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All Journal JIET (Jurnal Ilmu Ekonomi Terapan) Jurnal Ekonomi dan Bisnis Islam Falah : Jurnal Ekonomi Syariah Muamalah Jurnal Ilmiah Ekonomi Islam AKRUAL: Jurnal Akuntansi Al-Daulah : Jurnal Hukum dan Perundangan Islam al-Uqud : Journal of Islamic Economics EQUILIBRIUM: Jurnal Ilmiah Ekonomi dan Pembelajarannya JPP IPTEK (Jurnal Pengabdian dan Penerapan IPTEK) Shirkah: Journal of Economics and Business Syarikat : Jurnal Rumpun Ekonomi Syariah Iqtishoduna: Jurnal Ekonomi Islam J-Dinamika: Jurnal Pengabdian Kepada Masyarakat IMANENSI: Jurnal Ekonomi, Manajemen dan Akuntansi Islam Profit : Jurnal Kajian Ekonomi dan Perbankan Syariah Jurnal Abdi Masyarakat (JAM) Journal of Economics, Business, and Government Challenges Al-Kharaj: Jurnal Ekonomi, Keuangan & Bisnis Syariah Iqtishaduna : Jurnal Ilmiah Mahasiswa Hukum Ekonomi Syariah PROFICIO: Jurnal Pengabdian Masyarakat Humantech : Jurnal Ilmiah Multidisiplin Indonesia Sibatik Journal : Jurnal Ilmiah Bidang Sosial, Ekonomi, Budaya, Teknologi, Dan Pendidikan Al-Muamalat : Jurnal Ekonomi Syariah Abimanyu: Journal of Community Engagement Educenter: Jurnal Ilmiah Pendidikan Jurnal Ekonomika dan Bisnis Islam Nautical: Jurnal Ilmiah Multidisiplin Indonesia Jurnal Ekonomi Syariah dan Bisnis SIGEH ELT : Journal of Literature and Linguistics Formosa Journal of Applied Sciences (FJAS) Jurnal Pengabdian Masyarakat: BAKTI KITA Sureq: Jurnal Pengabdian Masyarakat Berbasis Seni dan Desain Inspirasi: Jurnal Pengabdian dan Pemberdayaan Masyarakat Al-Iqtishadiah: Jurnal Hukum Ekonomi Syariah Excellence Al-Hiwalah : Journal Syariah Economic Law Journal of Economics Neraca Manajemen, Akuntansi, dan Ekonomi Al-Kharaj: Jurnal Ekonomi, Keuangan & Bisnis Syariah El-Mal: Jurnal Kajian Ekonomi & Bisnis Islam EDUCENTER JURNAL PENDIDIKAN Jurnal Hasil-Hasil Pengabdian dan Pemberdayaan Masyarakat (JHP2M) Journal of Ekonomics, Finance, and Management Studies JIES : Journal of Islamic Economics Studies Welfare: Jurnal Pengabdian Masyarakat Edumaspul: Jurnal Pendidikan ZISWAF: Jurnal Zakat dan Wakaf
Ach. Yasin
Universitas Negeri Surabaya
Religion Agriculture, Biological Sciences & Forestry Arts Humanities Civil Engineering, Building, Construction & Architecture Computer Science & IT Control & Systems Engineering Decision Sciences, Operations Research & Management Economics, Econometrics & Finance Education Engineering Environmental Science Health Professions Industrial & Manufacturing Engineering Languange, Linguistic, Communication & Media Law, Crime, Criminology & Criminal Justice Library & Information Science Public Health Social Sciences Other

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HOW RELIGIOSITY, KNOWLEDGE, AND CHARACTERISTICS OF MUZAKKI AFFECT ZAKAT COMPLIANCE Yasin, Ach; Indrarini, Rachma; Suryaningsih, Sri Abidah
Jurnal Ekonomi dan Bisnis Islam (Journal of Islamic Economics and Business) Vol. 8 No. 1 (2022): JANUARY-JUNE 2022
Publisher : Universitas Airlangga

