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All Journal VA JSW (Jurnal Sosiologi Walisongo) JEB17 : Jurnal Ekonomi dan Bisnis QALAMUNA: Jurnal Pendidikan, Sosial, dan Agama Jurnal EMT KITA Mazahib PEDAGOGI IKRA-ITH Informatika : Jurnal Komputer dan Informatika JURNAL KAJIAN TEKNIK ELEKTRO Edukasi Islami: Jurnal Pendidikan Islam KACANEGARA Jurnal Pengabdian pada Masyarakat Jurnal Kreativitas PKM Manuju : Malahayati Nursing Journal SCAFFOLDING: Jurnal Pendidikan Islam dan Multikulturalisme Abdi Dosen : Jurnal Pengabdian Pada Masyarakat Jurnal Pemerintahan dan Politik Dharma Raflesia : Jurnal Ilmiah Pengembangan dan Penerapan IPTEKS Jurnal Suara Hukum Jurnal Al-Irsyad: Jurnal Bimbingan Konseling Islam Jurnal Pengabdian kepada Masyarakat Nusantara Jurnal Fakultas Ilmu Keislaman UNISA Kuningan Jurnal Ilmiah Wahana Pendidikan IJORER : International Journal of Recent Educational Research Bulletin of Computer Science Research Jurnal Pengabdian Masyarakat Nusantara International Journal Education and Computer Studies International Journal of Management Science and Information Technology (IJMSIT) Journal of General Education and Humanities Edukasia: Jurnal Pendidikan dan Pembelajaran Berdikari : Jurnal Pengabdian kepada Masyarakat Abdimas Indonesian Journal Jurnal Hasil Pengabdian Masyarakat (JURIBMAS) Al Tahdzib: Jurnal Pendidikan Islam Anak Usia Dini Literasi: Jurnal Pengabdian Masyarakat dan Inovasi Indonesian Journal Economic Review (IJER) Jurnal Manajemen Sistem Informasi Jurnal Mahasiswa Entrepreneur KAMI MENGABDI JRIIN :Jurnal Riset Informatika dan Inovasi Jurnal Informatika Polinema (JIP) JESKaPe: Jurnal Ekonomi Syariah, Akuntansi dan Perbankan Jurnal Ekonomi dan Pembangunan Indonesia Jurnal Indonesia : Manajemen Informatika dan Komunikasi kawanad Journal Innovations Computer Science PANDAWA : Jurnal Pengabdian kepada Masyarakat Jurnal Sistem Komputer (SISKOM) Jurnal Manajemen dan Teknologi Computer Journal Design Journal Journal Dekstop Application (JDA) Al-Ridha Al Iman: Jurnal Keislaman dan Kemasyarakatan Bersama: Jurnal Pengabdian Kepada Masyarakat As-Syirkah: Islamic Economic & Financial Journal An-Nahdloh: Journal of Education and Islamic Studies
Abdus Salam, Abdus
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Analisis Kesesuaian Prinsip Syariah dalam Praktik Utang-Piutang Berbasis Fintech: Studi Kasus Pengguna Aplikasi Akulaku Salam, Abdus
As-Syirkah: Islamic Economic & Financial Journal Vol. 4 No. 2 (2025): As-Syirkah: Islamic Economic & Financial Journal 
Publisher : Ikatan Da'i Indonesia

