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All Journal Jurnal Ekonomi Syariah Teori dan Terapan Panrita Abdi - Jurnal Pengabdian pada Masyarakat Jurnal Pengabdian UntukMu NegeRI Jurnal Ilmiah Ekonomi Islam TA'DIBUNA: Jurnal Pendidikan Agama Islam Perisai : Islamic Banking and Finance Journal Jurnal Masharif al-Syariah: Jurnal Ekonomi dan Perbankan Syariah JURNAL EDUCATION AND DEVELOPMENT Adimas : Jurnal Pengabdian Kepada Masyarakat ISOQUANT : Jurnal Ekonomi, Manajemen dan Akuntansi Legitima: Jurnal Hukum Keluarga Islam Jurnal Pemberdayaan: Publikasi Hasil Pengabdian Kepada Masyarakat JASa (Jurnal Akuntansi, Audit dan Sistem Informasi Akuntansi) Abdimas Umtas : Jurnal Pengabdian kepada Masyarakat Jurnal Tabarru': Islamic Banking and Finance Ad-Deenar: Jurnal Ekonomi dan Bisnis Islam Syarikat : Jurnal Rumpun Ekonomi Syariah Jurnal ABDINUS : Jurnal Pengabdian Nusantara Jurnal Inovasi Ekonomi Al Huquq : Journal of Indonesian Islamic Economic Law Indonesian Journal of Cultural and Community Development Indonesian Journal of Law and Economics Review Soeropati: Journal of Community Service AL IQTISHOD: Jurnal Pemikiran dan Penelitian Ekonomi Islam Community Empowerment Indonesian Journal of Islamic Economics and Business Al-Muamalat : Jurnal Ekonomi Syariah Al-Ibanah Indonesian Journal of Innovation Studies Jihbiz: Jurnal Ekonomi, Keuangan dan Perbankan Syariah Istismar : Jurnal Kajian dan Penelitian Ekonomi dan Bisnis Islam Izdihar : Jurnal Ekonomi Syariah Wadiah : Jurnal Perbankan Syariah Procedia of Social Sciences and Humanities Perbanas Journal of Islamic Economics and Business Indonesian Journal of Islamic Studies Al-Maqashid: Journal of Economics and Islamic Business Jurnal Perbankan Syariah Darussalam (JPSDa) J-ABDIPAMAS (Jurnal Pengabdian Kepada Masyarakat) Al-Ibanah IJED Journal of Social Science and Humanities Research Jurnal Penelitian Ilmu Ekonomi dan Keuangan Syariah IIJSE Al Iqtishod: Jurnal Pemikiran dan Penelitian Ekonomi Islam El-Mal: Jurnal Kajian Ekonomi & Bisnis Islam Journal of Ekonomics, Finance, and Management Studies Legitima : Jurnal Hukum Keluarga Islam Legitima: Jurnal Hukum Keluarga Islam Academia Open
Fitri Nur Latifah
Universitas Muhammadiyah Sidoarjo
Religion Agriculture, Biological Sciences & Forestry Arts Humanities Civil Engineering, Building, Construction & Architecture Computer Science & IT Decision Sciences, Operations Research & Management Economics, Econometrics & Finance Education Engineering Environmental Science Industrial & Manufacturing Engineering Languange, Linguistic, Communication & Media Law, Crime, Criminology & Criminal Justice Library & Information Science Mathematics Medicine & Pharmacology Public Health Social Sciences Other

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PENINGKATAN LITERASI DIGITAL PEMBIAYAAN NON-BANK SYARIAH PADA UMKM DESA KENONGO Latifah, fitri Nur; Marzuqi Muammar, Farikh; Astuti, Ruli; Putri Alisya Setiawati, Noer
ADIMAS Jurnal Pengabdian Kepada Masyarakat Vol 9 No 2 (2025): September
Publisher : Universitas Muhammadiyah Ponorogo

