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All Journal JMM (Jurnal Masyarakat Mandiri) Jurnal Inovator Adzkiya : Jurnal Hukum dan Ekonomi Syariah Profit : Jurnal Kajian Ekonomi dan Perbankan Syariah Jurnal Ekonomi Dan Bisnis KONSEP DAN TUJUAN PADA TINJUAN BISNIS SYARIAH JAKA (Jurnal Akuntansi, Keuangan dan Auditing) Prosiding University Research Colloquium Jurnal Riset Rumpun Ilmu Teknik (JURRITEK) Sosio Akademika Jurnal Riset Akuntansi Journal Of Industrial Engineering & Technology Innovation Birokrasi: Jurnal Ilmu Hukum dan Tata Negara Indonesian Economic Review Al-Kharaj: Jurnal Ekonomi, Keuangan & Bisnis Syariah Jurnal Magister Ekonomi Syariah Journal of Accounting and Finance IECON: International Economics and Business Conference Jurnal Ragam Pengabdian Pandecta : Jurnal Penelitian Ilmu Hukum (Research Law Journal) Proceedings of International Conference on Islamic Economic Finance and Social Finance Proceeding of The International Conference on Management, Entrepreneurship, and Business Jurnal Abdimas Indonesia Uncang : Journal of sharia Banking and islamic finance Jurnal Ekonomi Syariah dan Akuntasi AL-IKTISAB: Journal of Islamic Economic Law BISNIS : Jurnal Bisnis dan Manajemen Islam
Nadhifah, Tuti
Muhammadiyah University Of Kudus
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ANALYSIS OF MODERN RETAIL "TRENMU MART" IN IMPROVING ECONOMIC INDEPENDENCE Izzuddin Syihab; Nurani Puspa Ningrum; Tuti’ Nadhifah
JURNAL PROFIT Vol 9, No 2 (2025): Economic And Financial Institutions
Publisher : Nurul Jadid University

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.33650/profit.v9i2.12570

Abstract

This study aims to analyze the role of the modern retailer Trenmu Mart in increasing the economic independence of the Muhammadiyah Kudus Islamic Boarding School. As Islamic educational institutions, Islamic boarding schools often face financial dependence on fluctuating Educational Development Contributions (SPP) and external aid, which impacts employee welfare and the implementation of student development programs. Efforts to create independent funding sources through business units were previously undertaken with the establishment of Mu Mart in 2016, but were unable to survive due to a lack of professional management and an unstrategic location. This experience led to the establishment of Trenmu Mart in 2025 as a new strategy to build the economic independence of Islamic boarding schools. This research employed a descriptive qualitative method, with data collection techniques including interviews, observation, and documentation. Data analysis was conducted through data reduction, presentation, and drawing conclusions, and its validity was tested using source and method triangulation. The research results show that Trenmu Mart has a positive impact on the economic independence of Islamic boarding schools. Sales have increased significantly every week since the start of operations, with profits used to improve employee welfare through incentives and allowances, and to support various student activities, such as providing learning resources, skills training, and religious programs. Furthermore, Trenmu Mart serves as a learning medium for entrepreneurship for students involved in store operations, providing real-world experience in Sharia-based business management practices. Trenmu Mart's presence also strengthens the relationship between Islamic boarding schools and the surrounding community, which also benefits economically through easy and affordable shopping access. The research conclusion confirms that Trenmu Mart serves not only as a commercial entity but also as a social, educational, and da'wah instrument. Its management concept aligns with the principles of social entrepreneurship in Islamic economics and reflects the application of the maqashid sharia principles in economic activities. With professional management and support from all elements of the Islamic boarding school, Trenmu Mart has long-term prospects as a model of Islamic boarding school economic independence that can be replicated in other Islamic educational institutions in Indonesia
BUILDING HIGHER EDUCATION COMPETITIVE ADVANTAGE THROUGH JOB SATISFACTION, OPTIMIZING LOYALTY AND WORK ABILITY OF OPERATIONAL EMPLOYEES Sutris Sutris; Nurani Puspa Ningrum; Tuti’ Nadhifah
JURNAL PROFIT Vol 9, No 2 (2025): Economic And Financial Institutions
Publisher : Nurul Jadid University

