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All Journal Equilibrium PengabdianMu: Jurnal Ilmiah Pengabdian kepada Masyarakat Community Development Journal: Jurnal Pengabdian Masyarakat El-Ecosy : Jurnal Ekonomi dan Keuangan Islam Buana Informatika Buana Informatika Buana Informatika DIGIBE: Digital Business and Entrepreneurship Journal KHITABAH: Khazanah Penelitian Perbankan Syariah Journal of Elementary Education: Strategies, Innovations, Curriculum, and Assesment AICOS Referensi Islamika: Jurnal Studi Islam
Acim Acim
Prodi Perbankan Syariah, STAI Putra Galuh Ciamis
Religion Agriculture, Biological Sciences & Forestry Arts Humanities Computer Science & IT Decision Sciences, Operations Research & Management Economics, Econometrics & Finance Education Environmental Science Health Professions Languange, Linguistic, Communication & Media Law, Crime, Criminology & Criminal Justice Mathematics Public Health Social Sciences Other

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PENGARUH LITERASI KEUANGAN SYARIAH, PENGALAMAN KEUANGAN, DAN ETIKA KONSUMSI TERHADAP PERILAKU KEUANGAN PEDAGANG PASAR TRADISIONAL Kikin Mutakin; Ihrom Jaelani; Acim Acim
KHITABAH: Khazanah Penelitian Perbankan Syariah Vol 2 No 1 (2025): Juni 2025
Publisher : Sekolah Tinggi Agama Islam Putra Galuh Ciamis

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Abstract

This study aims to analyze the influence of Islamic financial literacy, Islamic financial experience, and self-control on Islamic financial behavior in traditional market traders. The background of this study is the challenges faced by traditional business actors amidst the rapid digitalization of the economy and the low level of Islamic financial literacy and inclusion in Indonesia. With a quantitative approach, this study uses a multiple linear regression method on 50 market trader respondents selected purposively. The results of the analysis show that simultaneously, the three independent variables do not have a significant effect on Islamic financial behavior (sig. F value > 0.05). Likewise, partially, Islamic financial literacy, Islamic financial experience, and self-control do not have a significant effect on Islamic financial behavior. This indicates that there are other factors outside the model that may be more dominant in shaping Islamic financial behavior, such as religious understanding, local cultural values, or the influence of the social environment. This study recommends the need for a deeper educational and spiritual approach and community-based economic assistance programs to strengthen Islamic financial practices at the micro level
PERAN PEMBELAJARAN MANAJEMEN INFORMASI DALAM MENINGKATKAN KOMPETENSI MAHASISWA PERBANKAN SYARIAH: TINJAUAN DARI PERSPEKTIF PENGAJARAN Acim Acim; Popong Komariah; Dodi Mulyadi
KHITABAH: Khazanah Penelitian Perbankan Syariah Vol 2 No 1 (2025): Juni 2025
Publisher : Sekolah Tinggi Agama Islam Putra Galuh Ciamis

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.61580/khitabah.v2i1.161

Abstract

This research aims to explore the role of information management learning in enhancing student competency in the Sharia Banking Study Program at STAI Putra Galuh Ciamis. As the sharia banking industry increasingly demands skills in information management and utilization, information management learning becomes a crucial aspect in equipping students with relevant competencies. This study employs a quantitative approach using a survey method involving students and lecturers at STAI Putra Galuh Ciamis. The results show that information management learning plays a significant role in improving students' skills in data management, information analysis, and the application of technology in accordance with sharia principles. Furthermore, teaching methods that integrate case studies and direct practical application are able to strengthen students' understanding in processing information that supports sharia banking operational activities. The implications of these findings highlight the importance of strengthening the curriculum to include information management to produce competent graduates ready to compete in the sharia finance industry
KOMPETENSI DAN MOTIVASI KERJA SEBAGAI PREDIKTOR KINERJA PEGAWAI LEMBAGA KURSUS DAN PELATIHAN KABUPATEN CIAMIS Acim Acim; Apri Budianto; Nana Darna
KHITABAH: Khazanah Penelitian Perbankan Syariah Vol 2 No 1 (2025): Juni 2025
Publisher : Sekolah Tinggi Agama Islam Putra Galuh Ciamis

