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All Journal Adi Widya : Jurnal Pengabdian Masyarakat EKSYA: Jurnal Ekonomi Syariah
Indri Putri Pratiwi
Universitas Nahdlatul Ulama Sunan Giri
Economics, Econometrics & Finance Social Sciences Other

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SISTEM OPERASIONAL LEMBAGA KEUANGAN SYARIAH DAN KONTRIBUSINYA TERHADAP PEMBERDAYAAN UMAT Sindy Wahyu Silvia; Eko Arief Cahyono; Indri Putri Pratiwi
EKSYA : Jurnal Ekonomi Syariah Vol 6 No 2 (2025): JURNAL EKSYA: JURNAL EKONOMI SYARIAH
Publisher : Program Studi Ekonomi Syariah Sekolah Tinggi Agama Islam Negeri Mandailing Natal

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Abstract

This article examines the implementation of the operational systems of Islamic Financial Institutions (LKS) and their contribution to enhancing community empowerment. LKS represents an alternative financial system based on Sharia principles, including the prohibition of usury (riba), uncertainty (gharar), and speculation (maisir). This study employs a qualitative approach, utilizing a literature review method to analyze various scholarly sources and official documents. The findings indicate that LKS carries out fund collection and distribution through Sharia-compliant contract schemes such as mudharabah, musyarakah, murabahah, ijarah, salam. These operations are supervised by the Sharia Supervisory Board (DPS), the Financial Services Authority (OJK), and the National Sharia Council – Indonesian Ulema Council (DSN-MUI) to ensure full compliance with Islamic principles. Furthermore, LKS integrates Sharia-based financial technology (fintech) to promote inclusive financial services and innovation. From a social perspective, LKS plays a significant role in supporting micro, small, and medium enterprises (MSMEs), providing Sharia-compliant financing, managing Islamic social funds—such as zakat, infak, sedekah, and waqf—productively, and enhancing public awareness of Islamic financeThese findings confirm that LKS serves not only as a financial intermediary but also as a catalyst for community empowerment, contributing to the development of a just and sustainable economic system.
Pendampingan dan Edukasi Pencegahan Dekadensi Moral di MA Darussalam Deru Melalui Program D’SMARTIKA Movement Ana Mar'atus Safitri; Eko Arief Cahyono; Indri Putri Pratiwi; Ayu Setyaningsih; Toni Hermansyah; Abdul Wahid Nur Hadi
Adi Widya : Jurnal Pengabdian Masyarakat Vol 10 No 1 (2026): Adi Widya: Jurnal Pengabdian Masyarakat
Publisher : Lembaga Penelitian dan Pengabdian Masyarakat

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.33061/awpm.v10i1.14030

Abstract

Fenomena dekadensi moral di kalangan peserta didik MA Darussalam Deru terlihat dari rendahnya kedisiplinan, menurunnya kesantunan, serta penggunaan gawai yang tidak terkendali sehingga memengaruhi iklim belajar. Kegiatan pengabdian ini bertujuan mencegah dekadensi moral melalui penguatan pendidikan karakter berbasis nilai SMART (Santun, Moral, Attitude, Religius, dan Tanggung Jawab) dalam Program D’SMARTIKA Movement. Metode yang digunakan adalah Participatory Action Research (PAR) melalui tahapan observasi, sosialisasi, workshop, pendampingan, serta monitoring dan evaluasi dengan melibatkan kepala madrasah, guru pendamping, dan ±25 siswa. Hasil menunjukkan peningkatan signifikan pada pemahaman nilai karakter, ditunjukkan melalui perubahan nilai pre-test 58,20 menjadi 83,75 atau meningkat sebesar 43,9%. Selain itu, 80% siswa menunjukkan peningkatan kedisiplinan dan tanggung jawab, serta 95% meningkat dalam kesantunan dan kesadaran religius. Perubahan perilaku juga tercermin dari berkurangnya pelanggaran tata tertib, meningkatnya etika komunikasi, serta terbentuknya agen perubahan dari kalangan siswa. Temuan ini menunjukkan bahwa pendampingan karakter berbasis PAR efektif dalam mendorong internalisasi nilai moral dan menciptakan perubahan sosial yang berkelanjutan di lingkungan madrasah.
Co-Authors Abdul Wahid Nur Hadi Ana Mar'atus Safitri Ayu Setyaningsih Eko Arief Cahyono Sindy Wahyu Silvia Toni Hermansyah