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All Journal Afkaruna: Indonesian Interdisciplinary Journal of Islamic Studies Journal of Indonesian Tourism and Development Studies Musawa : Jurnal Studi Gender dan Islam Jurnal Ilmiah Ekonomi Islam AKSIOLOGIYA : Jurnal Pengabdian Kepada Masyarakat Perisai : Islamic Banking and Finance Journal Jurnal Masharif al-Syariah: Jurnal Ekonomi dan Perbankan Syariah ELSE (Elementary School Education Journal) : Jurnal Pendidikan dan Pembelajaran Sekolah Dasar Jurnal Ekonomi Islam JMM (Jurnal Masyarakat Mandiri) Al Qalam: Jurnal Ilmiah Keagamaan dan Kemasyarakatan Martabe : Jurnal Pengabdian Kepada Masyarakat MALIA Nusantara Science and Technology Proceedings Humanism : Jurnal Pengabdian Masyarakat Society: Jurnal Pengabdian Masyarakat Jurnal Ekonomi Islam Musyarakah: Journal of Sharia Economics (MJSE)
Setiyowati, Arin
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Piagam Debest: Integrasi Komitmen Tripusat Pendidikan Untuk Penguatan Pendidikan Karakter di SD Muhammadiyah 24 Surabaya Arif, Achmad Zainuri; Setiyowati, Arin
ELSE (Elementary School Education Journal) : Jurnal Pendidikan dan Pembelajaran Sekolah Dasar Vol 1 No 2b (2017): DESEMBER
Publisher : UNIVERSITAS MUHAMMADIYAH SURABAYA

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.30651/else.v1i2b.1154

Abstract

Tantangan pendidikan di era millenial menjadi sangat kompleks. Kemajuan teknologi, gempuran budaya asing serta erosi kearifan lokal sebagai karakter bangsa Indonesia perlu direspon dengan baik. Untuk itu diperlukan kolaborasi dari berbagai komponen pendidikan dalam menghadapi kompleksitas tantangan masa depan pendidikan tersebut. Sebagai tripusat pendidikan, peranan keluarga, sekolah dan masyarakat harus mampu dikomunikasikan dengan baik agar dapat menjadi perisai dalam membentengi generasi muda dalam menghadapi gempuran budaya yang tidak sesuai dengan karakter bangsa. Pola komunikasi yang baik bagi ketiga komponen utama pendidikan tersebut dikonsep secara matang sehingga pola integrasi komitmen dalam penguatan pendidikan karakter dapat berjalan efektif. Tujuan penelitian ini adalah untuk mendeskripsikan integrasi komitmen tripusat pendidikan yang sudah diinisiasi dan dilaksanakan SD Muhammadiyah 24 Surabaya. Metode penelitian yang digunakan adalah penelitian lapangan, pendekatan kualitatif-studi kasus SD Muhammadiyah 24 Surabaya. Hasil penelitian bahwa melalui Piagam DE BEST sebagai bentuk integrasi komitmen tripusat pendidikan dalam menopang pendidikan karakter yang menjadi visi dari SD Muhammadiyah 24 Surabaya sudah berjalan efektif. Kata Kunci : TriPusat Pendidikan, Pendidikan Karakter, SD Muhammadiyah 24 Surabaya   
PENINGKATAN PRODUKTIVITAS DAN INOVASI PRODUK SYIRKAH PADA KOPERASI WANITA 'AMANAH' DI PIMPINAN RANTING 'AISYIYAH TLOGOAGUNG, BOJONEGORO Huda, Fatkur; Setiyowati, Arin; Stiawan, Thoat; Nadid, Erdin
Martabe : Jurnal Pengabdian Kepada Masyarakat Vol 7, No 11 (2024): MARTABE : JURNAL PENGABDIAN MASYARAKAT
Publisher : Universitas Muhammadiyah Tapanuli Selatan

