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All Journal Dinar: Jurnal Ekonomi dan Keuangan Islam 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 Muqtasid: Jurnal Ekonomi dan Perbankan Syariah MALIA YUME : Journal of Management Abdimas Umtas : Jurnal Pengabdian kepada Masyarakat PengabdianMu: Jurnal Ilmiah 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 Khidmatan
Fitriyani, Yeny
STAI Syubbanul Wathon Magelang
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Implementasi Akad Musyarakah Mutanaqisah di BNU’26 Syariah Magelang Fadli, M. Robit Nailal; Purwanto, Purwanto; Fitriyani, Yeny; Pudail, M.; Labib, Achmad
Shar-E : Jurnal Kajian Ekonomi Hukum Syariah Vol. 10 No. 2 (2024): Shar-E: Jurnal Kajian Ekonomi Hukum Syariah
Publisher : Institut Agama Islam Sultan Muhammad Syafiuddin Sambas

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.37567/shar-e.v10i2.2704

Abstract

One of the obstacles in the Musyarakah Mutanaqisah contract is that two contracts must be carried out, namely cooperation (Syirkah) and rent (Ijarah). In implementing musyarakah mutanaqishah, two types of transactions are involved in one agreement. Therefore, capital goods are not only the object of transactions in musyarakah mutanaqishah but also function as objects in ijarah transactions for business development and as objects in buying and selling transactions to protect ownership of capital goods. This research aims to determine how the implementation of the musyarakah mutanaqisah contract at Bank BNU'26 Syariah Magelang is implemented. Mutanaqisah musyarakah contract is an agreement or arrangement between two or more people that is derivative and in the form of an agreement. This study uses qualitative methods with two approaches, namely interviews and observations. The results of this study confirm that BNU'26 Syariah, implementing the mutanaqisah musyarakah contract to customers, is there is cooperation between the bank and the customer in an effort based on mutual agreement. The contract can be agreed upon if the customer agrees to the requirements that Bank BNU'26 Syariah Magelang has determined.
Pengelolaan Koin NU di Lembaga Amil Zakat, Infak Dan Sedekah Nahdlatul Ulama Desa Bumiayu Kecamatan Kajoran Al Ayubi, Muhammad Haris; Purwanto, Purwanto; Fitriyani, Yeny
Innovative: Journal Of Social Science Research Vol. 4 No. 3 (2024): Innovative: Journal Of Social Science Research (Special Issue)
Publisher : Universitas Pahlawan Tuanku Tambusai

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.31004/innovative.v4i3.9694

Abstract

Salah satu inisiatif utama yang dijalankan oleh NU Care-LAZISNU Desa Bumiayu, Kecamatan Kajoran adalah program Kotak Infaq NU atau lebih dikenal dengan sebutan Koin NU. Konsep Koin NU melibatkan partisipasi aktif dari warga Nahdliyin, dengan mengumpulkan uang receh (koin) melalui penempatan kotak infaq kecil di rumah-rumah warga Nahdliyin. Penelitian ini dilakukan dengan tujuan untuk menganalisis pengelolaan Koin NU di lembaga amil zakat, infak dan sedekah nahdlatul ulama Desa Bumiayu Kecamatan Kajoran. Jenis penelitian ini adalah penelitian lapangan yang dilakukan adalah pendekatan deskriptif kualitatif. Sumber data yang digunakan dalam penelitian ini adalah data primer yang berasal dari observasi dan wawancara peneliti dengan pengurus dan pengelola UPZIS NU Care LAZISNU Desa Bumiayu Kecamatan Kajoran Kabupaten Magelang. Sedangkan data sekunder berasal dari buku, literatur dan catatan yang berhubungan dengan tata kelola zakat, infak dan sedekah di NU Care LAZISNU Desa Bumiayu Kecamatan Kajoran Kabupaten Magelang baik melalui media cetak maupun elektronik. Data penelitian selanjutnya dianalisis dengan menggunakan teknik interaktif model. Berdasarkan penelitian mengenai pengelolaan koin NU di lembaga amil zakat, infak dan sedekah Nahdlatul Ulama Desa Bumiayu Kecamatan Kajoran, dapat disimpulkan bahwa pengelolaan koin NU di Desa Bumiayu memiliki peran penting dalam mendukung kegiatan sosial, ekonomi, dan keagamaan di tingkat lokal. Program Koin NU memungkinkan partisipasi aktif dari masyarakat dengan menyumbangkan uang receh secara rutin melalui kotak infaq yang disediakan di rumah-rumah ataupun di warung/tempat usaha. Selain itu, pengelolaan dana Koin NU dilakukan dengan disiplin dan transparan, dengan petugas penghimpunan yang ditunjuk secara khusus dan mekanisme pengawasan dari berbagai pihak terkait.
Pengaruh Emotional Branding Terhadap Loyalitas Pelanggan PT. Baraka NUGO Internasional Muzakki, Muhammad Alif; Akhmad Rifai, Fuad Yanuar; Fitriyani, Yeny
Innovative: Journal Of Social Science Research Vol. 4 No. 3 (2024): Innovative: Journal Of Social Science Research (Special Issue)
Publisher : Universitas Pahlawan Tuanku Tambusai

