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All Journal IJTIHAD Al-Iktisab: Journal of Islamic Economic Law 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 JOURNAL OF INDONESIAN COMPARATIVE OF SYARIAH LAW JES (Jurnal Ekonomi Syariah MUAMALATUNA Journal of Sharia Economics Al-Mizan : Jurnal Hukum dan Ekonomi Islam 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 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
Retnowati, May Shinta
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Accelerating SDGs to Alleviate Poverty: Synergy Between National Amil Zakat Agency (BAZNAS) and Islamic Financial Institutions (IFI) Retnowati, May Shinta; Yusuf, M. Asror; Cahyani, Meitria; Hidayat, Iman Nur; Al Faruqi, Musta’an
AL-IKTISAB: Journal of Islamic Economic Law Vol. 8 No. 2 (2024)
Publisher : University of Darusssalam Gontor

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.21111/aliktisab.v8i2.12889

Abstract

The low level of progress in poverty alleviation in Indonesia is the responsibility of all elements of society. To achieve the realization of the success of the Sustainable Development Goals (SDGs) in 2030, it must be able to be realized. This is not limited to achieving rather than a target but also a need of each country. Through the collaboration of the National Amil Zakat Agency (BAZNAS) and Islamic Financial Institutions (IFI), it has great potential in realizing the goals of the SDGs to eradicate poverty. This type of research is qualitative with descriptive analysis. The results of the study show that Islamic financial institutions can function as potential partners of BAZNAS in providing a zakat collection platform that is easily accessible to the public. With the integration of Islamic financial services, such as internet banking and mobile banking, customers can easily distribute their zakat, infaq, and shadaqah through IFI.
Perilaku Konsumsi Kosmetik Pada Mahasiswi Universitas Darussalam Gontor: Pendekatan Islamisasi Teori Konsumsi Sa'diah, Zulfatus; May Shinta Retnowati; Rizki Apriliani
Ta’wiluna: Jurnal Ilmu Al-Qur'an, Tafsir dan Pemikiran Islam Vol. 5 No. 3 (2024): Ta’wiluna: Jurnal Ilmu Al-Qur’an, Tafsir dan Pemikiran Islam
Publisher : Lembaga Penelitian, Penerbitan dan Pengabdian kepada Masyarakat (LP3M) IAIFA Kediri

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.58401/takwiluna.v5i3.1718

Abstract

Industrial development in this advanced era can be said to be very rapid, one of which is the cosmetics industry. In fact, many people in this era view that cosmetics are no longer just an additional need, but rather a primary need. As time goes by, a beautiful, enchanting and attractive appearance is every individual's unlimited dream. Cosmetics themselves cannot be separated from a woman's daily life. Female students are one of the social groups most susceptible to the influence of fashion and lifestyle and are one of the largest consumers who use cosmetic products. This research is field research. Research data was obtained using observation, interviews and documentation methods. The data collected was then analyzed using the Islamization of consumption theory approach with descriptive analysis methods. The results obtained are that first, consumption behavior that occurs in terms of the concept of needs and desires is largely not limited by the concept of maslahah. Second, most of them have reflected the concept of goods and services that are limited to halal and have also seen it from the thayyib side, because the goods they buy do not cause harm or harm to them physically or mentally. Third, most of them put cosmetics as part of their hajjiyat needs. Most of them still have a goal limited to satisfaction of use value (utility), but are not yet limited to the concept of maslahah, but there is a small portion of students who view that apart from the benefits they get, they intend this for worship. They see that by taking good and healthy care of their skin, it means they intend to maintain facial cleanliness, which is part of their faith.
Fiqh Muamalah Analysis of the Fundraising Zakah through Conventional Bank Accounts Imam Kamaluddin; Vina Fithriana Wibisono; Andini Rachmawati; May Shinta Retnowati; Fawwaz Raihan
Jurnal Hukum Islam Vol 21 No 1 (2023)
Publisher : Universitas Islam Negeri K.H. Abdurrahman Wahid Pekalongan

