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All Journal Jurnal Penelitian Pendidikan IPA (JPPIPA) Amal Ilmiah: Jurnal Pengabdian Kepada Masyarakat
Wakhid Kurniawan
Universitas Muhammadiyah Karanganyar
Agriculture, Biological Sciences & Forestry Biochemistry, Genetics & Molecular Biology Chemical Engineering, Chemistry & Bioengineering Chemistry Education Materials Science & Nanotechnology Physics

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Response of Small Traders in Traditional Markets to the Iman Portal Innovation in Avoiding Usury Diwi Acita Irawati; Puji Astuti; Wakhid Kurniawan; Shabrina Herawati; Romi Iriandi Putra; Muhammad Yusuf Ariyadi
Jurnal Penelitian Pendidikan IPA Vol 10 No SpecialIssue (2024): Science Education, Ecotourism, Health Science
Publisher : Postgraduate, University of Mataram

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.29303/jppipa.v10iSpecialIssue.8598

Abstract

Research on the Response of Small Traders in Traditional Markets to the Empowerment Innovation Portal Iman was carried out in Karanganyar from August to September 2023. This research aims to determine the response of small traders in traditional markets who were given socialization about Portal Iman, an empowerment innovation to avoid danger. usury. Qualitative and quantitative research was carried out in an integrated manner with surveys using questionnaires, interviews and field observations. All 92 recitation participants from 5 markets, namely Bejen, Jungke, Nglano, Jaten and Palur markets, were used as respondents for the socialization. The research results showed that the socialization participants were dominated by women (72.83%) compared to men (27.17%), with the majority aged 45 - 59 years or pre-elderly (60.87%); aged over 60 years or elderly (21.74%) and only 17.39% were aged 19 – 44 years or adults. The majority of participants' education was high school (SMA/MA/SMK) at 38.04%; Elementary school as much as 29.35% and junior high school as much as 20.65%. There were 5.44% of socialization participants who had not completed elementary school or even attended school and 6.52% who had attained higher education, either a diploma or bachelor's degree. The average length of business is 14.21 years, the longest is 44 years and the shortest is 1 year, with 66.57% own capital and 44.43% with borrowed capital, 36.67% have had contact with loan sharks, 61.11% have no contact and 2.2% did not provide information. Of the 36.6% who had contact with the loan shark, 12.22% were still in contact today, 64.44% were no longer in contact and 33.3% of respondents did not answer.
Implementasi Sistem Pembayaran QRIS Berbasis AI-IoT dan Biometric Key Erwin Apriliyanto; Romi Iriandi Putra; Wakhid Kurniawan
Amal Ilmiah: Jurnal Pengabdian Kepada Masyarakat Vol. 7 No. 2 (2026)
Publisher : FKIP Universitas Halu Oleo

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.36709/amalilmiah.v7i2.648

Abstract

Permasalahan utama yang dihadapi Pondok Pesantren Modern Imam Syuhodo, Kabupaten Sukoharjo, adalah dominannya penggunaan uang tunai dalam transaksi santri yang berisiko kehilangan, kesalahan pencatatan, dan sulit dipantau oleh wali santri. Program pengabdian kepada masyarakat ini bertujuan untuk meningkatkan efisiensi, keamanan, dan transparansi transaksi keuangan di pesantren melalui implementasi sistem pembayaran QRIS tanpa handphone berbasis AI-IoT dan Biometric Key. Kegiatan dilakukan melalui tahapan analisis kebutuhan, perancangan sistem, instalasi perangkat, pelatihan pengguna, implementasi, dan evaluasi. Sistem yang dikembangkan memanfaatkan kartu RFID dan autentikasi biometrik yang terintegrasi dengan modul AI-IoT dan dashboard monitoring. Hasil implementasi menunjukkan peningkatan efisiensi waktu transaksi dari ±2 menit menjadi kurang dari 30 detik, pengelolaan dana yang lebih transparan, serta kemudahan bagi wali santri dalam memantau keuangan anak secara real-time. Program ini berhasil meningkatkan literasi keuangan digital di lingkungan pesantren dan diharapkan menjadi model digitalisasi keuangan pesantren yang dapat direplikasi di lembaga pendidikan berbasis asrama lainnya di Indonesia.
Co-Authors Cucut Hariz Pratomo Erwin Apriliyanto Irawati, Diwi Acita Muhammad Yusuf Ariyadi Nova Tri Romadloni Puji Astuti Putra, Romi Iriandi Rauhulloh Ayatulloh Khomeini Noor Bintang Shabrina Herawati