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.31604/jpm.v7i11.4600-4607

Abstract

Koperasi Wanita "Amanah" di Desa Tlogoagung, Bojonegoro, menghadapi berbagai tantangan dalam meningkatkan produktivitas dan inovasi produk syirkah. Program pendampingan inovasi produk syirkah di koperasi ini bertujuan untuk mengatasi masalah akses informasi pasar dan teknologi serta kapasitas sumber daya manusia. Program ini melibatkan anggota koperasi dalam riset pasar, pelatihan keterampilan, pengembangan ide kreatif, dan optimalisasi media digital untuk pemasaran. Implikasi dari pendampingan ini mencakup peningkatan daya saing koperasi dan peningkatan kapasitas SDM. Dengan inovasi dan pengelolaan yang lebih baik, koperasi tidak hanya memperkuat posisinya di pasar tetapi juga memberikan manfaat ekonomi yang lebih besar bagi anggotanya dan masyarakat sekitar. Program ini menunjukkan bahwa keterlibatan aktif anggota dan penggunaan teknologi modern dapat mendorong pertumbuhan koperasi syariah secara berkelanjutan.
Peluang Dan Tantangan Perbankan Syariah Di Tengah Maraknya Financial Technology (Fintech) Berbasis Pinjaman Online Setiyowati, Arin; SM, Ainol Yaqin
Jurnal Ilmiah Ekonomi Islam Vol. 9 No. 3 (2023): JIEI : Vol.9, No.3, 2023
Publisher : ITB AAS INDONESIA Surakarta

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.29040/jiei.v9i3.8613

Abstract

The purpose of this research is to show the opportunities and obstacles that exist in Islamic banking in the midst of the development of online loan-based fintech which is widely used by the public due to the ease of applying for loans. This is different from financing in Islamic banking in terms of submitting financing which is not as easy and fast as that offered by fintech. This research uses a qualitative method with data collection techniques through literature study. From the data collected, researchers will compare the opportunities and challenges of Islamic banking in the midst of the development of online loan-based fintech. The results of this research indicate that the opportunity for Islamic banking is to be able to increase access to finance for the unreached public through collaboration with Islamic fintech, attracting, collecting and channeling funds at a broader level, and channeling digital-based Islamic financing. The challenges are in regulating and supervising fintech companies operating within the Islamic banking system, competition with conventional fintech that do not follow sharia principles, and the lack of public education about the differences between loans in Islamic banking and fintech online loans.
Better Living Through Tourism’s Improvement and Homestay: A Study Case of Tegaren Adnyana, Made Bambang; Mijiarto, Joko; Nuryananda, Praja Firdaus; Setiyowati, Arin
Journal of Indonesian Tourism and Development Studies Vol. 11 No. 3 (2023)
Publisher : Graduate School, Universitas Brawijaya

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.21776/ub.jitode.2023.011.03.04

Abstract

This article is the result of field research conducted in Tegaren, a tourism village in Trenggalek, East Java, Indonesia. Tegaren has become a tourism village that consistently ranks among the top 500 in the Anugerah Desa Wisata Indonesia in 2022 and 2023. This study examines how tourism growth in Tegaren impacts the quality of life through homestays and small enterprises. As one of the outstanding tourism villages in Trenggalek, Tegaren has interesting tourism developments to study. By using interviews, observation, and literature studies, the authors collected data from several village representatives. The collected data is then interpreted using qualitative analysis methods. The results obtained were then verified using the Tourism Area Life Cycle (TALC) concept and the Better Life Index for measuring quality of life. Authors also use an asset-based community development (ABCD) approach to get qualitative data as accurately as possible. This article also presents the results of research by the authors, revealing that Tegaren people are directly affected by the growing tourism business in the village. These community components include besek farmers and homestay business owners or lodging accommodations in Tegaren. This study demonstrates how local ecotourism can improve the quality of life for residents. However, there is still much that needs to be improved in this study, which is expected to be carried out in further research.
IMPLEMENTATION OF MURABAHAH CONTRACT IN FINANCING HOME OWNERSHIP TAKE OVER (PPR) AT BANK SYARIAH INDONESIA (BSI) KCP SIDOARJO KRIAN IN A REVIEW OF DSN MUI FATWA Muftaqor, Nur Azmil; Setiyowati, Arin; Huda, Fatkhur; Nasution, Hafizul Ilmi
Ekonomi Islam Vol. 16 No. 2 (2025): Jurnal Ekonomi Islam Fakultas Agama Islam UHAMKA
Publisher : Universitas Muhammadiyah Prof DR HAMKA

