Garuda - Garba Rujukan Digital

Pelatihan Digital Marketing dan Perencanaan Keuangan Syariah Pada Anggota Nasyiatul Aisyiyah Ponorogo Rezqi S, Nugraheni Fitroh; Albanjari, Fatkhur Rohman
Jurnal SOLMA Vol. 14 No. 3 (2025)
Publisher : Universitas Muhammadiyah Prof. DR. Hamka (UHAMKA Press)

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.22236/solma.v14i3.20116

Background: Rendahnya literasi keuangan syariah dan keterampilan digital marketing masih menjadi kendala utama bagi perempuan pelaku UMKM, termasuk anggota Nasyiatul Aisyiyah Cabang Siman, Ponorogo. Program ini bertujuan meningkatkan pemahaman keuangan syariah dan kemampuan pemasaran digital anggota agar lebih mandiri secara ekonomi. Metode: Kegiatan dilaksanakan melalui pelatihan intensif, pendampingan daring, dan evaluasi dengan melibatkan 32 peserta. Evaluasi dilakukan melalui pre-test/post-test, observasi praktik, dan wawancara. Hasil: Skor rata-rata peserta meningkat dari 54% (pre-test) menjadi 76% (post-test). Sebanyak 80% peserta mulai menerapkan pencatatan keuangan, 60% aktif memasarkan produk melalui media digital, dan 33% mengikuti program affiliate marketing. Kesimpulan: Program berhasil meningkatkan literasi keuangan syariah dan keterampilan digital marketing anggota NA Siman. Temuan ini menunjukkan pentingnya model pemberdayaan berbasis literasi digital-keuangan untuk mendukung kemandirian ekonomi Perempuan.

Innovation in Islamic Philanthropy Development in Increasing the Inclusiveness of Cash Waqf in Indonesia Fatkhur Rohman Albanjari; Fajriansyah Abdillah; Nugraheni Fitroh Rezqi Syakarna; Mazuri Binti Abd Ghani
Journal of Islamic Economic and Business Research Vol. 5 No. 2: December 2025
Publisher : Universitas Muhammadiyah Yogyakarta

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.18196/jiebr.v5i2.486

This research aims to explore innovations in Islamic philanthropy to enhance the inclusiveness of cash waqf in Indonesia. This research method employs a descriptive qualitative approach, utilizing data collection techniques that include interviews with five resource persons: the head of the institution, the cash waqf manager, the digital administrator, the waqf nadzir who collaborates with the foundation, and the waqif. Additionally, observation and documentation techniques were employed in this study. Data analysis was conducted using data reduction, field data presentation, and conclusion drawing. The results showed that, first, the importance of innovative and sustainable efforts in managing cash waqf. The innovation of access to cash waqf services in Yayasan Edukasi Wakaf Indonesia (YEWI) is demonstrated through various features and excellent programs, including collective, endowment, term, and tabarru' waqf, as well as Nazir Incubator Services, which enable communities to become part of the official waqf system. Second, the implementation of digitalizing cash waqf at YEWI has been carried out systematically and structurally through the Pasifamal.id platform, which encompasses the processes of collecting, managing, and distributing cash waqf. This digitalization makes transactions easier, faster, more transparent, and accountable. The platform offers a range of modern payment methods, including bank transfers, QRIS, and e-wallets, as well as real-time data on fund collection and comprehensive financial reports. This research gap demonstrates the importance of digital-based waqf, sustainable innovation, and collaboration in building an inclusive concept within Islamic philanthropy. These factors can build public trust and expand the reach of waqif to various levels of society.

