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All Journal GUYUB: Journal of Community Engagement Jurnal Abdimas Ilmiah Citra Bakti (JAICB) Journal of Community Development AJAD : Jurnal Pengabdian kepada Masyarakat Share: Jurnal Ekonomi dan Keuangan Islam Jurnal Manajemen JURIS (Jurnal Ilmiah Syariah) Andromeda : Jurnal Manajemen dan Bisnis Syariah kawanad
Pertiwi Utami
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Islamic Banking Loyalty in Indonesia: The Role Brand Image, Promotion, and Trust Basrowi Basrowi; Juhary Ali; Tulus Suryanto; Pertiwi Utami
Share: Jurnal Ekonomi dan Keuangan Islam Vol 12, No 1 (2023)
Publisher : Faculty of Islamic Economics and Business, Universitas Islam Negeri Ar-Raniry

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.22373/share.v12i1.15338

Abstract

This study aims to investigate the impact of brand image and promotion on customer loyalty in Islamic banking in Indonesia, with trust serving as a moderator variable. Specifically, the research aims to accomplish two objectives: (1) to examine the direct influence of brand image and promotion on trust and customer loyalty and (2) to investigate the indirect effect of brand image and promotion on customer loyalty through trust. The data were collected from 150 customers of Bank Syariah Indonesia, located in Jakarta Lenteng Agung Branch. To ensure the robustness of its findings, a rigorous quantitative analysis was conducted, utilizing structural equation modeling (SEM) and Smart PLS 3.3. The results indicate that each of the investigated variables holds statistical significance. In particular, it also reveals a partial direct relationship of brand image and promotion on trust. Moreover, the findings suggest that brand image and promotion have a significant influence on customer loyalty, either directly or indirectly through trust. Additionally, the study demonstrates a clear association between trust and customer loyalty. One of the original contributions of this study is the identification of trust's substantial mediating role in the relationship between brand image and promotion on customer loyalty at Bank Syariah Indonesia, Jakarta Lenteng Agung Branch.========================================================================================================ABSTRAK – Loyalitas Nasabah pada Perbankan Syariah di Indonesia: Peran Citra Merek, Promosi, dan Kepercayaan. Tujuan pada penelitian ini adalah untuk menganalisis pengaruh citra merek dan promosi terhadap kepercayaan, dimana kepercayaan sebagai moderatornya. Secara khusus, kajian ini mengkaji: 1) pengaruh citra merek dan promosi terhadap kepercayaan dan kepuasan pelanggan, dan 2) pengaruh tidak langsung dari citra merek dan promosi terhadap loyalitas pelanggan yang dimoderasi oleh kepercayaan. Data primer diperoleh melalui survey kepada 150 sampel nasabah pada Bank Syariah Indonesia KCP Jakarta Lenteng Agung. Untuk melakukan analisis kuantitatif yang bagus, kajian ini menggunakan pendekatan structural equation modeling (SEM) dan Smart PLS 3.3. Temuan kajian menunjukkan bahwa masing-masing variabel yang diteliti secara statistik menghasilkan nilai yang signifikan. Secara parsial, ada hubungan langsung antara citra merek dan promosi terhadap kepercayaan. Faktor-faktor tersebut juga berpengaruh signifikan terhadap loyalitas pelanggan, baik secara langsung maupun tidak langsung melalui kepercayaan. Selain itu, penelitian ini juga menunjukkan adanya hubungan yang nyata antara kepercayaan dan loyalitas pelanggan. Penelitian ini berkontribusi dalam mengidentifikasi signifikansi fungsi mediasi dari variabel kepercayaan pada hubungan antara citra merek dan promosi terhadap loyalitas pelanggan Bank Syariah Indonesia KCP Jakarta Lenteng Agung.
The Role of Muslim Generation Community at Zakat Collection on Realizing Sustainable Development Goals (SDGs) in the Era of Digital Society 5.0 Rizal Rizal; Ruslan Abdul Ghofur; Pertiwi Utami
JURIS (Jurnal Ilmiah Syariah) Vol 22, No 1 (2023)
Publisher : Institut Agama Islam Negeri Batusangkar

