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All Journal Jurnal Maneksi (Management Ekonomi Dan Akuntansi) Li Falah: Jurnal Studi Ekonomi dan Bisnis Islam Abdimas Dewantara GERVASI: Jurnal Pengabdian kepada Masyarakat Profit : Jurnal Kajian Ekonomi dan Perbankan Syariah Budapest International Research and Critics Institute-Journal (BIRCI-Journal): Humanities and Social Sciences El-Qist : Journal of Islamic Economics and Business (JIEB) Nusantara Science and Technology Proceedings Jurnal Pengabdian UNDIKMA Jurnal Abdimas Ilmiah Citra Bakti (JAICB) Jurnal Ilmiah Wahana Pendidikan Econetica Jurnal Abdimas Bina Bangsa Jurnal Abdimas Kartika Wijayakusuma Unram Journal of Community Service (UJCS) Diponegoro Journal of Islamic Economics and Business WELFARE Jurnal Ilmu Ekonomi Jurnal Ekonomi dan Binsis Dharma Pengabdian Perguruan Tinggi (DEPATI) Journal of Economics Nanggroe: Journal Of Scholarly Service Jurnal Ekonomi Syariah JURNAL EKONOMI BISNIS DAN MANAJEMEN Jurnal Ekonomi Kreatif Indonesia Jurnal Inovasi Bisnis Indonesia (JIBI) Nanggroe: Journal of Scholarly Service Jurnal Ekonomi Bisnis dan Manajemen Jurnal Ilmiah Ekonomi dan Manajemen RISK : Jurnal Riset Bisnis dan Ekonomi El-Mal: Jurnal Kajian Ekonomi & Bisnis Islam JURNAL RUMPUN MANAJEMEN DAN EKONOMI JURNAL ILMIAH EKONOMI, MANAJEMEN, BISNIS DAN AKUNTANSI Journal of Development Economics and Digitalization, Tourism Economics (JDEDTE) Jurnal Ekonomi Manajemen Dan Bisnis (JEMB) Journal of Ekonomics, Finance, and Management Studies As-Syirkah: Islamic Economic & Financial Journal Jurnal Abdimas Ilmiah Citra Bakti
Nisa, Fauzatul Laily
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Pengaruh Pembiayaan Mudharabah, Musyarakah, dan Ijarah Terhadap Return on Assets (ROA) Pada Bank Muamalat Indonesia Tahun 2019 – 2023 Machfudloh, Nur Anis; Nisa, Fauzatul Laily
Jurnal Maneksi (Management Ekonomi Dan Akuntansi) Vol. 13 No. 3 (2024): SEPTEMBER
Publisher : Politeknik Negeri Ambon

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.31959/jm.v13i3.2269

Abstract

ABSTRACT The indicator that becomes a reference in assessing the health of a Return on Assets (ROA) is the bank's profitability. A bank's ability to effectively manage bank assets explains why it has a high ROA percentage. The study aims to determine whether Bank Muamalat Indonesia's Return on Assets (ROA) is affected simultaneously or in part by mudharabah, musharakah, and rent (Ijarah). The approach in the study is a quantitative approach and testing 20 secondary data. The method of data collection with documentation techniques refers to Bank Muamalat Indonesia's Quarterly Financial Statements. Data processing method with multiple linear regression and classical assumptions. From testing the data, it was concluded that Bank Muamalat Indonesia's Return on Assets (ROA) during the 2019 – 2023 period was influenced by bank financing – the bank's financing was simultaneously shown in the value of ≥ (7,953 ≥ 3,24) with a significance of 0.002 < 0.05. Partially, Mudharabah financing has no relation to ROA because of the probability of 0.310 > 0.05. Meanwhile, the probability of Musyarakah is 0.006 < 5% and Ijarah is 0.001 < 5%, which means that partially both have a relationship with every change in Return on Assets (ROA) at Bank Muamalat Indonesia. ABSTRAK Indikator yang menjadi acuan dalam menilai kesehatan Return on Assets (ROA) adalah profitabilitas bank. Kemampuan bank dalam mengelola aset bank secara efektif menjelaskan mengapa bank tersebut memiliki persentase ROA yang tinggi. Penelitian ini bertujuan untuk mengetahui apakah Return on Assets (ROA) Bank Muamalat Indonesia dipengaruhi secara simultan atau sebagian oleh mudharabah, musyarakah, dan sewa (Ijarah). Pendekatan dalam penelitian ini adalah pendekatan kuantitatif dan menguji 20 data sekunder. Metode pengumpulan data dengan teknik dokumentasi mengacu pada Laporan Keuangan Triwulan Bank Muamalat Indonesia. Metode pengolahan data dengan regresi linier berganda dan asumsi klasik. Dari pengujian data diperoleh kesimpulan bahwa Return on Assets (ROA) Bank Muamalat Indonesia periode 2019 – 2023 dipengaruhi oleh pembiayaan perbankan – pembiayaan bank secara simultan ditunjukkan pada nilai ≥ (7,953 ≥ 3,24) dengan signifikansi 0,002 < 0,05. Secara parsial pembiayaan Mudharabah tidak mempunyai hubungan terhadap ROA karena probabilitas 0.310 > 0.05. Sedangkan probabilitas Musyarakah sebesar 0,006 < 5% dan Ijarah sebesar 0,001 < 5% yang berarti secara parsial keduanya mempunyai hubungan terhadap setiap perubahan Return on Assets (ROA) pada Bank Muamalat Indonesia. Kata kunci: Mudharabah; Musyarakah; Ijarah; Return on Assets.
Pemberdayaan UMKM Melalui Program Bestee Dalam Upaya Meningkatkan Daya Saing Bisnis di BTPN Syariah MMS Rambipuji Kabupaten Jember Rachman, Jalaluddin Abdul; Nisa, Fauzatul Laily; Utami, Anisa Fitria
Jurnal Pengabdian UNDIKMA Vol. 5 No. 3 (2024): August
Publisher : LPPM Universitas Pendidikan Mandalika (UNDIKMA)

