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All Journal Profit : Jurnal Kajian Ekonomi dan Perbankan Syariah Syar'Insurance: Jurnal Asuransi Syariah AL-FALAH : Journal of Islamic Economics Jurnal Pengabdian Masyarakat Bhinneka Jurnal Pengabdian Masyarakat Bangsa Strata Social and Humanities Studies Journal of Innovative and Creativity International Journal of Education, Vocational and Social Science
Adawiyah, Endah Robiatul
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Tinjauan Hukum Ekonomi Syari’ah Terhadap Realisasi Akad Dana Tabarru Di Ajb Bumiputra Syari’ah 1912 Cabang Subang Adawiyah, Endah Robiatul; Wazin, Wazin; Afifah, Divia Nurul; Setiadi, Rudi; Sumarna, Agus
Syar'Insurance: Jurnal Asuransi Syariah Vol. 7 No. 2 (2021): December 2021
Publisher : UIN Sultan Maulana Hasanuddin Banten

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.32678/sijas.v7i2.5189

Abstract

Abstract This research aims to explain how sharia insurance mechanism works, the application of Akad Tabarru' in AJB Bumiputera 1912 Syari'ah Subang Branch, Tabarru' Fund Management at AJB Bumiputera Syari'ah 1912 Subang Branch and Sharia Economic Law Review on The Realization of Tabarru' Fund Agreement at AJB Bumiputera Syari'ah 1912 Subang Branch, The approach used is descriptive analytical qualitative research, the results obtained show, there are two forms of contracts in premiums paid i.e. for investment and for tabarru , tabarru agreement in implementation in the provision of alms funds from premiums collected between fellow customers by the company, sharia principles used is a takaful principle (please help) and implemented by mutually bear in the implementation of tabarru agreement, in sharia insurance, there is no such thing as mutual risk transfer from participants to the company, because in practice contributions (premiums) paid by participants will not occur transfer of hund , the ownership status of the funds remains attached to the participants as sahib al-mal. Sharing of risk among fellow participants is realized through the mechanism of tabarru agreement, tabarru account is used as a full source of funds for the payment of claims in sharia insurance, which means that the fund account helps each other from all participants, which from the beginning has been sincerely intended by the participants for the needs of their siblings Kata Kunci: Hukum Ekonomi Syariah, Akad Tabarru’ Abstrak Penelitian ini bertujuan untuk menjelaskan bagaimana mekanisme Kerja Asuransi Syariah, Penerapan Akad Tabarru’ di AJB Bumiputera 1912 Syari’ah Cabang Subang, Pengelolaan Dana Tabarru’ di AJB Bumiputera Syari’ah 1912 Cabang Subang dan Tinjauan Hukum Ekonomi Syariah Terhadap Realisasi Akad Dana Tabarru’ di AJB Bumiputera Syari’ah 1912 Cabang Subang, Pendekatan yang digunakan adalah penelitian kualitatif deskriptif analitis, hasil yang diperoleh menunjukan, terdapat dua bentuk akad dalam premi yang dibayarkan yakni untuk investasi dan untuk tabarru, akad tabarru di impelemntasikan dalam pemberian dana sedekah dari premi yang dikumpulkan antar sesama nasabah oleh perusahaan, prinsip-prinsip syari’ah yang diggunakan adalah prinsip takaful (tolong menolong) dan diimplementasikan dengan cara saling menanggung dalam implementasi akad tabarru, dalam asuransi syariah, tidak ada yang namanya saling transfer resiko dari peserta ke perusahaan, karena dalam praktek kontribusinya (premi) yang dibayarkan oleh peserta tidak akan terjadi transfer of hund, status kepemilikan dana tersebut tetap melekat pada peserta sebagai sahib al-mal. Sharing of risk diantara sesama peserta diwujudkan melalui mekanisme akad tabarru, rekening tabarru’ dijadikan sumber dana sepenuhnya untuk pembayaran klaim dalam asuransi syari’ah, rekening dana saling tolong menolong kepada sesama dari seluruh peserta, yang sejak awal sudah diniatkan dengan ikhlas oleh peserta untuk keperluan saudara-saudaranya Kata Kunci: Hukum Ekonomi Syariah, Akad Tabarru’
Study of the values ​​of moral education in the ruwatan tradition in Nagrak Village, Ciater District, Subang Regency Sinta Rohimah, Dede; Komarianti, Cici Siti; Adawiyah, Endah Robiatul; Selvia Ru’yatus Saefullah; Bunga Septria Vionita
International Journal of Education, Vocational and Social Science Vol. 2 No. 02 (2023): May, International Journal of Education, vocational and Social Science (IJEVSS
Publisher : Cita konsultindo

