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All Journal Penentuan harga obligasi dan teori tingkat bunga Jurnal Pengabdian Masyarakat Berdampak
Aqilah, Najla
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Aerospace Engineering Agriculture, Biological Sciences & Forestry Automotive Engineering Chemical Engineering, Chemistry & Bioengineering Computer Science & IT Economics, Econometrics & Finance Education Social Sciences Other

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Enhancing Digital Literacy for Rural Communities in Empat Negeri Village, Batu Bara Regency Nasution, Mira Nazwa Utami; Aqilah, Najla; Atfa, Raudhatun; Nasution, Insya Widya Agustini; Sopha, Diana
Jurnal Pengabdian Masyarakat Berdampak Vol. 1 No. 3 (2025): September 2025
Publisher : Raskha Media Group

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.64803/jupemba.v1i3.57

Abstract

This community service initiative was designed to enhance the technological capacity and digital awareness of residents in Empat Negeri Village, Batu Bara Regency. The community initially faced difficulties in utilizing digital media effectively for learning, communication, and local economic activities. The primary aim of this program was to develop essential digital competencies that would foster independence and long-term community resilience. Implementation involved interactive outreach, practical workshops, and guided digital exercises facilitated by one lecturer and four students from the University of Muslim Nusantara Al Washliyah, working collaboratively with village authorities. The activity involved around 50 participants, consisting of small business owners, youth, and local community figures. The evaluation process included preliminary and final assessments, observational notes, and reflection sessions to measure learning progress and engagement. The outcomes demonstrated a notable increase in digital skills, as participants displayed greater proficiency and confidence in operating computers, smartphones, and digital platforms. The overall digital literacy rate rose from 25% before training to approximately 75% afterward. Several participants were able to apply digital tools in promoting their businesses and accessing online learning opportunities. This initiative successfully strengthened rural communities’ readiness for the digital era, while fostering educational equity and economic participation.
Analisis Manajemen Risiko Pada Perusahaan Asuransi Syariah pada Divisi Sales and Service Aqilah, Najla; Chairani, Naysilla; Dwi Laksono , Muhammad; Damayanti , Afifah; Siti Khodimah, Esha; Komang Mia Fabiola, Ni; Setiawan Nuraya, Ahmad
Jurnal SEKURITAS (Saham, Ekonomi, Keuangan dan Investasi) Vol. 9 No. 2 (2026): JURNAL SEKURITAS
Publisher : Prodi Manajemen Universitas Pamulang

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.32493/skt.v9i2.55167

Abstract

Penelitian ini bertujuan untuk menganalisis efektivitas manajemen risiko pada perusahaan asuransi syariah, dengan fokus pada divisi Sales and Service yang berperan penting dalam pemasaran, pelayanan informasi, serta pengelolaan hubungan dengan peserta. Divisi ini menghadapi berbagai kategori risiko, antara lain risiko operasional, risiko kepatuhan syariah, risiko kepatuhan dan regulasi, risiko SDM dan integritas, serta risiko mitigasi yang timbul akibat kurang efektifnya pengendalian dan strategi pencegahan risiko. Penelitian ini menggunakan pendekatan evaluatif dengan metode kualitatif melalui wawancara mendalam, observasi alur layanan, serta telaah dokumen untuk menilai penerapan manajemen risiko serta efektivitas mekanisme pengendalian yang diterapkan perusahaan. Hasil penelitian menunjukkan bahwa perusahaan telah melaksanakan sejumlah langkah mitigasi, seperti penguatan standar operasional prosedur, peningkatan kompetensi dan integritas SDM, pemantauan internal secara berkelanjutan, serta pemanfaatan sistem teknologi informasi. Namun demikian, ditemukan beberapa hambatan, termasuk keterbatasan integrasi data, ketidakkonsistenan implementasi SOP, potensi ketidakpatuhan terhadap regulasi dan prinsip syariah, serta kelemahan dalam mekanisme mitigasi yang menyebabkan beberapa risiko tetap muncul. Temuan ini menegaskan bahwa efektivitas manajemen risiko tidak hanya ditentukan oleh kebijakan dan pedoman yang berlaku, tetapi juga oleh konsistensi implementasi, kualitas SDM, dan evaluasi berkelanjutan. Oleh karena itu, penelitian ini merekomendasikan penguatan digitalisasi proses layanan, peningkatan pelatihan kepatuhan syariah dan regulasi, serta perbaikan sistem pengawasan internal guna meningkatkan efektivitas manajemen risiko pada divisi Sales and Service.
Co-Authors Atfa, Raudhatun Chairani, Naysilla Damayanti , Afifah Dwi Laksono , Muhammad Komang Mia Fabiola, Ni Nasution, Insya Widya Agustini Nasution, Mira Nazwa Utami Setiawan Nuraya, Ahmad Siti Khodimah, Esha Sopha, Diana