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.33394/jpu.v5i3.12074

Abstract

Community service through the Bestee program assistance aims to increase the competitiveness of customers who are Micro, Small, and Medium Enterprises (MSMEs) MMS Rambipuji. Through various forms of structured and sustainable mentoring, this program focuses on providing the necessary knowledge, skills, and human resource training for MSME actors in optimizing and developing their business activities. So that it can improve the standard of living and economy of MSME customers. The method of implementing this service uses socialization of Bestee programs, training, and mentoring. The evaluation instrument of this activity uses a questionnaire and is analyzed descriptively. The results of this service show that the mentoring of this Bestee program has a significant impact on changing the thinking and strategies of MSME actors. This mentoring includes improving marketing strategies, business identity, and good management, including financial management, human resources, and business operations. Focusing on improving understanding of proper management and strategies as well as modern marketing can help MSME actors reach a wider range of consumers and increase sales.
Pembangunan Desa Laweyan Melalui UMKM Kreatif Unggulan Nisa, Fauzatul Laily; Fadil, Cholid
Nanggroe: Jurnal Pengabdian Cendikia Vol 3, No 2 (2024): May
Publisher : Yayasan Daarul Huda Kruengmane

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.5281/zenodo.11175972

Abstract

Village development is an important aspect in encouraging economic growth and community welfare in Indonesia. This research aims to analyze Laweyan village development efforts through superior creative MSMEs and their impact on economic growth and welfare of local communities with a research focus on mushroom farmers and bamboo woven craftsmen. The location is in Laweyan Village, Sumberasih District, Probolinggo Regency. The method used is PAR (Participatory Action Research) and other approaches such as training and mentoring. Through the profile of superior creative MSMEs which include mushroom farmers and woven craftsmen, Laweyan Village can take advantage of its cultural riches and economic potential. Top creative MSMEs are very important for the growth of Laweyan Village. The results of this research show that the people in Laweyan Village optimize the resources and potential of the village so as to produce superior creative MSMEs which can ultimately strengthen cultural identity, improve the quality of life of the community, and attract tourists to visit this village. However, limited access to funds, marketing and distribution, lack of skills and creativity, strengthening networks and collaboration, and preserving intellectual property rights. Apart from that, the existence of superior creative MSMEs plays an important role in village development, namely in local economic growth, increasing community income, social development, cultural preservation, as well as tourism and village promotion.
Penerapan Akad Murabahah dalam Pembiayaan bagi Nasabah Inklusif di BTPN Syariah Setiawan, Mohammad Irvan; Oktafia, Renny; Nisa, Fauzatul Laily
El-Mal: Jurnal Kajian Ekonomi & Bisnis Islam Vol. 5 No. 2 (2024): El-Mal: Jurnal Kajian Ekonomi & Bisnis Islam
Publisher : Intitut Agama Islam Nasional Laa Roiba Bogor

