UMMAT Scientific Journals (Universitas Muhammadiyah Mataram)
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Technology Integration in Islamic Finance: A Literature Review of Fintech's Role in Enhancing Financial Inclusion
Get PDFAbstract: This study aims to examine the role of financial technology (fintech) in enhancing financial inclusion within the Islamic finance sector through a Library Research approach using an Integrative Review design. The study synthesizes literature from academic databases such as Google Scholar, Scopus, DOAJ, and Scispace, with inclusion criteria covering articles published between 2015–2024, written in English or Indonesian, and relevant to topics such as Islamic finance, fintech, or financial inclusion. The selection process follows PRISMA principles to ensure transparency and rigor. Findings reveal that Sharia-compliant fintech plays a strategic role in expanding access to Islamic financial services, particularly for individuals in remote areas and vulnerable groups. Technological innovation, regulatory support, and multi-stakeholder collaboration are key drivers of inclusion. The study also identifies research gaps regarding the long-term impact and sustainability of Islamic fintech business models. This synthesis is expected to enrich academic understanding and provide practical insights for policymakers and Islamic finance industry players
Utilization of Pumpkin seed waste extract as an inhibitor in reducing the corrosion rate on metals
Get PDFOur research focuses on enhancing the potential of pumpkin seed waste extract as a sustainable corrosion inhibitor for metal (Fe) in 1 M HCl solution. Phytochemical screening and antioxidant activity were identified. Various investigative methodologies including experimental techniques such as Potentiodynamic Polarization (PDP) were used to evaluate the effectiveness of these pumpkin seed waste extract inhibitors in inhibiting corrosion. Electrochemical results showed that the effectiveness of the inhibitor was concentration dependent here reaching 83.11% at 3000 g/L pumpkin seed waste extract inhibitor. The PDP showed that the mixed inhibition control effectively retarded the corrosion of the metal. Furthermore, the adsorption behavior of the pumpkin seed waste extract inhibitor onto the metal follows the Langmuir isotherm model with physisorption properties. The adsorption mechanism of the inhibitor on the metal surface successfully formed a protective film on the metal surface thereby reducing the corrosion rate.
Analysis of the biogas content of tofu solid waste with the addition of urea
No full textBiogas production by fermentation is a source of energy obtained from organic waste, one of which is waste from the tofu and tempeh industry. The aim of this study was to analyze the biogas content of tau waste by adding urea. The research method uses an experimental method with a Completely Randomized Design. There were four treatments, namely T1: 7 kg of tofu waste, T2: addition of 7 kg of tofu waste + 1.4 kg of urea starter, T3: addition of tofu waste + 2.8 kg of urea starter, and T4: addition of 7 kg of tofu waste + urea starter as much as 4.2 kg. Each treatment was repeated 3 times to obtain 12 experimental units. The statistical test results show that the biogas content, in this case carbon dioxide and methane gas, with the highest measurement results found in T1 was 3819.17 ppm, and methane gas was 558.08 mol
Pendampingan Terhadap Dampak Bahaya Bullying di Dunia Pendidikan