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.61580/khitabah.v2i1.163

Abstract

Penelitian ini mengkaji pengaruh kompetensi dan motivasi kerja terhadap kinerja pegawai di Lembaga Kursus dan Pelatihan (LKP) Kabupaten Ciamis, mengingat peran krusial LKP dalam peningkatan kualitas SDM. Urgensi penelitian ini muncul dari disparitas antara standar kompetensi yang diharapkan dengan kemampuan aktual, serta tantangan rendahnya motivasi kerja, yang berdampak pada kualitas lulusan LKP. Penelitian kuantitatif ini menggunakan metode survei deskriptif untuk menggambarkan fenomena yang terjadi. Teknik analisis data yang diterapkan meliputi koefisien korelasi, koefisien determinasi, uji-t, regresi linier ganda, koefisien korelasi ganda, dan uji-F. Hasil penelitian menunjukkan bahwa kompetensi, motivasi kerja, dan kinerja tenaga pendidik serta kependidikan di LKP Kabupaten Ciamis seluruhnya berada pada kategori sangat tinggi. Secara spesifik, temuan menunjukkan bahwa (1) kompetensi berpengaruh positif dan signifikan terhadap kinerja, (2) motivasi kerja juga berpengaruh positif dan signifikan terhadap kinerja, dan (3) kompetensi dan motivasi kerja secara simultan berpengaruh signifikan terhadap kinerja pegawai. Implikasi penelitian ini menekankan pentingnya mempertahankan dan meningkatkan kompetensi serta motivasi untuk mengoptimalkan kontribusi LKP di Kabupaten Ciamis
ANALISIS KRISIS KEPERCAYAAN GEN Z TERHADAP SELF-CLAIM HALAL FOOD VLOGGER KULINER NON-SERTIFIKASI Misbahul Khoer; Ella Nurlaela; Acim Acim
KHITABAH: Khazanah Penelitian Perbankan Syariah Vol 3 No 1 (2026): Juni 2026
Publisher : Sekolah Tinggi Agama Islam Putra Galuh Ciamis

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.61580/khitabah.v3i1.277

Abstract

The phenomenon of unilateral halal claims (self-claiming halal) by food content creators on social media has sparked epistemic polemics and a crisis of trust among Generation Z Muslim consumers. This study aims to analyze the impact of the rise of these self-assumption-based halal claims on the perception of the legitimacy of non-certified culinary products and the crisis of trust experienced by Generation Z consumers. This study uses a qualitative approach with phenomenological methods and digital content analysis. Data was collected through in-depth interviews with twenty Generation Z Muslim consumer informants and systematic observations on several major social media platforms. The results show that unilateral claims from content creators have created information ambiguity and degraded consumers' halal literacy. Generation Z is experiencing a profound crisis of trust due to the contradiction between the visual narratives presented by content creators and formal regulations from official halal product assurance authorities. These findings indicate a behavioral shift in which Generation Z consumers have adopted a high level of digital skepticism and demand transparency of official certification in every food review content. In conclusion, the validity of halal information in the digital space cannot be replaced by the subjective authority of content creators, and this crisis of trust emphasizes the urgency of strengthening the regulation-based halal product assurance ecosystem to protect consumer rights. This research has contributed to the development of sharia marketing literature related to the dynamics of Muslim consumer behavior in the global digital era.
DETERMINASI MINAT MENGGUNAKAN FINTECH SYARIAH UMKM CIAMIS: INTEGRASI LITERASI DIGITAL DAN PERSEPSI KEMUDAHAN Ihrom Jaelani; Acim Acim; Akmaludin Akmaludin
KHITABAH: Khazanah Penelitian Perbankan Syariah Vol 3 No 1 (2026): Juni 2026
Publisher : Sekolah Tinggi Agama Islam Putra Galuh Ciamis

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.61580/khitabah.v3i1.278

Abstract

This study aims to analyze and empirically test the effect of Islamic financial digital literacy and perceived ease of technology use, both partially and simultaneously, on the interest in adopting Islamic fintech among Micro, Small, and Medium Enterprises (MSMEs) in Ciamis Regency. The research approach used is causal associative quantitative. The population in this study amounted to 42,000 MSME units with a sample of 100 respondents determined through the Slovin formula using purposive sampling technique. Data collection was conducted using a Likert scale questionnaire. Data analysis was performed through classical assumption tests, multiple linear regression analysis, and hypothesis testing using IBM SPSS software. The results showed that partially, Islamic financial digital literacy had a positive and significant effect on adoption interest (t = 2.879; sig = 0.005). Similarly, the perceived ease of technology use proved to have a partial positive and significant effect (t = 11.257; sig = 0.000). Simultaneously, both variables significantly influenced the interest in adopting Islamic fintech (F = 94.860; sig = 0.000). The R Square value of 0.662 indicates that the contribution of Islamic financial digital literacy and perceived ease of technology use in explaining variations in Islamic fintech adoption interest in Ciamis Regency is 66.2%, while the remaining 33.8% is explained by other variables outside this research model. The conclusion of this study confirms that the readiness of Islamic cognitive capacity and the practicality of the application are the main determinants driving digital financial inclusion in the local MSME ecosystem.
DAMPAK LITERASI KEUANGAN SYARIAH DAN AKSESIBILITAS DIGITAL TERHADAP INKLUSI PERBANKAN SYARIAH CIAMIS Acim Acim; Akmaludin Akmaludin; Ihrom Jaelani
KHITABAH: Khazanah Penelitian Perbankan Syariah Vol 3 No 1 (2026): Juni 2026
Publisher : Sekolah Tinggi Agama Islam Putra Galuh Ciamis

