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All Journal Wikrama Parahita : Jurnal Pengabdian Masyarakat Al-Muzara'ah Tadbir Muwahhid NISBAH: JURNAL PERBANKAN SYARIAH JURNAL SYARIKAH : JURNAL EKONOMI ISLAM QARDHUL HASAN: MEDIA PENGABDIAN KEPADA MASYARAKAT JURNAL PENA EDUKASI Jurnal Iqtisaduna ALMUJTAMAE: Jurnal Pengabdian Masyarakat Journal Islamic Economics Ad Diwan Prosiding Seminar Nasional Pengabdian Kepada Masyarakat Tanfidziya: Journal of Arabic Education Bandung Conference Series : Syariah Banking Jurnal Riset Perbankan Syariah Buletin Pengabdian Journal of Islamic Economic Scholar AL - KAFF: JURNAL SOSIAL HUMANIORA Journal of Indonesian Management Tawazun: Journal of Sharia Economic Law
Imam Abdul Aziz
Universitas Djuanda
Religion Agriculture, Biological Sciences & Forestry Humanities Computer Science & IT Decision Sciences, Operations Research & Management Economics, Econometrics & Finance Education Energy Engineering Environmental Science Industrial & Manufacturing Engineering Languange, Linguistic, Communication & Media Mathematics Public Health Social Sciences Other

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ANALISIS APPROVEMENT NASABAH NON FIXED INCOME PADA PEMBIAYAAN KEPEMILIKAN RUMAH GRIYA Putri, Ade Muliya; Aziz, Imam Abdul; Ibnu, Adi Rahmannur
NISBAH: Jurnal Perbankan Syariah Vol. 9 No. 2 (2023): NISBAH: Jurnal Perbankan Syariah
Publisher : Sharia Banking Study Program, Faculty of Islamic Economics, Djuanda University, Bogor

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.30997/jn.v9i2.10189

Abstract

Permasalahan ketersediaan perumahan mengakibatkan harga jual properti semakin meningkat sehingga pemenuhan atas kebutuhan rumah sangatlah sulit didapatkan oleh kalangan masyarakat yang penghasilannya tidak besar dan terdapat batasan serta pertimbangan yang ditetapkan oleh pihak bank untuk memberikan pembiayaan rumah tersebut kepada nasabah non fixed income. Tujuan penelitian ini untuk mengetahui analisis approvement yang dilakukan oleh Bank Syariah Indonesia terhadap nasabah non fixed income yang ingin mengajukan pembiayaan dengan produk Griya. Jenis penelitian yang digunakan studi kasus dengan pendekatan kualitatif. Teknik pengumpulan data berupa wawancara, observasi, dan dokumentasi. Teknik analisis data menggunakan model Miles dan Huberman yaitu pengumpulan data, reduksi data, penyajian data, dan penarikan kesimpulan. Hasil penelitian menunjukkan bahwa proses approvement bagi nasabah non fixed income di bank syariah dilihat dari segi penghasilan, jenis usaha, dan tanggungan hidup. Status pekerjaan dan penghasilan menjadi tolak ukur bank dalam memberikan pembiayaan. Dalam memberikan pembiayaan pihak bank melakukan analisis sesuai dengan prinsip 5C. Aspek character melalui riwayat hidup, mencari informasi nasabah di lingkungan sekitar tempat tinggal, melakukan bank to bank information. Capacity melalui slip/daftar rincian pendapatan, bidang usaha lain yang dimiliki, tabungan/rekening koran yang berkaitan dengan usaha yang dijalani. Capital dari status kepemilikan rumah yang ditinggali nasabah sebelumnya, jenis transportasi yang dimiliki nasabah. Collateral dilihat dari agunan berupa rumah yang akan dibeli oleh nasabah dengan pinjaman dari bank. Condition of Economy melalui kondisi ekonomi nasabah dari usaha yang dijalankannya dan berapa lama usaha yang sudah berjalan. Sehingga dapat disimpulkan bahwa dari kelima prinsip tersebut yang dominan dijadikan pertimbangan adalah aspek character dan collateral.
PENGUATAN POTENSI EDUWISATA HALAL DAN DAYA SAING PELAKU USAHA MIKRO DI DESA WATES JAYA MELALUI SERTIFIKASI HALAL Sahlan Hasbi; Rifqi Syahlendra; Andri Brawijaya; Imam Abdul Aziz; Adil Muthi Tsani; Alya Amani; Aulia Putri Hidayat; Farra Diba Maulida Malik; Lisda Khoirunisa; Muhammad Najialah; Octaviana Delia Putri; Samsu Karim Sormin
Prosiding Seminar Nasional Pengabdian Kepada Masyarakat Vol. 6 No. 1 (2025): PROSIDING SEMINAR NASIONAL PENGABDIAN KEPADA MASYARAKAT - SNPPM2025
Publisher : Lembaga Penelitian dan Pengabdian kepada Masyarakat Universitas Negeri Jakarta

