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All Journal Bulletin of Community Engagement Jurnal Pengabdian Masyarakat
Auliah Alwi
Universitas Muslim Indonesia, Indonesia
Religion Arts Humanities Computer Science & IT Education Electrical & Electronics Engineering Social Sciences Other

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The Role of Interest and Belief in Increasing Loyalty Among Users of Sharia E-Money in Makassar City Jamaluddin; Anwar Enre; Auliah Alwi; Hastuti; Ayesha Smitha
Bulletin of Community Engagement Vol. 6 No. 1 (2026): Bulletin of Community Engagement
Publisher : CV. Creative Tugu Pena

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.51278/bce.v6i1.2292

Abstract

This research investigates the factors influencing the loyalty of Sharia e-money users in Makassar City, Indonesia, amidst the rapid development of digital payment systems, including sharia-based e-money. The study emphasizes the importance of Trust and Interest in driving user loyalty. A quantitative approach with a causal-associative design was adopted, involving 100 randomly selected respondents from a population of 1.5 million. Data were collected through a closed questionnaire and analyzed using Structural Equation Modelling (SEM) with SmartPLS. The results revealed that both Trust (β = 0.199; p = 0.010) and Interest (β = 0.670; p < 0.001) significantly influenced loyalty, with Interest emerging as the dominant factor. The research model accounted for 69.5% of the variation in loyalty (R² = 0.695), and the instrument met the required validity and reliability criteria. The study concludes that boosting Interest through effective promotion, innovative services, and a strong Sharia image is more influential in fostering loyalty compared to solely focusing on Trust, though both factors remain crucial. This research contributes valuable insights to Sharia e-money service providers and regulators, offering strategic guidance for the development of policies aimed at enhancing user loyalty. Furthermore, it enriches the Sharia digital finance literature, particularly in the context of Makassar, which presents unique market characteristics.
Mengubah Hobi Jadi Cuan dengan BMC Islamic di SMA 22 Kota Makassar Auliah Alwi; Dyah Aldillah Armin; Muhammad Rusli; Akhmad Fadhillah Kartono; Muhammad Ghifari
Jurnal Pengabdian Masyarakat Vol. 4 No. 1 (2026): Jurnal Pengabdian Masyarakat (Abdimas)
Publisher : Jurusan Pendidikan Teknik Elektro

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.59562/abdimas.v4i1.12564

Abstract

Kegiatan pengabdian kepada masyarakat ini bertujuan untuk meningkatkan pemahaman siswa mengenai kewirausahaan melalui penerapan pendekatan Business Model Canvas Islamic (BMC Islamic) dalam mengubah hobi menjadi peluang ekonomi yang produktif. Kegiatan dilaksanakan di SMA Negeri 22 melalui edukasi kewirausahaan, diskusi interaktif, serta pelatihan penyusunan perencanaan bisnis sederhana. Program ini memberikan pemahaman kepada siswa mengenai konsep ekonomi kreatif, kewirausahaan digital, dan etika bisnis Islam dalam menjalankan usaha di era modern. Peserta diarahkan untuk mengenali potensi hobi yang dimiliki, kemudian mengembangkan hobi tersebut menjadi peluang usaha yang bernilai ekonomis berdasarkan prinsip-prinsip Islam seperti kejujuran, keadilan, produk halal, serta tanggung jawab sosial. Metode pelaksanaan kegiatan meliputi ceramah, diskusi kelompok, simulasi penyusunan model bisnis, dan sesi pendampingan. Melalui kegiatan ini, siswa diperkenalkan pada komponen-komponen BMC Islamic seperti customer segment, value proposition, revenue stream, dan penerapan nilai syariah dalam kegiatan usaha. Hasil kegiatan menunjukkan adanya peningkatan motivasi, kreativitas, serta kesadaran kewirausahaan siswa. Peserta juga memperoleh pengetahuan mengenai strategi pemasaran digital dan penyusunan rancangan bisnis sederhana berbasis syariah. Kegiatan ini menyimpulkan bahwa pendidikan kewirausahaan yang terintegrasi dengan nilai-nilai Islam mampu memberikan pengaruh positif terhadap kemandirian, kreativitas, dan kesadaran ekonomi siswa di era digital. Oleh karena itu, diperlukan pendampingan berkelanjutan serta kerja sama antara sekolah dan perguruan tinggi guna mendukung pengembangan kewirausahaan siswa secara berkesinambungan
Co-Authors Anwar Enre Ayesha Smitha Dyah Aldillah Armin Hastuti Jamaluddin Kartono, Akhmad Fadhillah Muhammad Ghifari Muhammad Rusli