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.56672/jv529451

Abstract

This study critically examines the compliance of fintech-based debt-credit practices, specifically within the Akulaku application, with Islamic Sharia principles. It addresses the rapid growth of online lending in Indonesia and the increasing need for Sharia-compliant financial solutions among the Muslim population. Employing a qualitative descriptive methodology, the research analyzes Akulaku's operational mechanisms, product offerings (Akulaku Paylater, KTA Asetku, Dana Cicil), and terms and conditions against the foundational concepts of qardh (loan) and riba (interest/usury) in Islamic law, drawing upon relevant DSN-MUI fatwas. Findings consistently indicate that while Akulaku offers convenience and quick access to funds, its imposition of additional charges on principal loans and late payment penalties constitutes riba qardh and riba jahiliyah, rendering these practices non-compliant with Sharia principles, particularly DSN-MUI Fatwa No. 117/II/2018. The study highlights the negative implications for users, who often face burdensome repayments and psychological stress. It concludes that despite its modern facade, Akulaku's current debt-credit model requires significant reform to align with Islamic economic principles, offering crucial insights for users, developers, and regulators in the burgeoning Islamic fintech sector.  
PENGARUH HARGA, KUALITAS PRODUK DAN KUALITAS PELAYANAN TERHADAP KEPUASAN KONSUMEN MELALUI KEPUTUSAN PEMBELIAN SEBAGAI VARIABEL INTERVENING PADA TOKO MS COLLECTION DI KABUPATEN SITUBONDO Salam, Abdus; Ediyanto, Ediyanto; Sari, Lita Permata
Jurnal Mahasiswa Entrepreneurship (JME) Vol 4 No 8 (2025): AGUSTUS 2025
Publisher : Fakultas Ekonomi dan Bisnis

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.36841/jme.v4i8.7209

Abstract

In the era of increasingly fierce business competition, price, product quality, and service quality have become important elements in building customer satisfaction. This study aims to analyze the influence of price, product quality, and service quality on customer satisfaction through purchase decision as an intervening variable at MS Collection Store in Situbondo Regency. This research is an explanatory study with a quantitative approach. The population of this research is the customers of MS Collection Store, with the sampling technique using purposive sampling. Data analysis was conducted using IBM SPSS Statistic 22 with Structural Equation Modeling – Partial Least Square (PLS-SEM) through Smart PLS 3.2 software. The results of the hypothesis testing using Smart PLS 3.2 show that Price has a positive influence on Purchase Decision but the effect is not significant, Price has a positive influence on Customer Satisfaction but the effect is not significant, Product Quality has a positive influence on Purchase Decision but the effect is not significant, Product Quality has a positive influence on Customer Satisfaction but the effect is not significant, Service Quality has a positive and significant influence on Purchase Decision, Service Quality has a positive influence on Customer Satisfaction but the effect is not significant, Purchase Decision has a positive influence on Customer Satisfaction but the effect is not significant, Price has a positive influence on Customer Satisfaction through Purchase Decision but the effect is not significant, Product Quality has a positive influence on Customer Satisfaction through Purchase Decision but the effect is not significant, Service Quality has a positive influence on Customer Satisfaction through Purchase Decision but the effect is not significant.
Murur Scheme Educational Model: An Andragogy-Based Innovation for Strengthening Hajj Moderation Jajat, Dede; Salam, Abdus; Karim, Abdul
Scaffolding: Jurnal Pendidikan Islam dan Multikulturalisme Vol. 7 No. 3 (2025): Pendidikan Islam dan Multikulturalisme
Publisher : Institut Agama Islam Sunan Giri (INSURI) Ponorogo

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.37680/scaffolding.v7i3.7813

