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All Journal Distribusi Journal of Institution And Sharia Finance Dedikasi: Jurnal Pengabdian Masyarakat Jurnal Pengabdian Masyarakat Bumi Raflesia REKA ELKOMIKA: Jurnal Pengabdian kepada Masyarakat Empowerment : Jurnal Pengabdian Pada Masyarakat Rengganis Jurnal Pengabdian Masyarakat MUSLIMPRENEUR : Jurnal Ekonomi dan Kajian Keislaman Agroteksos Jurnal of Applied Business and Banking (JABB) ProBisnis : Jurnal Manajemen Penamas: Journal of Community Service Jurnal Manajemen dan Bisnis Jurnal Pengabdian Masyarakat Bhinneka Jurnal Manajemen dan Bisnis Jurnal Pepadu Al-DYAS : Jurnal Inovasi dan Pengabdian kepada Masyarakat Bakti Sekawan : Jurnal Pengabdian Masyarakat Jurnal Ilmiah Pengabdian dan Inovasi Jurnal Pengabdian Masyarakat Bangsa Dedication : Jurnal Pengabdian Masyarakat Jurnal Abdi Anjani Al Qardhu Jurnal Ekonomi dan Bisnis Islam Media for Empowerment, Mobilization, and Innovation in Research & Community Journal of Accounting, Management, and Economic Development (JAMED)
Zamroni Alpian Muhtarom
Universitas Mataram
Religion Agriculture, Biological Sciences & Forestry Arts Humanities Biochemistry, Genetics & Molecular Biology Civil Engineering, Building, Construction & Architecture Computer Science & IT Control & Systems Engineering Decision Sciences, Operations Research & Management Economics, Econometrics & Finance Education Electrical & Electronics Engineering Energy Environmental Science Health Professions Industrial & Manufacturing Engineering Languange, Linguistic, Communication & Media Law, Crime, Criminology & Criminal Justice Library & Information Science Mathematics Medicine & Pharmacology Nursing Physics Public Health Social Sciences Other

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Sosialisasi Sadar Wisata dalam Mendorong Partisipasi Masyarakat untuk Pengembangan Pariwisata Berkelanjutan Roodhi, Mohammad Najib; Dakwah, Muhammad Mujahid; Abdurrahman, Abdurrahman; Muhtarom, Zamroni Alpian; Girsang, Zefanya Andryan; Bratayasa, I Wayan; Switrayana, I Nyoman; Nasri, Muhammad Haris
Bakti Sekawan : Jurnal Pengabdian Masyarakat Vol. 5 No. 1 (2025): Juni
Publisher : Puslitbang Sekawan Institute Nusa Tenggara

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.35746/bakwan.v5i1.785

Abstract

This community service activity was carried out with the main objective of increasing public awareness of the importance of tourism awareness as a foundation for achieving sustainable tourism development, particularly in the coastal area of Batu Layar, Senggigi. The activity was implemented using educational and participatory approaches involving more than 20 community partners, consisting of village officials, youth groups, MSME actors, community leaders, and local representatives. The implementation process included several key stages: delivering awareness material, conducting focused group discussions, simulating tourism service practices, and evaluating participants' understanding through pre-test and post-test assessments. The results of the activity showed a significant improvement in participants' understanding of tourism awareness concepts. This was evidenced by evaluation data, where the average pre-test score of 63.2 increased to 84.5 in the post-test. In addition to the cognitive improvements, this activity also resulted in tangible community impact in the form of collective commitments to support sustainable tourism development. Real actions taken by the community included the formation of a tourism awareness group (Pokdarwis), initiation of beach clean-up programs, and digital tourism promotion through social media platforms. This activity demonstrates that a well-designed, interactive, and stakeholder-inclusive socialization strategy can be an effective means of building collective awareness and encouraging active community participation in developing inclusive, competitive, and sustainable tourism destinations.
Penguatan Nilai Sadar Wisata melalui Edukasi Partisipatif bagi Masyarakat Sekitar Pantai Kerandangan dalam Mendukung Daya Tarik Wisata Berbasis Kearifan Lokal Dakwah, Muhammad Mujahid; Roodhi, Mohammad Najib; Abdurrahman, Abdurrahman; Muhtarom, Zamroni Alpian; Girsang, Zefanya Andryan; Baehaqi, Baehaqi; Mulyono, Lalu Edy Herman; Latif, Kurniadin Abd
Bakti Sekawan : Jurnal Pengabdian Masyarakat Vol. 5 No. 1 (2025): Juni
Publisher : Puslitbang Sekawan Institute Nusa Tenggara