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.31958/juris.v22i1.6562

Abstract

The large potential of zakat funds can support the government’s efforts in alleviating poverty. However, its management has not been seen optimally even though BAZNAS has been designated as the official agency and the only non-structural government agency that manages zakat. This study aims to investigate the important role of the human generation who are members of the Muslim community in collecting zakat at the BAZNAS in the era of digital society 5.0 to realize the SDGs. This study uses a literature study method with library data collection techniques, reading and taking notes, and managing research materials by tracing written sources that have been previously written. This study uses content analysis techniques to obtain written information that focuses on four dimensions, namely human generation, Muslim community, zakat collection, and sustainable development goals. The findings reveal that two generations of humans are members of the Muslim community that have the potential to increase zakat collection. Deeper, Maqāṣid shari’āh as the essence of Islamic law through the values of justice, freedom, and human rights of the Muslim community will support the goal of collecting zakat. The novelty of this research found that building the strength and glory of BAZNAS in the era of digital society 5.0 requires strong social ties from the entire Muslim generation community, especially the younger generation community. The main contribution of this research highlights the ‘zakat movement’ led by BAZNAS to pay more attention to the role of the millennial Muslim generation community and iGeneration in supporting zakat empowerment programs to realize Sustainable Development Goals.
PENDAMPINGAN EDU-TECHNOPRENEURSHIP BERBASIS AI PADA SANTRI PP AL-MUBAROK DENGAN PENDEKATAN NEURO COACHING MENUJU DAYA SAING DAN READINESS CAREER OPTION Basrowi; Endang Purwaningsih; Pertiwi Utami; Yoga Mahendra
Jurnal Abdimas Ilmiah Citra Bakti Vol. 5 No. 3 (2024)
Publisher : STKIP Citra Bakti

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.38048/jailcb.v5i3.3815

Abstract

Permasalahan utama yang dihadapi oleh santri di PP Al-Mubarok adalah keterbatasan akses terhadap teknologi dan sumber daya kewirausahaan, serta kurangnya personalisasi dalam pembelajaran yang menghambat perkembangan keterampilan yang relevan dengan kebutuhan industri masa kini. Menggabungkan konsep edu-technopreneurship berbasis AI dengan pendekatan neuro coaching merupakan kombinasi antara pendidikan, teknologi, dan kewirausahaan yang memungkinkan para santri untuk mengembangkan keterampilan dan pengetahuan yang dibutuhkan dalam dunia digital saat ini. Oleh karena itu, PKM ini penting untuk dilakukan guna mengeksplorasi bagaimana pendampingan edu-technopreneurship berbasis AI dengan pendekatan neuro coaching dapat diimplementasikan secara efektif di lingkungan pesantren. Metode pelaksanaan kegiatan berupa pendampingan edu-technopreneurship berbasis ai pada santri PP Al-Mubarok dengan pendekatan neuro coaching. Hasil PkM menunjukkan pendampingan edu-technopreneurship berbasis AI dengan pendekatan neuro coaching memberikan dampak positif dalam mempersiapkan santri PP Al-Mubarok untuk menghadapi tantangan dunia kerja di era digital. Integrasi AI dalam proses pembelajaran dan pengembangan kewirausahaan terbukti memberikan nilai tambah, seperti akses informasi yang lebih luas, peningkatan efisiensi produksi, dan kemampuan menganalisis data pasar secara lebih baik. Sementara itu, pendekatan neuro coaching berperan penting dalam memfasilitasi proses belajar santri, mengembangkan keterampilan berpikir kritis, dan membangun resiliensi dalam menghadapi tantangan kewirausahaan.
Penguatan Implementasi Risk Register dalam Manajemen Risiko Retakaful: Kegiatan Sosialisasi dan Pengembangan di Reindo Syariah Reza Ronaldo; Yul Maulini; Pertiwi Utami; Mutiara Putri
Journal of Community Development Vol. 7 No. 1 (2026): August
Publisher : Indonesian Journal Publisher

