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Abdullah A Afifi
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Jl. Prof Dr HAMKA, Payakumbuh Utara, Kota Payakumbuh, Sumatera Barat, Indonesia
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Journal of Regional Development and Technology Initiatives
Published by IDRIS Darulfunun Institute
ISSN : -     EISSN : 30465745     DOI : https://doi.org/10.58764/jrdti
Core Subject : Economy, Science, Education, Social,
Decision Sciences, Operations Research & Management Economics, Econometrics & Finance Environmental Science Social Sciences Other
A multidisciplinary journal that encompasses topics of regional development, business management, technology and initiatives. The ultimate objective of this journal is to disseminate knowledge for improving regional business development and technology practices. This journal also aims to strengthen the theoretical base for supporting policy and initiatives. Articles accepted need to be based on rigorous sound theory and contain an essential novel scientific contribution. Relevant subjects; community-based studies that expose development practices and interactions, sustainability on rural green agriculture and development of environment and energy friendly, local technology innovations, regional industries and economics, policy initiatives and collaborative engagement.
Arjuna Subject : Bisnis, Menejemen, dan Akutansi (semua kategori) - Menejemen Teknologi dan Inovasi
Articles 6 Documents
 1 
Search results for , issue "vol. 3 no. 1 (2025)" : 6 Documents clear
Waste Management in the Circular Economy Framework: A Study on Biomass and Compost Potential Production in Payakumbuh City Afifi, Abdullah A; Arifin, Nor Anisa; Taslapratama, Irwan
Journal of Regional Development and Technology Initiatives Vol. 3 No. 1 (2025)
Publisher : IDRIS Darulfunun Institute

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.58764/j.jrdti.2025.3.93

Abstract

This study explores the potential of integrating waste management strategies with circular economy principles to enhance biomass and compost production in the greater Payakumbuh area. As regional urbanization and domestic waste levels continue to rise, there is an urgent need to shift from linear waste disposal systems toward resource-oriented waste valorization. This paper proposes a circular model that repositions organic household waste as a green input for local biomass energy and organic fertilizer production, thereby contributing to environmental sustainability, regional agricultural resilience, and green economic development. Drawing on interdisciplinary frameworks from circular economy theory, waste-to-resource models, and regional development planning, the study analyzes the feasibility of composting and anaerobic digestion as localized waste treatment technologies. It also examines governance challenges, infrastructure readiness, and community engagement in the region. The case of Payakumbuh, where agricultural productivity and urban waste generation are closely intertwined, illustrates both the opportunities and constraints of implementing circular economy strategies in smaller Indonesian urban centers. By conceptualizing a closed-loop system tailored to the socio-economic characteristics of Payakumbuh, this research provides a foundation for future empirical studies and policy interventions aimed at sustainable resource management and low-carbon regional transformation.
AI Integration in Nigeria’s Financial Sector: Challenges and Opportunities for Professional Development Muhammad, Adamu Abubakar; Ardo, Adam Muhammad; Aliyu, Shafa'at Ahmad; Muhammad, Ibrahim Abubakar; Jika, Fadimatu Ahmed
Journal of Regional Development and Technology Initiatives Vol. 3 No. 1 (2025)
Publisher : IDRIS Darulfunun Institute

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.58764/j.jrdti.2025.3.103

Abstract

Artificial Intelligence (AI) is transforming banking, accounting, auditing, risk management, and customer service operations. In Nigeria, the integration of AI into the financial sector presents both unprecedented opportunities and significant challenges. This study examines the implications of AI adoption for professional development among Nigerian finance practitioners. Based on the frameworks of technological diffusion and human capital development, the research investigates how AI-driven tools like machine learning, natural language processing, robotic process automation, and predictive analytics are influencing financial practices and the skills required of professionals. The study uses a mixed-methods approach, combining survey data from finance professionals in selected Nigerian banks and fintech firms with qualitative interviews with regulators, educators, and technology experts. In addition to highlighting important opportunities like increased productivity, fraud detection, financial inclusion, and better decision-making, the findings are anticipated to point out significant obstacles like job displacement, ethical dilemmas, regulatory gaps, and a lack of professional AI literacy. In order to create a workforce prepared for AI, the study emphasizes the necessity of ongoing professional development, curriculum change in finance and accounting education, and cooperative efforts between the government, business community, and professional associations. The study conclude that effective AI integration in Nigeria's financial sector depends not only on the availability of technology but also on giving finance professionals the knowledge, moral compass, and flexible abilities they need to prosper in the age of digital transformation.
Industrial Maturity: Bridging Capability Development and Business Transformation Abdullah A Afifi
Journal of Regional Development and Technology Initiatives Vol. 3 No. 1 (2025)
Publisher : IDRIS Darulfunun Institute