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.35746/bakwan.v5i1.794

Abstract

Kegiatan pengabdian kepada masyarakat ini bertujuan untuk memperkuat nilai-nilai sadar wisata di kawasan Pantai Kerandangan, Senggigi, sebagai upaya mendukung pengembangan destinasi wisata berbasis kearifan lokal dan komunitas. Pantai Kerandangan memiliki potensi alam dan budaya yang tinggi, namun belum sepenuhnya dikelola dengan pendekatan yang melibatkan masyarakat secara aktif dan berkelanjutan. Latar belakang kegiatan ini didasarkan pada temuan awal bahwa sebagian besar masyarakat masih belum memahami secara utuh prinsip-prinsip dasar sadar wisata, seperti keamanan, ketertiban, kebersihan, kenyamanan, dan keramahan, yang sejatinya merupakan fondasi penting dalam membangun pengalaman wisata yang berkualitas. Kegiatan dilaksanakan pada 9 Juni 2025 dengan menggunakan pendekatan edukatif-partisipatif, yang menekankan pada keterlibatan aktif masyarakat dalam setiap proses pembelajaran. Empat tahapan utama dilalui, yakni perencanaan, persiapan kegiatan, pelaksanaan, dan evaluasi. Selama kegiatan, peserta mendapatkan materi interaktif, terlibat dalam Focus Group Discussion (FGD) untuk menggali potensi lokal, serta mengikuti simulasi pelayanan wisata berbasis budaya. Evaluasi dilakukan melalui pre-test dan post-test, yang menunjukkan peningkatan signifikan dalam pemahaman peserta, dari rata-rata skor 52,4 menjadi 85,7.Refleksi kelompok di akhir kegiatan memperlihatkan bahwa pendekatan ini efektif tidak hanya dalam meningkatkan pengetahuan, tetapi juga dalam menumbuhkan semangat kolaboratif serta komitmen untuk menjaga dan mempromosikan identitas budaya sebagai daya tarik wisata. Kegiatan ini diharapkan menjadi model yang dapat direplikasi di destinasi lain yang memiliki karakteristik serupa.
Hubungan antara Perencanaan Keuangan dan Literasi Keuangan terhadap Investasi pada Pelaku UMKM di Kabupaten Lombok Tengah Muhtarom, Zamroni Alpian; Anwar, Adrianda; Abdurrahman, Abdurrahman; Roodhi, Mohammad Najib; Genadi, Yeldy Dwi
Al-DYAS Vol 4 No 2 (2025): JUNI
Publisher : Lembaga Yasin AlSys

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.58578/aldyas.v4i2.6237

Abstract

Micro, Small, and Medium Enterprises (MSMEs) contribute significantly to economic growth in Indonesia, particularly in Central Lombok Regency. However, longstanding issues such as weak financial planning and low financial literacy pose major obstacles in business management and effective investment decision-making. This study aims to examine the relationship between financial planning and financial literacy on the investment decisions of MSME actors. A quantitative approach was employed through a survey of 100 MSME actors in Central Lombok. Data were analyzed using multiple linear regression. The results indicate a significant influence of financial literacy and financial planning on the investment decisions of MSME actors. These findings have important implications for local governments and financial institutions in designing more targeted financial education programs to support MSME development.
Membangun Fondasi Keuangan yang Kokoh: Workshop Literasi Keuangan untuk Guru Madrasah Nurul Haq, Lombok Tengah Jumaedi, M.; Muhtarom, Zamroni Alpian; Budiman, Budiman; Wafik, Ahmad Zaenal; Ilham, M. Rozi Fatwa
Al-DYAS Vol 5 No 1 (2026): FEBRUARI
Publisher : Lembaga Yasin AlSys

