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All Journal Jurnal Ekonomi, Manajemen, Bisnis dan Akuntansi (JEMBA) Jurnal Cakrawala Ilmiah Jurnal Sains Student Research Jurnal Akademik Pengabdian Masyarakat
Wina Sari Asmara
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Humanities Computer Science & IT Economics, Econometrics & Finance Education Industrial & Manufacturing Engineering Languange, Linguistic, Communication & Media Law, Crime, Criminology & Criminal Justice Public Health Social Sciences Other

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PENGARUH INDUSTRI BATU BATA TERHADAP PENINGKATAN PENDAPATAN MASYARAKAT DI DESA RAMBAHAN KECAMATAN MUARA BULIAN Alfazri Rahmadani; Wina Sari Asmara; M. Andriansyah; Raden Hebat
JEMBA: JURNAL EKONOMI, MANAJEMEN, BISNIS DAN AKUNTANSI Vol. 3 No. 3: Mei 2024
Publisher : Bajang Institute

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.53625/jemba.v3i3.7893

Abstract

This research is quantitative research with a survey approach. The research population is people who work in the brick industry in Rambahan Village. The research sample uses a saturated sample where all members of the population are sampled, namely 60 people. The research results show that, partially, the brick industry has a significant effect on increasing people's income by 48.6%. Simultaneously there is a significant influence between the brick industry on increasing people's income by 17.5%, with the obtained value of fcount>ftable (12.311>3.16). This shows reject H0 and accept Ha. This means that there is a significant influence between the brick industry together (simultaneously) on increasing people's income in Rambahan Village. Where if the brick industry gets better, the increase in people's income in Rambahan Village will also be better. Meanwhile, the remaining 82.5% was influenced by other variables not included in this research
PENGARUH PENGGUNAAN DEBIT CARD DAN E-WALLET TERHADAP PERILAKU KONSUMTIF MAHASISWA FAKULTAS EKONOMI DAN BISNIS ISLAM UNIVERSITAS ISLAM BATANG HARI Wina Sari Asmara; Raden Hebat Kurnia; Alfi rochmi
Jurnal Cakrawala Ilmiah Vol. 4 No. 4: Desember 2024
Publisher : Bajang Institute

Show Abstract | Download Original | Original Source | Check in Google Scholar

Abstract

The development of economy in the world, both in developed and developing countries, cannot be separated from the role of money. Money, which is a means of exchange/payment, continues to develop. Technological advances make it easier for Indonesian people to do transactions. cashless payments are made not using money as a means of payment but can be done using a Debit Card by means of inter-bank transfers or intra-bank transfers via the bank's internal network. Beside of that, cashless payments can also use fintech in the form of E-Wallet (Electronic Wallet). This research aims to analyze the influence of Debit cards and e-Wallets on the consumptive behavior of students at the Faculty of Islamic Business Economics, Institut Agama Islam Nusantara Batang Hari who actively use Debit Cards and E-Wallets. This research is quantitative research, with multiple linear regression analysis techniques. The sampling technique in this research is purposive sampling. The results of the research show that, partially, Debit Cards have a significant effect on student consumptive behavior is 22.3%. E-Wallet has a significant effect on student consumption behavior is 26.0%. Simultaneously, there is a significant influence between Debit Card and E-Wallet on student consumptive behavior is 64.9%, with the obtained value of fcount>ftable (71.201>3.115). This shows reject H0 and accept Ha. This means that there is a significant influence between Debit Card and E-Wallet together (simultaneously) on the consumptive behavior of students at the Faculty of Economics and Islamic Business Batang Hari Islamic University
Sosialisasi Pengenalan Transaksi Riba yang Dilarang Secara Syariah bagi Ibu-Ibu Rumah Tangga Raden Hebat Kurnia; Wina Sari Asmara
JURNAL AKADEMIK PENGABDIAN MASYARAKAT Vol. 3 No. 6 (2025): November
Publisher : CV. KAMPUS AKADEMIK PUBLISING

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.61722/japm.v3i6.6977

Abstract

This community service activity aims to provide a deeper understanding for housewives regarding the concept, risks, and prohibition of usurious (riba-based) transactions from the perspective of Islamic economics. The background of this activity arises from the low level of public knowledge, especially among housewives, in distinguishing between conventional interest-based systems and Islamic economic systems that emphasize justice, balance, and blessings in financial transactions. The implementation method employed a participatory approach through lectures, counseling sessions, and interactive discussions to enhance participants’ comprehension and engagement. The program took place in RT 12, Kampung Baru Village, Muara Tembesi District, Batang Hari Regency, and involved 20 participants from a local women’s religious study group. The results showed a significant improvement in participants’ understanding of the types and prohibitions of riba, as well as its negative impacts on social and economic life. Moreover, participants expressed greater awareness and commitment to applying Islamic economic principles in household financial management. Therefore, this activity contributes to strengthening community literacy in Islamic economics and promoting financial behavior aligned with Islamic values.
SOSIALISASI UPAYA UNTUK MENINGKATKAN LITERASI BANK SYARIAH DI MASYARAKAT PERDESAAN Wina Sari Asmara; Raden Hebat Kurnia; Alfi Rochmi
JURNAL AKADEMIK PENGABDIAN MASYARAKAT Vol. 3 No. 6 (2025): November
Publisher : CV. KAMPUS AKADEMIK PUBLISING

