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All Journal ABDIMAS SILIWANGI J-MPI (Jurnal Manajemen Pendidikan Islam) Dialogia: Jurnal Studi Islam dan Sosial El-Barka: Journal of Islamic Economics and Business Amalee: Indonesian Journal of Community Research & Engagement Jurnal Baabu Al-ilmi : Ekonomi dan Perbankan Syariah Insan Cita Jurnal Pengabdian Kepada Masyarakat El-Wasathiya: Jurnal Studi Agama Bertuah : Jurnal Syariah dan Ekonomi Islam Etos : Jurnal Pengabdian Masyarakat Journal of Islamic Economics and Finance Studies An-Nisbah : Jurnal Perbankan Syariah Ma'alim: Jurnal Pendidikan Islam Etihad: Journal of Islamic Banking and Finance Velocity: Journal of Sharia Finance and Banking Journal of Islamic Economics Niqosiya: Journal of Economics and Business Research ROSYADA: Islamic Guidance and Counseling Abdimas Indonesian Journal Mutanaqishah: Journal of Islamic Banking Cerdika: Jurnal Ilmiah Indonesia Velocity: Journal of Sharia Finance and Banking Jurnal Antologi Hukum NGARSA: Journal of Dedication Based on Local Wisdom Journal of Sharia Economic Law Welfare: Jurnal Pengabdian Masyarakat Falahiya Amaluna: Jurnal Pengabdian Masyarakat Nidhomiya: Research Journal of Islamic Philanthropy and Disaster Khidmatuna: Jurnal Pengabdian Masyarakat BAABU AL-ILMI: Ekonomi dan Perbankan Syariah
Ulya, Husna Ni'matul
Institut Agama Islam Negeri Ponorogo
Religion Agriculture, Biological Sciences & Forestry Arts Humanities Decision Sciences, Operations Research & Management Economics, Econometrics & Finance Education Environmental Science Health Professions Industrial & Manufacturing Engineering Languange, Linguistic, Communication & Media Law, Crime, Criminology & Criminal Justice Library & Information Science Public Health Social Sciences Other

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Penguatan UMKM Melalui Pembuatan Merek Dagang dan Label pada UMKM Jajanan Camilan di Desa Joresan Mlarak Ponorogo Husna Ni'matul Ulya; Ravina Putri Agustin
Amaluna: Jurnal Pengabdian Masyarakat Vol. 1 No. 1 (2022)
Publisher : Institut Agama Islam Negeri Ponorogo

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.21154/amaluna.v1i1.1069

Abstract

Micro Small Medium Enterprises (MSMEs) are the most strategic national economic sectors and concern the lives of many people, so MSMEs can become the backbone of the national economy. Small and Medium Micro Enterprises (MSMEs) are also sectors that absorb the workforce and can improve community welfare. The existence of small and medium micro-businesses (MSMEs) in Joresan village itself is one of the supporting factors for the community's economy. This is because MSMEs are efforts that have never disappeared along with the development of the times. In this pandemic, the social restriction was proclaimed by the government to cut the Covid-19 distribution chain could cause a decrease in income for the MSMEs. By using the ABCD approach, the authors take steps that include inculturation, discovery, design, define, and reflection. Departing from the problem, the author was interested in taking the economic aspects as the DDR KPM program in Joresan Village. With the reinforcement of MSMEs through the manufacture of trademarks, product label repairs and help the production process for light shackles and help free marketing for products/services by collaborating with KPM DDR participants from Joresan Village and Karang Taruna Karsa Joresan Village. From the results of the implementation of the program, light snack products have increased in production. While in the implementation of an online marketing program, it has succeeded in introducing Joresan Village products/services.
Perilaku Konsumsi Warga Muslim di Kelurahan Tegal Alur Kecamatan Kalideres Kota Jakarta Barat dalam Belanja Online Menggunakan Shopee PayLater Dwi Handayani; Husna Ni’matul Ulya
Cerdika: Jurnal Ilmiah Indonesia Vol. 5 No. 5 (2025): Cerdika: Jurnal Ilmiah Indonesia
Publisher : Publikasi Indonesia

