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All Journal Ikonomika : Jurnal Ekonomi dan Bisnis Islam Jurnal Ilmiah Ekonomi Islam Jurnal Ekonomi & Keuangan Islam SELAPARANG: Jurnal Pengabdian Masyarakat Berkemajuan Al-Mashrafiyah : Jurnal Ekonomi, Keuangan, dan Perbankan Syariah YUME : Journal of Management Abdimas Umtas : Jurnal Pengabdian kepada Masyarakat Proceeding of Conference on Islamic Management, Accounting, and Economics Reswara: Jurnal Pengabdian Kepada Masyarakat ASIAN JOURNAL OF ISLAMIC MANAGEMENT (AJIM) Jurnal Dinamika Ekonomi Syariah Shar-E: Jurnal Kajian Ekonomi Hukum Syariah Jurnal Alwatzikhoebillah : Kajian Islam, Pendidikan, Ekonomi, Humaniora Journal of Sharia Economics ARBITRASE: JOURNAL OF ECONOMICS AND ACCOUNTING PROFICIO: Jurnal Pengabdian Masyarakat Khidmatan Jurnal Akutansi Manajemen Ekonomi Kewirausahaan (JAMEK) Jurnal Ekonomi Syariah dan Bisnis Nusantara Islamic Economic Journal CONSEN: Indonesian Journal of Community Services and Engagement Innovative: Journal Of Social Science Research Istithmar: Jurnal Studi Ekonomi Syariah AL-SULTHANIYAH Wahana Islamika: Jurnal Studi Keislaman Review of Islamic Social Finance and Entrepreneurship Jurnal Rekognisi Ekonomi Islam (JREI) JPS (Jurnal Perbankan Syariah) Jurnal Ekonomi, Manajemen, Akuntansi Welfare: Jurnal Pengabdian Masyarakat
Fitriyani, Yeny
STAI Syubbanul Wathon Magelang
Religion Agriculture, Biological Sciences & Forestry Arts Humanities Computer Science & IT Control & Systems Engineering Decision Sciences, Operations Research & Management Economics, Econometrics & Finance Education Engineering Environmental Science Health Professions Languange, Linguistic, Communication & Media Law, Crime, Criminology & Criminal Justice Medicine & Pharmacology Nursing Physics Public Health Social Sciences Other

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IMPLEMENTASI AKAD MURABAHAH DI KSPPS ARTHA BAHANA SYARIAH KANTOR CABANG TEMPURAN Dewi, Tri Rachma; Fitriyani, Yeny; Aini, Qurotul
Jurnal Dinamika Ekonomi Syariah Vol 12 No 1 (2025): Jurnal Dinamika Ekonomi Syariah
Publisher : Program Studi Ekonomi Syariah, Institut Agama Islam Pangeran Diponegoro Nganjuk

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.53429/jdes.v12i1.1296

Abstract

Penelitian ini bertujuan untuk mengetahui bagaimana Implementasi pembiayaan Akad Murabahah serta upaya peningkatan Usaha Mikro, Kecil dan Menengah (UMKM) di KSPPS Artha Bahana Syariah Kantor Cabang Tempuran. Metode yang digunakan dalam penelitian ini adalah metode kualitatif dengan pendekatan studi kasus. Sumber data terdiri dari data primer yang diperoleh melalui observasi dan wawancara dengan narasumber, serta data sekunder diperoleh dari artikel jurnal ilmiah. Teknik pengumpulan data meliputi observasi, wawancara, dan dokumentasi. Hasil penelitian menunjukkan penelitian Implementasi Pembiayaan Akad Murabahah di KSPPS Artha Bahana Syariah sudah sesuai dengan prinsip syariah, serta dalam proses akad sudah sesuai dengan prinsip syariah yang mengacu pada fatwa DSN-MUI Nomor 04/DSN-MUI/IV/2000 tentang Akad Jual Beli Murabahah. Murabahah merupakan akad jual beli suatu barang dengan menegaskan harga belinya kepada pembeli dan pembeli membayarnya dengan harga yang lebih sebagai laba. KSPPS Artha Bahana Syariah melakukan perjanjian murabahah dengan nasabah, sementara itu pihak KSPPS Artha Bahana Syariah melalui akad wakalah (mewakilkan) kepada nasabah untuk membeli sendiri barang yang hendak dibeli.
Mitigasi Risiko Pembiayaan Bermasalah Pada Baitul Maal Wat Tamwil Saudara Muhammad Alif Muzakki; Purwanto Purwanto; Yeny Fitriyani
EKOMA : Jurnal Ekonomi, Manajemen, Akuntansi Vol. 3 No. 3: Maret 2024
Publisher : CV. Ulil Albab Corp

