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All Journal Jurnal Ekonomi & Studi Pembangunan EKOMBIS REVIEW: Jurnal Ilmiah Ekonomi dan Bisnis International Journal of Business Studies ANALISIS - SCIENTIFIC JOURNAL OF ECONOMICS, MANAGEMENT, BUSINESS, AND ACCOUNTING Jurnal Inovasi Penelitian Jurnal REKSA: Rekayasa Keuangan, Syariah dan Audit Jurnal Ar-Ribh Jurnal Pengabdian Teratai Jurnal Pengabdian Mandiri GIAT: Teknologi untuk Masyarakat Jurnal Pengabdian Masyarakat JESKaPe: Jurnal Ekonomi Syariah, Akuntansi dan Perbankan E-Amal: Jurnal Pengabdian Kepada Masyarakat IECON: International Economics and Business Conference Optimum: Jurnal Ekonomi dan Pembangunan
Nurul Hidayah
Universitas Muhammadiyah Sorong
Religion Agriculture, Biological Sciences & Forestry Humanities Computer Science & IT Decision Sciences, Operations Research & Management Economics, Econometrics & Finance Education Energy Engineering Health Professions Languange, Linguistic, Communication & Media Public Health Social Sciences Other

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DISEMINASI HASIL PENELITIAN DAN SOSIALISASI METODE PEMBAYARAN QRIS BAGI PELAKU UMKM KABUPATEN SORONG Hidayah, Nurul; Latifah Dian Iriani; Muhammad Amin
JURNAL PENGABDIAN MANDIRI Vol. 4 No. 1: Januari 2025 (In Press)
Publisher : Bajang Institute

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.53625/jpm.v4i1.9501

Abstract

Kegiatan pengabdian kepada masyarakat ini bertujuan untuk meningkatkan literasi digital pelaku UMKM di Kabupaten Sorong melalui diseminasi hasil penelitian dan sosialisasi metode pembayaran digital QRIS. Dengan melibatkan 303 peserta dari tiga distrik (Salawati, Mayamuk, dan Mariat), program ini menggunakan pendekatan partisipatif yang mencakup presentasi interaktif, diskusi kelompok, dan pelatihan langsung. Hasil menunjukkan adanya peningkatan pemahaman peserta terhadap manfaat QRIS, di mana mayoritas peserta memahami konsep QRIS, dan berencana mengadopsinya dalam bisnis mereka. Dampak kegiatan ini sejalan dengan penelitian terdahulu yang menyoroti pentingnya digitalisasi dalam meningkatkan efisiensi operasional UMKM dan memperluas akses pasar, terutama di daerah tertinggal. Pemberdayaan perempuan sebagai pelaku utama UMKM dalam program ini juga memberikan kontribusi signifikan terhadap pembangunan ekonomi lokal. Kesimpulannya, integrasi literasi digital dan pemberdayaan berbasis komunitas menjadi langkah strategis dalam mendukung transformasi digital UMKM untuk keberlanjutan ekonomi.
Understanding Payment Switching Behavior to QRIS in Southwest Papua: A Push-Pull-Mooring Study Hidayah, Nurul; Iriani, Latifah Dian
Jurnal Ekonomi & Studi Pembangunan Vol. 26 No. 1: April 2025
Publisher : Universitas Muhammadiyah Yogyakarta

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

Abstract

As the global economy changes, it's important to examine why people in Southwest Papua switch from cash to the Quick Response Code Indonesian Standard (QRIS) system. This region is notoriously behind in infrastructure and human development, so studying this area is crucial to expanding the national economy. This study investigates the variables that influence the switching behavior of users in Southwest Papua toward the Quick Response Code Indonesian Standard (QRIS) digital payment. The study investigates the impact of push factors (e.g., perceived trouble, perceived no record for transaction, and difficult to pay cash in large amounts), pull factors (e.g., perceived convenience, promotional benefits, and time saving), and mooring factors (e.g., habit and switching costs) on the transition from cash to digital payments, utilizing the Push-Pull-Mooring (PPM) framework and transaction cost theory. The research utilizes structural equation modeling to analyze QRIS user's patterns in three regions of Southwest Papua Province: Sorong City, Sorong Regency, and Raja Ampat, by using a stratified random sampling method. The results indicate that the adoption of QRIS is significantly influenced by both push and pull factors, with pull factors playing more prominent role. Switching behavior is also significantly influenced by habit while switching costs exhibit a negative influance but statistically insignificant effect. In an effort to expedite the adoption of digital payments in Southwest Papua, these insights provide policymakers and financial institutions with practical advice. They indicate that strategies that emphasize the convenience and advantages of QRIS over cash are more effective in increasing user adoption.
Finance literacy, digital literacy and Micro, Small, Medium Enterprise (MSME) performance Iriani, Latifah Dian; Hidayah, Nurul; Andjar, Febry Jein
Optimum: Jurnal Ekonomi dan Pembangunan Vol. 15 No. 1 (2025)
Publisher : Universitas Ahmad Dahlan