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.58578/aldyas.v5i1.7933

Abstract

Financial literacy is an essential skill that directly influences individual well-being and quality of life, including within the educational context. As agents of change, madrasah teachers hold a strategic role in instilling literacy values in students; however, they continue to face challenges in managing personal finances due to limited income and low financial awareness. This community engagement initiative aimed to enhance the financial literacy of teachers at Madrasah Nurul Haq, Central Lombok, through an interactive workshop held on 11 June 2025, involving 20 participants. The implementation methods included socialization, material presentation, guided discussions, financial planning training, introduction to the myIFPE Syariah application, and evaluation through pre-test and post-test assessments. The results indicate an average increase of approximately 50% in participants’ financial literacy scores after the training. Participants responded positively to the content, considering it relevant, applicable, and beneficial for managing personal and household finances. Challenges such as limited access to digital devices and varying levels of digital literacy were effectively addressed through intensive mentoring and the provision of spreadsheet-based alternatives. This initiative proved effective in raising financial awareness and enhancing teachers’ financial management capacity and is recommended to be continued through the establishment and strengthening of financial literacy groups within the madrasah environment.
Literasi Keuangan Pada Masayarakat Penerima Manfaat Program Keluarga Harapan Desa Perigi Kecamatan Gerung Kabupaten Lombok Barat Azzahroh, Evrita Putri; Saleh, Hendri; Widiaty, Eny; Alim, Sahirul; Milawati, Nurfazila; Zaini, Muh; Fathanah, Fani; Ulfa, Rahmatin; Hasanah, Ratu Nastriyah Mu'minatul; Muhtarom, Zamroni Alpian
Jurnal Pengabdian Masyarakat Bhinneka Vol. 4 No. 2 (2025): Bulan November
Publisher : Bhinneka Publishing

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.58266/jpmb.v4i2.726

Abstract

Kemampuan literasi keuangan merupakan keterampilan penting yang harus dimiliki setiap orang untuk mencapai kesejahteraan ekonomi yang berkelanjutan. Rendahnya kemampuan masyarakat dalam mengelola keuangan rumah tangga, terutama dalam membedakan antara kebutuhan dan keinginan, masih menjadi permasalahan utama bagi penerima manfaat Program Keluarga Harapan (PKH). Kegiatan pengabdian kepada masyarakat ini bertujuan untuk meningkatkan pengetahuan, sikap, dan keterampilan masyarakat penerima PKH di Kampung Perigi, Kecamatan Gerung, Kabupaten Lombok Barat, dalam mengelola keuangan keluarga secara bijak. Metode yang digunakan meliputi ceramah, diskusi interaktif, permainan edukatif, serta evaluasi melalui pretest dan posttest. Hasil kegiatan menunjukkan peningkatan pemahaman peserta terhadap konsep literasi keuangan dasar, pengelolaan pendapatan, perencanaan anggaran, dan pentingnya menabung. Evaluasi posttest memperlihatkan adanya peningkatan signifikan dibandingkan hasil pretest, menunjukkan efektivitas kegiatan dalam menumbuhkan kesadaran finansial. Respon masyarakat juga sangat positif, terlihat dari antusiasme selama pelaksanaan kegiatan. Dengan demikian, kegiatan ini berkontribusi nyata dalam membangun perilaku finansial yang lebih bijak dan mendukung peningkatan kesejahteraan keluarga penerima manfaat PKH di wilayah tersebut.
The Impact of Financial Technology (Fintech) Peer-to-Peer Lending Literacy and Inclusion on MSME Financing Decisions in the Mandalika Special Economic Zone Alpian Muhtarom, Zamroni; Andryan Girsang, Zefanya; Najib Roodhi, Mohammad; Dewi Kuntary Ibrahim, Isra; Safitri, Dhanny
Journal of Institution and Sharia Finance Vol. 8 No. 2 (2025): DESEMBER
Publisher : Program Studi Perbankan Syariah, IAIN Palopo

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.24256/joins.v8i2.8319

Abstract

This study aims to analyze the influence of financial literacy and financial inclusion through peer-to-peer (P2P) lending fintech on the financing decisions of Micro, Small, and Medium Enterprises (MSMEs) in the Mandalika Special Economic Zone (SEZ). The research employs a descriptive quantitative method using Partial Least Squares (PLS) with a Structural Equation Modeling (SEM) approach, involving 210 MSME respondents. The findings indicate that both independent variables have a positive and significant effect on financing decisions. However, financial inclusion exerts a more dominant influence than financial literacy, as reflected in its higher t-statistics and path coefficients. These results suggest that ease of access to digital financial services plays a crucial role in strengthening MSME financing decisions. Therefore, enhancing financial literacy and promoting the use of inclusive financial technologies are expected to expand financing access and stimulate local economic growth.
Implementasi Digital Marketing dalam Model Pembelajaran Santripreneur untuk Meningkatkan Kemandirian Ekonomi Santriwati Pasca-Pesantren Mohammad Najib Roodhi; Gilang Primajati; Zamroni Alpian Muhtarom; Kurnia, Juan; Ghina Aurelia Rachman
Rengganis Jurnal Pengabdian Masyarakat Vol. 5 No. 2 (2025): November 2025
Publisher : Pendidikan Matematika, FKIP Universitas Mataram