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.47467/elmal.v5i2.609

Abstract

The existence of Islamic banking in the midst of Indonesian community activities is one of the options in carrying out economic activities, Islamic banks that operate according to Islamic principles. One of the Islamic banks in Indonesia is Bank BTPN Syariah, in the financial sector carried out by BTPN Syariah there is one financing product that uses a murabahah contract. The agreement in question is the same as the sale and purchase contract. The financing carried out by BTPN Syariah is intended for inclusive customers who are underprivileged mothers who have not been touched by banks, so BTPN Syariah's role here is to provide financing and training in developing its customers' businesses. The method used in this study is a qualitative research method by conducting interviews and observations. Based on the results of the research that has been conducted, it is known that the application of murabahah contracts in financing at BTPN Syariah is also carried out with Wakalah contracts so that the purchase of goods is not carried out directly by the bank, but the purchase of goods is represented to the customer by the bank. So that the financing carried out by BTPN Syariah does not fully use a murabahah contract, but becomes a wakalah wal murabahah contract on "Tepat Pembiayaan Syariah" financing product. Keywords: BTPN Syariah, Financing, Murabahah Contract
Pengaruh Kepercayaan Nasabah Terhadap Minat Menabung di Bank Syariah Novianto, Satrio; Nisa, Fauzatul Laily
As-Syirkah: Islamic Economic & Financial Journal Vol. 3 No. 3 (2024): As-Syirkah: Islamic Economic & Financial Journal 
Publisher : Ikatan Da'i Indonesia

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.56672/tnrxep11

Abstract

This study examines the impact of customer trust on savings interest in Shariah banks. Shariah banks, which operate based on Islamic principles, have gained popularity globally due to their unique financial products and services. However, customer trust remains a crucial factor in determining the success of these banks. This research aims to investigate the relationship between customer trust and savings interest in Shariah banks, with the goal of providing insights for these institutions to enhance customer loyalty and retention. The study employs a survey methodology and uses a sample of Shariah bank customers. The results indicate that customer trust significantly influences savings interest in Shariah banks, suggesting that banks should focus on building trust with their customers to increase savings interest.
Pengaruh Penerapan Prinsip- Prinsip Ekonomi Syariah Terhadap Kinerja Keuangan Perbankan Islam Novianto, Satrio; Nisa, Fauzatul Laily
As-Syirkah: Islamic Economic & Financial Journal Vol. 3 No. 3 (2024): As-Syirkah: Islamic Economic & Financial Journal 
Publisher : Ikatan Da'i Indonesia

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.56672/y4tdez07

Abstract

The application of sharia economic principles in Islamic banking has a significant impact on banking financial performance. This research discusses how the implementation of sharia economic principles in Islamic banking can improve banking financial performance. The research results show that Islamic banking which applies sharia economic principles has better financial performance compared to conventional banking. Sharia economic principles such as ethical risk management, development of Islamic capital markets, and community economic empowerment contribute to improving the financial performance of Islamic banking. In synthesis, this research shows that the application of sharia economic principles in Islamic banking can improve banking financial performance and increase public awareness about the importance of sharia economic principles in financial management.  
Tinjauan Etika Bisnis Islam terhadap Sharia Compliance dan Social Impact pada Homestay Syariah di Gayungan Surabaya: Islamic Business Ethics Review on Sharia Compliance and Social Impact on Sharia Homestay in Gayungan Surabaya Nisa, Fauzatul Laily
El-Qist: Journal of Islamic Economics and Business (JIEB) Vol. 11 No. 1 (2021): April
Publisher : Islamic Economics Department, Faculty of Islamic Economics and Business, Sunan Ampel State Islamic University, Surabaya Indonesia

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.15642/elqist.2021.11.1.60-81