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.33650/profit.v10i1.13768

Abstract

This study analyzes the influence of job satisfaction, loyalty, and work ability on employee performance at Muhammadiyah University of Kudus. The results show a positive influence between job satisfaction on employee performance at Muhammadiyah University of Kudus, this can be seen from the tvalue of 4.601 > ttable of 1.664 with a significance level below 5%. There is a positive influence between loyalty on employee performance at Muhammadiyah University of Kudus, this can be seen from the tvalue of 4.601 > ttable of 1.664 with a significance level below 5%. There is a positive influence between work ability on employee performance at Muhammadiyah University of Kudus, this can be seen from the tvalue of 4.601 > ttable of 1.664 with a significance level below 5%. And there is an influence of job satisfaction, loyalty, and work ability on employee performance at Muhammadiyah University of Kudus, which is proven to be significant, the Fvalue of 25.869 > Ftable of 3.91 with a significance level below 5%
The Role of Al and Big Data in Detecting Illegal Finance, Sharia Violations, and Cybercrime in the Digital Society Era Society 5.0 Tuti’ Nadhifah; Heni Risnawati; Dian Rosita
Pandecta Research Law Journal Vol. 21 No. 1 (2026): June, 2026
Publisher : Universitas Negeri Semarang

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.15294/pandecta.v21i1.28980

Abstract

Technological developments in the Society 5.0 era have driven massive digital transformation in various sectors, including in the financial system and law enforcement. In this context, artificial intelligence (AI) and Big Data have a strategic role in detecting illegal financial activities, violations of sharia principles in transactions, and increasingly complex cybercrime. This article discusses how AI and Big Data are used as real-time detection and prevention tools for transaction anomalies, money laundering patterns, and online fraud practices. In addition, this study highlights the regulatory and ethical challenges in the application of this technology, especially in ensuring compliance with sharia principles and personal data protection. With a normative qualitative method and a multidisciplinary approach, this paper offers a legal and technological perspective in responding to the dynamics of digital crime and the importance of collaboration between regulators, financial institutions, and technology providers to create a safe and equitable digital ecosystem. The findings in this article are expected to be strategic input in formulating legal policies and strengthening technology-based supervision systems in the digital era.
Pengaruh Peluang Usaha, Lingkungan Keluarga dan Motivasi Diri Terhadap Minat Berwirausaha Syariah Masyarakat Desa Purworejo, Kecamatan Bae, Kabupaten Kudus Anggita Wahyu Fitriana; Tuti Nadhifah; Muhammad Nur Salim
Al-Kharaj: Jurnal Ekonomi, Keuangan & Bisnis Syariah Vol. 8 No. 8 (2026): Al-Kharaj: Jurnal Ekonomi, Keuangan & Bisnis Syariah
Publisher : Intitut Agama Islam Nasional Laa Roiba Bogor

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.47467/alkharaj.v8i8.11618

Abstract

This study aims to analyze the influence of business opportunities, family environment, and self-motivation on the interest in Islamic entrepreneurship among the people of Purworejo Village, Bae District, Kudus Regency. The research method used is mixed methods, which is a method that combines quantitative and qualitative approaches supported by interview results. The study population was the people of Purworejo Village who have entrepreneurial abilities, with a total of 89 respondents selected through a purposive sampling method. Data were collected using questionnaires and in-depth interviews. Data analysis was carried out using multiple linear regression methods, with SPSS software being used for the process. The results of the study indicate that business opportunities do not significantly influence interest in Sharia entrepreneurship, while family environment and self-motivation have a significant partial influence. Simultaneously, the three independent variables significantly influence interest in Sharia entrepreneurship with a coefficient of determination of 0.495. This indicates that 49.5% of interest in Sharia entrepreneurship is influenced by business opportunities, family environment, and self-motivation, while the remaining percentage is influenced by other factors not covered in this study. Qualitative findings reinforce that support from family and enthusiasm within a person are the main factors that encourage people to choose to become entrepreneurs based on Sharia principles.
Green Sukuk And Green Banking: Strategic Collaboration For Islamic Sustainable Finance In Indonesia Nadhifah, Tuti; Wahyuni, Desi; Risnawati, Heni; Thoha, Muhammad
BISNIS Vol 14, No 1 (2026): BISNIS: Jurnal Bisnis dan Manajemen Islam
Publisher : Universitas Islam Negeri Sunan Kudus

