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All Journal Laa Maisyir Jurnal Ekonomi Islam Jurnal Tabarru': Islamic Banking and Finance Jurnal Mantik Jurnal Perencanaan Pembangunan Jurnal Ilmiah Edunomika (JIE) JATI (Jurnal Mahasiswa Teknik Informatika) Jurnal Ilmiah Akuntansi Kesatuan Jurnal Pengabdian Masyarakat Multidisiplin Business Economic, Communication, and Social Sciences Journal (BECOSS) Dikmas: Jurnal Pendidikan Masyarakat dan Pengabdian El-Qish: Journal of Islamic Economics Jurnal Teknologi dan Manajemen Industri Terapan Jurnal Ilmu Ekonomi Mulawarman (JIEM) International Journal of Economics and Management Research The Es Economics and Entrepreneurship Innovative: Journal Of Social Science Research International Journal of Management Research and Economics AMMA : Jurnal Pengabdian Masyarakat Kegiatan Positif : Jurnal Hasil Karya Pengabdian Masyarakat Aspirasi : Publikasi Hasil Pengabdian dan Kegiatan Masyarakat Irajagaddhita : Jurnal Pengabdian dan Pemberdayaan Masyarakat Jurnal Pengabdian Masyarakat dan Riset Pendidikan Journal of International Multidisciplinary Research IJMA Economic and Business Horizon INOVASI: Jurnal Ekonomi, Keuangan, dan Manajemen Jurnal Cendekia Ilmiah Aksi Kita: Jurnal Pengabdian Kepada Masyarakat International Journal of Economics and Management Research Jurnal Pengabdian Masyarakat
Akbar Lufi Zulfikar
Universitas Mulawarman
Religion Aerospace Engineering Agriculture, Biological Sciences & Forestry Arts Humanities Astronomy Automotive Engineering Biochemistry, Genetics & Molecular Biology Chemistry Civil Engineering, Building, Construction & Architecture Computer Science & IT Control & Systems Engineering Decision Sciences, Operations Research & Management Earth & Planetary Sciences Economics, Econometrics & Finance Education Electrical & Electronics Engineering Energy Engineering Environmental Science Health Professions Immunology & microbiology Industrial & Manufacturing Engineering Languange, Linguistic, Communication & Media Law, Crime, Criminology & Criminal Justice Materials Science & Nanotechnology Mathematics Medicine & Pharmacology Nursing Public Health Social Sciences Other

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Perception As A Moderating Variable Of The Influence Of Sharia Financial Literacy On The Decision To Become A BSI Customer Rinna Ramadhan Ain Fitriah; Swadia Gandhi Mahardhika; Akbar Lufi Zulfikar; Nurfiza Widayati
Jurnal Teknologi dan Manajemen Industri Terapan Vol. 4 No. I (2025): Jurnal Teknologi dan Manajemen Industri Terapan
Publisher : Yayasan Inovasi Kemajuan Intelektual

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.55826/jtmit.v4iI.834

Abstract

This study is a quantitative study with an explanatory approach, which uses previous research as the primary fuel to elaborate more deeply in this study and add new variations. The data used in this study are primary data that researchers obtained from 250 students throughout Indonesia. The data obtained was analyzed using the innovative PLS 4.0 analysis tool. The result of this article shows that the Sharia Financial Literacy variable can have a positive relationship direction and a significant influence on the decision to become a BSI customer. The P-values ​​in this article are positive and below the significance level of 0.05, namely 0.003. These results indicate that the Sharia Financial Literacy variable can improve students' financial conditions, intelligence, and so on, ultimately affecting the Decision To Become A BSI Customer. In the next row, the Perception variable can also moderate the influence of the Sharia Financial Literacy variable on the Decision To Become A BSI Customer because the P-values ​​are positive and below the significance level of 0.05, namely 0.000, more significant than the direct test, 0.003. Thus, it can be concluded that this article's first and second hypotheses can be accepted.
IMPLEMENTASI MANAJEMEN RISIKO PADA PERBANKAN SYARIAH DI INDONESIA Mahardika, Swadia Gandhi; Zulfikar, Akbar Lufi; Ain Fitriah, Rinna Ramadhan
JURNAL ILMIAH EDUNOMIKA Vol. 8 No. 3 (2024): EDUNOMIKA
Publisher : ITB AAS Indonesia Surakarta

