Publication Search

This study examines the transformation of waqf in the digital era through the waqf crowdfunding model and cash waqf savings products from the perspective of Maqashid Syariah. Waqf, which is traditionally manifested in the form of immovable assets, has now developed into movable assets such as cash waqf, supported by Law No. 41 of 2004. Digital innovations, such as waqf crowdfunding, allow wider community participation with small amounts for productive social projects, while cash waqf savings products in Islamic banking manage funds productively with the proceeds channeled to education, health, and public infrastructure. Despite having great potential in socio-economic development and in line with the Hifdzu Maal principle in Maqashid Syariah, the implementation of digital waqf still faces challenges such as unclear regulations, lack of public awareness, risk of mismanagement, and limited investment. This study uses a qualitative descriptive approach, case studies, and normative-sociological with in-depth interviews, documentation, and literature studies as data collection techniques. The research subjects were selected through purposive sampling. Data analysis using the Miles and Huberman interactive model, as well as triangulation of sources and methods for data validity. The results of the study are expected to provide theoretical contributions and practical recommendations for the management of digital waqf that is professional, transparent, and beneficial to the community.  

This study examines the adoption of cloud computing in Small and Medium Enterprises (SMEs) with a focus on analyzing trends, theories, and factors influencing adoption during the period from 2011 to 2020. Using a systematic literature review approach, this research analyzes 76 articles published during this period, aiming to provide a deeper understanding of data analysis techniques, cloud computing services commonly studied, and key factors driving or hindering adoption. The findings reveal that the most frequently used analysis techniques are Partial Least Squares Structural Equation Modeling (PLS-SEM) and interpretative analysis. The most analyzed cloud computing service is Software as a Service (SaaS), while the primary factor driving adoption is cost savings. This study also identifies that the majority of studies are not based on clear theoretical frameworks, and research has been predominantly focused in the Asian region. The findings offer insights for future research on developing cloud computing implementation in SMEs, as well as factors to consider in accelerating the adoption of this technology among SMEs globally.

The purpose of this service is to educate the Concept of Waste Bank, Green Economy, and Money Supply to the Community in Medan Belawan District. The special target in this community service is for the workers of the Blessing Waste Bank in Medan Belawan District to know what the Waste Bank, Green Economy, and Money Supply to the Community in Medan Belawan District is, how its application is an opportunity for household income, for example by becoming a new source of income from saving household waste that has been implemented so that they are able to read the economic and environmental problems that occur. The material presented at this community service is: what is a Waste Bank, Green Economy, and Money Supply, how the impact of the Waste Bank on income from household waste. Which can improve household welfare through public knowledge/understanding related to Waste Banks, Green Economy, and Money Supply. From this community service, it shows the results that with the existence of the Waste Bank, the application of the Green Economy concept can be seen from the collection of household waste that is easily collected at the Waste Bank, the community becomes a customer, has savings, withdraws money, then continues to spend consumption from the money which means that there are selling and buying activities in the market because of the money circulating in the community. This affects economic activities in the Medan Belawan District area.

Along with ongoing economic changes and globalization, people's shopping behavior is also changing. Sometimes, someone buys something not because of need, but just for pleasure. This leads to wastefulness known as consumptive behavior. This research aims to determine the differences in consumptive behavior based on gender among students of the Faculty of Economics at Muhammadiyah University of Gresik. This type of research is quantitative research. The participants in this research numbered 285 students. The measuring instrument used is the consumptive behavior scale (Fromm, 1995). The statistical analysis method used is comparative analysis with chi-square testing. The results of this research show no difference in consumptive behavior between male and female students with a significance value of 0.840 > 0.05. The data categorization results show that the majority of subjects are at a moderate level of consumptive behavior, with a percentage of 72% for male students and 73% for female students. It is hoped that both male and female students can manage their finances as well as possible by saving and prioritizing needs over wants.