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.31004/innovative.v4i3.11819

Abstract

Pemasaran barang dan jasa yang memenuhi kebutuhan bukanlah hanya untuk satu transaksi, melainkan bagian dalam rangka membangun hubungan jangka panjang yang menguntungkan bagi perusahaan tersebut maupun pelanggannya. Hubungan jangka panjang itu dibina dengan memasukkan unsur emosional dalam suatu merek, yang dikenal dengan emotional branding. Tujuan penelitian adalah untuk melihat pengaruh emotional branding PT. Baraka Bus NUGO dalam membangun hubungan jangka Panjang dengan pelanggannya. Menggunakan teori emotional branding Marc Gobe yaitu upaya untuk membangun ikatan emosional antara pelanggan dengan merek atau brand yang dimiliki oleh perusahaan melalui penekanan pada nilai dan citra positif yang ingin disampaikan kepada pelanggan, ketimbang sekadar menampilkan produk dan layanan yang ditawarkan. Sampel yang digunakan dalam penelitian ini adalah 46 responden, diambil dari data pelanggan yang sudah pernah booking bus NUGO lebih dari 2 kali. Pendekatan yang digunakan dalam penelitian ini menggunakan pendekatan kuantitatif deskriptif. Jenis data yang digunakan adalah data primer dengan pengumpulan data dengan kuesioner. Penelitian yang telah dilakukan mengemukakan bahwa emotional branding PT Baraka Bus NUGO Internasional kuat dengan rata-rata sebesar 90%.
Determinant of Qard: Evidence from Indonesian Islamic Rural Banks Fitriyani, Yeny; Lidasan, Mussollini Sinsuat
Muqtasid: Jurnal Ekonomi dan Perbankan Syariah Vol 14, No 2 (2023): MUQTASID: Jurnal Ekonomi dan Perbankan Syariah
Publisher : UIN Salatiga

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.18326/muqtasid.v14i2.93-114

Abstract

This study was conducted to offer an assessment of the qard factors, concerning Indonesian Islamic Rural Banks. To conduct this analysis, data from Indonesian Rural Banks and macroeconomic panels were used. In addition, an approximated generalized method of the moment was also used to report qard determinants from 2012-2022. The results showed that Return on Assets (ROA), Bank Operational Costs to Operating Income (BOPO), and inflation negatively impacted the distribution of qard, while Non-Performing Financing (NPF) variable indicated a positive and significant impact. Valuable recommendations were formulated by comprehending the interplay between profitability ratios and macroeconomic conditions. These recommendations informed the development of products within the context of BPRS and Sharia banking, contributing to rural economic growth through qard financing. This study developed BPRS and Sharia banking products to increase rural economic growth. Qard financing served as an essential resource for individuals who did not meet the eligibility criteria of conventional banks. The adoption and expansion also promoted financial inclusion for marginalized communities.
Hajj Financing Transparency in Islamic Cooperatives: Evidence from KSPPS Artha Bahana Syariah Nasiroh, Fandilatun; Aini, Qurotul; Fitriyani, Yeny
Dinar : Jurnal Ekonomi dan Keuangan Islam Vol 12, No 1: January 2025
Publisher : Universitas Trunojoyo Madura