Abstract

The purpose of this study was to construct an educational model for strengthening religious moderation among elderly Hajj pilgrims at the Hajj and Umrah training institution of the Nurulhuda Islamic Education Foundation in Ciamis. This research approach used a qualitative case study method. Data collection was carried out through semi-structured interviews with the Foundation Leader, Ustadz, and elderly Hajj pilgrims. As well as observations through observing Hajj training activities for the pilgrims. Data analysis used the Miles and Huberman model, and validity testing used a data credibility test with the triangulation method. The results of the study showed: 1)Murur Scheme Education was carried out with the following schemes: Delivery of Murur policies, Socialization of new aspects in Murur policies in Muzdalifah, Comprehensive understanding of elderly pilgrims, and innovating ways to provide a correct understanding regarding the obligatory Hajj. 2)Strengthening Andragogy-Based Hajj Moderation was carried out by strengthening religious moderation in accompanying Hajj pilgrims, providing provisions before Hajj departure, during Hajj implementation, and after the peak of Hajj. 3)Implementation is carried out through the application of andragogy, through education by tutors, organization of learning materials, and learning methods. 4)Implications of Andragogy-Based Murur Scheme Education through two phases, namely, the education phase and the Andragogy-Based Hajj Moderation Strengthening Phase. The results of the study contribute by providing innovative solutions for elderly Hajj education through an andragogy approach that can be adopted by educational institutions and Hajj organizers, and support the development of a more inclusive and adaptive learning model.
Implementasi Website BumDes Manggala Karsa Desa Karangsari, Kec. Pejawaran, Kab. Banjarnegara Setiono, Oki; Salam, Abdus; Ghozi, Wildanil; Handoko, L. Budi
Jurnal Pengabdian kepada Masyarakat Nusantara Vol. 4 No. 4 (2023): Jurnal Pengabdian kepada Masyarakat Nusantara (JPkMN)
Publisher : Lembaga Dongan Dosen

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

Abstract

Desa Karangsari, Pejawaran, Banjarnegara belum memiliki website untuk BUMDes yang digunakan sebagai sarana informasi kegiatan dan promosi hasil produk UMKM desa. Kegiatan BUMDes belum terdokumentasi dengan baik, layanan kepada masyarakat untuk kegiatan BUMDes belum menggunakan teknologi informasi serta informasi produk dan jasa yang dikelola BUMDes belum tersebar dengan maksimal.Tujuan yang hendak dicapai adalah pendampingan pengembangan website BUMDes desa Karangsari, Kec. Pejawaran, Kab. Banjarnegara untuk meningkatkan kinerja dan layanan BUMDes kepada masyarakat. Hasil yang dicapai berupa website BUMDes untuk layanan publik dan mengenalkan unit usaha serta penjualan produk UMKM desa
Sosialisasi Peluang Home Business dalam Ekonomi Digital Wali, Muhammad; Amri, Khairul; Nasir; Rizal, Syamsul; Salam, Abdus
Kawanad : Jurnal Pengabdian kepada Masyarakat Vol. 1 No. 1 (2022): March
Publisher : Yayasan Kawanad

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.56347/kjpkm.v1i1.9

Abstract

This socialization activity aims to provide insight into opportunities to develop knowledge of trends and insights that are equal for small industries, as well as educate participants to obtain information to be able to join relevant associations/communities in every expert activity on social media. The implementation method follows a gradual process consisting of stages of information exchange, question and answer, discussion, and demonstration. The enthusiasm of the participants who followed with a percentage of 94%, and the results that have been achieved in the activities carried out are; 1) Participants are familiar with the knowledge and opportunities of home industry, 2) Participants are able to master the use of the Canva application to create product catalogs and implement it on various online sales media platforms, 3) Participants are able to take advantage of relevant associations/communities in every expert activity in the media social media to obtain relevant information, and 4) Participants are also able to master the knowledge gained as additional skills and create effective product promotion opportunities for home industries.
Pelatihan dan Sosialisasi Automated Trading Systems & Autopilot Manual Trading Salam, Abdus; Wani, Cut Eva; Nasir; Farnita, Irma; Ismail; Alfina; Imilda
Kawanad : Jurnal Pengabdian kepada Masyarakat Vol. 2 No. 1 (2023): March
Publisher : Yayasan Kawanad

