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All Journal IJTIHAD Veteran Law Review JESI (Jurnal Ekonomi Syariah Indonesia) Al-Iqtishadiyah: Ekonomi Syariah dan Hukum Ekonomi Syariah Jurnal Abdimas PHB : Jurnal Pengabdian Masyarakat Progresif Humanis Brainstorming Al Ahkam Kumawula: Jurnal Pengabdian Kepada Masyarakat AT-TASYRI' Jurnal Ilmiah Prodi Muamalah ANALISIS - SCIENTIFIC JOURNAL OF ECONOMICS, MANAGEMENT, BUSINESS, AND ACCOUNTING JES (Jurnal Ekonomi Syariah MUAMALATUNA Al-Mizan : Jurnal Hukum dan Ekonomi Islam AL-FALAH : Journal of Islamic Economics At-Tasyri Jurnal Hukum Islam dan Ekonomi Syariah Journal of Community Practice and Social Welfare (JaCiPS) Ta’wiluna: Jurnal Ilmu Al-Qur’an,Tafsirdan Pemikiran Islam Educate: Journal of Community Service in Education FENOMENA: Jurnal Penelitian Qawanin: Journal of Economic Syaria Law Alhamra Jurnal Studi Islam AHKAM : Jurnal Hukum Islam dan Humaniora Abadi: Jurnal Ahmad Dahlan Mengabdi Jurnal Pengabdian Masyarakat Bangsa Pamasa: Jurnal Pengabdian kepada Masyarakat Karunia: Jurnal Hasil Pengabdian Masyarakat Indonesia FENOMENA: Journal of Social Science Journal of International Multidisciplinary Research Jurnal Hukum Islam Ziswaf Asfa Journal Journal of Economics, Bussiness and Management Issues Journal of Sharia Economic Law Journal of Aswaja and Islamic Economics KOPEMAS Besari: Journal of Social and Cultural Studies Journal of Economics and Tourism Welfare: Jurnal Pengabdian Masyarakat eJEBA The Indonesian Journal of Islamic Economics Research Journal of Shariah Economics
Retnowati, May Shinta
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OPTIMALISASI MANAJEMEN KEUANGAN BERBASIS DIGITAL SI APIK SEBAGAI PENINGKATAN MUTU UMKM Retnowati, May Shinta; Kusumastuti, Anisa Silvi; Rafifahnur, Nisrina
ANALISIS Vol. 14 No. 01 (2024): ANALISIS VOL. 14 NO. 01 TAHUN 2024
Publisher : FACULTY OF ECONOMICS AND BUSINESS FLORES UNIVERSITY

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.37478/als.v14i01.3747

Abstract

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
Digitalpreneur: Realizing of Santripreuneur's Competence in an Independent and Sustainable Economy: Realizing of Santripreuneur's Competence in an Independent and Sustainable Economy Retnowati, May Shinta; Al Faruqi , Musta’an
AL-FALAH : Journal of Islamic Economics Vol. 2 No. 10 (2025)
Publisher : Institut Agama Islam Negeri (IAIN) Curup

