Ubaedul Mustofa
Jurusan Pendidikan Ekonomi, Fakultas Ekonomi, Universitas Negeri Semarang, Semarang, Indonesia

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Efektivitas Program Edukasi dan Religiositas dalam Meningkatkan Literasi dan Inklusi Keuangan Syariah Ubaedul Mustofa
Jurnal Iqtisad Vol 7, No 2 (2020): Jurnal Iqtisad
Publisher : Universitas Wahid Hasyim Semarang

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.31942/iq.v7i2.3710

Abstract

Pertumbuhan industri keuangan syariah di Indonesia hingga saat ini dirasa belum maksimal. Dibuktikan dengan market share industri keuangan syariah yang masih rendah. salah satunya sektor perbankan syariah hingga Juni 2019 hanya 5,95%. Padahal indonesia memiliki potensi yang sangat besar dengan kondisi mayoritas penduduk Indonesia adalah muslim. Sesuai hasil penelitian OJK tahun 2016, menunjukkan bahwa salah satu kendala pengembangan industri keuangan syariah tersebut adalah masih rendahnya tingkat literasi keuangan syariah masyarakat yaitu hanya 8,11% saja. Penelitian ini mengukur efektivitas program edukasi keuangan syariah yang telah dilakukan serta religiositas masyarakat sebagai variabel untuk meningkatkan literasi dan inklusi keuangan syariah. Jenis penelitian ini adalah kuantitatif dengan alat analisis data Warp-PLS 7.0. Responden merupakan para mahasiswa yang telah mengikuti edukasi keuangan syariah baik secara formal di perguruan tinggi maupun program edukasi non formal seperti Seminar, Workshop dan Training tentang keuangan syariah dengan sampel sebanyak 200 mahasiswa. Hasil penelitian menunjukkan berdasarkan estimasi pengaruh langsung (direct effect) variabel edukasi keuangan syariah dan religiositas efektif meningkatkan literasi dan inklusi keuangan syariah. Adapun besarnya pengaruh edukasi dan religiositas terhadap literasi keuangan syariah adalah 21% Sedangkan pengaruh terhadap inklusi keuangan syariah dengan literasi keuangan syariah sebagai variabel mediasi adalah sebesar 33%. Sehingga edukasi keuangan islam yang selama ini telah dilakukan serta didukung religiositas masyarakat dinilai efektif untuk meningkatkan literasi dan inklusi keuangan syariah.
PENGEMBANGAN GREEN TICKETING SEBAGAI UPAYA PENINGKATAN PENDAPATAN MASYARAKAT DAN PELESTARIAN EKOSISTEM WISATA PULAU TIBAN Ade Rustiana; Nina Farliana; Ubaedul Mustofa
JURNAL PENGABDIAN KEPADA MASYARAKAT Vol 24, No 3 (2018): JULI - SEPTEMBER
Publisher : Universitas Negeri Medan

