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Islamic Financial Inclusion in Islamic Bank: A Study of Supply and Demand in Central Java Mardhiyaturrositaningsih, Mardhiyaturrositaningsih; Janah, Rohmatul
Al-bank: Journal of Islamic Banking and Finance Vol 5, No 1 (2025): January - June 2025
Publisher : Universitas Islam Negeri Mahmud Yunus Batusangkar

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.31958/ab.v5i1.14580

This study examines the constraints and strategies for enhancing Islamic financial inclusion in Central Java from the perspectives of supply and demand. Using a qualitative descriptive approach, data were collected through Focus Group Discussions with five Islamic Rural Banks (BPRS) and surveys involving 66 MSMEs. Findings reveal seven supply-side constraints, including limited public and human resource literacy, absence of ATMs, restricted branch networks, limited capital, difficulties in customer segmentation, and inadequate socialization efforts. Meanwhile, six demand-side barriers were identified, such as limited awareness of BPRS, perceived complexity in financing requirements, and concerns over collateral and loan repayments. To address these issues, two strategies are proposed: 1) targeted socialization and education campaigns and 2) enhanced collaboration with community organizations and stakeholders. The study underscores the need for joint efforts by BPRS, MSMEs, and the government to improve infrastructure and accessibility, thereby fostering broader Islamic financial inclusion

Islamic Financial Inclusion in Islamic Bank: A Study of Supply and Demand in Central Java Mardhiyaturrositaningsih, Mardhiyaturrositaningsih; Janah, Rohmatul
Al-bank: Journal of Islamic Banking and Finance Vol 5, No 1 (2025): January - June 2025
Publisher : Universitas Islam Negeri Mahmud Yunus Batusangkar

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.31958/ab.v5i1.14580

This study examines the constraints and strategies for enhancing Islamic financial inclusion in Central Java from the perspectives of supply and demand. Using a qualitative descriptive approach, data were collected through Focus Group Discussions with five Islamic Rural Banks (BPRS) and surveys involving 66 MSMEs. Findings reveal seven supply-side constraints, including limited public and human resource literacy, absence of ATMs, restricted branch networks, limited capital, difficulties in customer segmentation, and inadequate socialization efforts. Meanwhile, six demand-side barriers were identified, such as limited awareness of BPRS, perceived complexity in financing requirements, and concerns over collateral and loan repayments. To address these issues, two strategies are proposed: 1) targeted socialization and education campaigns and 2) enhanced collaboration with community organizations and stakeholders. The study underscores the need for joint efforts by BPRS, MSMEs, and the government to improve infrastructure and accessibility, thereby fostering broader Islamic financial inclusion

Determinant Factors of Digital Financial Literacy: A Study of Women Entrepreneurs Mardhiyaturrositaningsih, Mardhiyaturrositaningsih; Muhammad Luqman Hakim
Journal of Finance and Islamic Banking Vol. 5 No. 2 (2022)
Publisher : Universitas Islam Negeri Raden Mas Said Surakarta

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.22515/jfib.v5i2.5495

Micro, Small, and Medium Enterprises contribute to 61% of economic growth in Indonesia. The financial gap in MSMEs financing is based on data from the Ministry of Cooperatives and MSMEs. Women comprised the majority of MSMEs (61.8%). There were 38.03% literacy problems and 76.19% inclusion criteria. This study investigated the digital financial literacy of female entrepreneurs in Central Java. A survey method was used in this study with 100 women entrepreneurs. Digital Financial Literacy is identified in the three OECD components: Digital Financial Knowledge, Digital Financial Behavior, and Digital Financial Attitudes. The results of this study indicate that the average respondent had sufficient knowledge of digital finance. Limited knowledge of insurance services and capital markets. Meanwhile, the digital financial behavior and attitude components show that digital security protection measures are still low. It is hoped that digital financial literacy can support female entrepreneurs in developing their businesses.

Strategy of Islamic Rural Banks Improving Financial Performance During the Covid-19 Pandemic Mardhiyaturrositaningsih, Mardhiyaturrositaningsih; Janah, Rohmatul
AMWALUNA (Jurnal Ekonomi dan Keuangan Syariah) Vol 7, No 2 (2023)
Publisher : Univeristas Islam Bandung

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.29313/amwaluna.v7i2.8915

This study aims to measure the pattern of Islamic Rural Banks strategic management in Central Java during the Covid-19 Pandemic. This study use SWOT Analysis by determining Internal Factor Analysis Summary (IFAS) and External Factor Analysis Summary (EFAS). The sources of this research data were collected through a Focus Group Discussion conducted with the Financial Services Authority, Islamic Rural Banks Practitioners and Academics. The results of the study show that the Islamic Rural Banks considers the Covid-19 pandemic as a challenge with several priority aspects of control. Strategy formulation and implementation are carried out through changes to the Bank's Business Plan. Bank limited the distribution of high-risk financing during the Covid-19 Pandemic. Islamic Rural Banks focuses on the health sector, cooperation and government projects.