Get PDFAbstract: Bullying is an act that is deliberately carried out by the perpetrator to harm the victim, not a form of negligence but a truly deliberate act. This service activity has a partner, namely SMPN 4 Keruak. The objectives of this service are 1) to provide socialisation for SMPN 4 Keruak students about the impact of bullying; 2) to provide assistance for SMPN 4 Keruak students to avoid bullying activities. The method used consists of 4 steps, namely 1) Preparation stage, 2) Implementation stage, 3) Implementation stage, and 4) Monitoring and evaluation. Based on the results of the socialisation and implementation of community service, it can be concluded that 1) Participation in the socialisation was very high, with more than 80% of students and teachers at SMPN 4 Keruak attending the sessions; 2) After the mentoring activities, evaluation through questionnaires showed an increase to 85% of students and teachers who understood the risks of bullying, both in terms of victims and perpetrators so that bullying activities could be minimised optimally.Abstrak: Bullying adalah suatu tindakan yang sengaja dilakukan oleh pelaku untuk menyakiti korban, bukan suatu bentuk kelalaian namun tindakan yang betul-betul disengaja. Kegiatan pengabdian ini memiliki mitra yaitu SMPN 4 Keruak. Tujuan pengabdian ini yaitu 1) memberikan sosialisasi bagi siswa SMPN 4 Keruak tentang dampak bullying; 2) memberikan pendampingan bagi siswa SMPN 4 Keruak agar terhindar dari kegiatan bullying. Metode yang digunakan terdiri dari 4 langkah yaitu 1) Tahap persiapan, 2) Tahap pelaksanaan, 3) Tahap implementasi, dan 4) Monitoring dan evaluasi. Berdasarkan hasil sosialisasi dan implementasi pengabdian kepada masyarakat tersebut dapat disimpulkan yaitu 1) Partisipasi dalam sosialisasi sangat tinggi, dengan lebih dari 80% siswa dan guru di SMPN 4 Keruak hadir dalam sesi-sesi yang diselenggarakan; 2) Setelah kegiatan pendampingan, evaluasi melalui kuesioner menunjukkan peningkatan menjadi 85% siswa dan guru yang mengerti risiko bullying, baik dari sisi korban maupun pelaku sehingga kegiatan bullying dapat diminamilisir secara optimal
PENYULUHAN PENGELOLAAN EKOWISATA MANGROVE DESA LEMBAR SELATAN KABUPATEN LOMBOK BARAT
Get PDFABSTRAK Program pemberdayaan yang dilaksanakan melalui kegiatan pendampingan dan pembinaan sejauh ini belum berhasil mendorong kemandirian masyarakat pesisir dalam melanjutkan inisiatif pengelolaan yang telah dirintis bersama pihak pemerintah maupun swasta. Umumnya, keterlibatan masyarakat hanya tampak pada tahap awal, yakni perencanaan dan pelaksanaan, sementara aspek evaluasi, monitoring, dan keberlanjutan program belum mampu dikelola secara mandiri. Oleh karena itu, kegiatan pengabdian ini bertujuan untuk meningkatkan kapasitas dan pengetahuan masyarakat terkait pengelolaan Ekowisata Mangrove di Desa Lembar Selatan, Kabupaten Lombok Barat. Kegiatan ini dilaksanakan melalui Focus Group Discussion (FGD) dengan beberapa tahapan, yaitu persiapan, pelaksanaan, kunjungan lapangan ke kawasan ekowisata, dan evaluasi. Peserta yang terlibat berjumlah 20 orang meliputi kelompok pengelola dan konservasi, mahasiswa, serta perwakilan dari lembaga swadaya masyarakat sebagai mitra kegiatan. Berdasarkan hasil pelaksanaan kegiatan penyuluhan, diperoleh temuan bahwa kegiatan ini memberikan dampak positif, tercermin dari tingginya partisipasi masyarakat dalam diskusi. Penyuluhan telah memperluas pemahaman masyarakat mengenai pentingnya pengelolaan ekosistem mangrove secara berkelanjutan. Masyarakat mulai menyadari bahwa mangrove memiliki nilai ekonomi sekaligus peran strategis dalam menjaga kelestarian lingkungan, khususnya melalui pemanfaatan jasa lingkungan seperti ekowisata. Pemahaman ini sejalan dengan kebijakan pemerintah dalam upaya pelestarian lingkungan pesisir demi keberlanjutan kehidupan yang bergantung pada keseimbangan ekosistem. Kata kunci: Ekowisata; Penyuluhan; Pemberdayaan Masyarakat; Pengelolaan Mangrove. ABSTRACTEmpowerment programs implemented through mentoring and coaching activities have so far not succeeded in encouraging the independence of coastal communities in continuing management initiatives that have been initiated with the government and the private sector. Generally, community involvement is only seen in the early stages, namely planning and implementation, while aspects of evaluation, monitoring, and program sustainability have not been able to be managed independently. Therefore, this community service activity aims to increase community capacity and knowledge related to Mangrove Ecotourism management in Lembar Selatan Village, West Lombok Regency. This activity was carried out through a Focus Group Discussion (FGD) with