Article Per Year (5 Year)
p-Index From 2021 - 2026
4.906
P-Index
This Author published in this journals
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 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 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 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

Published : 40 Documents Claim Missing Document
Claim Missing Document
Check
Articles

Found 40 Documents
Search

 1   2   3   4 
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.
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.
PELATIHAN PEMBUATAN PRODUK CELENGAN DARI BARANG BEKAS Ulya, Husna Ni’matul; Andriani, Dela; Pratiwi, Diah Ayu Nanda Anjar; Putri, Frida Ananda
Insan Cita : Jurnal Pengabdian Kepada Masyarakat Vol 6, No 1 (2024): Februari 2024-Insan Cita: Jurnal Pengabdian Kepada Masyarakat
Publisher : Universitas Gorontalo

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.32662/insancita.v6i1.3190

Abstract

Salah satu unsur penyebab persoalan sampah adalah watak warga indonesia yang belebih – lebihan. Watak berlebih - lebihan merupakan salah satu dari banyaknya penyumbang sampah di setiap harinya. Dimana anda harus yakin bahwa setiap pembelian suatu barang atau barang pasti diikuti dengan adanya sampah dari tempat bundling barang tersebut, baik itu yang terbuat dari plastik, kaca, maupun alumunium. Semua langkah yang dilakukan anak-anak untuk melakukan, belajar, dan menemukan sesuatu yang baru yang bermanfaat bagi mereka dan orang lain adalah bagian dari kreativitas mereka. Anak-anak dapat mengolah atau membuat permainan dari bahan daur ulang di lingkungan untuk meningkatkan keterampilan mereka dan mendapatkan pekerjaan. Kegiatan pelatihan produk celengan ini di lakukan untuk memberikan motivasi menabung untuk anak –anak TK serta menambah kreatifitas. Sehingga menumbuhkan watak - watak irit dan cermat sebelum memakai uang serta mengajarkan bagaimana cara mengkreasikan botol bekas menjadi produk yang dapat di gunakan kembali sebagai celengan yang tampak indah serta bernilai tambah. Siswa – siswi TK Dharma Wanita Desa Bekare Kecamatan Bungkal Kabupaten Ponorogo dilatih tentang arti menabung yang sebenarnya, membagikan motivasi tentang indahnya hidup hemat, dan menerapkan kebiasaan menabung sebagai rutinitas yang baik sebagai hasil dari hasil program kerja, diantaranya produksi produk celengan dari botol bekas bersama mahasiswa KPM 90 Monodisiplin IAIN Ponorogo. Sehingga diyakini ketika siswa beranjak dewasa akan lebih baik dalam mengelola anggaran masing-masing, sebab mereka terbiasa hemat dan mempunyai kecenderungan untuk menabung sejak awal.Kata Kunci : Sampah, Kreativitas, Produk
Analisis Pembiayaan Produk Mikro Ekspress pada Usaha Mikro Kecil dan Menengah di Bank Pembiayaan Rakyat Syariah Mitra Mandiri Sukses Gresik Damayanti, Yuditya; Ulya, Husna Ni'matul
Journal of Sharia Economic Law Vol. 1 No. 1 (2023)
Publisher : Institut Agama Islam Sunan Giri Ponorogo

