Analisis Perilaku Generasi Digital Native Terhadap Bank Syariah

The motive of this take a look at is to decide the elements that impact the goal of the virtual local technology to undertake Islamic banking offerings. Much preceding research have used the Theory of Planned Behaviour (TPB) withinside the adoption of the conduct of Islamic monetary offerings, however there are nonetheless few research withinside the context of the virtual local technology. Meanwhile, the virtual local technology can end up a marketplace phase for Islamic banking as a way to growth marketplace share. The studies pattern turned into 169 respondents from the virtual local technology who stay in Magelang Regency. The studies information turned into gathered on line the usage of the google shape facility. Data evaluation used Structural Equation Modelling primarily based totally on variance. The results show that theoretically, this research can prove that the Theory of Planned Behavior (TPB) is relevant to be used in analyzing the behavior of the digital native generation towards Islamic banks. Partially, this study proves that the variables in the TPB, namely attitudes, subjective norms and perceived behavioral control, were found to have a significant positive influence on the intention of the digital native generation to adopt Islamic banking services. The next finding is that online shopping behavior is able to moderate the relationship between subjective norms and behavioral control variables that are perceived positively, but in memorization a negative relationship to the intention to adopt Islamic banking services

PENDAMPINGAN PEMBUATAN NOMOR INDUK BERUSAHA PADA PELAKU UMKM DI DESA NGABLAK

Terhambatnya perkembangan UMKM yang berperan penting dalam memajukan perekonomian indonesia menjadi penyebab utama ditandai dengan masih banyaknya pelaku usaha yang tidak memiliki legalitas usaha. Oleh karena itu diperlukan kegiatan pengabdian kepada masyarakat tentang pendampingan pembuatan Nomor Induk Berusaha (NIB) kepada pelaku UMKM sebagai langkah awal mengembangkan usahanya. Kegiatan pendampingan ini bertujuan untuk membantu pelaku UMKM menerbitkan ijin usaha melalui sistem online serta memberi pemahaman betapa pentingnya Nomor Induk Usaha (NIB) sebagai legalitas usaha. Legalitas usaha adalah standarisasi yang harus dipenuhi oleh pelaku usaha. Kegiatan pendampingan dilaksanakan kepada pelaku UMKM yang berada di Desa Ngablak, Kecamatan Srumbung, Kabupaten Magelang. Metode yang digunakan dalam pendampingan ini adalah metode ABCD (Asset Bassed Community Development). Hasil dari kegiatan pendampingan ini adalah pelaku UMKM memiliki legalitas usaha dengan diterbitkannya sertifikat NIB setelah usahanya didaftarkan secara online sebanyak 27 UMKM Dari 28 UMKM yang mengikuti pelatihan. Dari kegiatan pendampingan yang dilakukan dari total 28 UMKM sebanyak 27 UMKM berhasil didaftarkan NIB nya melalui OSS serta mendapatkan sertifikat NIB. Hal tersebut menunjukkan bahwa antusias pelaku UMKM di desa Ngablak cukup tinggi. Adanya legalitas usaha maupun perizinan yang telah dimiliki, diharapkan para pelaku UMKM dapat mengembangkan usahanya menjadi lebih baik

Mitigasi Risiko Pembiayaan Bermasalah Pada Baitul Maal Wat Tamwil Saudara

Baitul Mal Wat Tamwil (BMT) is a microfinance institution that provides financial services to the community based on Islamic principles. However, a common challenge faced by BMT is problematic financing. This researcher aims to determine the factors that cause financing risk and mitigate the risk of financing problems at BMT Brothers. A descriptive method with a qualitative approach was used because it can provide a comprehensive picture of how financing risk mitigation was carried out with BMT leaders as research respondents in November – December 2023. The research results were obtained by knowing the factors causing financing problems (internal and external), and then conducting a 6C analysis to mitigate financing risks. The research conclusion is that risk mitigation is important in maintaining member trust and reducing the risk of financing problems at your BMT. The limitation of this research is that it does not use quantitative methods and only examines one BMT. It is hoped that the research can provide input for further research to develop the analytical methods used and increase knowledge for further research