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.56799/ekoma.v3i3.2958

Abstract

Baitul Mal Wat Tamwil (BMT) is a microfinance institution that provides financial services to the community based on Islamic principles. However, a common challenge faced by BMT is problematic financing. This researcher aims to determine the factors that cause financing risk and mitigate the risk of financing problems at BMT Brothers. A descriptive method with a qualitative approach was used because it can provide a comprehensive picture of how financing risk mitigation was carried out with BMT leaders as research respondents in November – December 2023. The research results were obtained by knowing the factors causing financing problems (internal and external), and then conducting a 6C analysis to mitigate financing risks. The research conclusion is that risk mitigation is important in maintaining member trust and reducing the risk of financing problems at your BMT. The limitation of this research is that it does not use quantitative methods and only examines one BMT. It is hoped that the research can provide input for further research to develop the analytical methods used and increase knowledge for further research.
Trends and evolution in Islamic social finance research: A comprehensive bibliometric study Sudarsono, Heri; Nugrohowati, Rindang Nuri Isnaini; Mifrahi, Mustika Noor; Tumewang, Yunice Karina; Fitriyani, Yeny; Lidasan, Mussolini Sinsuat
Review of Islamic Social Finance and Entrepreneurship Volume 4 Issue 1, 2025
Publisher : Center for Islamic Economics and Development Studies [P3EI]

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.20885/RISFE.vol4.iss1.art4

Abstract

Purpose – This study provides a comprehensive overview of the current state of Islamic social finance literature using VOSviewer analysis to identify key themes, trends, and emerging areas in this field.Methodology – A bibliometric analysis was conducted using VOSviewer to map and visualize key concepts and emerging topics in the Islamic social finance literature. The analysis focuses on the term "Islamic social finance’."Findings – The analysis confirms the foundational role of traditional concepts, such as "Islamic social finance, " in the literature and identifies emerging themes, such as the impact of Covid-19 and economic crises. These findings highlight the evolution of literature and its adaptation to contemporary global challenges.Implications – This study underscores the need to explore how established concepts in Islamic social finance can be applied to address modern socioeconomic issues. The identification of emerging themes suggests potential areas for future research, particularly regarding how Islamic social finance can contribute to solving global challenges. For practitioners, the insights gained can serve as a guide for the development of Islamic financial products that are context-sensitive and align with both traditional principles and contemporary needs.Originality – This study makes a unique contribution by using bibliometric analysis to map the evolving landscape of Islamic social finance research, highlighting both established and emerging areas of interest. The findings of this study provide valuable insights for future research and practical application in this field.
PENDAMPINGAN PEMBUATAN NOMOR INDUK BERUSAHA PADA PELAKU UMKM DI DESA NGABLAK Rafifalah, Ihsan; Fitriyani, Yeny; Alfianto, Achmad Nur
Reswara: Jurnal Pengabdian Kepada Masyarakat Vol 4, No 2 (2023)
Publisher : Universitas Dharmawangsa

