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All Journal Intiqad: Jurnal Agama dan Pendidikan Islam EDUTECH: Jurnal Ilmu Pendidikan dan Ilmu Sosial Journal of Economic, Bussines and Accounting (COSTING) Iqtishoduna: Jurnal Ekonomi Islam MONSU'ANI TANO Jurnal Pengabdian Masyarakat Ihsan: Jurnal Pengabdian Masyarakat Aghniya: Jurnal Ekonomi Islam Jurnal AKMAMI (Akuntansi Manajemen Ekonomi) Jurnal Investasi Islam Journal of Educational Management Research IIJSE International Conference on Islamic Economic Jurnal Pengabdian Masyarakat Ekonomi dan Bisnis Digital Inflasi : Jurnal Ekonomi, Manajemen dan Perbankan
Uswah Hasanah
Universitas Muhammadiyah Sumatera Utara
Religion Agriculture, Biological Sciences & Forestry Arts Humanities Civil Engineering, Building, Construction & Architecture Decision Sciences, Operations Research & Management Economics, Econometrics & Finance Education Physics Social Sciences

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Model of Sharia Bank Profitability Determination Factors by Measuring Internal and Externals Variables Mutiah Khaira Sihotang; Uswah Hasanah; Isra Hayati
Indonesian Interdisciplinary Journal of Sharia Economics (IIJSE) Vol 5 No 1 (2022): Sharia Economic: January, 2022
Publisher : Sharia Economics Department Universitas KH. Abdul Chalim, Mojokerto

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.31538/iijse.v5i1.1949

Abstract

This study examines the influence of internal and external factors on profitability as proxied by Return on Assets (ROA), a study on Islamic Commercial Banks for the 2016-2020 period. In the theory of profitability, there are 2 factors that affect bank profitability, namely internal factors and external factors. Internal factors in this study are BOPO (Operating Expenses to Operating Income), Non-Performing Financing (NPF), Financial to Deposit Ratio (FDR) and external factors in this study are inflation and the money supply. Profitability is one of the most important factors in a company, including Islamic financial institutions, in this case Islamic banks, so that every company must pay attention to the company's profitability ratios. Islamic banks are financial institutions that just started to emerge in the late 90s and have a very high level of competition with conventional banks. For this reason, this study aims to look at the financial performance of Islamic banks in Indonesia through the level of profitability they have had for the last 5 years. The sample selection in this study used purposive sampling method. The sample in this study is the monthly financial statements of Islamic commercial banks in Indonesia in 2016-2020. The data in this study will be processed using SPSS software with multiple regression. The results of this study state that inflation as an external factor does not have a significant effect on the profitability of Islamic Commercial Banks as measured by the Return on Assets (ROA) ratio with a significance level of 0.628 and the money supply has a significant effect on ROA. While the BOPO, NPF and FDR variables as internal factors have a significant effect on ROA.
Analysis of the Development of Human Resource Management Functions (An Analysis of Qur’anic Verses on Human Resource Management) Uswah Hasanah; Mutiah Khaira Sitohang; M. Iqbal
Indonesian Interdisciplinary Journal of Sharia Economics (IIJSE) Vol 6 No 3 (2023): Sharia Economic: November, 2023
Publisher : Sharia Economics Department Universitas KH. Abdul Chalim, Mojokerto

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.31538/iijse.v6i3.3949

Abstract

Human resource issues are still a highlight and priority for an organization or company to survive and develop in the current era of globalization. The existence of human resources is a determining factor in the successful implementation of an effective organization. Company activities will not be completed properly without being supported by the potential and effective and efficient performance of its human resources. To achieve this success, the existence of human resource management is an absolute thing that must be done optimally so that the purpose of the organization can be achieved. This research aims to examine further the function of human resource management in general, as well as compare it with Islamic rules regarding human resource management contained in the Qur’an so that it can add to the development of human resource management functions both in general and when associated with human resource management in Islam which views humans as having 2 functions, namely as servants and caliphs on earth. This research on Human Resource Management is also the result of the author's observations of human resource management when viewed from an Islamic perspective. This writing is to answer the question of how the human resource management system is viewed from an Islamic point of view. This research method is library research and is included in the category of qualitative research. With thematic method (maudu’iy), namely collecting and analyzing the verses of the Qur'an that talk about the function of human resource management. The results showed that many verses of the Qur'an that examine human resources can be used for the development of human resource management functions and add contributions to the development of Sharia human resource management functions. This research can be continued by studying and deepening the verses of the Koran in subsequent studies so that Islamic human resources have specific advantages.
Peran Pelatihan dan Pengembangan Karyawan Dalam Meningkatkan Pelayanan pada Hotel Zartin Syariah Ujung Gading Sumatera Barat Muhammad Fayyadh; Uswah Hasanah
Journal of Economic, Bussines and Accounting (COSTING) Vol 7 No 4 (2024): Journal of Economic, Bussines and Accounting (COSTING)
Publisher : Institut Penelitian Matematika, Komputer, Keperawatan, Pendidikan dan Ekonomi (IPM2KPE)