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.58764/j.jrdti.2025.3.159

Abstract

In today's economic development, business transformation is a key characteristic of the process, as a result of the speed of technological change, digitalization, and the increasing globalisation of production systems. The manufacturing sector is under growing pressure to embrace new technological paradigms like advanced automation, data-driven production, and interconnected ecosystems. In this changing context, the term 'industrial maturity' has become important as a tool to analyse the development of industries from simple production systems to more complex, resilient and innovative systems. The concept of industrial maturity is still not well developed in the academic literature, especially in the explanation of the relationship between capability development and business transformation, despite its increased significance. This study revisits and conceptualizes industrial maturity by combining the concepts of capability theory, the resource-based view, and the literature on business model innovation to understand how technological resources and organizational capabilities can be the drivers of industrial transformation. The paper suggests a conceptual framework that presents industrial maturity as an evolutionary outcome of a combination of technology-driven resources, capability development, and business transformation. Technology-driven resources resemble the technological components of infrastructures, human resources, knowledge assets, and organization that facilitate industrial development. Capability accumulation is the ability of firms to implement, adapt, and deploy these resources effectively. Business transformation is the strategic reconfiguration of capabilities, assets, and business models in response to technological change. The proposed framework emphasizes that industrial maturity is not just a matter of technological adoption but a gradual evolution process that requires technological resource building, strategic adaptation, and ecosystem integration. More mature industries have more advanced technological capacities, adaptive business systems, and more robust innovation networks. This study brings a conceptual approach to the literature on industrial development and lays the groundwork for future empirical studies on business transformation in the digital economy.
Industrial Maturity: Bridging Capability Development and Business Transformation Abdullah A Afifi
Journal of Regional Development and Technology Initiatives Vol. 3 No. 1 (2025)
Publisher : IDRIS Darulfunun Institute

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.58764/j.jrdti.2025.3.159

Abstract

In today's economic development, business transformation is a key characteristic of the process, as a result of the speed of technological change, digitalization, and the increasing globalisation of production systems. The manufacturing sector is under growing pressure to embrace new technological paradigms like advanced automation, data-driven production, and interconnected ecosystems. In this changing context, the term 'industrial maturity' has become important as a tool to analyse the development of industries from simple production systems to more complex, resilient and innovative systems. The concept of industrial maturity is still not well developed in the academic literature, especially in the explanation of the relationship between capability development and business transformation, despite its increased significance. This study revisits and conceptualizes industrial maturity by combining the concepts of capability theory, the resource-based view, and the literature on business model innovation to understand how technological resources and organizational capabilities can be the drivers of industrial transformation. The paper suggests a conceptual framework that presents industrial maturity as an evolutionary outcome of a combination of technology-driven resources, capability development, and business transformation. Technology-driven resources resemble the technological components of infrastructures, human resources, knowledge assets, and organization that facilitate industrial development. Capability accumulation is the ability of firms to implement, adapt, and deploy these resources effectively. Business transformation is the strategic reconfiguration of capabilities, assets, and business models in response to technological change. The proposed framework emphasizes that industrial maturity is not just a matter of technological adoption but a gradual evolution process that requires technological resource building, strategic adaptation, and ecosystem integration. More mature industries have more advanced technological capacities, adaptive business systems, and more robust innovation networks. This study brings a conceptual approach to the literature on industrial development and lays the groundwork for future empirical studies on business transformation in the digital economy.
Implementing the Merdeka Curriculum in Chemistry Learning Through Tutoring: A Qualitative Study at Madrasah Aliyah Darul Funun El Abbassiyyah Ratna Furi; Abdullah A. Afifi; Mona Eliza
Journal of Regional Development and Technology Initiatives Vol. 3 No. 1 (2025)
Publisher : IDRIS Darulfunun Institute

