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Inovasi Pembiayaan Mudharabah Linked Waqf Novi Febriyanti; Ragil Satria Wicaksana; Fadhilah Nurul Anis; Risma Ruliana; Urwah Al Wusqo; Itam Komalasari
Jurnal Penelitian Ilmu Ekonomi dan Keuangan Syariah Vol. 1 No. 3 (2023): Agustus : Jurnal Penelitian Ilmu Ekonomi dan Keuangan Syariah
Publisher : STAI YPIQ BAUBAU, SULAWESI TENGGARA

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.59059/jupiekes.v1i3.1106

Abstract

Micro, Small and Medium Enterprises (MSMEs) are buying and selling activities and providing services to the community with the aim of making a profit, but the empowerment of MSMEs is not due to the fact that there are still many obstacles, such as the difficulty for MSMEs to obtain financing facilities from financial institutions, so they are forced to take out loans from loan sharks whose interest rates are high and suffocating. thus causing businesses to go out of business, to overcome this problem MSMEs need Islamic financial institutions with a profit sharing scheme, namely mudharabah contracts or financing/investments which are usually mudharabah products found in Islamic Cooperatives, Indonesian Sharia Bank (BSI), Baitul Maal Wat Tamwil (BMT). The Indonesian Muslim Entrepreneurs Community (KPMI) and the Syirkah Bersama Cooperative (KSBB) are both working together to create a new innovation in the form of Mudharabah Linked Waqf which optimizes and manages cash waqf funds in an organized manner so that it is hoped that it can help MSMEs to develop further.
IMPLEMENTASI APLIKASI DIGITAL TRASH MANAGEMENT DI TPS3R GO-SARI DENGAN METODE PARTICIPATORY ACTION RESEARCH Dhina Puspasari Wijaya; Ahmad Subhan Yazid; Dadang Heksaputra; Ragil Satria Wicaksana; Pipit Febriana Dewi
Aplikasia: Jurnal Aplikasi Ilmu-ilmu Agama Vol. 24 No. 2 (2024)
Publisher : UIN Sunan Kalijaga

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.14421/aplikasia.v24i2.3969

Abstract

Effective waste management is a challenge for the manager of the Go-Sari Reduce-Reuse-Recycle Waste Processing Station (TPS3R) in Guwosari Sub-district, especially in managing transaction data and waste-related activities. This research aims to develop and implement the Digital Trash Management application to improve the efficiency of waste management in the area. This research applies the Participatory Action Research (PAR) method that actively involves the community in every stage of the research, from identification of needs, application design, to implementation and evaluation. The application development process was carried out using the Waterfall model, which includes needs analysis, system design, development, testing, and implementation. The evaluation results show that this application is able to improve data recording accuracy and save report processing time. Questionnaire results showed a positive response from the community in implementing the application. The active participation of the community plays a significant role in the success of the implementation, especially in validating the application features to suit local needs. This study concludes that technology integration through a participatory approach is effective in supporting sustainable waste management. ==================================== Pengelolaan sampah yang efektif merupakan tantangan bagi pengelola Tempat Pengolahan Sampah Reduce-Reuse-Recycle (TPS3R) Go-Sari di Kalurahan Guwosari, khususnya dalam pengelolaan data transaksi dan aktivitas terkait sampah. Penelitian ini bertujuan untuk mengembangkan dan mengimplementasikan aplikasi Digital Trash Management guna meningkatkan efisiensi pengelolaan sampah di kawasan tersebut. Penelitian ini menerapkan metode Participatory Action Research (PAR) yang melibatkan masyarakat secara aktif dalam setiap tahapan penelitian, mulai dari identifikasi kebutuhan, perancangan aplikasi, hingga implementasi dan evaluasi. Adapun proses pengembangan aplikasi dilakukan dengan model Waterfall, yang mencakup analisis kebutuhan, desain sistem, pengembangan, pengujian, dan implementasi. Hasil evaluasi menunjukkan bahwa aplikasi ini mampu meningkatkan akurasi perekapan data serta menghemat waktu pengolahan laporan. Hasil kuisioner menunjukkan respon positif dari masyarakat dalam implementasi aplikasi. Partisipasi aktif masyarakat berperan signifikan dalam keberhasilan implementasi, terutama dalam memvalidasi fitur aplikasi agar sesuai dengan kebutuhan lokal. Penelitian ini menyimpulkan bahwa integrasi teknologi melalui pendekatan partisipatif efektif dalam mendukung pengelolaan sampah berkelanjutan.
GENERATION Z’s INTEREST IN ISLAMIC MOBILE BANKING: A STUDY ON THE BYOND BY BSI APPLICATION Fadhilah Nurul Anisa; Ragil Satria Wicaksana; Farah Nur Syafi’ah Wijayanti; Ratih Purbowisanti
Jurnal Ilmu Manajemen (JIMMU) Vol. 10 No. 1 (2025): Jurnal Ilmu Manajemen (JIMMU)
Publisher : Magister Manajemen Universitas Islam Malang

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.33474/jimmu.v10i1.23462

Abstract

This study examines the influence of sharia service quality and technological ease of use on the interest in using the BYOND by BSI application, with customer satisfaction as a moderating variable. Employing a quantitative approach with purposive sampling, the research involved 120 Generation Z customers of Bank Syariah Indonesia in Yogyakarta. Data were analyzed using Partial Least Squares Structural Equation Modeling (PLS-SEM) via SmartPLS 4.0. Findings reveal that both sharia service quality and ease of use significantly and positively affect user interest in the application. Customer satisfaction also has a positive impact on interest. However, satisfaction does not moderate the relationship between the independent variables and user interest. This indicates that satisfaction neither strengthens nor weakens the effect of service quality and ease of use on user interest. The results suggest that for Generation Z users of Islamic mobile banking, ease of use and adherence to sharia principles are primary determinants of interest, regardless of satisfaction levels. Therefore, mobile banking development should emphasize user convenience and the consistent integration of Islamic features. Future research is encouraged to explore additional variables such as perception, security, and trust as potential mediators or moderators, and to expand the respondent base beyond Yogyakarta with a larger sample size