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All Journal Community Development Journal: Jurnal Pengabdian Masyarakat JIB : Journal Islamic Banking
Mey Yunanda
Universitas Islam Negeri Sumatera Utara
Humanities Economics, Econometrics & Finance Education Health Professions Public Health

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PERAN MAHASISWA KKN UINSU DALAM MENDUKUNG UMKM DENGAN LAYANAN KEUANGAN DIGITAL DI DESA NAGA KESIANGAN KECAMATAN TEBING TINGGI KABUPATEN SERDANG BEDAGAI Mey Yunanda; M. Fikri Ariga; Pratiwi Ayu Ningtyas; Siti Aisyah
Community Development Journal : Jurnal Pengabdian Masyarakat Vol. 6 No. 6 (2025): Vol. 6 No. 6 Tahun 2025
Publisher : Universitas Pahlawan Tuanku Tambusai

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.31004/cdj.v6i6.54932

Abstract

Kuliah Kerja Nyata (KKN) merupakan wujud pengabdian mahasiswa melalui penerapan ilmu pengetahuan dan teknologi. Pengabdian ini bertujuan untuk mendeskripsikan peran serta mahasiswa KKN Universitas Islam Negeri Sumatera Utara (UINSU) dalam mendorong transformasi digital Usaha Mikro, Kecil, dan Menengah (UMKM) di Desa Naga Kesiangan, Kabupaten Serdang Bedagai, dengan fokus pada pemanfaatan layanan keuangan digital. Permasalahan utama yang dihadapi mitra UMKM adalah rendahnya literasi keuangan digital, keterbatasan penggunaan aplikasi pembayaran non-tunai, serta minimnya pemahaman terhadap layanan perbankan digital. Metode pelaksanaan menggunakan pendekatan partisipatif yang meliputi tahapan sosialisasi, pelatihan, pendampingan, dan praktik langsung penggunaan berbagai layanan seperti dompet digital, QRIS, serta mobile banking. Hasil kegiatan menunjukkan peningkatan yang signifikan dalam pemahaman dan keterampilan teknis pelaku UMKM. Tidak hanya itu, terjadi pula perubahan perilaku transaksi dengan adopsi pembayaran non-tunai yang dianggap lebih praktis dan aman. Simpulan dari kegiatan ini membuktikan bahwa peran mahasiswa KKN UINSU berkontribusi positif dalam mempercepat adopsi keuangan digital pada tingkat UMKM dan mendukung perluasan inklusi keuangan di masyarakat perdesaan.
Analisis Perkembangan Produk dan Layanan Bank Syariah Di Pakistan Tri Wina Sabrina; Mey Yunanda; Ahyarul Juanda Sagala; Khaidar Rahmaini Jamila
Jurnal Perbankan Syariah Vol 5 No 2 (2025): DESEMBER
Publisher : Program Studi Perbankan Syariah, Fakultas Ekonomi dan Bisnis Islam, Institut Agama Islam Nahdlatul Ulama Tuban

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.51675/jib.v5i2.1336

Abstract

Islamic banking in Pakistan has unique characteristics compared to other Muslim countries, as from its early development it was directed toward the Islamization of the entire national banking system. This study aims to analyze the development of Islamic banking products and services in Pakistan as well as the dynamics accompanying it. The research method employed is a descriptive qualitative approach through a literature review, utilizing secondary data obtained from books, scholarly articles, and relevant reports. The results indicate that Islamic banking in Pakistan has experienced significant growth, as reflected in the diversification of financing products such as murabahah, mudarabah, musharakah, and ijarah, as well as savings and investment services and Islamic financial instruments such as sukuk. In addition to functioning as commercial financial institutions, Islamic banks in Pakistan also perform a social role through the management of zakat, waqf, and Islamic social funds. Regulatory support from the State Bank of Pakistan has further contributed to the growth of this sector. Nevertheless, this development continues to face challenges, including limited Islamic financial literacy, the need for product innovation, and competition with conventional banks. This study is expected to contribute to the enrichment of academic literature on Islamic banking and to serve as a reference for the sustainable development of the Islamic banking industry in Pakistan.
Co-Authors Ahyarul Juanda Sagala Khaidar Rahmaini Jamila M. Fikri Ariga Pratiwi Ayu Ningtyas Siti Aisyah Tri Wina Sabrina