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.58764/j.jrdti.2025.3.192

Abstract

The implementation of the Merdeka Curriculum emphasizes differentiated learning that accommodates students' diverse abilities, interests, and learning needs. In chemistry education, this approach is particularly important because students often experience difficulties in understanding abstract concepts that require strong conceptual reasoning. This study aims to examine the implementation of the Merdeka Curriculum in chemistry learning through a tutoring program at Madrasah Aliyah Darul Funun El Abbassiyyah. A descriptive qualitative research design was employed to provide an in-depth description of the implementation process. The study used the researcher as the primary research instrument, while data were collected through classroom observations and interviews. The collected data were analyzed descriptively by identifying and interpreting phenomena related to the implementation of tutoring in chemistry learning. The findings reveal that students possess diverse levels of academic ability, learning interests, and talents, requiring instructional approaches that extend beyond regular classroom teaching. The school implements an additional tutoring program outside regular instructional hours to provide more personalized guidance according to students' characteristics and academic potential. Through this program, teachers are able to identify students' competencies, monitor their conceptual understanding of chemistry, and facilitate the development of their interests and talents. The tutoring activities also support students' preparation for academic competitions, including the National Science Olympiad (OSN) and the Madrasah Science Competition (KSM), where students have achieved notable accomplishments. These findings indicate that tutoring serves as an effective strategy for implementing the principles of the Merdeka Curriculum by supporting differentiated instruction and optimizing students' academic development. The study concludes that integrating tutoring into chemistry learning provides meaningful opportunities for identifying and developing students' competencies, interests, and talents, while strengthening the implementation of the Merdeka Curriculum in the Madrasah context.
Shariah Compliance Business Institutions (SCBI): A Research Agenda for the Real Sector Abdullah A. Afifi
Journal of Regional Development and Technology Initiatives Vol. 3 No. 1 (2025)
Publisher : IDRIS Darulfunun Institute

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.58764/j.jrdti.2025.3.193

Abstract

Shariah compliance has become a central theme in Islamic economic research, particularly through the development of Islamic financial institutions. Over the past four decades, extensive scholarly attention has been devoted to shariah governance, auditing, regulatory frameworks, and compliance mechanisms in Islamic banking, takaful, sukuk, and other financial services. While these contributions have significantly advanced the institutionalisation of shariah within the financial sector, they have also narrowed the conceptual scope of shariah compliance by predominantly associating it with financial institutions and procedural conformity. This contrasts with the rapid expansion of the Islamic economy into the real sector, including manufacturing, healthcare, education, logistics, agriculture, retail, digital enterprises, and small and medium-sized enterprises, where the concept of institution-wide shariah compliance remains theoretically underdeveloped. This conceptual paper argues that the next frontier of shariah compliance research lies beyond Islamic finance and requires the establishment of Shariah Compliance Business Institutions (SCBI) as a distinct research domain. Rather than viewing shariah compliance merely as certification, regulatory conformity, or periodic audit outcomes, the paper reconceptualises it as an organisational phenomenon through which shariah principles become institutionalised within governance, strategic decision-making, operations, organisational behaviour, and stakeholder relationships. This perspective shifts the unit of analysis from financial transactions and financial institutions to business organisations operating across the real sector. Drawing upon a narrative review and conceptual synthesis of the literature, the paper identifies the limitations of existing research, defines the concept of SCBI, and proposes a research agenda encompassing conceptualisation, theoretical development, institutionalisation, measurement, implementation, and organisational outcomes. Rather than presenting a completed theory, this paper establishes the intellectual foundation for SCBI as an emerging field of inquiry and provides a platform for future theoretical and empirical research within Islamic business, management, and organisational studies.

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