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All Journal Jurnal Abdi Insani JIIP (Jurnal Ilmiah Ilmu Pendidikan) Community Development Journal: Jurnal Pengabdian Masyarakat Fruitset Sains : Jurnal Pertanian Agroteknologi Safari : Jurnal Pengabdian Masyarakat Indonesia JIA (Jurnal Ilmiah Agribisnis) : Jurnal Agribisnis dan Ilmu Sosial Ekonomi Pertanian Prosiding Seminar Nasional Pengabdian Masyarakat Maneggio Maneggio Journal Markcount Finance
Takim Mulyanto
Universitas Merdeka Malang
Agriculture, Biological Sciences & Forestry Arts Humanities Civil Engineering, Building, Construction & Architecture Computer Science & IT Decision Sciences, Operations Research & Management Economics, Econometrics & Finance Education Engineering Environmental Science Health Professions Industrial & Manufacturing Engineering Languange, Linguistic, Communication & Media Law, Crime, Criminology & Criminal Justice Mathematics Medicine & Pharmacology Public Health Social Sciences Veterinary Other

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Islamic Fintech Platforms for Financial Inclusion: Case Study on Digital Banking in Rural Communities Takim Mulyanto; Sarah Williams; David Martin
Journal Markcount Finance Vol. 3 No. 3 (2025)
Publisher : Yayasan Adra Karima Hubbi

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.70177/jmf.v3i3.2928

Abstract

Financial inclusion remains a critical challenge in rural communities where geographical barriers, limited infrastructure, and socio-cultural factors restrict access to formal financial services. Islamic fintech platforms have emerged as an alternative digital solution that combines technological innovation with Sharia-compliant financial principles, offering potential pathways for inclusive finance. The objective of this study is to examine how Islamic fintech-based digital banking platforms contribute to financial inclusion in rural communities through an in-depth case study approach. A qualitative research design was employed, involving purposive sampling of rural digital banking users, community leaders, fintech service providers, and institutional stakeholders. Data were collected through semi-structured interviews, field observations, and document analysis, and were analyzed thematically to capture patterns of access, usage, trust, and perceived benefits. The findings reveal that Islamic digital banking platforms significantly improve account ownership, transaction frequency, access to savings and microfinance, and user confidence in formal financial institutions. Adoption is strongly influenced by Sharia compliance, digital literacy, proximity to agent networks, and endorsement from local religious and community institutions. The study concludes that Islamic fintech platforms function not only as technological tools but also as socially embedded financial instruments that align ethical values with digital innovation. The novelty of this research lies in its integration of Islamic economic theory with empirical rural fintech analysis, demonstrating how value-based digital banking can effectively advance financial inclusion in underserved rural contexts.
PEANUT FARMING INCOME, BREAK-EVEN POINTS, AND SENSITIVITY TO ECONOMIC CHANGES IN PONOROGO Takim Mulyanto; Rahmad Kurniawan; Citra Nurmalis Victoria
Journal Markcount Finance Vol. 4 No. 4 (2026)
Publisher : Yayasan Adra Karima Hubbi

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.70177/jmf.v4i4.4268

Abstract

Peanut-farming studies in Indonesia commonly report realized income and R/C ratios, but less attention has been given to how far farm performance is from break-even and how coincident adverse changes affect that margin. This study integrates farm-income analysis, production and price break-even points (BEP), margin of safety, and deterministic single- and multi-factor stress tests using 2024 data from 31 purposively selected peanut farmers in Purworejo Village, Ponorogo. Farm records were standardized per hectare per growing season. The sample-average farm generated an R/C ratio of 1.77, while production and price BEPs implied a 43.36% margin of safety. Under a symmetric three-factor scenario in which price and output declined while total cost increased by the same percentage, the zero-income boundary was approximately 18.18%. These thresholds should be interpreted as downside financial resilience of the sample-average farm budget under the stated accounting assumptions, not as a probabilistic forecast or evidence of long-term resilience for all farmers. The contribution of the study lies in combining realized profitability, break-even thresholds, and coincident-shock stress testing in one locally applicable framework, thereby translating farm records into practical benchmarks for production planning, price negotiation, cost control, and extension support.
Co-Authors Abu Kusno Sahuti Agus Suryanto Citra Nurmalis Victoria Darmawan Darmawan David Martin Dewi, Susantriana Djunaedi Djunaedi Djunaedi Edy Prayitno Fista Herry Nooryanto Heriana, Tutik Idel Eprianto Imam Fauzan Mai Puspadyna Bilyastuti Mila Diana Sari, Mila Diana Muhammad Achwan Muhammad Syaikhi Abdul Rahman Wahid Purwandari, Sri Neti Rahmad Kurniawan Rizqi Rahmawati Rizqi Rahmawati Rosidhawati, Linda Santoso, Andrik Eko Sarah Williams Smita Catur Sudyantara Subagyo, Anton Sudyantara, Smita Catur Sugeng Sugeng Sumarno . Sumarno Sumarno Sunarso Sunarso Sunarso Sunarso Susantriana Dewi Wijaya, Andik Wulandari, Risky Zanida Etis Nuriani