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Abstract

Abstrak Meskipun UMKM sangat penting untuk perekonomian desa, mereka sering menghadapi masalah seperti kurangnya informasi, akses ke pasar, dan permodalan. Untuk mengatasi masalah ini, program pengabdian masyarakat Desa Watesjaya menggunakan dua pendekatan utama: workshop sertifikasi halal dan penerapan skema pembiayaan partisipatif Getuk Tular yang difasilitasi BUMDES. Workshop halal meningkatkan pemahaman UMKM tentang pentingnya legalitas produk, dan 12 dari 15 UMKM yang berpartisipasi langsung mendaftarkan usaha mereka ke sistem SIHALAL. Sebaliknya, skema Getuk Tular, inovasi pembiayaan berbasis gotong royong, menawarkan akses permodalan yang lebih inklusif bagi UMKM. Integrasi kedua program ini menunjukkan bahwa daya saing UMKM tidak hanya ditentukan kualitas dan jaminan produk, tetapi juga keberlanjutan akses modal usaha. Hasilnya, UMKM Desa Watesjaya meningkatkan kepercayaan dan kepercayaan pelanggan melalui sertifikasi halal dan meningkatkan kapasitas permodalan melalui Getuk Tular. Oleh karena itu, dengan menggabungkan metode sertifikasi halal dan program pembiayaan partisipatif berbasis BUMDES, dapat diciptakan ekosistem pemberdayaan UMKM yang berkelanjutan, kompetitif, dan dapat diterapkan di desa lain. Abstract Although MSMEs are crucial to the village economy, they often face challenges such as a lack of information, market access, and capital. To address these challenges, the Watesjaya Village community service program employed two main approaches: a halal certification workshop and the implementation of the Getuk Tular participatory financing scheme facilitated by the Village-Owned Enterprise (BUMDES). The halal workshop increased MSMEs' understanding of the importance of product legality, and 12 of the 15 participating MSMEs immediately registered their businesses with the SIHALAL system. Conversely, the Getuk Tular scheme, a mutual cooperation-based financing innovation, offers more inclusive access to capital for MSMEs.The integration of these two programs demonstrates that the competitiveness of MSMEs is not only determined by product quality and assurance, but also by sustainable access to business capital. As a result, MSMEs in Watesjaya Village increased customer trust and confidence through halal certification and increased capital capacity through Getuk Tular. Therefore, by combining halal certification methods and a participatory financing program based on BUMDES, a sustainable, competitive MSME empowerment ecosystem can be created that can be applied in other villages.
Penguatan Branding melalui Konten Digital pada UMKM Dery Flower’s dalam Pengolahan Limbah Plastik Fauziah, Fitria Ramadhani; Munawar, Wildan; Kurnia, Tuti; Aziz, Imam Abdul; Latifah, Zahra Khusnul
ALMUJTAMAE: Jurnal Pengabdian Masyarakat Vol. 5 No. 3 (2025): Desember
Publisher : Universitas Djuanda Bogor

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.30997/almujtamae.v5i3.21545