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.21107/dinar.v12i1.28768

Abstract

Transparency in the management of Hajj bailout funds is a crucial aspect for Islamic financial institutions to enhance customer trust and understanding of the contracts used. However, in practice, there are still challenges in conveying information related to costs, contract mechanisms, and the inherent risks of this financing scheme. This study aims to analyze the implementation of transparency in Hajj funds at KSPPS Artha Bahana Syariah and to examine the institution’s compliance with Islamic accounting standards, particularly PSAK 107.This research employs a qualitative method with a transparency-based approach to analyze information disclosure in Hajj bailout financing. Data were collected through in-depth interviews, direct observations, and document analysis related to Hajj bailout financing. A triangulation technique was applied to ensure the validity of the data obtained.The findings indicate that transparency in Hajj funds at KSPPS Artha Bahana Syariah still faces obstacles, especially in delivering information concerning costs and risks to customers. Although the institution has attempted to apply Sharia principles through the ijarah contract, improvements in information disclosure are still needed to align with PSAK 107 and enhance customer trust.The benefits of this research include providing strategic input for KSPPS and other Islamic financial institutions in strengthening the implementation of transparency principles, particularly in Hajj funds. The practical implications suggest that this study can serve as a reference for regulators, academics, and Islamic finance practitioners in developing guidelines and policies that support greater information disclosure and compliance with Islamic accounting standards.
The Role of PSAK 105 in Mudharabah Financing Practices: A Case Study of KSPPS BMT Tumang Risydiyani, Wilda; Aini, Qurotul; Fitriyani, Yeny
Dinar : Jurnal Ekonomi dan Keuangan Islam Vol 12, No 1: January 2025
Publisher : Universitas Trunojoyo Madura

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.21107/dinar.v12i1.28777

Abstract

The Statement of Financial Accounting Standards (PSAK) 105 serves as the main reference in recording mudharabah transactions in Islamic financial institutions, including Islamic cooperatives. This study aims to examine the implementation of PSAK 105 in mudharabah financing at KSPPS BMT Tumang by reviewing four main aspects: recognition, measurement, presentation, and disclosure. The research uses a qualitative approach through case studies, with data obtained through in-depth interviews, field observations, and documentation studies during the period from December 2024 to January 2025. The research results show that the aspects of recognition and presentation are in accordance with the provisions of PSAK 105, especially in cash-based transactions. However, in the aspects of measurement and disclosure, limitations are still found, particularly in handling non-cash transactions and the transparency of external reports. Factors such as limited understanding of human resources, the absence of written policies, and minimal technical oversight by the Sharia Supervisory Board also affect the implementation of the standards. This study recommends strengthening internal capacity, formulating technical policies based on PSAK 105, and developing a more informative external reporting system to enhance the accountability and transparency of sharia microfinance institutions.
Exploring online infaq intentions of young Muslim Ikawati, Retty; Afriadi, Fiqih; Fitriyani, Yeny; Ash Shidiqie, Jannahar Saddam; Lidasan, Mussolini Sinsuat
Asian Journal of Islamic Management (AJIM) VOLUME 6 ISSUE 1, 2024
Publisher : Faculty of Business & Economics, Universitas Islam Indonesia

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.20885/AJIM.vol6.iss1.art2

Abstract

Purpose – This study aims to analyze the intention of the young Muslim generation in paying infaq using online platforms. Methodology – The respondents in this study were 320 young Muslims who had previously made infaq payments through online platforms. The research framework applied was an extended unified theory of acceptance and use of technology (UTAUT) model to predict the intention to use new technology. Structural equation modeling (SEM) techniques to assess the validity, reliability, and relationships between various latent variables.Findings – The results of the data analysis show that performance expectations, social influence, infaq literacy, and habits have a significant influence on the intention to pay infaq through online platforms. In addition, habits and intention to pay donations online also influence usage behavior in paying donations via online platforms. Implications – Based on these findings, it is recommended that the Amil Zakat Infaq and Sedekah Agency (BAZNAS) collaborate with profit-oriented and non-profit social organizations in Indonesia. This collaboration is expected to improve online infaq services and expand the reach of community participation, in line with the increasing intention in and habit of using online platforms to pay infaq.Originality – This study uniquely focuses on the young Muslim generation's behavior in using online platforms for infaq, an area not extensively explored in previous research. By employing Structural Equation Modeling (SEM), it offers a comprehensive analysis of both direct and indirect effects, providing actionable insights for enhancing online donation platforms.
Implementation Of Murabaha Financing In Baitul Maal Wat Tamwil: A SWOT Analysis Assodiqoh, Nur Ma'rifah; Fitriyani, Yeny; Yanuar, Fuad; Purwanto, Purwanto; Pambudi, Fajar
JPS (Jurnal Perbankan Syariah) Vol 5 No 1 (2024): JPS (Jurnal Perbankan Syariah) - April
Publisher : LPPM ISNJ Bengkalis