several stages, namely preparation, implementation, field visits to ecotourism areas, and evaluation. The participants involved totaled 20 people including management and conservation groups, students, and representatives from non-governmental organizations as activity partners.. Based on the results of the implementation of counseling activities, it was found that this activity had a positive impact, reflected in the high participation of the community in the discussion. The counseling has broadened the community's understanding of the importance of sustainable mangrove ecosystem management. The community began to realize that mangroves have economic value as well as a strategic role in preserving the environment, especially through the use of environmental services such as ecotourism. This understanding is in line with government policies in efforts to preserve the coastal environment for the sake of sustainability. Keywords: Counseling; Community Empowerment; Ecotourism; Mangrove Management
Pendampingan Pemasaran Obat Tradisional pada UMKM “Kios Herbal Gus Fud”
Get PDFThe current challenges for Micro, Small and Medium Enterprises (MSMEs) are the low ability of human resources (HR) to deal with trading methods from conventional ways of doing business to online business and the low quality of existing product packaging. One of them is herbal herbal medicine SMEs in the city of Surakarta, namely “Kios Herbal Gus Fud”. This community service activity aims to assist in the marketing of traditional medicines to help maximize sales turnover of traditional medicine “Kios Herbal Gus Fud”, introduce traditional medicinal products “Kios Herbal Gus Fud” to the wider community, and to increase the aesthetic value of packaging so that it is attractive. public interest in herbal products. This activity consists of the observation and preparation stage, the implementation stage, and the activity evaluation stage. The results of this community service are an increase in sales turnover, more attractive and flexible packaging, the public becomes more aware of traditional medicinal products “Kios Herbal Gus Fud”. This community service activity increases turnover, improves packaging, expands promotion, and raises public awareness of the benefits of traditional medicine "Kios Herbal Gus Fud".Key word:accompanimen, marketing, MSMEs, traditiomal, medicine AbstrakTantangan Usaha Mikro, Kecil dan Menengah (UMKM) saat ini adalah rendahnya kemampuan sumber daya manusia (SDM) menghadapi metode perdagangan dari cara berbisnis secara konvensional menjadi online bisnis dan rendahnya kualitas kemasan produk yang ada. Salah satunya UMKM jamu herbal di kota Surakarta yaitu “Kios Herbal Gus Fud”. Pada kegiatan pengabdian kepada masyarakat ini bertujuan sebagai pendampingan pemasaran obat tradisional untuk membantu agar dapat memaksimalkan omset penjualan obat tradisional “Kios Herbal Gus Fud”, memperkenalkan produk obat tradisional “Kios Herbal Gus Fud” kepada masyarakat luas, serta untuk meningkatkan nilai estetika kemasan sehinggan menarik minat masyarakat terhadap produk jamu. Kegiatan ini terdiri dari tahap observasi dan persiapan, tahap pelaksanaan, dan tahap evaluasi kegiatan. Hasil pengabdian masyarakat ini adalah kenaikan omset penjualan, kemasan lebih menarik dan fleksibel, masyarakat menjadi lebih banyak mengetahui produk obat tradisional “Kios Herbal Gus Fud”. Kegiatan pengabdian ini meningkatkan omset, memperbaiki kemasan, memperluas promosi, dan membangkitkan kesadaran masyarakat terhadap manfaat obat tradisional "Kios Herbal Gus Fud".Kata kunci:obat, tradisional, pemasaran, pendampingan, UMK
Implementasi Syariat Islam oleh Wilayatul Hisbah di Aceh Barat: Tantangan dan Dinamika Sosial