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.63922/ijevss.v2i02.174

Abstract

In this article, the author will describe ruwatan as part of a tradition that is inherent in Nagrak Village, a tradition that is rich in educational values. Ruwatan is often labeled as a negative tradition and tends to be polytheistic. However, this tradition still exists today in the midst of the pros and cons in society. This article tries to explain the positive meaning of Ruwatan and the need to preserve it. Because it contains moral education to educate people to become better human beings. In this case the author raises several problems. Among other things, what are the values ​​contained in the Ruwatan tradition? And how is the implementation of the tradition of ngaruwat earth?. The method that the author uses is a field research method with data collection or observation, interviews and documentation. The sources of data used are scholars, ustadz and community leaders in Nagrak Village who are seen or considered to understand the ngaruwat earth tradition, namely community leaders and books that support the research.
Pelatihan Pembuatan Kemasan Melalui Media Canva Untuk Meningkatkan Nilai Jual Produk UMKM di Desa Buniara Oktaviani, Winda; Suminar, Sani; Solehudin, Solehudin; Adawiyah, Endah Robiatul
Jurnal Pengabdian Masyarakat Bangsa Vol. 2 No. 12 (2025): Februari
Publisher : Amirul Bangun Bangsa

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.59837/jpmba.v2i12.2114

Abstract

Salah satu permasalahan yang terjadi pada Usaha Mikro Perempuan Berbasis Home Industry di desa Buniara adalah minimnya pengetahuan mengenai kemasan produk yang terjadi pada pelaku umkm. Adapun yang menjadi keresahan adanya ketidak tahuan pembuatan kemasan dan label produk untuk menarik minat para konsumnen.untuk itu dalam upaya pemberdayaan Usaha Mikro Perempuan Berbasis Home Industry di desa buniara kami melaksanakan kegiatan pengabdian kepada masyarakat dengan topik pelatihan pembuatan kemasan melalui media canva untuk meningkatkan nilai jual produk dan Kemampuan. Adapun tujuan yang ingin di capai adalah untuk meningkatkan pengetahuan terkait penggunaan aplikasi canva dalam membuat kemasan. Adapun metode yang digunakan adalah diskusi dan pelatihan secara langsung. Dengan adanya pelatihan tersebut diharapkan mampu menjadi langkah awal. Sebagai solusi atas permasalahan yang terjadi.untuk itu, setelah mengikuti pelatihan tersebut, para pelaku Usaha Mikro Perempuan Berbasis Home Industry yang berada di desa buniara dapat mengaplikasikan secara langsung terkait pembuatan kemasan untuk meningkatkan nilai jual produk.
KOLABORASI LEMBAGA KEUANGAN, PEMERINTAH DAN PERUSAHAAN DALAM MENINGKATKAN PERAN KOPERASI KARYAWAN INDUSTRI SEBAGAI ALTERNATIF SOLUSI DALAM PEMBANGUNAN SEKTOR EKONOMI INDONESIA Adawiyah, Endah Robiatul
JURNAL PROFIT Vol 4, No 1 (2020): Economic Management
Publisher : Nurul Jadid University