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.59141/cerdika.v5i5.2666

Abstract

Penelitian ini bertujuan untuk menganalisis perilaku konsumsi warga Muslim di Kelurahan Tegal Alur, Kalideres, Jakarta Barat dalam berbelanja online menggunakan metode pembayaran Shopee PayLater serta dampaknya ditinjau dari perspektif ekonomi Islam. Penelitian ini menggunakan pendekatan kualitatif dengan metode penelitian lapangan. Data diperoleh dari lima informan melalui teknik purposive sampling, dengan pengumpulan data melalui wawancara, observasi, dan dokumentasi. Hasil penelitian menunjukkan bahwa kemudahan penggunaan, promo menarik, fleksibilitas pembayaran, serta pengaruh lingkungan sosial menjadi faktor utama yang mendorong perilaku konsumtif. Warga cenderung berbelanja impulsif, membeli barang yang tidak dibutuhkan, dan mengalami kesulitan dalam pengelolaan keuangan, menabung, serta berinfaq. Temuan ini menunjukkan ketidaksesuaian dengan prinsip konsumsi dalam Islam, yang menekankan keseimbangan, kesederhanaan, dan penghindaran pemborosan. Dampak positif Shopee PayLater seperti aksesibilitas dan peningkatan daya beli turut diakui, namun lebih banyak ditemukan konsekuensi negatif yang mengarah pada ketidakstabilan finansial pribadi. Penelitian ini memberikan kontribusi empiris terhadap studi perilaku konsumsi digital dalam perspektif syariah dan dapat menjadi dasar bagi pengembangan edukasi keuangan Islami serta pengembangan kebijakan pembayaran digital yang lebih etis dan berkelanjutan.
Evaluating the Effect of Mudharabah and Murabahah Financing on Return on Assets Mediated by Non-Performing Financing at BMT Hasanah Ponorogo Febriana, Indri; Ulya, Husna Ni’matul
Etihad: Journal of Islamic Banking and Finance Vol. 4 No. 1 (2024)
Publisher : UIN Kiai Ageng Muhammad Besari Ponorogo

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.21154/etihad.v4i1.9458

Abstract

Introduction: This study explores how mudharabah and murabahah financing affect Return on Asset (ROA) and the role of Non-Performing Financing (NPF) as an intervening variable at BMT Hasanah Ponorogo. Research Methods: This study employs regression analysis with NPF as an intervening variable. The data analyzed are the quarterly financial reports of BMT Hasanah Ponorogo from 2019 to 2023, focusing on the relationships between mudharabah financing, murabahah financing, ROA, and NPF. Results: The analysis reveals that mudharabah and murabahah financing significantly impact ROA directly and through NPF as an intervening variable. An increase in financing can enhance ROA, with NPF mediating the relationship between financing and ROA. Conclusion: This study finds that mudharabah and murabahah financing affect ROA, with NPF as an intervening variable. Effective risk management in financing is crucial for improving ROA at BMT Hasanah Ponorogo.
PARADIGMA KEMISKINAN DALAM PERSPEKTIF ISLAM DAN KONVENSIONAL Ulya, Husna Ni`matul
El-Barka Journal of Islamic Economics and Business Vol. 1 No. 1 (2018)
Publisher : El-Barka