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.21043/bisnis.v14i1.38211

Abstract

The global climate crisis necessitates a transformation of the financial sector toward environmentally sustainable practices. However, in Indonesia, the development of sharia-based green finance faces significant challenges, including unspecific regulations, low ESG literacy, and limited incentives for investors and market participants. This study discusses the potential and integration strategy of Green Sukuk and Green Banking as Islamic financial instruments that support sustainable financing. Green Sukuk acts as a source of financing for green projects in accordance with maqasid sharia principles, while Islamic banks implement Environmental, Social, and Governance (ESG) principles through green financing products and environmental literacy programs. This study highlights the importance of collaboration between regulators (OJK, DSN-MUI, KNEKS), Islamic banks, and capital markets to establish a regulatory framework that supports the development of Islamic green finance, including an Islamic green taxonomy and sharia-based ESG scoring. Despite obstacles such as unspecific regulations, low ESG literacy, and lack of fiscal incentives, the Sharia Green Investment Consortium collaboration model is proposed as an innovative solution to strengthen the Islamic green finance ecosystem. This research underscores the importance of policy synergy, human resource capacity building, and transparency in fund management to achieve sustainable development goals and increase the attractiveness of sharia-based green investments.
PERANCANGAN IMPLEMENTASI BOX SAMPAH BOTOL GELAS PLASTIK DALAM MENINGKATAN KESADARAN MASYARAKAT Tuti Nadhifah; Heni Risnawati; Dian Rosita; Yayuk Murdriyastutik; Ahmad Haidar Giri Mukty; Lucy Gita Karmila
JMM (Jurnal Masyarakat Mandiri) Vol 10, No 4 (2026): Agustus
Publisher : Universitas Muhammadiyah Mataram

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.31764/jmm.v10i4.39640

Abstract

Abstrak: Permasalahan sampah plastik yang semakin meningkat menjadi tantangan serius bagi lingkungan dan kesehatan masyarakat, sehingga diperlukan upaya pengelolaan sampah yang efektif dan berkelanjutan melalui edukasi serta partisipasi aktif masyarakat. Program Pengabdian kepada Masyarakat (PKM) ini bertujuan untuk meningkatkan pengetahuan, pemahaman, dan kesadaran dalam pengelolaan sampah melalui implementasi box sampah khusus botol dan gelas plastik serta edukasi partisipatif. Kegiatan ini melibatkan masyarakat Ranting Aisyiyah Desa Kalilopo sebagai mitra utama dengan jumlah peserta sekitar 50 orang. Metode yang digunakan adalah Participatory Action Research (PAR) yang menekankan partisipasi aktif masyarakat dalam setiap tahapan kegiatan. Sistem evaluasi dilakukan melalui pre-test dan post-test yang dianalisis menggunakan uji paired sample t-test untuk mengukur perubahan pemahaman masyarakat sebelum dan sesudah program dilaksanakan. Indikator keberhasilan kegiatan ditunjukkan melalui peningkatan pengetahuan masyarakat, meningkatnya partisipasi dalam pengelolaan sampah, penggunaan box sampah plastik secara aktif, serta terciptanya kesadaran masyarakat terhadap pentingnya menjaga kebersihan lingkungan. Hasil analisis menunjukkan adanya peningkatan nilai rata-rata pada seluruh aspek, yaitu pengetahuan, teknologi pengelolaan sampah, ekonomi dan nilai tambah, serta lingkungan dan kesehatan. Uji paired sample t-test menunjukkan seluruh aspek memiliki nilai signifikansi 0,001 (Sig. < 0,05), yang berarti terdapat perbedaan signifikan antara sebelum dan sesudah intervensi. Pengabdian masyarakat ini terbukti efektif dalam meningkatkan pemahaman serta mendorong kemandirian masyarakat dalam pengelolaan sampah secara berkelanjutan.Abstract: The increasing problem of plastic waste is a serious challenge to the environment and public health, so effective and sustainable waste management efforts are needed through education and active community participation. This Community Service Program (PKM) aims to increase knowledge, understanding, and awareness in waste management through the implementation of special trash bins for plastic bottles and cups and participatory education. This activity involved the Aisyiyah Branch community of Kalilopo Village as the main partner with a total of approximately 50 participants. The method used was Participatory Action Research (PAR) which emphasized active community participation in every stage of the activity. The evaluation system was carried out through pre-tests and post-tests analyzed using paired sample t-tests to measure changes in community understanding before and after the program was implemented. Indicators of success were shown through increased community knowledge, increased participation in waste management, active use of plastic trash bins, and the creation of community awareness of the importance of maintaining a clean environment. The results of the analysis showed an increase in average scores in all aspects, namely knowledge, waste management technology, economy and added value, and environment and health. A peer-samples t-test showed that all aspects had a significance value of 0.001 (Sig. < 0.05), indicating a significant difference between before and after the intervention. This community service program has proven effective in increasing understanding and encouraging community independence in sustainable waste management.
Factors Influencing Public Interest in Using Sharia Financial Products: (Case Study of Ngroto Village, Gubug District, Grobogan Regency) Jihad Nurfebrianda; Nurani Puspa Ningrum; Tuti’ Nadhifah
Indonesian Economic Review Vol. 6 No. 1 (2026): February : Indonesian Economic Review
Publisher : Cahaya Abadi Publisher