Intention to Use Financing Products of Muamalat Banks in Polewali Mandar

This study aims to examine the effect of attitudes, subjective norms, and knowledge of the intention to use Muamalat bank financial products in Kabupaten Polewali Mandar. Data collection and information needed in this study are primarily data where data obtained directly from the research subjects in the form of questionnaires. This study uses the Theory of Planned Behavior (TPB) and linear regression analysis. This study's results indicate the influence simultaneously and partially on the variable attitude, subjective norms, and knowledge of the intention to use Muamalat bank financial products

Financing of The Medium, Small and Micro Enterprises Sector By Sharia Banking: Positive Effects on Economic Growth and Negative Effects on Income Inequality

This study aims to find empirical evidence that the financing provided by Islamic banking in Indonesia has a positive effect on economic growth and reduces income inequality. The method used in this study is an analysis of Structural Equation Model PLS using WarpPLS. The analysis shows the empirical evidence that Islamic banking financing of the MSMEs sector has a significant positive effect on economic growth and a significant negative effect on income inequality. Economic growth has also been shown to have a negative effect on inequality. However, the analysis results show that the economic growth is unable to mediate the relationship between financing of the MSMEs sector toward income inequality. This study concludes that financing the MSMEs sector by Islamic banking can increase economic growth in Indonesia and impact reducing people's income. The contribution of this research is that the financing of the MSMEs sector by Islamic banking must be increased because it can increase economic growth and reduce income

Analysis of factor affecting Islamic commercial bank financing for the agricultural sector in Indonesia

Purpose: This study aims to analyse the factors that influence Islamic commercial bank financing for the agricultural sector in Indonesia from January 2015 to April 2019. Methodology: Variables used in this study are Agricultural Financing, DPK, NPF, Inflation, Exchange Rates, SBIS, and IPI. The method used in this research is the VAR/VECM method with Impulse Response Function (IRF) analysis and Forecast Error Variance Decomposition (FEVD). Findings: The results show that the variables that significantly influence agricultural financing in the long-term are DPK, Exchange Rate, and IPI. Taking a closer detail, IPI variable has a positive effect, while the DPK and Exchange Rate have a negative effect on agricultural financing. Then NPF, inflation, and SBIS have no effect on agricultural financing in the short and long-term. Based on the results of FEVD, the variable that has the greatest contribution to agricultural financing is DPK compared to Exchange Rate and IPI. Practical applications: Islamic bank directors prioritize efforts to increase funding in order to encourage an increase in the portion of financing in the agricultural sector. Originality: This study examines the effect of financial and macroeconomic performance on mudharabah financing in the short and long term in Indonesia

PENDAMPINGAN MANAJEMEN WAKTU ANAK PADA MASA NORMAL BARU DI DUSUN DESEKAN KABUPATEN MAGELANG

Tatanan Hidup Baru (New Normal) dimasa pandemi COVID-19 memberikan pengalaman yang benar-benar baru bagi dunia pendidikan khususnya siswa Sekolah Dasar (SD) di Indonesia. Kewajiban untuk taat protokoler kesehatan yang salah satu klausulnya adalah tidak berkerumun dan menjauhi krumunan menjadikan kegiatan belajar mengajar sangat tidak biasa. Tidak ada tatapmuka baik dengan guru ataupun teman, semua dilakukan secara daring (online). Hal tersebut membuat pelajar mempunyai waktu luang yang banyak dan cenderung tanpa pengawasan baik dari orang tua maupun guru. Tujuan pengabdian ini adalah untuk mengoptimalkan waktu luang siswa dengan manajemen waktu di masa normal baru. Metode yang digunakan dalam penelitian ini menggunakan metode Participatory Action Research (PAR). Tahapan penting dalam PAR adalah Research (pemetaan masalah), Action (rencana aksi dalam penyelesaian masalah) and Participatory (orang tua dan siswa SD di Desa Desekan). Teknik Pengumpulan data dilakukan dengan observasi, survei, dokumen dan wawancara. Pendampingan diharapakan dapat membantu siswa memahami pentingnya manajemen waktu dengan membuat jadwal kegiatan harian sehingga siswa dapat memanage waktunya dengan efektif dan efisien. Kesimpulan dari pengabdian ini adalah para siswa belum memahami dengan baik mengenai manajemen waktu dan banyak menghabiskan waktu dengan dawai dan bermain yang tidak berhubungan dengan pendidikan. Kata kunci: Tatanan Hidup Baru, COVID-19, Manajemen Waktu, PAR ABSTRACT The New Living Order (New Normal) during the COVID-19 pandemic provided a completely new experience for the world of education, especially elementary school students in Indonesia. The obligation to comply with the Health protocol makes learning without face-to-face either with teachers or friends and everything is done online. This makes students have a lot of free time and tends to be without supervision from either parents or teachers. The aim of this service is to optimize students' free time with time management in the new normal. The method used in this study uses the Participatory Action Research (PAR) method. The important stages in PAR are Research (mapping problems), Action (action plans in solving problems) and Participatory (participation of parents and elementary students in Desekan village). The technique of collecting data was carried out by observation, surveys, documents and interviews. It is hoped that mentoring can help students understand the importance of time management by scheduling daily activities so that students can manage their time effectively and efficiently. The conclusion of this dedication is that the students do not understand well about time management and spend a lot of time with strings and games that are not related to education. Keywords: New Normal, COVID-19, Time Management, PA

