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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 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) 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 Journal of Shariah Economic Law 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
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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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.
Pemanfaatan Aplikasi Canva Magic AI Dalam Pembuatan Buku Cerita Bergambar Digital Purnama, Andry Priyadharmadi; Samsuddin, Yati Bt; Wulandari, Sri Riski; Kurniawan , Rahmat; Yasin, Achmad
Jurnal Hasil-Hasil Pengabdian dan Pemberdayaan Masyarakat Vol. 5 No. 1 (2026): Volume 05 Nomor 01 (April 2026)
Publisher : Jurusan Matematika FMIPA UNM

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.35580/kt56yn76

Abstract

Perkembangan pesat teknologi Artificial Intelligence (AI) saat ini membuka peluang besar bagi transformasi media pembelajaran, khususnya dalam meningkatkan efisiensi produksi buku cerita bergambar digital yang interaktif. Namun, potensi ini seringkali terhambat oleh kendala teknis yang dihadapi para pendidik, seperti keterbatasan dalam memahami klasifikasi buku, kompleksitas tahapan produksi, hingga rendahnya penguasaan desain visual secara manual. Guna mengatasi permasalahan tersebut, kegiatan pengabdian ini menerapkan metode partisipatori melalui rangkaian sosialisasi dan workshop intensif yang berfokus pada pengoptimalan fitur Canva Magic AI. Melalui pelatihan ini, peserta dilatih secara praktis untuk menggunakan fitur Magic Design untuk tata letak, Magic Media (Text-to-Image) untuk menciptakan ilustrasi orisinal dari narasi teks, serta Magic Edit guna memastikan sinkronisasi visual yang harmonis dengan alur cerita. Hasil kegiatan membuktikan adanya peningkatan kompetensi digital yang signifikan, di mana tingkat keterampilan peserta melonjak dari 55% pada pengujian awal menjadi 85% setelah pelatihan. Implementasi Canva Magic AI terbukti menjadi solusi efektif dalam meningkatkan produktivitas serta kualitas estetika media ajar, yang pada akhirnya berperan krusial dalam mendukung penguatan literasi anak secara lebih optimal dan inovatif di era digital.
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 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 Clarashinta Canggih Daffa Fadhillah Burhanudin Dardiri, Masyudan Devano Hayunda Fachrizal Dhini, Ulfa Rahma Diansyah, Ahmad Zubadar Oktorifal Dwi, Andrian 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 Firdaus, Andrian Dwi Rahmad Fitriah Dwi Susilowati Frihatmawati, Rizky Gladis Nabilah Widya Dana Hamzah Rabani, Muhammad Hendry Cahyono Hidayah, Syarifatul Hilda Monoarfa Hujjatullah Fazlurrahman Ikhsanudin Sukron Imron Mustofa Intan Nurhasanah Irfan Ramis Kharisma, Ikke Kholidah, Himmatul Khusnul Fikriyah 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 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 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 Rizqi, Ahmad Fatkhur Robert Shobary Rosyadi, M. Syam’un Rusida, Desy Khoirur Sa'dia, Kharismatus Saifuddin, Muhammad Azhar SALSABILA, ANNISA Santi Ariyani 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