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All Journal Bima Abdi: Jurnal Pengabdian Masyarakat Journal of Economics and Social Sciences
Rifky Ananda Rahman
Institut Agama Islam Hasan Jufri Bawean
Agriculture, Biological Sciences & Forestry Economics, Econometrics & Finance Education Languange, Linguistic, Communication & Media Law, Crime, Criminology & Criminal Justice Materials Science & Nanotechnology Social Sciences Other

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Shift in Payment Method Preferences from Cash to Sharia-Based Mobile Banking: A Study of Muslim Consumer Behavior on Bawean Island Muhammad Rahel; Andrian Firman Shah; Raudatul Jannah; Rifky Ananda Rahman; Qomarul Haq; Alif Sandika Putra; Mudarrisa; Salsabilaturribi; Murtasiyah; Inayatul Fatimah
Journal of Economics and Social Sciences (JESS) Vol. 4 No. 2 (2025): Journal of Economics and Social Sciences (JESS)
Publisher : CV. Civiliza Publishing

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.59525/jess.v4i2.1233

Abstract

This study aims to analyze the determinants of the shift in payment preferences from cash to Sharia-based mobile banking among Muslim consumers on Bawean Island. This study highlights the adaptation of financial technology in an archipelagic region with strong religious cultural characteristics and dependence on the migrant economy. The research method used a descriptive quantitative approach through a survey of 107 respondents residing in Sangkapura and Tambak subdistricts, with demographic variations ranging from students to entrepreneurs. The results reveal that technology adoption is dominated by younger age groups (Generation Z and Millennials). Utility factors such as transaction speed, bill payment efficiency, and ease of receiving remittances from migrant relatives are the main functional drivers. Substantially, religious aspects including halal guarantees, riba-free principles, and the integration of worship features proved to be distinguishing factors that built user trust and peace of mind. Although perceptions of application security were relatively high, infrastructure constraints in the form of unstable internet signals remained a significant technical obstacle in the region. Overall, it is concluded that sharia mobile banking in Bawean has transformed into a vital solution that bridges the needs of modern economic transactions with compliance with Islamic values.
Pemberdayaan Masyarakat Berbasis Potensi Lokal untuk Mewujudkan Dusun Mandiri dan Berdaya di Dusun Tanjung Kima, Desa Kumalasa Muhammad Rahel; Muhammad Fadzli; Nur Maimana; Rifky Ananda Rahman; Muhammad Farhan; Alfian Zulkarnain; Inayatul Fatimah
Bima Abdi: Jurnal Pengabdian Masyarakat Vol. 6 No. 3 (2026): Bima Abdi: Jurnal Pengabdian Masyarakat
Publisher : Yayasan Pendidikan Bima Berilmu

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.53299/ba-jpm.v6i3.5472

Abstract

Kegiatan pengabdian kepada masyarakat ini bertujuan untuk memperkuat kemandirian masyarakat melalui pengembangan potensi ekonomi lokal, peningkatan sarana dan lingkungan dusun, serta penguatan pendidikan dan kehidupan keagamaan di Dusun Tajung Kima Sumur-Sumur, Desa Kumalasa, Pulau Bawean. Kegiatan menggunakan pendekatan partisipatif yang menempatkan masyarakat sebagai mitra aktif dalam setiap tahapan pelaksanaan. Tahapan kegiatan meliputi (1) observasi dan identifikasi masalah, yaitu pemetaan kondisi lingkungan, sarana dasar, potensi UMKM, serta kebutuhan pendidikan dan keagamaan; (2) koordinasi dan perencanaan, melalui komunikasi dengan pemerintah desa, tokoh masyarakat, pemuda, pelaku UMKM, dan tokoh agama untuk menentukan prioritas program; (3) pelaksanaan program pemberdayaan, berupa pendampingan UMKM kerupuk Lecoin, ikan asin, dan Sasangon dalam pengembangan kemasan, branding, dan pemasaran produk; (4) peningkatan sarana dan lingkungan dusun, melalui pemasangan penerangan jalan dan reflektor, papan penanda TPU, perbaikan fasilitas mandi umum, penambalan jalan, serta pemasangan nomor rumah; (5) penguatan kebersihan lingkungan, melalui gotong royong, pembersihan drainase, pantai, fasilitas umum, dan pengelolaan bank sampah; serta (6) penguatan pendidikan, kepemudaan, dan keagamaan, melalui bimbingan belajar, tadarus, pengajian, dan pembinaan pemuda. Tahap akhir dilakukan melalui evaluasi bersama untuk mengetahui capaian dan keberlanjutan program. Hasil kegiatan menunjukkan adanya peningkatan kapasitas UMKM, kualitas lingkungan, keteraturan fasilitas dusun, serta partisipasi masyarakat dalam kegiatan pendidikan dan keagamaan. Integrasi berbagai program tersebut menjadi strategi yang relevan dalam memperkuat kemandirian dan partisipasi masyarakat desa.
Co-Authors Alfian Zulkarnain Alif Sandika Putra Andrian Firman Shah Inayatul Fatimah Mudarrisa Muhammad Fadzli Muhammad Farhan Muhammad Rahel Murtasiyah Nur Maimana Qomarul Haq Raudatul Jannah Salsabilaturribi