The aim is to determine the significant influence of Service and Profit Sharing Ratio on Customer Saving Interest at Bank SUMUT KCPSy Panyabungan. This research uses a quantitative description method. Sampling was taken using a simple random sampling technique, by distributing questionnaires directly to 98 respondents. With the help of SPSS version 25. The research results are based on SPSS calculations that service influences customers' interest in saving. This is proven by the calculated t value being greater than the t table, namely: (2,329 > 1.895) with a significant value of 0.022 < 0.05, and the profit sharing ratio influences customers' interest in saving. This is proven by the calculated t value being greater than the t table, namely: (2.258 > 1.895) with a significance value of 0.026 < 0.05, then it can be concluded that the Profit Sharing Ratio (X2) variable has a positive and significant effect on the customer's interest in saving variable. (Y). This is proven by the calculated F value of 5.654 > 3.092, a significant value of 0.005 < 0.05.

This research aims to analyze the effect of savings and financing on increasing the income of Mitra Manindo Syariah Kayu Jati Consumer Cooperative members' income. The sample for this research was members of the Mitra Manindo Syariah Kayu Jati Consumer Cooperative, totaling 155 respondents. The dependent variable (Y) in this research is income, the independent variables savings (X1) and financing (X2). The data used is primary data obtained from respondents through the questionnaire provided. The tool used in this research is SPSS version 21. The research results are based on SPSS calculations that savings do not have a significant effect on income. This is proven by the calculated tvalue being smaller than the ttable, namely: (1.827 < 1.976) with a significant value of 0.070 > 0.025. Meanwhile, financing has an effect on income as evidenced by the calculated t being greater than the ttable, namely: (1.996 > 1.976) with a significant value of 0.048 > 0.025. Then the research results show that savings and financing have a positive and significant effect on the income of cooperative members. This is proven by the calculated F value of 8.326 which is greater than the F table value of 3.06 with a significant value of 0.000<0.005.    

In this modern era, handling environmental issues such as climate change and waste management is becoming increasingly crucial. The Waste Bank Program in South Rejowinagun plays a central role in the Climate Village initiative, aiming to increase community awareness of waste management through sorting and recycling. This initiative relies on active community participation to reduce the amount of waste sent to landfills and lower greenhouse gas emissions, thereby contributing to environmental cleanliness and climate change mitigation. Apart from positive ecological impacts, the Waste Bank also creates economic opportunities for the community by implementing a waste "savings" system, where each separated type has monetary value. The methods used, including lectures, counselling and training, are designed to educate the public, including PAUD children, about the importance of effective waste management. Although this program has shown positive results, challenges like a lack of public understanding remain. To overcome this and increase program effectiveness, a more intensive educational approach and strengthening collaboration networks between communities are needed.

Catfish cultivation using a ground pond lined with plastic from used salt ponds carried out by the Suko Raharjo freshwater fish farming group (POKDAKAN), has several disadvantages, namely this type of pond is easily damaged, more difficult to clean, dirt and leftover catfish feed easily stick to the soil and plastic, so that the pond becomes dirty and smelly. This can cause disease in fish and disrupt the quality of pond water. Ground ponds lined with plastic from used salt ponds are not ideal for regulating water quality. So that it can cause stress to fish and disrupt their growth. The purpose of this activity is to increase catfish productivity, by using round ponds, which are more effective and efficient in both land and water use. The results achieved from this activity, catfish development was recorded to have increased significantly with the use of round ponds, where the number of catfish that died could be minimized by up to 5% compared to using ground ponds.

Waste is a serious problem in Indonesia, including in Medan Belawan Regency. The Waste Bank Program is presented as a solution for waste management and community economic empowerment. This study aims to determine the role of the Waste Bank in community income. The research method used is descriptive statistics presented in the form of frequency distribution tables, histograms, steam and leaf (stem and leaf diagrams) or box plots (box line diagrams). Data collection was carried out through interviews, questionnaires and observations. The data analysis technique used is statistical analysis. The Waste Bank Program in Medan Belawan Regency has provided economic, social and environmental benefits. Economic benefits include increasing community income, creating jobs, and saving waste transportation costs. Social benefits include increasing public awareness of the importance of good waste management, and increasing public concern for the environment. Environmental benefits include reducing rubber production, reducing environmental pollution, and preserving natural resources. The Waste Bank Program in Medan Belawan Regency is one example of the application of an effective and sustainable green economy concept. This program can be a model for other waste management programs in Indonesia.

