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All Journal Ilomata International Journal of Management Jurnal Pengabdian Masyarakat Ekonomi dan Bisnis Digital Efficient: Indonesian Journal of Development Economics Pelita : Jurnal Penelitian, Terapan dan Aplikatif LAN TABUR: JURNAL EKONOMI SYARIAH
Zulfahmi
Universitas Terbuka
Decision Sciences, Operations Research & Management Economics, Econometrics & Finance Education Languange, Linguistic, Communication & Media Social Sciences

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Kajian Etika Kebajikan dan Prinsip Universalisme Islam dalam Pelayanan Rumah Sakit (Studi Kasus Rumah Sakit Umum Hartati Medical Centre, Rantauprapat, Sumatera Utara) Irwansyah Putra; Lucky Nugroho; Zulfahmi
Pelita : Jurnal Penelitian, Terapan dan Aplikatif Vol. 1 No. 1 (2024): Pelita Journal February 2024
Publisher : Baca Dulu Publisher

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.70550/pelita.v1i1.22

Abstract

The aim of this research article is to determine the trend of non-Muslim patients and the level of service satisfaction for registration officers at RSU HMC, Rantaprapat. The problem formulation in this research includes (i) How many non-Muslim patients are there at HMC General Hospital during 2021 to 2023? (ii) How does the registration officer provide services to non-Muslim patients? The research methods used. Next, a quantitative method using secondary data to collect information regarding the number of patients and using a questionnaire to measure satisfaction of non-Muslim patients. The results of this study show that the number of non-Muslim patients has increased. In addition, the results of the questionnaire show that the overall service of registration officers at RSU HMC is 85%, which means that the majority of non-Muslim patients are satisfied with the service. This research also provides practical implications that can be directly applied by hospital management to improve service quality and internal policies. The novelty of this research relates to experiences and attitudes towards non-Muslim patients which have not been studied much before.
OPTIMIZING THE ROLE OF BUMDES IN STRENGTHENING THE DIGITAL ECONOMY: INSIGHTS FROM THE PHILIPPINES COMMUNITY BEST PRACTISE. Meirani Harsasi; Sahraman D. Hadji Latif; Zulfahmi; Andy Mulyana; Novita Nugraheni; I Wayan Sudiana; Komang Agus Rudi Indra Laksana
Jurnal Pengabdian Masyarakat Ekonomi dan Bisnis Digital Vol. 2 No. 1 (2025): Maret
Publisher : Yayasan Nuraini Ibrahim Mandiri

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.70248/jpmebd.v2i1.2097

Abstract

This service activity aims to increase the capacity of Village-Owned Enterprises (BUMDes) in encouraging the digital economy of the community in Badung Regency, Bali, by adapting best practices from the Philippines. The methods applied include digital literacy training for BUMDes administrators and the community, the development of internet infrastructure and digital management systems, mentoring by experts from the Philippines, and multi-stakeholder collaboration between the government and the private sector. The results obtained show that the operational capacity of BUMDes that adopt technology by the community is reflected in the growth and involvement of 21 BUMDes in active collaboration in the programs implemented. However, the challenges faced in this activity include the gap in internet infrastructure which is still an obstacle, as well as the existence of cultural resistance among the community to digital-oriented change. This activity succeeded in creating an effective replication model for the sustainable development of a BUMDes-based digital economy to boost the local economy and enhance the well-being of the village community. In this context, continuous support from various parties, including local governments and the private sector, is key to overcoming existing challenges and accelerating the transformation of the digital economy in Badung Regency. This effort is expected to realize BUMDes that are more adaptive and innovative in the digital era.
Sharia Financing Access and Sharia Financial Literacy on MSME Performance: The Mediating Role of Sharia Financial Inclusion among MSME Actors in Aceh Province Zulfahmi; Rahmad Purnama; Alfian Sani
Lan Tabur: JURNAL EKONOMI SYARIAH Vol. 8 No. 1 (2026): September
Publisher : LAN TABUR: Jurnal Ekonomi Syariah The Islamic University of KH. Achmad Muzakki Syah Jember, East Java. Jember Jln. Manggar Gebang Poreng 139A Patrang Jember Jawa Timur