Get PDFAbstract: This study examines How the Wilayatul Hisbah in West Aceh regency implements the application of Islamic law, particularlyin terms of lack of socialization and lack of community participation in filling the open space for the implementation of Isvlamic law. The Qur’an is the basis for understanding Islamic law, and this teaching is based on the holy book. Islamic law applies to his servants who are sane, healthy, and have come of age. This study ises a qualitative descriptive approach. The problem studied is: How does the Wilayatul Hisbah implement the application of Islamic law in West Aceh? The results show that many Islamic law application programs still face challengs in the social order of the community. Although the law or Qanun has provided a strong legal basis, effective implementation requires careful preparation and good managemen. Islamic law is seen as a divine rule that encompasses all aspects of Muslim life. This study uses the theory of sociology of religion to see how the formalization of the application and implemention of Islamic law in West Aceh and How it affects the community. The method of sociology of religion enables a deeper understanding of the formalization process and its consequences for Acehnese society. Before Indonesia’s independence, Sultan Iskandar Muda had ruled Aceh. Then came the post-independence period, the New Order, reform, and now. Laws No.44 of 1999 and No.18 of 2001, along with other laws regulating Islamic law, serve as the basis for the implementation of Islamic law in Aceh.Abstrak: Studi ini melihat bagaimana Wilayatul Hisbah Kab. Aceh Barat melaksanakan penerapan syariat Islam, terutama dalam hal kurangnya sosialisasi dan kurangnya partisipasi masyarakat dalam mengisi ruang terbuka untuk pelaksanaan syariat Islam. Al-Qur'an merupakan dasar dari segala pemahaman tentang syari'at Islam, dan ajaran ini didasarkan pada kitab suci. Syariat Islam ini berlaku bagi hamba-Nya yang berakal, sehat, dan telah dewasa. Studi ini menggunakan pendekatan deskriptif kualitatif. Problem yang diteliti adalah: Bagaimanakah Wilayatul Hisbah melaksanakan penerapan syariat Islam di Aceh Barat? Hasil menunjukkan bahwa banyak program penerapan syariat islam masih menghadapi tantangan dalam tatanan sosial masyarakat. Meskipun undang-undang atau Qanun telah memberikan dasar hukum yang kuat, implementasi yang efektif memerlukan persiapan yang matang dan manajemen yang baik. Syariat Islam dipandang sebagai aturan ilahiah yang mencakup semua aspek kehidupan umat Islam. Studi ini menggunakan teori sosiologi agama untuk melihat bagaimana formalisasi penerapan dan pelaksanaan syariat Islam di Aceh Barat dan bagaimana hal itu berdampak pada masyarakat. Metode sosiologi agama memungkinkan pemahaman yang lebih mendalam tentang proses formalisasi dan konsekuensi yang ditimbulkannya bagi masyarakat Aceh. Sebelum kemerdekaan Republik Indonesia, Raja Iskandar Muda telah memerintah Aceh. Kemudian datang periode setelah kemerdekaan, Orde Baru, reformasi, dan sekarang. Hukum Nomor 44 tahun 1999 dan Nomor 18 tahun 2001, bersama dengan hukum lain yang mengatur tentang syariat Islam, berfungsi sebagai dasar untuk pelaksanaan syariat Islam di Aceh
Transformasi Ruang Terbuka Hijau (RTH) Teras Udayana Sebagai Destinasi Pariwisata Perkotaan di Kota Mataram
Get PDFRuang Terbuka Hijau (RTH) merupakan elemen penting dalam tata ruang perkotaan yang berfungsi tidak hanya untuk keseimbangan ekologis, tetapi juga memiliki potensi ekonomi dan sosial sebagai destinasi pariwisata. Kota Mataram, sebagai ibukota Provinsi Nusa Tenggara Barat, mengalami pertumbuhan yang pesat, sehingga menuntut pengelolaan RTH yang lebih inovatif. Salah satu RTH yang saat ini menjadi perhatian adalah Teras Udayana, sebagai salah satu unit ruang terbuka yang berada di RTH Koridor Jalan Udayana. Teras Udayana saat ini telah bertransformasi menjadi area wisata masyarakat perkotaan ditunjukkan dengan berbagai fakta empiris yang mendukung perubahan fungsi tersebut. Fakta-fakta tersebut akan dicoba untuk dianalisis terkait faktor pendorong yang menyebabkan transformasi itu terjadi, dengan pendekatan Multi Criteria Decision Making (MCDM) yang mengimplementasikan penggunaan metode PROMETHEE (Preference Ranking Organization Method for Enrichment of Evaluations) dengan melakukan sintesa berbagai variabel yang ditetapkan dengan menentukan elemen amanatan sesuai dengan pendekatan PESTEL (political, economic, social, technological, environmental, and