Article Per Year (5 Year)
p-Index From 2020 - 2025
1.881
P-Index
This Author published in this journals
All Journal Al-Ittihad: Jurnal Pemikiran dan Hukum Islam JATI (Jurnal Mahasiswa Teknik Informatika) Jurnal Baabu Al-ilmi : Ekonomi dan Perbankan Syariah ITQAN: Journal of Islamic Economics, Management, and Finance INASJIF SUBSERVE: Community Service and Empowerment Journal Journal of Shoutheast Asian Islam and Society (JSEAIS) Tanggap Masyarakat untuk Aksi dan Sinergi BAABU AL-ILMI: Ekonomi dan Perbankan Syariah
lutfi bangun lestari
Mahasiswa Universitas Islam Indonesia Yogyakarta
Religion Humanities Civil Engineering, Building, Construction & Architecture Computer Science & IT Decision Sciences, Operations Research & Management Economics, Econometrics & Finance Education Health Professions Law, Crime, Criminology & Criminal Justice Social Sciences Other

Published : 11 Documents Claim Missing Document
Claim Missing Document
Check
Articles

Found 11 Documents
Search

 1   2 
Analisis Pengaruh Karakteristik Bank, Faktor Makroekonomi terhadap Pembiayaan Sektor UMKM pada Perbankan Syariah di Indonesia Lestari, Lutfi Bangun; Afandi, Akhsyim
Jurnal BAABU AL-ILMI: Ekonomi dan Perbankan Syariah Vol 5, No 2 (2020)
Publisher : Institut Agama Islam Bengkulu

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.29300/ba.v5i2.3532

Abstract

MSMEs have an important role in national economic development, but capital is still the main problem faced in developing MSMEs. Islamic banking has a main function, one of which is channeling financing. However, the trend in financing the MSME sector always fluctuates from year to year and tends to decline. This study aims to analyze the effect of bank characteristics and macroeconomic factors on the financing of the MSME sector in Islamic banking in Indonesia. This study uses time series data which is monthly data on aggregate financial statements of Islamic Commercial Banks and Sharia Business Units in Indonesia. The analysis method used in this research is Autoregressive Distributed Lag (ARDL). The results showed that the variables that affect the financing of the BUS MSME sector in the short term are return on assets (ROA) and the interest rate (BI_Rate). Whereas in the long term, the variables that affect the financing of the BUS MSME sector are the bank office network (JKB) and inflation. While variable third party funds (DPK), non-performance financing (NPF), exchange rates, equivalent rate of financing (ERP) both in the short term and long term have no effect on the financing of the BUS MSME sector. Then the variables that affect UUS MSME sector financing in the short term are the bank office network (JKB), return on assets (ROA) and the interest rate (BI_Rate). Whereas in the long term, the variable that affects UUS MSME sector financing is the bank office network (JKB). Meanwhile, the variable of third party funds (DPK), non-performance financing (NPF), exchange rate, equivalent rate of financing (ERP) both in the short and long term had no effect on the financing of the UUS MSME sector. 
DALIL HUKUM YANG MUKHTALAF, DAN PENERAPANNYA PADA FATWA DSN-MUI TERKAIT KEUANGAN (Urf, Qaul Sahabat, Syar’u man qablana, sad al-zariah) lutfi bangun lestari
Al-Ittihad: Jurnal Pemikiran dan Hukum Islam Vol 8 No 1 (2022): Juni
Publisher : Sekolah Tinggi Islam Syariah (STIS) Al-Ittihad Bima