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.46576/rjpkm.v4i2.3220

Abstract

Terhambatnya perkembangan UMKM yang berperan penting dalam memajukan perekonomian indonesia menjadi penyebab utama ditandai dengan masih banyaknya pelaku usaha yang tidak memiliki legalitas usaha. Oleh karena itu diperlukan kegiatan pengabdian kepada masyarakat tentang pendampingan pembuatan Nomor Induk Berusaha (NIB) kepada pelaku UMKM sebagai langkah awal mengembangkan usahanya. Kegiatan pendampingan ini bertujuan untuk membantu pelaku UMKM menerbitkan ijin usaha melalui sistem online serta memberi pemahaman betapa pentingnya Nomor Induk Usaha (NIB) sebagai legalitas usaha. Legalitas usaha adalah standarisasi yang harus dipenuhi oleh pelaku usaha. Kegiatan pendampingan dilaksanakan kepada pelaku UMKM yang berada di Desa Ngablak, Kecamatan Srumbung, Kabupaten Magelang. Metode yang digunakan dalam pendampingan ini adalah metode ABCD (Asset Bassed Community Development). Hasil dari kegiatan pendampingan ini adalah pelaku UMKM memiliki legalitas usaha dengan diterbitkannya sertifikat NIB setelah usahanya didaftarkan secara online sebanyak 27 UMKM Dari 28 UMKM yang mengikuti pelatihan. Dari kegiatan pendampingan yang dilakukan dari total 28 UMKM sebanyak 27 UMKM berhasil didaftarkan NIB nya melalui OSS serta mendapatkan sertifikat NIB. Hal tersebut menunjukkan bahwa antusias pelaku UMKM di desa Ngablak cukup tinggi. Adanya legalitas usaha maupun perizinan yang telah dimiliki, diharapkan para pelaku UMKM dapat mengembangkan usahanya menjadi lebih baik.
Implementation of multi-service ijarah financing in Islamic microfinance institutions: SWOT analysis Istikharoh, Maya; Fitriyani, Yeny; Purwanto, Purwanto
JPS (Jurnal Perbankan Syariah) Vol 6 No 1 (2025): JPS (Jurnal Perbankan Syariah) - April
Publisher : LPPM ISNJ Bengkalis

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.46367/jps.v6i1.2360

Abstract

Purpose – This study aims to explore the implementation of multi-service ijarah financing in the Artha Bahana Syariah Tempuran through SWOT analysis. Method – This study uses a mixed approach that combines quantitative and qualitative. Data sources come from primary and secondary data in the form of observations, interviews, questionnaires, and literature. Respondents included 20 people and were complemented by four key informants. Data analysis techniques use the SWOT matrix, IFAS, and EFAS for a comprehensive understanding. Findings – The findings of this study identify that internal and external factors are crucial in shaping multi-service ijarah financing. Among the strengths identified are good and friendly service, public trust, strategic location, fast process, and easy procedures, which can significantly increase the promotion of multi-service ijarah financing. In addition, there are many opportunities in the predominantly Muslim community, strong member loyalty, and the growing needs of the community. However, challenges such as limited human resources, a primarily local marketing focus, and threats from competition and economic instability need to be addressed. Implications – This study can deepen the understanding of SWOT theory in multi-service ijarah financing and offer practical insights for developing more effective financing strategies.
ANALISIS MANAJEMEN PEMBIAYAAN PADA LEMBAGA KSPPS BMT AR-ROHMAH BANDONGAN MAGELANG Rochison, Muhammad; Fitriyani, Yeny; Purwanto, Purwanto; Rifki, Muhammad; Hidayat, Yahya Nur
Journal of Sharia Economics Vol. 5 No. 1 (2024): Islamic Finance
Publisher : Program Studi Magister Ekonomi Syariah UIN Ar-Raniry

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.22373/jose.v5i1.4198

Abstract

Shariah Savings and Credit and Finance Cooperatives (KSPPS) are microfinance institutions that collect and distribute assets to people who need these funds. This research aims to find out the financial management and internal and external systems in KSPPS BMT Ar-Rohmah Bandongan Magelang; this research uses a descriptive qualitative approach with interview techniques, primary and secondary data collection, and documentation. Using SWOT analysis, we can find the weaknesses, strengths, threats, and opportunities in KSPPS Ar-rohmah institution. The results of this study show that the management system in KSPPS BMT Ar-rohmah institution uses a Sharia financing system and has Sharia principles, as well as having several opportunities and weaknesses and threats for institutions; KSPPS BMT Ar-rohmah mitigates risks by paying attention to character, capacity, capital, collateral and economic conditions in customers.
Analisis Praktik Pembiayaan Musyarakah di Baitul Maal wat Tamwil Saudara Grabag Magelang: Perspektif Fatwa DSN MUI No. 08/DSN-MUI/IV/2000 Afifah, Umi; Purwanto; Fitriyani, Yeny
AL-SULTHANIYAH Vol. 14 No. 2 (2025): AL-SULTHANIYAH
Publisher : Institut Agama Islam Sultan Muhammad Syafiuddin Sambas

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.37567/al-sulthaniyah.v14i2.3802