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.29040/jie.v8i3.15108

Abstract

Untuk menjamin stabilitas keuangan dan kepatuhan terhadap prinsip Syariah, perbankan syariah di Indonesia harus menerapkan manajemen risiko. Penelitian ini menyelidiki metode dan masalah manajemen risiko dalam konteks keuangan Islam. Studi ini melihat bagaimana metode manajemen risiko yang sesuai dengan Syariah dikombinasikan dengan metode manajemen risiko konvensional, dengan penekanan pada perubahan yang diperlukan untuk memenuhi persyaratan undang-undang dan sejalan dengan prinsip-prinsip etika Islam. Studi ini juga mengevaluasi seberapa efektif metode yang digunakan pada bank syariah di Indonesia untuk mengidentifikasi, menilai, dan mitigasi risiko, dengan menekankan betapa pentingnya transparansi dan tata kelola untuk mengurangi risiko keuangan. Penelitian ini juga membahas bagaimana badan pengawas berkontribusi pada pengembangan budaya manajemen risiko yang kuat di sektor perbankan syariah untuk meningkatkan ketahanan dan kepercayaan para pemangku kepentingan. Pada akhirnya, penelitian ini memberikan pemahaman yang lebih baik tentang bagaimana bank syariah di Indonesia menangani risiko sambil mempertahankan prinsip Syariah, dan menawarkan wawasan tentang metode manajemen risiko yang paling efektif dalam industri keuangan Islam di seluruh dunia. Kata Kunci: Bank Syariah, Manajemen Risiko, Prinsip Syariah
SOSIALISASI VIDEO PANDUAN PENGGUNAAN APLIKASI MENDELEY UNTUK MAHASISWA Selly Swandari; Akbar Lufi Zulfikar
Jurnal Pengabdian Masyarakat Vol. 2 No. 1 (2025): Pengabdian Masyarakat
Publisher : Jurnal Pengabdian Masyarakat

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.62207/ksymk392

Abstract

Dalam dunia akademis, manajemen referensi yang efektif merupakan aspek penting dalam penulisan ilmiah. Aplikasi Mendeley menjadi solusi utama untuk membantu mahasiswa dalam mengorganisasikan, menyimpan, dan mengutip referensi secara otomatis. Penelitian ini membahas tentang pelaksanaan program sosialisasi penggunaan Mendeley bagi mahasiswa Universitas Mulawarman yang bertujuan untuk meningkatkan pemahaman dan keterampilan mereka dalam manajemen referensi. Metode yang digunakan dalam kegiatan ini meliputi ceramah dan diskusi interaktif, yang ditujukan kepada mahasiswa tingkat akhir. Hasil evaluasi menunjukkan bahwa 90% peserta berhasil memahami dan mengoperasikan Mendeley, meskipun terdapat kendala seperti keterbatasan akses internet dan kompatibilitas perangkat. Pelatihan ini diharapkan dapat membantu mahasiswa dalam mengoptimalkan Mendeley dalam penulisan akademis mereka, sehingga dapat meningkatkan kualitas dan kredibilitas penelitian mereka.
Sosialisasi Central Bank Digital Currency (CBDC) Dalam Perspektif Ekonomi Syariah Swadia Gandhi Mahardika; Akbar Lufi Zulfikar; Rinna Ramadhan Ain Fitriah; Nurfiza Widayati
AMMA : Jurnal Pengabdian Masyarakat Vol. 2 No. 12 : Januari (2024): AMMA : Jurnal Pengabdian Masyarakat
Publisher : CV. Multi Kreasi Media