Financial Accessibility of Small and Medium Enterpraise (SMEs) in Surakarta City Hakim, Muhammad Luqman; Ningsih, Mardhiyatur Rosita
JIFA (Journal of Islamic Finance and Accounting) Vol. 3 No. 1 (2020)
Publisher : IAIN Surakarta

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.22515/jifa.v3i1.2342

Small and Medium Enterprise (SMEs) is priority economics sector until 65 percent in Indonesia. It had been priorities focus of government policy to financial access in banking helped SMEs. The research is aim to analyze the influence of SMEs Characteristic, Financial Literacy, and Lending Term toward Financial Accessi- bility SMEs in Surakarta city. The research had sample from SMEs registered in SMEs government in Surakarta city is 100 sample. Sample of the research with proportionate stratified random sam- pling technique. Methodology in this research is regression. The Re- sult of this research state that the SMEs Characteristics, Financial Literacy, and Lending term positif toward Financial Accessibility Keywords: Financial Accessibility, Financial Literacy, Lending Term, SMEs Characteristics JEL Classification: G32, L22,L26

Determinants of Financial Stability in Islamic Banks Mawaddah, Dewi Malihatul; Mardhiyaturrositaningsih, Mardhiyaturrositaningsih; Nihayah, Ana Zahrotun
Jurnal Akuntansi Vol. 17 No. 2 (2025): Vol. 17 No. 2 (2025)
Publisher : Universitas Kristen Maranatha

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.28932/jam.v17i2.11866

Purpose – This study aims to analyze the factors that influence inflation, financing risk, and digital payments on financial stability at Islamic Commercial Banks in Indonesia. Design/Methodology/Approach – This study uses a quantitative approach and purposive sampling technique with sample criteria being banks listed during the study period and publishing complete quarterly reports consistently. The data analysis technique uses panel data regression analysis, with the Random Effect Model (REM) in EViews 13. Findings – The results of the study indicate that inflation has a significant positive effect on the financial stability of Islamic banks. Financing risk has a significant negative effect on the financial stability of Islamic banks. Meanwhile, the digital payment variable does not have a significant effect on the financial stability of Islamic banks.Research limitations/Implications – This study provides empirical insights by combining macroeconomic, risk, and digital payment variables to assess the stability of Islamic banks, which has been underexplored in previous research. The limitation of this study is the limited variable and geographical coverage of Islamic banks in Indonesia. Therefore, future research is recommended to include other factors and use a cross-country comparative approach to gain a more complex understanding of the financial resilience of Islamic banks. Keywords: Digital Payments, Financial Stability, Financing Risk, and Inflation

Pendampingan Digitaliasi UMKM: Pembuatan Promosi Digital Melalui Media Sosial dan Google Maps di Desa Jetak Kecamatan Getasan Kabupaten Semarang Mardhiyaturrositaningsih, Mardhiyaturrositaningsih; Muhammad Faaiz Zamzami
BANTENESE : JURNAL PENGABDIAN MASYARAKAT Vol. 7 No. 2 (2025): Bantenese: Jurnal Pengabdian Masyarakat
Publisher : Pusat Studi Sosial dan Pengabdian Masyarakat Fisipkum Universitas Serang Raya

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.30656/g7xhf350

Usaha Mikro, Kecil, dan Menengah (UMKM) memiliki peran penting dalam menopang perekonomian nasional namun UMKM di daerah pedesaan sering mengalami permasalahan kurangnya literasi dalam pemanfaatan teknologi digital termasuk pada UMKM di Desa Jetak Kecamatan Getasan, Kabupaten Semarang. Kegiatan pengabdian ini dilakukan bertujuan untuk memberikan pendampingan bagi UMKM dalam membuat video konten untuk memasarkan produk dan membuat titik lokasi pada google maps, meningkatkan pengetahuan mengenai cara pemanfaatan teknologi digital. kegiatan ini menggunakan metode Participatory Action Research. Kegiatan terdiri atas pembuatan media pemasaran dalam bentuk konten promosi dan pendampingan pembuatan titik lokasi dalam google maps. Hasil dari kegiatan pengabdian ini membuat para pelaku UMKM memiliki media-media yang dapat membantu dalam memasarakan produknya ke pasar yang lebih luas lagi. Pemanfaatkan teknologi digital diharapkan mampu membantu UMKM dalam meningkatan usahanya.

