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All Journal e-Jurnal Perspektif Ekonomi dan Pembangunan Daerah Jurnal Manajemen Terapan dan Keuangan Jurnal Paradigma Ekonomika J-MAS (Jurnal Manajemen dan Sains) Bertuah : Jurnal Syariah dan Ekonomi Islam AL-FALAH : Journal of Islamic Economics Iqtishaduna : Jurnal Ilmiah Mahasiswa Hukum Ekonomi Syariah International Journal of Social Service and Research Proceeding International Seminar of Islamic Studies Jurnal Perspektif Pembiayaan dan Pembangunan Daerah Legal Protection for the Partnership Agreement Parties Maqdis: Jurnal Kajian Ekonomi Islam Journal of Business Studies and Management Review Money: Journal of Financial and Islamic Banking NAJAHA IQTISHOD : Journal of Islamic Economic and Finance Neraca: Jurnal Ekonomi, Manajemen dan Akuntansi Jurnal Ilmiah Ekonomi dan Manajemen Maslahah: Jurnal Manajemen dan Ekonomi Syariah Neraca Manajemen, Akuntansi, dan Ekonomi JPM MOCCI : Jurnal Pengabdian Masyarakat Ekonomi, Sosial Sains dan Sosial Humaniora, Koperasi, dan Kewirausahaan JUAN: Jurnal Pengabdian Nusantara Asian Journal of Management, Entrepreneurship and Social Science Jurnal Pengembangan dan Pengabdian Masyarakat Journal of Shariah Economics
Paulina Lubis
Universitas Jambi
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Perceived Islamic financial knowledge, Islamic financial service utilization, and women’s economic empowerment among women micro-and small-enterprise owners in Jambi Amri, Ari Dean; Lubis, Paulina; Isnaeni, Nurida; Pratiwi, Heni; Silvera, Dica Lady; Suardi, Vivi Paramita
Jurnal Perspektif Pembiayaan dan Pembangunan Daerah Vol. 14 No. 3 (2026): Jurnal Perspektif Pembiayaan dan Pembangunan Daerah
Publisher : Program Magister Ilmu Ekonomi Pascasarjana Universitas Jambi

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.22437/ppd.v14i3.50991

Abstract

This study examines the relationships between perceived Islamic financial knowledge, Islamic financial service utilization, and women’s economic empowerment among women micro- and small-enterprise owners in Jambi Province, Indonesia. It distinguishes respondents’ perceived knowledge of Islamic finance from their self-reported use of Islamic financial products and services. A quantitative cross-sectional design was employed, supplemented by follow-up semi-structured interviews to provide contextual insight into the quantitative findings. Survey data were collected from 149 women entrepreneurs operating micro and small enterprises with prior experience using Islamic financial services and were analyzed using Partial Least Squares Structural Equation Modeling (PLS-SEM). We then conducted follow-up semi-structured interviews with 12 purposively selected survey participants to contextualize the observed relationships. The results show that perceived Islamic financial knowledge and Islamic financial service utilization are both positively and significantly associated with women’s economic empowerment. Islamic financial service utilization exhibits the larger estimated association, suggesting that more extensive reported use of Islamic financial services is more closely associated with empowerment than perceived financial knowledge alone. Participants in the follow-up interviews described institutional reach, financing procedures, digital access, and business assistance as contextual conditions that may facilitate or constrain the use of Islamic financial services. By empirically distinguishing perceived financial knowledge from self-reported service utilization, this study provides a more precise account of their respective relationships with women’s economic empowerment. The findings suggest that practical Islamic financial education should be complemented by measures that facilitate the informed, sustained, and productive use of appropriate Islamic financial services among women-owned micro and small enterprises.
Determinasi Kemiskinan Di Provinsi Jambi: Analisis Indeks Pembangunan Manusia (IPM), Pengangguran, Dan Pertumbuhan Produk Domestik Regional Bruto (PDRB) Dalam Perspektif Ekonomi Islam M. Hafis Jakala; Nurida Isnaeni; Paulina Lubis; Ary Dean Amri
JOURNAL OF SHARIA ECONOMICS Vol 5 No 1 (2023): Journal of Sharia Economics
Publisher : Program Studi Ekonomi Syariah, Fakultas Ekonomi dan Bisnis Islam, Universitas Al Hikmah Indonesia