Abstract

Transformasi paradigma pemasaran digital mengharuskan UMKM mengadaptasi strategi komunikasi berbasis konten untuk meningkatkan daya saing dalam era ekonomi hijau. Kegiatan Pengabdian ini bertujuan menganalisis efektivitas penguatan branding melalui konten digital pada UMKM Dery Flower's yang bergerak dalam pengolahan limbah plastik menjadi produk bunga hias bernilai ekonomis. Metode pelaksanaan meliputi tiga tahapan sistematis: pembangunan kapasitas melalui edukasi komprehensif strategi pemasaran digital dan manajemen operasional, produksi dan demonstrasi konten multimedia berkualitas tinggi, serta pemantauan dan evaluasi menggunakan analisis metrik kuantitatif engagement rate periode September-Desember dengan pendekatan campuran. Hasil kegiatan menunjukkan peningkatan signifikan engagement rate pada seluruh platform media sosial: Instagram dari 2,5% menjadi 10%, TikTok dari 11% menjadi 41,6%, Facebook dari 3,75% menjadi 8%, dan YouTube Shorts dari 6,25% menjadi 62,5%. Transformasi ini berdampak langsung pada peningkatan visibilitas produk berkelanjutan, perubahan persepsi konsumen positif terhadap produk daur ulang, penguatan positioning sebagai UMKM berkelanjutan, dan pembentukan loyalitas merek berdasarkan nilai lingkungan. Simpulan menunjukkan bahwa konsistensi konten berkualitas, optimalisasi visual profesional, dan komunikasi nilai keberlanjutan menjadi faktor kunci keberhasilan strategi branding digital UMKM sektor ekonomi hijau dengan dampak transformatif terhadap pola pikir kewirausahaan.
PENGARUH KONTEN DIGITAL DAN PUBLIK FIGUR TERHADAP PERILAKU KONSUMTIF MUSLIM DI JABODETABEK Fadhilah, Nur; Pangestu, R. Ali; Abdul Aziz, Imam
AL - KAFF: JURNAL SOSIAL HUMANIORA Vol. 3 No. 6 (2025): AL-KAFF: Jurnal Sosial Humaniora
Publisher : Fakultas Agama Islam dan Pendidikan Guru

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.30997/al-kaff.v3i6.21467

Abstract

Perkembangan teknologi yang semakin pesat, banyak mempengaruhi berbagai aspek dalam kehidupan. Salah satunya adalah pola konsumsi masyarakat dalam menggunakan suatu produk atau jasa, yang terpengaruh dengan adanya media sosial. Adanya paparan konten digital di berbagai platform media sosial dan peran publik figur yang berpengaruh terhadap audiens, akan mendorong terbentuknya perilaku konsumtif khususnya bagi generasi muda di wilayah urban. Penelitian ini bertujuan untuk mengetahui pengaruh konten digital dan publik figur terhadap perilaku konsumtif Muslim di Jabodetabek. Menggunakan metode penelitian kuantitatif dengan metode survei, melalui kuisioner yang disebarkan ke responden muslim di Jabodetabek, dengan jumlah 130 sampel. Analisis data dengan metode regresi logistik, diolah menggunakan aplikasi statistik spss. Hasil penelitian menunjukkan bahwa variabel konten digital tidak terlalu berpengaruh signifikan terhadap perilaku konsumtif Muslim di Jabodetabek. Lalu pada variabel publik figur memiliki pengaruh yang signifikan terhadap perilaku konsumtif. Secara simultan, konten digital dan publik figur berpengaruh positif dan signifikan terhadap perilaku konsumtif Muslim di Jabodetabek. Kesimpulan dari penelitian ini adalah bahwa semakin intens paparan konten digital dan semakin kuat pengaruh publik figur, maka semakin tinggi pula kecenderungan perilaku konsumtif di kalangan Muslim Jabodetabek.
Management, Empowerment, and Islamic Welfare: Evidence from Livestock Productive Waqf at Al-Azhar Institution Indonesia Siti Zuraedah Rahmah; Wildan Munawar; Imam Abdul Aziz; Adi Rahmannur Ibnu
AL-MUZARA'AH Vol. 13 No. 2 (2025): AL-MUZARA'AH (December 2025)
Publisher : Department of Islamic Economics, IPB University