Islamic Financial Inclusion in Islamic Bank: A Study of Supply and Demand in Central Java Mardhiyaturrositaningsih, Mardhiyaturrositaningsih; Janah, Rohmatul
Al-bank: Journal of Islamic Banking and Finance Vol 5 No 1 (2025): January - June 2025
Publisher : Universitas Islam Negeri Mahmud Yunus Batusangkar

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.31958/ab.v5i1.14580

This study examines the constraints and strategies for enhancing Islamic financial inclusion in Central Java from the perspectives of supply and demand. Using a qualitative descriptive approach, data were collected through Focus Group Discussions with five Islamic Rural Banks (BPRS) and surveys involving 66 MSMEs. Findings reveal seven supply-side constraints, including limited public and human resource literacy, absence of ATMs, restricted branch networks, limited capital, difficulties in customer segmentation, and inadequate socialization efforts. Meanwhile, six demand-side barriers were identified, such as limited awareness of BPRS, perceived complexity in financing requirements, and concerns over collateral and loan repayments. To address these issues, two strategies are proposed: 1) targeted socialization and education campaigns and 2) enhanced collaboration with community organizations and stakeholders. The study underscores the need for joint efforts by BPRS, MSMEs, and the government to improve infrastructure and accessibility, thereby fostering broader Islamic financial inclusion

Pengaruh Kemudahan Penggunaan Terhadap Minat Investasi Emas Digital dengan Sikap Sebagai Variabel Mediasi pada Perbankan Syariah di Kota Semarang Ririn Dwi Ariyanti; Muyassarah; Mardhiyaturrositaningsih
Jurnal Ekonomi Bisnis, Manajemen dan Akuntansi (Jebma) Vol. 6 No. 1 (2026): Article Research Maret 2026
Publisher : Yayasan Cita Cendikiawan Al Khwarizmi

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.47709/jebma.v6i1.8108

Perkembangan investasi emas digital syariah di era digitalisasi perbankan menuntut pemahaman mendalam mengenai faktor-faktor yang memengaruhi minat investasi nasabah, khususnya persepsi kemudahan penggunaan layanan. Penelitian ini bertujuan menganalisis pengaruh kemudahan penggunaan terhadap minat investasi emas digital syariah dengan sikap sebagai variabel mediasi pada nasabah Bank Syariah Indonesia di Kota Semarang. Metode yang digunakan adalah pendekatan kuantitatif melalui survei terhadap 110 responden yang memenuhi kriteria penelitian. Analisis data dilakukan menggunakan Structural Equation Modeling–Partial Least Squares (SEM-PLS) dengan bantuan SmartPLS. Hasil penelitian menunjukkan bahwa kemudahan penggunaan berpengaruh positif dan signifikan terhadap sikap (? = 0,342; p < 0,000) serta minat investasi (? = 0,609; p < 0,000). Selain itu, sikap juga berpengaruh positif dan signifikan terhadap minat investasi (? = 0,467; p < 0,000). Sikap terbukti menjadi variabel mediasi yang signifikan dalam hubungan antara kemudahan penggunaan dan minat investasi (? = 0,281; p < 0,000). Temuan ini menunjukkan bahwa kemudahan penggunaan tidak hanya memengaruhi minat secara langsung, tetapi juga melalui pembentukan sikap positif nasabah, sehingga mendukung relevansi Technology Acceptance Model dalam konteks investasi emas digital syariah

SOSIALISASI PRODUK TABUNGAN BPRS GALA MITRA ABADI PURWODADI PADA PELAKU UMKM DI GROBOGAN 01, ulil af'idah; 01, efa nurlita agustin; masyfu'ah; mardhiyaturrositaningsih
Jurnal Abdikaryasakti Vol. 6 No. 1 (2026): April
Publisher : Universitas Trisakti

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.25105/ja.v6i1.25025

Usaha Mikro, Kecil, dan Menengah (UMKM) memiliki peran strategis dalam mendorong pertumbuhan ekonomi daerah dan nasional. Namun, rendahnya literasi keuangan syariah masih menjadi salah satu hambatan utama bagi pelaku UMKM dalam mengakses dan memanfaatkan layanan perbankan syariah secara optimal. Kegiatan pengabdian kepada masyarakat ini bertujuan untuk meningkatkan pemahaman dan literasi keuangan syariah melalui sosialisasi produk tabungan BPRS Gala Mitra Abadi Purwodadi kepada pelaku UMKM batik dan ecoprint di Kabupaten Grobogan. Metode yang digunakan berupa sosialisasi langsung pada kegiatan pertemuan rutin UMKM yang dilaksanakan di Desa Getasrejo, Kabupaten Grobogan. Materi sosialisasi meliputi pengenalan perbankan syariah, akad-akad yang digunakan, jenis produk tabungan, persyaratan pembukaan rekening, serta fasilitas layanan yang ditawarkan. Hasil kegiatan menunjukkan adanya peningkatan pemahaman pelaku UMKM terhadap konsep perbankan syariah dan produk tabungan BPRS Gala Mitra Abadi Purwodadi, serta tumbuhnya minat untuk memanfaatkan layanan keuangan syariah dalam pengelolaan keuangan usaha. Kegiatan ini juga memperkuat sinergi antara lembaga keuangan syariah dan pelaku UMKM dalam upaya meningkatkan literasi dan inklusi keuangan syariah di tingkat daerah. Kedepan, kegiatan sosialisasi serupa perlu dilakukan secara berkelanjutan agar dampaknya semakin luas dan optimal.

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