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.28918/jhi_v21i1_08

Abstract

Collecting zakah funds through conventional banks is vulnerable to elements of usury. Whereas, Islamic legal norms have strictly regulated that all assets must be protected from the element of usury, including Zakah funds. This research analyzes the collection of zakah funds by zakah fund collection institutions which is carried out by giving muzaki (zakah givers) the option to transfer zakah funds using conventional bank accounts. This paper discusses two schemes,i.e: first, the mechanism for collecting zakah funds through conventional bank accounts; second, analyzing the collection of zakah funds from the perspective of Muamalah Fiqh, namely using the Tabarru agreement. The research method uses empirical juridical with a qualitative approach.  The results show,  the mechanism for collecting zakah funds through conventional bank accounts is that muzakki are given the option to transfer zakah funds to a conventional bank account or sharia bank,  which is owned by the institution collecting zakah funds; then the institution collecting zakah funds separates the bank interest from conventional banks for the public needs, such as building roads, public toilets, bridges, etc; and finally distributing it to Mustahiq. According to Fiqh Muamalah, the factors that cause a transaction to be haram are haram because of its substance, haram in addition to its substance and the cancellation of the contract. Meanwhile, the permissibility of a haram transaction must be channelled for social benefit, because this action is better than entrusting non-halal funds to a Sharia Bank.
Digital Marketing Assistance and Local Product Innovation: Development of the Village Micro Business Sector in Ponorogo Setiawan, Suhada; Retnowati, May Shinta; Uluum, Muhammad Miftachul; Ghufron, Isa Lazuardi
Jurnal Pengabdian Masyarakat Bangsa Vol. 3 No. 1 (2025): Maret
Publisher : Amirul Bangun Bangsa

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.59837/jpmba.v3i1.2168

Abstract

Competition in the snack industry has its own attraction for manufacturers which has a big impact on consumers in choosing products. This level of competition does not only occur among large companies, but also in the small and medium enterprises (MSMEs) sector, as for effective ways to conduct business competition that attracts the attention of consumers by utilizing digital marketing. This strategy is very relevant to be applied in the era of the industrial revolution 5.0 The implementation of this service activity aims to explore the application of digital media as an appropriate marketing tool in business competition that is able to strengthen the competitiveness of culinary MSMEs in villages in Ponorogo. This community service using the ABCD (Asset Based Community Development) method to carry out community service based on strength and potential methodthat uses a thematic approach consists of three primary stages, namely the socialization, mentoring, and evaluation monitoring stages. The results of this activity show that the use of digital marketing as a promotional tool by one of the local MSMEs, Anna Snack in Nampan Village, is still limited. However, with the implementation of digital marketing strategies through platforms such as e-commerce and social media, there has been a significant increase in the understanding and skills of MSME actors. This activity has proven to have a positive impact in increasing marketing targets and strengthening the image of snack MSMEs on social media, which contributes to increased sales. The use of digital media as part of the MSME marketing strategy can continue to be developed to have a positive impact on global economic growth
Grow Up Branding Assistance: Improving the Business Competition System of MSME Local Tempe Products in Ponorogo Aziz Kurniawan; Nizomul Mulki; Muhammad Fajar Hamijar; May Shinta Retnowati
Karunia: Jurnal Hasil Pengabdian Masyarakat Indonesia Vol. 4 No. 1 (2025): Jurnal Hasil Pengabdian Masyarakat Indonesia
Publisher : Fakultas Teknik Universitas Maritim AMNI Semarang

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.58192/karunia.v4i1.3172

Abstract

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.
Maslahah and Socioeconomic Growth: Distribution of Philanthropic Funds at Al-Falah Grand Mosque Sragen, Indonesia Retnowati, May Shinta; Hamzawi, M. Adib
Besari: Journal of Social and Cultural Studies Vol. 2 No. 2 (2025): Besari: Journal of Social and Cultural Studies
Publisher : PC Ikatan Sarjana Nahdlatul Ulama Ponorogo