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.53787/iconev.v6i1.95

Abstract

Research This aim For analyze factors that influence interest public in use product finance Sharia in the Village Ngroto, District Hut, Regency Grobogan. Development industry finance Sharia in Indonesia shows significant growth​ And contribute to inclusion finance, but participation public rural Still relatively low. Research This test influence religiosity, beliefs, and literacy finance sharia to interest community. The method used is approach quantitative with cross -sectional design on 70 selected respondents purposively. Data collected through questionnaire Likert scale and analyzed use multiple linear regression with level significance 0.05. Results​ study show that religiosity and literacy finance sharia influential positive significant to interest society, whereas trust influential negative significant. In terms of simultaneous, third variables influential significant with mark coefficient determination (R²) of 0.713, which means 71.3 % of the variation interest can explained by the research model. Findings This confirm that mark religious and understanding finance sharia own role dominant in increase participation public rural areas. Research This give contribution theoretical in study economy behavior sharia as well as implications practical for institution finance sharia in strengthening literacy programs and strategy promotion based community.
Analisis Efektivitas Penerapan Maintenance pada Mesin Produksi Furniture (Rustic) Studi Kasus di PT. Rajawali Perkasa Furniture Ratri Rahmawati; Sigit Arrohman; Rianto Wibowo; Bella Chintya Reira Christata; Heni Risnawati; Tuti Nadhifah
Jurnal INOVATOR Vol. 9 No. 1 (2026): Jurnal INOVATOR
Publisher : LPPM Politeknik Jambi

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.37338/0jtxqx05

Abstract

Rustic wood refers to a type of wood that has a rough, natural appearance, and often retains the original characteristics of the wood. The term "rustic" describes a style or appearance that is simple, old-fashioned, and rustic in nature. Rustic wood is often used in interior and exterior design to create a warm, natural atmosphere. The research methodology was carried out by searching for literature studies collected from journals, papers and the internet. Conduct interviews with supervisors and PT employees. Rajawali Perkasa Furniture in the field. As well as direct observations in the field to find solutions related to problems that occur to take corrective solutions in accordance with company procedures. The maintenance carried out to repair Rustic machines is Preventive Maintenance. A maintenance system that is carried out regularly to ensure the condition of the machine and extend the life of the machine. Preventive maintenance is carried out regularly to prevent damage to the equipment so that if minor damage is found it can be repaired immediately. With planned maintenance, PT Rajawali Perkasa Furniture aims to find symptoms of damage to equipment before it experiences fatal damage, keep its production equipment machines in optimal condition, reduce the risk of damage, and increase overall productivity.
Co-Authors Abdul Roni Agustina Eka Harjanti Ahmad Haidar Giri Mukty Ahmad Nur syafiq Ahmad Nur Syafiq Alif Kiky Listiyati Alisah Yudiana Aly Akbar Taftazani Anggita Wahyu Fitriana Anny Rosiana Masithoh Ataki Zuama Nailufar Bella Chintya Reira Christata Cikita Berlian Hakim Daniel Ferdian Desi Wahyuni Devy Aufia Abshor Dewi Nur Wakhidah Dian Rosita Dian Rosita Dian Rosita Dian Rosita Firmansyah, Nunung Agus Hanin Fitria Hari Susanta Nugraha Hasna Mudiarti Helmi Nur Fajri Heni Risnawati Heni Risnawati Herri Wijaya Intakoris, Sam'ani Izzuddin Syihab Jati Prihantono Jeki Purnomo Jihad Nurfebrianda Jilma Dewi Ayu Ningtyas Kukuh Mukti Wibowo Lilien Ristina Lucy Gita Karmila M Adhitya Wardhana M Adhitya Wardhana M. Adhitya Wardhana Marsya Rizqia Marsya Rizqia Charunnisa Maryatin Maryatin Muhammad Dzulhilmi Yazid Muhammad Dzulhilmi Yazid Muhammad Ghafur Wibowo Muhammad Nur Salim Muhammad Nur Salim Muhammad Thoha Nelly Rhosyida Nelly Rhosyida Ningrum, Nurani Puspa Ninik Ferawati Nunung Agus Firmansyah Nur Hayati Nurani Puspa Ningrum Nurani Puspa Ningrum Nurul Islamiyah Ratri Rahmawati Ria Etikasari Rianto Wibowo. Risnawati, Heni Roni, Abdul Salim, Muhammad Nur Sherly Nur Ekawati Sigit Arrohman Sri Suryoko Sukamto, Ika Sumiyarsi Sunardi Supardi Supardi Sutris Sutris Thoha, Muhammad Yayuk Murdriyastutik Yunus Mustaqim Yunus Mustaqim Yunus Mustaqim, Yunus