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All Journal Amkop Management Accounting Review (AMAR) Academia Open
Muhammad Syahbudi
Program Studi Ekonomi Islam, Universitas Islam Negeri Sumatera Utara
Humanities Economics, Econometrics & Finance Medicine & Pharmacology Public Health Social Sciences

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The Impact of KUR Super Mikro on MSME Turnover at Pegadaian Syariah: Dampak KUR Super Mikro terhadap Perputaran Modal Usaha Mikro, Kecil, dan Menengah (UMKM) di Pegadaian Syariah Muhammad Deffa Ray; Muhammad Syahbudi; Rahmi Syahriza
Academia Open Vol. 10 No. 2 (2025): December
Publisher : Universitas Muhammadiyah Sidoarjo

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.21070/acopen.10.2025.11554

Abstract

General background: MSMEs play a strategic role in driving economic growth and employment absorption in Indonesia. Specific background: However, many MSMEs still face difficulties in accessing formal financing due to high-interest rates and complex requirements, prompting the government to introduce the KUR Super Mikro program through Sharia-based institutions like Pegadaian Syariah. Knowledge gap: Despite its potential, studies analyzing the specific impact of this program on MSME turnover at the branch level remain limited. Aims: This study aims to analyze the impact of the KUR Super Mikro implementation on the turnover of MSMEs at Pegadaian Syariah CPS Ar Hakim. Results: Using a quantitative approach and the Wilcoxon Signed-Rank Test on 78 respondents, the results showed a significant average turnover increase of 79.70% after receiving the financing. Business rotation also improved notably, and all respondents positively assessed the program. Novelty: This study contributes empirical evidence regarding the effectiveness of Sharia-based microfinancing on MSME turnover in a specific Pegadaian branch, which has been rarely studied. Implications: The findings suggest that expanding the KUR Super Mikro program and integrating it with business mentoring is essential to enhance its long-term impact and support MSME sustainability.Highlight : MSME turnover increased by an average of 79.70% after receiving KUR Super Mikro. The speed of business turnover of MSMEs experienced a significant increase. All respondents stated that the program was very helpful for business development. Keywords : KUR Super Micro, MSMEs, Pegadaian Syariah, Turnover, Sharia Financing
User Perceptions Toward Gamification in Digital Sharia Savings: Persepsi Pengguna Terhadap Gamifikasi dalam Tabungan Syariah Digital Muhammad Andreansyah Ilham Sembiring Andre; Sri Ramadhani; Muhammad Syahbudi
Academia Open Vol. 10 No. 2 (2025): December
Publisher : Universitas Muhammadiyah Sidoarjo

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.21070/acopen.10.2025.11563

Abstract

General Background: The rapid digital transformation in Indonesia's Islamic banking sector aims to improve service quality and financial inclusion through mobile applications. Specific Background: Despite technological advancements, user engagement with digital Islamic savings remains low, highlighting a need for innovative strategies. Knowledge Gap: Limited research exists on the role of gamification in enhancing engagement with Sharia-based digital financial products, especially outside Java. Aims: This study investigates user perceptions of gamification elements—such as daily missions, challenges, and progress bars—on engagement with Bank Jago Syariah's mobile savings platform in Medan. Results: Using the Technology Acceptance Model, findings from 30 users show that perceived enjoyment (score: 85), usefulness (82), and intention to use (81) are all rated highly. Qualitative insights confirm that gamification motivates users and improves satisfaction. Novelty: This research offers a regional perspective from Medan, filling a geographic and thematic gap by integrating Sharia values with gamification design. Implications: The results suggest that interactive, Sharia-compliant gamification features can effectively boost user loyalty and should be strategically implemented in Islamic fintech development.Highlight : Gamification such as daily missions and progress bars were shown to increase user motivation and engagement. Perceived Enjoyment scored the highest, indicating fun to be a key factor in feature adoption. Customization of features with Shariah values and user-friendly interfaces are recommended to increase loyalty. Keywords : Gamification, Tabungan Syariah Digital, Keterlibatan Pengguna, TAM, Bank Jago Syariah
Digital-Based Business Development Strategy with a Pentahelix Approach (Case Study of Bolen Bunda Ibra Rantau Prapat) Indah Uzrisa Harahap; Muhammad Syahbudi; Nuri Aslami
Amkop Management Accounting Review Vol. 5 No. 2 (2025): July - December
Publisher : Yayasan Vifada Cendikia Indonesia

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.37531/amar.v5i2.2754

Abstract

The purpose of this study was to determine the digital-based business development strategy with a pentahelix approach at Bolen Bunda Ibra in Rantau Prapat. The background of the problem raised is the challenges faced by micro, small and medium enterprises (MSMEs) in utilizing digital technology to increase competitiveness in the industrial era 4.0. The novelty of this research lies in the application of the pentahelix model which involves collaboration between government, academics, businesses, communities, and the media in developing effective digital strategies. This research uses the SOAR (Strengths, Opportunities, Aspirations, Results) analysis method which is a development of SWOT analysis and QSPM (Quantitative, Strategic, Planning, Matrix) matrix. It is suggested that the importance of collaboration between stakeholders in encouraging the digital transformation of MSMEs, as well as the need for policy support and training to improve the digital literacy of bolen bunda ibra rantauprapat business actors.
Co-Authors Indah Uzrisa Harahap Muhammad Andreansyah Ilham Sembiring Andre Muhammad Deffa Ray Nuri Aslami Rahmi Syahriza Sri Ramadhani