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.24269/adi.v9i2.12028

Abstract

Usaha Mikro, Kecil, dan Menengah (UMKM) memegang peranan vital dalam perekonomian Indonesia. Namun, UMKM, khususnya sektor mikro dan kecil, kerap terkendala dalam mengakses pembiayaan dari lembaga keuangan tradisional. Pembiayaan syariah non-bank hadir sebagai solusi alternatif yang inklusif dan selaras dengan prinsip syariah. Kegiatan pengabdian masyarakat dari Direktorat Riset dan Pengabdian kepada Masyarakat (DRPM) Universitas Muhammadiyah Sidoarjo ini bertujuan untuk meningkatkan literasi digital UMKM di Desa Kenongo terkait pembiayaan non-bank syariah. Metode pelaksanaan kegiatan ini melibatkan tiga tahapan utama: (1) Sosialisasi intensif mengenai konsep dan jenis pembiayaan syariah non-bank; (2) Pelatihan praktis tentang penggunaan platform digital untuk mengakses pembiayaan syariah (seperti fintech syariah), serta pengelolaan keuangan usaha; dan (3) Pendampingan personal dalam proses pengajuan pembiayaan pada lembaga keuangan non-bank syariah (misalnya fintech syariah, koperasi syariah, dan BMT). Data dikumpulkan melalui kuesioner pre-test dan post-test untuk mengukur tingkat pemahaman dan keterampilan UMKM, serta wawancara mendalam untuk mengidentifikasi tantangan dan harapan mereka. Hasil kegiatan menunjukkan peningkatan signifikan dalam literasi digital dan pemahaman UMKM. Terdapat peningkatan rata-rata pemahaman sebesar 38,67% mengenai produk pembiayaan syariah non-.bankPeningkatan ini berkontribusi pada inklusi keuangan syariah dan keberlanjutan UMKM.  Kata kunci: UMKM, Literasi Digital, Pembiayaan Syariah, Non-Bank, Pengabdian Masyarakat
PENGARUH KUALITAS LAYANAN DAN KEPERCAYAAN NASABAH TERHADAP KEPUASAN NASABAH BANK BSI KCP AHMAD YANI Putra, Affandy Yuana; Nur Latifah, Fitri
Jurnal Tabarru': Islamic Banking and Finance Vol. 8 No. 1 (2025): Jurnal Tabarru' : Islamic Banking and Finance
Publisher : Department of Islamic Banking, Faculty of Islamic Studies, Islamic University of Riau (UIR)

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.25299/jtb.2025.vol8(1).22821

Abstract

Tujuan dari penelitian ini adalah untuk melihat bagaimana kualitas layanan dan kepercayaan nasabah berdampak pada kepuasan nasabah di Bank BSI KCP Ahmad Yani. Kualitas layanan dinilai berdasarkan faktor-faktor seperti kehandalan, daya tanggap, jaminan, empati, dan bukti fisik. Di sisi lain, kepercayaan nasabah didasarkan pada integritas, kemampuan, dan kejujuran bank. Metode kuantitatif yang digunakan dalam penelitian ini adalah survei. Data dikumpulkan melalui kuesioner yang dibagikan kepada seratus nasabah yang telah menggunakan layanan perbankan selama minimal satu tahun. Variabel independen dan dependen dievaluasi melalui analisis regresi linier berganda. Hasil penelitian menunjukkan bahwa kualitas layanan dan kepercayaan nasabah mempengaruhi kepuasan nasabah secara signifikan dan positif. Kualitas layanan, seperti keandalan dan jaminan, serta integritas dan kemampuan untuk menarik kepercayaan nasabah, adalah faktor yang paling penting. Hasilnya menunjukkan bahwa Bank BSI KCP Ahmad Yani harus terus meningkatkan layanan dan menumbuhkan kepercayaan nasabah untuk meningkatkan kepuasan nasabah.
PENGARUH KUALITAS PELAYANAN DAN KUALITAS PRODUK TABUNGAN MUDHARABAH TERHADAP TINGKAT KEPUASAN NASABAH BANK SYARIAH INDONESIA DI SIDOARJO Aditama, Aliefian Hokka; Nur Latifah, Fitri
Jurnal Tabarru': Islamic Banking and Finance Vol. 8 No. 1 (2025): Jurnal Tabarru' : Islamic Banking and Finance
Publisher : Department of Islamic Banking, Faculty of Islamic Studies, Islamic University of Riau (UIR)