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.46367/jps.v5i1.1772

Abstract

This research uses the SWOT approach to review Murabaha financing at Baitul Maal Wat Tamwil (BMT). This research is field research, with primary and secondary data sources, such as questionnaires, interviews, and literature. The research sample consisted of 20 people and three informants. Data analysis uses a mixed method approach, quantitatively and qualitatively, with the IFAS, EFAS and SWOT matrices. The research results found that several internal and external factors need to be evaluated, such as public trust, quality leadership, networks and partnerships, excellent and friendly service, practical procedures, and strategic location, which are assets that organizations can utilize to socialize Murabaha financing in the community. Meanwhile, external opportunities such as support from government agencies, a majority Muslim community, and local marketing strategies offer further growth and development potential. However, there are areas for improvement in education and awareness, product and service innovation, limited resources, and local marketing strategies that need to be overcome. Furthermore, threats from many competitors, the same target market, and a low public understanding of Islamic financing exist. This research can be helpful as a reference for future research and then become a reference for BMT in aligning organizational strategy with internal strengths and external opportunities, as well as overcoming existing weaknesses and threats.
Analisis Bauran Komunikasi Pada Layanan Pembiayaan di KSPPS Karisma Grabag dalam Meningkatkan Minat Nasabah sofian, Alif; Fitriyani, Yeny; Pudail, M
Jurnal Ilmiah Ekonomi Islam Vol. 9 No. 3 (2023): JIEI : Vol.9, No.3, 2023
Publisher : ITB AAS INDONESIA Surakarta

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.29040/jiei.v9i3.10553

Abstract

This study aims to find out more and describe the state of the marketing communication mix implemented by the KSPPS Karisma branch of Grabag to arouse the interest of members and increase the number of their members. Increasing The failure of cooperatives to attract members is one of the factors. There is a lack of marketing communications while members are the source. Cooperative survival requires good marketing communications, informing the existence of products and convincing people to make purchases. The method used is descriptive qualitative method in this study. The data analysis method used is data collection, presentation of the data found and conclusions. Information obtained from observations and interviews where the sampling technique was purposive sampling, documentation, internet and literature research was carried out from January 2022 to December 2022. The marketing communication mix used by KSPPS Karisma Grabag to reach members is advertising, personal selling, and word of mouth marketing, direct and interactive marketing and public relations and Advertising. The marketing communication mix used in this study Kharisma KSPPS Grabag increased the number of members.
Peningkatan kemampuan dalam membuat media promosi melalui pelatihan edit foto produk menggunakan aplikasi photoroom Mulyani, Tri; Purwanto, Purwanto; Fitriyani, Yeny
SELAPARANG: Jurnal Pengabdian Masyarakat Berkemajuan Vol 8, No 1 (2024): March
Publisher : Universitas Muhammadiyah Mataram

