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All Journal Jurnal Pemberdayaan Masyarakat Universitas Al Azhar Indonesia Jurnal Persaingan Usaha Jurnal Pemberdayaan Umat
Indriani, Arya Dhita
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Agriculture, Biological Sciences & Forestry Computer Science & IT Economics, Econometrics & Finance Education Environmental Science Languange, Linguistic, Communication & Media Public Health Social Sciences

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Analisis Minat Masyarakat terhadap Layanan Fintech Syariah: Studi Pengabdian Bersama BSI Gresik Rachmaniyah, Fatichatur; Kusmayasari, Dewi; Khamila, Nabillatul; Astuti, Selvia Laely Dwi; Prameswana, Harda; Indriani, Arya Dhita
Jurnal Pemberdayaan Umat Vol. 4 No. 1 (2025): Februari
Publisher : Penerbit Goodwood

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.35912/jpu.v4i1.4643

Abstract

Purpose: This study aims to analyze public interest in Sharia fintech services, focusing on the collaborative community service initiative with Bank Syariah Indonesia (BSI) Gresik. This research seeks to identify factors influencing community adoption, perceptions, and challenges related to Sharia-compliant financial technology. Methodology/approach: The study was conducted in Gresik, East Java, in collaboration with BSI Gresik. Data were collected through surveys distributed to 150 respondents, including BSI customers and local residents. The survey utilized a structured questionnaire with Likert-scale questions covering aspects such as awareness, trust, and usage patterns of Sharia fintech. Results/findings: The findings indicate moderate awareness of Sharia fintech services, with trust in Islamic financial principles being a key driver of adoption. However, limited product knowledge and concerns regarding security were identified as barriers. Conclusion: The study concludes that while there is growing interest in Sharia fintech services, targeted educational campaigns and improved security measures are needed to boost adoption. Collaboration between Islamic banks and fintech providers can further enhance accessibility and trust, aligning with the principles of financial inclusion and compliance with Sharia. Limitations: The study was geographically limited to Gresik, and the sample may not fully represent diverse socioeconomic groups. Additionally, reliance on self-reported data may have introduced a bias. Contribution: This study contributes to the understanding of Sharia fintech adoption in Indonesia by providing insights for Islamic banks, fintech developers, and policymakers to enhance financial inclusion strategies. It also supports the academic discourse on Islamic finance and digital innovation.
Gerakan Desa Blumbang Menuju Zero Waste: Smart Farming dengan Pengolahan Kotoran Sapi sebagai Solusi Pertanian Berkelanjutan Sundari, Ariefah; Arisandra, Martha Laila; Efendi, Moh. Rifki; Indriani, Arya Dhita; Fahrudin, Ahmad Fikri; Habibah, Nur
Jurnal Pemberdayaan Masyarakat Universitas Al Azhar Indonesia Vol 7, No 3 (2025): Agustus 2025
Publisher : Universitas Al Azhar Indonesia

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.36722/jpm.v7i3.4617

Abstract

Abstrak  Permasalahan utama yang dihadapi mitra, yaitu masyarakat Desa Blumbang, adalah tingginya volume limbah kotoran sapi yang belum diolah secara optimal dan masih dibuang sembarangan, sehingga berpotensi mencemari lingkungan serta belum memberikan nilai tambah ekonomi. Kegiatan pengabdian ini bertujuan untuk memberdayakan masyarakat melalui edukasi dan pelatihan smart farming, khususnya dalam pengolahan limbah kotoran sapi menjadi pupuk kompos sebagai bentuk inovasi pertanian berkelanjutan. Jumlah peserta kegiatan ini sebanyak 35 orang, yang terdiri dari peternak lokal, kelompok tani, serta perangkat desa. Metode pelaksanaan meliputi pendekatan partisipatif, transfer teknologi tepat guna, serta pelatihan dan pendampingan lapangan secara intensif. Tahapan kegiatan mencakup identifikasi masalah mitra, penyusunan modul pelatihan, sosialisasi program, pelatihan teknis pembuatan kompos, praktik langsung di lapangan, serta monitoring dan evaluasi hasil. Hasil kegiatan menunjukkan bahwa peserta mampu memahami konsep zero waste dan menerapkan teknik pengomposan secara mandiri. Selain itu, terjadi nilai peningkatan pengetahuan dan keterampilan peserta dalam mengolah limbah menjadi produk bernilai guna, serta munculnya komitmen bersama untuk menjaga keberlanjutan program. Kesimpulannya, program ini berhasil meningkatkan kapasitas masyarakat dalam menerapkan smart farming berbasis ekonomi sirkular dan mendukung terciptanya desa yang lebih ramah lingkungan.Kata kunci: Smart Farming, Zero Waste, Pengolahan Limbah, Pupuk Kompos, Pertanian Berkelanjutan.
Kolusi Algoritmik: Risiko Kolusi Terselubung AI Pricing dalam Persaingan Usaha Sundari, Ariefah; Indriani, Arya Dhita; Nadzifah, Umi Nur
Jurnal Persaingan Usaha Vol 5 No 2 (2025): Jurnal Persaingan Usaha
Publisher : Komisi Pengawas Persaingan Usaha

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.55869/kppu.v5i2.214

Abstract

The rapid development of Artificial Intelligence (AI) in pricing strategies presents both opportunities and significant challenges for market competition. Algorithms designed to optimize pricing may unintentionally facilitate a new form of covert collusion, which is difficult for regulators to detect since it occurs automatically without explicit agreements between firms. This paper aims to analyze the phenomenon of algorithmic collusion in the context of competition law, with particular emphasis on its risks to the principles of fair competition. The study employs a normative-juridical approach through literature review, legal analysis, competition policy assessment, and international case studies. The findings indicate that pricing AI can generate market coordination resembling digital cartels, thereby challenging the effectiveness of existing legal instruments. The main conclusion highlights the urgent need for regulatory adaptation and technology-based oversight to enable competition authorities to anticipate and address algorithmic collusion. The implications of this study underscore the importance of collaboration among regulators, technology developers, and business actors in establishing a responsive legal framework to ensure fairness and sustainability in market competition.
Co-Authors Astuti, Selvia Laely Dwi Efendi, Moh. Rifki Fahrudin, Ahmad Fikri Khamila, Nabillatul Kusmayasari, Dewi Martha Laila Arisandra, Martha Laila Nadzifah, Umi Nur Nur Habibah Prameswana, Harda Rachmaniyah, Fatichatur Sundari, Ariefah