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.56347/kjpkm.v2i1.102

Abstract

Automated Trading Systems & Autopilot Manual Trading training for 6 days on 10-15 January 2023 provides an understanding of the concepts and workings of ATS and AMT as well as risk management in trading. This training is expected to make participants more independent in trading and able to maximize the use of ATS and AMT to gain profits in their investments. In addition, this training is expected to make a positive contribution in increasing financial literacy and investment in society. However, this needs to be done in a structured and comprehensive manner so that capital market participants understand the potential risks that may arise when using Automated Trading Systems and Autopilot Manual Trading in their investment activities. The recommendation that can be made is to hold regular training and outreach, both by regulators, securities companies, and capital market associations. With effective training and outreach as well as strict supervision, it is hoped that capital market players will be able to optimize their investment potential by avoiding unwanted risks. This training can also help increase awareness and understanding of sharia compliance in investing in the Indonesian sharia capital market.
Sistem Pengambilan Keputusan Penentuan Lokasi Beauty Shop Menggunakan Metode Simple Additive Weighting (SAW) Salam, Abdus; Fathurrahmad
Journal Innovations Computer Science Vol. 1 No. 1 (2022): May 2022
Publisher : Yayasan Kawanad

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.56347/jics.v1i1.24

Abstract

The purpose of this study was to design and develop a decision support system for the location of a salon or beauty shop in Aceh Province. In this study, the authors used observation and interview techniques by implementing SAW in the analysis and waterfall as a software development method. This study succeeded in making a Decision Making System for Determining Salon Business Locations in Aceh Province Using the SAW Method and this study succeeded in performing alternative rankings from the weight calculation results for Determining Salon Business Locations in Aceh Province using SAW (Simple Additive Weighting). The suggestions that the author wants to convey after making observations are for further development, the system is expected to be able to combine several other methods as a comparison of alternative ranking results and need further development in the reporting process, because this system is still very simple in displaying reports so that in the future there will be more use more detailed graphics.
Perancangan Sistem Informasi Laundry pada CV. XYZ Ismail; Salam, Abdus
Journal Innovations Computer Science Vol. 1 No. 1 (2022): May 2022
Publisher : Yayasan Kawanad

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.56347/jics.v1i1.27

Abstract

The purpose of this research is to design an information system application for CV. XYZ to assist in handling various administrations to reporting. In recording and processing transaction data, CV. XYZ already has its own system, such as recording customer names, ordering services and shipping still using paper and the system used in recording such as data on goods washed from customers is still conventional so it is still less efficient in terms of processing time. For this reason, a computerized system is needed that is able to present data quickly and precisely so that the smooth running of business operations can be further improved. In the application development process using the PXP (Personal Extreme Programming) model. From the results of research and observations that have been made on CV. XYZ, it can be concluded; From the results of making a web-based laundry information system, it becomes easy to manage CV laundry transaction reporting. XYZ to laundry reports quickly, and can handle and control and supervise laundry transaction data, create invoices that can avoid delays and in making laundry reports for every transaction activity.
Perancangan Aplikasi Manajemen Akreditasi sebagai Layanan Peningkatan Mutu Institusi Wali , Muhammad; Syarifuddin; Iqbal, Taufiq; Salam, Abdus
Journal Innovations Computer Science Vol. 1 No. 1 (2022): May 2022
Publisher : Yayasan Kawanad

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.56347/jics.v1i1.29

Abstract

The specific purpose of the research is to generate concepts and develop new models to assess higher education performance by referring to Study Program Accreditation (APS 4.0) and Institutional Accreditation (APT 3.0) BAN-PT which can monitor and evaluate quality performance, and document in accordance with accreditation instruments, as well as implement an intelligent system algorithm that is able to assess the quality of higher education performance. Broadly speaking, this research is divided into three stages of research, namely pre-development data collection, development and implementation, and post-development data collection. From the results of the distribution of questionnaires on the use of the application, it has been seen from the support and Universities that relatively positive needs are needed as applications to support the accreditation process. At the end of 2020, this application has been implemented for PT AMIK Indonesia's accreditation activities and the response from Assessors has been very good and this application can replace the use of Google Drive as a documentation medium in the accreditation assessment process. The use of the flutter framework supports attractive visualizations with a fast development process.
PENGARUH PEMBIAYAAN MURABAHAH DAN PEMBIAYAAN IJARAH TERHADAP KINERJA KEUANGAN PT. BANK SYARIAH INDONESIA Tbk (BSI) TAHUN 2021-2023 Fauzan, Arif; Nugraha, Asep; Salam, Abdus; Ahmad Hikami, Haikal
Jurnal Fakultas Ilmu Keislaman UNISA Kuningan Vol. 5 No. 3 (2024): Jurnal Fakultas Ilmu Keislaman UNISA Kuningan
Publisher : Jurnal Fakultas Ilmu Keislaman UNISA Kuningan