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.22236/jei.v16i2.19758

Abstract

Research aims: This study analyzes the implementation of the Murabahah contract in take-over Financing for home Ownership Financing at Bank Syariah Indonesia (BSI) KCP Sidoarjo Krian, with emphasis on Sharia compliance, transaction transparency, and procedural integrity. Design/Methodology/Approach: A qualitative‐descriptive design was adopted. Primary data were gathered through in‐depth interviews with key bank officials and supplemented by document analysis. Data were processed via reduction, presentation, and thematic interpretation. Research findings: Results indicate that the BI‐Checking stage is pivotal for assessing customer creditworthiness and mitigating financing risk. BSI KCP Sidoarjo Krian demonstrates Sharia adherence by disclosing detailed cost breakdowns and profit margins before contract execution, reflecting principles of honesty and fairness. Theoretical Contribution/Originality: This study proposes a structured set of guidelines to enhance Murabahah-based takeover mechanisms. Notable recommendations include standardized disclosure practices, regular reassessment of repayment capacity, and strengthened notarial collaboration to ensure legal compliance. Practitioners/Policy Implications: The study underscores the need for a nationally standardized framework across Islamic financial institutions to optimize operational efficiency, foster inclusive financial access, and reinforce public trust in Sharia-compliant financing systems. Research Limitations/Implications: Given its institution-specific focus on BSI KCP Sidoarjo Krian, generalization across other Islamic banks may be limited. Further research is recommended to evaluate the model’s applicability in diverse institutional and regional contexts.
IMPLEMENTATION OF MURABAHAH CONTRACT IN FINANCING HOME OWNERSHIP TAKE OVER (PPR) AT BANK SYARIAH INDONESIA (BSI) KCP SIDOARJO KRIAN IN A REVIEW OF DSN MUI FATWA Muftaqor, Nur Azmil; Setiyowati, Arin; Huda, Fatkhur; Nasution, Hafizul Ilmi
Ekonomi Islam Vol. 16 No. 2 (2025): Jurnal Ekonomi Islam Fakultas Agama Islam UHAMKA
Publisher : Universitas Muhammadiyah Prof DR HAMKA

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.22236/jei.v16i2.19758

Abstract

Research aims: This study analyzes the implementation of the Murabahah contract in take-over Financing for home Ownership Financing at Bank Syariah Indonesia (BSI) KCP Sidoarjo Krian, with emphasis on Sharia compliance, transaction transparency, and procedural integrity. Design/Methodology/Approach: A qualitative‐descriptive design was adopted. Primary data were gathered through in‐depth interviews with key bank officials and supplemented by document analysis. Data were processed via reduction, presentation, and thematic interpretation. Research findings: Results indicate that the BI‐Checking stage is pivotal for assessing customer creditworthiness and mitigating financing risk. BSI KCP Sidoarjo Krian demonstrates Sharia adherence by disclosing detailed cost breakdowns and profit margins before contract execution, reflecting principles of honesty and fairness. Theoretical Contribution/Originality: This study proposes a structured set of guidelines to enhance Murabahah-based takeover mechanisms. Notable recommendations include standardized disclosure practices, regular reassessment of repayment capacity, and strengthened notarial collaboration to ensure legal compliance. Practitioners/Policy Implications: The study underscores the need for a nationally standardized framework across Islamic financial institutions to optimize operational efficiency, foster inclusive financial access, and reinforce public trust in Sharia-compliant financing systems. Research Limitations/Implications: Given its institution-specific focus on BSI KCP Sidoarjo Krian, generalization across other Islamic banks may be limited. Further research is recommended to evaluate the model’s applicability in diverse institutional and regional contexts.
MANAJEMEN KEUANGAN BERBASIS SYARIAH PADA BADAN USAHA MILIK NASYIATUL AISYIYAH JAWA TIMUR GUNA MENINGKATKAN KEMANDIRIAN EKONOMI ORGANISASI PEREMPUAN Setiyowati, Arin; Salsabilla, Salma Nadia; Berkah, Dian
JMM (Jurnal Masyarakat Mandiri) Vol 9, No 5 (2025): Oktober
Publisher : Universitas Muhammadiyah Mataram

