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All Journal Journal of Development Research JIMEK : Jurnal Ilmiah Mahasiswa Ekonomi ADI Bisnis Digital Interdisiplin (ABDI Jurnal) ADI Pengabdian kepada Masyarakat Jurnal (ADIMAS Jurnal) SINDA: Comprehensive Journal of Islamic Social Studies Izdihar : Jurnal Ekonomi Syariah JANITA ADILLA: Jurnal Ilmiah Ekonomi Syari'ah IIJSE Danadyaksa: Post Modern Economy Journal Journal of Community Service for Health Jurnal At-Tamwil: Kajian Ekonomi Syariah INTERNATIONAL JOURNAL OF ECONOMIC LITERATURE (INJOLE)
Denny Rakhmad Widi Ashari
Universitas Nahdlatul Ulama Blitar
Religion Arts Humanities Civil Engineering, Building, Construction & Architecture Computer Science & IT Decision Sciences, Operations Research & Management Economics, Econometrics & Finance Education Electrical & Electronics Engineering Environmental Science Health Professions Library & Information Science Nursing Public Health Social Sciences Other

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Co-Creating Operational Service Excellence In SMES: Integrating Academic Insights And Sharia Banking Practices Through Service-Dominant Logic Denny Rakhmad Widi Ashari; Gautama Sastra Waskita; Nurani; Ahmad Rifa’i; Muhammad Syahrul Hidayat
ADILLA : Jurnal Ilmiah Ekonomi Syari'ah Vol. 9 No. 1 (2026): Januari
Publisher : Universitas Islam Darul 'ulum Lamongan

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Abstract

Small and medium-sized enterprises (SMEs) face increasing pressure to enhance service quality within market uncertainty, limited resources, and rapid digital transformation. However, many SMEs struggle to develop sustainable service excellence due to fragmented capabilities and the absence of structured cross-sector collaboration. This study aims to investigate how co-creation between SMEs, academic institutions, and the banking industry can jointly drive service excellence by adopting the principles of Service-Dominant Logic (SDL). A qualitative exploratory design was employed, using in-depth interviews, expert discussions, and document analysis to examine the interplay of knowledge exchange, resource integration, and collaborative service innovation across the three stakeholder groups. The findings reveal that service excellence emerges through co-created value rather than isolated organizational initiatives. Academic institutions contribute theoretical frameworks and analytical tools, while the banking sector provides financial expertise, risk management practices, and customer service models. SMEs, in turn, integrate these resources to build adaptive capabilities, elevate customer experience, and strengthen operational resilience. The study demonstrates that triadic collaboration enables SMEs to transition toward customer-centric service models, leverage digital technologies, and develop more robust financial and managerial competencies. These insights extend the SDL framework by highlighting the role of multi-actor ecosystems in shaping service innovation within resource-constrained contexts. The implications underscore the need for structured co-creation platforms, capacity-building initiatives, and long-term partnerships to scale SME service excellence. The study further recommends exploring broader ecosystem actors and mixed-method approaches to deepen theoretical and managerial understanding of co-creation-driven service transformation.
Sustainability Business Strategy in the Era of VUCA: Dynamic Capability Perspective Denny Rakhmad Widi Ashari; Gautama Sastra Waskita
SINDA: Comprehensive Journal of Islamic Social Studies Vol. 5 No. 1 (2025): Volume 5 Nomor 1 April 2025
Publisher : Universitas Nahdlatul Ulama Blitar