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.31539/costing.v7i4.11154

Abstract

The objective of this study is to investigate the impact of staff training and development on enhancing the quality of services provided at the Zartin Syariah Hotel Ujung Gading, located in West Sumatra. Field study using an observational and interview-based qualitative descriptive technique is the research methodology used. The study's findings demonstrate that the hotel has recognized issues and taken proactive measures to enhance the quality of its services, particularly by investing in the professional growth and training of each worker with an emphasis on sharia principles. Regular evaluation, employee motivation, reward, punishment, collaboration, and feedback from guests are also important elements in a hotel's efforts to improve service quality. Keywords: Training, Development, Service
The Effectiveness of Savings Programs in Shaping Students’ Financial Discipline in Islamic Boarding Schools Mahmud Khoil Shofa Siagian; Uswah Hasanah
International Conference on Islamic Economic (ICIE) Vol. 4 No. 1 (2025): April
Publisher : Sekolah Tinggi Agama Islam Darul Ulum Banyuanyar Pamekasan

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.58223/icie.v4i1.420

Abstract

Financial discipline is an essential life skill that enables individuals to manage resources wisely and prepare for future needs. In the context of Islamic boarding schools, or pesantren, this skill becomes even more important as students (santri) are expected to embody responsibility, independence, and adherence to Islamic values in daily life. Recognizing this need, An-Nikmah School Cooperatives introduced a sharia-based savings program, designed not only as a financial service but also as an educational initiative to instill long-term financial awareness and discipline. His study seeks to evaluate the effectiveness of the savings program in enhancing students’ financial discipline, to identify both supporting and inhibiting factors, and to assess the program’s contribution to the development of financial character consistent with Islamic principles. A descriptive qualitative method was employed, incorporating in-depth interviews, direct observation, and document analysis with cooperative managers and participating students. The findings reveal that the savings program contributes significantly to building systematic saving habits, encouraging accurate financial recording, and strengthening the integration of Islamic values in financial management. Despite these achievements, the program faces challenges such as limited financial literacy among students, inadequate access to technology-based recording tools, and insufficient training sessions to reinforce knowledge and practice. Overall, the study concludes that the sharia cooperative savings program at An-Nikmah School Cooperatives is effective in fostering disciplined, responsible, and independent financial behavior. Moreover, it provides a replicable model for financial education in Islamic boarding schools, offering valuable insights for policymakers, educators, and cooperative institutions in advancing financial literacy through faith-based initiatives.
Implementing Islamic Financial Literacy to Foster Saving Habits in Early Childhood Patimah; Uswah Hasanah
Journal of Educational Management Research Vol. 5 No. 3 (2026)
Publisher : Al-Qalam Institue

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.61987/jemr.v5i3.2035

Abstract

Sharia financial literacy plays a strategic role in shaping responsible financial behavior aligned with Islamic values from an early age. The habit of saving is a relevant form of implementing Sharia financial literacy to instill a sense of trustworthiness, self-control, and awareness of wise wealth management. In the context of early childhood education, the application of Sharia financial literacy needs to be contextualized and sustainable so that the introduced values can be internalized in children's daily behavior. This study used a qualitative descriptive method with a case study approach conducted at Tadika Didik Bistari Gemilang Malaysia. Data were obtained through observation of learning activities, in-depth interviews with the headmaster, class teachers, parents, and children aged 5–6, and supported by documentation of activities. The study results indicate that Sharia financial literacy is implemented through the habit of saving integrated into children's learning activities, such as direct practice of saving and the use of simple media appropriate to the child's developmental stage. This hands-on, experience-based approach increases children's engagement and helps them understand the concrete meaning of saving. Consistently practicing these habits has a positive impact on children's behavior, as reflected in increased savings habits, greater caution in using pocket money, and the ability to delay desires. These findings confirm that Islamic financial literacy, implemented from an early age, plays a crucial role in developing potentially responsible and sustainable financial behavior when supported by synergy between the school and family environments.
Strategi Pengembangan Peternakan Sapi Potong Berbasis Optimalisasi Sumber Daya di Kecamatan Pegajahan Darma Wijaya; Uswah Hasanah
Inflasi : Jurnal Ekonomi, Manajemen dan Perbankan Vol. 1 No. 2 (2024): Inflasi - November
Publisher : PT. Faaslib Serambi Media