Pendampingan pembuatan sertifikat halal pada pelaku UMKM di desa Adipuro kecamatan Kaliangkrik kabupaten Magelang

Abstrak Sertifikat halal merupakan salah satu dokumen penting yang harus dimiliki oleh pelaku UMKM industri makanan. Hal ini bertujuan untuk memberikan dan meningkatkan kepercayaan konsumen sekaligus dapat meningkatkan peluang dan memberikan potensi besar dalam peningkatan penjualan. Tujuan dari  pelaksanaan pengabdian ini adalah untuk memberikan pemahaman kepada pelaku UMKM dan membantu membuatkan dokumen sertifkikat halal secara gratis. Metode yang digunakan dalam kegiatan ini adalah dengan metode ABCD dimana ada 5 tahapan yang harus dijalankan, antara  lain tahap discovery, dream, design, define dan destiny. Hasil dari pengabdian masyarakat ini yaitu  pendampingan  selama proses penerbitan sertifikat halal  mulai dari input data melalui aplikasi si halal. Dari 20 UMKM yang berpartisipasi dalam kegiatan pendampingan, berhasil dicapai pencapaian yang signifikan, di mana 15 UMKM berhasil mendapatkan sertifikat halal. Keberhasilan ini mencerminkan efektivitas pendampingan dan keberhasilan tim pengabdi dalam mengatasi kendala yang awalnya dihadapi oleh pelaku UMKM. Selain dari aspek formal dan regulatif, keberhasilan ini juga menciptakan dampak positif pada tingkat kepercayaan konsumen terhadap produk-produk UMKM. Kata kunci: pendampingan; sertifikasi halal; UMKM Abstract A halal certificate is one of the important documents that MSMEs in the food industry must have. This aims to increase consumer confidence while increasing opportunities and providing great potential for increasing sales. The aim of carrying out this service is to provide understanding to MSME players and help create halal certificate documents for free. The method used in this activity is the ABCD method, where five stages must be carried out, including the Discovery, Dream, Design, Define, and Destiny stages. The result of this community service is assistance during the halal certificate issuance process, starting from data input through the halal application. Of the 20 MSMEs that participated in the mentoring activities, they achieved significant achievements, whereas 15 MSMEs achieved halal certificates. This success reflects the effectiveness of mentoring and the success of the service team in overcoming the obstacles initially faced by MSME actors. Apart from the formal and regulatory aspects, this success also creates a positive impact on the level of consumer confidence in MSME products. Keywords: accompaniment; halal certification; MSME

ANALISIS MANAJEMEN PEMBIAYAAN PADA LEMBAGA KSPPS BMT AR-ROHMAH BANDONGAN MAGELANG

Shariah Savings and Credit and Finance Cooperatives (KSPPS) are microfinance institutions that collect and distribute assets to people who need these funds. This research aims to find out the financial management and internal and external systems in KSPPS BMT Ar-Rohmah Bandongan Magelang; this research uses a descriptive qualitative approach with interview techniques, primary and secondary data collection, and documentation. Using SWOT analysis, we can find the weaknesses, strengths, threats, and opportunities in KSPPS Ar-rohmah institution. The results of this study show that the management system in KSPPS BMT Ar-rohmah institution uses a Sharia financing system and has Sharia principles, as well as having several opportunities and weaknesses and threats for institutions; KSPPS BMT Ar-rohmah mitigates risks by paying attention to character, capacity, capital, collateral and economic conditions in customers