Articles
<![CDATA[Grow Up Branding Assistance: Improving the Business Competition System of MSME Local Tempe Products in Ponorogo ]]>
<![CDATA[Aziz Kurniawan]]>;
<![CDATA[Nizomul Mulki]]>;
<![CDATA[Muhammad Fajar Hamijar]]>;
<![CDATA[May Shinta Retnowati]]>
<![CDATA[ Karunia: Jurnal Hasil Pengabdian Masyarakat Indonesia Vol. 4 No. 1 (2025): Jurnal Hasil Pengabdian Masyarakat Indonesia ]]>
Publisher : <![CDATA[Fakultas Teknik Universitas Maritim AMNI Semarang ]]>
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DOI: 10.58192/karunia.v4i1.3172
<![CDATA[Ponorogo is one of the areas where the majority of people like to consume tempe. Tempe is a local product dish that is favorite of the Ponorogo People. The village of Bangunrejo is one of the villages where many of its residents produce tempe, one of which is Mr. Aji's “Tempe Balap”. Tempe balap still maintains the quality of tempe with a leaf wrapping system, but thus the branding of Tempe Balap is not known by many people. The mentoring program carried out by the service team is aimed at helping the people of Bangunrejo Village in improving MSMEs and improving the quality of sales and competitiveness of the community. The method used is Environmental Scanning (ES) with a Thematic approach. The existence of ES as a management strategy so that it can optimize the potential possessed by partners. The intended partners in this program are Tempe MSMEs in Bangunrejo Village. The results of the mentoring carried out during this program show that the potential possessed by Tempe Balap can be optimized by introducing products massively to the public through the existing product growth up branding so that it has an impact on increasing purchases after the presence of branding labels in tempeh packaging. From this stage of service, strategic factors can emerge to develop the potential of local tempe products, as well as the results of monitoring and evaluation are able to bring out a significant development impact of the profits obtained by Tempe Balap MSMEs.]]>
<![CDATA[Relevance of Compliance on Islamic Law by The Construction of MUI DSN Fatwa on MurÄbahah Financing Products at BMT Khasanah Tawang, Weru ]]>
<![CDATA[May Shinta Retnowati]]>;
<![CDATA[Inaiyaya Zuhrifa Allhumahira]]>
<![CDATA[ e-Journal Ekonomi Bisnis dan Akuntansi Vol. 10 No. 1 (2023): e-JEBA Volume 10 Number 1 Year 2023 ]]>
Publisher : <![CDATA[UPT Penerbitan Universitas Jember ]]>
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DOI: 10.19184/ejeba.v10i1.36885
<![CDATA[MurÄbahah is one of the financing products at BMT Khasanah Tawang, Weru Sragen that is most in demand by customers or the public. Basically there are no ribawi provisions from the profits of murabahah transactions. The concept of murabaha contract transactions is more transparent, because murabaha schemes in financial institutions are required to notify customers about price objects or products and agree on the benefits received by the institution. So transactions must be carried out in a trustworthy and honest manner. In Murabahah there are conditions that must be met by financial institutions in Indonesia. According to DSN MUI Fatwa No. 04/DSN-MUI/IV/2000, the first provision of article no 5 that banks buy goods needed by customers on behalf of their own banks, and these purchases must be lawful and free of usury, in other words the bank must first purchase goods or assets ordered by customers legally and free from usury. And in the DSN-MUI fatwa number 17/DSN-MUI/IX/2000, it has been explained in the first decree no. 2 that customers who are unable or unable to pay due to force majeure may not be subject to sanctions. Problems at BMT Khasanah Weru are customers who use capital financing for personal needs. The method used in this research is descriptive qualitative, data collection is done by means of interviews, documentation and observation. The results of the research on the application of MurÄbahahat BMT Khasanah Tawang, Weru the application of Murabahah financing products is in accordance with DSN MUI fatwa No. 04/DSN-MUI/IV/2000 and DSN-MUI fatwa number 17/DSN-MUI/IX/2000. BMT Khasanah Tawang addresses the problems of customers who use capital financing to buy personal needs with several evaluations.]]>
<![CDATA[Dynamics of Islamic Pesantren: Digital Marketing Strategy Model on the Existence of Santripreneur Roles: Dinamika Pesantren: Model Strategi Digital Marketing Pada Eksistensi Peran Santripreneur ]]>
<![CDATA[Retnowati, May Shinta]]>;
<![CDATA[Qoharuddin, Moch. Azis]]>;
<![CDATA[Yusuf, M. Asror]]>;
<![CDATA[Humaidi, Anis]]>