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Abstract

From a Sharia Economic Perspective, Central Bank Digital Currency is a type of Fintech. The purpose of this socialization is to learn about it. The aim of this community is to study how Sharia places Central Bank Digital Currency as a currency or medium of exchange, and its influence. They will also see whether it is suitable to be used as a medium of exchange. Furthermore, the functions of money such as medium of exchange, standard of deferred payment, store of value, and unit account are adjusted to the value obtained from CBDC tracking and fiqh analysis. This study will investigate the concept of money and its components, as well as whether CBDCs are fair. Apart from that, this community will provide an explanation of Islamic views, especially Sharia views, regarding CBDC as a currency and medium of exchange.
Edukasi Mengenai Keaslian Uang Rupiah Di Kawasan Wisata Gunung Bromo Swadia Gandhi Mahardika; Akbar Lufi Zulfikar; Sugiarto; Abiyajid Bustami
AMMA : Jurnal Pengabdian Masyarakat Vol. 3 No. 5 : Juni (2024): AMMA : Jurnal Pengabdian Masyarakat
Publisher : CV. Multi Kreasi Media

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Abstract

As a symbol of state sovereignty, the Indonesian people must respect and be proud of the rupiah as a legal means of payment. The aim of this outreach is to provide business actors in the Mount Bromo tourist area with in-depth knowledge and understanding of the true characteristics of rupiah currency. This activity was carried out in the Mount Bromo tourist area in East Java. Business actors responded positively to the socialization of the characteristics of real money and fake money. Business people's knowledge and awareness of how to distinguish real money from fake has increased as a result of the outreach campaign. It is hoped that this will help prevent the spread of counterfeit money in society, including in the Mount Bromo tourist area.
Pemanfaatan Pekarangan Rumah Untuk Budidaya Sayuran Sebagai Alternatif Usaha Sampingan Di Desa Loa Janan Ulu Kecamatan Loa Janan Kabupaten Kutai Kartanegara Nurfiza Widayati; Selly Swandari; Akbar Lufi Zulfikar; Indra Maulana; Swadia Gandhi Mahardika
AMMA : Jurnal Pengabdian Masyarakat Vol. 3 No. 9 : Oktober (2024): AMMA : Jurnal Pengabdian Masyarakat
Publisher : CV. Multi Kreasi Media

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Abstract

The use of home gardens for vegetable cultivation in Loa Janan Ulu Village reflects the community's efforts to develop sustainable side businesses. With limited land area in the home gardens, villagers use it efficiently to grow vegetables. This aims to meet family food needs, improve welfare, and create alternative livelihoods. Loa Janan Ulu Village, located in Kutai Kartanegara Regency, has good agricultural potential, but limited land encourages people to use home gardens as fertile fields for various types of vegetables. Cultivating vegetables in home gardens provides double benefits, namely providing a supply of fresh vegetables for daily consumption needs and generating potential additional income through the sale of the harvest. The use of organic and environmentally friendly farming methods is increasingly being implemented by the community, creating a sustainable agricultural system and maintaining the sustainability of the surrounding environment. In addition, vegetable cultivation activities in home gardens also have the potential to increase food security and reduce dependence on supplies from outside the region. With initiatives like this, the people of Loa Janan Ulu Village not only act as consumers, but also as local vegetable producers who can contribute to the development of the local economy. The local government can support this effort by providing agricultural training, access to markets, and other supporting facilities to increase the productivity and sustainability of vegetable cultivation businesses in home gardens. The delivery method used is face-to-face lectures and discussing case studies of preparing business plans in the agricultural sector by visiting the location of the farming business in managing home gardens into a place of business that has economic value directly in Loa Janan, then continued with discussions and questions and answers. The equipment used includes a laptop and a photo camera for taking documentation. The results of this community service activity are expected to increase the income of vegetable farmers and this business will continue to grow and become a business that provides the main income to farmers in Loa Janan Ulu Village, Loa Janan District, Kutai Kartanegara Regency. The results of this vegetable farming business will be sold to the local market and the demand for this vegetable production is very high because it is a complement to the staple food of the local community. With the material on developing vegetable farming businesses to utilize home gardens that has been delivered, it is hoped that PKM participants, namely vegetable farmers, will be able to manage their businesses well so that they get maximum turnover in the future.
Literasi Akad Dan Produk Perbankan Syariah Di SMA Negeri 1 Muara Badak Kabupaten Kutai Kartanegara Rinna Ramadhan Ain Fitriah; Nurfiza Widayati; Akbar Lufi Zulfikar; Swadia Gandhi Mahardika
AMMA : Jurnal Pengabdian Masyarakat Vol. 3 No. 9 : Oktober (2024): AMMA : Jurnal Pengabdian Masyarakat
Publisher : CV. Multi Kreasi Media