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.31764/jmm.v9i5.33633

Abstract

Abstrak: Pentingnya penguatan kapasitas manajemen keuangan berbasis syariah bagi organisasi perempuan menjadi alasan utama pelaksanaan kegiatan ini, khususnya dalam rangka mendorong kemandirian ekonomi BUANA (Badan Usaha Milik Nasyiatul Aisyiyah) Jawa Timur. Kegiatan ini bertujuan untuk meningkatkan softskill dan hardskill mitra dalam mengelola keuangan dan usaha secara profesional dan sesuai prinsip syariah. Metode yang digunakan meliputi pelatihan manajemen bisnis dan keuangan syariah, serta pendampingan manajemen keuangan syariah kepada mitra. Kegiatan ini melibatkan 50 orang anggota BUANA PWNA Jatim sebagai mitra utama. Evaluasi dilakukan melalui observasi, wawancara, dan analisis dokumen keuangan sebelum dan sesudah kegiatan, dengan instrumen berupa 20 butir pertanyaan yang mengukur tingkat pemahaman serta tiga indikator keberhasilan utama: peningkatan literasi keuangan syariah, kemampuan penyusunan laporan keuangan sesuai prinsip syariah, dan kemandirian dalam pengoperasian sistem informasi manajemen keuangan. Hasil evaluasi menunjukkan peningkatan kemampuan mitra dalam mengelola keuangan berbasis syariah secara tersistem sebesar 90%, yang mencerminkan efektivitas pendekatan pelatihan dan implementasi digital dalam memperkuat tata kelola organisasi perempuan berbasis nilai-nilai Islam.Abstract: The importance of strengthening sharia-based financial management capacity for women's organizations is the main reason for the implementation of this activity, particularly in order to encourage the economic independence of BUANA (Badan Usaha Milik Nasyiatul Aisyiyah) East Java. This activity aims to enhance the soft skills and hard skills of partners in managing finances and businesses professionally and in accordance with sharia principles. The methods used include training in business management and sharia finance, as well as providing sharia financial management assistance to partners. This activity involved 50 members of BUANA PWNA East Java as the main partners. The evaluation was carried out through observation, interviews, and analysis of financial documents before and after the activities, using an instrument consisting of 20 questions to measure the level of understanding and three main success indicators: improvement of sharia financial literacy, the ability to prepare financial reports according to sharia principles, and independence in operating the financial management information system. The evaluation results show a 90% improvement in partners' ability to systematically manage sharia-based finance, reflecting the effectiveness of the training approach and digital implementation in strengthening the governance of women’s organizations based on Islamic values.
Bank Syariah sebagai Mitra Distribusi pada Produk CWLS Ritel SWR003 Perspektif Maqashid Syariah Setiyowati, Arin; Hartini, Dewi Sri
Jurnal Ilmiah Ekonomi Islam Vol. 10 No. 3 (2024): JIEI : Vol.10, No.3, 2024
Publisher : ITB AAS INDONESIA Surakarta

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.29040/jiei.v10i3.13044

Abstract

This study aims to analyze related to the role of Islamic banks as distribution partners in using Retail CWLS SWR003 in the perspective of maqashid sharia. This research was conducted using a qualitative research method, a literature study approach (Library Research). Data validity with source triangulation. The data analysis technique in this study is to use discourse analysis. The results of the study show that BSI as the nazhir partner and distribution partner of the SWR003 Retail CWLS program has implemented programs that are distributed to partners through Lazismu and BSM Ummah. Through the Village UMKM Program, SAUM, raising sheep, and Islamic boarding schools based UMKM. From a number of return fund distribution programs, the management of CWLS SWR003 funds in the perspective of Maqashid Syariah has fulfilled the concept of maqashid syariah which consists of dharuriyyah, hajiyyat, tasiniyah.
Efektifitas Peningkatan Literasi Keuangan Syariah Melalui Edukasi Akad-Akad Syariah Oleh Bprs Mandiri Mitra Sukses Gresik Di Desa Ngemboh Gresik Hidayah, Nadiyah Rizqa; Setiyowati, Arin; Huda, Fatkur
Jurnal Ilmiah Ekonomi Islam Vol. 10 No. 3 (2024): JIEI : Vol.10, No.3, 2024
Publisher : ITB AAS INDONESIA Surakarta