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.12928/optimum.v15i1.11962

Abstract

The low level of female participation in the labor market affects the income gap between men and women. However, the informal sector tends to be of interest to women, especially in the Micro, Small, and Medium Enterprises sector (MSMEs). MSMEs have a very vital role in Indonesia's economic growth. However, the development of MSMEs for women entrepreneurs has obstacles such as low access to business capital and marketing of MSME products. This is influenced by the low level of financial literacy and digital literacy for women in the MSME sector. This paper aims to ascertain the relationship among financial literacy and the performance of women MSMEs specifically with the variable of digital literacy as a moderator. This paper uses primary data through the distribution of questionnaires to women entrepreneurs (MSMEs) in Sorong Regency. The data analysis technique uses Structural Equation Model (SEM) and Partial Least Square (PLS). The results show that financial literacy has positive and significantly affect MSME performance. While, digital literacy has a positive effect on MSMEs performance. In addition, digital literacy has a positive effect in moderating the relationship between financial literacy and MSMEs performance for female entrepreneurs. However, financial literacy is not significantly effect on the performance of MSMEs for women.
Pelatihan Pengolahan dan Pemasaran Keripik Talas DiKelurahan Sawagumu Kota Sorong -, Susetyowati Sofia; -, Rais Dera Pura Rawi; -, Ramli Lewenussa; -, Wisang Candra Bintari; -, Mitta Muthia Wangsih; -, Nurul Hidayah
Jurnal Pengabdian Masyarakat Vol. 1 No. 2 (2022): Oktober : Jurnal Pengabdian Masyarakat
Publisher : Universitas 45 Surabaya

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.30640/abdimas45.v1i2.237

Abstract

Permasalah utama dalam penjualan ubi talas adalah ketika ubi talas panen melimpah, ubi talas tidak terserap oleh pasar, banyak ubi talas yang lama terjual bahkan tidak laku terjual. Tujuan pengabdian kepada masyarakat ini diharapkan para warga yang mengikuti kegiatan pelatihan mampu memproduksi atau mengolah ubi talas menjadi kripik talas yang diminati oleh para konsumen dan mampu menerapkan pemasaran dalam menjual produk. Metode Pelaksanaan Pengabdian, pelaksanaan kegiatan pengabdian dilakukan dengan metode penyuluhan, demostrasi dan praktek. Luaran yang dihasilkan dari pengabdian kepada masayarakat dengan program pelatihan pengolahan dan pemasaran keripik talas di kelurahan Sawagumu ini adalah peningkatan keterampilan pengolahan ubi talas dengan rasa pedas manis dan original.
The Effect of Brand Equity on the Decision of BMT Al-Hijrah Madukoro Financing Customers in Sorong City Hidayah, Nurul; Wangsi, Mitta Muthia; Aprilia, Nina
Jurnal Ar-Ribh Vol 6, No 1 (2023): April 2023
Publisher : Universitas Muhammadiyah Makassar

