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All Journal International Journal of Education, Social Studies, And Management (IJESSM) Indonesian Journal of Innovation Studies Bina Bangsa International Journal of Business and Management
Hani, Fildzah
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Computer Science & IT Decision Sciences, Operations Research & Management Economics, Econometrics & Finance Education Engineering Law, Crime, Criminology & Criminal Justice Other

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USE OF MANAGEMENT INFORMATION SYSTEMS IN DILARA LAUNDRY Hani, Fildzah; Nasution, Muhammad Irwan Padli; Sundari, Sri Suci Ayu
Bina Bangsa International Journal of Business and Management Vol. 4 No. 2 (2024): Bina Bangsa International Journal of Business and Management
Publisher : LPPM Universitas Bina Bangsa

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.46306/bbijbm.v4i2.92

Abstract

This paper aims to evaluate all aspects of the feasibility of the laundry business from Dilara Laundry. The increasing number of residents provides opportunities from various businesses, one of which is the laundry service business. Every housewife definitely needs these services because washing is a household need. Dilara Laundry is located in a strategic place that can be easily reached by consumers. Dilara laundry also provides very affordable prices and has various programs that can benefit consumers. In addition, Dilara Laundry provides shuttle facilities. Based on research from various aspects, it can be concluded that Dilara Laundry can be said to be feasible to run.
The Impact of Microfinance Institutions on the Growth of Umkm: a Case Study of Baitul Maal Wa Tamwil (BMT) at Al-Amin Mosque, Deli Serdang Hani, Fildzah; Syahputri, Salsabila; Ritonga, Dendi Dwi Putra; Hayati, Fitri
International Journal Of Education, Social Studies, And Management (IJESSM) Vol. 5 No. 1 (2025): The International Journal of Education, Social Studies, and Management (IJESSM)
Publisher : LPPPIPublishing

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.52121/ijessm.v5i1.605

Abstract

This study aims to analyze the impact of Baitul Maal wa Tamwil (BMT) at Al-Amin Mosque, Deli Serdang, on the growth of Micro, Small, and Medium Enterprises (MSMEs). Using a mixed-method approach through quantitative surveys and qualitative interviews, this study examines changes in indicators of turnover, business assets, workforce, and profitability of MSMEs before and after receiving financing from BMT. The results of the study indicate that BMT financing services have a positive impact on MSME growth. Average turnover increased by 60%, business assets increased, and 40% of respondents were able to employ additional workers. In addition, business profitability also increased significantly. However, this study also found several obstacles, such as low financial management capabilities and limited market access. This indicates the need to strengthen technology-based service innovation and coaching programs to support the sustainability of MSMEs. This study concludes that BMTs play a strategic role in empowering the local economy through sharia-based microfinance services. The results of this study provide recommendations for the development of similar MFIs to support MSME growth more effectively and inclusively.
The Impact of Microfinance Institutions on the Growth of Umkm: a Case Study of Baitul Maal Wa Tamwil (BMT) at Al-Amin Mosque, Deli Serdang Hani, Fildzah; Syahputri, Salsabila; Ritonga, Dendi Dwi Putra; Hayati, Fitri
International Journal Of Education, Social Studies, And Management (IJESSM) Vol. 5 No. 1 (2025): The International Journal of Education, Social Studies, and Management (IJESSM)
Publisher : LPPPIPublishing

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.52121/ijessm.v5i1.605

Abstract

This study aims to analyze the impact of Baitul Maal wa Tamwil (BMT) at Al-Amin Mosque, Deli Serdang, on the growth of Micro, Small, and Medium Enterprises (MSMEs). Using a mixed-method approach through quantitative surveys and qualitative interviews, this study examines changes in indicators of turnover, business assets, workforce, and profitability of MSMEs before and after receiving financing from BMT. The results of the study indicate that BMT financing services have a positive impact on MSME growth. Average turnover increased by 60%, business assets increased, and 40% of respondents were able to employ additional workers. In addition, business profitability also increased significantly. However, this study also found several obstacles, such as low financial management capabilities and limited market access. This indicates the need to strengthen technology-based service innovation and coaching programs to support the sustainability of MSMEs. This study concludes that BMTs play a strategic role in empowering the local economy through sharia-based microfinance services. The results of this study provide recommendations for the development of similar MFIs to support MSME growth more effectively and inclusively.
Risk Management of Cash Withdrawal Services through Fintech Friends among Gen Z: Manajemen Risiko Layanan Tarik Tunai Melalui Teman Fintech di Kalangan Gen Z Hani, Fildzah; Sugianto, Sugianto; Nasution, Muhammad Irwan Padli
Indonesian Journal of Innovation Studies Vol. 26 No. 3 (2025): July
Publisher : Universitas Muhammadiyah Sidoarjo

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.21070/ijins.v26i3.1408

Abstract

General Background: The increasing adoption of fintech applications among younger demographics has transformed the landscape of financial transactions, particularly with the introduction of peer-assisted features such as Teman. Specific Background: Among Generation Z users, the convenience of digital cash withdrawal services often overshadows the underlying risks, posing challenges to both users and service providers. Knowledge Gap: However, limited research has explored the specific risk dynamics and mitigation strategies within such fintech-mediated services targeted at Gen Z. Aims: This study aims to analyze risk management in cash withdrawal services via the Teman feature in fintech apps, focusing on the types of risks encountered and the strategies employed to address them. Results: The findings reveal that fraud, personal data leakage, and account misuse are the primary risks, exacerbated by low levels of digital financial literacy among Gen Z users. Novelty: Employing a qualitative phenomenological approach, this research offers an in-depth understanding of user experiences and the nuanced risks in emerging fintech features. Implications: The study underscores the urgency of enhancing digital financial education and enforcing stricter regulatory measures to bolster security and trust in fintech ecosystems. Highlights:  Highlights key risks in fintech cash withdrawal services used by Gen Z. Emphasizes the role of low digital financial literacy in increasing vulnerability. Recommends stronger regulation and targeted financial education efforts. Keywords: Risk Management, Fintech, Cash Withdrawal Services
Co-Authors Fitri Hayati Nasution, Muhammad Irwan Padli Ritonga, Dendi Dwi Putra Sugianto Sugianto Sundari, Sri Suci Ayu Syahputri, Salsabila