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.31764/jpmb.v8i1.22275

Abstract

Abstrak Penggunaan alat-alat pengeditan foto, seperti aplikasi Photoroom, telah menjadi langkah penting dalam memastikan bahwa setiap gambar yang digunakan dalam pemasaran online memiliki kualitas yang memadai. Kendati Photoroom dapat digunakan untuk visualisasi produk yang menarik, akan tetapi banyak individu dan pelaku usaha belum banyak yang mengetahuinya. Tujuan dari pengabdian ini adalah untuk meningkatkan kemampuan para mitra dalam melakukan edit foto produk sebagai media promosi dengan menggunakan aplikasi Photoroom. Kegiatan pengabdian ini dilaksanakan kurang lebih 45 hari yaitu dimulai dari 20 Juli sampai dengan 30 September 2023 di Desa Adipuro, Kecamatan Kaliangkrik Kabupaten Magelang. Mitra yang terlibat dalam kegiatan ini sebanyak 15 remaja di Desa Adipuro yang memiliki orang tua sebagai pemilik usaha kecil. Kegitan pengabdian dilaksanakan melalui tiga tahapan yaitu tahap perencanaan, pelaksanaan, dan evaluasi. Pengabdian ini telah memberikan dampak signifikan terhadap peningkatan kemampuan para peserta dalam melakukan edit foto produk sebagai media promosi dengan menggunakan aplikasi Photoroom. Sebelum dilaksanakannya pengabdian, data awal menunjukkan bahwa hanya 66,7% peserta yang memiliki kemampuan sangat baik dalam menggunakan smartphone. Namun, setelah pelaksanaan pengabdian, terjadi peningkatan yang mencolok, di mana 93,3% peserta menunjukkan kemampuan yang sangat baik dalam memanfaatkan smartphone untuk keperluan editing foto. Tingginya persentase peserta yang meningkatkan kemampuan dalam menggunakan smartphone dapat dianggap sebagai indikator keberhasilan pengabdian. Kata kunci: pengabdian kepada masyarakat; pelatihan; photoroom. Abstract Photo editing tools, such as the Photoroom application, have become essential in ensuring that every image used in online marketing is of sufficient quality. Even though Photoroom can be used to visualize attractive products, many individuals and business people need to learn about it. This service aims to improve partners' abilities in editing product photos as promotional media using the Photoroom application. This service activity will be carried out for approximately 45 days, from July 20 to September 30, 2023, in Adipuro Village, Kaliangkrik District, Magelang Regency. The partners involved in this activity were 15 teenagers in Adipuro Village whose parents were small business owners. Service activities are carried out through three stages: planning, implementation, and evaluation. This service has had a significant impact on increasing the participants' ability to edit product photos as promotional media using the Photoroom application. Before the service, initial data showed that only 66.7% of participants had excellent smartphone use abilities. However, after carrying out the service, there was a striking increase, where 93.3% of participants showed excellent skills in using smartphones for photo editing purposes. The high percentage of participants who improve their smartphone use indicates the success of their service. Keywords: community service; training; photoroom
Co-Authors Abdul Rosyid Achmad Labib Achmad Nur Alfianto AFIFAH, UMI Afriadi, Fiqih Afridatul Fikriyah Ahmad Bayu Ahmad Efendi Efendi Ahmad Fauzan Al Ayubi, Muhammad Haris Alfianto, Achmad Nur Alfiyanto, Achmad Nur Ali Rochmat Alif sofian Ambarwati Anam, Rizqy Khairul Anisatul Azizah, Anisatul Ansori, Miswan Ash Shidiqie, Jannahar Saddam Assodiqoh, Nur Ma'rifah Ayyusuf, Imanul Achmad Al Amir Damar Irsyad Ustadz Datu Mussolini Sinsuat Lidasan Dewi, Tri Rachma Fadilla, Nurlita Dewi Fadli, M. Robit Nailal Febriyanti, Aprillyana Fikriyah, Afridatul Fitriani, Wulan Halipah Halipah Heri Sudarsono Herliana Rizki Yati Hidayat, Trian Hidayat, Yahya Nur Ihsan Rafifalah Ikawati, Retty Indahsari, Sutriyana Istikharoh, Maya Jannah, Vina Roudhotul Jinggo Aldino Labib, Achmad Lia Nur Cahyani Lidasan, Datu Mussolini Sinsuat Lidasan, Mussolini Sinsuat Lidasan, Mussollini Sinsuat M Haris Al Ayubi M Pudail M Pudail Maemunah Maemunah Mariana Ratih Ratnani Maryono . Maufur, Miqdam Milna Wafirah Muhammad Alif Muzakki Muhammad Rifki Mustika Noor Mifrahi, Mustika Noor Muzakki, Muhammad Alif Mu’awanah, Annisa Siti Nasiroh, Fandilatun Natiq Al Aksar Nugrohowati, Rindang Nuri Isnaini Nur Alfianto, Achmad Nur Rochmah, Eva Pambudi, Fajar Priyonggo Suseno Pudail, M. Pudail, M. Pudail, Muhammad Purwanto Purwanto Purwanto Purwanto, Purwanto Qurotul Aini Qurotul Aini Qurrata A’yun, Azkiya 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 Rizqi Istiqomah Rochison, Muhammad Rohmat, Ali Satrio Arif Wicaksono Shofa Robbi, Imam arsya Siti Nur Aini, Siti Nur Siti Nur Azizah sofian, Alif Sofyana, Sonia Tajun Yuhsinun Tri Mulyani Tri Nur Fadilah Tumewang, Yunice Karina Tutik Rofiqoh Ula, Himmatul Wahyu Achmad Pamuji Widiyawati, Ema Nurkholisa