This research is motivated by the decline in gold savings in the last four years due to: the value of gold which is currently getting higher, and Covid which occurred in mid-2020. Furthermore, people's needs are increasing and increasing so the ability to buy gold is low. To find out the analysis of the implementation of promotions as a strategy in increasing the number of pawnshop gold savings customers. This research uses a qualitative method using a descriptive approach. The types of data used are primary data sources and secondary data sources. The data collection techniques used by researchers are interviews, observation and documentation with customers and employees of PT.Pegadaian Syariah Gobah Pekanbaru Riau. Data processing techniques with data reduction, data editing, data description and drawing conclusions. Based on the research results, it can be concluded that the implementation of promotions is a strategy to increase the number of gold savings customers at PT.Pegadaian Syariah Gobah Pekanbaru Riau, is by using advertising promotions in introducing pawnshop gold savings products using social media and print media, promotions using online publications using websites is an effort to attract attention or news from the media or the general public for a product. can be widely known, Direct Promotion is carried out to attract potential customers by implementing socialization. Promotion Sales are carried out by providing special discounts or promo codes to prospective customers so that they are interested in pawnshop gold savings products at PT. PawnshopGobah Pekanbaru Riau Sharia Service Unit. By implementing promotional forms well, the goal can be achieved to increase the number of pawnshop gold savings customers and increase public understanding of pawnshop gold savings products and can help the community with economic problems.

Tuberculosis (TB) is one of the infectious diseases caused by Mycobacterium tuberculosis bacteria infection in the human lungs. Tuberculosis is a disease that can be transmitted from people with TB through coughing, sneezing, talking, laughing or singing. Lack of public knowledge about TB and lack of funds for health checks make many people late to be treated. Expert systems are technologies developed based on programs, in accordance with human methods and mindsets. This aims to help people who want to check their health, but are hampered by costs, besides saving time if the examination place is far from the residential environment of the community concerned. Expert systems require a method that can help solve existing problems. In this study, the method used is the Case-Based Reasoning (CBR) method, because the main function of this method is to diagnose the disease. The calculation process of the Case-Based Reasoning (CBR) method which looks for the similarity value or proximity of old cases to new cases of a patient.

Abstract Bhumi Karya Cooperative is an organization focused on the savings and loan activities of its members. Loans with low interest rates and various types of savings are offered to enhance the welfare of the members. However, challenges in the effectiveness of transaction data management, the conventional handling of savings and loan applications, and financial reports managed using Microsoft Excel are faced by the cooperative. The development of a web-based information system is deemed essential, as this system not only allows members to conduct transactions remotely, such as the previously manual savings and loan applications, but also accelerates the processes of member data entry, transaction recording, report generation, and service provision to members anywhere. Additionally, prospective members can register online, thereby increasing the overall operational efficiency of the cooperative

Hydroponics as an urban farming model is very meaningful to the community, including the Inkiya Farm business in Bajubodoa village, Maros district. There are several obstacles in the production of lettuce vegetables in hydroponics that are run so that they experience fluctuations, by natural disturbances causing plant damage and even crop failure (wilting or dying), limited space, drought resistance and less than optimal growth which is generally experienced because 100% using the NFT system. The implementation of Bell-Siphon on Ebb Flow system hydroponic technology is an alternative solution that is cheaper, environmentally friendly, space saving and more optimal plant production. The Bell-Siphon unit driving the tidal system is simply assembled, placed in a hydroponic container.  This science and technology application activity results in additional knowledge for partners on how to build or assemble a Tidal System with Bell Siphon to increase the amount of production, reduce the risk of crop failure, and the potential for better production of lettuce plants. The activity resulted in at least 6 units of Ebb-Flow hydroponics in containers (tubs) with various media, installation and training for women members of the partners. Sustainability of implementation is expected at Partners as well as at the household scale in each member who has received training.

