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All Journal Pendas : Jurnah Ilmiah Pendidikan Dasar Jurnal Ilmiah MEA (Manajemen, Ekonomi, dan Akuntansi)
Maghfur, Ifdlolul
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Decision Sciences, Operations Research & Management Economics, Econometrics & Finance Other

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CREDIT UNION SEBAGAI MODEL PENINGKATAN KUALITAS LAYANAN DALAM MEMBANGUN KEPUASAAN KONSUMEN PERSPEKTIF BISNIS ISLAM Wulandari, Sri; Maghfur, Ifdlolul; Dayat, M
Jurnal Ilmiah Manajemen, Ekonomi, & Akuntansi (MEA) Vol 8 No 2 (2024): Edisi Mei - Agustus 2024
Publisher : LPPM STIE Muhammadiah Bandung

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.31955/mea.v8i2.4164

Abstract

Credit Union Sawiran Jawa Timur merupakan salah satu koperasi yang selalu berupaya untuk terus mengoptimalkan pelayanan prima sehingga tujuan koperasi dapat tercapai, yaitu mendorong peningkatan kesejahteraan anggota koperasi. Penelitian ini membuktikan bahwa dengan budaya kelembagaan yang terimplementasi dengan baik, CU Sawiran memiliki daya tarik (1) Terbukti credit union ini merupakan bentuk semangat yang diadopsi oleh KSP CU Sawiran ketika memulai bisnis operasionalnya. Lembaga ini menggunakan semangat Credit Union (self help) melalui semangat yang secara alami berasal dari dalam diri mereka (2) Layanan yang diberikan dengan semangat Credit Union yang dianut oleh CU Sawiran sesuai dengan beberapa prinsip pelayanan sesuai prinsip Islam, yaitu Prinsip Pertolongan (Ta'awun), Prinsip Memberi Kemudahan (At-taysir), Prinsip Kesetaraan (Musawah), Prinsip Saling Mencintai (Muhabbah), Prinsip Lemah Lembut (Al-layin), Prinsip Keluarga (Ukhuwah). Islam menekankan validitas suatu layanan yang memiliki niat baik (3) Credit Union bahwa lembaga keuangan dapat mengambil bentuk apapun, tidak harus koperasi. Segala bentuk lembaga keuangan dapat mengikuti semangat Credit Union dimana pendampingan, pendidikan anggota dan sebagainya harus dilakukan
EFEKTIVITAS PENENTUAN PRIORITAS MUSTAHIQ DALAM PROGRAM RUMAH BINAAN LAZ SIDOGIRI Salim; Maghfur, Ifdlolul; Dayat, M.
Pendas : Jurnal Ilmiah Pendidikan Dasar Vol. 11 No. 02 (2026): Volume 11 Nomor 02, Juni 2026 Published
Publisher : Program Studi Pendidikan Guru Sekolah Dasar FKIP Universitas Pasundan

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.23969/jp.v11i02.52484

Abstract

This study aims to analyze the effectiveness of the mechanism for determining the priority scale of mustahiq in the Fostered Housing Development Program (Program Pembangunan Rumah Binaan/PRB) implemented by LAZ Sidogiri in Rembang District. The study is motivated by the high demand for adequate housing assistance among low-income communities, which is not proportional to the limited availability of zakat funds. Therefore, an objective, accountable, and well-targeted selection mechanism is required. This research employed a qualitative approach with a descriptive-evaluative design. Data were collected through document analysis, literature review, and examination of relevant studies related to zakat distribution and housing assistance programs. Data analysis was conducted through data reduction, data presentation, and conclusion drawing. The findings indicate that the priority determination mechanism has been implemented systematically through administrative verification, field surveys, and beneficiary selection. The mechanism is considered sufficiently effective in directing assistance to mustahiq with inadequate housing conditions and urgent needs. However, several challenges remain, including limited and non-integrated data systems, the absence of standardized assessment indicators, and the potential subjectivity of field survey officers during the evaluation process. Furthermore, the Fostered Housing Development Program has contributed positively to improving the beneficiaries’ quality of life, particularly in terms of housing conditions, health, and social welfare. Therefore, strengthening the data management system, standardizing assessment indicators, and enhancing human resource capacity are necessary to improve the accuracy and effectiveness of beneficiary selection in the future.
Co-Authors Dayat, M. M Dayat Salim Sri Wulandari