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All Journal International Journal of Management Progress Busyro : Jurnal Dakwah dan Komunikasi Islam Research Horizon At-Tahdzib: Jurnal Studi Islam dan Muamalah Social Humanity Insight: Islamic Education and Learning
Mahfudz
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Religion Arts Humanities Decision Sciences, Operations Research & Management Economics, Econometrics & Finance Education Law, Crime, Criminology & Criminal Justice Social Sciences

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Transforming MSMEs Towards Sustainable Growth: A Study of Economic Empowerment Dinata, Amet Candra; Octavian, Yayan; Sukresna, I Made; Mahfudz
Research Horizon Vol. 4 No. 6 (2024): Research Horizon - December 2024 (Thematic Issue)
Publisher : LifeSciFi

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.54518/rh.4.6.2024.410

Abstract

Empowering the regional economy as an economic foundation through the development of Micro, Small and Medium Enterprises (MSMEs) play a strategic role in promoting inclusive and sustainable economic growth at the regional level. This research aims to examine the success of MSMEs in Pasar Badung and analyze MSME development strategies to enhance local economic empowerment. The study employs a descriptive approach to analyze workforce trends in MSMEs during the 2020-2023 period, with data collection through in-depth interviews with MSME actors and relevant stakeholders. The findings reveal that MSMEs in Pasar Badung face various challenges in their development, including resource limitations, restricted market access, and resistance to change. Nevertheless, through strengthening human resource capacity and implementing appropriate marketing strategies, MSME actors can overcome these challenges and achieve sustainable growth. This research contributes to understanding the significance of MSMEs in strengthening local economies and regional development. The study also emphasizes the urgency of empowerment policies and programs that can drive MSME growth and improve community welfare.
Improving the Productivity of Cross-Generational Relationship Managers in the Banking Sector Lestari, Dwi Indah; Kurniawan, Bernadi; Perdana, Mirwan Surya; Mahfudz
Research Horizon Vol. 4 No. 6 (2024): Research Horizon - December 2024 (Thematic Issue)
Publisher : LifeSciFi

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.54518/rh.4.6.2024.414

Abstract

This study explores the impact of adaptive education on employee empowerment and productivity among Relationship Managers (RMs) at BRIguna, focusing on differences in learning preferences across generations. Using a qualitative descriptive approach, this study highlights that Generation X, Millennials, and Generation Z have different training preferences, with Generation X preferring formal face-to-face training, while Millennials and Gen Z prefer flexible technology-based learning methods. The results emphasize the importance of adaptive education tailored to individual learning styles, indicating that technology-based training has a positive impact on productivity, especially among generations familiar with technology. Direct observation and thematic analysis suggest that blended learning can bridge generational differences, accommodate diverse preferences, and increase engagement and efficiency in the workplace. In addition, adaptive training that is tailored to employees’ learning preferences increases their sense of being valued and empowered, which positively influences their loyalty and commitment. This study contributes to the literature on adaptive education in multigenerational organizations, particularly in the banking sector, by offering insights into the design of effective training programs to maximize productivity, engagement, and retention across generations. These findings also open opportunities for further research on the role of adaptive education in creating a cohesive, inclusive, and productive work environment amidst generational diversity.
Empowering MSMEs as the Backbone of the National Economy through Credit Insurance Mayangsari, Jane Berliana; Pratomo, Hananto Budi; Perdana, Mirwan Surya; Mahfudz
Research Horizon Vol. 4 No. 6 (2024): Research Horizon - December 2024 (Thematic Issue)
Publisher : LifeSciFi

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.54518/rh.4.6.2024.419

Abstract

This research explores the effectiveness of credit insurance in empowering MSMEs, which is one of the important sectors in building the national economy. Using a descriptive qualitative method with a case study of Bank Rakyat Indonesia (BRI), this research analyses changes in the Non-Performing Loan (NPL) ratio for MSME loans before and after the implementation of credit insurance. Data was collected from a literature review, reports from the Financial Services Authority (Otoritas Jasa Keuangan/OJK), Bank Indonesia, Ministry of Cooperatives and MSMEs, and BRI's internal reports. The findings show that the implementation of credit insurance lowered the NPL ratio in BRI's MSME segment from 3.5% to 2.1% over two years, supporting the role of credit insurance as a risk mitigation tool that transfers default risk to the insurance company. These results strengthen the theory of risk mitigation and have practical implications for banks in expanding access to secure financing for MSMEs. A limitation of this study is its focus on one bank, which means the results may not be generalizable across the board. Policymakers and regulators are encouraged to consider policies that encourage wider adoption of credit insurance for MSMEs. This study offers insights into developing effective risk mitigation strategies for the MSME credit sector.
Digital Banking for Empowerment: How Technology Shapes the Financial Behavior of Millennials Kurniawan, Novan; Satyarini, Yuane; Sukresna, I Made; Mahfudz
Research Horizon Vol. 5 No. 1 (2025): Research Horizon - February 2025
Publisher : LifeSciFi