Kepatuhan Syariah dalam Transformasi Digital pada layanan mobile Banking Syariah SYAKARNA, NUGRAHENI_; Syakarna, Nugraheni Fitroh Rezqi; Islahudin, Ahmad Noor
Adzkiya : Jurnal Hukum dan Ekonomi Syariah Vol 14 No 1 (2026): Adzkiya: Jurnal Hukum dan Ekonomi Syariah
Publisher : Fakultas Ekonomi dan Bisnis Islam Institut Agama Islam Negeri Meto

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.32332/k4r9hr20

This study aims to examine how Islamic banks in Indonesia implement digital transformation in mobile banking services while maintaining Shariah compliance, identify factors influencing the effectiveness of digital Shariah governance, and explore customers’ perceptions and experiences of these services. This research employs a qualitative method using a case study and Interpretative Phenomenological Analysis (IPA) approach. Data were collected through in-depth interviews, non-participatory observations, and document analysis, and were analyzed using the Miles, Huberman, and Saldaña framework. The findings reveal that Islamic banks have adopted technologies such as AI, blockchain, smart contracts, and automated Shariah notification features. However, digitalization still faces challenges, including limited technological competence among Sharia Supervisory Board members, insufficient development of digital Shariah governance frameworks, and the lack of maqāṣid al-sharī‘ah integration into digital product design. Customer perceptions indicate generally positive experiences regarding convenience and security, although understanding of Shariah principles within mobile applications remains limited. This study highlights the importance of value-based digital transformation that prioritizes not only technological efficiency but also strengthens Shariah compliance and customer trust.

Penguatan Literasi dan Perencanaan Keuangan Syariah bagi Imigran Indonesia di Malaysia Albanjari, Fatkhur Rohman; Syakarna, Nugraheni Fitroh R.; Zahara, Jihan Nabila; Abd. Ghani, Mazuri Binti
Jurnal SOLMA Vol. 15 No. 1 (2026)
Publisher : Universitas Muhammadiyah Prof. DR. Hamka (UHAMKA Press)

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.22236/solma.v15i1.22635

Background: Bagi Masyarakat imigran, penting merencanakan keuangan dan pengelolaan dengan bijak agar bisa mendatangkan manfaat masa depan. Tidak sedikit masyarakat yang merantau jauh keluar negeri hanya berfoya-foya tanpa menyisihkan sebagian harta untuk masa depan keluarganya secara Islami. Pengabdian Masyarakat ini bertujuan untuk meningkatkan literasi dan perencanaan keuangan syariah bagi imigran Indonesia di Malaysia. Tujuan Tim dari Universitas Muhammadiyah Ponorogo bekerja sama dengan Ketua SB Kampung Bharu memberikan edukasi kepada imigran tentang pengelolaan harta sesuai prinsip syariah agar lebih bermanfaat untuk masa kini dan masa depan. Metode: Metode kegiatan pengabdian ini melibatkan empat tahap: koordinasi, sosialisasi, pelatihan, dan evaluasi. Hasil: Hasil penelitian menunjukkan peningkatan pemahaman literasi keuangan syariah setelah program sosialisasi rata-rata 95%. Dimana sebelumnya rata-ratanya hanya sebesar 50% sebelum dilakukan sosialisasi. Imigran menjadi lebih sadar akan pentingnya pengelolaan keuangan yang bijak, termasuk investasi produktif dan penggunaan layanan keuangan syariah. Kesimpulan: Hasil ini diharapkan dapat memperkuat literasi keuangan dan memberikan dampak positif pada kesejahteraan imigran.

Kepatuhan Syariah dalam Transformasi Digital pada layanan mobile Banking Syariah SYAKARNA, NUGRAHENI_; Syakarna, Nugraheni Fitroh Rezqi; Islahudin, Ahmad Noor
Adzkiya : Jurnal Hukum dan Ekonomi Syariah Vol 14 No 1 (2026): Adzkiya: Jurnal Hukum dan Ekonomi Syariah
Publisher : Fakultas Ekonomi dan Bisnis Islam Institut Agama Islam Negeri Meto

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.32332/k4r9hr20

This study aims to examine how Islamic banks in Indonesia implement digital transformation in mobile banking services while maintaining Shariah compliance, identify factors influencing the effectiveness of digital Shariah governance, and explore customers’ perceptions and experiences of these services. This research employs a qualitative method using a case study and Interpretative Phenomenological Analysis (IPA) approach. Data were collected through in-depth interviews, non-participatory observations, and document analysis, and were analyzed using the Miles, Huberman, and Saldaña framework. The findings reveal that Islamic banks have adopted technologies such as AI, blockchain, smart contracts, and automated Shariah notification features. However, digitalization still faces challenges, including limited technological competence among Sharia Supervisory Board members, insufficient development of digital Shariah governance frameworks, and the lack of maqāṣid al-sharī‘ah integration into digital product design. Customer perceptions indicate generally positive experiences regarding convenience and security, although understanding of Shariah principles within mobile applications remains limited. This study highlights the importance of value-based digital transformation that prioritizes not only technological efficiency but also strengthens Shariah compliance and customer trust.

