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All Journal EKUITAS (Jurnal Ekonomi dan Keuangan) Al-Ijtimā: Jurnal Pengabdian Kepada Masyarakat
Syahputra, Dewangga Eka
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Religion Humanities Economics, Econometrics & Finance Education Other

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PUBLIC IMPRESSIONS OF THE USE OF SHARIA PEER-TO-PEER LENDING IN PREVENTING ILLEGAL ONLINE LOAN FRAUD Aisah, Nurul; Rahmawati, Nur; Rahmawati, Sisca Dian; Syahputra, Dewangga Eka; Arum, Aulia Galuh Ani Sekar
EKUITAS (Jurnal Ekonomi dan Keuangan) Vol 8 No 4 (2024): December
Publisher : Sekolah Tinggi Ilmu Ekonomi Indonesia (STIESIA) Surabaya(STIESIA) Surabaya

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.24034/j25485024.y2024.v8.i4.6724

Abstract

Interest in sharia loans may be significantly lower than regular internet loans. Online Sharia loans are safer than conventional loans as they do not incur interest or usury and do not impose penalties for late payments. This study seeks to ascertain public perceptions regarding the utilization of Sharia-compliant P2P lending as a means to mitigate illicit online loan fraud. The employed methodology is a mixed methods research strategy, specifically quantitative utilizing the TAM model and qualitative through structured interviews, aimed at acquiring deeper insights from relevant sources. This research sample used 167 respondents with the criteria namely people who have knowledge or experience using Sharia P2P Lending. The research findings indicate that trust and comfort affect individuals' views and interest in utilizing P2P syariah lending. Attitudes affect individuals' desire to utilize Sharia P2P Lending, whereas risk perceptions do not influence their attitudes or interests. Moreover, the significance of Sharia P2P Lending is paramount, as it functions by Sharia principles that prioritize justice, transparency, and the avoidance of usury, gharar, and maysir. Digital literacy, particularly in financial matters, is essential to avert illicit online loan fraud.
Pemberdayaan Usaha Mikro: Optimalisasi Kebutuhan Modal Umkm Melalui Dukungan Program Sekolah Wirausaha ‘Aisyiyah Aisah, Nurul; Syahputra, Dewangga Eka
Al-Ijtimā': Jurnal Pengabdian Kepada Masyarakat Vol 5 No 1 (2024): Oktober
Publisher : Lembaga Penelitian, Publikasi Ilmiah dan Pengabdian kepada Masyarakat (LP3M)

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.53515/aijpkm.v5i1.107

Abstract

The aim of this community service is to increase the understanding of MSME players in calculating business capital needs. The service partners were MSMEs from the 'Aisyiyah (PDA) Karanganyar Regional Leaders who were attended by 52 participants. A common problem faced by partners is that partners do not understand how to calculate business capital correctly. This service is focused on assisting partners so they can calculate business capital needs to improve the quality of their business. The methods used in this service are preparation, socialization of material and training in calculating business capital. From the results of the activity, it was found that the participants experienced an increase in their understanding of business capital and how to calculate it correctly and found solutions to the problems they faced.
Co-Authors Aisah, Nurul Arum, Aulia Galuh Ani Sekar Nur Rahmawati Sisca Dian Rahmawati