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.24114/jpkm.v24i3.11748

Abstract

AbstrakPulau Tiban adalah objek wisata yang dikelola oleh Kelompok Sadar Wisata (Pokdarwis) Kartikajaya dan merupakan satu-satunya wisata pulau di Kabupaten Kendal yang menarik untuk dikunjungi. Permasalahan yang dihadapi Pokdarwis desa Kartikajaya adalah kurangnya kesadaran wisatawan dalam menjaga kelestarian alam lokasi wisata, kurangnya kemampuan manajerial tentang cara pengembangan wisata dengan mengedepankan kelestarian ekosistem yang ada, serta pengelolaan objek wisata yang masih sederhana. Tujuan kegiatan pengabdian ini yang pertama adalah untuk memberdayakan wisata Pulau Tiban Desa Kartikajaya, Kecamatan Patebon, Kabupaten Kendal melalui pengembangan green ticketing sebagai upaya pemberdayaan ekonomi masyarakat dan pelestarian ekosistem. Tujuan kedua adalah memberikan kontribusi positif dari adanya pemberdayaan Pokdarwis melalui pengembangan green ticketing, sehingga mampu memberikan nilai lebih tidak hanya pada lingkungan dan ekonomi, tetapi juga kesejahteraan masyarakat lokal. Metode pelaksanaan kegiatan pengabdian kepada masyarakat berupa pemberdayaan dan pengembangan green ticketing wisata yang dilakukan dengan metode pelatihan yang menghasilkan keterampilan, metode ceramah, tanya jawab, diskusi, simulasi serta pendampingan. Adapun hasil dari kegiatan pengabdian adalah meningkatkan wasasan dan pengetahuan baru pokdarwis desa Kartika jaya tentang pengelolaan wisata, meningkatkan kesadaran pokdarwis dan masyarakat terhadap kelestarian alam lokasi wisata dan adanya pemberdayaan pengembangan green ticketing.Kata Kunci: Pulau Tiban, Green Ticketing, EkowisataAbstractTiban Island is a tourist attraction managed by Tourism Awareness Group (Pokdarwis) Kartikajaya and only one tourist island in Kendal Regency that is interesting to visit. The problem faced by Pokdarwis in Kartikajaya village is lack awareness of tourists in preserving the natural preservation of tourist sites, lack of managerial ability how to develop tourism by prioritizing the preservation of existing ecosystems, as well as managing simple tourist objects. The aim of service acticities, first is to empower the Tiban Island tourism in Kartikajaya Village, through the development of green ticketing as an effort to empower the community's economy and preserve the ecosystem. The second is make positive contribution to empowering Pokdarwis through the development of green ticketing, so as to provide usefullness not only to environment and economy, but also to the welfare of local communities. The method of implementing community service activities are empowerment and development of green ticketing tours is carried out by training methods that produce skills, lecture methods, discussion, simulation and mentoring. The results are increase the awareness and new knowledge Pokdarwis about tourism management, increase the awareness and the community towards the natural preservation of tourist sites and empower the development of green ticketing.Keywords: Tiban Island, Green Ticketing, Ecotourism
Peningkatan Literasi Keuangan Syariah Bagi Guru Perbankan Syariah Khasan Setiaji; Ubaedul Mustofa; Muhammad Feriady
Dinamisia : Jurnal Pengabdian Kepada Masyarakat Vol. 4 No. 1 (2020): Dinamisia: Jurnal Pengabdian Kepada Masyarakat
Publisher : Universitas Lancang Kuning

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.31849/dinamisia.v4i1.3509

Abstract

The sharia banking expertise program at SMK is getting developed. However, it has not been fully supported by the availability of competent teachers. That is because the teachers do not come from finance or sharia banking graduates. Having that phenomena, a sharia banking training was conducted. The partners in this activity are the MGMP Central Java and DIY Sharia Banking. The participants are 44 teachers. Before the training, a pre-test was conducted with the average score of 63.11 for each participant. After having the test, a post test was obtained with an average score of 77.07. Based on the Difference Test, it can be seen that the significance value (Sig. (2-tailed)) of 0,000 is less than 0.05. In short, it can be concluded that there are significant differences in the competence of sharia banking teachers before training and after the implementation of sharia financial training.
The Role of Sharia Compliance in Online Shop Applications in Improving Consumers’ Trust Endang Sriani; Nidaul Hasanah; Ubaedul Mustofa
IQTISHADIA Vol 15, No 2 (2022): IQTISHADIA
Publisher : Ekonomi Syariah IAIN Kudus

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.21043/iqtishadia.v15i2.13606