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

Abstract

Penelitian ini dilatarbelakangi lembaga keuangan syariah sering menghadapi beberapa faktor makro ekonomi yang menjadi permasalahan seperti inflasi, currency exchange atau kurs mata uang, margin, pangsa pasar dan kebijakan BI Rate dan terjadi penyimpangan teori dengan kenyataan dimana seharusnya jika semakin tinggi jumlah pembiayaan semakin tinggi persentasi pada kinerja keuangan (ROA), tetapi kenyataannya terjadi kejanggalan dimana pembiayaan murabahah, pembiayaan ijarah dan ROA selalu mengalami perbedaan. Tujuan penelitian ini untuk mengetahui pengaruh pembiayaan murabahah, dan pembiayaan ijarah terhadap kinerja keuangan PT. Bank Syariah Indonesia Tbk (BSI) periode 2021-2023. Dalam penelitian ini menggunakan metode kuantitatif dengan sumber data yang digunakan adalah data sekunder. Penelitian ini menggunakan data laporan keuangan neraca dan rasio keuangan secara triwulan tahun 2021-2023 pada PT. Bank Syariah Indonesia Tbk (BSI). Teknik analisis yang digunakan seperti analisis statistik deskriptif, analisis uji asumsi klasik, analisis regresi linier berganda, uji hipotesis yaitu uji t, uji F dan koefisiensi determinasi (R2). Hasil penelitian ini menunjukkan bahwa secara parsial pembiayaan murabahah berpengaruh positif dan signifikan terhadap kinerja keuangan. Secara parsial pembiayaan ijarah tidak berpengaruh positif dan signifikan terhadap kinerja keuangan. Dan secara simultan pembiayaan murabahah, dan pembiayaan ijarah berpengaruh positif dan signifikan terhadap kinerja keuangan. Kata Kunci: Pembiayaan Murabahah, Pembiayaan Ijarah, Kinerja Keuangan
Co-Authors Abdul Karim Adityo Nugroho, Adityo Afkar, M.Khadafi Agus Wicahyono Ahdiani Hayati, Lena Ahmad Hikami, Haikal Ahmad Rofii Akbar, Rasyan Akbar, Rizaldi Akmalia, Naila Febrina Al Bahri, Fauzan Putraga Al-Maamari, Abdulwahab Abdullah Alfina Almeida, Giovani Costa Alvien Septian Haerisma Amalia Amalia Amri Amin Angrian Permana, Angrian Anisa Fitria Utami Apriliani, Andhini Ariadi, Herman Arif Fauzan, Arif Asep Nugraha, Asep Asib Dwi Kuryanto Aspandi, Ade Azhari, Lukman Aziz, Muhammad Fauzan Bachrul Ulum Bahruni . Baridi, Muhammad Cahya, Ilham Dwi Darmawan Dede Rosyada Deik, Ghiyas Ahmed Dyah Ika Rinawati Ediyanto Endang Suprapti Eva Siti Ropiah Fachri, Khoerul Fadillillah, Shabian Dylan Fatani, Muhammad Fathurrahmad Fauzan Ishlakhuddin Ferdiansyah, Dimas Galih Firmansyah, Aditya Fitri Meliani, Fitri Gatra, Rahmadhan Ghazali, Ziyadul Ifdhal Habibah, Muzayyidatul Hajriyanti, Rahmi Hamonangan, Andhika