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All Journal General Multidisciplinary Research Journal Multidisciplinary Journal of Religion and Social Sciences (MJRS) Journal of Financial and Business Journal of Community Service and Empowerment
Bunga Andini
Universitas Pahlawan Tuanku Tambusai
Religion Humanities Decision Sciences, Operations Research & Management Economics, Econometrics & Finance Education Health Professions Languange, Linguistic, Communication & Media Public Health Social Sciences Other

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Training on the Use of Sharia Mobile Banking to Support Digital Financial Transactions Bunga Andini; Paisal Paisal; Wahyu Febri Ramadhan Sudirman
Journal of Community Service and Empowerment Vol. 2 No. 1 (2025)
Publisher : Global Sustainability Research Institute

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.63453/jcse.v2i1.78

Abstract

The rapid development of digital technology has accelerated the transformation of banking services, including Islamic banking through the provision of mobile banking services. However, the utilization of Islamic mobile banking services among the community still faces several challenges, including limited digital literacy, inadequate understanding of service features, and low awareness of digital transaction security. This community service program aimed to enhance participants’ knowledge and skills in using Islamic mobile banking services to support digital financial transactions. The program was implemented through several stages, including preparation, educational sessions, demonstrations, hands-on practice, interactive discussions, and evaluation. The training materials covered the introduction of Islamic mobile banking services, digital transaction features, QRIS utilization, and digital transaction security awareness. The results indicated an improvement in participants’ understanding of Islamic mobile banking services, the benefits of digital financial transactions, and the importance of protecting personal data and banking accounts. Furthermore, participants demonstrated better practical skills in operating various mobile banking features independently. This program contributed to strengthening Islamic digital financial literacy and promoting the effective, secure, and sustainable use of digital banking services within the community.
Green Economy Dan Tanggung Jawab Moral Manusia Terhadap Lingkungan Dalam Perspektif Islam Bunga Andini; Mohd Winario; Rifqil Khairi
Multidisciplinary Journal of Religion and Social Sciences Vol. 3 No. 2 (2026): April 2026
Publisher : EL-EMIR Institute

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.63477/mjrs.v3i2.486

Abstract

The concept of green economy has developed as a development paradigm that emphasizes the balance between economic growth, environmental sustainability, and social justice amidst the global ecological crisis. From an Islamic perspective, green economy is not merely a technical approach, but also a manifestation of human moral and spiritual responsibility as caliphs on earth. Humans are required to maintain balance (mīzān), avoid damage (fasād), and ensure the sustainability of resources for future generations. This study aims to analyze the relationship between the principles of green economy and human moral responsibility within the framework of Islamic values, by integrating the Qur'an, Hadith, and maqāṣid al-sharī‘ah. The method used is a qualitative literature study from classical and contemporary sources related to Islamic economics and environmental ethics. The results of the study indicate that green economy principles such as resource efficiency, emission reduction, distributive justice, and ecosystem sustainability are in line with Islamic values, especially amanah (trust), justice (‘adl), benefit (maṣlaḥah), and the prohibition of isrāf and tabdhīr. This responsibility is both individual and collective, involving the state, economic actors, and society in realizing sustainable development.
Digital-Based Zakat Management at the National Amil Zakat Agency Alfiatun Zahrah; Bunga Andini; Suci Mardiyah; Syafnur Muhammad Riski; Iskandar Iskandar
General Multidisciplinary Research Journal Vol. 2 No. 2 (2025)
Publisher : Global Sustainability Research Institute

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.63453/general.v2i2.42

Abstract

Introduction:This study aims to analyze zakat management at the National Zakat Agency (BAZNAS) in the digital era, focusing on the role of information technology in improving the effectiveness, efficiency, transparency, and accountability of zakat management. As one of the pillars of Islam, zakat plays a crucial role in promoting social welfare and reducing economic inequality. Therefore, optimal zakat management is essential, especially in today’s digital environment. Methods:This research employs a qualitative approach with a case study design. Data were collected through in-depth interviews and document analysis conducted at several zakat management institutions. The study focuses on identifying how digital systems are implemented and the challenges faced in integrating information technology into zakat management. Results:The findings reveal that the integration of digital technology—such as online platforms, mobile applications, and integrated information systems—significantly contributes to the efficiency of zakat collection and distribution processes. Digital tools also facilitate the identification of mustahik (zakat recipients), accelerate the distribution of aid, and enhance public trust in zakat institutions through transparent financial reporting. Conclusion and Suggestion: The study concludes that digital transformation plays a pivotal role in improving the performance and accountability of zakat management. However, challenges remain, including limited digital infrastructure and the need to enhance technological literacy among zakat managers. Therefore, developing robust information systems, strengthening human resource capacity, and fostering collaboration among stakeholders are key strategies for realizing effective and impactful zakat management in the digital era.
The Effectiveness of Microfinance Schemes in Promoting the Sustainability of Micro Enterprises in Developing Countries Bunga Andini; Mifta Hasda; Muhammad Syaipudin
General Multidisciplinary Research Journal Vol. 3 No. 1 (2026)
Publisher : Global Sustainability Research Institute