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.61722/japm.v3i6.6980

Abstract

The level of Sharia financial literacy in rural Indonesian communities remains low, leading to minimal utilization of Sharia banking products and services despite their significant potential. This community service initiative aims to enhance Sharia bank literacy among rural communities through comprehensive socialization activities.Implementation methods included an initial survey, interactive outreach on fundamental concepts, principles, and Sharia banking products like Murabahah, Mudharabah, and Ijarah, followed by discussions and distribution of educational materials. The activity results demonstrated a significant increase in community understanding of Sharia banking, evidenced by post-test outcomes and participant enthusiasm.This socialization successfully corrected misconceptions and fostered community interest in utilizing Sharia bank products. In conclusion, this activity effectively improved Sharia banking literacy, which is expected to encourage community participation in the Sharia economy and contribute to rural welfare improvement. Recommendations include sustainable programs, collaboration with local Sharia banks, and the development of more diverse educational materials.
PENGARUH LOKASI DAN KUALITAS PRODUK TERHADAP KEPUTUSAN PEMBELIAN KONSUMEN (Cafe Muntaz Muara Bulian) Raden Hebat Kurnia; Wina Sari Asmara; Iswanto Iswanto
JOURNAL SAINS STUDENT RESEARCH Vol. 3 No. 6 (2025): Jurnal Sains Student Research (JSSR) Desember
Publisher : CV. KAMPUS AKADEMIK PUBLISING

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.61722/jssr.v3i6.7045

Abstract

Penelitian ini dilatarbelakangi oleh persaingan bisnis kuliner yang semakin meningkat sehingga Cafe Muntaz perlu memahami faktor yang memengaruhi keputusan pembelian konsumennya. Penelitian ini bertujuan untuk menganalisis pengaruh lokasi dan kualitas produk terhadap keputusan pembelian konsumen. Metode penelitian menggunakan pendekatan kuantitatif dengan sampel sebanyak 96 responden yang ditentukan melalui rumus Slovin. Data diperoleh melalui observasi, wawancara, dan penyebaran angket, kemudian dianalisis menggunakan regresi linear berganda melalui SPSS. Hasil penelitian menunjukkan bahwa lokasi berpengaruh signifikan secara parsial terhadap keputusan pembelian, demikian pula kualitas produk yang terbukti menjadi variabel paling dominan. Secara simultan, lokasi dan kualitas produk berpengaruh signifikan terhadap keputusan pembelian. Temuan ini menegaskan bahwa kedua variabel tersebut berperan penting dalam meningkatkan keputusan pembelian konsumen di Cafe Muntaz.
ANALISIS FAKTOR-FAKTOR YANG MEMPENGARUHI TINGKAT PEMAHAMAN MASYARAKAT DESA BENTENG RENDAH TERHADAP PRODUK PERBANKAN SYARIAH Wina Sari Asmara; Raden Hebat Kurnia; Iswanto Iswanto
JOURNAL SAINS STUDENT RESEARCH Vol. 3 No. 6 (2025): Jurnal Sains Student Research (JSSR) Desember
Publisher : CV. KAMPUS AKADEMIK PUBLISING

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.61722/jssr.v3i6.7046

Abstract

Sharia Banks are banks that carry out their business activities based on Sharia principles and according to their type consist of Sharia Commercial Banks, Sharia Business Units and Sharia People's Financing Banks (BPRS). Judging from the development side, sharia banks are currently not lagging behind with progress like conventional banks, but there is still one of the problems faced by sharia banks is the low level of public understanding of sharia banking products, especially caused by the dominance of conventional banking so that sharia banking is still underestimated by some people, based on a survey conducted by researchers in Benteng Bawah Village, which is quite large and the majority of the population is Muslim, however their understanding of sharia banking products is very poor, from the results of pre-research conducted by researchers in the field, this is the weakness of the Benteng Bawah Village Community in understanding bank products. sharia, namely lack of knowledge about sharia banks, lack of information relating to sharia bank products, socialization carried out by sharia banks is not optimal, especially socialization for rural communities, and lack of community experience in carrying out financing or other transactions with sharia banks.
Co-Authors Alfazri Rahmadani Alfi rochmi Iswanto Iswanto M. Andriansyah Raden Hebat Raden Hebat Kurnia