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.25299/jtb.2025.vol8(1).23567

Abstract

Pendirian lebih banyak bank syariah telah menyebabkan persaingan yang semakin ketat di antara mereka. Permasalahanya pengaruh kualitas pelayanan dan kualitas produk tabungan mudharabah yang menjadi pertimbangan kepuasan nasabah. Penelitian ini bertujuan untuk mengetahui hubungan dan pengaruh kualitas pelayanan dan kualitas produk tabungan mudharabah terhadap tingkat kepuasan nasabah Bank Syariah Indonesia di Sidoarjo. Dalam penelitian ini jenis penelitihan yang diggunakan adalah metode kuantittif. Populasi yang digunakan dalam penelitihan ini adalah nasabah Bank Syariah Indonesia di Sidoarjo yang menabung menggunakan tabungan mudharabah sebanyak 1000 orang sesuai wawancara dari pihak yang bersangkutn. Untuk sampel yang digunakan dalam penelitihan ini sebanyak 100 orang. Hasil penelitihan ini membuktikan bahwa variabel Kualitas Pelayanan berpengaruh langsung dan signifigkan terhadap Tingkat kepuasan Nasabah secara parsial dengan besar pengaruh sebesar 45,3%, Variabel Kualitas Produk Tabungan Mudharabah berpengaruh langsung dan signifikan terhadap Tingkat Kepuasan Nasabah secara parsial dengan besar pengaruh sebesar 64,6%. Dan hasil analisis uji koefisien determinasi menerangkan kemampuan Variabel Kualitas Pelayanan perbankan Syariah dan Produk Tabungan Mudharabah dalam menjelaskan variabel tingkat kepuasan nasabah adalah 80,8% dan sisanya yaitu 19,2% yang dijabarkan dengan variabel selain variabel tersebut yang tidak menjadi tema dalam riset ini.
Analysis of MSME Capital Using Sharia Fintech Peer to Peer Lending: Analisa Permodalan UMKM Menggunakan Fintech Peer to Peer Lending Syariah Latifah, Fitri Nur; Adriani , Ninda; Ariyanti, Novia; Batubara, Sultan Saladin
Perisai : Islamic Banking and Finance Journal Vol. 7 No. 2 (2023): October
Publisher : Universitas Muhammadiyah Sidoarjo

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.21070/perisai.v7i2.1696

Abstract

As one of the pillars of the economy in Indonesia, it is proven that MSMEs are able to survive the Covid-19 pandemic with various innovations they have implemented, but there are still several obstacles in the development of MSMEs themselves. MSMEs, especially for the micro business scale in Indonesia, are still classified into segments that have limited access to formal financial institutions (unbankable population). The results of the PWC survey in 2019 The biggest problem of MSMEs is the problem of capital, and in an effort to obtain additional capital, around 74% of the micro segment cannot access financing from the formal financial sector. Increasing access to finance itself is one of the strategies to achieve Sustainable Development Goals (SDGs). Based on previous research, Islamic fintech has a role in driving SDGs targets, especially the targets to (1) eradicate poverty and (2) hunger, and (3) reduce inequality in wealth distribution. In this study we conducted indepth interviews with several MSME players and Islamic fintech companies. The lack of literacy related to fintech with the sharia peer to peer lending scheme makes MSMEs afraid to do business financing with this scheme, even though this scheme is very suitable for the unbankable population because the financing requirements are easy and fast in the disbursement process.
Pilgrimage Tourism to Wali Tombs and Halal Destination Management Based on Sharia Values: Wisata Ziarah Wali dan Pengelolaan Destinasi Halal Berbasis Religius Kusumaningtyas, Menur; Ulfah, Indar Fauziah; Latifah, Fitri Nur; Putranto, Johni Harius
Perisai : Islamic Banking and Finance Journal Vol. 8 No. 2 (2024): October
Publisher : Universitas Muhammadiyah Sidoarjo