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.54518/rh.5.1.2025.451

Abstract

This study investigates the impact of digital banking on the financial behavior of millennials. Utilizing a literature review methodology, the research compiles and analyzes findings from various studies exploring the relationship between digital banking services and millennials' financial management practices. The results indicate that digital banking significantly enhances accessibility to financial services, encouraging millennials to engage more actively in budgeting, saving, and investing. Furthermore, factors such as convenience, security, and financial literacy play critical roles in the adoption of these technologies. The contribution of this research lies in providing valuable insights for financial institutions to tailor products and services that meet the needs of the younger generation, while emphasizing the importance of financial education to maximize the benefits of digital banking.
The Impact of Digital Payments on Financial Inclusion in Rural Areas Yuko, Mohammad; Suratin, Mochammad; Mahfudz; Sukresna, I Made
Research Horizon Vol. 5 No. 1 (2025): Research Horizon - February 2025
Publisher : LifeSciFi

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.54518/rh.5.1.2025.459

Abstract

In the modern digital era, achieving financial inclusion remains a significant challenge, particularly in rural areas of Indonesia, where access to financial services is still limited. With only 70.13% of the rural population financially included, a substantial portion of individuals continue to rely on the informal financial sector, which often fails to meet their financial needs effectively. In response to these challenges, digital payment technology has emerged as a viable solution to bridge the gap in financial access. This study investigates the impact of digital payments on financial inclusion in rural East Java, employing a quantitative survey approach through questionnaires administered to digital payment users. The findings reveal that the adoption of e-wallets and QR payments significantly enhances community access to financial products and services. These results offer valuable insights for policymakers and stakeholders in formulating more effective strategies to improve financial inclusion in rural areas, thereby fostering economic growth and enhancing the overall well-being of communities.
MODEL REHABILITASI SOSIOPSIKOLOGIS DAN PENINGKATAN KETAHANAN PANGAN RUMAH TANGGA TERDAMPAK KERAWANAN DI KAWASAN PENGUASAAN TERORIS GUNUNG BIRU, POSO, SULAWESI TENGAH Ali, Muhammad Nur; Mahfudz; Ramlan; Rahman, Nurdin
Social Humanity: Jurnal Ilmu Sosial dan Humaniora Vol. 2 No. 2 (2018): December
Publisher : Fakultas Ilmu Sosial dan Ilmu Politik, Universitas Tadulako

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.22487/j.sochum.v2i2.1320

Abstract

Mt. Biru is a fertile wilderness area in Tamanjeka Hamlet, Masani Village, Poso Pesisir District, Poso Regency. At 2006, the Mt. Biru area was widely known as the movement basis of the East Indonesia Mujahidin group led by Santoso. As an area inhabited and/or controlled by terrorists, the peace of the population becomes disturbed, even frightened, because there are counter-indications between terrorists and security personnel from the military/police. The article from this research discusses sociopsychological rehabilitation and increases the food security of households affected by vulnerability in the Mt. Biru area. The social conditions of the community in the process and social interaction both within their internal and external circles experience rigidity and are very limited, confined, and even fearful. Sociologically, the process and social interaction, due to persistent fear, are gradually becoming psychological symptoms that influence other aspects of life, especially in the economic field as farmers. Significant decline in farmer's productivity due to the loss of sociopsychological strength due to terror and incidents, decreasing family food security, and other generative impacts in time will emerge.
Strategi Pendidikan Keagamaan Berbasis Digital: Studi Model Komunikasi Edukatif Pesantren Nurul Jadid Melalui Facebook Muhammad Iqbal; Mahfudz
Khatulistiwa Insight: Islamic Education and Learning Vol 1 No 2 (2025): Juli
Publisher : Yayasan Literasi Altruis Khatulistiwa

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

Abstract

Digital transformation has prompted Islamic educational institutions, such as Islamic boarding schools, to develop new communication strategies to convey religious values while fulfilling their educational functions. One notable strategy is the use of social media as a medium for non-formal religious education. This study aims to analyse the digital-based religious education strategies developed by Pondok Pesantren Nurul Jadid through its official Facebook account during March–June 2025. The study employs a qualitative approach using content analysis on all posts published during the period. Data were analysed using four main categories: message type, language style, religious symbols, and audience interaction. The results of the study indicate that the Facebook messages of the Nurul Jadid Islamic Boarding School are not merely informative or ceremonial but are deliberately crafted to foster religious awareness, strengthen Islamic literacy, and expand the educational functions of the boarding school in the digital realm. The language style used is communicative and polite, interspersed with popular elements that facilitate public acceptance in the digital sphere. Religious symbols such as the yellow book, mosque, and religious leaders serve as visual representations of Islamic educational values. The highest audience interaction occurs on video content and religious moments, indicating the effectiveness of content as an educational medium. This study concludes that Facebook is part of the pesantren's educational communication strategy in integrating traditional and modern values, and in shaping a digital media-based religious education model relevant to the current public character
The Effect Of Marketing Mix On Customer's Decision To Save On PT. Bank Muamalat Kendari Branch Mahfudz; Tiara Juliana Jaya; Nur Laili Fikriah
At-Tahdzib: Jurnal Studi Islam dan Muamalah Vol 8 No 2 (2020): At-Tahdzib
Publisher : Sekolah Tinggi Agama Islam At-Tahdzib, Ngoro, Jombang, Indonesia