Abstract

This research is structured to answer the problems: (1) How is the implementation of sharia compliance; (2) What is the social impact caused by Sharia Homestay on the surrounding community; (3) How is the review of Islamic business ethics on sharia compliance and social impact. It is qualitative researc The sources of this research are owners, employees, and the community. The conclusion is (1) The implementation of sharia compliance has met the indicators of entertainment facilities food/drink, while the indicators of worship facilities and manager clothes. All Sharia homestays do not meet the indicators of Islamic financial institutions; (2) The social impact that all Sharia homestays have on society has a positive impact on lifestyle and fashion expression indicators and harms indicators of social relationship behavior and individual and collective values. The indicators of change in a social system, some have a positive impact, and some have no impact; (3) Review of Islamic business ethics on sharia compliance and social impact on Sharia homestay, some of which accordance with Islamic business ethics because they have fulfilled the principles of permissibility and benefit, and others have not fulfilled the principles of unity, justice, responsibility, truth, policies, honesty. Keywords: Business; Sharia Compliance; Social Impact; Homestay.   Abstrak: Penelitian ini disusun untuk menjawab permasalahan berikut: (1) bagaimana penerapan sharia compliance pada Homestay Syariah; (2) Bagaimana social impact yang ditimbulkan oleh Homestay Syariah terhadap masyarakat sekitarnya; (3) Bagaimana tinjauan etika bisnis Islam terhadap sharia compliance dan social impact pada Homestay Syaria Penelitian ini merupakan penelitian kualitatif. Narasumber penelitian ini adalah Pemilik/pengelola, Karyawan, dan Masyarakat sekitar. Dapat disimpulkan bahwa (1) Penerapan sharia compliance pada keempat Homestay Syariah telah memenuhi indikator fasilitas hiburan serta makanan/ minuman, sedangkan untuk indikator fasilitas ibadah dan pakaian, sebagian telah sesuai, namun sebagian belum. Selain itu, keempat Homestay Syariah belum memenuhi indikator lembaga keuangan syariah; (2) Social impact yang ditimbulkan keempat Homestay Syariah terhadap masyarakat disekitarnya berdampak positif dalam indikator gaya hidup dan ekspresi mode, dan berdampak negatif dalam indikator perilaku hubungan sosial serta nilai-nilai individu dan kolektif. Sedangkan untuk indikator perubahan sistem sosial, sebagian berdampak positif dan sebagian tidak berdampak apapun terhadap masyarakat; (3) Tinjauan etika bisnis Islam terhadap sharia compliance dan social impact pada Homestay Syariah, sebagian sudah sesuai dengan etika bisnis Islam karena telah memenuhi prinsip kebolehan dan kemanfaatan, serta sebagian lainnya masih belum sesuai dengan etika bisnis Islam karena belum memnuhi prinsip kesatuan, keadilan, pertanggung jawaban, dan kebenaran, kebijakan, kejujuran. Kata Kunci: Bisnis; Sharia Compliance; Social Impact; Homestay.
Assistance for NIB Registration in an Effort to Increase Legality and Competitiveness of MSMEs in Simoangin-angin Village Syarif, Muhammad Zulfan; Nisa, Fauzatul Laily; Oktafia, Renny
Unram Journal of Community Service Vol. 6 No. 1 (2025): March
Publisher : Pascasarjana Universitas Mataram

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.29303/ujcs.v6i1.832

Abstract

Micro, Small, and Medium Enterprises (MSMEs) play a vital role in regional economic development, yet many MSME owners lack a Business Identification Number (NIB). This community service aimed to enhance business legality and competitiveness through NIB registration assistance in Simoangin-angin Village, Wonoayu, as part of the BPS Statistics Office's Desa Cantik (Statistics-Loving Village) program. The methods used were socialization and assistance, both in-person and online. The program involved 80 micro-business owners, resulting in 12 NIBs created during direct assistance and 28 NIBs through online assistance. Main obstacles included technological limitations and lack of response in online processes. The program successfully increased MSME owners' understanding of NIB importance and statistical literacy, while providing broader access to business development opportunities
Efforts to Develop the Capacity of MSMEs Through Business Assistance for BTPN Syariah Customers at the Pogalan Trenggalek Sharia Mobile Market Febrianti, Fina Fajar; Nisa, Fauzatul Laily; Oktafia, Renny
Unram Journal of Community Service Vol. 6 No. 1 (2025): March
Publisher : Pascasarjana Universitas Mataram