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.47134/comdev.v7i1.1925

Abstract

Kegiatan pengabdian kepada masyarakat ini bertujuan untuk memperkuat pemahaman dan kapasitas praktis sumber daya manusia Reindo Syariah dalam mengimplementasikan risk register sebagai instrumen utama manajemen risiko pada perusahaan retakaful. Industri takaful dan retakaful menghadapi kompleksitas risiko yang semakin meningkat, baik risiko underwriting, operasional, investasi, kepatuhan, reputasi, maupun risiko ketidakpatuhan syariah. Dalam konteks tersebut, risk register berperan penting sebagai alat dokumentasi, pemetaan, penilaian, mitigasi, dan pemantauan risiko secara terstruktur. Kegiatan ini dilaksanakan pada bulan November 2025 di Kantor Reindo Syariah, Graha RSI, Jakarta Timur, dengan narasumber Dr. Reza Ronaldo. Metode kegiatan meliputi sosialisasi, penyampaian materi, diskusi interaktif, dan simulasi penyusunan risk register berbasis kasus retakaful. Hasil kegiatan menunjukkan bahwa sosialisasi risk register mampu meningkatkan pemahaman peserta mengenai pentingnya identifikasi risiko, penilaian kemungkinan dan dampak, penetapan mitigasi, serta penunjukan risk owner. Kegiatan ini juga mendorong kesadaran bahwa manajemen risiko retakaful tidak hanya bersifat teknis-finansial, tetapi juga harus terintegrasi dengan prinsip syariah, tata kelola, dan perlindungan kepentingan peserta. Dengan demikian, kegiatan ini memberikan kontribusi praktis bagi penguatan budaya risiko, tata kelola risiko syariah, dan kesiapan implementasi manajemen risiko yang lebih sistematis pada perusahaan retakaful.
Kepemimpinan Transformasional Perguruan Tinggi dalam Meningkatkan Mutu Lulusan Melalui Penguatan Tata Kelola Berbasis Ekonomi Islam di Universitas Kepanjen Malang Bambang Suryanto; Tulus Suryanto; Pertiwi Utami
MAMEN: Jurnal Manajemen Vol. 5 No. 2 (2026): April 2026
Publisher : Yayasan Literasi Sains Indonesia

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.55123/mamen.v5i2.7829

Abstract

The quality of graduates is one of the key indicators of a university’s success in delivering education. Efforts to improve graduate quality cannot be separated from the role of effective leadership and well-implemented governance. Transformational leadership and Islamic economic-based governance are considered important approaches that can enhance higher education management and produce competent graduates. This study aims to examine the implementation of transformational leadership at Kepanjen University Malang, analyze the application of Islamic economic-based governance in improving graduate quality, and explore the outcomes of transformational leadership implementation through strengthening Islamic economic-based governance at the university.This research employed a qualitative approach with a case study design. Data were collected through interviews, observations, and documentation. The informants consisted of university leaders, lecturers, administrative staff, and students. Data analysis was conducted through data reduction, data display, and conclusion drawing, while data validity was ensured through source and method triangulation. The findings show that transformational leadership at Kepanjen University Malang is implemented through the development of vision, motivation, and competency improvement of the academic community. Islamic economic-based governance is applied by integrating values such as trustworthiness (amanah), honesty, justice, transparency, and responsibility in institutional management and learning processes. The combination of these approaches contributes positively to improving graduates’ academic competence and Islamic character. This study employed a qualitative approach with a case study research design. Data were collected through interviews, observations, and documentation. The informants of this research consisted of university leaders, lecturers, administrative staff, and students. Data analysis was carried out through data reduction, data display, and conclusion drawing. Meanwhile, data validity was tested through source triangulation and method triangulation. The results of the study indicate that: (1) the implementation of transformational leadership at Kepanjen University Malang is carried out through providing vision, motivation, and the development of academic community competencies in improving the quality of education; (2) the implementation of Islamic economic-based governance is conducted by integrating Islamic values such as trustworthiness (amanah), honesty, justice, transparency, and responsibility in institutional management and learning processes; and (3) the implementation of transformational leadership supported by Islamic economic-based governance has a positive impact on improving the quality of graduates, both in terms of academic competence and character building based on Islamic values
DAMPAK PERUBAHAN IKLIM TERHADAP PENDAPATAN PETANI SERTA PERAN EKONOMI SYARIAH DALAM MENDUKUNG KETAHANAN EKONOMI DI KABUPATEN TANGGAMUS Dedi Rosadi; Mutiara Eka Putri; Pertiwi Utami
Andromeda : Jurnal Manajemen dan Bisnis Syariah Vol. 4 No. 1 (2026): Jurnal Andromeda
Publisher : Program Studi Manajemen Bisnis Syariah