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.61817/ittihad.v8i1.45

Abstract

Tulisan ini bertujuan untuk menyajikan kajian tentang dalil hukum yang mukhtalaf dan penerapannya pada fatwa DSN-MUI terkait keuangan. Dalil yang mukhtalaf tersebut meliputi ‘urf, qaul sahabat, syar'u man qoblana, sad al-zariah. Menurut hemat penulis dari pengkajian yang dilakukan mendapati bahwa 'urf diterapkan pada Fatwa DSN-MUI No.117/DSN-MUI/II/2018 Tentang Layanan Pembiayaan Berbasis Teknologi Informasi Berdasarkan Prinsip Syariah, qaul sahabat diterapkan pada Fatwa DSB-MUI No.31/DSN-MUI/VI/2002 Pada Pembiayaan Take Over. Selanjutnya syar'u man qoblana diterapkan pada Fatwa MUI No.1/2004 Tentang Bunga dan sad al-zariah diterapkan pada Fatwa DSN-MUI NO.54/DSN-MUI/X/2006, tentang syariah card (Bithaqah I’timan/Credit Card). Walaupun masih terjadi perbedaan pendapat antar ulama tetapi selagi tidak melanggar prinsip-prinsip syariah dan bertujuan untuk kemaslahatan umat maka dalil Hukum yang mukhtalaf dapat digunakan dalam penetapan hukum suatu permasalahan terkait transaksi keuangan
PENDAMPINGAN PEMBUATAN APLIKASI BISNIS UNTUK PEMUDA BOYOLALI MELALUI PEMROGRAMAN DASAR Nugrahantoro, Achmad; Bangun Lestari, Lutfi; Masfuha, Ilmi; Azhari Pohan, Ahmad; Mukti Prabowo, Gilang
SUBSERVE: Community Service and Empowerment Journal Vol. 3 No. 1 (2025): Januari 2025
Publisher : Prime Identity Publisher

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.36728/scsej.v3i1.77

Abstract

Kegiatan pendampingan pembuatan aplikasi bisnis untuk pemuda Boyolali melalui pengenalan dan praktik pengembangan dengan pemrograman dasar dilatarbelakangi oleh perlunya pembekalan keterampilan teknologi pemuda Boyolali, terutama dalam bidang pemrograman dasar yang relevan dengan pengembangan aplikasi bisnis. Program ini bertujuan untuk menjawab tantangan tersebut dengan memberikan pelatihan terstruktur guna memberdayakan peserta untuk menciptakan solusi bisnis berbasis teknologi yang sesuai dengan kebutuhan lokal. Metode pengabdian yang digunakan meliputi identifikasi kebutuhan, perencanaan kurikulum, sosialisasi, pelatihan interaktif, praktik pemrograman, hingga pengembangan prototipe aplikasi. Pendekatan ini dirancang untuk memastikan peningkatan keterampilan peserta secara holistik, mulai dari penguasaan konsep dasar pemrograman hingga penerapannya dalam pengembangan aplikasi bisnis. Hasil kegiatan menunjukkan keberhasilan peserta dalam menghasilkan aplikasi bisnis sederhana yang fungsional. Selain itu, program ini juga berdampak pada peningkatan motivasi, kepercayaan diri, dan kesadaran peserta akan pentingnya teknologi dalam mendukung bisnis. Dalam jangka panjang, kegiatan ini diharapkan mampu mendorong transformasi digital di sektor usaha lokal dan memperkuat daya saing komunitas berbasis teknologi di Boyolali. Kesimpulannya, program ini memberikan kontribusi nyata dalam memberdayakan pemuda Boyolali melalui peningkatan keterampilan teknologi dan pemrograman. Dengan potensi replikasi di wilayah lain, kegiatan ini menjadi model pengabdian masyarakat yang dapat mendukung pertumbuhan ekonomi berbasis teknologi secara berkelanjutan.
Study of Cryptocurrency Transaction through Fiqih Rules Approach (Qawa`id Fiqhiyah) lutfi bangun lestari
Journal of Southeast Asian Islam and Society Vol. 2 No. 2 (2023): JSEAIS
Publisher : UIN Sulthan Thaha Saifuddin Jambi