legal). Hasil yang diperoleh, bahwa perubahan atau transformasi fungsi RTH Teras Udayana, didorong oleh Faktor Sosial Budaya dan Faktor Kebijakan, yang menyebabkan transformasi tersebut. Walaupun dalam fungsi utama lahannya, Teras Udayana masih ditetapkan sebagai fungsi Ruang Terbuka Hijau (RTH), akan tetapi Teras Udayana dianggap oleh banyak masyarakat sebagai salah satu destinasi wisata yang ada di Kota Mataram.Abstract: Green Open Space (GOS/RTH) is a vital element in urban spatial planning that serves not only ecological balance but also holds economic and social potential as a tourism destination. Mataram City, the capital of West Nusa Tenggara Province, is experiencing rapid growth, necessitating more innovative management of GOS. One notable GOS is Teras Udayana, located within the GOS Corridor of Jalan Udayana. Teras Udayana has transformed into an urban community tourism area, as evidenced by various empirical facts supporting this functional shift. This study aims to analyze the driving factors behind this transformation using a Multi Criteria Decision Making (MCDM) approach that implements the PROMETHEE (Preference Ranking Organization Method for Enrichment of Evaluations) method. The analysis synthesizes various predetermined variables by identifying key elements based on the PESTEL approach (political, economic, social, technological, environmental, and legal). The results reveal that the transformation of Teras Udayana's function is driven by sociocultural and policy factors. Despite its primary designation as Green Open Space, Teras Udayana is widely regarded by the public as one of Mataram City's tourist destinations
OPTIMALISASI PEMANFAATAN TEKNOLOGI INFORMASI UNTUK MENDUKUNG PEREKONOMIAN BERBASIS KERAKYATAN
Get PDFAbstrak: Optimalisasi pemanfaatan teknologi informasi menjadi elemen penting dalam mendorong perekonomian berbasis kerakyatan. Pengabdian ini bertujuan untuk memberdayakan masyarakat Desa Romanglasa yang terdiri dari 1.358 laki-laki dan 1.395 perempuan (total 2.753 orang) melalui penerapan teknologi informasi. Metode yang digunakan mencakup sosialisasi, pelatihan, penerapan teknologi, pendampingan, dan evaluasi program yang berkelanjutan, kerangka kegiatan ini, dilibatkan Pengurus BUMDes 7 orang, Perangkat desa 5 Orang dan Masyarakat yang dilibatkan secara langsung 20 orang dengan total mitra dalam kegiatan ini adalah 32 orang. Mitra dalam pengabdian ini adalah Kerja sama dengan Badan Usaha Milik Desa (BUMDes) untuk mengelola sistem informasi desa atau mendigitalisasi layanan masyarakat. Evaluasi dilakukan melalui survei Pretest 10 soal pilihan ganda untuk mengukur pemahaman awal, Posttest 15 soal pilihan ganda untuk mengukur pemahaman setelah pelatihan. pretest dan postest program untuk mengukur peningkatan soft skill dan hard skill serta dampak ekonomis. Hasil menunjukkan adanya peningkatan soft skill sebesar 85%, hard skill sebesar 70%, dan peningkatan nilai ekonomis sebesar 40% melalui penguasaan teknologi e-commerce dan media sosial untuk pemasaran produk lokal. Program ini terbukti berkontribusi pada keberlanjutan ekonomi desa dan menjadi model pemberdayaan berbasis teknologi.Abstract: Optimizing the use of information technology is an important element in driving a people-based economy. This service aims to empower the Romanglasa Village community consisting of 1,358 men and 1,395 women (a total of 2,753 people) through the application of information technology. The methods used include socialization, training, application of technology, mentoring, and ongoing program evaluation, the framework of this activity, involving 7 BUMDes Management, 5 Village Apparatus and 20 people directly involved in the community with a total of 32 partners in this activity. Partners in this service are Cooperation with Village-Owned Enterprises (BUMDes) to manage village information systems or digitize public services. Evaluation is carried out through a Pretest survey of 10 multiple choice questions to measure initial understanding, Posttest 15 multiple choice questions to measure understanding after training. Pretest and posttest programs to measure improvements in soft skills and hard skills as well as economic impacts. The results show an increase in soft skills by 85%, hard skills by 70%, and an increase in economic value by 40% through mastery of e-commerce technology and social media for marketing local products. This program has been proven to contribute to the sustainability of the village economy and become a model of technology-based empowerment