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Abstract

This community service aims to provide literacy and knowledge about Islamic banking contracts and products to the students of SMA Negeri 1 Muara Badak, Kutai Kartanegara Regency. This activity is carried out as a form of community service by the Sharia Economics Program of the Faculty of Economics and Business, Mulawarman University. The program lasted for three days, involving seminars and interactive discussions on the principles, contracts, and products offered by Islamic banking. The results of the activity showed an increase in participants' understanding and awareness of the importance of choosing financial institutions that comply with Islamic law, as well as the differences between Islamic and conventional banking. Recommendations include the need for deeper financial education, the use of technology in Islamic financial literacy, and the active role of teachers and parents in strengthening this knowledge.
Edukasi Bahaya Investasi Ilegal Dan Pinjaman Online Ilegal Di Kecamatan Sangatta Kabupaten Kutai Timur Akbar Lufi Zulfikar; Selly Swandari; Swadia Gandhi Mahardika; Priskila Angel
AMMA : Jurnal Pengabdian Masyarakat Vol. 3 No. 10 : November (2024): AMMA : Jurnal Pengabdian Masyarakat
Publisher : CV. Multi Kreasi Media

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Abstract

The success of the implementation of socialization activities about online loans in Sangatta District, East Kutai Regency is due to supporting factors, including: 1. The great desire of the community to know and understand the material on the definition of personal data protection, personal data protection regulations; 2. There is support from leaders in Sangatta District, East Kutai Regency. In the implementation of this activity as a whole, it can reduce inhibiting factors, but these inhibiting factors also arise, including some participants who are not serious because they are not used to sitting for hours so that some shout and talk to each other with other participants, some enter and leave the room without permission.
Pengaruh Belanja Daerah dan Deviden Atas Penyertaan Modal Pemerintah Daerah Terhadap Produk Domestik Regional Bruto dan Desentralisasi Fiskal Kabupaten Kutai Timur Nurfiza Widayati; Selly Swandari; Akbar Lufi Zulfikar
Jurnal Teknologi dan Manajemen Industri Terapan Vol. 3 No. I (2024): Jurnal Teknologi dan Manajemen Industri Terapan
Publisher : Yayasan Inovasi Kemajuan Intelektual

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.55826/jtmit.v5i2.1713

Abstract

Penelitian ini bertujuan untuk menganalisis pengaruh belanja daerah dan dividen atas penyertaan modal pemerintah daerah terhadap Produk Domestik Regional Bruto (PDRB) dan derajat desentralisasi fiskal di Kabupaten Kutai Timur selama periode 2011–2022. Penelitian menggunakan data sekunder time series yang diperoleh dari Badan Pengelola Keuangan dan Aset Daerah, Badan Pendapatan Daerah, dan Badan Pusat Statistik Kabupaten Kutai Timur. Analisis dilakukan melalui dua sub-struktur persamaan untuk menguji hubungan langsung dan tidak langsung antarvariabel. Variabel belanja daerah, dividen, dan PDRB ditransformasi ke dalam logaritma natural, sedangkan derajat desentralisasi fiskal diukur menggunakan rasio Pendapatan Asli Daerah (PAD) terhadap total penerimaan daerah. Hasil penelitian menunjukkan bahwa belanja daerah berpengaruh positif dan signifikan terhadap PDRB, sementara dividen atas penyertaan modal berpengaruh positif tetapi belum signifikan. Pada model derajat desentralisasi fiskal, belanja daerah, dividen, dan PDRB belum menunjukkan pengaruh yang signifikan secara statistik. Temuan ini menunjukkan bahwa instrumen fiskal daerah lebih berperan dalam mendorong aktivitas ekonomi regional daripada dalam meningkatkan kemandirian fiskal daerah. Penelitian ini menegaskan pentingnya peningkatan kualitas belanja publik, optimalisasi kinerja BUMD, dan penguatan basis PAD untuk mendukung pembangunan daerah yang lebih berkelanjutan.
The Impact of Non-Cash Payment Systems on Inflation in Indonesia Akbar Lufi Zulfikar; Selly Swandari; Swadia Gandhi Mahardika; Imelda Veronica Gea
Jurnal Teknologi dan Manajemen Industri Terapan Vol. 5 No. 1 (2026): Jurnal Teknologi dan Manajemen Industri Terapan
Publisher : Yayasan Inovasi Kemajuan Intelektual