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.29303/rengganis.v5i2.942

Abstract

This community service activity focuses on the implementation of the digital marketing aspect of the Santripreneur learning model based on digital technology and financial literacy for female students at Madrasah Aliyah Putri Hikmatusysyarief NWDI Salut, West Lombok. The training is designed to improve the skills of female students in product promotion, branding, and online marketing through the use of digital platforms such as Instagram, WhatsApp Business, and the live practice site https://hiksypreneur.site/. Activities include socialization, technical training, marketing content practice, and evaluation of success through a pre-post test survey. The results show an increase in the ability of female students in creating digital content (+78%), managing business accounts (+72%), and understanding online marketing strategies (+81%). The application of digital marketing has proven to be an effective means of fostering economic independence after Islamic boarding school through strengthening business identity and technology-based market access.
Penguatan Literasi Anak Usia Dini Melalui Penyediaan Buku Bacaan Edukatif Cahyaningrum, Dinis; Hasany, Tifani Dame; Safitri, Dhanny; Muhtarom, Zamroni Alpian; Girsang, Zefanya Andryan
Dedication : Jurnal Pengabdian Masyarakat Vol 10 No 1 (2026)
Publisher : LPPM Universitas PGRI Argopuro Jember

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.31537/dedication.v10i1.3055

Abstract

Early childhood literacy is a fundamental foundation for supporting children’s language, cognitive, social, and emotional development. However, limited literacy facilities, particularly the availability of educational reading books appropriate to children’s developmental stages, remain a challenge in several preschool (PAUD) institutions. This community service activity aimed to strengthen preschool literacy through the provision of educational reading books at TK Maca Pasir Putih, Pemenang District, North Lombok Regency. The activity was implemented participatively in three stages: preparation (observation and discussion with partners), implementation (provision and utilization of educational books in learning activities), and evaluation (observation and discussion with teachers). The results indicated an increase in children’s reading interest and engagement in literacy activities. Children showed greater enthusiasm in reading, storytelling, and vocabulary recognition. Teachers also stated that the books supported daily lesson plans (RPPH), enabling better integration of literacy into thematic learning. Overall, this activity contributed positively to improving the quality of preschool.
Optimalisasi Perencanaan Keuangan melalui Pasar Modal pada Mahasiswa Politeknik Pariwisata Lombok Adrianda Anwar; Nila Rahayu; Yeldy Dwi Genadi; I.G.A Arista Pradnyani; Zamroni Alpian Muhtarom
Jurnal Abdi Anjani Vol 3 No 2 (2025): Jurnal Abdi Anjani (JAA)
Publisher : Program Studi Pariwisata, Fakultas Ekonomi dan Bisnis,Universitas Mataram

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.29303/anjani.v3i2.2578

Abstract

Tingkat literasi keuangan di kalangan mahasiswa masih tergolong rendah, terutama dalam hal perencanaan keuangan jangka panjang dan pemanfaatan instrumen investasi yang legal serta produktif. Mahasiswa Politeknik Pariwisata Lombok sebagai calon pelaku industri pariwisata perlu dibekali kemampuan mengelola keuangan pribadi secara bijak agar mampu menghadapi dinamika ekonomi di masa depan. Kegiatan pengabdian masyarakat ini bertujuan meningkatkan pengetahuan dan keterampilan mahasiswa dalam menyusun perencanaan keuangan melalui pemanfaatan pasar modal. Kegiatan dilaksanakan pada 07 Mei 2025 oleh tim dosen Politeknik Pariwisata Lombok bekerja sama dengan Bursa Efek Indonesia (BEI) dan NH Korindo Sekuritas Indonesia. Metode pelaksanaan meliputi ceramah interaktif, pelatihan simulasi investasi, diskusi kelompok, dan pendampingan penyusunan rencana keuangan pribadi. Hasil kegiatan menunjukkan peningkatan signifikan dalam pemahaman mahasiswa terhadap konsep investasi, perubahan perilaku keuangan, serta munculnya motivasi untuk berinvestasi secara bertanggung jawab. Selain itu, kegiatan ini mendorong terbentuknya Galeri Investasi Syariah Bursa Efek Indonesia sebagai wadah edukasi berkelanjutan di kampus. Secara keseluruhan, kegiatan ini menegaskan pentingnya kolaborasi antara perguruan tinggi dan industri keuangan dalam membangun budaya literasi finansial di kalangan generasi muda
The Urgency of Islamic Investment Literacy in Managing Muslim Personal Finance Zamroni Alpian Muhtarom; Adrianda Anwar; Abdurrahman Abdurahman; Mohammad Najib Roodhi
Journal of Accounting, Management, and Economic Development Vol. 1 No. 1 (2025): March, 2025
Publisher : CV. Abhinaya Indo Group