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.33650/profit.v4i1.911

Abstract

The role of cooperative and MSMEs in economic growth are very important. In 1998, Indonesia experienced economic  crisis, the cooperative business units and MSMEs were relatively stable and able to survive compared to the large companies. According to date from the ministry of cooperatives and UMKM, in 2019 the number of cooperatives will be 126,343 units, although this number has decreased from 2014, which was 212,570 units. Seeing this certainly becomes a big hope  or opportunity for  Indonesia economic growth, however in general the development of cooperatives, still experiences various obstacles, especially in terms of capital and accessing capital sources. In Act no.3 of 2004, Bank Indonesian Bank policy in assisting the development of small and medium-sized businesses and cooperatives , is more about  technical assistance and institutional development. The task of managing credit has been transferred to SOEs including BRI, Bank BTN and PT. Nastional Capital Madani (PNM) banks.The optimization of the role of SOEs in the development of Indonesian cooperatives is indicated to be not optimal, especially in capital finance working, in this study, the writer will focus more on the cooperative of employees in an industrial company, which is still less touched by the stakeholders until now on. (One employee cooperative of PT.Tirta  Investma (AQUA), Tirta Bangun Karya Cooperative, Subang Regency, West java, the research approach is  based on the basic  assumptions of social science,  which will be conducted by the way of researchers’ analyzing of phenomenon or reality, analized by using SWOT analysis. This study aims to Provide an  overview of the business cooperatives opportunities, especially cooperative  employees of an industry, explaining  the involvement and mengagement of stakeholders in develoving and finacing the role of industrial employee cooperatives as the main business partners of companies that shelter, For Describing  the government framework in providing the recommendations to  stakeholders in  cevelopment programs is to support government programs in priority economic fields.From the research conducted, it can be concluded that : Government policies relatied to the development of  industrial cooperatives, namely : in general, government policies in developing cooperative, as such  they are independent and  have been realized ate not only carried out by one or two ministry institutions but by various  institutions, such as the ministry of cooperatives and MSMEs, ministries industry,  ministry of trade, and BAPENAS, Bank of  Indonesia, BUMN and Non Bank Finacial Institutions. Various from of support are given to  cooperatives such as guidance, assistance and financing. Related to this the government always tries to  facilitate cooperatives to have  access to finance  from financial institutions or banks and non banks. These facilities include subsidized banking credit, guarantees of non-bank institutions, financing from SEO profit allowance, grants and others.Company policy in developing employee cooperatives, namely: The company is a partner in running the company’s business wheels meaning that all efforts of the company to run the business always involve cooperatives, of course, this must be bound in the MoU between the company and the cooperative both in writing. The Members of the  cooperative are employees of the company  in which the cooperative belongs. A PKB ( Collective Labor Agreement) was made  between the union and company management  which one of the contents of the collective Labor Agreement  is cooperative. In the contents of the Collective Labor Agreement, there are  no cooperative there are no specific regulations regarding the involvement of cooperetives as Company’s  partners.Banking policy in developing cooperatives, the model link program between banks and cooperative,  has been running using the scheme of executing , channeling and joint finance. It is necessary to develop a model  for developing the  distribution of funds to cooperatives, in which  to support the cooperative business with cooperative is part of the company vendor/ supplier. Banking policies in terms of cooperative business funding need to be developed  softer, because in general, the employee cooperative do not  have variable or large assets yet. In which  this has always been a requirement of a bank in funding cooperative. A collaboration has been conducted between  bank and cooperative in  terms of  financing  cooperative  members  though an exceceuting system. There is no easy access to financial  cooperative businesses  father than the  employee of  finance itself.There needs a synergy  between the Government- financing Institutions and cooperative companies   to put coopretives  as a supporter of the Indonesian economiy, as such the recommendations for  the  central government though the relevant ministries are signed, they should be able to pay  more attenstion  on cooperative for  industrial employee. By issuing the relevant  regulations or laws with pathnerships, between employee cooperative and company management, the local government should have the  courage to issue a regulation relating partnerships between employee cooperatives and companies through related agencies, companies must create policies  towards the  employee cooperative  as the main business partners of companies and  financial institutions, especially banks  must play a more active  roles in communication, outreach, guidance and the realizing  channeling funds to  improve cooperative business units  through soft funding and policies that can facilitate cooperative In obtaining funding and financial institutions must be able to run government program in terms of funding  the cooperatives of industrial employee.
Effect of Electronic Money Transactions on Customer Satisfaction According to Sharia Economy (Case Study at STAI La Tansa Mashiro) Budiman, Budiman; Adawiyah, Endah Robiatul; Syukri, Mahmud; Ibadurohmah, Ibadurohmah; Wahrudin, Udin
AL-FALAH : Journal of Islamic Economics Vol. 8 No. 1 (2023)
Publisher : Institut Agama Islam Negeri (IAIN) Curup