<![CDATA[ Benefits : Jurnal Ekonomi dan Pariwisata Internasional Vol 2 No 2 (2025): Inovasi dan Pengembangan Strategis: Meningkatkan Ekosistem Kewirausahaan dan Pemb ]]>
Publisher : <![CDATA[Yayasan Penelitian dan Pengabdian Masyarakat Sisi indonesia ]]>
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DOI: 10.69836/benefits-jeti.v2i2.363
<![CDATA[Pesantren today not only serve as institutions for Islamic education, but also play a role in the aspects of community life. Santripreneur has become one of the roles of santri in the economic independence of pesantren, with digital marketing being one of the distinguishing features of the typical muamalah of santri with society in general.The purpose of this research is to explore the role of Santris in addressing the challenges of the digital world, particularly in the aspect of digital marketing which has become one of the sources of income for the Santris with the pesantren strategy model. This research method uses a qualitative approach with descriptive analysis. Data obtained from interviews with religious leaders, instructors, and students. The results of this study show the efforts of pesantren in shaping santripreneurs who carry out digital marketing, activities that embody the spirit of the pesantren. The spirit of the pesantren is the identity of the santri who continue to uphold the values of the pesantren, indicating a significant dynamic within the pesantren regarding the existence of santri who are capable of engaging in digital business aspects, particularly in marketing. The marketing strategy of the santri optimizes the digital competencies possessed by the santri that are inherent to the pesantren, focusing on optimizing marketing content on social media and e-commerce.]]>
<![CDATA[Reintrepetation of Muhammad Syahrur's Limitation Theory on the Development of Islamic Economics ]]>
<![CDATA[Retnowati, May Shinta]]>;
<![CDATA[Dimyati Huda, Muhammad]]>;
<![CDATA[Abd.Rahman, Zayyad]]>
<![CDATA[ Qawanin: Jurnal of Economic Syaria Law Vol 9 No 1 (2025): June ]]>
Publisher : <![CDATA[Fakultas Syariah IAIN Kediri ]]>
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DOI: 10.30762/qaw.v9i1.688
<![CDATA[The development of the Sharia economy and the financial system has increased, the amount of increase in the conventional economic sector is still the prima donna of the community, this is evidenced by the level of Sharia economic development which is still growing at 10% in the quarter of 2024. This is a big challenge for the existence of the Sharia Economy, because the community still views that the Sharia economic system is not flexible with what is needed by the community. In this study, the potential of Sharia economics is initiated that can be applied in accordance with the development of the times and anywhere according to the concept of Muhammad Syahrur's thought. The results of Muhamad Syahrur's thinking show that the limitation theory is able to offer an innovative and flexible approach regardless of Islamic principles and wise ethics to be an aspect of prudence so as not to sacrifice ethical and moral goals in muamalah activities. This study reveals Muhammad Syahru's thinking pattern literally from the limitations or hudud that is applied in the study of the field of Sharia economics. The results of Muhamad Syahrur's thinking show that the limitation theory is able to offer an innovative and flexible approach regardless of Islamic principles and wise ethics to be an aspect of prudence so as not to sacrifice ethical and moral goals in muamalah activities.]]>
<![CDATA[Analysis of Sharia Compliance on the Application of Reputational Risk in Service Marketing at Dompet Dhuafa ]]>
<![CDATA[Retnowati, May Shinta]]>;
<![CDATA[Silvi Kusumastuti, Annisa]]>;
<![CDATA[Al-Huzwah, Fatya Zahwa]]>
<![CDATA[ ZISWAF ASFA Vol 3 No 2 (2025): ZISWAF ASFA Journal (October 2025) ]]>
Publisher : <![CDATA[ASFA Foundation ]]>
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DOI: 10.69948/ziswaf.27