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Abstract

This research aims to find out how the marketing mix affects customers' decision to save on PT. Bank Muamalat Kendari Branch. This research uses quantitative methods using observation techniques, questionnaires and documentation. The sample used in this study was 89 customers who had saved up at PT. Bank Muamalat Kendari Branch. Based on the results of the research that has done it can say that marketing mix has a significant relationship because it can explain that the significant value of 0,000, the significant level is smaller than 0.05 or the value of t-count is higher than the value of t-table which means that PT. Bank Muamalat Kendari Branch can meet the needs and desires of customers so that customers feel satisfied in terms of products, the price of administration provided, promotion as well as excellent service and security, and strategic bank location. Therefore, the better service provided by the bank will have an impact on the increasing decision of customers to save on PT. Bank Muamalat Kendari Branch.
The Influence of the Experiential Marketing Approach on the Decision to Use Products and Services in Bank Syariah Indonesia (BSI) Customers, Abdullah Silondae 2 Branch Office, Kendari City Mahfudz; Nurfadli, Aldiyansyah; Akmal
International Journal of Management Progress Vol. 5 No. 2 (2023): International Journal of Management Progress
Publisher : Institute for Research and Community Service

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.35326/ijmp.v5i2.4417

Abstract

Experiential marketing is a marketing method that is driven by experience. Many studies have been conducted on this subject, but among the various studies on experiential marketing, there has been no research that specifically addresses experiential marketing on the decision to use products and services in banking. This study aims to see and test the effect of the Experiential Marketing Approach on Decisions to Use Products and Services at Indonesian Sharia Bank Customers at the Abdullah Silondae Branch Office 2. The type of data this study uses is a type of research with quantitative methods. Meanwhile, based on the type of data collection, this research uses a survey research type. Survey research is directed to find out and study data from samples taken from the population, so that relative events, distribution, and relationships between variables can be found. This research uses quantitative methods. Samples were obtained by 96 respondents by taking samples using purposive sampling technique. Meanwhile, the data collection technique was carried out using a questionnaire method and library research. Data is processed using Microsoft Excel and SmartPLS 4.0 software. From the results of data processing, it shows that the Experiential Marketing variable has a positive and significant effect on the Decision variable on the use of products and services at BSI.
Analysis of the Impact of Islamic Propagation Through the Kilau Ramadan Broadcast Program of KJTV on Urban Muslim Individuals in Jember Mahfudz; Romadlany, Zakiyah
Busyro: Jurnal Dakwah dan Komunikasi Islam Vol. 7 No. 1 (2025): November : Busyro : Jurnal Dakwah dan Komunikasi Islam
Publisher : Institut Pesantren Sunan Drajat Lamongan, Indonesia

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.55352/kpi.v7i1.2555

Abstract

This study examines the effectiveness of Islamic propagation (syiar) delivered through a local television program, “Kilau Ramadan,” broadcast by KJTV Jember, in shaping the religious understanding and attitudes of urban Muslims in Jember. While television remains a powerful audio-visual medium, the Indonesian media landscape has rapidly shifted due to digital broadcasting transition and increasing audience engagement with social media platforms. These developments encourage local broadcasters to adopt cross-platform strategies and interactive formats to sustain relevance. Using a communication and Islamic broadcasting perspective, this research explores how “Kilau Ramadan” packages religious messages, facilitates audience interaction, and positions itself within current regulatory and ethical standards of broadcasting. The study focuses on audience reception and perceived impacts, including message comprehension, motivation for religious practice, and the program’s relevance to urban daily life during Ramadan. The findings are expected to contribute to contemporary discussions on local Islamic broadcasting in the era of media convergence and to offer practical recommendations for developing contextual, ethical, and audience-centered religious programs.
Co-Authors Akmal Dinata, Amet Candra I Made Sukresna Kurniawan, Bernadi Kurniawan, Novan Lestari, Dwi Indah Mayangsari, Jane Berliana Muhammad Iqbal Muhammad Nur Ali Nur Laili Fikriah Nurdin Rahman Nurfadli, Aldiyansyah Octavian, Yayan Perdana, Mirwan Surya Pratomo, Hananto Budi Ramlan romadlany, zakiyah Satyarini, Yuane Suratin, Mochammad Tiara Juliana Jaya Yuko, Mohammad