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.26618/jei.v6i1.10633

Abstract

Baitul Maal Tamwil (BMT) in its business focus contributes to encourage the economic empowerment of local communities. As a non-bank financial institution operating on sharia principles, it is a challenge for it to build brand equity and maximize its role to increase community financial inclusion. BMT Al-Hijrah Madukoro Branch, Sorong City, is an alternative microfinance institution that collects funds and distributes them into sharia financing products for the local community. This study aims to determine the effect of Brand Equity on customer decisions to take financing products at BMT Al-Hijrah Madukoro Branch, Sorong City. Research using Quantitative methods with convenience sampling techniques. The number of samples was 30 BMT Al-Hijrah financing customers. Data is analyzed with simple linear regression. The data was collected through a questionnaire on the google form link and distributed by BMT Al-Hijrah Madukoro Sorong City employees directly to their financing customers. The results show that there is an influence of Brand Equity on the Decision of BMT AL-Hijrah Financing Customers Madukoro Branch Sorong City
PENGARUH LITERASI KEUANGAN DAN GAYA HIDUP TERHADAP MINAT MAHASISWA MENGGUNAKAN PAYLATER (STUDI PADA MAHASISWA UNIVERSITAS MUHAMMADIYAH SORONG) Haiqal, Muhammad Rifqy; Bintari , Wisang Candra; Hidayah, Nurul
ANALISIS Vol. 14 No. 2 (2024): ANALISIS VOL. 14 NO. 02 TAHUN 2024
Publisher : FACULTY OF ECONOMICS AND BUSINESS FLORES UNIVERSITY

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.37478/als.v14i2.4548

Abstract

This research aims to find out whether financial literacy and Lifestye influence students' tendency to use Paylater. The independent variables in this research are financial literacy (X1) and lifestyle (X2), and the dependent variable in this research is interest in using Paylater (Y). This research uses a quantitative approach using descriptive and correlation methods. The sample in this study was taken using non-probability techniques with the Quota Sampling technique. The respondents used in this research were 264 Muhammadiyah Sorong University students who were drawn using the quota sampling technique. The research results show that the independent variables of financial literacy and lifestyle variables have a simultaneous and partial effect on the dependent variable Student interest in using Paylater.
Pelatihan Excel untuk Administrasi dan Manajemen Keuangan Usaha Greenhouse Pesantren di Sorong, Papua Barat Daya Hidayah, Nurul; Latifah Dian Iriani; Muhammad Amin; Faisal Eka Mahendra
GIAT Teknologi untuk Masyarakat Vol. 4 No. 2 (2025): November 2025
Publisher : Program Studi Sistem Informasi Universitas Atma Jaya Yogyakarta

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.24002/giat.v4i2.13082

Abstract

Keterampilan administrasi dan tata kelola keuangan berbasis pencatatan komputasi sederhana menjadi hal yang sangat penting dalam pengelolaan ekonomi pesantren, khususnya bagi pesantren yang memiliki unit usaha greenhouse terintegrasi di bidang hortikultura, hidroponik, dan perikanan. Kendala pada pencatatan administrasi keuangan, pelaporan hasil panen dan pengelolaan data usaha masih dihadapi oleh mitra pengabdian yaitu Pondok Pesantren Raudatul Khuffadz, oleh karena itu kegiatan Pengabdian kepada Masyarakat ini bertujuan memperkenalkan template keuangan ter komputasi berbasis Microsoft Excel dan sistem dashboard manual. Tim PKM yang terdiri atas dosen Fakultas Ekonomi Universitas Muhammadiyah Sorong, didukung BSI Maslahah, memfasilitasi sosialisasi, pendampingan, dan pelatihan penggunaan template Excel untuk mendukung keputusan ekonomi pesantren. Metode participatory training meliputi pendampingan penggunaan teknologi spreadsheet mulai pencatatan pemasukan, pengeluaran, laporan laba-rugi, serta dashboard visual sederhana untuk memantau kinerja bulanan. Hasil kegiatan menunjukkan peningkatan pemahaman administrasi keuangan dan adopsi sistem pencatatan yang aplikatif, sehingga pesantren mampu mengoptimalkan transparansi dan tata kelola ekonomi pesantren berbasis data.
Islamic Financing Risk Identification and Management in a Frontier Sharia Pawn Financing Context Hidayah, Nurul; Adiaman, Andini; Hidayatina
Jurnal Ekonomi Syariah, Akuntansi dan Perbankan (JESKaPe) Vol. 9 No. 2 (2025): Jurnal Ekonomi Syariah, Akuntansi dan Perbankan (JESKaPe)
Publisher : Institut Agama Islam Negeri Lhokseumawe

