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All Journal JURNAL PENGABDIAN KEPADA MASYARAKAT Al-Kharaj: Journal of Islamic Economic and Business
Agnes Susanti Indrawati
Unknown Affiliation
Agriculture, Biological Sciences & Forestry Economics, Econometrics & Finance Law, Crime, Criminology & Criminal Justice Library & Information Science Social Sciences Other

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Pemberdayaan Ekonomi melalui Literasi Digital Anti Pinjaman Online Ilegal Albertus Reynaldi Nahak Taek; Yohanes Petrus Dote Koten; Helena Kurnia Mauk; Patricia Rina Florencita; Elviana Wehelmina Fani; Ananda Heppy Aizah; Maria Anastasia Ue; Anna Florentina Yunidista Bere; Maria Fransiska De Cantal Peni; Amrosia Paskalia Suni; Maria Gracelinda Loe; Fransiska Jessica Adventia Wea; Maria Imakulata Pongge; Agnes Susanti Indrawati; Adrianus Ketmoen
JURNAL PENGABDIAN KEPADA MASYARAKAT Vol 15 No 2 (2025): Desember 2025
Publisher : LPPM UNINUS

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.30999/jpkm.v15i2.3941

Abstract

Masyarakat Desa Tetaf, Kecamatan Kuatnana, Kabupaten Timor Tengah Selatan masih menghadapi rendahnya literasi digital dan keuangan sehingga rentan terhadap pinjaman online ilegal berbasis social engineering. Kegiatan pengabdian masyarakat ini bertujuan meningkatkan pemahaman warga agar mampu mengenali dan mencegah praktik pinjol ilegal. Metode yang digunakan adalah pendidikan partisipatif melalui penyuluhan, diskusi, dan simulasi dengan melibatkan 60 peserta dari berbagai kelompok masyarakat, seperti petani, ibu-ibu PKK, dan pemuda desa. Media edukasi berupa leaflet, video, dan poster OJK digunakan untuk mempermudah pemahaman. Hasil kuesioner menunjukkan 85% peserta memahami ciri pinjol ilegal, 78% berkomitmen memeriksa legalitas pinjaman, dan 72% mulai membatasi izin akses aplikasi di ponsel. Temuan ini menunjukkan adanya peningkatan pengetahuan dan perubahan perilaku masyarakat. Dengan demikian, edukasi berbasis partisipatif terbukti efektif dalam meningkatkan kesadaran digital dan keuangan masyarakat pedesaan, serta perlu dikembangkan lebih lanjut melalui pendampingan berkelanjutan
Innovation And Branding Strategy Of Local Food MSMES To Increase Competitiveness In Kupang City Enike Tje Yustin Dima; Agnes Susanti Indrawati; Maximilianus Paulus Jati Gamatara
Al-Kharaj: Journal of Islamic Economic and Business Vol. 8 No. 1 (2026): All articles in this issue include authors from 3 countries of origin (Indonesi
Publisher : LP2M IAIN Palopo

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.24256/kharaj.v8i1.9674

Abstract

Objective: This study examines how product innovation and branding strategy influence the competitiveness of local food MSMEs in Kupang City, with e-commerce adoption positioned as a mediating variable. Design/Methods/Approach: A quantitative approach was employed using SEM-PLS based on survey data from 258 local food MSMEs in Kupang City collected through purposive sampling. Findings: Product innovation and branding strategy have positive and significant direct effects on MSME competitiveness. Branding strategy has a strong and significant effect on e-commerce adoption, while product innovation does not. E-commerce adoption does not significantly affect competitiveness and does not mediate the relationships between innovation/branding and competitiveness. Originality/Value: This study integrates product innovation, branding strategy, and e-commerce adoption in a single empirical model for local food MSMEs, providing evidence from an underexplored regional context (Kupang City, East Nusa Tenggara). Practical/Policy implication: MSME development programs should prioritize innovation and branding assistance, while digital interventions should focus on improving digital readiness (skills, logistics, and infrastructure) so e-commerce can contribute effectively.
Co-Authors Adrianus Ketmoen Albertus Reynaldi Nahak Taek Amrosia Paskalia Suni Ananda Heppy Aizah Anna Florentina Yunidista Bere Elviana Wehelmina Fani Enike Tje Yustin Dima Fransiska Jessica Adventia Wea Helena Kurnia Mauk Maria Anastasia Ue Maria Fransiska De Cantal Peni Maria Gracelinda Loe Maria Imakulata Pongge Maximilianus Paulus Jati Gamatara Patricia Rina Florencita Yohanes Petrus Dote Koten