Abstract

This study aims to assess the suitability of musyarakah financing practices at BMT Saudara Grabag Magelang based on DSN-MUI Fatwa No. 08/DSN-MUI/IV/2000. Musyarakah financing is a collaboration between shahibul maal and mudarib that contributes positively to MSMEs. However, inconsistencies were found in practice, especially in terms of loss sharing and profit sharing calculations. Losses are not shared according to the proportion of each party's capital contribution, and profit sharing does not always reflect the agreed ratio. BMT Saudara also applies rescheduling to handle losses, which is contrary to the principle of musyarakah which requires proportional loss sharing. This study uses a descriptive method with interactive analysis techniques, based on primary data from interviews and observations of 1 teller, 1 manager, and 5 customer members. The results show that although sharia aspects such as ijab qabul, legal capacity, object of the contract, and dispute resolution have been implemented, there are still shortcomings in the implementation of profit and loss sharing. The study recommends that BMT Saudara adjust the practice to be more in accordance with sharia principles and the DSN-MUI fatwa.
Implementasi Akad Bai’ Muathah Perspektif Imam An-Nawawi dalam Kitab Fathul Wahhab Shofa Robbi, Imam arsya; Alfiyanto, Achmad Nur; Fitriyani, Yeny
Maro: Jurnal Ekonomi Syariah dan Bisnis Vol. 7 No. 1 (2024)
Publisher : Prodi Ekonomi Syariah Universitas Majalengka

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.31949/maro.v7i1.9065

Abstract

Penelitian ini bertujuan untuk menguraikan literasi mengenai syarat serta rukun jual beli menggunakan metode Mu‘athah yang dilakukan di minimarket Bmart serta kesesuaiannya dengan syariat islam khususnya yang tertera dalam kitab Fath Al-Wahhab Bisyarh Minhaj At-Tullab. Bmart merupakan salah satu minimarket yang menjual berbagai kebutuhan sehari-hari yang berlokasi di Tegalrejo, Magelang. Penjualan dilakukan langsung di toko dan bisa melayani pembelian secara grosir atau eceran.  Praktik jual beli yang dilakukan di Bmart tidak memenuhi syarat serta rukun yang telah ditetapkan syariat islam dengan cara pembeli memilih, mengambil, dan langsung membayar di kasir tanpa melafalkan ijab dan qabul. Disamping itu terkadang dijumpai pembeli anak-anak yang belum memenuhi kriteria baligh. Kegiatan transaksi dilakukan oleh kasir yang dalam hal ini bukan pemilik dari barang yang dijual. Metode yang digunakan dalam penelitian ini adalah metode kualitatif dengan pendekatan induktif. Data diperoleh dengan cara observasi, wawancara, dan dengan teknik kajian kepustakaan. Data yang telah terkumpul kemudian dianalisis menggunakan tiga tahap, yaitu reduksi data, penyajian data, dan penarikan kesimpulan. Penelitian ini menghasilkan kesimpulan bahwa kegiatan jual beli dengan metode Mu‘athah di minimarket Bmart sudah sejalan dengan ketentuan islam dan hukumnya sah.
Financing of The Medium, Small and Micro Enterprises Sector By Sharia Banking: Positive Effects on Economic Growth and Negative Effects on Income Inequality Purwanto, Purwanto; Fitriyani, Yeny; Lidasan, Datu Mussolini Sinsuat
IKONOMIKA Vol 6, No 1 (2021)
Publisher : Universitas Islam Negeri Raden Intan Lampung

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.24042/febi.v6i1.9439

Abstract

This study aims to find empirical evidence that the financing provided by Islamic banking in Indonesia has a positive effect on economic growth and reduces income inequality. The method used in this study is an analysis of Structural Equation Model PLS using WarpPLS. The analysis shows the empirical evidence that Islamic banking financing of the MSMEs sector has a significant positive effect on economic growth and a significant negative effect on income inequality. Economic growth has also been shown to have a negative effect on inequality. However, the analysis results show that the economic growth is unable to mediate the relationship between financing of the MSMEs sector toward income inequality. This study concludes that financing the MSMEs sector by Islamic banking can increase economic growth in Indonesia and impact reducing people's income. The contribution of this research is that the financing of the MSMEs sector by Islamic banking must be increased because it can increase economic growth and reduce income.
IMPLEMENTASI AKAD MURABAHAH DI KSPPS ARTHA BAHANA SYARIAH KANTOR CABANG TEMPURAN Dewi, Tri Rachma; Fitriyani, Yeny; Aini, Qurotul
Jurnal Dinamika Ekonomi Syariah Vol. 12 No. 1 (2025): Jurnal Dinamika Ekonomi Syariah
Publisher : Program Studi Ekonomi Syariah, Institut Agama Islam Pangeran Diponegoro Nganjuk