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.28926/sinda.v5i1.2180

Abstract

Sustainability Business Strategy in the Era of VUCA: Dynamic Capability Perspective. The increasing uncertainty and complexity in the business environment, often described as the VUCA (volatility, uncertainty, complexity, and ambiguity) era, pose significant challenges for small and medium-sized enterprises (SMEs) in sustaining their competitive advantage. While sustainability-driven business strategies have been widely acknowledged as a means to enhance long-term resilience, the role of dynamic capabilities in enabling SMEs to navigate sustainability challenges remains underexplored. This study aims to investigate how SMEs develop sustainable business strategies through dynamic capability mechanisms (sensing, seizing, and transforming), using Kedai Kosim, Indonesia, as a case study. Employing a qualitative approach with in-depth interviews and document analysis, this research reveals that strategic agility, stakeholder collaboration, and digital transformation are key enablers of sustainability in resource-constrained firms. The findings extend the dynamic capability theory by contextualizing it within SME sustainability strategies and offer practical insights for business practitioners and policymakers. The study suggests that SMEs can achieve sustainability by embedding it into core business models, leveraging technology, and fostering ecosystem partnerships. This research contributes to the ongoing discourse on sustainability and strategic agility in SMEs, highlighting the need for further empirical exploration across different industries and cultural contexts.
The Art of Doing More with Less: Exploring Frugal Innovation Practices as Strategic Agility Drivers in SMEs Denny Rakhmad Widi Ashari; Gautama Sastra Waskita
SINDA: Comprehensive Journal of Islamic Social Studies Vol. 5 No. 2 (2025): Volume 5 Nomor 2 Agustus 2025
Publisher : Universitas Nahdlatul Ulama Blitar

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.28926/sinda.v5i2.2511

Abstract

Small and medium-sized enterprises (SMEs) operating in resource-constrained environments often struggle to remain adaptive amid volatility, prompting the need for innovation approaches that enable agility despite structural limitations. This study examines how frugal innovation functions as a strategic driver of agility in SMEs, moving beyond its conventional framing as a cost-saving tactic. Using a qualitative research design involving semi-structured interviews, non-participant observations, and document analysis across selected SMEs, the study investigates the mechanisms that connect frugal innovation with strategic agility. The findings reveal three core mechanisms—strategic improvisation, resource recombination, and ecosystem engagement—that collectively enhance SMEs’ capacity to sense opportunities, respond swiftly, and reconfigure organizational processes. These mechanisms demonstrate that constraints can act as catalysts for adaptive capability rather than barriers to innovation. The study contributes to the theoretical integration of frugal innovation and strategic agility while offering practical insights for SME leaders, policymakers, and development institutions seeking to strengthen resilience and competitiveness. Broader implications highlight the role of frugal–agile practices in promoting inclusive and sustainable entrepreneurial ecosystems.
Crafting the Perfect Cup: How Sustainable Barista Training Shapes Product Quality at Kedai Kosim, Indonesia Gautama Sastra Waskita; Denny Rakhmad Widi Ashari
SINDA: Comprehensive Journal of Islamic Social Studies Vol. 5 No. 3 (2025): Volume 5 Nomor 3 Desember 2025
Publisher : Universitas Nahdlatul Ulama Blitar

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.28926/sinda.v5i3.2514

Abstract

Sustainable service delivery has become increasingly critical for small coffee enterprises, yet the role of sustainability-oriented training in shaping product quality remains empirically underexplored. This study examines how Sustainable Barista Training influences beverage quality, operational performance, and sustainability behavior at Kedai Kosim, Indonesia. Using a qualitative case study design, data were collected through in-depth interviews, non-participant observations, and document review to capture the integration of sustainability principles into barista competencies and daily workflows. The findings reveal that sustainability-focused training enhances technical consistency, strengthens environmental awareness, and cultivates mindful resource use in coffee preparation processes. These improvements elevate key dimensions of service quality, including reliability, assurance, and responsiveness, while embedding sustainable practices into routine operations. The study contributes to the service management and sustainable hospitality literature by positioning sustainability competencies as a critical yet underrecognized driver of product quality in micro-scale coffee businesses. Practical implications highlight the importance of structured, experiential training to improve beverage consistency, reduce operational waste, and support SDG-oriented coffee shop management. Future research should explore multi-case comparisons and longitudinal assessments to evaluate the durability and scalability of sustainability-driven training models
Optimalisasi Pengumpulan Dana Zakat melalui Strategi Fundraising Badan Amal Zakat Nasional: Studi Manajemen Filantropi Islam Farid Ardhy Sudirman; Annas Ma’ruf; Hudan Ngisa Anshori; Denny Rakhmad Widi Ashari
SINDA: Comprehensive Journal of Islamic Social Studies Vol. 6 No. 1 (2026): Vol.6 No.1 April 2026
Publisher : Universitas Nahdlatul Ulama Blitar

