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All Journal AT-Turost: Journal of Islamic Studies Jurnal Al-Kharaj: Studi Ekonomi Syariah, Muamalah, dan Hukum Ekonomi Al-Hukmi : Jurnal Hukum Ekonomi Syariah dan Keluarga Islam Dedication: Jurnal Pengabdian Masyarakat Wasīlah: Journal Of Sharia Sciences
sufyanto, budi
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Religion Arts Humanities Economics, Econometrics & Finance Law, Crime, Criminology & Criminal Justice Social Sciences Other

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Implementasi Akad Qordhu Al-Hasan Terhadap Pembiayaan Modal Usaha Mikro di KSPPS BMT NU Cabang Kendit Kabupaten Situbondo sufyanto, budi
At-Turost : Journal of Islamic Studies Vol 7 No 1 (2020): Februari 2020
Publisher : STAI Nurul Huda Kapongan Situbondo

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.52491/at.v7i1.36

Abstract

Akad Qordu Al-Hasan menyediakan pinjaman dana kepada pihak-pihak yang patut mendapatkannya atau dapat digunakan untuk membantu keuangan nasabah secara cepat dan berjangka pendek. Tujuan penelitian ini, untuk menganalisis implementasi aqad Qordhu Al-Hasan dalam pembiayaan modal mikro. Pendekatan penelitian yang digunakan dalam penelitian ini ialah deskriptif kualitatif di KSPPS BMT NU Cabang Kendit Kabupaten Situbondo. Instrumen yang digunakan berupa wawancara, dokumentasi dan survei lapangan. Hasil penelitian mengenai pembiayaan layanan berbasis jamaah atau yang disebut (LASISMA) di KSPPS BMT NU menunjukkan bahwa dalam pembiayaan tersebut menggunakan akad Qordhu Al-Hasan dengan jasa seikhlasnya. Dalam prakteknya, Jazaul Ihsan ditentukan oleh kisaran 18 % sd 20 % sesuai yang disepakati antara pihak BMT dan Mitra.
Pemberdayaan Masyarakat Melalui Pemanfaatan Pengolahan Kotoran Sapi Menjadi Pupuk Kompos Di Dusun Pareyaan Desa Sopet Khasanah, Aniatul; Zikra, Alfiandi; Damayanti, Rizki Eka; sururoh, Wirdatus; Wahyuni, Sri; Sufyanto, Budi
DEDICATION: Jurnal Pengabdian Masyarakat Vol. 2 No. 1 (2022): 21 April 2022
Publisher : Lembaga Penelitian dan Pengabdian Masyarakat Universitas Bondowoso

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.61595/dedication.v2i1.431

Abstract

Pemberdayaan masyarakat dapat diartikan sebagai proses yang membangun masyarakat atau sekelompok manusia yang berangkat dari kemauan dan inisiatif dirinya sendiri dapat berupa peningkatan kemampuan, pengelompokan dan segala bentuk perubahan perilaku Masyarakat. Salah satu pemberdayaan masyarakat adalah pemberdayaan masyarakat melalui pemanfaatan pengolahan kotoran sapi menjadi pupuk kompos di Dusun Pareyaan Desa Sopet.. Dari observasi awal didapatkan bahwa masyarakat Desa Sopet tidak memanfaatkan dan memproses kotoran sapi dengan bijak dan kurang memahami kelebihan dari pupuk kompos dan lebih tertarik pada pupuk kimia. Adapun hasil dari pengabdian ini mampu memberikan forum yang dapat menambah pemahaman masyarakat akan kelebihan dan kemudahan dalam proses pengolahannya, dan KOTASS bersedia untuk mewadahi hasil pupuk kompos olahan masyarakat maupun menerima suplay kotoran sapi mentah dari penduduk Dusun Pareyaan Desa Sopet.
PERSEPSI NASABAH ATAS PROMOSI DAN PELAYANAN BMT-UGT NUSANTARA PANJI (PERSPEKTIF EKONOMI SYARIAH) Mursidin, Syamsul; Sufyanto, Budi; Makki, Mustaqim
Jurnal Al-Kharaj: Studi Ekonomi Syariah, Muamalah, dan Hukum Ekonomi Vol. 5 No. 1 (2025)
Publisher : IAIN BONE