Abstract

Muslim business transactions are governed by the principles of Islamic values, specifically Sharia compliance. However, accommodating these values poses a challenge for modern transaction system providers. This is because online shop providers have not been considering Sharia compliance as a crucial aspect to enhance consumer confidence, especially among Muslim consumers. Therefore, this research aims to determine the extent to which sharia conformity of web features and online shop applications influences consumers’ trust in the online shopping platform. It is a quantitative analysis that uses primary data from respondents representing the population. The research population comprises users of online shop applications that apply sharia compliance principles in their web design with sample data of 430 respondents. Furthermore, the data analysis uses linear and multiple regression methods aided by SPSS data analysis tools. The results show a positive and significant influence between sharia compliance, specifically avoiding prohibitions, object & price, buyer & seller, as well as offering & acceptance in websites design or online shop applications on consumers’ trust both partially and simultaneously. The partial influence of each sharia compliance variable is avoidance of main prohibitions, object & price, buyer & seller, as well as offer & acceptance by 60.6%, 62.6%, 69.3%, and 57.2%, respectively. Meanwhile, the simultaneous influence of sharia compliance variables on consumers’ trust is 79.4%, and other variables influence the remaining 20.6%. These results suggest that online shop consumers, specifically Muslims, make sharia values an essential criterion for selecting and using online shops. The theoretical contribution is to build and strengthen the concept and theory of sharia compliance to construct consumer trust. Concerning the practical contribution, the results could be the basis of consideration for online shop service providers to increase consumers’ trust by providing services in line with sharia compliance principles. Further research could explore additional variables that affect consumers’ confidence in using online shop platforms.
The Role of Sharia Compliance in Online Shop Applications in Improving Consumers’ Trust Endang Sriani; Nidaul Hasanah; Ubaedul Mustofa
IQTISHADIA Vol 15, No 2 (2022): IQTISHADIA
Publisher : Ekonomi Syariah IAIN Kudus

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.21043/iqtishadia.v15i2.13606

Abstract

Muslim business transactions are governed by the principles of Islamic values, specifically Sharia compliance. However, accommodating these values poses a challenge for modern transaction system providers. This is because online shop providers have not been considering Sharia compliance as a crucial aspect to enhance consumer confidence, especially among Muslim consumers. Therefore, this research aims to determine the extent to which sharia conformity of web features and online shop applications influences consumers’ trust in the online shopping platform. It is a quantitative analysis that uses primary data from respondents representing the population. The research population comprises users of online shop applications that apply sharia compliance principles in their web design with sample data of 430 respondents. Furthermore, the data analysis uses linear and multiple regression methods aided by SPSS data analysis tools. The results show a positive and significant influence between sharia compliance, specifically avoiding prohibitions, object & price, buyer & seller, as well as offering & acceptance in websites design or online shop applications on consumers’ trust both partially and simultaneously. The partial influence of each sharia compliance variable is avoidance of main prohibitions, object & price, buyer & seller, as well as offer & acceptance by 60.6%, 62.6%, 69.3%, and 57.2%, respectively. Meanwhile, the simultaneous influence of sharia compliance variables on consumers’ trust is 79.4%, and other variables influence the remaining 20.6%. These results suggest that online shop consumers, specifically Muslims, make sharia values an essential criterion for selecting and using online shops. The theoretical contribution is to build and strengthen the concept and theory of sharia compliance to construct consumer trust. Concerning the practical contribution, the results could be the basis of consideration for online shop service providers to increase consumers’ trust by providing services in line with sharia compliance principles. Further research could explore additional variables that affect consumers’ confidence in using online shop platforms.
The Role of Islamic Economics Literacy and Religiosity in Increasing Attitude and Behavior Environmental Awareness Ubaedul Mustofa; Widiyanto Widiyanto; Ahmad Sehabuddin; T. A. P. Aulia; A. Pramudita
Economic Education Analysis Journal Vol 1 No 1 (2023): Economic Education Analysis Journal [Special Issue]
Publisher : Universitas Negeri Semarang

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.15294/eeaj.v1i1.75406

Abstract

Environmental issues have become a global issue today. Based on the Environmental Performance Index 2022, Indonesia has only been ranked 164 of the 180 countries listed. This study aims to determine whether knowledge and understanding of Islamic economic values can increase awareness of the environment. This type of research is quantitative, with the variables Islamic Economics Literacy, Religiosity, Environmental Awareness Attitude, and Environmental Awareness Behavior. This study uses a population in the Islamic economic community or Masyarakat Ekonomi Syariah (MES) of Central Java, Indonesia, with a total sample of 200 respondents. Data analysis uses the SEM-PLS technique using WarpPLS 7.0. The study results in show that Islamic economic literacy can directly or indirectly improve attitudes and behavior toward caring for the environment. The theoretical implications of the results of this research certainly further strengthen the existing concepts and theories in Islamic economics, which emphasise the importance of protecting the environment. As for the practical implications, the results of this research can be used as a basis for stakeholders to continue implementing Islamic economic education programs to solve natural environmental problems through increasing awareness of the environment.