Article Per Year (5 Year)
p-Index From 2021 - 2026
0.408
P-Index
This Author published in this journals
All Journal Southeast Asia Journal of Graduate of Islamic Business and Economics Multidisciplinary Indonesian Center Journal
Utari Evy Cahyani
Unknown Affiliation
Religion Humanities Decision Sciences, Operations Research & Management Earth & Planetary Sciences Economics, Econometrics & Finance Education Other

Published : 2 Documents Claim Missing Document
Claim Missing Document
Check
Articles

Found 2 Documents
Search

 1 
The Alleviation Of Extreme Poverty In The City Of Padangsidimpuan Siregar, Deni Afnita; Arbanur Rasyid; Utari Evy Cahyani
SOUTHEAST ASIA JOURNAL oF GRADUATE OF ISLAMIC BUSINESS AND ECONOMICS Vol. 4 No. 2 (2025): September
Publisher : Pascasarjana, Institut Agama Islam Sultan Muhammad Syafiuddin Sambas

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.37567/sajgibe.v4i2.3926

Abstract

This study examines the multidimensional dynamics of extreme poverty alleviation in Padangsidimpuan City, Indonesia, within the framework of Islamic economics. The Sustainable Livelihood Framework (SLF) approach is used as the analytical framework, with Amartya Sen's Capability Approach Theory as the theoretical basis. This study aims to understand how social, institutional, economic, and spiritual capital interact in shaping community resilience and access to basic welfare. The method used is qualitative-empirical with data collection through semi-structured interviews with key stakeholders, such as local government officials, religious leaders, zakat management institutions, and poor households. The analysis was conducted using a thematic content analysis approach. The results of the study show that poverty in Padangsidimpuan is exacerbated by structural limitations, such as limited access to productive assets, weak institutional coordination, and a fragile social protection system. However, the integration of Islamic philanthropic instruments such as zakat, infaq, and waqf into poverty alleviation programs, especially through community-based empowerment models, can significantly increase the economic capability and dignity of beneficiaries. This study emphasizes the importance of value-based governance and synergy between state institutions and religious institutions in addressing extreme poverty sustainably. Scientifically, this study contributes to the development of literature by offering a contextual poverty alleviation model rooted in Islamic economic values, local wisdom, and participatory development paradigms. Practically, this study provides policy recommendations for integrating religious-based economic interventions into the national poverty alleviation framework. These findings provide applicable insights for policymakers and development practitioners in formulating culturally relevant and structurally effective strategies to eradicate extreme poverty.
FACTORS INFLUENCING THE ATTITUDES AND DECISIONS OF LOWER CLASS COMMUNITIES IN USING ISLAMIC BANK MOBILE BANKING Muhammad Nur Tanjung; Abdul Nasser Hasibuan; Utari Evy Cahyani
Multidisciplinary Indonesian Center Journal (MICJO) Vol. 2 No. 4 (2025): Vol. 2 No. 4 Edisi Oktober 2025
Publisher : PT. Jurnal Center Indonesia Publisher

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.62567/micjo.v2i4.1488

Abstract

This study aims to analyze the factors influencing the attitudes and decisions of lower-class communities in adopting Islamic bank mobile banking services, with a specific focus on the BSI Mobile application. The research applies the Technology Acceptance Model (TAM) developed by Davis (1989), emphasizing two key constructs—perceived ease of use and perceived usefulness—as determinants of users’ attitudes and decisions. The study employs a quantitative approach using a survey method involving 100 lower-class customers of Bank Syariah Indonesia (BSI) Sibuhuan. Data were analyzed using Structural Equation Modeling (SEM) with the Partial Least Squares (PLS) technique through SmartPLS 4.0 software. The results indicate that perceived usefulness significantly affects both attitude and decision to use, while perceived ease of use influences attitude indirectly. The R² value for attitude (0.743) and decision (0.654) shows that the model has strong explanatory power. These findings reveal that lower-income customers are more motivated by perceived benefits, such as convenience, time efficiency, and transaction security, rather than interface simplicity. From a practical perspective, the study suggests that Islamic banks should strengthen digital literacy, user assistance, and customer trust to enhance mobile banking adoption among lower-class communities.
Co-Authors Abdul Nasser Hasibuan Arbanur Rasyid Muhammad Nur Tanjung Siregar, Deni Afnita