136 research outputs found
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The Strategic Role of BMT as a Non-Bank Islamic Financial Institution in Empowering MSMEs in Indonesia
Full text linkStructural poverty in Indonesia reached 8.57% in September 2024, making MSMEs a primary strategy for alleviation despite being hampered by limited capital and managerial skills. This study aims to describe and analyze the strategic role of Baitul Maal wat Tamwil (BMT) as a non-bank Islamic financial institution in empowering MSMEs through Islamic financing and mentoring. A qualitative library research method was used, with a literature population of 2019-2025 from Sinta/Scopus/Google Scholar, a purposive sample of 50+ relevant documents. Secondary data instruments were analyzed through reduction, thematic presentation, triangulation, and content analysis. The results show that BMT provides murabahah, mudharabah, musyarakah, ijarah, qardh al-hasan financing, plus training that increases MSME productivity, supported by QS. Al-Baqarah: 188 and cooperative regulations. The conclusion states that BMT creates sustainable financial inclusion; socialization, innovation, and collaboration are recommended to overcome literacy and capital constraint
A SWOT-Based Approach to Smartphone Marketing: Insights from Dunia Cell Surabaya
Full text linkThis study analyzes Dunia Cell Surabaya's marketing strategies using a SWOT framework to assess internal and external factors affecting smartphone sales. Employing a qualitative descriptive approach, data were collected through interviews, observation, and documentation, and then analyzed thematically. Results reveal that product diversity, service quality, and employee competence serve as key strengths, while limited digital marketing and high prices are significant weaknesses. Opportunities arise from Indonesia’s stabilizing economy and increasing smartphone adoption, whereas threats include fierce competition and shifting consumer behavior. The SWOT matrix positions Dunia Cell in Quadrant I, indicating a growth-oriented strategy. To sustain competitiveness, the firm should enhance its e-commerce presence, improve pricing strategies, and diversify product offerings. The study contributes to the SME marketing literature by integrating SWOT analysis with insights on digital transformation, offering actionable strategies for retail adaptation in Indonesia’s dynamic smartphone market
The Role of 5G Technology in Improving the Speed and Quality of Internet Services in Urban Areas
Full text linkThis study examines the performance of 5G technology in dense urban areas, where population growth and digital activities such as video streaming and IoT are putting pressure on 4G network capacity. The study aimed to evaluate the role of 5G in improving download speeds, latency, and stability of internet services through empirical comparisons with 4G. This quantitative descriptive study used a population of internet users around the University of West Sulawesi with a purposive sample of 50 respondents aged 18-45 years. Instruments included the Ookla Speedtest application and a Likert scale questionnaire, analyzed with descriptive statistics and t-tests using SPSS 26. The results showed 5G download speeds of 300-600 Mbps, upload speeds of 50-120 Mbps, latency of 8-12 ms, and very high stability, with streaming quality improvements of up to 90%. The conclusion states that 5G significantly supports smart city transformation despite being limited to a local sampl
Implementation of Python-Based Network Automation Technology for Computer Infrastructure Optimization
Full text linkThis research presents the development and implementation of a network automation program using Python to assist network administrators in configuring MikroTik routers. Traditional manual configuration processes are often time-consuming and error-prone, creating a need for an efficient solution. The proposed automation program streamlines the configuration process, enabling administrators to complete tasks more quickly while significantly reducing the likelihood of errors. Through user testing, network administrators from RT/RW Net Dengkol confirmed that the program effectively enhances the configuration efficiency of MikroTik routers. Additionally, the tool features capabilities for exporting configurations as files, further facilitating network management. Despite its advantages, the program currently relies on a command-line interface, highlighting the need for future enhancements such as a graphical user interface and improved login functionality. Overall, this research demonstrates the potential of Python-based automation in optimizing network management and supporting administrators in their daily tasks
The Role of Islamic Financial Institutions in the Development of MSMEs: An Analysis of Financing and Mentoring for Islamic-Based Micro-Enterprises in West Java
Full text linkMSMEs play a vital role in the Indonesian economy, yet they still face challenges in accessing financing and managing their businesses. Islamic Financial Institutions (IFIs) offer a financing alternative that is not only based on the principles of fairness and profit-sharing, but also prioritizes social sustainability and Sharia compliance. This study aims to analyze the selection and feasibility assessment mechanisms of micro-enterprises implemented by these institutions, as well as to examine the financing and mentoring models implemented to support MSME sustainability. The research method employed a qualitative approach through library research with content analysis of various literature sources related to Islamic financing and MSME empowerment. The results indicate that these institutions implement a selection mechanism based on the Sharia-compliant 5C concept, encompassing character, capacity, capital, business conditions, and collateral, with an emphasis on moral aspects and Sharia compliance. The financing models used include mudharabah, musyarakah, murabahah, ijarah, and qardhul hasan, combined with business mentoring such as management training, Islamic business ethics development, and field monitoring. This integrated approach has been proven to improve financial discipline, business sustainability, and social benefits for MSMEs. Thus, LKS functions not only as a capital provider but also as an agent for empowering the community's economy based on the principles of maqasid sharia
The Interplay of Product Innovation, Technological Adaptation, and Customer Perception in Driving Competitive Advantage: Insights from the Creative Industry