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.21154/elbarka.v1i1.1448

Abstract

Abstract: Poverty is a condition where a person or groups of people, male and female, are unable to fulfill their basic rights to maintain and develop a dignified life. The dimensions of poverty are interrelated, both directly and indirectly, it means that progress and setbacks in one aspect can affect progress and decline in other aspects, and another aspect of poverty is that the poor are human beings, either individual or collective. The latest data in March 2018 mentions that the number of poverty in Indonesia as many as 25, 95 millions of people. The causes of poverty vary, depending on the type of poverty itself, as well as there are many different poverty indicators. Poverty reduction efforts are carried out by providing basic needs such as food, health and education services, expansion of employment opportunities, agricultural development, and provision of revolving funds through the credit system, infrastructure development and assistance, sanitation counseling and so on. Islam provides solutions to solve the poverty alleviation such as working obligation, income redistribution (zakat), infaq, etc. Ø§Ù„ملخص:الفقر هو حالة لا يستطيع فيها شخص أو مجموعة من الناس،ذكوراً وإناثاً ØŒ أن يفيوا بحقوقهم الأساسية في الحفاظ على حياة كريمة وتطويرها. إن أبعاد الفقر مترابطة ØŒ سواء بشكل مباشر أو غير مباشر ØŒ وهذا يعني أن التقدم والنكسات في أحد الجوانب يمكن أن تؤثر على التقدم والانحدار في جوانب أخرى ØŒ وجانب آخر من جوانب الفقر هو أن الفقراء هم بشر ØŒ فرد أو جماعي. تشير أحدث البيانات في مارس 2018 إلى عدد من يعانون الفقر في إندونيسيا يصل إلى 25 ØŒ 95 مليون شخص. تختلف أسباب الفقر ØŒ تبعاً لنوع الفقر نفسه ØŒ فضلاً عن وجود العديد من مؤشرات الفقر المختلفة. ويتم بذل جهود الحد من الفقر من خلال توفير الاحتياجات الأساسية مثل الغذاء والصحة وخدمات التعليم ØŒ وتوسيع فرص العمل ØŒ والتنمية الزراعية ØŒ وتوفير الأموال المتجددة من خلال نظام الائتمان ØŒ وتطوير البنية التحتية والمساعدة ØŒ والمشورة الصحية وغيرها. يوفر الإسلام حلاً للتخفيف من حدة الفقر ØŒ من بين أمور أخرى ØŒ مع اقتراح العمل للمسلمين ØŒ وإعادة توزيع الدخل في شكل الزكاة ØŒ infaq والصدقات وما إلى ذلك.Abstrak: Kemiskinan sebagai kondisi dimana seseorang atau sekelompok orang, laki-laki dan perempuan, tidak mampu memenuhi hak-hak dasarnya untuk mempertahankan dan mengembangkan kehidupan yang bermartabat. Dimensi-dimensi kemiskinan saling berkaitan, baik secara langsung maupun tak langsung, hal ini berarti bahwa kemajuan dan kemunduran pada salah satu aspek dapat mempengaruhi kemajuan dan kemunduran pada aspek lainnya, dan aspek lainnya dari kemiskinan ini adalah bahwa yang miskin itu adalah manusianya, baik secara individual maupun kolektif. Data terakhir pada bulan Maret tahun 2018 menyebutkan jumlah kemiskinan di Indonesia sebanyak 25, 95 juta penduduk.  Penyebab kemiskinan berbeda-beda, tergantung dengan jenis kemiskinan itu sendiri, begitu pula ada banyak indikator kemiskinan yang berbeda-beda. upaya penanggulangan kemiskinan dilakukan dengan penyediaan kebutuhan dasar seperti pangan, pelayanan kesehatan dan pendidikan, perluasan kesempatan kerja, pembangunan pertanian, pemberian dana bergulir melalui sistem kredit, pembangunan prasarana dan pendampingan, penyuluhan sanitasi dan sebagainya.  Islam memberikan solusi dalam pengentasan kemiskinan, antara lain dengan adanya anjuran untuk bekerja bagi umat muslim, adanya redistribusi pendapatan berupa zakat, infaq dan sedekah dan lain sebagainya.
Alternatif Strategi Penanganan Dampak Ekonomi Covid-19 Pemerintah Daerah Jawa Timur Pada Kawasan Agropolitan Ulya, Husna Ni’matul
El-Barka Journal of Islamic Economics and Business Vol. 3 No. 1 (2020)
Publisher : El-Barka