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.37680/jshel.v1i1.2469

Abstract

Pembangunan ekonomi suatu daerah merupakan interaksi dari berbagai kelompok variabel antara lain sumber daya alam, sumber daya manusia, modal, teknologi dan lain-lain.Pertumbuhan dan pembangunan ekonomi sangat berperan penting dalam meningkatkan pendapatan ekonomi daerah termasuk dalam mensejahterakan rakyat. Salah satu sektor yang memainkan peran penting dalam pertumbuha perusahaan nasioanl yaitu UMKM (Usaha Mikro Kecil dan Menengah). Permasalahan yang sering muncul dalam UMKM adalah adanya keterbatasan modal. Kendala modal dapat menghambat tumbuh berkemabangnya usaha. Denagan keberadaan pernakan terkhusus BPRS Mitra Mandirin Sukses Gresik dapat membantu pelaku UMKM menyediakan tambahan modal melalui produk dari BPRS Mitra Mandiri sukses Gresik yaitu produk pembiaaan Mikro Ekspress. Namun, fakta di lapangan ditemukan pembiayaan bermasalah atau pembiayaan macet dari bulan April-Agustus 2022. Adapun penelitian ini merupakan penelitian strategi pemasaran dengan jenis penelitian lapangan (field research) dengan pendekatan kualitatif. Sedangkan metode penelitian menggunakan pendekatan kualitatif. Dan metode pengumpulan data menggunakan observasi lapangan, wawancara serta dokumentasi. Dari penelitian ini dapat disimpulkan bahwa analisis pembiayaan pada produk Mikro Ekspress di BPRS Mitra Mandiri Sukses Gresik menggunakan 5C yaitu character, capacity, capital, collateral dan condition of economy. The economic development of a region is the interaction of various variable groups, including natural resources, human resources, capital, technology and others. Economic growth and development play an essential role in increasing regional economic income, including in the welfare of the people. One of the sectors that plays an essential role in the growth of national companies is MSMEs (Micro, Small and Medium Enterprises). The problem that often arises in MSMEs is the limited capital. Capital constraints can hinder the growth of a business. With the existence of a unique partnership, BPRS Mitra Mandirin Sukses Gresik, can help MSME actors provide additional capital through products from BPRS Mitra Mandiri sukses Gresik, namely Micro Express financing products. However, facts on the ground found problematic or harmful financing from April-August 2022. This research is marketing strategy research with a type of field research with a qualitative approach. While the research method uses a qualitative approach. And the data collection method uses field observation, interviews and documentation. From this research, it can be concluded that the financing analysis on the Micro Express product at BPRS Mitra Mandiri Sukses Gresik uses 5C, namely character, capacity, capital, collateral and condition of economy.
Equitable and Sustainable Economy: A Study on the Relevance of the Low-Carbon Economy to Maslahah Mursalah Ulya, Husna Ni'matul; Humaidi, Muchtim; Abdullah, Umar; Frafika Sari, Ima
Journal of Islamic Economics and Finance Studies Vol 6 No 1 (2025): JIEFeS, June 2025
Publisher : Universitas Pembangunan Nasional Veteran Jakarta

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.47700/jiefes.v6i1.10754

Abstract

This study examines the environmental consequences of unsustainable economic growth by exploring the alignment between low-carbon economic initiatives and the Islamic principle of maslahah mursalah. The research is motivated by widening the gap between environmental degradation and ethical responsibility in economic development. The objective is to analyze how low-carbon policies correspond with Islamic economic objectives grounded in the pursuit of public benefit. This study employs a qualitative research approach, using documentary analysis, of policy documents, academic literature, and reports on low-carbon economic policies and maslahah mursalah. Through content analysis, this study investigates the relationship between low-carbon economic objectives and maslahah mursalah by identifying key themes and patterns in the literature. The findings reveal that low-carbon policies, which aim to reduce emissions and foster sustainable growth are consistent with maslahah mursalah as they prevent environmental harm that threatens human week-being. These policies address maslahah across the levels of dharuriyah (necessities), hajiyyat (complementary needs), and tahsiniyyat (enhancements). Furthermore, transitioning to a low-carbon economy supports   long-term economic resilience and ecological balance, thereby reinforcing the ethical obilation to safeguard the welafare of future generations. This study contributes to the field of Islamic economic by demonstrating the applicability of maslahah mursalah in confronting contemporary environmental and developmental challenges.
Peningkatan Inovasi Produk Keripik Tempe "Cipta Rasa" di Ketawang Madiun: Enhancement of Tempe Chip’s Product Innovation "Cipta Rasa" in Ketawang Madiun Ulya, Husna Ni'matul; Shadruddin, Renaldin; Ayu, Diyan Putri
Amalee: Indonesian Journal of Community Research and Engagement Vol. 3 No. 1 (2022): Amalee: Indonesian Journal of Community Research and Engagement
Publisher : LP2M INSURI Ponorogo