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.66341/inflasi.v1i2.51

Abstract

Penelitian ini bertujuan untuk mengetahui berbagai sumber daya yang mendukung pengembangan peternakan sapi potong di Desa Bingkat, Kecamatan Pegajahan, serta menentukan wilayah yang menjadi sektor basis melalui analisis Location Quotient (LQ). Data yang digunakan dalam penelitian ini adalah data sekunder yang diperoleh dari Balai Penyuluhan Pertanian Perikanan dan Kehutanan Desa Bingkat. Hasil analisis LQ menunjukkan bahwa Desa Bingkat memiliki nilai LQ sebesar 2,08, yang mengindikasikan wilayah tersebut sebagai sektor basis dalam pengembangan ternak sapi. Potensi maksimum ternak berdasarkan sumber daya lahan (PMSL) mencapai 2.269,03 ST, dengan kapasitas peningkatan populasi sapi berdasarkan sumber daya lahan (KKPTR(SL)) sebesar 1.180,53 ST. Populasi ternak sapi aktual (POPRIL) di Desa Bingkat tercatat sebanyak 1.088,5 ST. Selain itu, potensi maksimum ternak berdasarkan kepala keluarga (PMKK) mencapai 6.012 ST, dan kapasitas peningkatan populasi ternak sapi berdasarkan kepala keluarga (KPPTR(KK)) adalah 4.923,5 ST. Angka-angka ini menunjukkan bahwa Desa Bingkat dan Kecamatan Pegajahan memiliki potensi yang besar dalam pengembangan peternakan sapi potong.
PEMANFAATAN BOTOL BEKAS UNTUK PEMBUATAN CELENGAN SEBAGAI UPAYA MENINGKATKAN MINAT MENABUNG PADA SISWA-SISWI SDN 106192 DESA BESAR II TERJUN Naila Putri; Uswah Hasanah
Jurnal Pengabdian Masyarakat Ekonomi dan Bisnis Digital Vol. 1 No. 3 (2024): September
Publisher : Yayasan Nuraini Ibrahim Mandiri

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.70248/jpmebd.v1i3.1317

Abstract

Pengabdian ini bertujuan untuk meningkatkan minat siswa dalam menabung di SDN 106192 Desa Besar ll Terjun dengan memanfaatkan botol bekas sebagai bahan dasar pembuatan celengan. Kegiatan ini dilatarbelakangi oleh masih rendahnya minat menabung di kalangan siswa yang menjadi perhatian penting dalam pendidikan karakter sejak dini. Dalam penelitian ini, siswa diajak untuk berkreasi dan memanfaatkan barang-barang bekas, seperti botol plastik, yang mudah ditemukan di sekitar mereka. Dengan pendekatan partisipatif, siswa dilibatkan secara langsung dalam proses pembuatan celengan yang menarik dan kreatif. Hasil kegiatan menunjukkan bahwa pemanfaatan celengan berbahan botol bekas dapat meningkatkan semangat dan minat siswa dalam menabung, serta menanamkan kesadaran akan pentingnya menjaga lingkungan melalui daur ulang. Selain itu, kegiatan ini juga mendorong perkembangan motorik dan kreativitas siswa. Kata Kunci: Botol Bekas, Celengan, Minat Menabung
Implementasi Strategi Pemasaran Mikro dalam Rangka Peningkatan Penyaluran Produk Pinjaman KUR Pada PT BSI KC Kutacane Muhammad Fawaz Elfikri; Uswah Hasanah
Jurnal Investasi Islam Vol. 11 No. 2 (2026): Jurnal Investasi Islam (JII)
Publisher : FEBI IAIN Langsa