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.35896/jse.v5i1.1395

Abstract

Poverty remains a major issue in regional economic development, including in Jambi Province. Poverty levels are influenced by various factors such as the quality of human resources, employment opportunities, and regional economic growth. This study aims to analyze the influence of the Human Development Index (HDI), unemployment, and Gross Regional Domestic Product (GRDP) on the poverty level in Jambi Province from an Islamic economic perspective. This study uses a quantitative approach with a panel data method in districts/cities in Jambi Province for the period 2015–2025. The data analysis technique used is multiple linear regression with classical assumption testing, simultaneous tests, partial tests, and coefficients of determination. The results show that the Human Development Index (HDI) has a negative and significant effect on poverty, while the unemployment rate has a positive and significant effect on poverty. Meanwhile, Gross Regional Domestic Product (GRDP) has a positive but insignificant effect on poverty. Simultaneously, these three variables have a significant effect on the poverty level in Jambi Province. From an Islamic economic perspective, poverty alleviation is not only carried out through increasing economic growth, but also through equitable income distribution, improving the quality of human resources, and implementing the principles of social justice and welfare (falah). This research is expected to be a consideration for local governments in formulating more effective and equitable poverty alleviation policies
TINGKAH LAKU KONSUMTIF FAST FASHION DI KALANGAN MASYARAKAT PADA FENOMENOLOGI TENTANG GAYA HIDUP FAST FASHION MAHASISWA JAMBI Primadi Prasetio; Paulina Lubis; Maimunah Permata Hati Hasibuan
JUAN: Jurnal Pengabdian Nusantara Vol. 2 No. 3 (2025): July 2025
Publisher : CV Sentra Nusa Connection

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.63545/juan.v2.i3.161

Abstract

Industri fashion kini menjadi tren yang digemari, terutama di kalangan mahasiswa. Kecenderungan mengikuti tren memicu fenomena fast fashion, yaitu pembelian pakaian secara cepat dan sering, yang mendorong perilaku konsumtif dan meningkatkan limbah tekstil. Kegiatan ini bertujuan mengkaji pengetahuan mahasiswa di Kota Jambi tentang dampak lingkungan dari kebiasaan belanja mereka serta faktor penyebab ketertarikan terhadap fast fashion. Metode yang digunakan menggunakan pendekatan gabungan yakni penyuluhan, sosialisasi dimana membangun penyadartahuan masyarakat tentang gaya hidup dalam berbelanja dengan fokus CLTS (Community-Led Total Sanitation).Hasil menunjukkan bahwa sebagian besar mahasiswa belum menyadari dampak lingkungan dari perilaku konsumtif mereka. Oleh karena itu, diperlukan edukasi dan kampanye kesadaran untuk mendorong pola konsumsi fashion yang lebih ramah lingkungan.
Pengaruh Kualitas Layanan, Keragaman Produk, dan Keamanan Mobile Banking terhadap Kepuasan Nasabah pada Bank Muamalat Kantor Cabang Pembantu Muara Bungo Khayla Nuzulul Maharani; Paulina Lubis; Yusuf Zaini Aprizal
Maslahah : Jurnal Manajemen dan Ekonomi Syariah Vol. 4 No. 4 (2026): Oktober: Maslahah : Jurnal Manajemen dan Ekonomi Syariah
Publisher : STAI YPIQ BAUBAU, SULAWESI TENGGARA