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.30631/jseais.v2i2.1599

Abstract

Cryptocurrency is a digital currency as part of the results of technological innovation and development. Its flexible existence makes people interested in making transactions with this cryptocurrency. The function of this currency is not much different from fiat currency in general, but crypto currency does not have a physical form because transactions use the internet network. So in this study, after conducting an analysis, it was found that the phenomenon of cryptocurrency transactions is included in the fiqh rules regarding harm and customs, according to the fiqh rules regarding the damage that a person is prohibited from committing acts that could endanger himself and also other people where the high fluctuating prices lead to speculation, which can cause harm, namely the risk of economic bubbles. Basically, the existence of cryptocurrency as a virtual currency is permissible because it has been recognized by various communities, but it must see legality and recognition by the government as a right and obligation of the government. Included in the issuance of the currency. Based on the analysis of fiqh rules about customs. It can be explained that cryptocurrency transactions are included in 'urf fasid because the transactions do not meet the requirements of 'urf authentic, even though their existence has begun to be recognized by the public so that it can be concluded that cryptocurrency transactions during observations through the fiqh rule approach have not found aspects that allow cryptocurrency transactions to be included in transactions that are prohibited by the Shari'a because they contain speculation that gives rise to gharar and maysir. Future prospects cannot be known because there are no underlying assets, and there is no financial authority to oversee them.
Impact of Third-Party Funds and Macroeconomic Variables on Micro, Small, and Medium Enterprises Financing by Islamic People's Financing Bank Lestari, Lutfi Bangun; Achmad Nugrahantoro; Ilmi Masfuha; Ahmad Azhari Pohan; Gilang Mukti Prabowo
ITQAN: Journal of Islamic Economics, Management, and Finance Vol. 4 No. 2 (2025): ITQAN: Journal of Islamic Economics, Management, and Finance
Publisher : Yayasan Mitra Peduli Indonesia

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.57053/itqan.v4i2.109

Abstract

This study aims to analyze the Impact of third-party funds and macroeconomic variables on MSME Financing by Islamic People's Financing Bank (BPRS) in Java: Evidence from the COVID-19 Period (2019–2023). The research method used is the GMM dynamic panel analysis approach. The object of the study is the BPRS located in Java for the period Q1 2019-Q42023. The sampling technique uses the saturated sampling technique. This study uses panel data from 98 BPRS in Java for Q12019-Q42023. This study found that DPK has a positive and significant effect, inflation has a positive but not significant effect, the benchmark interest rate has a negative but not significant effect, and COVID-19 has a significant negative impact on MSME financing. The results of this study provide empirical information that BPRS in Java has quite good resilience in dealing with economic instability due to the COVID-19 pandemic. The Islamic microfinance system has flexibility in dealing with crises. It contributes to fulfilling the objectives of Maqashid Sharia, especially in maintaining assets (high al-mal) and the sustainability of the community's economy.
DIGITALISASI ARSIP ORGANISASI PEMUDA BERBASIS ANDROID UNTUK PEMBANGUNAN SMART VILLAGE Nugrahantoro, Achmad; Wati, Vera; Azhari Pohan, Ahmad; Bangun Lestari, Lutfi; Masfuha, Ilmi; Mukti Prabowo, Gilang
JATI (Jurnal Mahasiswa Teknik Informatika) Vol. 9 No. 4 (2025): JATI Vol. 9 No. 4
Publisher : Institut Teknologi Nasional Malang

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.36040/jati.v9i4.14085

Abstract

Arsip memiliki peran penting dalam mendukung keteraturan dan keberlanjutan informasi terutama dalam organisasi pemuda desa yang aktif dalam pembangunan smart village. Digitalisasi arsip melalui platform E-Archive berbasis Android menjadi solusi untuk meningkatkan efisiensi, aksesibilitas, dan integrasi data organisasi. Penelitian ini bertujuan mengevaluasi kelayakan pengembangan platform E-Archive dengan pendekatan TELOS. Hasil analisis menunjukkan bahwa sistem memenuhi seluruh kriteria kelayakan dengan skor total 8.5, dengan faktor teknis memperoleh nilai tertinggi. Penelitian ini menunjukkan bahwa platform E-Archive layak diimplementasikan dan mampu memperkuat tata kelola informasi yang transparan, efisien, dan berkelanjutan di lingkungan organisasi pemuda. Hasil pengujian fungsionalitas menunjukkan bahwa aplikasi berfungsi dengan baik, memenuhi kebutuhan pengguna, dan berpotensi meningkatkan kualitas tata kelola informasi di tingkat desa. Pengembangan lebih lanjut diharapkan dapat memperluas fitur serta meningkatkan kinerja platform E-Archive untuk mendukung inovasi digital dan pelestarian nilai lokal di desa.
Pemberdayaan Masyarakat Sitimulyo melalui Aksi Bakti Sosial Kolaborasi Universitas Madani dan Sekolah Tinggi Ilmu Tarbiyah Madani Lutfi Bangun Lestari; Mulyandari, Rita; Masfuha, Ilmi; Yuliantie, Emil; Putri, Dheya Kusuma Arianing; Mutiara, Maffyra Binar Firstya; Juharida, Azzah
Tanggap Masyarakat untuk Aksi dan Sinergi Vol. 1 No. 02 (2025): Volume 01 Nomor 02 - Juni 2025
Publisher : TAM Global Insights - PT. Treeta Amanah Mandiri Group

