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All Journal Jurnal Maksipreneur: Manajemen, Koperasi, dan Entrepreneurship Jurnal Pengabdian Pelitabangsa Jurnal Ilmiah MEA (Manajemen, Ekonomi, dan Akuntansi) JURNAL ABDIMAS PLJ Help: Journal of Community Service
Fazriah, Siti
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Religion Arts Humanities Computer Science & IT Decision Sciences, Operations Research & Management Economics, Econometrics & Finance Education Energy Environmental Science Industrial & Manufacturing Engineering Languange, Linguistic, Communication & Media Law, Crime, Criminology & Criminal Justice Public Health Social Sciences Other

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ALTERNATIF PENGHIMPUNAN PENDANAAN BANK SYARIAH MELALUI PROGRAM WAKAF HASANAH Fazriah, Siti; Sukmadilaga, H.C; Fitri, Indri Yulia

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Show Abstract | Download Original | Original Source | Check in Google Scholar | Full PDF (1028.044 KB) | DOI: 10.31955/mea.v3i3.190

Abstract

Pertumbuhan perbankan syariah dalam lima tahun terakhir ini menunjukan trend yang terus meningkat. Persaingan bisnis yang semakin kompetitif menyebabkan perbankan syariah dituntut harus mampu bersaing dengan perusahaan yang bergerak pada segmen yang sama, tidak terkecuali dengan perbankan konvensional. Dalam persaingannya dengan perbankan konvensional, perbankan syariah dinilai masih kurang kompetitif dalam penentuan pricing. Produk DPK Bank Syariah pada tahun 2018 sebesar Rp341 triliun masih didominasi dana mahal deposito sebesar Rp196 triliun atau sekitar 57%. Hal itu membuat biaya operasional bank menjadi tinggi karena pembiayaan ditopang oleh pendanaan yang bersumber dari dana mahal. Dengan demikian diperlukan inovasi-inovasi agar diperoleh sumber dana murah bagi Bank Syariah agar pricing Bank Syariah lebih kompetitif dan menguntungkan. Salah satu dana murah yang bisa Bank Syariah kelola yaitu dana wakaf uang. Salah satu Bank Syariah yang sudah mulai menghimpun dana wakaf adalah Bank BNI Syariah dengan program Wakaf Hasanah. Dari penelitian terhadap program Wakaf Hasanah yang dilakukan BNI Syariah diperoleh kesimpulan bahwa penghimpunan dana melalui wakaf hasanah lebih profitabel dan efesien bagi unit bisnis dana dibandingkan dengan penghimpunan dana dengan besaran serupa melalui produk tabungan dan deposito, sekalipun nisbah yang diberikan merupakan nisbah paling kecil. Dengan demikian dana Wakaf Hasanah dapat menjadi alternatif penghimpunan pendanaan Bank Syariah.
Potensi Dan Realisasi Wakaf Uang di Indonesia Tahun 2014-2018 Hiyanti, Hida; Afiyana, Indria Fitri; Fazriah, Siti

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Show Abstract | Download Original | Original Source | Check in Google Scholar | Full PDF (386.679 KB) | DOI: 10.31955/mea.v4i1.207

Abstract

Tujuan dari penelitian ini adalah untuk mengetahui potensi wakaf dan juga berapa realisasi atas penghimpunan yang berhasil dihimpun di beberapa Lembaga amal yang menyediakan jasa titipan dana wakaf di Indonesia pada tahun 2014-2018. Penelitian ini menggunakan metode deskriptif kuantitatif yang didukung dengan data-data sekunder dari berbagai sumber. Hasil dari penelitian ini mengungkapkan bahwasanya ada ketimpangan antara jumlah potensi wakaf yang diharapkan dengan realisasi dana wakaf yang berhasil dihimpun. Penyebab ketimpangan ini dikarenakan oleh banyak faktor diantaranya karena seperti masalah kepercayaan dalam mengelola dana, masalah, masalah sumber daya manusia, masalah sistem, unit manajemen wakaf (nazhir) yang masih kurang kompetensinya dalam mengelola wakaf. Solusi dari permasalahan ini bisa dengan melakukan kerjasama antara pihak nadzhir dengan bank Syariah yang mana hal ini sudah dilakukan oleh beberapa bank Syariah di Indonesia.
Analisis Faktor-faktor yang Mempengaruhi Persepsi Wakif dalam Berwakaf melalui Platform Wakaf Hasanah Fazriah, Siti; Sukmadilaga, Citra; Yuliafitri, Indri
Jurnal Maksipreneur Vol 13 No 1 (2023)
Publisher : Universitas Proklamasi 45