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.37680/amalee.v3i1.1290

Abstract

The small industrial sector is one alternative form to support economic growth in long-term development in Indonesia. Development of an industry must be supported by cooperation between industries in an effort to increase the volume of production. This research was conducted in Ketawang Village, Dolopo Subdistrict, Madiun Regency. Devotional activities are carried out with research-based aimed at increasing the volume of tempeh chips production in Ketawang, Madiun regency. The method used in this devotion is the ABCD method which consists of inculturation, discovery, design, define, and reflection activities. Data is collected through interview methods, observations and documentation. The results of the analysis obtained from the results of the study said that the taste variant on the product has a significant influence on the increase in production volume and economic growth in small industries, which can help the economy in Ketawang because of the main constraints of the lack of income of these chips, namely due to the lack of production volume. Sektor industri kecil merupakan salah satu bentuk alternatif untuk mendukung pertumbuhan ekonomi dalam pembangunan jangka panjang di Indonesia. Perkembangan suatu industri harus didukung dengan kerjasama antar industri dalam upaya meningkatkan volume produksi. Pengabdian dilakukan di Desa Ketawang, Kecamatan Dolopo, Kabupaten Madiun. Kegiatan pengabdian dilakukan dengan berbasis penelitian yang bertujuan untuk meningkatkan volume produksi keripik tempe di Ketawang, Kabupaten Madiun. Metode yang digunakan dalam pengabdian ini adalah metode ABCD yang terdiri dari kegiatan inkulturasi, discovery, design, define, dan reflection. Data dikumpulkan melalui metode wawancara, observasi dan dokumentasi. Berdasarkan hasil penelitian menunjukkan bahwa dengan adanya inovasi varian rasa dan pengemasan pada produk dapat memberikan sumbangan terhadap peningkatan volume produksi dan pertumbuhan ekonomi pada industri kecil, sehingga dapat membantu perekonomian di Ketawang dari kurangnya pendapatan keripik tempe ini, yaitu kurangnya inovasi pada produk.
Pendampingan Sertifikasi Halal Produk Makanan Usaha Mikro dan Kecil Melalui Website SIHALAL Setyowati, Ratna Dewi; Cahyani, Putri Gita; Annisa, Nurul; Ulya, Husna Ni’matul
Ngarsa: Journal of Dedication Based on Local Wisdom Vol. 4 No. 1 (2024): Ngarsa: Journal of Dedication Based on Local Wisdom
Publisher : LP2M UIN Kiai Haji Achmad Siddiq Jember

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.35719/ngarsa.v4i1.424

Abstract

Understanding halal products in the digital era makes people smarter in choosing the products they want to buy. The importance of a product having halal certification will make it a branding tool in itself so that it will generate public trust in using the product. Bekare Village, Bungkal District, Ponorogo Regency, has many micro and small businesses as one of the community's jobs besides being farmers. However, they do not yet realize the importance of having protection tools that have been established by law, such as halal certification. The aim of this service is to provide an understanding of halal certification and help people obtain halal certificates. This service uses the service-learning method, namely applying the knowledge possessed by students and lecturers to the local community. This service succeeded in transforming the knowledge of the Bekare Village community regarding halal certification. They originally had the principle that the important thing was to sell the product and get their capital back. Currently they realize the importance of halal certificates for marketing and developing their business products. This service also succeeded in facilitating four micro and small businesses in obtaining halal certificates from the Ministry of Religious Affairs. Keywords: Assistance with halal certification, Self declare, Food products, Micro and Small Enterprises Abstrak: Pemahaman produk halal di era yang serba digital menjadikan masyarakat semakin pandai memilih produk yang akan dibelinya. Pentingnya suatu produk yang memiliki sertifikasi halal akan menjadikan alat branding tersendiri sehingga akan menghasilkan kepercayaan masyarakat dalam menggunakan produk tersebut. Desa Bekare, Kecamatan Bungkal, Kabupaten Ponorogo, memiliki banyak usaha mikro dan kecil sebagai salah satu pekerjaan masyarakat di samping sebagai petani. Namun, mereka belum menyadari pentingnya memiliki alat perlindungan yang telah ditetapkan UU seperti sertifikasi halal. Tujuan pengabdian ini adalah untuk memberi pemahaman tentang sertifikasi halal dan membantu masyarakat memperoleh sertifikat halal. Pengabdian ini menggunakan metode service-learning yaitu menerapkan pengetahuan yang dimiliki para mahasiswa dan dosen kepada masyarakat setempat. Pengabdian ini berhasil mentransformasi pengetahuan masyarakat Desa Bekare mengenai sertifikasi halal. Mereka semula berprinsip bahwa yang penting produk terjual habis dan memperoleh modal kembali. Saat ini mereka menyadari pentingnya sertifikat halal bagi pemasaran dan pengembangan produk-produk usaha mereka. Pengabdian ini juga berhasil menfasilitasi empat usaha mikro dan kecil dalam memperoleh sertifikat halal dari Kementerian Agama. Kata kunci: Pendampingan sertifikasi halal, Self declare, Produk makanan, Usaha Mikro dan Kecil
TUMBUH MELEWATI TRAUMA: KEKUATAN PSIKOLOGIS PADA ORANG DEWASA DENGAN PENGALAMAN BROKEN HOME Ulya, Husna Ni’matul; Ilma, Mughniatul; Al Baqi, Safiruddin
ROSYADA: Islamic Guidance and Counseling Vol. 6 No. 1 (2025): Rosyada: Islamic Guidance and Counseling
Publisher : Institut Agama Islam Negeri Ponorogo