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

Abstract

Kegiatan bakti sosial bertema "Indahnya Berbagi dalam Naungan Al-Qur’an di Bulan Suci" merupakan kolaborasi antara Universitas Madani dan Sekolah Tinggi Ilmu Tarbiyah Madani yang bertujuan untuk memperkuat peran perguruan tinggi dalam pengabdian kepada masyarakat. Berlandaskan nilai-nilai Islam seperti dalam QS. Al-Ma’un ayat 1-3 dan sabda Rasulullah SAW tentang pentingnya kepedulian sosial, kegiatan ini menyasar 160 warga kurang mampu di empat padukuhan Kalurahan Sitimulyo, yakni Karanggayam, Karangploso, Mojosari, dan Kuden. Pelaksanaan kegiatan mencakup tadarus dan tausiah Al-Qur’an, layanan cek kesehatan gratis oleh Fakultas Kesehatan, serta pembagian sembako. Metode partisipatif dan kolaboratif menjadi pendekatan utama, didukung oleh pendataan lapangan dan koordinasi dengan tokoh masyarakat setempat. Selain memberi manfaat langsung bagi warga, kegiatan ini menjadi sarana pembelajaran lintas disiplin bagi civitas akademika serta memperkuat nilai spiritual, sosial, dan empati. Hasilnya menunjukkan penguatan solidaritas sosial, peningkatan kesadaran kesehatan, dan terciptanya interaksi yang harmonis antara kampus dan masyarakat. Kegiatan ini menjadi implementasi nyata Tri Dharma Perguruan Tinggi, yang direkomendasikan untuk dilakukan secara rutin dan diperluas jangkauannya guna mendukung pembangunan masyarakat yang berdaya dan berkarakter.
Pelatihan Canva untuk Digital Marketing Siswa Akhir SMA Pondok Pesantren Tahfidzul Qur'an Harun As-Syafi'i Putri Yogyakarta Ilmi Masfuha; Lutfi Bangun Lestari; Ahmad Azhari Pohan; Gilang Mukti Prabowo; Achmad Nugrahantoro
Tanggap Masyarakat untuk Aksi dan Sinergi Vol. 1 No. 02 (2025): Volume 01 Nomor 02 - Juni 2025
Publisher : TAM Global Insights - PT. Treeta Amanah Mandiri Group

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

Abstract

Di era digital, kemampuan desain grafis dan pemasaran digital menjadi keterampilan penting yang harus dimiliki oleh generasi muda, termasuk siswa tingkat akhir SMA dari lingkungan pesantren. Pelatihan Canva untuk digital marketing ini diselenggarakan oleh tim dosen Universitas Madani di SMA Pondok Pesantren Tahfidzul Qur'an Harun As-Syafi'i Putri Yogyakarta yang bertujuan untuk meningkatkan literasi digital dan kesiapan siswa menghadapi dunia kerja serta kewirausahaan. Kegiatan ini mencakup pengenalan konsep digital marketing, penggunaan platform Canva, praktik pembuatan konten visual, serta sesi interaktif tanya jawab. Hasil pelatihan menunjukkan peningkatan signifikan pada keterampilan desain grafis dan pemahaman peserta mengenai strategi pemasaran digital. Selain itu, pelatihan ini mendorong tumbuhnya motivasi berwirausaha digital di kalangan siswa. Dengan metode partisipatif dan pendekatan praktis, kegiatan ini berkontribusi dalam pembentukan kompetensi abad ke-21 yang relevan dan aplikatif.
Analisis Pengaruh Karakteristik Bank, Faktor Makroekonomi terhadap Pembiayaan Sektor UMKM pada Perbankan Syariah di Indonesia Lestari, Lutfi Bangun; Afandi, Akhsyim
Jurnal BAABU AL-ILMI: Ekonomi dan Perbankan Syariah Vol 5, No 2 (2020): Islamic economics and banking research
Publisher : Universitas Islam Negeri Fatmawati Sukarno Bengkulu