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.53515/lt.v8i1.223

Abstract

Introduction: Aceh Province has implemented a fully sharia-based financial system since the enactment of Aceh Qanun Number 11 of 2018, making sharia financing access and sharia financial literacy critical factors for the performance of micro, small, and medium enterprises (MSMEs). This study aims to examine the effect of Sharia financing access and Sharia financial literacy on MSME performance, both directly and through the mediation of Sharia financial inclusion. Methods: The study employed a quantitative confirmatory approach with a cross-sectional survey of 378 MSME actors in Aceh Province, analysed using Partial Least Squares Structural Equation Modelling (PLS-SEM) via SmartPLS 4. Results: Bootstrapping results (5,000 resamples) show that Sharia Financing Access and Sharia Financial Literacy have a positive and significant effect on both Sharia Financial Inclusion and MSME Performance, and that Sharia Financial Inclusion also has a positive and significant effect on MSME Performance while partially mediating the effect of both exogenous predictors. All model quality criteria (reliability, discriminant validity, and model fit) were well satisfied. Conclusion and suggestion: These findings confirm the central role of sharia financial inclusion as a strategic bridge toward improved MSME performance, while offering practical implications for sharia financial institutions and Aceh's local government in designing policies to strengthen sharia financial access, literacy, and inclusion among MSME actors. Future research is recommended to extend the model with additional variables and adopt a longitudinal design to strengthen the generalizability of these findings.
Development of a MSMEs Digitalization Transformation Model: Optimization of The Use of Crowdfunding as an Alternative to Information Technology Based Capital Solutions Zulfahmi; Hubertina Karolina Ngarbingan; Ginta Ginting; Sri Ismulyati; Mohamad Nasoha
Ilomata International Journal of Management Vol. 5 No. 3 (2024): July 2024
Publisher : Yayasan Sinergi Kawula Muda

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.61194/ijjm.v5i3.1275

Abstract

Digitalization of MSMEs is one strategy to accelerate the development of MSMEs in an inclusive and massive manner. The Financial Technology (Fintech) phenomenon in recent years has encouraged the emergence of various new services in the financial sector, including Crowdfunding. Crowdfunding is the practice of raising funds or investment by utilizing a site or website. Currently, it is indicated that there is still very little use of crowdfunding among MSMEs players. For this reason, a comprehensive study is needed regarding the importance of MSMEs utilizing Crowdfunfing as an alternative to overcome capital problems. Research design used is mix method (descriptive non experimental and judgement sampling). Sample are selecting by non-random sampling (judgment sampling). Based on the results of a survey involving 71 business doers, most of them are managers and owners, included the category of small and medium business doers with 50 to 100 employees, it was found that most of these business doers were familiar with crowdfunding as an easily accessible funding alternative. The results of the analysis using SEM-PLS, interesting findings were obtained that perceptions and aspects of technology and entrepreneurship from business actors had a positive effect on interest in using crowdfunding. Recommendations for future research are the need to research the role of capital markets and regulations, which in this research were assessed as having not been optimally socialized by MSMEs players. The point is that in the future MSMEs players must be given space to gain access to funding through crowdfunding in an inclusive manner.
Did Monetary Policy Stabilize Inflation during the COVID-19 Pandemic? Evidence from Indonesia Afaqa Hudaya; Zulfahmi; Etty Puji Lestari
Efficient: Indonesian Journal of Development Economics Vol. 9 No. 2 (2026)
Publisher : Universitas Negeri Semarang

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.15294/efficient.v9i2.42552

Abstract

This study examines the relationship between monetary policy and inflation in Indonesia during the COVID-19 period, from March 2020 to June 2023, over the short and long term. It focuses on how interest rates, money supply, and exchange rates influence inflation and identifies which factor is most effective. Using Indonesian monthly time-series data, the analysis employs econometric methods, including an error correction model, to assess stationarity, long-term relationships, and cointegration. The results show that the exchange rate is the most influential driver of inflation in both the short and long run, while interest rate policy is less effective, especially during crises. These findings challenge the conventional view that interest rate adjustments alone can stabilize inflation, emphasizing the critical role of exchange rate management. The study also finds that changes in the exchange rate begin to affect inflation within five periods, indicating a rapid short-term transmission. Overall, this research underscores the importance of coordinated monetary and exchange rate policies to maintain price stability and economic resilience in Indonesia, especially during crises.
Co-Authors Afaqa Hudaya Alfian Sani Andy Mulyana Etty Puji Lestari Ginta Ginting Hubertina Karolina Ngarbingan I Wayan Sudiana Irwansyah Putra Komang Agus Rudi Indra Laksana Lucky Nugroho Meirani Harsasi Nasoha, Mohamad Novita Nugraheni Rahmad Purnama Sahraman D. Hadji Latif Sri Ismulyati