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.24260/85mvkk22

Abstract

This study aims to analyze the impact of climate change on farmers’ income, compare income conditions before and after climate change, and examine the role of Islamic economic principles in supporting farmers’ economic resilience in Tanggamus Regency. Climate change, characterized by unpredictable rainfall patterns, rising temperatures, and increasing extreme weather events, has significantly affected the agricultural sector, which is highly dependent on natural conditions. This study employs a qualitative method with a descriptive approach, where data were collected through in-depth interviews with farmers, agricultural extension officers, traders, farmer group leaders, and related government officials. Data analysis techniques include data reduction, data presentation, and systematic conclusion drawing. The results indicate that climate change negatively affects farmers’ income through decreased productivity, increased production costs, and price instability of agricultural products. Furthermore, there is a significant difference in farmers’ income conditions before and after climate change, where income was previously relatively stable but has become more fluctuating and declining afterward. In the context of economic resilience, Islamic economic principles such as profit-sharing, prohibition of riba (interest), mutual assistance (ta’awun), and instruments like zakat, infaq, and sadaqah play an important role in helping farmers cope with economic pressures. However, the implementation of these principles is still not optimal due to limited access, low financial literacy, and insufficient institutional support.
Meningkatkan Daya Saing dan Kesiapan Kerja Santri melalui Edutechnopreneurship Berbasis AI dengan Pendekatan Neurocoaching Pertiwi Utami; Umi Khulsum; Sinta Ayu Purnamasari; Basrowi Basrowi
AJAD : Jurnal Pengabdian kepada Masyarakat Vol. 5 No. 3 (2025): DECEMBER 2025
Publisher : Divisi Riset, Lembaga Mitra Solusi Teknologi Informasi (L-MSTI)

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.59431/ajad.v5i3.667

Abstract

This community engagement program sought to strengthen the competitiveness and work readiness of 30 Islamic boarding school students through AI-based edutechnopreneurship supported by a neurocoaching approach. The program addressed key challenges faced by pesantren, including limited vocational skills, low digital literacy, and lack of entrepreneurial mindset among students. Activities included training in halal bakery production, AI-assisted digital marketing, and Sharia-compliant business bookkeeping, implemented through a Participatory Action Research (PAR) framework. The integration of hands-on practice and neurocoaching reinforced students' growth mindset, motivation, and entrepreneurial skills. Pre-post assessments revealed that 86.7% of participants achieved competency across technical, digital, and managerial domains, surpassing the initial target of 80%. Outcomes included enhanced vocational abilities in bakery production, improved digital marketing capacity through social media and e-commerce platforms, better understanding of Sharia financial recording, and the establishment of a small-scale bakery unit. This unit serves as a foundation for advancing pesantren-based economic empowerment and provides a sustainable business model for future replication in similar Islamic educational institutions.
Penguatan Kolaborasi Ekonomi dan Bisnis Perantau Indonesia di Malaysia melalui Pendekatan FGD dalam Kegiatan Majlis Himpunan Erat Dagang Malaysia–Indonesia Reza Ronaldo; Umi Khulsum; Meilia Risna; Pertiwi Utami; Ferliansyah Zais; Risen Anugrah Ramatullah; Laila Subra; Kiara Basmala Putri; Muhammad Sunni Setiyo
AJAD : Jurnal Pengabdian kepada Masyarakat Vol. 5 No. 3 (2025): DECEMBER 2025
Publisher : Divisi Riset, Lembaga Mitra Solusi Teknologi Informasi (L-MSTI)

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.59431/ajad.v5i3.676

Abstract

This international community service program (PKM) aimed to strengthen economic and business collaboration between Indonesian diaspora entrepreneurs in Malaysia and academic institutions in Indonesia. Implemented through a Focus Group Discussion (FGD) approach on August 23–24, 2025, at the Dewan Majlis Perundingan Melayu (MPM), Kuala Lumpur, the program involved 120 participants representing Indonesian universities, the Malaysia International Marketing & Trade Chamber (MIMTC), Persatuan Anak Rantau Indonesia (PARI) Malaysia, and GEO Artha Holding Sdn. Bhd. The program’s success indicators included the signing of 14 Memoranda of Understanding (MoU), the establishment of the ASEANACA Business & Research Council, and measurable improvements in participants’ understanding of business legality, digital literacy, and cross-border collaboration strategies. Post-FGD evaluation showed that 78% of participants gained new business partners, while 65% reported increased knowledge of Malaysian business regulations. Overall, the program generated direct impacts in expanding diaspora MSME networks, strengthening academic diplomacy, and enhancing the economic resilience of Indonesian migrant communities in Malaysia. This initiative reflects a concrete contribution to the internationalization of community service within the framework of the Tri Dharma of Higher Education.
Strengthening the Sharia Economy for the Indonesian Diaspora in Malaysia through the Strategic Collaboration of PARI, ASEANACA, and MIMTC in the Nusantara Trade Exploration Program M Djidin; Meilia Risna; Umi Khulsum; Pertiwi Utami; Tejo Waskito; Ghasem Muhammadi; Ashabinur Adam Maulana; Abdul Aziz
Kawanad : Jurnal Pengabdian kepada Masyarakat Vol. 5 No. 1 (2026): March
Publisher : Yayasan Kawanad