<![CDATA[Risk management is a crucial aspect in maintaining the stability and reputation of non-bank Islamic financial institutions. This research focuses on the implementation of risk management, particularly related to reputation and donors, at Dompet Dhuafa East Java. This study employs a qualitative methodology using case study techniques to investigate how dompet dhuafa manages risk in order to minimize potential hazards that can harm the organization’s standing and donors’ confidence. The research results show that Dompet Dhuafa has undertaken several initiatives to identify, evaluate, and control risks, including the development of better monitoring procedures and reporting systems. However, challenges still arise in measuring the effectiveness of risk management, particularly in relation to reputation and donor satisfaction indicators. This research highlights the importance of enhancing leadership roles in building a strong risk awareness culture throughout the organization, as well as the need to refine the risk management framework to better align with the characteristics of Islamic financial institutions. This finding is expected to contribute to the development of more optimal risk management practices in non- bank Islamic financial institutions.]]>
<![CDATA[Economic Strategy Formulation in Recession Determination through the Role of Digital Economy: (Study on MSMEs in Tangerang Regency) ]]>
<![CDATA[Prasanti, Noviana]]>;
<![CDATA[retnowati, may shinta]]>;
<![CDATA[Daniswara, Aliyya Lathifa]]>
<![CDATA[ Journal of Sharia Economic Law Vol. 1 No. 2 (2023) ]]>
Publisher : <![CDATA[Institut Agama Islam Sunan Giri Ponorogo ]]>
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DOI: 10.37680/jshel.v1i2.4033
<![CDATA[The whole world, including Indonesia, is predicted to experience another global recession that will occur in 2023. This is supported by inflation and increases in benchmark interest rates since the end of 2022 by worldwide Central Banks simultaneously as well as food and oil and gas prices that continue to soar. In response to this, the government has entrusted the Indonesian economy to MSMEs which are considered capable of being the pillars of the country's economy, in which MSMEs have been proven to be able to survive various kinds of economic shocks such as facing a recession in previous years. This research will examine how MSME actors, especially in the Tangerang Regency area, will prepare solutions to deal with and continue to develop in the 2023 recession issue.]]>
<![CDATA[Pendampingan Pembelajaran Makhorijul Huruf Pada Siswa SDN 2 Klepu, Sawo, Ponorogo ]]>
<![CDATA[Retnowati, May Shinta]]>;
<![CDATA[Naufal, Muhammad Zaky]]>;
<![CDATA[Sujatmiko, Muhammad]]>
<![CDATA[ Welfare : Jurnal Pengabdian Masyarakat Vol. 1 No. 2 (2023): Welfare : June 2023 ]]>
Publisher : <![CDATA[Fakultas Ekonomi dan Bisnis Islam, IAIN Kediri ]]>
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DOI: 10.30762/welfare.v1i2.518
<![CDATA[Community service activities are training and mentoring in an effort to improve the performance of reading the Qur'an for students of SDN 02 Klepu. This assistance aims to keep oral from errors in reading the Quran, the lack of Quran reading skills possessed by SDN 02 Klepu students is targeted in this PPM activity. This is one of the most important problems because this institution is an institution based on Islamic values so that the skill of reading the Qur'an is a basic ability that must be possessed by students of SDN 2 Klepu Kec. Soko Kab. Ponorogo. This mentoring program was attended by around 46 students and students, while the implementation consisted of several stages on the concept of makarijul letters in reading the Qur'an. This assistance lasts for 3 days from April 4 to 6, 2023. The results of this service show that the ability to read the Quran possessed by SDN 02 Klepu students has increased.]]>
<![CDATA[OPTIMALISASI MANAJEMEN KEUANGAN BERBASIS DIGITAL SI APIK SEBAGAI PENINGKATAN MUTU UMKM ]]>
<![CDATA[Retnowati, May Shinta]]>;
<![CDATA[Kusumastuti, Anisa Silvi]]>;
<![CDATA[Rafifahnur, Nisrina]]>
<![CDATA[ ANALISIS Vol. 14 No. 01 (2024): ANALISIS VOL. 14 NO. 01 TAHUN 2024 ]]>
Publisher : <![CDATA[FACULTY OF ECONOMICS AND BUSINESS FLORES UNIVERSITY ]]>
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DOI: 10.37478/als.v14i01.3747
<![CDATA[Micro, small and medium enterprises (MSMEs) are one of the drivers of the Indonesian economy. Along with the times and technology, it causes business actors to develop more in all respects, especially finance. One of the most important parts of a business is good financial records. Business actors who do not have neat and correct finances will experience a little difficulty in applying for capital or credit to banks. The lack of education and understanding they have can also be one of the causes. With this problem in mind, the government collaborated with Bank Indonesia to create a financial recording application to assist business actors in reporting their finances, namely the Si Apik application. The purpose of this writing is to find out how Si Apik's role is in optimizing the MSME financial administration so that they can have neat financial reports. The method used is to use a literature review from various sources that examines the understanding of the Si Apik application utilization. The results of the research show that preparedness has an important role in the development of MSME financial accounting literacy. However, the lack of public understanding of this application causes few users. With this, there must be socialization and training that must be carried out by the government and parties who already know how to use the Si Apik application]]>