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.71155/besari.v2i2.137

Abstract

Beyond its function as a place of worship, the mosque can also serve as a centre for managing philanthropic funds to support economic welfare. This study aims to examine how economical support activities from mosque-managed funds, such as zakat, infaq, and shodaqoh, contribute to socioeconomic development and poverty alleviation. Using a qualitative descriptive method, the findings reveal that fund distribution, either institutional or individual, has adapted to technological advancements, including such a program at Al-Falah Grand Mosque, Sragen, Indonesia, to distribute rice weekly to local beneficiaries using a card-based ATM system. Despite limited resources, it contributes positively to social welfare and quality of life improvement. Selain berfungsi sebagai tempat ibadah, masjid juga berperan sebagai pusat pengelolaan dana filantropi guna mendukung kesejahteraan ekonomi. Penelitian ini bertujuan untuk mengkaji bagaimana kegiatan ekonomi yang didanai oleh masjid, seperti zakat, infaq, dan shodaqoh, dapat mendorong pertumbuhan sosial ekonomi dan pengentasan kemiskinan. Menggunakan metode kualitatif deskriptif, hasil penelitian menunjukkan bahwa penyaluran dana dilakukan secara langsung maupun melalui lembaga, serta telah beradaptasi dengan perkembangan teknologi. Salah satunya adalah program ATM Beras di Masjid Al-Falah Sragen yang menyalurkan beras secara berkala kepada mustahik dengan sistem kartu. Meskipun dana terbatas, program ini memberikan kontribusi positif terhadap peningkatan kesejahteraan dan kualitas hidup masyarakat sekitar.
Relevance of Compliance on Islamic Law by The Construction of MUI DSN Fatwa on Murābahah Financing Products at BMT Khasanah Tawang, Weru May Shinta Retnowati; Inaiyaya Zuhrifa Allhumahira
e-Journal Ekonomi Bisnis dan Akuntansi Vol. 10 No. 1 (2023): e-JEBA Volume 10 Number 1 Year 2023
Publisher : UPT Penerbitan Universitas Jember

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.19184/ejeba.v10i1.36885

Abstract

Murābahah 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 Murābahahat 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.
Dynamics of Islamic Pesantren: Digital Marketing Strategy Model on the Existence of Santripreneur Roles: Dinamika Pesantren: Model Strategi Digital Marketing Pada Eksistensi Peran Santripreneur Retnowati, May Shinta; Qoharuddin, Moch. Azis; Yusuf, M. Asror; Humaidi, Anis
Benefits : Jurnal Ekonomi dan Pariwisata Internasional Vol 2 No 2 (2025): Inovasi dan Pengembangan Strategis: Meningkatkan Ekosistem Kewirausahaan dan Pemb
Publisher : Yayasan Penelitian dan Pengabdian Masyarakat Sisi indonesia

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.69836/benefits-jeti.v2i2.363

Abstract

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.
Reintrepetation of Muhammad Syahrur's Limitation Theory on the Development of Islamic Economics Retnowati, May Shinta; Dimyati Huda, Muhammad; Abd.Rahman, Zayyad
Qawanin: Jurnal of Economic Syaria Law Vol 9 No 1 (2025): June
Publisher : Fakultas Syariah IAIN Kediri

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.30762/qaw.v9i1.688

Abstract

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.
Analysis of Sharia Compliance on the Application of Reputational Risk in Service Marketing at Dompet Dhuafa Retnowati, May Shinta; Silvi Kusumastuti, Annisa; Al-Huzwah, Fatya Zahwa
ZISWAF ASFA Vol 3 No 2 (2025): ZISWAF ASFA Journal (October 2025)
Publisher : ASFA Foundation

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.69948/ziswaf.27

Abstract

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.
Co-Authors Abd.Rahman, Zayyad Ageng Riz’y Waluyo Ahmad Muqorobin Aisy Rahmania 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 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, Ardena Afif Qoharuddin, Moch. Azis Qomsin alqudrih Rachmawati, Andini Rafifahnur, Nisrina Rahmania, Aisy Rashda Diana Rizki Apriliani Rofiqa, Azidni Sahputra, Jaya Salwa Fuadia Sa’diah, Zulfatus 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 Zulfatus Sa’diah