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.21070/perisai.v8i2.1747

Abstract

This study explores the relationship between pilgrimage tourism to Wali tombs and halal tourism, focusing on the integration of Sharia values in the management of religious destinations. In the context of East Java, this research examines the application of Sharia principles by site managers to maintain the sanctity and integrity of the sites, as well as its impact on the experience of Muslim tourists. The study uses a qualitative approach with a case study method. Data were collected through in-depth interviews with site managers, tourists, and local communities, along with direct field observations. The findings show that the application of Sharia management in site operations not only enhances tourist satisfaction but also strengthens the local economy and cultural preservation. However, the study also found a lack of understanding of Sharia values among some site managers. This research provides recommendations for site managers to create tourist destinations aligned with Sharia principles, supporting the growth of halal tourism in Indonesia. It is hoped that the results of this study can serve as a reference for developing policies on sustainable and responsible religious tourism.This study has several limitations, including the geographical scope limited to East Java and restricted access to all pilgrimage site managers. Therefore, the findings cannot be generalized to all religious tourism destinations in Indonesia. Further research covering a broader area is recommended to enrich the findings.
Systematic Literatur Review of Productive Waqf in Indonesia and Their Contribution to SDGs: Tinjauan Sistematis Model Wakaf Produktif di Indonesia dan Kontribusinya terhadap SDGs Sa’adah, Tsuroyya Putri; Ritonga, Iskandar; Latifah, Fitri Nur; Mugiyati, Mugiyati
Perisai : Islamic Banking and Finance Journal Vol. 9 No. 1 (2025): April
Publisher : Universitas Muhammadiyah Sidoarjo

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.21070/perisai.v9i1.1802

Abstract

The developing waqf management models is still focused on traditional sectors such as agriculture, plantations, and using waqf assets in building and land. This research aims to summarize models of productive waqf management in Indonesia. the method employed in this study is the Systematic Literature Review (SLR). The research questions were formulated using the PICOC criteria, which included population, intervention, comparison, outcomes, and context. As a result, several studies were identified that describe successful models of productive waqf management, which can serve as literacy resources for each nadzir’s waqf institution throughout Indonesia.
Permainan Edukatif untuk Meningkatkan Motivasi Belajar Matematika di Kampung Matematika Ariyanti, Novia; Lutvi Azizah, Nuril; Nur Latifah, Fitri
Jurnal Pengabdian UntukMu NegeRI Vol. 7 No. 2 (2023): Pengabdian Untuk Mu negeRI
Publisher : LPPM UMRI

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.37859/jpumri.v7i2.5117

Abstract

Kegiatan pengabdian masyarakat ini bertujuan untuk meningkatkan motivasi belajar anak anak terutama pada ilmu matematika dengan menggunakan beragam permainan edukatif di kampung matematika. Lokasi kegiatan pengabdian masyarakat ini bertempat di Dukuh Pakis RT 05 RW 01 Surabaya. Metode yang digunakan dalam kegiatan ini adalah tahap awal yaitu observasi, tahap kedua yaitu persiapan lingkungan dan alat permainan, serta tahap yang terakhir adalah pelaksanaan. Respon dari warga Dukuh Pakis terhadap kampung matematika adalah senang karena lingkungan mereka menjadi lingkungan yang ramah anak dan ramah pendidikan. Kata Kunci: matematika, kampung matematika, motivasi belajar
ANALISIS SISTEM BAGI HASIL AKAD MUDHARABAH DALAM PERSPEKTIF EKONOMI ISLAM PADA BANK SYARIAH aini, Ivanka Mira Nur; Mariyana Dewi, Fitri; Nur Latifah, Fitri
Izdihar: Jurnal Ekonomi Syariah Vol. 3 No. 02 (2023): Oktober
Publisher : Universitas KH. A. Wahab Hasbullah