Daniel Hanura Aprilia, Hanura Harry Aprianto Hasanah, Kemala Heriyani, Nofitri Hevi Kurnia Hardini Hidayat, Asep Munir Hilfanzi, Mendra Holqi, Fikri Gali Fernando Ihsanuddin Ihsanuddin Imilda Imilda, Imilda Iqbal, Taufiq Iradhad Taqwa Sihidi Irawati Irma Farnita, Irma Irmayana Irpani, Ayit Ismail Ismail Ismail Isroqunnajah Izma Daud, Izma Jajat, Dede James, Bobby James, Bobby Arvian Jannah, Hamidatul Jibril, Mohammad Julianto Julianto Khairul Amri Khana, Rajes Kristiawan, Niko Kurniawan, Muhammad Rizky Dwi Kurniawan, Wahyudi Kusuma, Pradana Jati L. Budi Handoko Latifurrahman, Aan Lisnawati, Lica Lita Permata Sari Lusiana, Erda Mabrurrosi, Mabrurrosi Maharani, Shinta Aulia Mahardika Prasetya, Arya Mahmud, Basri Marjuki Marjuki Marliani, Lina Masitha Fahmi Wardhani Maulidya, Rena Mazaya El Banna, Aini Ma’shum, M. Syamsul Ma’arif Miftahul Jannah Millati, Rida Miswar Muammar MUHAJIR Muhamad Ridwan Muhammad Faisal Muhammad Nizar Ramadhan Muhammad Riza Muhammad Wali, Muhammad Muhtadin Mujiburrahman Mujiburrahman Mulyani, Esti Mumtaz, Muhammad Reynaldi Munawir Munawir Muntasir, Muntasir Muttaqin, Muhammad Azhar Nadira, Febriati Nasir Nazariyanti Nisa, Fauzatul Laily Noorkhalilati, Noorkhalilati Nuansah, Unang Nur Aini, Silvi Nur Latifa, Amalia Nuryatimah, Yayat Oki Setiono Pasaribu, Nurliana Perani Rosyani Pernando, Frengki Puji Purwatiningsih, Aris Purwatiningsih, Aris Putra, Zahra Ramadhan Ananda Putri, EE Lailatul Qushary, Muhammad Al R, Jalaluddin Iman Rachman, Muhammad Afif Raditya, Muhammad Riza Rahma Pambudi, Aditya Rahmawati, Cut Ramadhan, Leo Berliandri Ramadhan, Muhammad Lutfi Ridwan, Jauhan Nuari Ridwan, Jauhar Nuari Rijal, Muhammad Rinah Rizal Fahmi Rizal Fauzi Sahruddin, Sahruddin Saputra, Ilyas Sari, Silvia Agustina Wulan Satriani, Desy Septarini, Ri Sabti Setowara, Subhan Setyo Wahyu Sulistyono Shafira, Yulia Siti Ropiah, Eva Sobirin Sobirin Sofyan Subasman, Iman Sugita, Ananda Yasfa Nurhaliza Suhita Whini Setyahuni Sujata, Tatang Suwandana, Endan Syafrinal, Syafrinal Syamsul Huda Syamsul Rizal Syarifuddin Syaripudin, Mohamad Syibli Maufur, Syibli Tampubolon, Parlindungan Tasti, Andi Thalita Thaariq, Ath Triwoelandari, Retno Tundo, Tundo Umyati, Umyati Vania Vania Verra, Lie Wafie, M. Sholeh Wagiman, Wagiman Wahyuni, Neneng Wali , Muhammad Wani, Cut Eva Watekhi Watekhi Wijonarko, Panji Wildanil Ghozi WINARNO Wulan, Diah Retno Yana Syafriyana Hijri Yaqutina Marjani Santosa Yunita Sari yusuf, muhammad maulana ZAHRA, RITA Zahratunnida, Zahratunnida Zain, Zahra Nasywa Zalianti, Nabila Reva Zalianti