dhanang Taufik Zidane, Muhamad Yazid