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.32764/izdihar.v3i02.2241

Abstract

Abstract: In an effort to spread Islamic teachings in the millennial era with the existing pattern of development in the economic field based on Islamic sharia and in its development applying a profit sharing system (mudharabah) between the two parties. Although basically humans are given the freedom to conduct transactions (mu’amalah) but in its development it must be on the basis of Islamic law with a fiqh perspective and this is also highly expected so that the mudharabah contract can also be used and can also be used and can also be developed in Islamic Banking. The main capital in this concept is not only money but trust and a high social spirit. Keywords: Profit sharing, mudharabah contract, islamic economics, islamic bank
Analisis Tingkat Efisiensi dan Produktivitas Perbankan di Indonesia Ketika dan Setelah Pandemi Covid 19 Ninda Ardiani; Nur Latifah, Fitri; Oktaviyanti, Ika; Aura Salsabil, Jasmine
Indonesian Journal of Islamic Economics and Business Vol. 9 No. 2 (2024): Indonesian Journal of Islamic Economics and Business
Publisher : Fakultas Ekonomi dan Bisnis Islam UIN STS Jambi

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.30631/ijoieb.v9i2.2845

Abstract

This study attempts to ascertain the productivity and efficiency levels of eight Islamic banks and eight conventional banks in Indonesia during and after the COVID-19 pandemic. Using Data Envelopment Analysis (DEA) and Malmquist's Productivity Index (MPI), this study's input factors include labor expenses, assets, financing and revenue, and Third Party Funds (DPK). The findings indicate that the highest degree of efficiency has been effectively maintained by Bank Mandiri, BTN, BTPN, KB Bank Syariah, and BVS. Following the Covid-19 epidemic, BNI was the only bank to see an derivation in performance. Potential improvements in labor cost and revenue management were identified in a number of institutions by the Total Potential Improvement analysis .However, the MPI investigation demonstrates that banks such as BTPN and MEGA have seen notable boosts in productivity due to their successful adoption of digital technology. All things considered, this study demonstrates how the COVID-19 pandemic has affected Indonesian banks' performance. While some banks have maintained or even increased productivity, banks still face substantial hurdles in terms of profitability and efficiency. These findings suggest that in order to meet upcoming difficulties, operational efficiency gains and technology breakthroughs are essential.
SWOT Analysis With Importance Performance Analysis (IPA) Model on QRIS Technology Service for MSMEs Pratama, Wahyu; Latifah, Fitri Nur
JASa (Jurnal Akuntansi, Audit dan Sistem Informasi Akuntansi) Vol 8 No 2 (2024): August
Publisher : Program Studi Akuntansi Universitas Langlangbuana Bandung