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.30588/jmp.v13i1.784

Abstract

The Hasanah Waqf Crowdfunding Platform was created to make it easier for people to have waqf. With the large potential of waqf in Indonesia, the accumulated amount of waqf in Hasanah Waqf is still far from the target. The research objective was to analyze the factors that influence the perception of waqf through the Hasanah Waqf platform using a combination theory of the Technology Acceptance Model (TAM) and Theory of Planned Behavior (TPB) as well as literacy and trust as external factors. The population is all Muslim communities in Indonesia. The sampling technique used non-probability sampling of as many as 369 people. Quantitative research methods with data analysis techniques Structural Equation Modeling-Partial Least Squares (SEM-PLS). The results showed that perceived ease of use has a positive effect on perceived usefulness. Perceived usefulness and perceived ease of use have a positive effect on people's attitudes. However, the attitude towards the Hasanah Waqf platform has a negative effect on the intention to do waqf through the Hasanah Waqf platform. Subjective norms have a positive effect on intention waqf money through the Hasanah Waqf platform. Perceived behavioral control has a negative effect on the intention of waqf through the Hasanah Waqf platform. Literacy and trust have a positive effect on the intention for waqf through the Hasanah Waqf platform. And the intention has a positive effect on the behavior of waqf money through the Hasanah Waqf platform. This research is expected to provide information to increase the collection of cash waqf in Indonesia.
PEMBERDAYAAN USAHA MAKRO MELALUI PENDAMPINGAN PENGELOLAAN KEUANGAN SYARI'AH Pertiwi, Risa Sari; Fazriah, Siti; Hasanudin, Hasanudin; Alputri, Misella; Rudiansyah, Ahmad; Nuralam, Ihsan
Jurnal Pengabdian Pelitabangsa Vol. 4 No. 01 (2023): Jurnal Pengabdian Pelitabangsa April 2023
Publisher : DPPM Universitas Pelita Bangsa

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.37366/jabmas.v4i01.4901

Abstract

Keuangan syariah menawarkan alternatif pembiayaan yang sesuai dengan prinsip-prinsip syariah, seperti pembagian risiko, keadilan, dan transparansi. Produk-produk keuangan syariah seperti mudharabah, musyarakah, dan murabahah dapat menjadi solusi bagi UMKM dalam mendapatkan pembiayaan yang lebih adil dan berkelanjutan. Masih banyak pelaku UMKM yang masih minim pengetahuan dan keterampilan dalam pengelolaan keuangan syariah. Tujuan pengabdian ini ialah memberikan pelatihan kepada para pengusaha makro dalam memberdayakan usahanya melalui pendampingan pengelolaan keuangan syariah. Metode pengabdian yang dilakukan ialah workshop dengan bentuk pelatihan dan praktik. Hasil pengabdian menunjukkan, program pengabdian telah berhasil meningkatkan literasi keuangan syariah di kalangan pelaku usaha makro. Melalui edukasi dan pelatihan yang diberikan, banyak pelaku usaha yang kini lebih memahami prinsip-prinsip keuangan syariah dan bagaimana menerapkannya dalam pengelolaan usaha mereka. Pendampingan yang dilakukan telah membuka akses yang lebih luas bagi pelaku usaha makro ke lembaga keuangan syariah. Kerjasama dengan lembaga-lembaga keuangan syariah dan penyederhanaan birokrasi telah memudahkan pelaku usaha untuk mendapatkan pembiayaan yang sesuai dengan prinsip syariah. Pemberdayaan usaha makro melalui pendampingan pengelolaan keuangan syariah memiliki dampak positif yang signifikan dalam meningkatkan kemampuan dan kesejahteraan pelaku usaha makro
Increasing Student Interest in Reading and Literacy in Cilondong Elementary School Through Village Reading Corners Intansari, Intansari; Rismawati, Neng; Rizky, Hadist; Fazriah, Siti; Satria, Restu; Gus, Risda; Viola, Grisel; Maryam, Siti; Syahlan, Fatra; Nugraha, Derry
Help: Journal of Community Service Vol. 2 No. 1 (2025): June 2025
Publisher : PT Agung Media Publisher