The research aimed to analyze the role of KSP Kopdit Pintu Air in the development of Micro, Small, and Medium Enterprises in the Maumere Branch. The research method employed a qualitative descriptive analysis approach. The data collection methods included observation, interviewes, and documentation.  The data sources used in this research were both primary and secondary data. The research involved 7 informants, including 3 employees of KSP Kopdit Pintu Air and 4 micro, small, and medium enterprise (UMKM) actors. The research’s results indicated that KSP Kopdit Pintu Air played a role in providing capital for micro, small, and medium enterprises. The also act as marketing facilitators, aiding members in promoting their business results. However, it’s important to note that KSP Kopdit Pintu Air did not offer entrepreneurship training, seminars, or workshops for their members. Additionally, the mentoring provided to member businesses was limited to monthly meetings for motivation, and the financial facilitators had not received training in financial management.

Tower 1 at Institut Teknologi Sepuluh Nopember Surabaya is a high-rise building (High Risk Building) in the education and office sectors, experiencing an annual increase in energy consumption. Therefore, regular and thorough energy audits are necessary to save electricity consumption and ensure that usage aligns with the Indonesian Ministry of Energy and Mineral Resources Regulation No. 13 of 2012. An energy audit is a method to calculate the energy consumption level of a building and determine potential energy savings through energy conservation. The Electrical Energy Consumption Intensity (IKE) is used as a parameter to determine whether the building's energy consumption is efficient or wasteful. The initial energy audit of Tower 1 was conducted quantitatively with on-site measurements over one year, covering the building's electrical system and area. The measurements indicated that the IKE of Tower 1 is 50.86 kWh/m²/year. Subsequently, the total installed electrical energy consumption load was calculated, yielding an IKE of 166.15 kWh/m²/year. Based on the initial energy audit results, energy conservation measures were recommended, including upgrading the lighting system with higher lumen lamps and adjusting air conditioning (AC) to the established standards. Implementing these recommendations resulted in an increased IKE of 176.04 kWh/m²/year, which is still considered efficient compared to the ASEAN-USAID standard of 240 kWh/m²/year.  

There are three issues studied in this thesis, namely: The role of Micro Business Productive Fund Assistance (BPUM) on the sustainability of MSMEs, procedures for distributing Micro Business Productive Fund Assistance (BPUM) to MSMEs, and maintaining business continuity during the Covid-19 pandemic. The aim of this research is to determine the role of Micro Business Productive Fund Assistance (BPUM) on the sustainability of MSMEs, to find out the procedures for distributing Micro Business Productive Fund Assistance (BPUM) on the sustainability of MSMEs and to find out how to maintain business continuity during the Covid-19 pandemic in the sub-district. Tungkal Ilir in 2020 and 2021. To reveal this problem in depth and comprehensively, researchers used a qualitative approach by collecting data using observation, interviews and documentation. The data analysis technique used is field analysis using the Miles and Huberman interactive model including data reduction, data display, data verification. From the research results, it can be concluded that the role and potential of BPUM are: The BPUM program will be a temporary buffer for micro businesses to reduce the negative impact of social restrictions/pandemic, encouragement to increase MSME data, accuracy of targeting of aid distribution and encouragement to BPUM beneficiaries related to licensing, certification and taxation systems. The procedures for distributing BPUM are listed in Chapter IV, Article 7 of the Regulation of the Minister of Cooperatives and Small and Medium Enterprises of the Republic of Indonesia Number 6 of 2020 concerning General Guidelines for National Support for Economic Recovery in the context of threats that endanger the nation's economy and saving the national economy during the COVID-19 virus. And there are three factors that play a role in maintaining business continuity during the COVID-19 pandemic, namely the ability to innovate, manage customers and return on investment.

