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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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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.
Perilaku Konsumsi Warga Muslim di Kelurahan Tegal Alur Kecamatan Kalideres Kota Jakarta Barat dalam Belanja Online Menggunakan Shopee PayLater Handayani, Dwi; Ni’matul Ulya, Husna
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.
Penerapan Digital Marketing Dalam Mendukung Kegiatan Pemasaran Produk UMKM Masyarakat Bekare Indriyani, Firly; Husna Ni'matul Ulya; Indah Trisna Nurhayati; Lidyyana Dwi Rahayu
Welfare : Jurnal Pengabdian Masyarakat Vol. 1 No. 4 (2023): Welfare : Desember 2023
Publisher : Fakultas Ekonomi dan Bisnis Islam, IAIN Kediri

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.30762/welfare.v1i4.982

Abstract

Highly developed technology is utilized for various purposes, including by MSMEs. Some residents feel that technology has an impact on dependency, especially internet use. Utilization of the internet as a means of information technology to carry out business activities for MSMEs. The aim of this community service is to socialize the application of digital marketing to support product marketing for MSMEs in Bekare village, Bungkal subdistrict, Ponorogo district. The method used in this service uses the ABCD method, which provides digital marketing training assistance to MSMEs in Bekare Village. The results of implementing this activity are that mentoring has had a positive impact on the community and MSMEs in Bekare Village in the form of increasing sales, increasing brand awareness, strengthening skills, and improving product quality. In this training, the role of companions is very important in providing support, guidance and motivation for the Bekare Village community. With this community service, the people of Bekare Village can increase their knowledge about the use of social media as a means of introducing effective MSME products.
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.
The Effectiveness of Using BSI QRIS Mobile Payment as a Transaction Medium for MSMEs in Sawoo District Wulan Puspita Sari; Husna Ni'matul Ulya
Falahiya Journal of Islamic Banking and Finance Vol. 4 No. 2 (2025)
Publisher : Institut Agama Islam Negeri Ponorogo

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.21154/falahiya.v4i2.5349

Abstract

Introduction: This paper examines the effectiveness of using QRIS BSI as a mobile payment medium for Micro, Small, and Medium Enterprises (MSMEs) in Sawoo District. The topic is important because digital transactions are increasingly essential for improving efficiency and competitiveness among small business actors in Indonesia. Research Methods: This study uses a qualitative descriptive approach with field research methods involving interviews, observations, and documentation. The analysis applies the Technology Acceptance Model (TAM) framework developed by Davis (1986), which includes indicators of usefulness, efficiency, adaptation barriers, and ease of use. Results: The findings show that QRIS BSI provides benefits in efficiency, safety, and modern business image, especially for younger users. However, older customers face limitations due to low digital literacy and unstable internet networks. Conclusion: QRIS BSI is generally effective in improving transaction efficiency and supporting Islamic financial practices, although further improvements in infrastructure and digital literacy are still required.
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