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.20473/jebis.v8i1.31147

Abstract

Several things affect the achievement of targets, such as internal and external factors of the zakat management organization. The level of compliance with paying zakat is one of the external factors that can affect the receipt of zakat. So, this research will examine indicators that affect the level of compliance to pay zakat in Indonesia, using religiosity, knowledge, and characteristics of muzakki. The approach in this research is a quantitative approach with probit regression. This research collects 200 respondents as samples from Muslim-majority areas, such as East Java, Yogyakarta, Central Java, and South Sulawesi. It is hoped that this research will find indicators that can influence the level of muzakki compliance in paying zakat. The probit regression results, of all the variables used, there are two significant variables, namely religiosity and knowledge. Meanwhile, demographic variables such as age, income, education, marital status, and gender are insignificant because some people who pay zakat are not based on whether they have reached nishab. They always set aside 2.5% of their income for zakat after payday. The statement reinforces other evidence that people who pay zakat in Indonesia are more driven by factors of faith and trust. Theoretically, this study offers a new research model to explain muzakki compliance in paying zakat. Empirically, this research contributes to zakat managers' focus programs on increasing religiosity and knowledge of muzakki.
PEMBERDAYAAN ANGGOTA PKK MELALUI PELATIHAN KETERAMPILAN MERANGKAI BUNGA DAN PEMASARAN DIGITAL DI DESA COROWALI, KABUPATEN BARRU Muhaemin, Muhammad; Fadhillah S, Nurul; Yasin, Achmad; Arifin, Irfan; Ramadhina, R. Mekar Liza
Sureq: Jurnal Pengabdian Masyarakat Berbasis Seni dan Desain Vol 4, No 2 (2025): Juli-Desember
Publisher : Universitas Negeri Makassar

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.26858/srq.v4i2.78728

Abstract

Kegiatan pengabdian kepada masyarakat (PKM) ini dilaksanakan di Desa Corawali, Kabupaten Barru, dengan mitra anggota PKK. Permasalahan utama yang dihadapi mitra adalah minimnya keterampilan produktif untuk mengisi waktu luang dan keterbatasan akses terhadap pelatihan, sehingga potensi ekonomi kreatif lokal belum tergarap. Tujuan dari kegiatan ini adalah untuk meningkatkan keterampilan teknis anggota PKK dalam merangkai bunga serta memberikan pelatihan pemanfaatan teknologi digital sebagai sarana promosi dan pemasaran. Metode pelaksanaan program meliputi empat tahap: (1) Sosialisasi dan identifikasi peserta; (2) Pelatihan keterampilan (workshop) teori dan praktik merangkai bunga sintetis dan benang tebal; (3) Pelatihan pemanfaatan teknologi digital untuk fotografi produk dan pengelolaan media sosial; serta (4) Pendampingan dan evaluasi. Hasil kegiatan menunjukkan peningkatan keterampilan yang signifikan pada 20 peserta, yang dibuktikan dengan dihasilkannya 20 produk rangkaian bunga yang siap pasar. Selain itu, telah terbentuk satu platform media sosial (Instagram) sebagai galeri digital dan sarana promosi. Program ini berhasil menginisiasi terbentuknya rintisan kelompok usaha kreatif baru di Desa Corawali yang berpotensi meningkatkan kemandirian ekonomi keluarga.
The Role of the Nurul Hayat Gresik Amil Zakat Institute (Laz) in Empowering Rural Communities During the Covid-19 Pandemic Muhammad Hamzah Rabani; Ach. Yasin
Edumaspul: Jurnal Pendidikan Vol 7 No 1 (2023): Edumaspul: Jurnal Pendidikan
Publisher : Universitas Muhammadiyah Enrekang

