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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) 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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Pendampingan Pendirian Koperasi Syariah Untuk Meminimalisir Jeratan Rentenir Bagi Warga Desa Ngemboh Gresik Setiyowati, Arin; Salsabilla, Salma Nadia; Permata Sari, Yuliana; Septiansa, Fariski
Humanism : Jurnal Pengabdian Masyarakat Vol 6 No 1 (2025): April
Publisher : Universitas Muhammadiyah Surabaya

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.30651/hm.v6i1.23560

Abstract

Pengabdian masyarakat ini bertujuan sebagai sarana memberikan edukasi, pemahaman, pembudayaan ber-keuangan syariah sekaligus pendampingan pendirian koperasi syariah di desa Ngemboh guna memberikan akses keuangan berbasis Islam yang dekat dan mudah dijangkau supaya meminimalisir dijerat oleh rentenir. Koperasi Simpan Pinjam dan Pembiayaan Syariah (KSPPS) yang merupakan lembaga keuangan mikro syariah (LKMS) yang mampu melayani baik kebutuhan masyarakat untuk rumah tangga maupun pelaku usaha mikro dan kecil. Lembaga ini memfasilitasi terbangunnya kondisi (sistem, metoda, teknik dan output) terwujudnya perimbangan kekayaan yang tidak hanya berada pada segolongan masyarakat. Tujuan diadakannya pendirian koperasi ini yakni membantu meminimalisir jeratan renternir yang menjadi keresahan masyarakat Desa Ngemboh. Pendirian dan Pelaksanaan KSPPS dilakukan dengan bersandar kepada aturan syariah dan aturan koperasi yang ada selama tidak bertentangan dengan hukum syariah. Kekuatan nilai-nilai spiritual dan sosial dari KSPPS ini menjadi kelebihan koperasi berbasis syariah dengan koperasi unit desa konvensional. Dalam menjalankan program pengabdian ini akan dilakukan dengan melakukan pendekatan metode; persiapan, sosialisasi, edukasi, pendampingan,dan pendirian secara legal KSPPS Aisyiyah Berkah Assakinah desa Ngemboh. Kata Kunci : Koperasi, Koperasi Syariah, Rentenir, Pinjaman Online (Pinjol)
Strategic Utilization of Muhammadiyah’s Waqf Land Assets To Support Green Economy Setiyowati, Arin; Salsabilla, Salma Nadia; Berkah, Dian; Nadid, Erdin
MALIA: Jurnal Ekonomi Islam Vol 16 No 2 (2025)
Publisher : Department of Islamic Economics, Faculty of Islamic Religion, Yudharta University Pasuruan, East Java, Indonesia.

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.35891/ml.v16i2.6291

Abstract

Introduction: The utilization of waqf land assets, especially in the Muhammadiyah Organization, has not been optimal in supporting sustainable development and a green economy. A strategy for utilizing waqf land assets in the Muhammadiyah Organization to support a green economy is pivotal. Methods: This study used a qualitative method with a case study approach. The sources used in this study are primary and secondary data. The data analysis technique used in this study was simplifying raw data from interviews or data reduction. Results: Data collection used in-depth interviews with Nadzir administrators. Based on the interviews, four main detailed themes emerged: management of waqf land assets, utilization of waqf land for a green economy, collaboration and partnership, and challenges and optimization strategies. These four themes provide a complete picture of how the waqf land management process works in the field practice. Conclusion and suggestion: Optimizing the use of waqf land assets by Muhammadiyah, especially in Bojonegoro and Lamongan, has shown a paradigm shift from traditional waqf management to productive waqf oriented towards sustainability through integration with the concept of green economy.
Upaya Peningkatan Kemandirian Ekonomi APUNA Jawa Timur Melalui Aplikasi Smart Self Entrepreneur (SSE) Setiyowati, Arin; Berkah, Dian; Huda, Fatkur; Salsabilla, Salma Nadia
Society : Jurnal Pengabdian Masyarakat Vol. 3 No. 5 (2024): September
Publisher : Edumedia Solution

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.55824/jpm.v3i5.447

Abstract

Kurangnya pengetahuan dan pemahaman tentang pengelolaan usaha yang professional untuk peningkatan skala usaha, tidak ada akses maupun media yang mewadai upaya peningkatan skill kewirausahaan secara mandiri yang mudah diakses darimana saja dan kapan saja, dan belum adanya Gerakan yang massif mengenai peningkatkan kualitas kewirausahan menjadikan Tim Abdimas Universitas Muhammadiyah Surabaya melakukan pengabdian dengan menghadirkan Solusi berupa aplikasi Smart Self Entrepreneur (Sse) berbasis web untuk peningkatan kemandirian ekonomi perempuan khususnya kader PWNA Jawa Timur. Metode penelitian dilakukan dalam beberapa tahapan yakni persiapan, pelaksaanaan mentoring evaluasi, dan pelaporan. Hasilnya bahwa pengabdian ini mendapatkan respon yang positif dari berbagai pihak terutama dari PWNA Jawa Timur
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.
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 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 Salsabilla, Salma Nadia Septiansa, Fariski Setiawan, Tho’at Shinta Wulandari, Athiya SM, Ainol Yaqin Suksmawati, Herlina Thoat Stiawan Wijaya, M. Febrianto Yuyun Wahyu Izzati Surya Zuhroh, Latifah Nisa'uz Zuhud, Mochammad Haris