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.29240/alfalah.v8i1.6904

Abstract

Purpose: This paper examines the Effect of Electronic Money Transactions on Consumer Satisfaction According to Sharia Economics on STAI La Tansa Mashiro Students.Design/Method/Approach: This research uses descriptive quantitative with 110 samples. Sampling was carried out using purposive sampling method with 2 categories, namely activity and use of the OVO or Go pay e-wallet application to make transactions, to objectively measure socio-economic phenomena in electronic money transactions on consumer satisfaction.Findings: The results show a positive and significant effect, Electronic Money Transactions on Consumer Satisfaction. Where the t test results are 3.724 and t table 1.659 significant level <0.05, namely 0.001 <0.05, then t count> from t table 3.724> 1.659. Explaining that Ho is rejected and Ha is accepted. The t test results are reinforced with (R²) 0.114.Organally/Value: There is a positive and significant effect of Electronic Money Transactions on Consumer Satisfaction. With t test results of 3.724 and t table 1.659 with a significant 0.001 <0.05, then t count> t table 3.724> 1.659. Then Ho is rejected and Ha is accepted. The t test results were strengthened (R²) 0.114. Sharia Economic Perspective DSN MUI Fatwa No. 116 of 2017 states that legal electronic money can be used as a means of payment by following the provisions of this fatwa.
Regulasi Pinjaman Online Perspektif Hukum Ekonomi Islam di Indonesia Suhud, Mujab Fahmi; Adawiyah, Endah Robiatul
Journal of Innovative and Creativity Vol. 5 No. 3 (2025)
Publisher : Fakultas Ilmu Pendidikan Universitas Pahlawan Tuanku Tambusai

Show Abstract | Download Original | Original Source | Check in Google Scholar

Abstract

Perkembangan pesat pinjaman online (fintech) di Indonesia memberikan kemudahan akses keuangan bagi masyarakat, namun juga menimbulkan berbagai permasalahan seperti tingginya bunga, praktik riba, serta maraknya pinjaman ilegal yang merugikan konsumen. Penelitian ini bertujuan menganalisis regulasi pinjaman online di Indonesia dari perspektif hukum ekonomi Islam serta menelaah efektivitas regulasi terbaru yang diterbitkan Otoritas Jasa Keuangan (OJK) dalam melindungi konsumen. Metode yang digunakan adalah studi pustaka dengan pendekatan kualitatif, menggunakan sumber primer berupa Al-Qur'an, Hadis, dan literatur fikih muamalah, serta sumber sekunder seperti peraturan-undangan, fatwa DSN-MUI, dan jurnal ilmiah terkait. Hasil penelitian menunjukkan bahwa regulasi terbaru OJK, seperti penurunan suku bunga, transaksi denda, serta pengaturan tata cara penagihan, merupakan langkah nyata dalam perlindungan konsumen. Namun dari sudut pandang ekonomi Islam, masih diperlukan harmonisasi regulasi agar sejalan dengan prinsip syariah, khususnya terkait larangan riba, keadilan, dan perlindungan harta. Penelitian ini merekomendasikan penguatan edukasi literasi keuangan syariah dan kolaborasi antara pemerintah, OJK, dan lembaga keuangan syariah untuk menciptakan ekosistem pinjaman online yang adil, sehat, dan berkelanjutan sesuai nilai-nilai Islam.
Penyuluhan Mengenai Dampak Kecanduan Penggunaan Smartphone Terhadap Kecerdasan Siswa di SD 01 Babakan Adawiyah, Endah Robiatul; Alissa’diyyah, Tasma Rahmah Nur; Rahmatuzakiyah, Hana; Azmi, Ai Nurul; Mubarok, Akmal
Jurnal Pengabdian Masyarakat Bhinneka Vol. 4 No. 2 (2025): Bulan November
Publisher : Bhinneka Publishing

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.58266/jpmb.v4i2.538

Abstract

Smartphone atau yang biasa kita sebut gadget merupakan alat yang sering kita gunakan salah satunya untuk mempermudah berkomunikasi dan mencari informasi dan masih banyak fungsi lainnya. Kegiatan pengabdian ini yang bertema  “dampak penggunaan smartphone”. Pengabdian ini bertujuan untuk memberikan pemahaman melalui penyuluhan dan yang pertama dilakukan dengan observasi tempat yang dijadikan penyuluh ini agar memberikan pemahaman bahwa  smartphone ini memiliki dampak positif dan negative. Penelitian ini menggunakan Participatory Action Research (PAR) yang mana jenis pengabdian ini yang diambil melibatkan aktif semua pihak yakni khususnya pada pengabdian ini target kepada siswa. Hasil dari kegiatan ini munculnya kesadaran dalam dampak penggunaan smartphone pada kecerdasan siswa, walaupun masih ada yang menggunakan smartphone tanpa pantauan orang tua. Penyuluhan ini menjadi bukti bahwa masih adanya yang bermain game tidak menggunaan ke hal yang lebih baik, akan tetapi bisa memberikan kesadaran terhadap pengaruh dalam kecerdasan siswa. Setelah melakukan observasi, wawancara, melakukan kegiatan penyuluhan bahwa ada kesadaran dengan penyuluhan ini, anak-anak menjadi mengingat dalam penyuluhan untuk tidak berlebihan dalam penggunaan smartphone.
Affiliate Activities on the Tiktok Shop Platform in Consumer Protection Law and Sharia Economic Perspective Nugraha, Tisna; Adawiyah, Endah Robiatul
Strata Social and Humanities Studies Vol. 3 No. 2 (2025): October
Publisher : CV. Strata Persada Academia