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.33487/edumaspul.v7i1.5652

Abstract

The spread of the pandemic-19 has resulted in the increasing of poor residents in Gresik Regency and East Java Province, up to 2021 (gresikkab.bps.go.id and jatim.bps.go.id). seeing the magnitude impact of the Covid-19 in all aspect, efforts are needed concrete solutions that can solve these problems in the form of empowerment village community (Aprilianto, et al, 2021). This problem requires support from institutions referred to Lembaga Amil Zakat (LAZ) Nurul Hayat (Rohmah, 2021). This institution is an that collect Zakat, Infaq, and Shadaqah (SIZ) funds f rom the community (muzakki) and redistributed to the community (mustahiq) according to islamic law. The purpose of this research is to find out of the role of Lembaga Amil Zakat Nurul Hayat Gresik institution in empowering village communities during the pandemic covid-19. This research is a descriptive qualitative techniques of taking the subject using purposive sampling. Data collection techniques from interviews, observations, and documentations. The results of this study indicate that the existance of LAZ Nurul Hayat Gresik empowerment program has made the community more advanced and developed in their socio-economic field, the village community feels that they have gained more scientific insight related to entrepreneurship practices. The empowerment program from LAZ Nurul Hayat: namely Ternak Desa Sejahtera (TDS) program, and Micro, Small, Medium Enterprises (MSMEs) program.
PENGARUH PEMBIAYAAN PLS DAN NON-PLS TERHADAP KINERJA BANK SYARIAH DI INDONESIA Mubarok, Alrojak; Yasin, Ach.
Jurnal Ekonomika dan Bisnis Islam Vol 8 No 1 (2025): April
Publisher : Universitas Negeri Surabaya

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.26740/jekobi.v8n1.p195-212

Abstract

This study aims to analyze the effect of Profit and Loss Sharing (PLS) and Non-PLS-based financing on the performance of Islamic banks in Indonesia. The background of this study is based on the dominance of Non-PLS contracts, especially murabahah, in Islamic bank financing portfolios, although PLS contracts are considered more ideal in accordance with sharia principles. The study uses a quantitative approach with a multiple linear regression method. Secondary data were obtained from the monthly financial reports of Islamic banks for the period 2019–2024 published by the Financial Services Authority (OJK). The results show that PLS financing has no significant effect on Islamic bank performance, while Non-PLS financing is proven to have a positive and significant effect on bank profits. Simultaneously, both types of financing have a significant effect on Islamic bank performance with a coefficient of determination of 0.916, meaning that 91.6% of the variation in bank performance can be explained by PLS and Non-PLS financing. This finding indicates that although PLS is in accordance with the principles of sharia justice, the dominant contribution to Islamic bank profitability still comes from Non-PLS financing.
ZAKAT PAYMENT INCLUSION IN INDONESIA: A DESCRIPTIVE ANALYSIS OF ZAKAT MAAL COLLECTION, 2006–2015 Canggih, Clarashinta; Fikriyah, Khusnul; Yasin, Ach.
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 (727.697 KB) | DOI: 10.20473/jebis.v3i1.3164

Abstract

This paper aims to find out the amount of zakat fund collection, particularly zakat maal in Indonesia. Numbers of zakat fund collected is used to see zakat inclusion from the perspective of zakat payment of Indonesian. This paper uses descriptive quantitative through secondary data collection from several sources. The result shows that the realization of zakat fund collection in Indonesia increases during 2006-2015, so does the number of people who pay zakat. However, it can be seen that the zakat payment inclusion of Indonesian people is still low. The number of people who paid zakat is lower compare to the number of people who are obligated. It need further research to divulge the reason.
Faktor-Faktor yang Mempengaruhi Minat Masyarakat Mengaplikasikan Produk Perbankan Syariah di Jawa Timur Firdaus, Andrian Dwi Rahmad; Fachrizal, Devano Hayunda; Priambodo, Angelo Zauqi Rafl; Muhammad, Abiyyah; Nurhasanah, Intan; Yasin, Ach.
El-Mal: Jurnal Kajian Ekonomi & Bisnis Islam Vol. 7 No. 3 (2026): 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.v7i3.11669