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.28926/sinda.v6i1.2855

Abstract

This study aims to analyze the fundraising strategies implemented by the National Zakat Agency (BAZNAS) to optimize the collection of zakat funds through an Islamic philanthropy management approach. As an Islamic social finance instrument, zakat plays a crucial role in improving community welfare, reducing poverty, and supporting equitable economic development. However, the significant potential of national zakat has not yet been fully matched by the optimization of zakat collection by zakat management institutions. This study employs a descriptive-qualitative method using a library research approach, involving the review of various books, scientific journals, official reports, and regulations related to zakat management in Indonesia. The findings indicate that BAZNAS’s fundraising strategies are implemented through digital fundraising, social-religious campaigns, strengthening zakat literacy, institutional collaboration, and enhancing transparency and public accountability. These strategies have proven effective in increasing public trust and the loyalty of zakat contributors, thereby leading to an increase in zakat collection. Additionally, the application of digital technology facilitates access to services and expands the reach of zakat collection in the digital era. From the perspective of Islamic philanthropy management, fundraising is not only oriented toward raising funds but also toward fostering spiritual awareness and social solidarity within the community. This study confirms that the integration of digital technology, professional governance, and Sharia values are key factors in the development of effective, transparent, and sustainable zakat management in Indonesia.
STANDARDISASI OPERASIONAL LAYANAN DAN MANAJEMEN KUALITAS UMKM: ADAPTASI PROSEDUR PERBANKAN MELALUI METODE ROLEPLAY Denny Rakhmad Widi Ashari; Setyoadi Pambudi; Akhmad Rifa’i; Mokhamad Eldon; Nur Indira Maharani
JANITA : JURNAL PENGABDIAN KEPADA MASYARAKAT Vol. 6 No. 1 (2026)
Publisher : Lembaga Penelitian dan Pengabdian Masyarakat Universitas Tulungagung

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.36563/h2dfym55

Abstract

Kegiatan pengabdian kepada masyarakat ini bertujuan untuk melakukan standardisasi operasional dan peningkatan kualitas layanan pada pelaku Usaha Mikro, Kecil, dan Menengah (UMKM) di bawah naungan LKKNU Madani MWC NU Tulungagung. Berdasarkan observasi awal, mitra menghadapi kendala operasional akibat ketiadaan Standar Operasional Prosedur (SOP) layanan dan penanganan keluhan pelanggan yang cenderung emosional dan tidak terstruktur. Metode pelaksanaan menggunakan pendekatan Participatory Learning and Action (PLA) yang meliputi pemaparan materi, simulasi roleplay penanganan keluhan (service recovery), serta pendampingan penyusunan draf SOP sederhana yang mengadaptasi standar perbankan dan berbasis etika bisnis Islam. Evaluasi keberhasilan dilakukan secara kualitatif melalui observasi partisipatif selama sesi simulasi dan wawancara intensif melalui diskusi di WhatsApp Group (WAG). Hasil pengabdian menunjukkan adanya transformasi perilaku (behavioral change) yang signifikan, di mana mitra mampu mempraktikkan teknik komunikasi profesional, merespons keluhan dengan prinsip tabayyun, dan menyusun alur layanan yang lebih terstruktur. Dampak dari kegiatan ini adalah terbentuknya kesadaran kolektif mitra bahwa manajemen kualitas layanan (service quality management) merupakan aset strategis untuk meningkatkan loyalitas pelanggan dan daya saing ekonomi umat.
Responding to Monetary Authority Interest Rate Policy: Performance, Financial Risk, and Operational Efficiency Analysis of Commercial Banks Muhammad Faisal; Slamet Muchsin; Afiffudin Afiffudin; Nur Indira Maharani; Denny Rakhmad Widi Ashari
Danadyaksa: Post Modern Economy Journal Vol. 4 No. 1 (2026): Post Modern Economy Journal
Publisher : Yayasan Pendidikan Islam Bustanul Ulum Mojokerto