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.30863/alkharaj.v5i1.8989

Abstract

This study aims to analyze the effect of promotional strategies and service quality on customer satisfaction at BMT-UGT Nusantara Panji Branch, Situbondo in the perspective of Islamic economics. BMT as an Islamic microfinance institution has a strategic role in community economic empowerment, especially in areas that have not been reached by conventional banking services. Promotion strategy and service quality are important factors in creating customer satisfaction. This research uses a descriptive qualitative approach with data collection methods through documentation studies and non-participatory observation. The results showed that promotional strategies that include advertising, sales promotion, personal selling, and publicity have a significant role in attracting customer interest. Meanwhile, service quality measured through the five dimensions of SERVQUAL, namely tangibles, reliability, responsiveness, assurance, and empathy, contributes directly to customer satisfaction. Other factors such as product quality, adequate facilities, and social responsibility also influence the level of satisfaction. The conclusion of this study confirms that effective promotion and quality service are key in increasing BMT customer satisfaction and loyalty
PERAN BMT NUSANTARA DALAM PEMBERDAYAAN USAHA MIKRO KECIL MENENGAH (UMKM) DI SITUBONDO Sufyanto, Budi; Hoirul Anam, Mohamad
Wasīlah: Journal Of Sharia Sciences Vol. 2 No. 1 (2026): Februari
Publisher : Wasīlah: Journal Of Sharia Sciences

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

Abstract

Baitul Maal wat Tamwil (BMT) contributes significantly to the development of MSMEs (Micro, Small, and Medium Enterprises) in East Java, particularly in the Situbondo Regency, by providing business capital financing (barakah business capital) and entrepreneurship training. Consequently, this increases the productivity and competitiveness of micro, small, and medium enterprise actors. This study analyzes the extent to which BMT's programs and activities aim to improve MSMEs, as well as the influence of Sharia financing on MSME growth. The findings indicate that a Sharia-based approach not only fulfills financial needs but also strengthens the economic inclusion of the ummah (community), despite existing challenges such as the risk of default. The results emphasize the necessity for synergy between BMT, the government, and MSMEs to optimize these impacts. This research utilizes a descriptive qualitative method, employing data collection techniques through observation, documentation, and interviews. The study was conducted in the Situbondo Regency. The research subjects include BMT Nusantara, regarding its operations, and the MSMEs fostered through capital provision, additional capital, and mentoring provided by BMT.
TINJAUAN HUKUM ISLAM TERHADAP PROBLEMATIKA PETANI MUSLIM DALAM PRAKTIK AKAD UTANG PIUTANG USAHA BIBIT BUAH KENTANG DI DESA KALIANYAR KECAMATAN IJEN KABUPATEN BONDOWOSO Sufyanto, Budi
Al-Hukmi : Jurnal Hukum Ekonomi Syariah dan Keluarga Islam Vol. 6 No. 1 (2025): Al-Hukmi : Jurnal Hukum Ekonomi Syari’ah dan Keluarga Islam
Publisher : Fakultas Syariah dan Ekonomi Islam, Universitas Ibrahimy

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.35316/alhukmi.v6i1.7275

Abstract

In social life, humans cannot be separated from business life, and Islam has transformed into an economic system that has rules as a natural resource with one of the factors that supports the availability of daily necessities. And in that life there are many cases/practices that we can take advantage of, both practices that are prescribed according to Islam or not. Legally, Qardh means giving anything of value to others so that the second party can enjoy the same benefits with the condition that the same or similar amount of the goods must be paid back when requested or at a predetermined time.                Likewise with one of the cases that commonly occurs in the community of Sempol Village, Ijen District, Bondowoso Regency, where the majority of the community has practiced debt with potato seeds to the boss and the farmers must pay it with conditional potato harvests (quality) so that the boss will sell the potato harvest and the boss himself directly deducts the amount of money from the potato harvest without telling in detail how much the price per kilo of potatoes is and the total income. As the researcher has explained, the researcher here uses a qualitative research method whose research method is used to research natural objects. This qualitative approach is descriptive in the form of images, not numbers, and the researcher will go directly to the field to directly research how the practices that have occurred in society so that the researcher will get concrete data regarding the case of the debt-credit practice.
Co-Authors Damayanti, Rizki Eka Hoirul Anam, Mohamad Khasanah, Aniatul Makki, Mustaqim Mursidin, Syamsul Sri Wahyuni sururoh, Wirdatus Zikra, Alfiandi