Abstract

The growth of the Islamic banking business in Indonesia has exhibited a substantial rise in accordance with the expanding public understanding of Islamic financial concepts. However, public enthusiasm in adopting Islamic banking products remains variable, notably in East Java Province, which is characterized by strong religion and local culture. The purpose of this research is to examine how the Unified Theory of Acceptance and Use of Technology 2 (UTAUT2) factors, local culture, religion, Islamic financial literacy, government support, perceived risk, and social environment affect the public's interest in utilizing Islamic banking products. This research also employs the Theory of Planned Behaviour (TPB) as a theoretical framework to explain the link between attitudes, subjective norms, perceived behavioral control, and usage intention. This study uses a survey technique and a quantitative methodology. Data were acquired via questionnaires delivered to persons in East Java Province who are acquainted with Islamic banking services. The sample approach employed was purposive sampling. Data analysis was undertaken using Structural Equation Modeling (SEM) based on Partial Least Squares (PLS) with the support of SmartPLS software. The findings show that public interest in using Islamic banking products is positively and significantly impacted by religion, Islamic financial literacy, the social environment, and a number of UTAUT2 characteristics. Meanwhile, perceived danger has a detrimental influence on use intention. These results underscore the significance of strengthening Islamic financial literacy and adopting instructional initiatives that include social, cultural, and technical variables to stimulate public interest in Islamic banking. This research is designed to give both theoretical and practical contributions to the development of marketing strategies and policy formation for Islamic banking in Indonesia.
PENINGKATAN LITERASI KEUANGAN SYARIAH DIGITAL IBU RUMAH TANGGA KECAMATAN WIYUNG SURABAYA Indrarini, Rachma; A'rasy Fahrullah; Ach. Yasin; Irfan Ramis; Ramdani
Jurnal Pengabdian Masyarakat FKIP UTP Vol 7 No 2 (2026): PROFICIO : Jurnal Abdimas FKIP UTP
Publisher : PROFICIO

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.36728/.v7i2.6443

Abstract

Program pengabdian kepada masyarakat ini bertujuan untuk meningkatkan literasi keuangan syariah digital pada ibu rumah tangga di Kecamatan Wiyung, Surabaya. Di era digital, kemampuan memahami dan memanfaatkan layanan keuangan berbasis teknologi yang sesuai dengan prinsip syariah menjadi hal yang penting dalam pengelolaan keuangan keluarga. Namun, masih banyak ibu rumah tangga yang memiliki keterbatasan dalam memahami layanan keuangan digital serta konsep keuangan syariah seperti riba, gharar, dan maisir. Program ini menggunakan pendekatan terstruktur yang meliputi analisis kebutuhan, penyusunan materi, pelaksanaan kegiatan sosialisasi, serta evaluasi melalui pre-test dan post-test. Kegiatan dilaksanakan secara offline dengan melibatkan 40 peserta, yang terdiri dari ibu rumah tangga di Kecamatan Wiyung. Materi yang disampaikan mencakup prinsip dasar keuangan syariah serta penggunaan aplikasi keuangan digital berbasis syariah. Hasil kegiatan menunjukkan adanya peningkatan pemahaman peserta sebesar 52% antara nilai pre-test dan post-test. Hal ini menunjukkan bahwa pelatihan yang diberikan efektif dalam meningkatkan literasi keuangan digital dan pemahaman prinsip syariah. Selain itu, peserta menunjukkan antusiasme dan tingkat kepuasan yang tinggi terhadap kegiatan yang dilaksanakan. Dengan demikian, program ini berhasil meningkatkan literasi keuangan dan kemampuan digital ibu rumah tangga, serta berkontribusi pada pengelolaan keuangan keluarga yang lebih baik dan penguatan inklusi keuangan syariah di masyarakat.
Provisions of Public Housing Savings Policy Based on Public Welfare According to Sharia Economic Law Saifuddin, Muhammad Azhar; Yasin, Achmad
Al-Hiwalah: Journal of Sharia Economic Law Vol. 3 No. 2 (2024): Al-Hiwalah : Journal Syariah Economic Law
Publisher : Department of Islamic Economic Law, Faculty of Sharia, Sultanah Nahrasiyah State Islamic University, Lhokseumawe