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.52490/jeskape.v9i2.7005

Abstract

This study examines the identification and management of Islamic financing risks at PT Pegadaian Syariah Klademak Branch in Sorong, Southwest Papua, categorized as frontier (3T) region of Indonesia. A qualitative case study with thematic analysis approach was used to collect data through in-depth interviews with manager, officers and customers along with the document observation and analysis. According to the findings, financing risk can be divided into four main categories: financing, operational, reputational, and compliance. One of the most significant findings concerns financing risk, particularly in the Arum Haji financing product. This demonstrates that financing evaluation techniques that assess religious perspectives rather than a customer's ability to repay debt are considered irrelevant. The study also found that Pegadaian Syariah Klademak has implemented flexible risk management based on Islamic principles, as assessed by its flexible payment settlement process, humanistic communication, proactive reminders to customers to make timely payments, and active monitoring. Customers also trust the institution because they are honest and transparent, particularly in the collateral valuation process. Problems with repayment are generally caused by unstable customer behavior and income. These findings demonstrate the importance of financial literacy and behavioral interventions in Islamic financing risk mitigation and offer empirical insights from a frontier area context, it also provides recommendations for enhancing the effectiveness of risk management while maintaining institutional resilience, financial inclusion, and Sharia compliance.
Sustainable Role of Baitul Mal wat Tamwil in Expanding Islamic Microfinance Inclusion for Marginalized Communities Hidayah, Nurul; Arshad, Noraziah Che; Iriani, Latifah Dian; Rawi, Rais Dera Pua
Jurnal REKSA: Rekayasa Keuangan, Syariah dan Audit Vol. 13 No. 1 (2026)
Publisher : Universitas Ahmad Dahlan

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.12928/jreksa.v13i1.14645

Abstract

This study explores the role of Baitul Mal Wat Tamwil (BMT) in enhancing access to Islamic microfinance for marginalized communities in Sorong, Southwest Papua Province. Using a qualitative case study approach, data was collected through in-depth interviews with managers and clients of three BMTs in Sorong and supplemented with user observations. The findings show that BMTs provide inclusive, Sharia-compliant financing to microenterprises, informal workers, and women-led businesses through flexible contracts such as murabahah, ijarah, qardhul hasan, and hiwalah. They adopt proactive service models and leverage community engagement to strengthen trust and outreach. One notable innovation is the establishment of local Puskopsyah (syariah cooperative-based risk-sharing center), inspired by the Islamic value of ta’awun, offering internal protection against defaults. Despite challenges such as low digital literacy and poor infrastructure, BMTs remain sustainable by relying on member-based capital, contextual product design, and strong social networks. This study contributes to the theoretical discourse on social intermediation in Islamic finance and offers practical insights for replicating community-based Islamic microfinance in other underdeveloped regions. The novelty lies in documenting a grassroots takaful initiative and human-centered financing approach that supports BMT resilience in 3T (frontier, outermost, and underdeveloped) areas. These findings align with the strategic goals of the Regional Committee for Sharia Economy and Finance (KDEKS) to foster an inclusive Islamic financial ecosystem in Papua.
Co-Authors -, Mitta Muthia Wangsih -, Rais Dera Pura Rawi -, Ramli Lewenussa -, Susetyowati Sofia -, Wisang Candra Bintari Adiaman, Andini Agilistya Rahayu Agilistya Rahayu Ahmad Jamil Akmal Ridwan Andhiny Syafridha Jumsar Andjar, Febry Jein Aprilia, Nina Bekti Wiji Lestari Bintari , Wisang Candra Digor Mufti Evi Mufrihah Zain Evi Mufrihah Zain Faisal Eka Mahendra Febri Jein Andjar Haiqal, Muhammad Rifqy Hidayatina Idha Wahyu Riana Latifah Dian Iriani Latifah Dian Iriani Latifah Dian Iriani, Latifah Dian Maulin Adinda Muhammad Amin Muhammad Amin Nahda Inayah Noraziah Che Arshad, Noraziah Che Nugroho Dwi Prihandoko Nur Aeni Waly Nur Aeni Waly Nurhani Nurhani Nurhani Nurhani Prihandoko, Nugroho Dwi Rawi, Rais Dera Pua Retno Dewi Wijiastuti Rokhimah Rokhimah Sofia, Susetyowati Wangsi, Mitta Muthia Wijiastuti, Retno Dewi Wisang Candra Bintari