TRANSFER TEKNOLOGI MEMBRAN PENGOLAHAN AIR MINUM KAYA OKSIGEN DI PONDOK PESANTREN: UPAYA MENINGKATKAN KUALITAS AIR MINUM DI LINGKUNGAN PENDIDIKAN
Get PDFAbstrak: Teknologi membran menjadi solusi yang efisien dan ramah lingkungan, sehingga berpotensi dikembangkan sebagai sistem pengolahan air minum kaya oksigen (AMIKO) di Pondok Pesantren. Mitra pada program ini adalah Pondok Pesantren Syaichona Cholil Balikpapan yang memiliki 554 santri yang tersebar pada berbagai jenjang pendidikan formal, diantaranya Taman Kanak-Kanak (TK), Madrasah Ibtidayah (MI), Sekolah Menengah Pertama (SMP), Sekolah Menengah Atas (SMA), Sekolah Menengah Kejuruan (SMK) dan Sekolah Tinggi Ilmu Tarbiyah (STIT). Program ini bertujuan untuk memenuhi kebutuhan air minum berkualitas bagi santri dan ustadz/ustadzah, mendukung kesehatan, dan kelancaran kegiatan belajar mengajar. Sistem ini, selain dapat memenuhi kebutuhan air minum yang sehat, juga dapat menjadi peluang unit usaha mandiri yang dikelola oleh pesantren. Dengan demikian, program ini tidak hanya meningkatkan kesehatan para santri tetapi juga memberikan keterampilan dan kemandirian dalam pengelolaan air minum. Metode yang digunakan pada program ini adalah sosialisasi pentingnya air minum sehat dan pelatihan teknis penggunaan alat sistem pengolahan air minum berbasis teknologi membran. Kegiatan sosialisasi telah dilakukan kepada para santri dan ustadz/ustadzah berkaitan dengan pentingnya air minum yang berkualitas beserta karakteristiknya dan penjelasan tentang sistem pengolahan air minum berbasis teknologi membran. Evaluasi yang digunakan untuk mengetahui perkembangan mitra adalah dengan melalui pembagian kuesioner. Hasil kegiatan ini menunjukkan adanya peningkatan pemahaman peserta setelah dilaksanakan sosialisasi pentingnya air minum sehat sebesar 32% dan sistem pengolahan air minum berbasis teknologi membran sebesar 96%.Abstract: Membrane technology is an efficient and environmentally friendly solution, so it has the potential to be developed as an oxygen-rich drinking water treatment system (AMIKO) in Islamic Boarding Schools. The partner in this program is the Syaichona Cholil Balikpapan Islamic Boarding School which has 554 students spread across various levels of formal education, including Kindergarten (TK), Madrasah Ibtidayah (MI), Junior High School (SMP), Senior High School (SMA), Vocational School (SMK) and Tarbiyah College of Science (STIT). This program aims to meet the need for quality drinking water for students and ustadz/ustadzah, support health, and smooth teaching and learning activities. This system, in addition to being able to meet the need for healthy drinking water, can also be an opportunity for an independent business unit managed by the Islamic boarding school. Thus, this program not only improves the health of students but also provides skills and independence in managing drinking water. The methods used in this program are socialization of the importance of healthy drinking water and technical training on the use of membrane technology-based drinking water treatment system tools. Socialization activities have been carried out to students and ustadz/ustadzah related to the importance of quality drinking water along with its characteristics and an explanation of the membrane technology-based drinking water treatment system. The evaluation used to determine the development of partners is through the distribution of questionnaires. The results of this activity showed an increase in participant understanding after the socialization of the importance of healthy drinking water by 32% and the membrane technology-based drinking water treatment system by 96%