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Abstract

Interest rate policy plays an important role in influencing financial risk and bank performance, especially in emerging economies with high economic volatility. The objective of this research is to study how interest rate policy, credit risk, liquidity risk, and bank performance interact with each other in a complex way. This is done by considering both internal and external variables. This research analyzes literature from a number of international empirical studies focusing on developing and developed countries. The data is analyzed to find patterns and relationships between interest rate policy and bank financial risk. The results show that lower interest rates increase credit risk through aggressive loan expansion and lower credit standards. Declining interest rates also increase liquidity risk as depositors' incentives are reduced. In addition, it was found that good capital structure and governance can mitigate the negative effects of interest rate fluctuations on bank performance. This research strengthens the theoretical basis on the role of monetary policy in the banking industry and emphasizes macroprudential regulation and adaptive risk management strategies. Further research is suggested to include negative interest rate policies or global financial markets, but practical implications include the need for policies that support financial stability amid low interest rate challenges.
ANALISIS PERAN LITERASI KEUANGAN SYARIAH DALAM MENINGKATKAN KEBERLANJUTAN UMKM ERA DIGITAL DI KOTA BLITAR Akhmad Rifa’i; Agus Eko Sujianto; Mohammad Basid Al Haris; Denny Rakhmad Widi Ashari
JIMEK : Jurnal Ilmiah Mahasiswa Ekonomi Vol. 9 No. 1 (2026): JIMEK VOL 09 NO 01 2026
Publisher : Fakultas Ekonomi Universitas Kadiri

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.30737/jimek.v9i1.7449

Abstract

Miicro, Small, and Meidiium Einteirpriiseis (MSMEis) play a strateigiic rolei iin reigiional eiconomiic deiveilopmeint, iincludiing iin Bliitar Ciity. Thei growth of thei diigiital eiconomy preiseints both opportuniitiieis and challeingeis for MSMEi sustaiinabiiliity, partiicularly iin fiinanciial manageimeint. Thiis study aiims to analyzei thei rolei of Iislamiic fiinanciial liiteiracy iin einhanciing MSMEi sustaiinabiiliity iin thei diigiital eira iin Bliitar Ciity. Thei reiseiarch eimployeid a quantiitatiivei approach usiing a surveiy meithod wiith 120 MSMEi actors seileicteid through purposiivei sampliing. Data weirei colleicteid usiing a Liikeirt-scalei queistiionnaiirei and analyzeid usiing siimplei liineiar reigreissiion. Thei reisults iindiicatei that Iislamiic fiinanciial liiteiracy has a posiitiivei and siigniifiicant eiffeict on MSMEi sustaiinabiiliity iin thei diigiital eira. Thei coeiffiiciieint of deiteirmiinatiion shows that Iislamiic fiinanciial liiteiracy eixplaiins part of thei variiatiion iin MSMEi sustaiinabiiliity, whiilei thei reimaiiniing variiatiion iis iinflueinceid by otheir factors. Theisei fiindiings hiighliight thei iimportancei of streingtheiniing Iislamiic fiinanciial liiteiracy to support MSMEi sustaiinabiiliity amiid ongoiing diigiital transformatiion.
Co-Authors Afiffudin Afiffudin Afiffudin Afiffudin Agus Eko Sujianto AGUS PRIYANTO Ahmad Rifa’i Akhmad Rifa'i Akhmad Rifa’i Akhmad Rifa’i Al Haris, Mohammad Basid Andrean Permadi Annas Ma’ruf Artanty Utami Bakti, Nurimansyah Setivia Basid Al Haris , Mohammad Basid, Mohammad Basid Al Haris Bondan Subagyo Dean Seshar Rahmadina Dean Seshar Rahmadina Desi Rahmawati Edi Santoso Eko Santoso Farid Ardhy Sudirman Fitria Damayanti Fitria Damayanti Gautama Sastra Waskita Gautama Sastra Waskita Gautama Sastra Waskita Gautama Sastra Waskita Hidayati, Atina Hudan Ngisa Anshori Mohammad Basid Al Haris Mohammad Basid Al Haris Mokhamad Eldon Muhammad Faisal Muhammad Syahrul Hidayat Muhammad Syahrul Hidayat Nur Indira Maharani Nur Indira Maharani Nurani Pambudi, Setyoadi Rifa’i, Akhmad Rizkaputra, Fergiawan Alfianto Samlatul Izzah Sawal Sartono Setyoadi Pambudi Slamet Muchsin Suratman suratman Titik Juwariah Urip Triandri Urip Triandri Utami, Artanty wahyuningsih, Diyan