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.29240/alfalah.v2i10.14672

Abstract

Purpose: This study aims to existence of santri competence on entrepreneurship at Pesantren or describe santris to be able to compete in the creative economy and make optimal use of digital potential in Pesantrens through digitalpreneurship as a solution to overcome the challenges of the digital technology era. This research focuses on the challenges of Pesantrens in the era of the Industrial Revolution 5.0, including adaptation to digital technology in the face of rapid social and economic changes so that Pesantrens are able to develop creative economy models to support economic independence and sustainability. Design/Method/Approach : The research method used is qualitative. This research obtained data from interviews, observations, and documentation activities sourced from ustadz and santri of Pesantren Cahaya Langit Digital. The data was analyzed descriptively with a grounded theory approach. Findings: Cahaya Langit Digital Pesantren is a pesantren that provides free education for the community. The santris have the competencies of tahfidz, digitalpreneur, and madin (teachers in Qur'an Education for children) around the Pesantren. The competence of santris as digitalpreneurs is a form of success for santris in being economically independent.Originality/Values: The social and economic challenges of Pesantrens in the industrial revolution 5.0 include adaptation to technological changes, the development of santris' digital skills, and creative resource management through programs that are digital skills of santris and can compete in society so that santris and Pesantrens can be economically independent which can provide sustainable economic impact for the community
The Implementation of Profit Sharing on Fathonah Education Savings Products at BMT NU Kapongan Situbondo Branch, East Java, Indonesia May Shinta Retnowati; Fadhila Sukur Indra; Yeni Zannuba Arifah; Devid Frastiawan Amir Sup
JOURNAL OF SHARIA ECONOMICS Vol. 4 No. 1 (2022): Journal of Sharia Economics
Publisher : Program Studi Ekonomi Syariah, Fakultas Ekonomi dan Bisnis Islam, Universitas Al Hikmah Indonesia

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.35896/jse.v4i1.273

Abstract

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.
Combining Marketing Strategy Of Word Of Mouth And Mix: The Existence Of Home Businesses Kembang Rose Retnowati, May Shinta
Benefits : Jurnal Ekonomi dan Pariwisata Internasional Vol 3 No 1 (2026): Integrasi Ekonomi Pariwisata dan Social Finance dalam Mendorong Pembangunan Berke
Publisher : Yayasan Penelitian dan Pengabdian Masyarakat Sisi indonesia

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.69836/benefits-jeti.v3i1.742

Abstract

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.
Strengthening the halal supply chain ecosystem in business unit of pesantren Retnowati, May Shinta; Rusli, Lathiefa; Aziz, Muhammad Abdul; al Faruqi, Musta’an; Pratama, Agma Arjuna Rizky
Indonesian Journal of Islamic Economics Research Vol. 7 No. 1 (2025)
Publisher : Faculty of Islamic Economics and Business UIN Salatiga

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.18326/ijier.v7i1.2134

Abstract

To fulfill the halal needs of consumers or the community of Pesantren, the implementation of a Halal Supply Chain in every product is very important. Moreover, in boarding schools that offer various business units, a halal supply chain can be applied to create a halal ecosystem to foster better social change. This study is a qualitative study with a comparative approach on the objects of Darussalam Drinking Water (AMIDAS) and Khizanah Bakery (Manufacturing) and Gambia Market (Retail/Distributor), which are business units of Pondok Modern Darussalam Gontor.. The results of this study indicate that the supply chain in the PMDG business unit has been well implemented. Meanwhile, halal supply chain activities are divided into three; first, halal supply chain resources include organization, information management, physical separation, and Islamic human resources. Second, halal supply chain business processes are halal manufacturing and halal logistics. Third, the halal supply chain network for Amidas and Khizanah Gontor Bakery as producers sources materials from manufacturers, produces goods, stores them in warehouses, and distributes them to retailers, sub-retailers, and so on. Gambia as a distributor receives products from producers according to halal standards and then provides them to customers. All halal supply chain activities have been carried out in accordance with Islamic principles.
Analysis of Ta'zir Crimes on Decision No. 75/Pid.Sus TPK/2023/PN Jkt.Pst Concerning the Crime of Money Laundering Fajar Satriyawan Wahyudi; Muhammad Irkham Firdaus; May Shinta Retnowati; Ainun Amalia Zuhroh
AHKAM Vol 5 No 1 (2026): MARET
Publisher : Lembaga Yasin AlSys