Islamic Green Banking Competitive Model: Strengthening Customer Loyalty in BPRS Mitra Mentari Sejahtera Fatkhur Rohman Albanjari; Nugraheni Fitroh R. Syakarna; Syafiatul Makrifah Maysarah; Anisah Salma Ramadhani
Islamic Economics Journal Vol. 12 No. 01 (2026): Islamic Economics Journal
Publisher : Faculty of Economics and Management

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.21111/iej.v12i01.62

Implementing green banking in Islamic credit banks (BPRS) is particularly challenging because these microfinance institutions operate with limited resources while simultaneously maintaining close social, religious, and community-based relationships with local customers. Environmental sustainability issues have encouraged the Islamic banking sector to integrate environmentally friendly principles into its operations through the concept of green banking. This study aims to analyze the implementation of green banking at BPRS Mitra Mentari Sejahtera and its effect on customer loyalty and competitive advantage. The research uses a mixed-methods sequential exploratory design, with a qualitative stage comprising in-depth interviews and Focus Group Discussions (FGDs), followed by the Analytic Network Process (ANP) to determine the priority factors in the decision network model. The participants included the Branch Manager, Funding Officers, Operational Managers, Islamic banking practitioners, and selected customers who were involved in banking services. The results show that green financing is the dominant factor in implementing green banking, while reputation is the main determinant of competitive advantage. In terms of customer loyalty, trust has the highest weight compared to satisfaction, commitment, and word of mouth. Priority analysis indicates that green banking contributes more strongly to competitive advantage than to customer loyalty directly, with reputation and green financing as the main drivers of competitiveness. Customer loyalty is formed indirectly by strengthening institutional reputation and customer trust. These findings confirm that green banking at BPRS is not merely an operational policy but rather a value-based institutional strategy that strengthens reputation and builds trust, the foundation of customer loyalty.

Assistance To Improve Social Welfare Through Religious Awareness And Psychological Well-Being Based On Family Development Sessions For Muslim Communities Receiving Social Welfare In Sawoo District, Ponorogo Regency Fatkhur Rohman Albanjari; Yusuf Hamdani Abdi; Nugraheni Fitroh R.Syakarna; Mazuri Binti Abd Ghani
International Journal Of Community Service Vol. 4 No. 4 (2024): November 2024 (Indonesia - Thailand - Malaysia)
Publisher : CV. Inara in Colaboration with www.stie-sampit.ac.id

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.51601/ijcs.v4i4.805

This research aims to improve the social welfare of Muslim community recipients of social assistance in Sawoo District, Ponorogo, through increasing religious awareness and psychological well-being based on Family Development Session (FDS). The hypothesis proposed is that increasing religious awareness through FDS can improve social welfare. The research methods include needs identification, implementation of FDS sessions, and evaluation of program impacts through social welfare measurement before and after the intervention. The training uses a psychological capital approach (HERO: hope, self-efficacy, resilience, optimism) with an experiential learning method. The study participants were 60 people from various age groups. Religious orientation was measured using the Religious Orientation Scale (ROS) and psychological well-being was measured using the Ryff Scale of Psychological Well-being. The results of the data analysis showed a significant improvement in religious awareness and psychological well-being of participants after training, supporting the hypothesis that increased religious awareness through FDS contributes to social well-being.