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.21154/elbarka.v3i1.2018

Abstract

Abstract: The COVID-19 pandemic had a significant impact on the order of life of the world community, including in Indonesia. Besides health impacts, the pandemic also has economic impacts, so that it encourages the government to make various policies to overcome these impacts, including by forming task forces both at the central and regional levels. Policy by optimizing state and regional budgets for the needs of preventing the spread and handling of COVID-19 health impacts and optimizing the potential of the local economy for meeting the needs of the community in a sustainable manner. East Java is a superior area in agriculture which includes animal husbandry, fisheries, plantations, and forestry. One of the programs implemented is the development of agropolitan areas which are agricultural-based economic development in agribusiness areas, designed and implemented by synergizing the various potentials that exist to encourage the development of competitive, populist-based, sustainable and decentralized agribusiness business systems. and facilitated by the government. This study uses a literature study approach with the aim of exploring alternative East Java government policies in order to address the economic impact of COVID-19 by maximizing the agropolitan area. The results of the research resulted in the formulation by maximizing the development of the agropolitan area by strengthening regulations and expanding the agropolitan area to other regions / cities, and utilizing online media in the implementation including the marketing system of products from this agropolitan area even though it was in a pandemic.Abstrak: Pandemi COVID-19 memberikan dampak yang signifikan terhadap tatanan kehidupan masyarakat dunia termasuk di Indonesia. Selaian dampak kesehatan, pandemi juga memberikan dampak ekonomi, sehingga medorong pemerintah untuk membuat berbagai kebijakan untuk menanggulangi dampak tersebut, diantaranya adalah dengan membentuk satuan tugas baik di pusat maupun daerah.  Kebijakan dengan mengoptimalkan anggaran negara dan daerah untuk kebutuhan pencegahan penyebaran dan penanganan dampak kesehatan COVID-19 dan optimalisasi potensi ekonomi lokal untuk pemenuhan kebutuhan masyarakat secara berkelanjutan.  Jawa timur merupakan daerah yang unggul di bidang pertanian yang meliputi peternakan, perikanan, perkebunan, dan kehutanan. Salah satu program yang dijalankan adalah pengembangan kawasan agropolitan yang merupakan pembangunan ekonomi berbasis pertanian di kawasan agribisnis, dirancang dan dilaksanakan dengan cara mensinergikan berbagai potensi yang ada untuk mendorong berkembangnya sistem usaha agribisnis yang berdaya saing, berbasis kerakyatan, berkelanjutan dan terdesentralisasi, serta digerakan oleh masyarakat dan difasilitasi pemerintah. Penelitian ini menggunakan pendekatan studi literatur dengan tujuan untuk menggali alternatif kebijakan pemerintah Jawa Timur dalam rangka menangani dampak ekonomi COVID-19 dengan memaksimalkan kawasan agropolitan. Hasil Penelitian menghasilkan fomulasi dengan memaksimalkan pengembangan kawasan agropolitan dengan penguatan regulasi serta perluasan kawasan agropolitan ke wilayah/kota lain, dan memanfaatkan media online di dalam pelaksanaan termasuk sistem pemasaran produk dari kawasan agropolitan ini meskipun sedang dalam masa pandemi.
PENERAPAN AKAD IJARAH MUNTAHIYA BITTAMLIK (IMBT) PADA TRANSAKSI LEMBAGA KEUANGAN SYARIAH Ulya, Husna Ni'matul
El-Wasathiya: Jurnal Studi Agama Vol. 6 No. 1 (2018)
Publisher : Sekolah Tinggi Agama Islam Nahdlatul Ulama Madiun

Show Abstract | Download Original | Original Source | Check in Google Scholar | Full PDF (4334.305 KB) | DOI: 10.5281/zenodo.3523126

Abstract

Abstrak: Perbankan syariah memiliki pola pembiayaan/penyalurandana berupa jual beli, bagi hasil dan sewa. Sewa yang dimaksud adalahijarah, yaitu suatu jenis akad untuk mengambil manfaat dengan jalanpenggantian (penjualan manfaat). Sedangkan ijarah muntahiya bittamlikadalah bentuk lain dari ijarah di mana persewaan diikuti oleh kepemilikanbarang oleh nasabah. Dasar hukum yang mengatur akad ijarah ini dapatdiambil dari al-Qur’an, hadits, kaidah fiqh, Undang-Undang, KHES,Surat Edaran Bank Indonesia, fatwa Dewan Syariah Nasional dan lainlain.Di dalam pembiayaan IMBT berbeda dengan leasing (sewa beli), dimana perbedaanya terdapat pada saat pengalihan kepemilikan.Kata kunci: Ijarah, Ijarah Muntahiya Bittamlik.
GREEN ECONOMY: RECONCEPTION OF ISLAMIC ECONOMIC'S JUSTICE PRINCIPLE Ni'matul Ulya, Husna
El-Wasathiya: Jurnal Studi Agama Vol. 10 No. 01 (2022): Juni
Publisher : Sekolah Tinggi Agama Islam Nahdlatul Ulama Madiun

