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All Journal Jurnal Pelayanan dan Pengabdian Masyarakat Indonesia International Journal of Islamic Business Management
Annisa Afwani
Universitas Islam Negeri Sumatera Utara
Religion Arts Humanities Computer Science & IT Decision Sciences, Operations Research & Management Economics, Econometrics & Finance Education Engineering Law, Crime, Criminology & Criminal Justice

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PERSEPSI MAHASISWA TERHADAP PELAYANAN BANK SYARIAH Annisa Afwani; Anggun Rohaya Putri Munthe; Khaila Calsa Fhadillah; Muhammad Ikhsan Harahap
INTERNATIONAL, Journal of Sharia Business Management Vol 4 No 4 (2025): Desember
Publisher : CV. Barokah Publsiher

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Abstract

This study aims to analyze students' perceptions of Islamic banking services using a qualitative, interview-based approach. The primary focus of the study is students' understanding of Islamic service principles, their experiences as customers and prospective customers, and the factors influencing their assessment of service quality. Data were obtained through semi-structured interviews with several students from various study programs. The results indicate that most students have positive perceptions of Islamic banking service ethics and transaction security. However, complaints persist regarding the limited digitalization of services and the lack of socialization regarding Islamic products. This study recommends optimizing education, improving digital technology, and strengthening services based on the values ​​of maqāṣid al-Shari'ah (the principles of Islamic principles).
STRATEGI PENYUSUNAN ANGGARAN BAHAN BAKU DALAM MENINGKATKAN EFISIENSI PRODUKSI PERUSAHAAN Dini Vientiany; Miranti Agustina; Annisa Afwani; Khaila Calsa Fhadillah
INTERNATIONAL, Journal of Sharia Business Management Vol 4 No 4 (2025): Desember
Publisher : CV. Barokah Publsiher

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Production efficiency is a crucial factor in improving company performance and competitiveness, particularly in manufacturing companies that rely heavily on raw material cost management. The raw material budget serves as a tool for planning and controlling production costs to ensure effective and efficient production processes. This study aims to analyze the role and strategies of raw material budgeting in improving company production efficiency. The research method used is a literature review with a descriptive qualitative approach. Data were obtained from textbooks, national and international journals, and relevant scientific articles, then analyzed using a SWOT analysis. The results show that the raw material budget has the strength to improve cost control and production efficiency, but still has the weakness of relying on historical data. Opportunities for utilizing information technology can improve budget accuracy, while fluctuations in raw material prices are a major threat. Adaptive budgeting strategies are needed to support sustainable production efficiency.
MENGEMBANGKAN STRATEGI BISNIS DI ERA TRANSFORMASI DIGITAL Annisa Afwani; Khaila Calsa Fhadillah; Muhammad Habib Rifky; Nurbaiti
INTERNATIONAL, Journal of Sharia Business Management Vol 4 No 5 (2025): Desember
Publisher : CV. Barokah Publsiher

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Digital transformation has fundamentally changed the way companies operate, interact with customers, and compete in global markets. Companies are not only faced with the need to adopt new technology, but also have to adapt their business models, internal processes and human resource management strategies to remain relevant. This research aims to explore effective business strategies in facing the era of digital transformation. The research method used is qualitative, with a case study approach and in-depth interviews with companies that have implemented digital transformation. Research findings show that technology integration, business model innovation, development of HR capabilities, and the formation of an adaptive organizational culture are key factors for success. This research concludes that a comprehensive and holistic business strategy—combining aspects of technology, people, processes and business models—is the main key to building a competitive company in the digital era.
Generasi Z di Era Digital: Pengaruh Literasi Keuangan dan Penggunaan Financial Technology terhadap Perilaku Keuangan Annisa Afwani; Khoirotun Nisa Limbong; Elsa Rahmayani; Sapna Maharani Saragih; Khaila Nazwa Syahbani; Zahratul Izami
Jurnal Pelayanan dan Pengabdian Masyarakat Indonesia Vol. 5 No. 3 (2026): September : Jurnal Pelayanan dan Pengabdian Masyarakat Indonesia
Publisher : Sekolah Tinggi Ilmu Administrasi Yappi Makassar

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.55606/jppmi.v5i3.2999

Abstract

This study aims to analyze financial literacy and the use of financial technology in shaping the financial behavior of Generation Z through student community service activities (Kuliah Kerja Nyata or KKN) conducted directly in the field. This study employed a descriptive qualitative approach, with data collected through observation, in-depth interviews, and documentation. Informants were selected purposively based on their involvement and experience in using digital financial services. The results showed that Generation Z had a basic understanding of financial management, but its application was not yet fully consistent, particularly in recording expenses, setting priorities, and controlling purchases based on wants. The use of financial technology, including digital wallets, mobile banking, and QR-based payments, provided transaction convenience but could also encourage spontaneous spending. Education provided by KKN students helped improve informants’ understanding of financial planning, digital transaction security, expenditure control, and responsible use of technology. The activities also encouraged initial awareness of recording transactions and distinguishing needs from wants. This study emphasizes that integrating financial literacy with wise use of financial technology is necessary to support more planned and responsible financial behavior among Generation Z.
Co-Authors Anggun Rohaya Putri Munthe Dini Vientiany Elsa Rahmayani Khaila Calsa Fhadillah Khaila Nazwa Syahbani Khoirotun Nisa Limbong Miranti Agustina Muhammad Habib Rifky Muhammad Ikhsan Harahap Nurbaiti, Nurbaiti Sapna Maharani Saragih Zahratul Izami