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.47766/al-hiwalah.v3i2.4167

Abstract

Abstract: This study was conducted to measure the extent of the implementation of the People's Housing Savings (Tapera) policy by referring to Law No. 4 of 2016 and PP Tapera No. 25 of 2020 which will be combined using the principles of Sharia Economic Law. This program is an alternative solution to provide access to ownership of livable housing; with affordable housing prices for low and middle income groups. This study focuses on the suitability of the Tapera Program with the principles of Sharia Economic Law in terms of welfare. The research method used is an empirical-qualitative method with a case approach with a study of literature available from various financing platforms. The results show that Tapera is a solution to improve people's welfare by providing fulfillment of basic community needs, and easy financing using sharia principles. This study provides recommendations on adjusting the contract to support an effective program of the Tapera policy from the aspect of reporting and supervision that is more structured, transparent and accountable in order to fulfill public trust.
Application of Ujrah Discounts on Pawn Products at BSI Kc Bojonegoro According To Sharia Economic Law Al Baqiyyatus Sholihah, Milda; Yasin, Achmad
Al-Hiwalah: Journal of Sharia Economic Law Vol. 4 No. 1 (2025): Al-Hiwalah : Journal Syariah Economic Law
Publisher : Department of Islamic Economic Law, Faculty of Sharia, Sultanah Nahrasiyah State Islamic University, Lhokseumawe

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.47766/al-hiwalah.v4i1.4971

Abstract

This research focuses on the application of ujrah discounts in pawn products implemented by Bank Syariah Indonesia (BSI) Bojonegoro Branch Office and analyzes its conformity with the principles of Sharia Economic Law. Sharia pawning, as one of the superior products of sharia banking, involves a contract between the bank and the customer where the customer hands over goods as collateral for the loan provided by the bank. In this agreement, the bank charges an ujrah fee in exchange for storage and maintenance services for collateral. However, with increasingly tight competition between sharia financial institutions, BSI KC Bojonegoro developed a marketing strategy in the form of providing discounts on ujrah fees applied. The research method used is qualitative-descriptive with data collection techniques through interviews, observation and documentation. The research results show that providing ujrah discounts at BSI KC Bojonegoro is carried out as a marketing strategy to attract customers and increase competitiveness. From the perspective of Sharia Economic Law, the application of this discount is considered in accordance with sharia principles as long as it does not violate the terms of the contract and transparency is maintained.
Faktor-Faktor yang Mempengaruhi Minat Masyarakat Mengaplikasikan Produk Perbankan Syariah di Jawa Timur Andrian Dwi Rahmad Firdaus; Devano Hayunda Fachrizal; Angelo Zauqi Rafl Priambodo; Abiyyah Muhammad; Intan Nurhasanah; Ach. Yasin
El-Mal: Jurnal Kajian Ekonomi & Bisnis Islam Vol. 7 No. 3 (2026): 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.v7i3.11669