<![CDATA[The Implementation of Profit Sharing on Fathonah Education Savings Products at BMT NU Kapongan Situbondo Branch, East Java, Indonesia ]]>
<![CDATA[May Shinta Retnowati]]>;
<![CDATA[Fadhila Sukur Indra]]>;
<![CDATA[Yeni Zannuba Arifah]]>;
<![CDATA[Devid Frastiawan Amir Sup]]>
<![CDATA[ JOURNAL OF SHARIA ECONOMICS Vol. 4 No. 1 (2022): Journal of Sharia Economics ]]>
Publisher : <![CDATA[Program Studi Ekonomi Syariah, Fakultas Ekonomi dan Bisnis Islam, Universitas Al Hikmah Indonesia ]]>
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DOI: 10.35896/jse.v4i1.273
<![CDATA[Baitul Maal wa Tamwil (BMT) is a form of simple Islamic financial institution. BMT in its operational system carries out business and social activities. BMT NU Kapongan Situbondo branch is one of the BMT institutions, the application of its activities to the business sector (tamwil) can be in the form of savings or deposits and also financing activities are always based on sharia compliance, especially in funding or deposit activities at BMT NU Kapongan Situbondo branch. As for the profit sharing that will be obtained by the customer in the form of automatic money, the customer does not know for sure the amount of profit obtained from the contract. This study aims to analyze the implementation and determination of profit sharing in the mudharabah muthlaqah contract in the fathonah education savings product of BMT NU Kapongan Situbondo branch. The research method used in this study is a qualitative descriptive method. The results of the study explain that the implementation of fathonah education savings is in accordance with sharia principles in terms of fulfillment rather than contracts, this can be proven by the owner of capital giving freedom to mudharib (BMT). However, the distribution of the profit sharing ratio is not fixed because there are several things, including the small number of customers who collect their funds in fathonah education savings products and the small profit income from managed capital, causing the context of determining the profit sharing ratio not in accordance with the specified contract.]]>
<![CDATA[Combining Marketing Strategy Of Word Of Mouth And Mix: The Existence Of Home Businesses Kembang Rose ]]>
<![CDATA[Retnowati, May Shinta]]>
<![CDATA[ Benefits : Jurnal Ekonomi dan Pariwisata Internasional Vol 3 No 1 (2026): Integrasi Ekonomi Pariwisata dan Social Finance dalam Mendorong Pembangunan Berke ]]>
Publisher : <![CDATA[Yayasan Penelitian dan Pengabdian Masyarakat Sisi indonesia ]]>
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DOI: 10.69836/benefits-jeti.v3i1.742
<![CDATA[A home-based business (Home Industry) is a type of enterprise that operates mainly from home, often started with limited capital and offering time flexibility as well as lower operational costs, covering various sectors such as culinary, digital services, crafts, and online trade, making it a popular solution for SMEs to add income or become a primary source of income. The home Industry rose flower industry is a local product that has become an icon of a certain area. This product has its own appeal, such as uniqueness linked to the area and a marker for those who have visited that region. In order for the product to be known, there is an important role for strategies in introducing the product. The purpose of this research is to present strategies that are commonly used. This study uses qualitative research by conducting interviews and questionnaires with an in-depth Likert scale, and the analysis used is descriptive statistics. The results of this study indicate that WOM strategies and the marketing mix serve as a combination in carrying out marketing strategies so that products can be recognized by a wide range of audiences. This research has proven that this combination successfully makes the product widely known (brand awareness). Future research may test the combination of WOM and the marketing mix that shows the right and effective measures in driving the audience to the purchase decision stage (conversion) or even brand loyalty.]]>