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.29303/ujcs.v6i1.836

Abstract

This service program focuses on empowering Micro, Small and Medium Enterprises (MSMEs) in the MMS Pogalan area by BTPN Syariah. The aim of the activity is to identify the implementation of mentoring programs, analyze supporting and inhibiting factors, and provide an impact on customer business development. The method implemented is carried out through direct training and socialization using interview techniques, using SWOT analysis to share the potential and challenges of MSMEs. Mentoring is carried out over four sessions, with each session lasting one month and four meetings. The results of the service show a significant impact on various aspects of the business. Economically, there is an increase in turnover with the expansion of the marketing reach. The managerial aspect has undergone a transformation with the ability of MSME players to carry out simple bookkeeping, separate personal and business finances, and make sustainable financial plans. Branding and marketing are developing with the creation of brand identities and the use of social media for promotions. The most basic psychological and social impact is increasing the self-confidence, motivation and adaptability of business actors. Even though it can overcome limited resources and traditional cultural barriers, the BTPN Syariah mentoring program proves that empowering MSMEs requires a comprehensive approach that goes beyond just financial assistance, covering managerial, psychological and socio-economic aspects.
BTPN Syariah Customer Assistance Strategy in the Syariah Mobile Marketing Area of Pengasih District Permatasari, Siviana; Oktafia, Renny; Nisa, Fauzatul Laily
Unram Journal of Community Service Vol. 6 No. 1 (2025): March
Publisher : Pascasarjana Universitas Mataram

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.29303/ujcs.v6i1.837

Abstract

The mentoring program for BTPN Syariah customers through the Mobile Marketing Syariah approach in Pengasih District aims to enhance the economic capacity of productive underprivileged communities. This program adopts the Asset-Based Community Development (ABCD) method, focusing on identifying and leveraging community assets to promote Sharia-based economic empowerment. The results demonstrate improvements in financial management skills, including the ability to separate business and personal finances. Additionally, there is an increase in customers’ confidence, accompanied by the adoption of simple technologies such as digital financial recording applications and e-commerce platforms. In the marketing aspect, customers successfully expanded their market reach to broader levels. The program also fostered the creation of sustainable community support systems, such as profit-sharing schemes within business groups. However, challenges such as limited infrastructure and technology access remain and require collaborative solutions. Continued mentoring and capacity building for facilitators are expected to strengthen the positive impact of this program, supporting holistic and sustainable empowerment of underprivileged communities
Co-Authors Abdus Salam, Abdus Adiba, Anggita Farah Amalia, Holisatul Anggraeni, Eka Sulistya Anisa Fitria Utami Anwar, Mochamad Rizal Arafat, La Ode Ahmad Ardelia, Davina Nasywa Asmara, Kiki Asmara, Kiky Aurora, Rif’ Aida Mirza Aziz, Rizqi Nurul Afifa Cendrawati, Vinda Cholid Fadil Fadel, Adrian Faiqotul Himmah Febrian, Riska Febrianti, Fina Fajar Fironika, Firda Cahaya Fisardi, Delfi Miliani Saputri Fitri, Anisa Hafizhah, Aqilah Nur Isnaini Hartanti, Wulan Siska Dwi Ilmiawan, Muhammad Iqbal Imtihani, Evi Khairunisa, Siti Kurniawan, Muhammad Rizky Dwi Machfudloh, Nur Anis Majid, Alfi Aulia Mandasari, Virginia Mantika, Tri Yuni Marseto, Marseto Marshelynda, Alfia Rahmadhanti Mayla Farida Mentari Clara Dewanti, Mentari Clara Mufajar, Aniswatin Putri Nandina Fida Salsabilla Novianto, Satrio Pangesti, Anggita Mulia Permana, Yoga Permatasari, Siviana Pramita, Vena Tri Pratama, Mohammad Adi Pratiwi, Ayuntin Nonik Puteri, Natasha Arvanessa Putri, Evi Fortuna Sukiran Rachman, Jalaluddin Abdul Rachmaniyah, Bunga Ayufi Rahman, Moh Syaiful Ramadhika Handrawan, Muhammad Nizham Renny Oktafia, Renny Risdiandari, Nasya Ivana Ristiyono, Adinda Dwi Riyanti, Dini Rusdaryanti, Novieka Wahyu Putri Safi’i, M.Arief Salsabila, Syaila Setiawan, Mohammad Irvan Shelawati, Amanda Sinaga, Debora Theresia Wulan Sishadiyati Siti Nur Jannah Syafitri, Aulia Daisy Arsy Syarif, Muhammad Zulfan Taher, Lisanur Kholifah Tamami, Dita Soffiya Umtami, Anisa Fitria Wasesa, Aji Wati, Ika Murni Wulandari, Khotimah Tri Yusuf, Ahmad Saifulloh Zaky Al Hakim, Muhammad Rayhan Zebua, Michael