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.59631/sshs.v3i2.457

Abstract

This study seeks to analyze the conformity of business practices on TikTok Shop with Law Number 8 of 1999 concerning Consumer Protection and the principles of Islamic economics. The research adopts a qualitative approach with a normative juridical method, focusing on a literature review of Islamic economic law, consumer protection regulations, and relevant studies on electronic transactions. Data analysis was conducted thematically using the Miles and Huberman interactive model to capture recurring patterns and core issues. The findings demonstrate several weaknesses in current practices, including inadequate product information disclosure, limited transparency of additional costs, and underdeveloped consumer complaint mechanisms. From the perspective of Islamic economics, the study also identifies the presence of gharar (uncertainty), riba (usury), and exploitation, which contradict the values of justice, transparency, and accountability. This research contributes to the broader discourse on digital consumer protection by integrating legal and sharia perspectives. It provides both theoretical insight and practical recommendations for strengthening regulation, enhancing consumer awareness, and building a fairer and more ethical e-commerce ecosystem aligned with Islamic principles.
Penyuluhan Kesehatan dan Pemberian Susu untuk Pencegahan Flu dan Batuk pada Balita Adawiyah, Endah Robiatul; Nurhasanah, Ainun; Fauzy, Akbar; Irfan, Ahmad
Jurnal Pengabdian Masyarakat Bhinneka Vol. 4 No. 1 (2025): Bulan September
Publisher : Bhinneka Publishing

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.58266/jpmb.v4i1.535

Abstract

Program pengabdian masyarakat ini bertujuan meningkatkan pemahaman orang tua, khususnya ibu balita, mengenai pencegahan flu dan batuk serta pentingnya gizi dalam memperkuat daya tahan tubuh anak. Metode yang digunakan adalah penyuluhan interaktif melalui ceramah, diskusi, pembagian brosur, serta demonstrasi etika batuk dan cara mencuci tangan yang benar. Selain itu, intervensi gizi dilakukan dengan pemberian susu kepada balita untuk melengkapi kebutuhan nutrisi harian. Hasil kegiatan menunjukkan adanya peningkatan signifikan pada pengetahuan ibu setelah penyuluhan, yang terlihat dari perbedaan nilai pretest dan post test. Selain peningkatan pengetahuan, praktik sederhana seperti mencuci tangan dan menjaga kebersihan rumah juga mulai diterapkan dalam kehidupan sehari-hari. Dukungan gizi berupa susu mendapat respons positif dari orang tua karena dirasakan bermanfaat bagi kesehatan anak. Secara keseluruhan, integrasi penyuluhan kesehatan dengan intervensi gizi terbukti efektif dalam meningkatkan pengetahuan, perilaku sehat, serta mendukung tumbuh kembang balita.
Co-Authors Afifah, Divia Nurul Alissa’diyyah, Tasma Rahmah Nur Azmi, Ai Nurul Budiman Budiman Bunga Septria Vionita Fauzy, Akbar Ibadurohmah, Ibadurohmah Irfan, Ahmad Komarianti, Cici Siti Mubarok, Akmal Muhammad Tisna Nugraha, Muhammad Tisna Nurhasanah, Ainun Oktaviani, Winda Rahmatuzakiyah, Hana Selvia Ru’yatus Saefullah Setiadi, Rudi Sinta Rohimah, Dede Solehudin, Solehudin Suhud, Mujab Fahmi Sumarna, Agus Suminar, Sani Syukri, Mahmud Wahrudin, Udin Wazin Wazin