Pendampingan Literasi Keuangan Syariah Melalui Metode Finansial Behavior Therapy Bagi Penyandang Disabilitas Tunanetra di Ponorogo Nugraheni Fitroh R. Syakarna; Fatkhur Rohman Albanjari; Septin Maisharah Karyono
Jurnal SOLMA Vol. 15 No. 2 (2026)
Publisher : Universitas Muhammadiyah Prof. DR. Hamka (UHAMKA Press)

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.22236/solma.v15i2.23363

Background: Penyandang disabilitas merupakan kelompok masyarakat yang memiliki keterbatasan dalam mengakses informasi dan layanan publik, termasuk layanan pendidikan dan ekonomi. Program pengabdian masyarakat ini bertujuan untuk meningkatkan literasi keuangan syariah bagi penyandang disabilitas tunanetra di Ponorogo melalui pendekatan Financial Behavior Therapy (FBT). Metode: Kegiatan dilaksanakan sebanyak delapan kali pertemuan meliputi tahap pre-test, pelatihan, pendampingan, hingga post-test. Materi disampaikan menggunakan media aksesibel seperti modul audio, Braille, dan e-celengan pintar ramah tunanetra. Hasil: Hasil kegiatan menunjukkan peningkatan pemahaman peserta terhadap konsep keuangan syariah, keterampilan mengatur keuangan, serta perubahan perilaku finansial yang lebih positif. Rata-rata nilai post-test meningkat satu tingkat dibanding pre-test. Program ini tidak hanya meningkatkan pengetahuan, tetapi juga menumbuhkan kemandirian ekonomi dan kepercayaan diri peserta. Kesimpulan: pengabdian ini menunjukkan bahwa penerapan FBT efektif dalam membentuk perilaku keuangan adaptif dan resiliensi ekonomi pada komunitas disabilitas tunanetra.

Manajemen Sumber Daya Insani Berbasis Kaderisasi Dalam Mendukung Keberlanjutan Program Ekopesantren Syafiatul Maysarah; Fatkhur Rohman Albanjari; Nugraheni Fitroh Rezqi Syakarna
Jurilma Vol. 3 No. 1 (2026): Juni 2026
Publisher : CV.RIZANIA MEDIA PRATAMA

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.69533/jurilma.volume3number1.565

Program Ekopesantren tidak hanya membutuhkan dukungan sarana dan kebijakan lingkungan, tetapi juga pengelolaan sumber daya insani yang mampu menjamin keberlanjutan program. Namun, penelitian mengenai manajemen sumber daya insani (MSDI) di pesantren umumnya membahas fungsi-fungsi MSDI secara parsial, sementara kajian yang mengintegrasikan fungsi MSDI dengan kaderisasi dan keberlanjutan program Ekopesantren masih terbatas. Penelitian ini bertujuan menganalisis implementasi MSDI dalam mendukung program Ekopesantren serta mengidentifikasi pola kaderisasi dan pengembangan sumber daya insani di Pondok Pesantren Darul Falah Sukorejo, Ponorogo. Penelitian menggunakan pendekatan kualitatif dengan desain deskriptif. Data diperoleh melalui wawancara mendalam, observasi, dan dokumentasi terhadap pimpinan pesantren, pengelola program Ekopesantren, dan santri yang dipilih secara purposive. Analisis data dilakukan melalui reduksi data, penyajian data, dan penarikan kesimpulan, dengan penguatan kredibilitas melalui triangulasi sumber dan teknik. Hasil penelitian menunjukkan bahwa implementasi MSDI mencakup tujuh fungsi, yaitu identifikasi sumber daya insani, rekrutmen dan seleksi, pelatihan dan pengembangan, penilaian kinerja, pemenuhan hak dan apresiasi, hubungan kerja, serta pengembangan karir. Ketujuh fungsi tersebut saling berkaitan dan membentuk pola kaderisasi internal yang mengintegrasikan pendidikan, pembentukan karakter, pengembangan kompetensi, pemberian tanggung jawab, serta praktik keberlanjutan lingkungan. Temuan ini berkontribusi pada pengembangan ilmu manajemen dengan memperluas perspektif MSDI pada organisasi berbasis nilai, khususnya pesantren, bahwa MSDI tidak hanya berfungsi sebagai pengelolaan hubungan kerja, tetapi juga sebagai mekanisme kaderisasi dan keberlanjutan organisasi. Secara praktis, pesantren dapat memperkuat keberlanjutan Ekopesantren melalui sistem evaluasi yang lebih terstruktur, dokumentasi pengembangan kompetensi, apresiasi yang lebih merata, serta pemetaan kompetensi dan jalur pengabdian alumni.