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.63453/general.v3i1.66

Abstract

Introduction: Micro, Small, and Medium Enterprises (MSMEs) play a strategic role in the national economy, particularly in job creation and strengthening the people's economy. However, limited access to formal financing sources remains a major obstacle hindering MSME performance. Microfinance serves as a crucial instrument for expanding financial inclusion and encouraging microenterprise development. This study aims to analyze the effect of microfinance on MSME performance. Methods: This study used a quantitative approach with a survey of 320 MSMEs who had received microfinance. Data were collected through a structured questionnaire that had been tested for validity and reliability. The sampling technique used purposive sampling, with the criteria being that respondents had received microfinance for at least one year. Data analysis was conducted using multiple linear regression to examine the effect of microfinance on MSME performance. Results: The analysis shows that microfinance has a positive and significant effect on MSME performance. Microfinance has been proven to improve business performance, as reflected in increased revenue, more efficient business management, and business sustainability. The results of the validity and reliability tests indicate that all research indicators meet the required measurement criteria, so the results of the hypothesis testing can be interpreted scientifically and reliably. Conclusion and Suggestion: This study concludes that microfinance is a significant factor in improving MSME performance. Therefore, it is recommended that microfinance institutions and policymakers not only expand microfinance distribution but also improve the quality of financing through schemes tailored to MSME needs and business mentoring support to ensure the sustainable impact of financing.
Development of Mutual Funds in The Indonesian Capital Market Syafnur Muhammad Rizky; Bunga Andini; Mifta Hasda; Muhammad Syaipudin; Wahyu Febri Ramadhan Sudirman
Journal of Financial and Business Vol 1 No 1 (2024)
Publisher : Global Sustainability Research Institute

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.69693/jfb.v1i1.15

Abstract

This research examines the development of mutual funds in the context of the Indonesian capital market. Mutual funds have become one of the investment instruments that is increasingly popular and important in diversifying investor portfolios in Indonesia. This research aims to analyze the factors that influence the growth of mutual funds, the role of regulation in regulating the market, and the challenges faced in optimizing the potential of mutual funds as an effective and safe investment instrument. This study uses a descriptive-analytical approach by collecting secondary data from various literature sources related to the development of capital markets and mutual funds in Indonesia. The analysis results show that the growth of mutual funds is influenced by increasing public financial awareness and ease of access to information about investment products. The regulatory role carried out by the Financial Services Authority (OJK) also contributes to creating a more structured and safe investment environment for investors. However, several challenges need to be overcome, such as market fluctuations which can affect investment values, liquidity problems in several types of mutual funds, as well as expanding financial education to the public. Better regulation is needed to address these challenges and increase transparency and protection for investors.
Liquidity Risk Management in Islamic Banks in The Digital Era Bunga Andini; Syafnur Muhammad Rizki; Wahyu Febri Ramadhan Sudirman
Journal of Financial and Business Vol 1 No 2 (2025)
Publisher : Global Sustainability Research Institute

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.69693/jfb.v1i2.34

Abstract

This study discusses liquidity risk management in Islamic banks in the digital era, focusing on strategies implemented to maintain financial stability amidst technological developments. Digital transformation in the banking industry brings opportunities and challenges, including increasing service efficiency and more complex liquidity risks due to changes in transaction patterns and customer preferences. This study uses a quantitative approach with secondary data analysis from Islamic bank financial reports and relevant liquidity indicators. The results of the study indicate that the application of financial technology (fintech) and digital-based risk management strategies can improve the liquidity resilience of Islamic banks. In addition, the optimization of Islamic financial instruments, such as Sukuk and Sharia-based interbank markets, is a key factor in maintaining liquidity balance. Thus, this study provides insight for Islamic banking regulators and practitioners in designing policies that are adaptive to digital changes to strengthen the resilience of the Islamic banking sector.
Co-Authors Alfiatun Zahrah Iskandar Iskandar Mifta Hasda Mohd. Winario Muhammad Syaipudin Paisal Paisal Rifqil Khairi Suci Mardiyah Syafnur Muhammad Riski Syafnur Muhammad Rizki Syafnur Muhammad Rizky Wahyu Febri Ramadhan Sudirman