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.56347/kjpkm.v5i1.412

Abstract

This international Community Service (PKM) program aims to strengthen the sharia economic capacity of the Indonesian diaspora in Malaysia, particularly those affiliated with the Persatuan Anak Rantau Indonesia (PARI) in Selangor. The program was carried out under the 2026 Archipelago Trade Exploration framework through a strategic collaboration among the ASEANACA Academic Association, the Malaysia International Marketing & Trade Chamber (MIMTC), and PARI. The approach is grounded in participatory empowerment, emphasizing sharia economic literacy, business network development, and cross-border partnership facilitation oriented toward long-term sustainability. Beyond strengthening participants' understanding of Islamic economic principles, the program actively promotes sharia values, sound business governance, and international market access. A key outcome is the signing of a Memorandum of Understanding (MoU) among PARI, ASEANACA, and MIMTC Malaysia as a formal foundation for sustained cooperation in trade, entrepreneurship, and diaspora-based Islamic economic advancement. This program is expected to raise the economic competitiveness of the Indonesian diaspora while reinforcing Islamic economics as a normative and strategic framework for building a sustainable, inclusive, and mutually beneficial business ecosystem.  
Peningkatan Literasi Zakat bagi Masyarakat Muslim di Malaysia Pertiwi Utami; Tejo Waskito; Nur Azizah Zuhriyah; Basrowi Basrowi
GUYUB: Journal of Community Engagement Vol 5, No 3 (2024)
Publisher : Universitas Nurul Jadid

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.33650/guyub.v5i3.9059

Abstract

Al-Fateh Mosque (MMAF) - Taman Jati, Ipoh, Perak, Malaysia along with Amil Zakat and also participants of Ummatic Festival 3.0. The partner problems include Zakat literacy is still low,  community participation in Zakat management is low, there is no Zakat literacy program involving mosques working with different communities, and international universities doing community service activities based on community empowerment. In relation to the three partner problems, the solutions to the problems that have been implemented include efforts to increase zakat literacy through zakat socialization, conducting zakat literacy enrichment activities for muzzaki at MMAF, and collaborating and being actively involved with MMAF, DRB-Hicom University, the ASNAF community, Islamic tourism volunteers around Ipoh and Kuala Kangsar, and several universities from Indonesia and internationally in a series of Ummatic Festival 3.0 activities. The method used in ICS activities is Participatory Action Research (PAR). After carrying out the activity; the muzzaki know the importance of paying zakat through official zakat amil institutions, the muzzaki play an active role in zakat collection and distribution activities at MMAF, and the muzzaki together with all Ummatic Festival 3.0 stakeholders were very enthusiastic to carry out ICS activities for these eight days. In addition, this program succeeded in restoring the role of the mosque as a community institution that plays a role in community activities, especially in collecting zakat for the welfare of the community.
Co-Authors Abaidullah Bin Mustaffa Abdul Aziz Ashabinur Adam Maulana Bambang Suryanto Basrowi Basrowi Dedi Rosadi Dedi Satriawan Endang Purwaningsih Ferliansyah Zais Ghasem Muhammadi Iqbal Alan Abdullah Juhary Ali Kiara Basmala Putri Laila Subra M Djidin Meilia Risna Muhammad Sunni Setiyo Mutiara Eka Putri Mutiara Putri Nur Azizah Zuhriyah Putri Allana Abdullah Risen Anugrah Ramatullah Rizal Rizal Ronaldo, Reza Ruslan Abdul Ghofur Sinta Ayu Purnamasari Tejo Waskito Tulus Suryanto Tulus Suryanto Umi Khulsum Yoga Mahendra Yul Maulini