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.29300/ba.v5i2.2713

Abstract

MSMEs have an important role in national economic development, but the financing of the MSME sector always fluctuates from year to year and tends to decline. This study aims to analyze the effect of bank characteristics and macroeconomic factors on the financing of the MSME sector in Islamic banking in Indonesia. This study uses time series data which is monthly data on aggregate financial statements of Islamic Commercial Banks and Sharia Business Units in Indonesia. The analysis method used in this research is Autoregressive Distributed Lag (ARDL). The results showed that the variables that affect the financing of the BUS MSME sector in the short term are ROA and BI_Rate. Whereas in the long term, the variables that affect the financing of the BUS MSME sector are the bank office network and inflation. While DPK, NPF, exchange rates, ERP both in the short term and long term have no effect on the financing of the BUS MSME sector. Then the variables that affect UUS MSME sector financing in the short term are the bank office network, ROA and BI_Rate. Whereas in the long term, the variable that affects UUS MSME sector financing is the bank office network. Meanwhile, DPK, NPF, exchange rate, ERP both in the short and long term had no effect on the financing of the UUS MSME sector.
Study of Cryptocurrency Transaction through Fiqih Rules Approach (Qawa`id Fiqhiyah) lutfi bangun lestari
Journal of Southeast Asian Islam and Society Vol. 2 No. 2 (2023): JSEAIS
Publisher : UIN Sulthan Thaha Saifuddin Jambi

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.30631/jseais.v2i2.1599

Abstract

Cryptocurrency is a digital currency as part of the results of technological innovation and development. Its flexible existence makes people interested in making transactions with this cryptocurrency. The function of this currency is not much different from fiat currency in general, but crypto currency does not have a physical form because transactions use the internet network. So in this study, after conducting an analysis, it was found that the phenomenon of cryptocurrency transactions is included in the fiqh rules regarding harm and customs, according to the fiqh rules regarding the damage that a person is prohibited from committing acts that could endanger himself and also other people where the high fluctuating prices lead to speculation, which can cause harm, namely the risk of economic bubbles. Basically, the existence of cryptocurrency as a virtual currency is permissible because it has been recognized by various communities, but it must see legality and recognition by the government as a right and obligation of the government. Included in the issuance of the currency. Based on the analysis of fiqh rules about customs. It can be explained that cryptocurrency transactions are included in 'urf fasid because the transactions do not meet the requirements of 'urf authentic, even though their existence has begun to be recognized by the public so that it can be concluded that cryptocurrency transactions during observations through the fiqh rule approach have not found aspects that allow cryptocurrency transactions to be included in transactions that are prohibited by the Shari'a because they contain speculation that gives rise to gharar and maysir. Future prospects cannot be known because there are no underlying assets, and there is no financial authority to oversee them.
Co-Authors Achmad Nugrahantoro Achmad Nugrahantoro Ahmad Azhari Pohan Akhsyim Afandi, Akhsyim Azhari Pohan, Ahmad Gilang Mukti Prabowo Ilmi Masfuha Juharida, Azzah Masfuha, Ilmi Mukti Prabowo, Gilang Mulyandari, Rita Mutiara, Maffyra Binar Firstya Putri, Dheya Kusuma Arianing Wati, Vera Yuliantie, Emil