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All Journal Tepis Wiring : Jurnal Pengabdian Masyarakat Journal of Economics and Social Sciences
Murtasiyah
Institut Agama Islam Hasan Jufri Bawean
Agriculture, Biological Sciences & Forestry Humanities Economics, Econometrics & Finance Environmental Science Law, Crime, Criminology & Criminal Justice Materials Science & Nanotechnology Public Health Social Sciences

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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.
Pendampingan Digitalisasi Pemasaran Produk Lokal melalui Media Promosi dan Pengembangan  E-Commerce di Dusun Gunung Mas Rasiah; Murtasiyah; Muhammad Febri; Siti Jamilah; Syarifah; Nur Afni Oktavia
Jurnal Pengabdian Masyarakat: Tipis Wiring Vol 5 No 2 (2026): Tepis Wiring: Jurnal Pengabdian Masyarakat
Publisher : Fakultas Ekonomi dan Bisnis Unversitas Islam Raden Rahmat

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.33379/tepiswiring.v5i2.11324

Abstract

Digitalization of marketing has become increasingly important for local businesses to expand market reach and strengthen product competitiveness. This community service program aimed to enhance the capacity of the community in Gunung Mas Hamlet, particularly local MSME actors and micro-enterprise owners, to utilize digital promotional media and e-commerce as marketing tools for local products. The program was conducted on August 26, 2026, at Mushola Tengah, Gunung Mas Hamlet, Lebak Village, involving 30 participants. The program employed a Participatory Action Research (PAR) approach through several stages, including problem identification, planning, action, mentoring, and reflection and evaluation. The training materials covered Sharia-based digital marketing, content creation strategies, social media utilization, digital promotion techniques, and e-commerce development. Practical activities focused on developing promotional media and creating Shopee accounts to support the marketing of fresh chicken and cassava products. Evaluation was conducted using pre-tests and post-tests, with participants classified into three competency levels: good, moderate, and low. The results demonstrated a substantial improvement in the proportion of participants achieving the good competency level, increasing from 4 participants (13.3%) in the pre-test to 24 participants (80.0%) in the post-test. Meanwhile, the proportion of participants in the low competency category decreased from 15 participants (50.0%) to none (0%) after the intervention. These findings indicate that the mentoring program effectively enhanced participants’ capacity to understand and apply digital marketing strategies. Continued mentoring is recommended to ensure the sustainable adoption of e-commerce and strengthen the independent marketing of local products
Co-Authors Alif Sandika Putra Andrian Firman Shah Inayatul Fatimah Mudarrisa Muhammad Febri Muhammad Rahel Nur Afni Oktavia Qomarul Haq Rasiah Raudatul Jannah Rifky Ananda Rahman Salsabilaturribi Siti Jamilah Syarifah