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.29244/jam.13.2.285-296

Abstract

Productive waqf has become a means to improve community welfare through various economic-based programs. This is inseparable from the role of waqf fund management by professional Nazir, accompanied by community empowerment. Al-Azhar Indonesia's livestock waqf program has shown good management and empowerment results, but it has not been clearly illustrated how much the influence of productive waqf management and empowerment on the welfare of mauquf 'alaih, especially measured in spiritual welfare or maqashid sharia. This study aims to prove that productive waqf management and empowerment affect the Islamic welfare through the livestock waqf program at the Al-Azhar Indonesia Institute. The research method uses descriptive quantitative methods with data collection methods through distributing questionnaires and interviews. The data analysis technique uses the Partial Least Square-Structural Equation Model (PLS-SEM) with Smart PLS software version 4. The results showed that the management and empowerment of productive waqf positively and significantly affected the Islamic welfare. The livestock waqf program run by the Al-Azhar Indonesia Institute can significantly improve material and spiritual welfare with the level of influence of management on the Islamic welfare of 0.333 or 33.3% while the level of influence of empowerment on the Islamic welfare is 0.617 or 61.7%. The level of welfare achieved during the livestock waqf program is seen in increasing income, worship, fulfilling primary needs, knowledge and skills, as well as health and education.
Analysis of Procedures for Procurement of Imported Accessories Products at PT DUA MALAIKAT Adnen Bait Sabila; Imam Abdul Aziz; Hermawan Hermawan; Raka Imam Rachmawan; R. Arya Rahmadiyatmaka; Rismaya Rismaya; Reni Sulastri; Ricky Firmansyah
Journal of Indonesian Management Vol. 3 No. 2 (2023): June
Publisher : Penerbit Jurnal Indonesia

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.53697/jim.v3i2.1254

Abstract

This study aims to qualitatively analyze the import procurement procedure in Company PT. DUA MALAIKAT. The research method used is a case study by collecting data from interviews with five respondents involved in the import procurement process. The results show that the import procurement process in Company PT. DUA MALAIKAT consists of several stages, namely determining needs, searching for suppliers, negotiating prices and contracts, verifying suppliers, payment and delivery, quality inspection, as well as receiving and storing goods. This study also found several challenges in the import procurement process, such as difficulties in determining the quality of imported products and issues related to international trade regulations. Therefore, Company PT. DUA MALAIKAT needs to improve import procurement management and collaborate with international trade experts to ensure an effective and efficient import procurement procedure.
Land survey assistance and its potential for the provision of sustainable agricultural land in East Barito District [Pendampingan survei lahan dan potensinya untuk penyediaan lahan pertanian berkelanjutan di Kabupaten Barito Timur] S Saijo; S Septian; Imam Abdul Aziz
Buletin Pengabdian Bulletin of Community Services Vol 4, No 3 (2024): Bull. Community. Serv.
Publisher : The Institute for Research and Community Services (LPPM) Universitas Syiah Kuala (USK)