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.59059/maslahah.v4i4.3536

Abstract

This study aims to analyze the effect of service quality, product diversity, and Mobile Banking security on customer satisfaction at the Bank Muamalat Sub-Branch Office of Muara Bungo. The method used is quantitative research with an associative approach. Data were obtained through questionnaires distributed to 95 respondents who are customers of Bank Muamalat Sub-Branch Office of Muara Bungo and who use the Mobile Banking service. The sampling technique used was purposive sampling, with the sample size determined through the Slovin formula. Data analysis was conducted using multiple linear regression, t-test, F-test, and the coefficient of determination (R²) with the assistance of IBM SPSS Statistics. The results of the study indicate that service quality has a positive and significant effect on customer satisfaction, product diversity has a positive and significant effect on customer satisfaction, while Mobile Banking security has a positive direction of relationship but does not have a significant partial effect on customer satisfaction. Simultaneously, service quality, product diversity, and Mobile Banking security have a significant effect on customer satisfaction, with a coefficient of determination (R²) of 0.878, indicating that the three independent variables are able to explain 87.8% of the variation in customer satisfaction, while the remaining 12.2% is explained by other factors outside the research model.
Tata Kelola Zakat, Infaq, dan Sedekah Terhadap Kesejahteraan Anak Asuh di Panti Asuhan Izzati Jannah Kota Jambi Nofri Yantara Anggara; Nurida Isnaeni; Paulina Lubis
Bertuah: Jurnal Syariah dan Ekonomi Islam Vol. 6 No. 2 (2025): Bertuah: Jurnal Syariah dan Ekonomi Islam
Publisher : Institut Agama Islam Negeri Datuk Laksemana Bengkalis, Indonesia

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.56633/jsie.v6i2.1263

Abstract

Penelitian ini bertujuan untuk mengetahui dan menganalisis bagaimana tata kelola Zakat, Infak, dan Shadaqah, kendala dan hambatan yang dihadapi Panti Asuhan Izzati Jannah serta upaya yang dapat dilakukan dalam memenuhi kebutuhan anak asuh oleh Panti Asuhan Izzati Jannah Kota Jambi. Metode penelitian yang digunakan dalam penelitian ini ialah penelitian kualitatif pendekatan deskriptif serta menggunakan SWOT sebagai teknik analisis. Hasil penelitian ini menunjukan bahwa pada proses kegiatan tata kelola dana ZIS dalam memenuhi kesejahteraan anak asuh adalah mengelola dana Panti yang terdiri dari dana Zakat, Infak, dan Shadaqah. Sumber penerimaan dana Infak berasal dari masyarakat kelurahan selamet, dari Kantor Dinas Sosial, donatur dinas Kota Jambi dengan kendala dan hambatan yang dihadapi Panti dalam sumber pendanaan ZIS untuk memenuhi kebutuhan terhadap anak asuh dalam proses pelaporan keuangan panti asuhan yang belum dilaporkan dengan proses pembukuan dengan baik sehingga sampai saat ini laporan keuangan panti asuhan tidak dibuat, dan upaya yang dilakukan dalam memenuhi kebutuhan anak asuh yakni dengan memberikan pemenuhan penyediaan pendidikan yang berkualitas, dengan mengetahui dan membandingkan kekuatan, kelemahan, peluang dan ancaman yang menciptakan empat tata kelola zakat, infaq, dan sedekah terhadap kesejahteraan anak asuh antara lain: (1) Strategi SO (Strenght-Opportunities) Pengurus Panti dapat membuat kegiatan program anak asuh dari saldo yang cukup, (2) Strategi WO (Weakness-Opportunities) Optimalisasi pengurus dalam memberikan penguatan pelatihan kepada para pengurus panti, (3) Strategi ST (Strenght-Threat) Pengurus memberikan fasilitas yang senyaman mungkin kepada para anak panti asuhan, (4) Strategi WT (Weakness-Threat) Pengurus menjaga dan mengelola keuangan dengan baik dan transparansi.
Analisis Strategi Meningkatkan Minat Masyarakat Seberang Kota Jambi Terhadap Bank Syariah Ayu Marta; Lucky Enggrani Fitri; Paulina Lubis
JOURNAL OF SHARIA ECONOMICS Vol 6 No 1 (2024): Journal of Sharia Economics
Publisher : Program Studi Ekonomi Syariah, Fakultas Ekonomi dan Bisnis Islam, Universitas Al Hikmah Indonesia