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.62569/hjcs.v2i1.172

Abstract

This study explores how reading corners can increase students’ interest in reading and improve literacy skills at SD Negeri Cilondong, located in Cihanyawar Village, Sukabumi Regency. The reading corners were created as a solution to the lack of reading materials and poor reading environments often found in rural schools. Using the Participatory Action Research (PAR) approach, the study involved 80 students from grades 1 to 6, along with teachers and school staff, in a process of planning, implementing, and evaluating the reading corner activities. Data were collected through questionnaires, reading logs, and group discussions. The reading corners were filled with storybooks, comics, science books, picture books, and folk tales. After several months, the results showed clear improvements: 68.8% of students enjoyed reading more, 75.1% actively used the reading corners, and over 70% showed better reading comprehension, vocabulary, and fluency. Most students visited the corners regularly and many borrowed books to read at home. This study shows that a simple, low-cost reading corner, developed with community involvement, can significantly help improve reading habits and literacy in rural elementary schools.
Community-Based Development of UMKM in Cihanyawar Village: Collaborative Approaches to Packaging, Marketing, and Halal Certification Al-Ghifary, Ariq; Fazriah, Siti; Maulida, Yuniar; Ratu, Mutiara; Meida, Puput; Ivanka, Rika; Hasmi, Syifa; Devi, Sri; Rizki, Muhamad; Nugraha, Derry
Help: Journal of Community Service Vol. 2 No. 1 (2025): June 2025
Publisher : PT Agung Media Publisher

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.62569/hjcs.v2i1.176

Abstract

This community-based development initiative focused on empowering local Micro, Small, and Medium Enterprises (UMKM) in Cihanyawar Village through collaborative strategies targeting three key areas namely packaging improvement, marketing enhancement, and halal certification facilitation. Employing a community-based research (CBR) framework, the program engaged 25 UMKM units spanning food processing, handicrafts, and agricultural products over a six-month intervention period. The initiative involved participatory training sessions, hands-on technical assistance, and sustained mentoring designed and implemented in collaboration with local stakeholders. Mixed-methods evaluation, including structured surveys, in-depth interviews, focus group discussions, and field observations, was conducted to assess outcomes before and after the intervention. Findings indicate substantial progress across all focus areas. Average packaging quality scores improved from 1.8 to 4.1 (127.8% increase), social media adoption reached 84%, and marketing channel diversity expanded by 240%. Halal certification efforts led to a 52% success rate among participating businesses. These outcomes translated into meaningful economic impact, with average monthly revenue rising by 56.6% and customer reach growing by 111.9%. Statistical analysis confirmed the program’s effectiveness (p < 0.001) across key performance indicators. The collaborative and integrated nature of the intervention generated synergistic effects, demonstrating the value of localized, community-based empowerment approaches in strengthening rural UMKM resilience and competitiveness.
TRANSFORMASI UMKM BERBASIS ISLAMIC SOCIOPRENEUR MENUJU DIGITALISASI DAN GLOBALISASI PADA UMKM DESA WARNASARI, KABUPATEN BANDUNG Pramayanti, Dian Ikha; Fazriah, Siti; Sari, Eko Gumaya; Zikri, Arian; Ali, Kurnia Fatimah
JURNAL ABDIMAS PLJ Vol. 5 No. 1 (2025): JURNAL ABDIMAS PLJ, Juli 2025
Publisher : POLITEKNIK LP3I JAKARTA

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.34127/japlj.v5i1.1607

Abstract

This community service activity is carried out to assist and empower the concept of islamic sociopreneurship in warnasari village, bandung regency. This activity aims to improve the ability of UMKM actors tomanage businesses based on islamic value by utilizing digitalization to increase competitiveness and global market reach. Islamic sociopreneurship is a business that is rum with sharia principles that aim to improve community welfare and provide benefits to the surrounding environment. From this acivity, it is hoped that it can create a positive social impact and the approach through islamic sociopreneurship can be an effective solution. With the digitalization of UMKM, UMKM actors have carried out a transformation process from traditional methods to digital technology that can help increase competitiveness and increase wider market reach.
Co-Authors Afiyana, Indria Fitri Al-Ghifary, Ariq Ali, Kurnia Fatimah Alputri, Misella Citra Sukmadilaga Fitri, Indri Yulia Gus, Risda Hasanudin Hasanudin Hasmi, Syifa Hiyanti, Hida Indri Yuliafitri Intansari, Intansari Ivanka, Rika Maulida, Yuniar Meida, Puput Muhamad Rizki Nugraha, Derry Nuralam, Ihsan Pertiwi, Risa Sari Pramayanti, Dian Ikha Ratu, Mutiara Rismawati, Neng Rizky, Hadist Rudiansyah, Ahmad Sari, Eko Gumaya Satria, Restu SITI MARYAM Sri Devi, Sri Sukmadilaga, H.C Syahlan, Fatra Viola, Grisel Zikri, Arian