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.35888/el-wasathiya.v10i01.4659

Abstract

Changes and environmental damage due to economic activity in an economic system that impacts the scarcity of natural resources give rise to a new concept of a green economic system that continues the concept of sustainable development. The green economy can be understood by one keyword of justice for inter and intra-generation. In Islamic economics, this concept already existed before the thought of sustainable development in 1987 and green economy in 1989. This research aims to analyse and compare the concept of justice from the green economy and Islamic economics perspective using a qualitative approach in literature research from various secondary sources (books, articles, rules, and internet data). This study shows a relationship in the concept of value or the principle of justice in the green economy or Islamic economics conception. The equation lies in how the goal will be achieved. The difference in conception between the two lies on which the two systems are based and the epistemology of both. Green economics is rooted in the development of western economics, starting from Adam Smith and followed by other western economic scientists. In contrast, Islamic economics is based on the Qur'an and Hadith. The community’s welfare is determined by economic activities that maintain justice for inter and intra-generation in all fields. Keywords: green economy, sustainable development, justice, Islamic economy
INCREASING LITERACY OF ISLAMIC PRODUCTS IN THE BEKARE COMMUNITY: PENINGKATAN LITERASI PRODUK KEUANGAN SYARIAH PADA MASYARAKAT BEKARE Romadhoni, Cindy Fatika; Sa’adah, Cindy Kaela; Fitriah, Ika; Ulya, Husna Ni’matul
Khidmatuna: Jurnal Pengabdian Masyarakat Vol. 3 No. 1 (2024): Juni
Publisher : Lembaga Penelitian dan Pengabdian Kepada Masyarakat STAI Al Fithrah Surabaya

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.36781/khidmatuna.v3i01.478

Abstract

The socialization activity which was carried out with the theme of increasing literacy in Islamic financial products was carried out on July 20, 2023 at the Bekare village hall, Bungkal District. The purpose of this activity is to expand public knowledge about Islamic banking, change people's mindset in managing finances, and introduce sharia-based financing products so that it is hoped that the public can understand, choose and use sharia financial products and services according to their needs. The method of collecting data from activities carried out using descriptive quantitative data using a questionnaire using a Likert Scale approach consisting of S (Agree), KS (Disagree), TS (Disagree) during the pre-test and post-test with 10 questions. From the results of the pre-test data above, it can be concluded that the 22 participants each understood the importance of literacy in Islamic financial products which included question 1 (73%), question 2 (82%), question 3 (95%), question 4 (23 %), question 5 (59%), question 6 (50%), question 7(68%), question 8 (36%), question 9 (86%), and question 10 (77%). From the results of the post-test data above, it can be concluded that the 22 participants each understood the importance of literacy in Islamic financial products which included question 1 (100%), question 2 (100%), question 3 (95%), question 4 (91%), question 5 (95%), question 6 (95%), question 7 (9%), question 8 (86%), question 9 (95%), and question 10 (95%). It can be concluded that this socialization activity using the lecture method and question and answer session has succeeded in significantly increasing participants' understanding of Islamic financial product literacy, although there is still potential to increase understanding in certain aspects.
Pengaruh Promosi, Kemudahan, dan Manfaat Terhadap Keputusan Penggunaan Transfer Shopeepay Mahasiswa FEBI IAIN Ponorogo Wulandari, Felianti Dwi; Ulya, Husna Ni’matul
Jurnal BAABU AL-ILMI: Ekonomi dan Perbankan Syariah Vol 8, No 1 (2023): Islamic economics and banking research
Publisher : Universitas Islam Negeri Fatmawati Sukarno Bengkulu