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.29040/jiei.v10i3.14548

Abstract

Penelitian ini bertujuan untuk menganalisa tingkat literasi masyarakat Desa Ngemboh Gresik terhadap keuangan Syariah khususnya akad-akad Syariah melalui edukasi yang diberikan oleh BPRS Mandiri Mitra Sukses Gresik. Jenis penelitian yang digunakan adalah studi kasus dengan metodelogi kualitatif. Teknik pengumpulan data dilaksanakan melalui wawancara dan data-data yang relevan Hasil penelitian ini menunjukkan bahwa edukasi tentang akad-akad Syariah yang dilakukan oleh BPRS Mandiri Mitra Sukses Gresik bersama mahasiswa Universitas Muhammadiyah Surabaya efektif dalam meningkatkan literasi keuangan Syariah di Desa Ngemboh. Program ini berhasil meningkatkan pemahaman masyarakat mengenai konsep-konsep keuangan Syariah, mengubah sikap dan perilaku masyarakat terhadap penggunaan produk keuangan Syariah, serta memberikan dampak positif jangka panjang bagi kesejahteraan ekonomi masyarakat.
Penerapan Shariah Compliance Pada Manajemen Risiko Produk Mikro Ekspress Berbasis Akad Murabahah (Studi Kasus BPRS Mandiri Mitra Sukses Gresik) Ahmad, Resha; Setiyowati, Arin; Huda, Fatkur
Jurnal Ilmiah Ekonomi Islam Vol. 10 No. 3 (2024): JIEI : Vol.10, No.3, 2024
Publisher : ITB AAS INDONESIA Surakarta

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.29040/jiei.v10i3.14654

Abstract

In recent years, the Islamic finance industry has experienced rapid growth, significantly impacting the global economy. One Islamic financial institution that has grown rapidly as the banking system has declined is BPRS. BPRS, as an Islamic microfinance institution operating in the lower economic zone, has many enthusiasts due to its focus on microfinance based on sharia principles. BPRS Mandiri Mitra Sukses Gresik, which focuses on community economic empowerment, offers the Micro Express product based on the akad murabahah as one of the main pillars in its service portfolio. However, with the ever-changing economic dynamics and increasingly stringent sharia regulations, BPRS Mandiri Mitra Sukses Gresik needs to evaluate risk management on this product to ensure compliance with sharia principles. This research will help explain the risk management steps taken by BPRS Mandiri Mitra Sukses Gresik on the Micro Express product based on the akad Murabahah and analyze the compliance of Shariah compliance with the risk management of the Micro Express product based on the akad Murabahah at BPRS Mandiri Mitra Sukses Gresik. This research is qualitative research with a case study approach, focusing on the description of the risk management mechanism applied at BPRS Mandiri Mitra Sukses Gresik and the analysis of the compliance of risk management with sharia compliance on the Micro Express product based on the murabahah contract. The aim of this research is to determine the steps and compliance of Shariah compliance in the risk management taken by BPRS Mandiri Mitra Sukses Gresik on the Micro Express product based on the akad Murabahah. The result is that the implementation of risk management on the Micro Express product based on the akad murabahah at BPRS Mandiri Mitra Sukses Gresik is in accordance with DSN MUI Fatwa No.04/DSN-MUI/IV/2000 regarding Postponement of Murabahah Financing, Financial Services Authority Regulation No.23/POJK.03/2018 regarding the Implementation of Risk Management for Islamic Rural Banks, and sharia principles in UU RI No.21 Tahun 2008 Pasal 2 regarding the fulfillment of sharia principles.
Co-Authors Adnyana, Made Bambang Agus Budiman Ahmad, Resha Alawi, A. Muammar Apsari, Phatriakalista Intan Arfan Muammar, Muhammad Aribowo Arif, Achmad Zainuri Aulia Zahra, Ananda Putri Choliq, Idham Dian Berkah Fatkur Huda Fery Efendi, Junaidi Haqiqi Rafsanjani Hartini, Dewi Sri Hidayah, Nadiyah Rizqa Huda, Fatkhur Ichda Wahyuni, Holy Joko Mijiarto, Joko Krisdianto Sugiyanto Lutfiana, Shinta Muammar, Muhammad Arfan Muftaqor, Nur Azmil Nadia Salsabilla, Salma Nadid, Erdin Nanda Pratiwi, Danisa Nasution, Hafizul Ilmi Nisful Laila Nuryananda, Praja Nuryananda, Praja Firdaus Paranggi, Alifia Permata Sari, Yuliana Pratiwi, Danisa Nanda Putri, Fahriza Nahdya Putri, Galuh Melati Raditya Sukmana Radius Setiyawan, Radius Rahmatin, Leily Suci Rahmayani, Nisa Rikza, Ayu Salsabila, Salma Nadia Salsabilla, Salma Nadia Sari, Yuliana Permata Septiansa, Fariski Setiawan, Tho’at Shinta Wulandari, Athiya SM, Ainol Yaqin Suksmawati, Herlina Tariq, Atika Agustina Thoat Stiawan Wijaya, M. Febrianto Yuyun Wahyu Izzati Surya Zuhroh, Latifah Nisa'uz Zuhud, Mochammad Haris