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All Journal Jurnal Ekonomi dan Bisnis Islam Jurnal Dinamika Ekonomi Syariah Jurnal Pengabdian Masyarakat Bhinneka Al-Hisbah Jurnal Ekonomi Syariah
Azzahroh, Evrita Putri
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Religion Agriculture, Biological Sciences & Forestry Computer Science & IT Economics, Econometrics & Finance Education Public Health Social Sciences Other

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A Conceptual Analysis: A Model for Developing Village Entrepreneurship Through the Mudharabah Contract Wakil, Abdul; Azzahroh, Evrita Putri; Maghfiroh, Rizka Amaliyah; Sanawati, Ciptia Khoirulina; Milawati, Nur Fazillah; Ismiati, Baiq
Al-Hisbah Jurnal Ekonomi Syariah Vol 5 No 2 (2025): Jurnal Alhisbah
Publisher : Institute Agama Islam Tafaqquh Fiddin Dumai

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.57113/his.v5i2.469

Abstract

This study aims to formulate a conceptual model of village entrepreneurship development based on the mudharabah contract within the perspective of Islamic economics. The research method employs a descriptive qualitative approach through systematic literature review and conceptual analysis using the framework of maqashid al-shariah. Thematic analysis was conducted on literature discussing the practice of mudharabah, village-based micro, small, and medium enterprises UMKM, and economic digitalization, resulting in a synthesis of the role of this contract in rural economic development. The findings reveal that mudharabah functions as a multifunctional instrument: first, providing more equitable access to capital through profit-sharing schemes; second, strengthening social solidarity through transparency and trustworthiness (amanah); third, fostering spiritual motivation with an orientation toward blessings (barakah); fourth, building digital trust for village products in online marketplaces; and fifth, enhancing community resilience against business risks.
Literasi Keuangan Pada Masayarakat Penerima Manfaat Program Keluarga Harapan Desa Perigi Kecamatan Gerung Kabupaten Lombok Barat Azzahroh, Evrita Putri; Saleh, Hendri; Widiaty, Eny; Alim, Sahirul; Milawati, Nurfazila; Zaini, Muh; Fathanah, Fani; Ulfa, Rahmatin; Hasanah, Ratu Nastriyah Mu'minatul; Muhtarom, Zamroni Alpian
Jurnal Pengabdian Masyarakat Bhinneka Vol. 4 No. 2 (2025): Bulan November
Publisher : Bhinneka Publishing

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.58266/jpmb.v4i2.726

Abstract

Kemampuan literasi keuangan merupakan keterampilan penting yang harus dimiliki setiap orang untuk mencapai kesejahteraan ekonomi yang berkelanjutan. Rendahnya kemampuan masyarakat dalam mengelola keuangan rumah tangga, terutama dalam membedakan antara kebutuhan dan keinginan, masih menjadi permasalahan utama bagi penerima manfaat Program Keluarga Harapan (PKH). Kegiatan pengabdian kepada masyarakat ini bertujuan untuk meningkatkan pengetahuan, sikap, dan keterampilan masyarakat penerima PKH di Kampung Perigi, Kecamatan Gerung, Kabupaten Lombok Barat, dalam mengelola keuangan keluarga secara bijak. Metode yang digunakan meliputi ceramah, diskusi interaktif, permainan edukatif, serta evaluasi melalui pretest dan posttest. Hasil kegiatan menunjukkan peningkatan pemahaman peserta terhadap konsep literasi keuangan dasar, pengelolaan pendapatan, perencanaan anggaran, dan pentingnya menabung. Evaluasi posttest memperlihatkan adanya peningkatan signifikan dibandingkan hasil pretest, menunjukkan efektivitas kegiatan dalam menumbuhkan kesadaran finansial. Respon masyarakat juga sangat positif, terlihat dari antusiasme selama pelaksanaan kegiatan. Dengan demikian, kegiatan ini berkontribusi nyata dalam membangun perilaku finansial yang lebih bijak dan mendukung peningkatan kesejahteraan keluarga penerima manfaat PKH di wilayah tersebut.
THE EFFECT OF SERVICE QUALITY ON CUSTOMER LOYALTY IN ISLAMIC BANKS WITH CUSTOMER SATISFACTION AS AN INTERVENING VARIABLE Ishak, Muhammad Zakiy; Azzahroh, Evrita Putri
Jurnal Ekonomi dan Bisnis Islam (Journal of Islamic Economics and Business) Vol. 3 No. 1 (2017): JANUARI-JUNI 2017
Publisher : Universitas Airlangga

Show Abstract | Download Original | Original Source | Check in Google Scholar | Full PDF (822.63 KB) | DOI: 10.20473/jebis.v3i1.3599

Abstract

This research aims to examine the role of customer satisfaction as a mediating variable to connecting service quality to customer loyalty in Islamic Banks. This study also tested compliance as the dimension for measure quality service in Islamic Bank. This research was conducted in five Islamic Banks which are in Indonesia. Data were collected using a questionnaire, distributed through are online and offline to the Islamic Bank customer. There are 100 questionnaires were successfully collected and analyzed using Structural Equation Modeling (SEM) to test the hypothesis with the application of Smart-PLS 3.0. the result of this study indicate that customer satisfaction is able to mediate (full mediation) in influence the service quality to customer loyalty in Islamic Banks.
ANALYSIS OF THE HEALTH LEVEL OF BANK NTB SYARIAH USING THE RGEC METHOD FOR THE 2020–2024 PERIOD Azzahroh, Evrita Putri; Nur Fazila Milawati
Jurnal Dinamika Ekonomi Syariah Vol. 13 No. 1 (2026): Jurnal Dinamika Ekonomi Syariah
Publisher : Program Studi Ekonomi Syariah, Universitas Pangeran Diponegoro Nganjuk

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.53429/jdes.v13i1.1941

Abstract

This study aims to analyze the health level of Bank NTB Syariah during the 2020–2024 period using the RGEC method, which comprises Risk Profile, Good Corporate Governance (GCG), Earnings, and Capital, as stipulated by the Financial Services Authority (OJK). The research employs a descriptive quantitative approach using secondary data obtained from the bank’s published annual financial reports. The results indicate that Bank NTB Syariah demonstrates a generally healthy financial condition throughout the observation period. From the Risk Profile aspect, the Non-Performing Financing (NPF) ratio consistently remains below the regulatory threshold of 5%, reflecting effective credit risk management, while the Financing to Deposit Ratio (FDR) shows the bank’s adequate liquidity management despite fluctuations in third-party funds. In terms of Good Corporate Governance, qualitative analysis based on annual reports and shareholders’ meetings indicates that governance practices are implemented in accordance with OJK guidelines and fall within the healthy category. The Earnings component, measured through Return on Assets (ROA), Return on Equity (ROE), and BOPO, reveals stable profitability performance, accompanied by a gradual improvement in operational efficiency. Meanwhile, the Capital aspect demonstrates strong capital adequacy, indicating the bank’s ability to absorb potential risks and support sustainable growth. Overall, the RGEC assessment confirms that Bank NTB Syariah has maintained sound financial performance and risk management following its conversion into a fully Sharia-compliant regional bank
Co-Authors Abdul Wakil, Abdul Alim, Sahirul Fathanah, Fani Hasanah, Ratu Nastriyah Mu'minatul Ismiati, Baiq Maghfiroh, Rizka Amaliyah Milawati, Nur Fazillah Milawati, Nurfazila Muhammad Zakiy Nur Fazila Milawati Saleh, Hendri Sanawati, Ciptia Khoirulina Ulfa, Rahmatin Widiaty, Eny Zaini, Muh Zamroni Alpian Muhtarom