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All Journal Jurnal Abdimas Sang Buana RESLAJ: Religion Education Social Laa Roiba Journal
Putra Pratama, Vidya Ramadhan
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Religion Humanities Economics, Econometrics & Finance Education Environmental Science Social Sciences Other

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IMPLEMENTASI SISTEM SMARK UMKM DAN LITERASI INVESTASI PADA UMKM DI KOTA BANDUNG Lestari, Resanti; Putra Pratama, Vidya Ramadhan
Jurnal Abdimas Sang Buana Vol 5 No 2 (2024): Jurnal Abdimas Sang Buana - November
Publisher : LPPM Universitas Sangga Buana

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.32897/abdimasusb.v5i2.3742

Abstract

The Community Service Program (PKM) aims to provide training and mentoring to Micro, Small, and Medium Enterprises (MSMEs) in Bandung City on marketing audits using the SMARK System and investment literacy. Of the 10 invited MSMEs, 7 actively participated in the program, which was conducted both online via Zoom and offline at STIE Ekuitas. The activities included training sessions on marketing audit strategies, practical guidance on utilizing the SMARK application to enhance business efficiency, and an introduction to secure and profitable investment instruments. Participants gained increased understanding of the importance of systematic marketing evaluation and sound financial management, including investment planning. As a tangible output, participants received a SMARK manual book and presentation materials related to marketing audit and investment literacy. These resources are expected to help participants implement the acquired knowledge in improving their business performance. The results of the program indicate that the SMARK System and marketing audits are crucial for MSMEs, enabling them to systematically evaluate and refine their marketing strategies. This initiative contributed by equipping MSMEs with tools to conduct independent marketing audits and offering guidance on financial literacy to utilize safe investment options effectively. Such steps are critical for fostering professionalism, informed decision-making, and long-term sustainability for MSMEs amid increasingly competitive markets. The program’s impact underscores the need for continued monitoring and further training to ensure that MSMEs can fully benefit from and sustain the knowledge and skills acquired through this initiative.
Sharia Financial Inclusion as a Moderating Variable of The Influence of Sharia Financial Literacy on The Decision To Use Sharia Services Putra Pratama, Vidya Ramadhan; Jasiyah, Rabiyatul; Indraningtyas, Yeni; Utama, Liza; Thalib, Nadjah
Reslaj: Religion Education Social Laa Roiba Journal Vol. 8 No. 4 (2026): RESLAJ: Religion Education Social Laa Roiba Journal
Publisher : Intitut Agama Islam Nasional Laa Roiba Bogor

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.47467/reslaj.v8i4.12089

Abstract

This study aims to analyze the role of Islamic financial inclusion in moderating the relationship between Islamic financial literacy and people's decisions to use Islamic financial services. Amidst the growth of the global Islamic economy, Indonesia faces the challenge of a significant gap between the level of Islamic financial literacy and inclusion. This study uses a quantitative approach with a survey method of Islamic financial service users. Data analysis was conducted using Structural Equation Modeling (SEM) based on Partial Least Squares (PLS) to test the moderating effect. The results of the literature synthesis indicate that high Islamic financial literacy does not automatically increase the decision to use Islamic services without adequate accessibility through financial inclusion. Islamic financial inclusion is predicted to strengthen the positive influence of literacy on consumer decision-making. This study provides a theoretical contribution to the development of consumer behavior theory in Islamic economics and provides practical implications for regulators in formulating a national strategy for Islamic financial inclusion.
Co-Authors Indraningtyas, Yeni Jasiyah, Rabiyatul Lestari, Resanti Thalib, Nadjah Utama, Liza