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.53429/jdes.v12i1.1296

Abstract

Penelitian ini bertujuan untuk mengetahui bagaimana Implementasi pembiayaan Akad Murabahah serta upaya peningkatan Usaha Mikro, Kecil dan Menengah (UMKM) di KSPPS Artha Bahana Syariah Kantor Cabang Tempuran. Metode yang digunakan dalam penelitian ini adalah metode kualitatif dengan pendekatan studi kasus. Sumber data terdiri dari data primer yang diperoleh melalui observasi dan wawancara dengan narasumber, serta data sekunder diperoleh dari artikel jurnal ilmiah. Teknik pengumpulan data meliputi observasi, wawancara, dan dokumentasi. Hasil penelitian menunjukkan penelitian Implementasi Pembiayaan Akad Murabahah di KSPPS Artha Bahana Syariah sudah sesuai dengan prinsip syariah, serta dalam proses akad sudah sesuai dengan prinsip syariah yang mengacu pada fatwa DSN-MUI Nomor 04/DSN-MUI/IV/2000 tentang Akad Jual Beli Murabahah. Murabahah merupakan akad jual beli suatu barang dengan menegaskan harga belinya kepada pembeli dan pembeli membayarnya dengan harga yang lebih sebagai laba. KSPPS Artha Bahana Syariah melakukan perjanjian murabahah dengan nasabah, sementara itu pihak KSPPS Artha Bahana Syariah melalui akad wakalah (mewakilkan) kepada nasabah untuk membeli sendiri barang yang hendak dibeli.
Co-Authors Abdul Rosyid Achmad Labib Achmad Nur Alfianto AFIFAH, UMI Afridatul Fikriyah Ahmad Efendi Efendi Ahmad Fauzan Alfianto, Achmad Nur Alfiyanto, Achmad Nur Ali Rochmat Alif sofian Anam, Rizqy Khairul Anisatul Azizah, Anisatul Assodiqoh, Nur Ma'rifah Azkiya Qurrata A’yun Damar Irsyad Ustadz Datu Mussolini Sinsuat Lidasan Dewi, Tri Rachma Fadilla, Nurlita Dewi Fajar Pambudi Febriyanti, Aprillyana Fuad Yanuar Halipah Halipah Heri Sudarsono Herliana Rizki Yati Hidayat, Trian Hidayat, Yahya Nur Ihsan Rafifalah Imanul Achmad Al Amir Ayyusuf Indahsari, Sutriyana Istikharoh, Maya Jannah, Vina Roudhotul Jinggo Aldino Labib, Achmad Lia Nur Cahyani Lidasan, Datu Mussolini Sinsuat Lidasan, Mussolini Sinsuat M Pudail M. Robit Nailal Fadli Maemunah Mariana Ratih Ratnani Maryono . Maufur, Miqdam Milna Wafirah Muhammad Alif Muzakki Muhammad Haris Al Ayubi Muhammad Rifki Mustika Noor Mifrahi, Mustika Noor Mu’awanah, Annisa Siti Natiq Al Aksar Nugrohowati, Rindang Nuri Isnaini Nur Ma'rifah Assodiqoh Nur Rochmah, Eva Pambudi, Fajar Priyonggo Suseno Pudail, M. Pudail, M. Purwanto Purwanto Purwanto Purwanto, Purwanto Qurotul Aini Qurotul Aini Qurrotul Aini Rafifalah, Ihsan Rahmaan, Dimas Anjanii Rahmawati Lewo Ramadani, M. Kevin Rifa'i, Fuad Yanuar Akhmad Rifai, Fuad Yanuar Akhmad Risydiyani, Wilda Rizqi Istiqomah Rochison, Muhammad Rohmat, Ali Satrio Arif Wicaksono Shofa Robbi, Imam arsya Siti Nur Aini, Siti Nur Siti Nur Azizah Sofyana, Sonia Tajun Yuhsinun Tri Mulyani Tumewang, Yunice Karina Ula, Himmatul Wahyu Achmad Pamuji