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All Journal Finansha: Journal of Sharia Financial Management Jurnal Abdimas Ekonomi dan Bisnis
Jerfiani, Dhenahi
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Economics, Econometrics & Finance

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Transformasi Keuangan Digital: Literasi, Pelatihan dan Pendampingan Praktek Keuangan Digital Bagi Pelaku UMKM Perempuan PWA Jawa Barat Rozak, Abdul; Jerfiani, Dhenahi; Pratiwi, Nurul Aziz
Jurnal Abdimas Ekonomi dan Bisnis Vol. 5 No. 2 (2025): Jurnal Abdimas Ekonomi dan Bisnis
Publisher : LPPM Universitas Bina Sarana Informatika

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.31294/abdiekbis.v5i2.9711

Abstract

Pelaku Usaha Mikro, Kecil, dan Menengah (UMKM) perempuan yang tergabung dalam Pimpinan Wilayah Aisyiyah (PWA) Jawa Barat memiliki potensi besar dalam mendorong pertumbuhan ekonomi lokal. Namun, sebagian besar pelaku UMKM tersebut masih terkendala pengelolaan keuangan, diantaranya: rendahnya literasi keuangan digital, minimnya akses pelatihan keuangan digital, dan kendala klasik dalam pencatatan keuangan. Kegiatan Pengabdian kepada Masyarakat ini bertujuan untuk meningkatkan literasi keuangan digital melalui pelatihan dan pendampingan praktek keuangan digital berbasis aplikasi “BukuWarung”. Metode pelaksanaan meliputi ceramah interaktif, simulasi (role-play), diskusi, pre-test dan post-test, serta pendampingan pelatihan. Hasil program kegiatan ini menunjukkan adanya peningkatan signifikan terhadap pemahaman peserta, di mana indikator kesiapan mengadopsi teknologi meningkat sebesar 54%, kemampuan menggunakan aplikasi pembukuan digital “BukuWarung” meningkat 50%, dan keterampilan memisahkan keuangan pribadi dan usaha meningkat 45%. Peningkatan ini membuktikan bahwa pendekatan berbasis praktik, kontekstual, dan partisipatif sangat efektif dalam mengatasi kesenjangan transformasi keuangan digital pelaku UMKM perempuan. Proyeksi kemajuan bagi pelaku UMKM perempuan dimasa mendatang yakni memperluas cakupan peserta, memperkuat pendampingan pasca pelatihan serta mempermudah akses pembiayaan formal.
INTEGRATING ISLAMIC MACROECONOMIC PRINCIPLES IN ANALYZING LABOR AND INFLATION AS DETERMINANTS OF INDONESIA’S INTERNATIONAL TRADE Rozak, Abdul; Minhajuddin, Minhajuddin; Jerfiani, Dhenahi; Zainol, Fakhrul Anwar
Finansha: Journal of Sharia Financial Management Vol. 6 No. 2 (2025): Finansha: Journal of Sharia Financial Management
Publisher : UIN Sunan Gunung Djati Bandung

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.15575/fjsfm.v6i2.49439

Abstract

This study examines the role of labor and inflation as Islamic macroeconomic determinants of Indonesia’s international trade during the period 2018–2022, offering an integrated empirical perspective that connects conventional trade theory with Islamic economic principles. It introduces an Islamic macroeconomic framework to assess labor and price stability as instruments of distributive justice and sustainable economic performance. Using a quantitative approach and multiple linear regression on secondary data from Statistics Indonesia and the World Bank, this study analyzes the relationship between annual export values, labor force participation, and inflation rates. The findings indicate that inflation has a statistically significant and negative effect on international trade, confirming that persistent price instability weakens export competitiveness. In contrast, labor shows a positive but statistically insignificant effect, suggesting that workforce growth has not been accompanied by proportional improvements in productivity. The regression model explains 61.4% of the variation in trade performance and is significant at the 10% level. Theoretically, the results reflect a divergence from conventional economic assumptions and underscore the relevance of Islamic macroeconomic instruments—such as justice (‘adl), equilibrium (tawazun), and welfare (maslahah)—in explaining trade dynamics. Practically, the study provides policy insights for designing Islamic macroeconomic strategies that integrate human capital development and ethical inflation management as pathways toward fair, stable, and sustainable trade. Overall, these findings contribute to the growing literature by empirically validating Islamic macroeconomic perspectives as a viable framework for strengthening economic resilience and social equity in Indonesia’s trade policy.
Co-Authors Abdul Rozak Minhajuddin, Minhajuddin Pratiwi, Nurul Aziz Zainol, Fakhrul Anwar