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.29300/ba.v8i1.2873

Abstract

One of the most popular types is e-wallet is ShopeePay. ShopeePay is the first and largest digital payments in Indonesia. ShopeePay continues to add to its product innovations, one of the innovations is the transfer feature to various banks. This study aims to determine the effect of promotion, convenience and benefits on the decision to use ShopeePay transfers for FEBI IAIN Ponorogo students. This research is classified as quantitative research. The population in this study were FEBI IAIN Ponorogo students with a sample size of 100 students, who had used the ShopeePay transfer feature. The sampling technique used Cochran using multiple linear regression analysis methods using the SPSS 25 program. The results showed that the influence of promotion, convenience and benefits had a significant effect on the decision to use the ShopeePay transfer for FEBI IAIN Ponorogo students. Then from the test results the coefficient of determination (R2) shows that perceived promotion, perceived convenience and perceived benefits affect interest in use by 45%, the remaining 55% is influenced by other factors / variables outside this research.
Pengaruh Persepsi Manfaat, Persepsi Kemudahan Penggunaan, dan Kepercayaan terhadap Minat Nasabah Menggunakan Muamalat Digital Islamic Network di Bank Muamalat KCP Madiun Fatin Alfiah Rahmah; Husna Ni’matul Ulya
Mutanaqishah: Journal of Islamic Banking Vol. 3 No. 1 (2023): June 2023
Publisher : Department of Islamic Banking

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.54045/mutanaqishah.v3i1.760

Abstract

The use of digital transactions is still relatively low in Indonesia, along with the low number of uses of Muamalat DIN at Bank BMI KCP Madiun along with the increasingly attractive features in Muamalat DIN. Of the many studies on the use of banking technology, this research is a research development from previous studies using the Technology Acceptance Model theory. The purpose of this study was to examine the effect of perceived usefulness, perceived ease of use, and partial or simultaneous trust on customers' interest in using Muamalat DIN at BMI KCP Madiun.The method used in this study is a quantitative method by collecting questionnaire data distributed to customers of Bank Muamalat KCP Madiun. The sample of this research was 95 respondents who were taken by incidental sampling technique. Methods of data analysis using multiple linear regression test, classic assumption test, hypothesis testing (t test and F test), which then the data is processed using the IBM SPSS Statistics 25 application.The results of the t test show that the perceived benefit variable has a t_count value of 0.882 <1.986 so that the perceived benefit has no effect on interest, the perceived ease of use variable has a t_count value of 3.698 > 1.986 so the perceived ease of use has a significant positive effect on interest, the trust variable has a t_count of 4.065 > 1986 so that trust has a significant positive effect on interest. Based on the F test it is known that f_count is 30.395 <3.098 so it can be concluded that perceived usefulness, perceived ease of use, and trust simultaneously have a positive and significant effect on intention to use.
Co-Authors AA Sudharmawan, AA Abdullah, Umar Andriani, Dela Ayu, Diyan Putri Bayu, Tri Bayu Bimantara Eka Putra Cahyani, Putri Gita Damayanti, Yuditya Dwi Handayani Dwi Handayani Eka Nursafitri Eka Nursafitri Fatin Alfiah Rahmah Febriana, Indri Felianti Dwi Wulandari Fitriah, Ika Humaidi, Muchtim Ika Fitriah Ilma, Mughniatul Ima Frafika Sari Indah Mahardya Putri Indah Trisna Nurhayati Indriyani, Firly Lidyyana Dwi Rahayu Maliha, Novi Fitia Mohammad Ridwan Mutiara, Dea Nur Eka Nanda Afrita Veronica Nia Zainul Mar'ati Niken Ayu Wulandari Nova Titin Lestari Novita Dwi Rachmawati Nur Mahmudah, Siti Nur Roikhatul Jannah NURUL ANNISA Pratiwi, Diah Ayu Nanda Anjar Putri, Frida Ananda Ratna Dewi Setyowati Ravina Putri Agustin Romadhoni, Cindy Fatika Safiruddin Al Baqi, Safiruddin Sari, Nia Dwi Kartika Sa’adah, Cindy Kaela Shadruddin, Renaldin Siti Nur Mahmudah Soenjoto, Wening Purbatin Palupi Wening Purbatin Palupi Soenjoto Wulan Puspita Sari Wulandari, Felianti Dwi