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.61580/khitabah.v3i1.280

Abstract

This study aims to analyze and empirically test the effect of Islamic financial literacy and digital service accessibility, both partially and simultaneously, on Islamic banking financial inclusion among the community in Ciamis Regency. The research approach used is quantitative with a causal associative method. Since the exact population size is unknown, the minimum sample size was determined using the Cochran formula, which was then rounded to 100 respondents using a purposive sampling technique. Primary data collection was conducted through the distribution of a structured Likert-scale questionnaire. The collected data were analyzed using classical assumption tests, multiple linear regression analysis, and hypothesis testing with the assistance of IBM SPSS software. The results showed that partially, Islamic financial literacy had a positive and significant effect on Islamic banking financial inclusion (t = 2.702; sig = 0.008). Similarly, digital service accessibility proved to have a partial positive and highly dominant significant effect (t = 11.461; sig = 0.000). Simultaneously, both variables significantly influenced Islamic banking financial inclusion in Ciamis Regency (F = 96.330; sig = 0.000). The R Square value of 0.665 indicates that the combined cognitive contribution of Islamic financial literacy and digital accessibility infrastructure in explaining variations in Islamic banking financial inclusion is 66.5%, while the remaining 33.5% is explained by other variables outside this research model. The conclusion of this study confirms that expanding Islamic banking financial inclusion in semi-urban areas requires an absolute balance between strengthening the spiritual values of Islamic finance and providing reliable digital technology infrastructure.
EFEKTIVITAS ZAKAT PRODUKTIF DAN KUALITAS PENDAMPINGAN TERHADAP KEMANDIRIAN EKONOMI MUSTAHIK DI KABUPATEN CIAMIS Kikin Mutakin; Acim Acim; Akmaludin Akmaludin
KHITABAH: Khazanah Penelitian Perbankan Syariah Vol 3 No 1 (2026): Juni 2026
Publisher : Sekolah Tinggi Agama Islam Putra Galuh Ciamis

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.61580/khitabah.v3i1.282

Abstract

This study aims to analyze and empirically test the effect of the effectiveness of productive zakat and the quality of mentoring, both partially and simultaneously, on the economic independence of mustahik in Ciamis Regency. The research approach used is quantitative with a causal associative method. The population in this study were mustahik recipients of the productive zakat program in Ciamis Regency with a sample of 100 respondents determined using the Slovin formula and purposive sampling technique. Data collection was carried out by distributing questionnaires with a Likert scale. Data analysis was carried out using classical assumption tests, multiple linear regression analysis, and hypothesis testing with the help of IBM SPSS software. The results of the study indicate that partially the effectiveness of productive zakat has a positive and significant effect on the economic independence of mustahik (t = 4.420; sig = 0.000). The quality of mentoring is also proven to have a positive and significant effect on the economic independence of mustahik (t = 7.102; sig = 0.000). Simultaneously, the effectiveness of productive zakat and the quality of mentoring significantly influence the economic independence of mustahik (F = 35.487; sig = 0.000). The R Square value of 0.423 indicates that the contribution of the effectiveness of productive zakat and the quality of mentoring in explaining the variation in economic independence of mustahik is 42.3%, while the remaining 57.7% is influenced by other factors outside the research model. The conclusion of this study confirms that the success of the mustahik economic empowerment program is not only determined by the effectiveness of productive zakat distribution, but is also greatly influenced by the quality of the mentoring provided. Therefore, the integration between appropriate business capital assistance and quality mentoring is an important factor in encouraging the realization of economic independence of mustahik in Ciamis Regency.
Co-Authors Akmaludin Akmaludin Apri Budianto, Apri Asep Nursobah, Asep Atiqoh Laely Dodi Mulyadi Ella Nurlaela Endang Masluh Efendi Esih Sukaesih Febriani, Vira Gandini, Lilis Sri Dewi Harun Nur Jamiel Herniawati, Ani Hidayat, O.Rahmat Ihrom Jaelani jurnal khitabah Kikin Mutakin Kikin Mutakin Koswara, Pupu Krisdayanti, Dede Moh Najib Mubaarok, Saeful Huda Nana Darna Nurlatifah Nurlatifah Nurrohman Syarif, Nurrohman Permana Rahman, Aditya Popong Komariah Ridwan, Ahmad Hasan Rismayanti Rismayanti Rohani, Asep Sari Damayanti Sri Mulyati Taufik Hidayat, Rida Yuliasari, Tia