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All Journal International Humanities and Applied Science Journal Indonesian Collaboration Journal of Community Services (ICJCS) Jurnal Hasil Pengabdian Masyarakat (JURIBMAS)
Lailatul Uyun
Universitas Pamulang
Humanities Computer Science & IT Decision Sciences, Operations Research & Management Economics, Econometrics & Finance Education Electrical & Electronics Engineering Engineering Environmental Science Library & Information Science Social Sciences Other

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PENINGKATAN LITERASI KEUANGAN BAGI GENERASI MUDA MELALUI PEMBELAJARAN MANAJEMEN KEUANGAN DASAR PADA PONDOK PESANTREN MODERN KULLIYYATUL AL-NAASYIIN AL-ISLAMIYYAH (KULNI) Riski Wisnu Prakoso; Lailatul Uyun
Indonesian Collaboration Journal of Community Services (ICJCS) Vol. 6 No. 2 (2026): Indonesian Collaboration Journal of Community Services
Publisher : Yayasan Education and Social Center

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.53067/icjcs.v6i2.241

Abstract

Financial literacy and understanding of basic financial management are crucial competencies for the younger generation to prepare for a better and more independent financial future. However, many students in Islamic boarding schools still have limited understanding in managing personal finances, such as budgeting, recording income and expenses, and distinguishing between needs and wants. This Community Service Program (PKM) aims to provide socialization and education regarding the importance of financial literacy and the application of basic financial management for the younger generation. Through an approach based on interactive lectures, discussions, simple case studies, and simulations of allowance management, this program helps participants understand the basic principles of financial management, cultivate saving awareness, and develop wise and responsible financial behavior.The Community Service Program (PKM) was conducted on April 17, 2026, at the Kulliyyatul Al-Naasyiin Al-Islamiyyah (KULNI) Modern Islamic Boarding School. The methods used in this program included counseling, interactive workshops, and practical exercises in simple budgeting and financial recording. Evaluation through pre-tests and post-tests, as well as observation of participant engagement, was carried out to measure the improvement in participants' understanding and changes in financial behavior. The expected outcomes are an increase in students' awareness and skills in managing their finances in a planned and responsible manner, thereby fostering healthy financial habits from an early age and preparing them to become financially independent individuals in the future
Analisis Profitabilitas Dan Pengembalian Investasi Sebagai Kunci Sukses Bisnis Pelajar Pada SMK Al-Khaeriyah Pengampelan Lailatul Uyun; Nur Rohmansah; Amanda Putri Sheftyani; Asti Rahayu; Titi Hasnawati
JURIBMAS : Jurnal Hasil Pengabdian Masyarakat Vol 4 No 2 (2025): Oktober 2025
Publisher : LKP KARYA PRIMA KURSUS

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.62712/juribmas.v4i2.677

Abstract

Kegiatan Pengabdian Kepada Masyarakat (PKM) ini bertujuan untuk meningkatkan pemahaman dan keterampilan pelajar dalam menganalisis profitabilitas dan pengembalian investasi (Return on Investment/ROI) sebagai dasar pengelolaan usaha yang efektif dan berkelanjutan. Program ini dilaksanakan di SMK Al-Khaeriyah Pengampelan, Kota Serang, Banten, dengan sasaran siswa yang tergabung dalam kegiatan kewirausahaan sekolah. Metode pelaksanaan menggunakan pendekatan workshop interaktif yang meliputi ceramah, diskusi, simulasi, serta praktik langsung analisis keuangan sederhana. Kegiatan ini dilaksanakan melalui tiga tahapan, yaitu tahap persiapan (survei dan penyusunan materi), tahap pelaksanaan (pemberian materi dan pelatihan), serta tahap evaluasi (penilaian pemahaman dan refleksi kegiatan). Hasil kegiatan menunjukkan peningkatan signifikan pada pemahaman peserta terhadap konsep profitabilitas dan ROI. Siswa mampu menerapkan strategi peningkatan keuntungan melalui efisiensi biaya, penggunaan bahan lokal, serta pemanfaatan media sosial sebagai sarana promosi. Selain itu, siswa juga mulai melakukan pencatatan keuangan sederhana dan evaluasi usaha secara berkala. Kegiatan ini membentuk pola pikir kewirausahaan yang lebih profesional, rasional, dan berorientasi pada keberlanjutan usaha di kalangan pelajar SMK
The Concept and Implementation of Contracts in Sharia Insurance Products: A Study at PT Asuransi Jiwa Syariah Bumiputera Serang Fitriah Fitriah; Lailatul Uyun
International Humanities and Applied Science Journal Vol. 9 No. 1 (2026)
Publisher : Universitas Mercu Buana

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Abstract

Abstract – This study aims to analyze the conformity between the concept and implementation of contracts in sharia insurance products at PT Asuransi Jiwa Syariah Bumiputera, located at the AJB Bumiputera Building, 2nd Floor, Jalan Veteran No. 11, Serang, Banten, with a focus on the application of tabarru’ and wakalah bil ujrah contracts in individual life insurance, group life insurance, and bancassurance products in accordance with sharia principles and DSN-MUI fatwas. The novelty of this study lies in its examination of various individual life insurance products such as Mitra Iqra Plus, Mitra BP Link Syariah, Mitra Mabrur Plus, and AJSB Assalam Family; group life insurance products such as Mitra Ekawarsa, Mitra Personal Accident Protection, and Mitra Ta’awun Fixed-Benefit Financing; as well as bancassurance products developed in collaboration with Islamic banks. This research employs a descriptive qualitative approach using interview and observation techniques. The findings indicate that, conceptually, all products have implemented contracts in accordance with sharia principles, including the separation of participants’ funds and company funds; however, gaps remain between the provisions stated in the policy documents and actual practices, particularly concerning the management of underwriting surplus and the transparency of ujrah.Keywords: Sharia Insurance; Tabarru’ Contract; wakalah Bil Ujrah; Mudharabah; Surplus Underwriting
Co-Authors Amanda Putri Sheftyani Asti Rahayu Fitriah, Fitriah Nur Rohmansah Prakoso, Riski Wisnu Titi Hasnawati