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All Journal Istinbath: Jurnal Hukum dan Ekonomi Islam JURNAL ABDIMAS TRIDHARMA MANAJEMEN Indonesian Journal of Innovation Studies
Azzahra, Amelia
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Religion Humanities Computer Science & IT Economics, Econometrics & Finance Education Engineering Law, Crime, Criminology & Criminal Justice

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Pengenalan Pengelolaan Keuangan Sederhana Dan Edukasi Pentingnya Menabung Sejak Dini Di Yayasan Yatim Mandiri Reni Jaya Azzahra, Amelia; Galantika, Adinda Evan Geulista; Suparman, Alviani; Agustin, Inka Nadiah; Hasanah, Neneng
Jurnal Abdimas Tri Dharma Manajemen Vol. 3 No. 2 (2022): ABDIMAS April 2022
Publisher : Universitas Pamulang

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.32493/ABMAS.v3i2.p28-32.y2022

Abstract

Membiasakan menabung merupakan karakter yang perlu diterapkan bagi anak sejak dini. Penanaman budaya manabung yang dilakukan terhadap anak sedini mungkin sangat berpengaruh terhadap pemahaman dan pengatahuan tentang mengelolah keuangan serta perencanaan keuangan di masa akan datang. Sifat anak yang masih konkret dan masih dalam tahap perkembangan sangat efektif untuk menanamkan budaya menabung. Pengabdian masyarakat Universitas Pamulang tentang “Pengenalan Pengelolaan Keuangan Sederhana dan Edukasi Pentingnya Menabung Sejak Dini” dilaksanakan pada hari Sabtu, 20 November 2021 di Yayasan Yatim Mandiri Reni Jaya dengan menggunakan metode Ceramah dibantu slide power point dan diskusi dengan peserta. Kegiatan pengabdian kepada masyarakat ini diharapkan anak dapat dan mulai mengerti tentang manfaat menabung, termotivasi untuk menabung dengan belajar mengkalkulasi uang jajan yang harus disisihkan serta menumbuhkan kesadaran menabung sejak dini,
Workplace Environment and Islamic Ethics as Foundations for Field Performance: Lingkungan Kerja dan Etika Islam sebagai Landasan Kinerja di Lapangan Azzahra, Amelia; Fasa, Muhammad Iqbal; Supriyaningsih, Okta
Indonesian Journal of Innovation Studies Vol. 26 No. 3 (2025): July
Publisher : Universitas Muhammadiyah Sidoarjo

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Abstract

General Background: In the digital era, employee performance is critical to the sustainability of organizations, particularly in sectors such as telecommunications. Specific Background: At PT Telkom Kedaton Branch, field employees face high-risk environments that demand optimal performance supported by conducive workplace conditions. Knowledge Gap: While previous studies have examined physical factors affecting performance, few have integrated ethical dimensions rooted in Islamic business principles. Aims: This study aims to investigate the influence of workplace environment, occupational safety, and health on employee performance through a holistic framework incorporating Islamic values. Results: Using multiple linear regression with 49 respondents, findings show that workplace environment has the strongest influence, followed by occupational safety and health, all of which significantly improve employee performance. Novelty: This research uniquely integrates Islamic business ethics—such as justice, trustworthiness, and social benefit—into occupational safety and health analysis, offering a spiritually grounded approach to human resource management. Implications: The study suggests that organizations, especially in high-risk sectors, should adopt ethical, holistic policies that integrate spiritual values to enhance employee well-being, satisfaction, and organizational resilience.Highlight : The workplace environment has the strongest influence on employee performance. Safety and health programs contribute positively, though to a lesser extent. Islamic business values enrich workplace practices and employee well-being. Keywords : Workplace Environment, Occupational Safety, Health, Employee Performance, Islamic Business Perspective
IMPLEMENTATION OF MUDHARABAH AGREEMENT IN TABAH PRODUCTS WITHIN THE FRAMEWORK OF ISLAMIC PRINCIPLES OF JUSTICE AND ECONOMIC PROFIT SHARING AT BMT NU PURWOHARJO BRANCH, BANYUWANGI Azzahra, Amelia; Ustanti, Mira
istinbath Vol. 24 No. 1 (2025): June
Publisher : Universitas Islam Negeri Mataram

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.20414/ijhi.v24i1.950

Abstract

This research aims to comprehensively analyze the implementation of the mudharabah contract in TABAH savings products at BMT NU Purwoharjo Branch, focusing on its conformity with Islamic economic principles. The novelty of this study lies in its contextual exploration of the Purwoharjo Branch, which has unique socio-economic characteristics, and in offering an operational assessment of mudharabah practices that have not been covered in previous research. The study also critically examines how operational standards reflect Islamic values such as justice, amanah (trust), and maslahah (public benefit). This research uses a descriptive qualitative method with a case study approach. Data were collected through in-depth interviews with BMT managers and customers, direct observations of daily operations, and analysis of documents such as SOPs, financial reports, and contract agreements. Data validation was ensured through source, method, and theoretical triangulation, and analysis was conducted using Miles and Huberman's interactive model involving data reduction, categorization, and conclusion drawing. The findings show that implementing the mudharabah contract at BMT NU Purwoharjo Branch aligns with key Islamic economic principles such as transparency, fairness in profit-sharing, and trust-based (amanah) fund management. The profit-sharing ratio is determined based on mutual agreement, reflecting Islamic law's principle of willingness (taradhi). However, a gap remains in customer understanding of mudharabah mechanisms, particularly regarding the concept of risk-sharing and the customer's role as shahibul mal, indicating the need for strengthened financial literacy. On the other hand, BMT's fund allocation supports halal and productive micro-business sectors, aligning with the principle of maslahah and contributing to local economic empowerment. Risk mitigation is addressed through stringent partner selection and continuous monitoring. This study provides practical insights into operationalizing Islamic contractual values in microfinance institutions and expands the growing literature on context-based mudharabah implementation.
Co-Authors Agustin, Inka Nadiah Galantika, Adinda Evan Geulista Mira Ustanti Muhammad Iqbal Fasa Neneng Hasanah Okta Supriyaningsih Suparman, Alviani