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All Journal Journal of Islamic economy and Community Engagement Journal of Accounting Inquiry Impact: Jurnal Pengabdian kepada Masyarakat
Rifaatul Indana
UIN Sunan Kalijaga Yogyakarta
Religion Humanities Economics, Econometrics & Finance Education Social Sciences Other

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Evaluation of Digitalization Implementation in BMT: Impact on Sharia Financial Inclusion and Member Trust Rifaatul Indana; M Qoshid Al Hadi
Journal of Islamic Economy and Community Engagement Vol. 7 No. 1 (2026): Volume 7 No.1 2026
Publisher : FEBI UIN Sunan Kalijaga Yogyakarta

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.14421/jiecem.2026.7.1.3066

Abstract

This study aims to analyze the influence of digitalization on efficiency, financial inclusion, and trust among members of Baitul Maal wat Tamwil (BMT) in Yogyakarta, representing Islamic microfinance institutions undergoing digital transformation. A quantitative approach was employed using Structural Equation Modeling–Partial Least Squares (SEM-PLS) with data obtained from 207 active BMT members. The research instrument was developed based on four main constructs and measured using a five-point Likert scale. The results reveal that digitalization has a significant positive effect on operational efficiency, the expansion of Islamic financial inclusion, and the enhancement of members' trust. Furthermore, both efficiency and financial inclusion contribute positively to building trust among BMT members. These findings confirm that the adoption of digital technology not only improves operational performance but also strengthens members' loyalty and confidence in the professionalism and Sharia compliance of the institution. This research provides empirical evidence that enriches the literature on digital transformation in Islamic microfinance, while offering strategic recommendations for BMT managers and regulators to develop a digital ecosystem that is inclusive, efficient, and grounded in Islamic ethical values to ensure the sustainability of Islamic microfinance institutions in the digital economy era.
Optimalisasi Program Mengajar Al-Qur'an Dengan Metode Qurani Pada Lembaga Pemasyarakatan Narkotika Pakem Yogyakarta Rifaatul Indana
Impact: Jurnal Pengabdian kepada Masyarakat Vol. 1 No. 02 (2025): Impact: Jurnal Pengabdian Kepada Masyarakat
Publisher : https://journal.metanusantara.com/impact/index.php/jpk

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.010425/cpgkzd74

Abstract

Learning Al-Qur'an with the Qurani method at Lembaga Pemasyarakatan (Lapas) Narcotics Pakem Yogyakarta aims to improve the ability to read Al-Qur'an inmates as well as shaping their religious character. The Qurani method is designed to facilitate learning the Qur'an through systematic stages, namely letter recognition, pronunciation, changes, and recitation practice. This study evaluates the implementation, challenges, and success of the programme through a service learning approach for 12 months. The evaluation results showed significant improvement in Qur'an recitation skills as well as internalisation of religious values among participants. This article proposes recommendations for the development of similar programmes in other institutions.
Analysis of Capital Structure and Profitability on Firm Value of Companies Listed on the Sharia Stock List Ulfa Ni’matus Sa’adah; Rifaatul Indana
Journal of Accounting Inquiry Vol. 2 No. 2 (2023)
Publisher : Faculty of Islamic Economics and Business, State Islamic University Sunan Kalijaga

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.14421/jai.2023.2.2.096-104

Abstract

Purpose: This study aims to analyse the capital structure and profitability on the firm value on the Sharia Stock List. Methodology: This study uses independent variables of capital structure, namely Debt to Equity Ratio (DER) and profitability (ROE). The dependent variable is firm value as measured by Tobin's Q variable. The research method is descriptive quantitative research using hypothesis testing. Findings: The results of this study are the capital structure variable partially has a negative and significant effect on firm value. Profitability variable partially has a negative and significant effect on firm value. Novelty: Researcher try to identify and further examine the effect of capital structure and profitability on the value of Sharia Stock List.
Co-Authors M. Qoshid Al Hadi Ulfa Ni’matus Sa’adah