The advancement of technology in the field of photography has become an increasingly growing trend over time. In the context of Indonesia, the history of photography began in 1840, in line with the discovery of photography by Juriaan Munich, a Dutch media officer. Photography has been a part of people's lifestyle for centuries, ranging from the use of simple digital cameras to sophisticated devices that require specialized skills. Lensa Photography, as a photography studio in Bengkalis Regency, also faces challenges in the booking process. Manual processes through telephone or direct visits often result in scheduling errors. To address this issue, this study has successfully developed a website-based Lensa Photography booking system using the Laravel framework and the Rapid Application Development (RAD) development method. This booking system has successfully met its objectives by providing the following features, More efficient schedule management, Improved scheduling accuracy, Time and cost savings, Increased customer satisfaction, This booking system has been adopted by Lensa Photography and has provided significant benefits for the company, including, More organized and organized booking schedules, Reduced scheduling errors, More efficient booking time and costs, Increased customer satisfaction.

Garbage is a serious problem in Indonesia, including in Medan Belawan District. The Rubbish Bank Program is present as a solution for Rubbish management and economic empowerment of the community. This research aims to analyze the concept of green economy through the Rubbish Bank program in Medan Belawan District.The research method used is qualitatively descriptive with a case study approach. Data is collected through observation, interview, and documentation. The data analysis technique used is thematic analysis. The Rubbish Bank Program in Medan Belawan District has provided economic, social, and environmental benefits. Economic benefits include increased community income, job creation, and savings in Rubbish transportation costs. Social benefits include increasing public awareness about the importance of good Rubbish management, and increasing public concern for the environment. Environmental benefits include reducing Rubbish generation, reducing environmental pollution, and preserving natural resources. The Rubbish Bank Program in Medan Belawan District is an example of the implementation of an effective and sustainable green economy concept. This program can be a model for other Rubbish management programs in Indonesia.

The higher a person's financial literacy, the greater the level of utilisation of financial products and services. Expenditure management can take advantage of financial literacy so that it can maintain finances in meeting its needs, and good financial conditions will reflect economic growth that continues to increase. The purpose of this study is to determine the effect of financial literacy on economic growth with indicators such as balance of payments, investment, total loans, savings, money supply and interest rates. With the vector autoregression (VAR) analysis method which results in that the balance of payment variable has a mutual effect on investment. Then investment and economic growth are also influenced by savings and money supply and affect interest rates and the amount of loans. So as to limit the risk of financial literacy failure in the financial system, it is necessary to increase financial risk with product innovation in the financial sector.

This study aims to analyze the significant influence of compensation, work environment, and workload on the job satisfaction of employees at the Sharia Savings and Loan Cooperative and Financing BMT Muamalat Jumapolo. This research uses quantitative data, with primary data sources. The population in this study consists of 97 employees of the Sharia Savings and Loan Cooperative and Financing BMT Muamalat Jumapolo. The sampling technique used is a census technique, so the entire population is used as the sample. The data analysis techniques used in this study are descriptive analysis, multiple linear regression analysis, t-test, F-test, and coefficient of determination (R2).The results of this study indicate that compensation (X1) does not have a significant influence on the job satisfaction of KSPPS BMT Muamalat Jumapolo employees. The work environment (X2) does not have a significant influence on the job satisfaction of KSPPS BMT Muamalat Jumapolo employees. Workload (X3) has a significant influence on the job satisfaction of KSPPS BMT Muamalat Jumapolo employees. The F-test results show a significant value of 0.000, meaning the model is appropriate for predicting the influence of compensation, work environment, and workload on job satisfaction. The R2 test results indicate that 37.1% of the variation in job satisfaction is explained by these variables, while the remaining 62,9% is explained by other variables outside the model, such as leadership style, work stress, organizational culture, and work discipline.