Full text linkAbstract: This study examines the impact of Product Innovation on Competitive Advantage in the creative industry, with a focus on the mediating roles of Technological Adaptation, Customer Perception of Innovation, and Market Responsiveness. Employing a quantitative research design, data were collected from 100 chatbot users in content creator communities on TikTok, Instagram, and Facebook. The analysis, conducted using Smart PLS, reveals that product innovation significantly enhances competitive advantage, both directly and indirectly through technological adaptation and customer perception of innovation. Notably, technological adaptation demonstrates the strongest mediation effect, emphasizing the importance of technological integration in leveraging innovation for competitive outcomes. Conversely, market responsiveness shows a moderate mediating effect, suggesting its context-dependent role in driving competitiveness. A negative relationship between technological adaptation and competitive advantage underscores the risks associated with misaligned technology strategies. These findings contribute to the literature on innovation management by providing empirical insights into the interplay of innovation, technology, and customer engagement in achieving sustainable competitive advantage. The study recommends that organizations adopt a holistic approach to innovation, balancing technological advancements and customer-centric strategies. Future research should investigate longitudinal effects, industry-specific variations, and the influence of organizational culture on these dynamics
Optimizing Productive Waqf: Driving the Growth of Small and Medium Enterprises in Padang
Full text linkThis research investigates the effectiveness of productive waqf as a funding mechanism for the development of Small and Medium Enterprises (SMEs) in Padang. Utilizing qualitative methodologies, including in-depth interviews with waqf managers and SME owners, the study highlights the potential of productive waqf to provide sustainable financial resources while fostering community support and social responsibility. Findings reveal that productive waqf not only alleviates financial barriers for SMEs but also promotes economic empowerment and resilience within the local community. However, the study identifies several challenges, including a lack of awareness among entrepreneurs and regulatory inconsistencies, which hinder the effective implementation of productive waqf. To maximize its impact, this research recommends enhancing outreach and educational initiatives to improve understanding of waqf mechanisms, establishing a robust regulatory framework to ensure transparency and accountability, and providing targeted training for waqf managers. Additionally, the study calls for policymakers to implement supportive measures that streamline processes and incentivize SME participation in waqf programs. Overall, productive waqf holds substantial promise for driving economic growth and development in Padang, contributing significantly to the sustainability of SMEs in the region
Harnessing Technology to Drive Smarter Financial Decision Making
Full text linkThis study investigates the impact of technological adoption—specifically artificial intelligence (AI), big data utilization, and FinTech platform usage—on optimal financial decision-making, with financial literacy positioned as a mediating variable. Using a quantitative research design and data collected from financially active individuals, the model was analyzed through Partial Least Squares Structural Equation Modeling (PLS-SEM). The results reveal that big data utilization exerts both direct and indirect positive effects on financial decision-making through enhanced financial literacy. While AI and FinTech do not demonstrate significant direct impacts on financial literacy, their indirect effects through literacy pathways are supported. Furthermore, financial literacy is confirmed to play a vital role in mediating the relationship between technology and decision-making outcomes. These findings underscore the need to integrate financial education with technological advancements to ensure users can effectively leverage smart finance tools. The research contributes to the growing body of literature on digital financial behavior and offers actionable insights for developers, educators, and policymakers aiming to foster financially competent users in an increasingly digitized economy
RDT-RT Three-Phase Smart and Powerful Digital Voltage Stabilizer: 3-Phase Voltage Stabilizer for Industry
Full text linkVoltage instability in industrial power distribution systems causes equipment damage, operational inefficiency, and production downtime. This research evaluated the Smart Powerful Digital Stabilizer RDT-RT three-phase system implementing digital Automatic Voltage Regulator technology. Using quantitative experimental methodology, researchers tested three RDT-RT units across twelve operational scenarios generating over 300 measurements. The investigation employed high-speed oscilloscopes, power quality analyzers, and precision voltage sensors to measure output voltage stability, transient settling time, and power conversion efficiency. Static testing across input voltage range 200V to 500V demonstrated mean output accuracy of 379.8V with ±1.2V standard deviation, maintaining ±5% tolerance. Dynamic testing showed settling time below 1.3 seconds following load transients, compared to 5 to 10 seconds for conventional systems. Harmonic distortion measured 2.8 percent THD, compliant with IEEE 519 standards. Average power conversion efficiency reached 86.7 percent across operational range. Results demonstrate that digital microcontroller-based PID control combined with PWM switching substantially improves voltage regulation performance. The RDT-RT technology provides superior power quality and equipment protection essential for Industry 4.0 manufacturing environments requiring real-time process control
Navigating Economic Turbulence: Marketing Strategy Innovations for MSMEs
Full text linkThis study explores the adaptation of marketing strategies by micro, small, and medium-sized enterprises (MSMEs) in Padang during an economic crisis. The research examines how these businesses have navigated the challenges posed by reduced consumer spending, market uncertainty, and supply chain disruptions. Through qualitative methods, including in-depth interviews, observation, and document analysis, the study identifies key strategies employed by MSMEs, such as digital marketing, product adaptation, and promotional activities. The findings show that MSMEs were able to maintain customer engagement and drive sales by leveraging digital platforms and adjusting their product offerings to meet the needs of price-sensitive consumers. However, challenges such as limited digital literacy, financial constraints, and increased competition were also identified as significant barriers to the effective implementation of these strategies. The study concludes that while MSMEs in Padang demonstrated resilience through adaptive marketing approaches, additional support in digital skills development and resource allocation is needed to enhance their competitiveness in future crises. The research contributes to the understanding of how MSMEs can adapt their marketing strategies during economic downturns and provides recommendations for both businesses and policymakers to improve resilience in the face of ongoing economic challenges
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