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.58578/ahkam.v5i1.8919

Abstract

Corruption in the taxation sector, as reflected in Decision Number 75/Pid.Sus-TPK/2023/PN Jkt.Pst, constitutes an economic crime with systemic impacts that threatens the stability of state finances, in line with the increasing number of corruption cases as indicated by Indonesia’s corruption perception index score and its global ranking. This study aimed to analyze the criminal act of tax corruption in the aforementioned decision and to examine it from the perspective of Islamic criminal law, with a focus on the concept of jarimah taʿzīr. The research employed a qualitative method with a normative juridical approach, based on primary legal materials in the form of an analysis of the court decision and secondary legal materials in the form of books, journals, scholarly articles, and other relevant literature on Islamic law and corruption. The findings show that the defendant, Rafael Alun Trisambodo, was proven legally and convincingly to have committed corruption in the form of gratuities and Money Laundering Crimes (TPPU), for which the judge imposed a prison sentence of 14 years and a fine of IDR 1,000,000,000.00 (one billion rupiah), or six months’ imprisonment in lieu thereof. From the perspective of Islamic criminal law, corruption can be classified as jarimah taʿzīr, the sanctions for which are elastic and may be determined by judicial authorities insofar as certain elements are fulfilled. Analysis of the taʿzīr sanction concept in this decision highlights the importance of considering offender rehabilitation, proportionality, and sentencing flexibility in order to protect property (Hifz al-Mal) and uphold justice. These findings are expected to encourage the imposition of more optimal sanctions to ensure deterrence and maximize the recovery of state financial losses in future tax corruption cases.
Co-Authors Abd.Rahman, Zayyad Ageng Riz’y Waluyo Ahmad Muqorobin Ainun Amalia Zuhroh Aisy Rahmania Al Faruqi , Musta’an Al Faruqi, Musta’an Al-Huzwah, Fatya Zahwa Alatas, Muhammad Ali Alqudrih, Qomsin Amrullah, Muhammad Ilham Anis Humaidi, Anis Annas Syams Rizal Fahmi Annas Syams Rizal Fahmi Annas Syams Rizal Fahmi Anwar, Emha Afifudzaki Ardiyanti, Dwi Arjuna, Agma Averro, Muhammad Faruq Azidni Rofiqa Aziz Kurniawan Daniswara, Aliyya Lathifa Daud Sukoco Devid Frastiawan Amir Sup Dimyati Huda, Muhammad Elsyafa, Thoriq Izza Emha Afifudzaki Anwar Fadhila Sukur Indra Fahmi, Annas Syams Rizal Fajar Satriyawan Wahyudi Faruqi, Musta’an Al Fawwaz Raihan Firda Rahmi Aliya Putri, Sri Ghufron, Isa Lazuardi Hamzawi, M. Adib Harist, Dinar Naufal Hesti Rokhaniyah, Hesti Ihsan Hudiana Ihsan, Syahrul Imam Kamaluddin Iman Nur Hidayat Inaiyaya Zuhrifa Allhumahira Intan Puspitasari Kamila , Arfah Kusumastuti, Anisa Silvi Lathiefa Rusli M. Ilham Nazaruddin Noor Mafaz, Mafaz Maranti, Safika Masyail, Muhammad Shidqi Meitria Cahyani Milenia Ayu Saraswati Milenia Ayu Saraswati Mohammad Syifaurrosyidin Muhammad Abdul Aziz Muhammad Abdul Aziz Muhammad Fajar Hamijar Muhammad Faruq Averro Muhammad Irkham Firdaus Muhammad Rabbani Ridho Muhammad Ulul Azmi MUNAWAROH, HIFDHOTUL Namira Muthia Rosalina Naufal, Muhammad Zaky Nizomul Mulki Noor, M. Ilham Nazaruddin Nuarisa, Risma Hafida Nur Helmy Iffah Wafiyah Prasanti, Noviana Pratama, Agma Arjuna Rizky Pratama, Ardena Afif Qoharuddin, Moch. Azis Qomsin alqudrih Rachmawati, Andini Rafifahnur, Nisrina Rahmania, Aisy Rashda Diana Rizki Apriliani Rofiqa, Azidni Sahputra, Jaya Salwa Fuadia Selamet Hartanto Setiawan, Suhada Silvi Kusumastuti, Annisa Sujatmiko, Muhammad Sukma, Arti Mutiara Uluum, Muhammad Miftachul Vina Fithriana Wibisono Widagdho, Aryyo Yeni Zannuba Arifah Yusuf, M. Asror Zulfatus Sa’diah