Abstract

The growth of the Islamic banking business in Indonesia has exhibited a substantial rise in accordance with the expanding public understanding of Islamic financial concepts. However, public enthusiasm in adopting Islamic banking products remains variable, notably in East Java Province, which is characterized by strong religion and local culture. The purpose of this research is to examine how the Unified Theory of Acceptance and Use of Technology 2 (UTAUT2) factors, local culture, religion, Islamic financial literacy, government support, perceived risk, and social environment affect the public's interest in utilizing Islamic banking products. This research also employs the Theory of Planned Behaviour (TPB) as a theoretical framework to explain the link between attitudes, subjective norms, perceived behavioral control, and usage intention. This study uses a survey technique and a quantitative methodology. Data were acquired via questionnaires delivered to persons in East Java Province who are acquainted with Islamic banking services. The sample approach employed was purposive sampling. Data analysis was undertaken using Structural Equation Modeling (SEM) based on Partial Least Squares (PLS) with the support of SmartPLS software. The findings show that public interest in using Islamic banking products is positively and significantly impacted by religion, Islamic financial literacy, the social environment, and a number of UTAUT2 characteristics. Meanwhile, perceived danger has a detrimental influence on use intention. These results underscore the significance of strengthening Islamic financial literacy and adopting instructional initiatives that include social, cultural, and technical variables to stimulate public interest in Islamic banking. This research is designed to give both theoretical and practical contributions to the development of marketing strategies and policy formation for Islamic banking in Indonesia.
Co-Authors A'rasy Fahrullah Abiyyah Muhammad ADAM DAMANHURI Ahmad Ajib Ridlwan Al Baqiyyatus Sholihah, Milda Alvino Rezandy Alvino Rezandy Amanto, Sudrajat Ananda, Amtricia Andi Zamroni Azhar Andrian Dwi Andrian Dwi Rahmad Firdaus Angelo Zauqi Rafl Priambodo Anwar Adem Shikur Arifin, Irfan Athi` Hidayati Aulia Siska Puspita Dewi A’rasy Fahrullah Berlian Febrianti Billah, Arifah Bimantoro, Surya Ageng Chiquita Kumala Putri Subagjo Clarashinta Canggih Daffa Fadhillah Burhanudin Dardiri, Masyudan Desnita Dwireni Devano Hayunda Fachrizal Dhini, Ulfa Rahma Diansyah, Ahmad Zubadar Oktorifal Dwiarni, Aldavia Hesti Dzakiy Askhiya Erika Dewi Ari Mita Estiningtyas, Indri Wasa Fachrizal, Devano Hayunda Fadhillah S, Nurul Farichah, Syayyidati Fatikhul Islam, Akhlis Ferdiyansyah, Muhammad Fikriyah, Ashfa Fikriyah, Khusnul Firdaus, Andrian Dwi Rahmad Fitriah Dwi Susilowati Frihatmawati, Rizky Gladis Nabilah Widya Dana Hamzah Rabani, Muhammad Hendry Cahyono Hidayah, Syarifatul Hilda Monoarfa Himmatul kholidah Hujjatullah Fazlurrahman Ikhsanudin Sukron Imron Mustofa Intan Nurhasanah Irfan Ramis Kharisma, Ikke Kurniawan , Rahmat Kurniawan, Muhammad Ridho Hafid Ladi Wajuba Perdini Fisabilillah Larasati, Anita Latifah Wulandari, Fanny Leny Hikmah Rentiana Mahmudah, Latifatul Maria Monica Sianita Basukiwardojo Moch. Khoirul Anwar Monoarfa, Hilda Mubarok, Alrojak Muhammad Akbar Maulana Muhammad Andika, Muhammad Muhammad Fajar Wahyudi Rahman Muhammad Hamzah Rabani Muhammad Muhaemin Muhammad, Abiyyah Nanda, Annisa Amalia Eka Nita Kusumawati Nurafini, Fira Nurhasanah, Intan Nurillah, Shinta Lintang Nurwinsyah Rohmaningtyas Prabowo, Prayudi Setiawan Priambodo, Angelo Zauqi Rafl Printa Angelina, Yunika Purnama, Andry Priyadharmadi Rachma Indrarini Rachmawati, Desy Wulan Rahayu, Nunik Tri Ramadhina, R. Mekar Liza Ramdani Ramdani Ramdani Riska Febriana Rizqi, Ahmad Fatkhur Robert Shobary Rosyadi, M. Syam’un Rusida, Desy Khoirur Saifuddin, Muhammad Azhar SALSABILA, ANNISA Santi Ariyani Shikur, Anwar Adem Shinta Lintang Nurillah Sri Abidah Suryaningsih Sri Handajani Sri Herianingrum Sulistyowati Sulistyowati Tegar Qodri Nugroho Tika Widiastuti Tiwik Widyaningsih Ummah, Siti Safi'atul Wulandari, Sri Riski Yan Putra Timur Yati BT Samsuddin Yayuk Sri Rahayu Zulfa, Fina Lailiz