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

Abstract

This study aimed to explore the psychological strengths that enable adults with broken home experiences in childhood to survive emotionally and construct meaningful, stable lives. Using a qualitative approach with Interpretative Phenomenological Analysis (IPA), five adult participants who experienced parental divorce before the age of 15 were interviewed in depth. The analysis produced six major themes reflecting their psychological resilience: (1) self-acceptance, (2) positive relationships, (3) independence, (4) adaptability, (5) life goals and direction, and (6) developing potential. Participants described a transformative journey in which early emotional wounds became the foundation for strength and growth. Self-acceptance emerged through reflection, spiritual grounding, and reframing of guilt. Positive relationships were formed through emotional boundaries, trust-building, and the creation of safe relational spaces. Independence developed through early financial and emotional self-reliance, while adaptability was shaped by sensitivity to change and social flexibility. Participants also demonstrated clear life direction, often driven by the desire to break negative family cycles. Finally, they exhibited strong motivation for continuous learning and self-actualization. These findings challenge deficit-based perspectives on children of divorce and highlight the agency and resilience of survivors. The study offers implications for psychological support systems that emphasize strength-based approaches and post-traumatic growth.
Religious Penetration in the Global Era: Case Study of Freedom to Choose Religion in the Family Ulya, Husna Ni’matul; Maliha, Novi Fitia; Soenjoto, Wening Purbatin Palupi
Jurnal Antologi Hukum Vol. 5 No. 2 (2025)
Publisher : Fakultas Syariah Universitas Islam Negeri Kiai Ageng Muhammad Besari Ponorogo

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.21154/antologihukum.v5i2.5430

Abstract

Advances in technology and religious learning can be done through virtual media, but negative impacts can arise because religious figures are virtual. Technological advances in all aspects mark Indonesia's freedom of religion in this global era. And the reduced role model of religion at home and in the environment. There are many families consisting of more than one religion. The impact is that this is considered a natural thing in society. Based on the above assumptions, the researcher is interested in researching Religious Penetration in the Global Era (Case Study of Freedom to Choose Religion in the Family). This study uses qualitative research methods and case studies based on search, library, interview, observation, and triangulation techniques in finding and decomposing the data presented with the results of observations to be analysed descriptively. The study results show that religious freedom in the family should be based on positive reinforcement and constructive negative reinforcement to obtain behaviour that is by the correct legal and legal basis in applying religious freedom.
Co-Authors AA Sudharmawan, AA Abdullah, Umar Andriani, Dela Ayu, Diyan Putri Cahyani, Putri Gita Damayanti, Yuditya Dwi Handayani Eka Nursafitri Eka Nursafitri Febriana, Indri Felianti Dwi Wulandari Fitriah, Ika Humaidi, Muchtim Ilma, Mughniatul Ima Frafika Sari Indah Mahardya Putri 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 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 Wulandari, Felianti Dwi