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

Abstract

The Islamic finance industry has demonstrated positive growth trends in Indonesia. However, the level of literacy regarding Islamic investment remains relatively low, especially among Muslim individuals. A limited understanding of Sharia-compliant investment principles and instruments has led to suboptimal financial decisions that may conflict with Islamic values. This study aims to explore the urgency of Islamic investment literacy within the context of personal financial management for Muslims and to identify key challenges and strategies for improvement. Employing a qualitative approach through literature analysis, this article examines the concepts of financial literacy in Islamic perspective, types of Sharia-compliant investment instruments, and factors influencing individuals’ understanding of Islamic investment products. The findings reveal that Islamic investment literacy is not only an economic necessity but also a spiritual obligation grounded in the Maqāṣid al-Sharīʿah, especially the principle of safeguarding wealth (ḥifẓ al-māl). The study recommends that stakeholders—governments, financial institutions, and educational bodies—collaborate to develop structured and sustainable strategies for enhancing Islamic financial literacy
Co-Authors Abdurahman Abdurrahman Abdurrahman Abdurahman Abdurrahman Abdurrahman Adika Paranata Adrianda Anwar Adrianda Anwar Adrianda Anwar Ahmad Zainal Wafik Akbar Adiguna Alim, Sahirul Anwar, Adrianda Apriadi, Apriadi Azzahroh, Evrita Putri Baehaqi Baehaqi Baiq Handayani Rinuastuti Baiq Handayani Rinuastuti, Baiq Handayani Busman, Sherwin Ary Denik Tirtaningrum, I Dewa Ayu Devitha Meyra Wulandari Dewi Kuntary Ibrahim, Isra Dhanny Safitri Didy Ika Supryadi Dimas Firmansyah Dimas Pratomo Dinis Cahyaningrum Faizin, Mu'adil Fathan Prayana Putra Fathanah, Fani Febriyanti, Kadek Ayu Fhiratullah, Aditya Genadi, Yeldy Dwi Ghina Aurelia Rachman Gilang Primajati Halimatuzzahrah Hammad, Rifqi Hasanah, Ratu Nastriyah Mu'minatul Herman, Lalu Edy Himawan Sutanto I Gusti Agung Arista Pradnyani, I Gusti Agung Arista I Gusti Anindita Hendryanadewi I Nyoman Switrayana I Wayan Bratayasa I.G.A Arista Pradnyani I.G.A. Arista Pradnyani Ibrahim, Isra Dewi Kuntary Ilham, M. Rozi Fatwa Indira Tri Prajarani Intan Permata Hati Jumaedi, M. Kurnia, Juan Kurniadin Abd Latif Kusmayadi, Iwan Lale Haydi Megaviana Lestari Ujianto, Lestari Milawati, Nurfazila Mohammad Najib Roodhi Muhammad Haris Nasri Muhammad Mujahid Dakwah Nazwin, Asfarony Hendra Ni Wayan Adelia Mutiara Asri Nila Rahayu Nila Rahayu Nila Rahayu Putra, Taufan Handika Putri, Dwi Noorma Rahayu, Nila Rahmat Jayadi Rifqi Muhammad Rio Abadi Gunawan Riska Dwi Lestari sahirul alim Saleh, Hendri Sherwin Ary Busman Sherwin Ary Busman Siti Maziah Abu Talib Suhaemi Hilmi Suliartini, Ni Wayan Sri Suprayetno, Djoko Suud Sarim Karimullah Tifani Dame Hasany Triwibowo, Ananto Ulfa, Rahmatin Wafik, Ahmad Zaenal Widiaty, Eny Yeldy Dwi Genadi Yeldy Dwi Genadi Zaini, Muh Zaulkarnaen Zefanya Andryan Girsang Zefanya Andryan Girsang