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.36555/jasa.v8i2.2477

Abstract

This study applies Importance-Performance Analysis (IPA) and (Strengths, Weaknesses, Opportunities, and Threats) SWOT analysis to evaluate Quick Response Code for Payment (QRIS) technology services in Micro, Small, and Medium Enterprises (MSMEs). IPA results show variables in Quadrant I (top priority for improvement), Quadrant II (maintain quality), Quadrant III (low priority), and Quadrant IV (may be excessive). In this context, data security risks and QRIS controllability were identified as top priorities. SWOT analysis, based on IPA results, reveals MSME strengths in security risk control and QRIS controllability, as well as weaknesses in variables that are considered low-priority or possibly excessive. Opportunities lie in potential improvements to data security and QRIS controllability, while threats may arise from variables that are considered low priority or may be overrated. Recommendations involve focusing on developing data security, maintaining good service quality, and efficient resource allocation according to the needs of MSMEs.
Co-Authors Abdillah Rosyadi Adhelia Sucitra Adhelia Sucitra Aditama, Aliefian Hokka Adriani , Ninda aini, Ivanka Mira Nur ajeng diah ayu febriana Ajeng Diah Ayu Febrina Ajeng Diah Ayu Febrina Akbar Wiguna Alfina, Irma Agustin Dwi Ali Akbar Amala Alvina R Amala Alvina Rachma Amelia Eka Dimawan Ananda Ilmi Wahidyah Anggraini, Yulia Ratna Anis Farihah Anjar Ramadhani Anwar, Najih Ariyanti , Novia Aura Salsabil, Jasmine Badruzzaman Badruzzaman, Azzam Batubara, Sultan Saladin Bayu Hari Prasojo Bayu Wardhana Bayu Wardhana Cahyaning, Cindy Chusma, Nafisah Maulidia Chusma Cindy Cintania A Cindy Cintania A Cindy Cintania Amerta Cindy Nurul Aulia Putri Clarisa Eka Rismadayanti Clarisa Eka Rismadayanti Dewi Novianti Diana Lestari Diana Lestari Diana Lestari, Diana Dinda Ayu Agustina Dini Sentya Ningrum Dwi Hanifatul Ma’unah Dwi maulidiyah Eka Vebryl Maretha Eni Fariyatul Fahyuni Erdita Aulia Rosyidah Eric Kurniawan Faha, Yunita Maulidiyah Fanani, Yopi Agusta Fathiya Kada-Sae Fauji , Imam Fidri Fadillah Puspita Fidzri Nur Febriani Findiani, Firnanda Fitri Mariyana Dewi Halimatus Sa’diyah Hannah, Azifatul Ida Rindaningsih, Ida Ika Oktaviyanti, Ika Imam Fauji, Imam Imron Mawardi Indah Nur Anisa Indah Sulistiyowati Iskandar Ritonga Isnawati, Retty Ivanka Mira Nur aini Izza Syafira Krisnaningsih, Diah Kusumaningtyas, Menur Lailatul Mukaromah Lailatul Mukarromah Lidya Indah Lestari Lukita Nova Azzara M Ruslianoor Maika M. Ruslianoor Maika M. Ruslianor Maika Mafula, Faricha Maika, M. Roslianor Maika, M. Ruslianoor Mariyana Dewi, Fitri Marzuqi Muammar, Farikh Masruchin Masruchin Masruchin Masruchin Masruchin Masruchin Masruchin Masrurin, Ulfiyah Masruroh Masruroh Mega Novita Syafitri Mega Novita Syafitri Mega Novita Syafitri Miya Dewi Suprihandari Mugiyati Muhammad Amirul Mukminin Muhammad Amirul Mukminin Muhammad Faisal Ridho Muhammad Syauqi Mukminin, Muhammad Amirul Nabila Veren Estefany Nabila Veren Estefany Nafisah Maulidia Chusma Nafisah Maulidia Chusma Nafisah Maulidia Chusma Chusma Nafisah Maulidiah Chusna Najih Anwar Neva Madinatul A Nimas Putri Anggraini Ninda Ardiani Ninda Ardiani Noer Putri Alisya Setiawati Nova Azzara, Lukita Novia Ariyanti Novieati Dwi Lestar Novieati Dwi Lestari Novieati Dwi Lestari Nur Iza Faizah Nur Iza Faizah Nur Manna Silviyah Nur Manna Silviyah Nuril Lutvi Azizah Nuris Tishwanah Nuris Tishwanah Nuris Tishwanah Nuris Tiswanah Nurul Fadilah, Nurul Puspita, Fidri Fadillah Putra, Affandy Yuana Putranto, Johni Harius Putri Alisya Setiawati, Noer Qanitah An Nabila A'yun Qanitah An Nabila A'yun Qanitah An Nabila A’yun Rahadi Kristiyanto, Rahadi Rania Salsabila Rasyid Abi Sandi Rasyid Abi Sandi Reisa Nadika Markavia Reisa Nadika Markavia Renaldy Trisna E Reni Seri Lestari Retty Isnawati Reyhan Septya Alamsyah Reyhan Septya Alamsyah Rita Ambarwati Rosi Ariana Putri Ruli Astuti Rusdi Hamka Lubis Salsabila, Rania Sayyidatunisa Sayyidatunisa Sayyidatunisa Sa’adah, Tsuroyya Putri Sa’diyah, Halimatus Shella Titania Nurdin Shella Titania Nurdin Sri Mukhodim Faridah Hanum Sudarso, Satrio Sumadyo, Sasmito Bagus Suwito, Jasmine Aura Salsabilla Syafira, Izza Syafitri , Mega Novita Syafitri, Mega Novita Tsurroya Putri Sa’adah Tsurroya Putri Sa’adah Tuttoyyibah, Nihayah Uce Indahyanti Ulfah, Indar Fauziah Ulfatul Khoiriyah Ulfiyah Masrurin Wahyu Pratama Wahyu Pratama Wardhana, Bayu Wulanda Fuan Ertiyant Yudinta Ardelia Deviantari Yunita Maulidiyah Faha