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.35896/jse.v6i1.794

Abstract

This research aims to determine the factors causing the low of interest of the people of Seberang Jambi City towards Sharia Banks, to find out and analyze opportunities, challenges and strategies that can be implemented to increase the interest of the people of Seberang Jambi City. This research uses a qualitative approach. The data source used in this research is primary. Data collection techniques were carried out using observation, interviews and documentation methods. The data analysis technique used in this research is SWOT analysis. The results of this research show that there are 2 factors causing the low interest of the people of Seberang Jambi City, namely internal and external factors. Internal factors namely; work encouragement factors, social environment encouragement and trust. Meanwhile, external factors causing the low interest of people across Jambi City in Sharia Banking are; Sharia Bank knowledge and products, promotion and outreach, location and facilities. The strategy to increase the interest of the people across Jambi City in Syariah Banking is to carry out regular outreach about sharia banking products, collaborate with all Islamic boarding school institutions across Jambi City, promote through distributing brochures and social media, and increase ATMs at strategic points .
Co-Authors Aditya Pratama Afi Parnawi Agil Teguh Al Romandon Alawi Amzah, Rudi Amri Amir Amri Amir Amri Amir Amri Amir Amri, Ari Dean AMRI, ARY DEAN Ananta Putri, Sashi Andayani, Regina Andre Prianto Anggraini, Rizki Anzari, Tiza Aprizal, Yusuf Zaini Arfah Arfah . Arfah, Arfah Atika Ratu Kinanti Ayu Marta Ayyuasy Putri Chairiyati, Fauziah Darwisyah Darwisyah, Darwisyah Devi Rahmawati, Devi Elsa Sonya Carentina Emilia Hamzah Enggraini Fitri, Luky Enggrani Fitri, Lucky Erfit Erfit Eva Eliza Evalina Alissa dan Arrie Budhiartie Evi Yulianti Fadillah Fadillah Fitri, Lucky Enggraini Frisca D. Br. Silalahi Hajar, Tarisa Hani Iftita Ilma Fajriati Indah Nuraini, Indah Intan Intan Junaidi Junaidi Khayla Nuzulul Maharani Khori Perdana Lucky Enggrani Fitri Lucky Enggrani Fitri Lucky Enggrani Fitri M. Hafis Jakala Maimunah Permata Hati Hasibuan Mohd Alfarabi Ambiya Muhammad Al Fidayeen Akbar Muhammad Iqbal Musdalifah Musdalifah Natasha Aurora Geraldine Ngatinah Ngatinah Nofri Yantara Anggara Novita Sari Nurdiani Nurdiani Nurdinia, Rahma Nurhasanah Nurhasanah Nurida Isnaeni Padlan, Muhammad Pahmi, Ismail Pratiwi, Heni Primadi Prasetio Puspita, Duwi Putri, Ramadani Asriani Rafiki, Rafiki Rafiqi Rafiqi Rafiqi . Rafiqi Rafiqi Ramadhani Surya, Natasya Ramansyah, Dian Raudhatul Jannah, Dhivani Ridhwan Ridhwan Rizal, Muhammad Afitrah Roihan, Muhammad Rudianto Rudianto Sigit Indrawijaya Sildaina Mutmainnah Silvera, Dica Lady Suardi, Vivi Paramita Syahira Oksaniska Syukri Amri, Adi Ihsan Tiara Assyfa Utari, Ramadhita Dwi Vina Nuratika Wahyu Alkautsar Werta Aprianti Widiastuti, Fitri Wulansari, Astri Yolanda, Mela Zami Aprizal, Yusuf