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.55826/jtmit.v5i1.1629

Abstract

This study investigates the impact of non-cash payment systems on inflation in Indonesia, focusing on three major instruments: ATM cards, credit cards, and electronic money (e-money). The rapid development of digital payment technologies has transformed consumer behavior and the circulation of money, potentially influencing the country’s inflation dynamics. Using a quantitative research approach and multiple linear regression analysis, this study examines monthly data from 2022 to 2024 to assess how different non-cash transactions affect inflation. The empirical findings reveal that ATM card transactions have a positive and statistically significant effect on inflation, indicating that higher ATM transaction volumes are associated with increased consumer spending. Conversely, credit card transactions demonstrate a negative but significant effect, suggesting that deferred payments may moderate inflationary pressures. Meanwhile, e-money transactions have a negative yet insignificant effect, implying limited influence given their lower transaction volume compared to other instruments. Overall, the results highlight that the impact of non-cash payment systems on inflation varies across payment types and their intensity of use, providing valuable insights for policymakers in managing monetary stability amid the growing digitalization of financial systems.
Co-Authors Abiyajid Bustami Adi Wijaya AF, Rinna Ramadhan Afrizal Muzacki Agus Junaidi Aisyah Tri Andhini Aji Sofyan Effendi Aji Sofyan Effendi Alzahra Zharifa Erwanda Andi Sarmilah Andika Triwardana Andriawan Kustiawan Angelita Sartika Pepayosa Nainggolan Antonius Felix Antonius Felix Arfiah Busari Ariana Arta Moro Sundjaja Aufri Najwan Fazari Aulia Safrina Bella Nur Syifa Syahrul Bustami, Abiyajid Dahlia Permata Sari Dhini Abizah Dhista Dwi Saputri Diana Lestari Dio Caisar Darma Fajri AF , Muh Shadiqul Fajrial Adzikra Felicx Simanjuntak Ferdiansyah Gusti Anggit Yata Zaka Hana Rahmawati Zen Imelda Veronica Gea Imelda Veronica Gea Indra Maulana Indra Maulana Indra Maulana` Indra Maulana Irwan Gani Jasmine Maharani Rahman Kurniawan A, Erwin Kurniawan A., Erwin Maria Aurelia Olivera Bedhi Muh Shadiqul Fajri AF Muhajir Muhajir Muhajir Muhajir Muhammad Ahyar Ma’ali Muhammad Awaluddin Muhammad Keanu Haekal Muhammad Naufal Azhar Muhammad Ridho Wardhana Muhammad Tezar Mursyidah Nursitta Ilmina Nabila Aulia Nini Marlina Nisrina Salsabila Zahra Nurfiza Widayati Nurfiza Widayati Nurfiza Widayati Nurfiza Widayati Nurjanana Nurjanana Priskila Angel Puan Achmad Alisyahbuni Rahcmad Budi Suharto Rahcmad Budi Suharto Rinna Ramadhan Ain Fitriah Saputro, Hendra Rudianto Selly Swandari Shafa Salsabila Siti Amalia Siti Amalia Siti Rohana Sugiarto Swadia Gandhi Swadia Gandhi Mahardhika Swadia Gandhi Mahardika Swadia Indra Maulana Syarifah Nasywa Theresia Militina Theresia Militina Widayati, Nurfiza Widayati, Nurfiza Yuvaraj Ganesan