Program Penguatan Mental, Literasi Keuangan Syariah, dan Literasi Islami untuk Penguatan Kemandirian dan Pemberdayaan Penyandang Disabilitas Tunanetra di LKS Tunanetra Aisyiyah Ponorogo Afitria Rizkiana; Nugraheni Fitroh Rezqi Syakarna; Cindy Dewi Yani; Wahyudi Setiyawan; Ragil Dian Putri
Panrita Abdi - Jurnal Pengabdian pada Masyarakat Vol. 10 No. 3 (2026): Jurnal Panrita Abdi - Juli 2026
Publisher : LP2M Universitas Hasanuddin

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.20956/pa.v10i3.48950

This community service program aimed to strengthen the independence and empowerment of persons with visual disabilities through interventions focusing on mental resilience, Sharia financial literacy, and Islamic literacy at LKS Tunanetra Aisyiyah Ponorogo. The program was developed in response to the limited access to psychological support and financial education among individuals with visual impairments, which often affects their self-reliance and participation in social and economic activities. The interventions were conducted through psychoeducational sessions, group discussions, practical training modules, and guided reflective activities implemented across several meetings. A qualitative approach was employed to evaluate the program, with data collected through interviews, observations, and participant reflections to identify changes in knowledge, confidence, and behavioral readiness. The findings revealed improvements in participants’ emotional regulation skills, increased confidence in managing personal finances according to Sharia principles, and enhanced understanding of Islamic teachings applicable to daily life. In addition, the activities encouraged peer support, strengthened social connectedness, and fostered a greater sense of personal agency among participants. Overall, the program demonstrates that an integrated approach combining psychological strengthening, financial literacy, and religious literacy can effectively promote the empowerment and self-reliance of persons with visual disabilities. Future initiatives are recommended to expand collaborative partnerships and provide more advanced skill-development programs to ensure sustainable long-term impact. Program pengabdian kepada masyarakat ini bertujuan untuk memperkuat kemandirian dan pemberdayaan penyandang disabilitas tunanetra melalui intervensi yang berfokus pada penguatan mental, literasi keuangan syariah, dan literasi Islami di LKS Tunanetra Aisyiyah Ponorogo. Program ini dikembangkan sebagai respons terhadap keterbatasan akses penyandang tunanetra terhadap dukungan psikologis dan pendidikan keuangan, yang sering kali memengaruhi kemampuan mereka untuk mandiri serta berpartisipasi aktif dalam kehidupan sosial dan ekonomi. Intervensi dilaksanakan melalui sesi psikoedukasi, diskusi kelompok, pelatihan praktis, serta kegiatan reflektif terpandu yang dilakukan dalam beberapa pertemuan. Pendekatan kualitatif digunakan untuk mengevaluasi program dengan pengumpulan data melalui wawancara, observasi, dan refleksi peserta guna mengidentifikasi perubahan pengetahuan, kepercayaan diri, dan kesiapan perilaku peserta. Hasil kegiatan menunjukkan adanya peningkatan kemampuan regulasi emosi, meningkatnya kepercayaan diri peserta dalam mengelola keuangan pribadi berdasarkan prinsip syariah, serta bertambahnya pemahaman mengenai ajaran Islam yang relevan dengan kehidupan sehari-hari. Selain itu, kegiatan ini juga mendorong terbentuknya dukungan antar peserta, memperkuat keterhubungan sosial, dan meningkatkan rasa keberdayaan diri. Secara keseluruhan, program ini menunjukkan bahwa pendekatan terintegrasi yang menggabungkan penguatan psikologis, literasi keuangan, dan literasi keagamaan dapat secara efektif meningkatkan kemandirian dan pemberdayaan penyandang disabilitas tunanetra. Program selanjutnya disarankan untuk memperluas kemitraan kolaboratif dan menghadirkan pelatihan keterampilan lanjutan guna memastikan dampak jangka panjang yang berkelanjutan

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