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Inovasi Model Pembiayaan Musyarakah untuk Optimalisasi Modal Kerja : Studi pada BMT Dana Barokah Muntilan Widiyawati, Ema Nurkholisa; Fitriyani, Yeny; Purwanto
Jurnal Alwatzikhoebillah : Kajian Islam, Pendidikan, Ekonomi, Humaniora Vol. 11 No. 2 (2025): Jurnal Alwatzikhoebillah : Kajian Islam, Pendidikan, Ekonomi, Humaniora
Publisher : Institut Agama Islam Sultan Muhammad Syafiuddin Sambas

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.37567/alwatzikhoebillah.v11i2.4341

Abstract

Musyarakah financing plays a significant role in supporting micro-enterprise development at BMT Dana Barokah Muntilan; however, its contribution remains limited, requiring innovation to achieve greater effectiveness. This study aims to examine the implementation of innovative musyarakah financing models to optimize working capital and to identify the challenges encountered in practice. A qualitative case study approach was employed by collecting data through interviews, observations, and documentation involving BMT managers and members. The findings reveal innovations such as the integration of musyarakah and ijarah contracts, the application of transparent profit-sharing schemes, the use of wadiah accounts for disbursement mechanisms, and continuous business monitoring by Account Officers. These innovations have been shown to enhance members’ responsibility, strengthen financial literacy, and ensure business sustainability. The study concludes that the innovative musyarakah model can effectively optimize working capital, although its application is still constrained by limited human resources and the low level of public literacy regarding Islamic contracts.
PENDAMPINGAN SOSIALISASI PEMANFAATAN URINE SAPI SEBAGAI PUPUK ORGANIK CAIR TERHADAP EFISIENSI BIAYA PERTANIAN Tutik Rofiqoh; Yeny Fitriyani; Miswan Ansori
khidmatan Vol 1 No 2 (2021): Khidmatan
Publisher : Institut Agama Islam Syubbanul Wathon Magelang

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.61136/m6wh6y45

Abstract

Assistance in the socialization of cow urine as liquid organic fertilizer can be used for agricultural cost efficiency and has its socio-economic value for the community. In this service activity, counseling assistance and socialization assistance were carried out to residents, especially members of the Pangudi Makmur farmer group in Dalangan Hamlet. The benefits of using cow urine can reduce agricultural costs and reduce pollution caused by urine. Liquid organic fertilizer if used on plants will reduce dependence on chemical fertilizers so that the quality of the plants is better. The implementation of service is carried out by students with residents who are expected to be able to develop the economic capacity of the community. The method used in this approach uses participatory, action, and research (PAR) methods. From making cow urine as organic liquid fertilizer, it can generate business ideas and solutions to save agricultural costs (efficient). 
SOSIALISASI PEMBUATAN NIB KEPADA PELAKU UMKM DI DUSUN  KALANGAN, CANDISARI, SECANG Tri Nur Fadilah; Yeny Fitriyani; M Pudail
khidmatan Vol 1 No 2 (2021): Khidmatan
Publisher : Institut Agama Islam Syubbanul Wathon Magelang

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.61136/q7579k71

Abstract

This activity is intended to provide an understanding of the importance of applying for a business license and introducing a Business Identification Number (NIB) to apply for a business license online. Business legality is a standard that business actors must meet. Micro, Small and Medium Enterprises (MSME) are required to meet these requirements in order to compete in the free market era. This demand is a problem because many business actors do not have business legality. Therefore, community service activities are needed in the form of assistance, especially for craftsmen and MSME in order to develop their business in a better direction. The research method used is the PAR (Participatory Action Research) method. This study aims to provide knowledge and information on making NIB to business actors in order to develop their business. The results of this study were carried out by the community to understand and increase knowledge about making NIB which must be owned by every business actor. Then simplify business operations because they have obtained business legality. 
WASTE BANK MANAGEMENT ASSISTANCE TO IMPROVE THE COMMUNITY ECONOMY Ahmad Bayu; Purwanto; Yeny Fitriyani; Achmad Labib
khidmatan Vol 2 No 1 (2022): Khidmatan
Publisher : Institut Agama Islam Syubbanul Wathon Magelang

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.61136/6q9fg023

Abstract

This study aimed to determine the community's attractiveness in managing waste in Jombong Hamlet, Patent, Dukun, and Magelang. This activity aims to reduce the accumulation of household waste so that there is no disaster and to utilize the waste with the creations and innovations of the surrounding community. The methods used are observation, interviews, and documentation. With the PAR (Participatory Action Research) approach, the service team views the existence of a waste bank as an essential asset for the community. The results show that waste bank management benefits the surrounding community; the environment becomes comfortable, beautiful, and green. This study concludes that household waste can benefit from the social, economic, and environmental aspects that positively impact the Jombong Hamlet Waste Bank.
LEGALITY ASSISTANCE OF MICRO, SMALL, AND MEDIUM BUSINESSES THROUGH ONLINE SYSTEM SINGLE SUBMISSION Rizqi Istiqomah; Yeny Fitriyani
khidmatan Vol 2 No 1 (2022): Khidmatan
Publisher : Institut Agama Islam Syubbanul Wathon Magelang

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.61136/px465a91

Abstract

Several countries, especially Indonesia, are still feeling the Covid-19 pandemic. The Covid-19 pandemic has impacted the health, politics, and education sectors. In addition, the impact felt by the Indonesian state is the economic sector. The Indonesian economy experienced a slump; the government intensified Micro, Small, and Medium Enterprises to improve quality. Because MSMEs are increasingly visible and widely owned by Indonesian citizens, the government provides a policy that every MSME must have legality. This legality is called the Business Permit Number or NIB, formerly known as SIUP. Using the PAR approach, the facilitator conducts a mentoring program for making NIB using the Online Single Submission System so that MSME actors immediately have legality. Moreover, during the making of the NIB, MSME actors access the OSS page and already have a legality called NIB.
DIGITAL MARKETING ASSISTANCE AS AN EFFORT TO IMPROVE BUSINESS PERFORMANCE IN RINGINANOM VILLAGE M Haris Al Ayubi; Yeny Fitriyani
khidmatan Vol 3 No 2 (2023): Khidmatan
Publisher : Institut Agama Islam Syubbanul Wathon Magelang

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.61136/jyeegg62

Abstract

This Community Service activity aims to provide training on the application of digital marketing as a marketing strategy for Micro, Small and Medium Enterprises (MSMEs) so that it can produce marketing that can reach the wider community, increase the number of consumers and attract buyer interest. MSME business actors in Ringinanom village need technology-based business development to be able to compete with their competitors. Therefore, outreach and training need to be carried out to provide knowledge and understanding of the importance of digital marketing for their business. There are two methods used in assisting MSME businesses in digital marketing, namely workshops and direct practice. Introduction to digital marketing as an introduction to this program as well as the benefits obtained from using digital marketing. In this training, we utilize an application in the Play Store Application, namely the Photoroom Application. Business actors who take part in this training are expected to be able to implement the results of the training and discuss with other business actors and the surrounding community. Advice that can be given in creating content marketing is to add interesting captions and hashtags that are easy to follow so that products are easy to find.
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