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.24815/bulpen.v4i4.42493

Abstract

The conversion of rice paddy fields into oil palm plantations and mining sites in East Barito Regency, Central Kalimantan, poses a significant threat to the sustainability of agriculture. If this trend continues, the availability of land suitable for farming will decline. This study aims to assist local communities in the identification and management of sustainable agricultural land. The activities were conducted in Wuran Village, Karusen District, East Barito Regency, Central Kalimantan, from July to August 2024. The methods employed in this community service include interviews and assistance in soil suitability surveys as well as analysis of nutrient content at the site. Interview results indicate that 90% of respondents found the program beneficial. Soil surveys, analyzed with pH as a primary indicator, revealed a low pH of 4.5, necessitating interventions to raise it closer to the neutral pH of 6. Efforts undertaken include improving water management through the construction of bunds and the application of lime. Nutrient analysis showed that nitrogen (N), phosphorus (P), and potassium (K) levels were categorized as moderate to low. To enhance land productivity, it is recommended to increase doses of urea, SP-36, and KCl according to guidelines, along with the application of organic amendments such as straw. In conclusion, the enthusiasm of the community for the assistance provided indicates the potential for sustainable agricultural practices on their land. The findings of this study are expected to serve as a reference for the development of more sustainable agricultural strategies in the region.
Peran Lembaga Alternatif Penyelesaian Sengketa Perbankan Indonesia (LAPSPI) dalam Penyelesaian Sengketa Pembiayaan di Bank Syariah Ramadhani, Tengku Rahmah; Brawijaya, Andri; Aziz, Imam Abdul
TAWAZUN: Journal of Sharia Economic Law Vol 4, No 1 (2021): Tawazun: Journal of Sharia Economic Law
Publisher : Sharia Faculty Islamic Economic Law Study Department

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.21043/tawazun.v4i1.8996

Abstract

The purpose of this study was to determine the Role of the Indonesian Banking Dispute Resolution Alternative Institution (LAPSPI) in Financing Dispute Resolution at Islamic Banks and the dispute settlement process at LAPSPI. The method used is a qualitative descriptive method using content analysis. The data sources used are primary data and secondary data. Based on the results of research related to the role of the Indonesian Banking Dispute Resolution Alternative Institution (LAPSPI), it cannot be used as the main choice in assisting the settlement of problematic financing disputes because it does not have executive power and the decision is a peace agreement. The settlement process at LAPSPI is divided into 3 (three), namely mediation, adjudication and arbitration
Co-Authors Abdul Kholik Adi Rahmannur Ibnu Adi Rahmannur Ibnu Adil Muthi Tsani Adnen Bait Sabila Afiatin Dewi Agung Muttaqien Agus Mulyana Aldi Wijaya Aldi Wijaya Alya Amani Andri Brawijaya Asri Seftianti Aulia Putri Hidayat Ba’dana, Fatulloh Nur Chailis, Irwan Citra Lestari, Ghefira Danika, Disty Cahya Didin Syamsuddin Ega Trisna Rahayu Farra Diba Maulida Malik Fauziah, Fitria Ramadhani Febriyanti Cahyaningtias Firmasyah, Ilham Harvenes Chandra Hermawan Hermawan Irda Febriani Jannah, Rifa Ul Junaidi Junaidi Khoer, Miftahul KHOIRUNNISA Komarudin Agung Suhara Kurnia, Tuti Kurnia, Tuti Latifah, Zahra Khusnul Lilis Fauziah Balgis Lisda Khoirunisa Ma'mun, Muhammad Sukron Maulana Syarif Maya Apriana Maya Apriyana Metti Paramita Muhamad Komarudin Muhammad Amin Muhammad Najialah Mujahidah, Khansa Hanifah Nur Fadhilah Nur Hidayah Agustin Nurhidayah Agustin Nurika, Yeni Nurwahidin Nurwahidin Nyntyas Nurul Inayah Octaviana Delia Putri Pangestu, R. Ali Putri, Ade Muliya R. Arya Rahmadiyatmaka Raka Imam Rachmawan Ramadhani, Tengku Rahmah Ramadhanti, Anisa Reni Sulastri Reza, Bagas Ali Ricky Firmansyah Rifqi Syahlendra Rismaya Rismaya Rizaldi, Muhammad Rizki Umar Ali Rizki Umar Ali Romi Apriliansyah Romi Apriliansyah S Saijo S Septian Sahlan Hasbi Samsu Karim Sormin Siti Nurhaliza Siti Nurhasanah Siti Saadah Siti Zuraedah Rahmah Sopiandi, Muhammad Dani Tengku Rahmah Ramadhani Tuti Kurnia Umi Kulsum, Siti Widiaty, Retno Wildan Munawar Wildan Munawar Yulia, Eva Yunita Rahayu Zahra Khusnul Lathifah Zuraedah Rahmah, Siti