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.32505/jii.v11i2.16033

Abstract

Penelitian ini bertujuan untuk menganalisis implementasi strategi pemasaran mikro produk Kredit Usaha Rakyat (KUR) pada PT Bank Syariah Indonesia KC Kutacane Aceh Tenggara, mengidentifikasi kontribusinya terhadap peningkatan penyaluran pembiayaan kepada pelaku Usaha Mikro, Kecil, dan Menengah (UMKM), mengkaji upaya yang dilakukan bank dalam mengatasi hambatan pemasaran, serta menganalisis kendala yang dihadapi dalam implementasi strategi pemasaran tersebut. Penelitian ini menggunakan pendekatan kualitatif dengan metode deskriptif. Data diperoleh melalui wawancara mendalam, observasi, dan dokumentasi terhadap pimpinan cabang, petugas pemasaran, serta pihak-pihak yang terlibat dalam pelaksanaan pembiayaan KUR di PT Bank Syariah Indonesia KC Kutacane Aceh Tenggara. Hasil penelitian menunjukkan bahwa implementasi strategi pemasaran mikro dilakukan melalui sosialisasi, pendekatan langsung (door to door), personal selling, dan pendampingan kepada pelaku UMKM, yang berkontribusi terhadap peningkatan pemahaman masyarakat, terbentuknya kepercayaan nasabah, kemudahan proses pengajuan pembiayaan, serta peningkatan penyaluran produk KUR. Temuan ini sejalan dengan konsep pemasaran jasa perbankan yang menekankan pentingnya komunikasi langsung dan pelayanan yang berkualitas dalam meningkatkan minat nasabah terhadap produk pembiayaan. Meskipun demikian, implementasi strategi tersebut masih menghadapi kendala berupa rendahnya literasi masyarakat mengenai pembiayaan syariah, persaingan dengan lembaga keuangan lain, serta keterbatasan administrasi calon nasabah. Oleh karena itu, PT Bank Syariah Indonesia perlu memperkuat edukasi kepada masyarakat, meningkatkan kualitas pelayanan, dan mengembangkan strategi pemasaran yang lebih adaptif terhadap kebutuhan pelaku UMKM. Penelitian selanjutnya disarankan memperluas objek penelitian pada beberapa kantor cabang atau menggunakan pendekatan kualitatif maupun mixed methods sehingga diperoleh gambaran yang lebih komprehensif mengenai efektivitas strategi pemasaran produk KUR.
THE INFLUENCE OF CORPORATE SOCIAL RESPONSIBILITY (CSR) AND SERVICE QUALITY ON CUSTOMER LOYALTY OF BANK SYARIAH INDONESIA (BSI) Muslim Marpaung; Ricca Hendarti; Mutiah Khaira Sihotang; Uswah Hasanah; M. Satrya Mutthaqin
Indonesian Interdisciplinary Journal of Sharia Economics (IIJSE) Vol 9 No 2 (2026): Sharia Economics
Publisher : Universitas KH. Abdul Chalim Mojokerto

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.31538/iijse.v9i2.9603

Abstract

This research aims to determine and analyze the influence of corporate social responsibility and service quality on customer loyalty at Bank Syariah Indonesia Sukaramai Medan Branch. This research uses a quantitative method with an associative approach which aims to analyze the problem of the relationship between one variable and other variables. In this research, the respondents studied were customers of Bank Syariah Indonesia, Sukaramai Medan Branch, with a total sample of 286 people and the samples were taken using a random sampling technique. The research results show that corporate social responsibility (CSR) has a significant effect on customer loyalty with a value of tcount > t table 3,897 > 1.652, a significant value of 0.000 < 0.05, meaning that the CSR variable partially has a positive and significant effect on customer loyalty. Service quality has a significant effect on customer loyalty with Tcount > Ttable or 1.729 > 1.652, a significant value of 0.003 < 0.05 means that the service quality variable partially has a positive and significant effect on Customer Loyalty. Corporate social responsibility (CSR) and service quality simultaneously influence customer loyalty at Bank Syariah Indonesia Sukaramai Medan Branch with a significance value of 0.000 < 0.05 and a calculated F value of 8.713 > F table 3.04, meaning that there is an influence of CSR and service quality on loyalty. customers at Bank Syariah Indonesia.
Beyond Banking: Innovating Sharia-Compliant Housing Finance for Sustainable Homeownership Mutiah Khaira Sihotang; Uswah Hasanah; Salman Nasution; Mohd Shahid Mohd Noh
IQTISHODUNA: Jurnal Ekonomi Islam Vol. 15 No. 1 (2026): April
Publisher : Department of Sharia Economics Faculty of Islamic Economics and Business, Universitas Islam Syarifuddin Lumajang, Indonesia

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.54471/iqtishoduna.v15i1.3913

Abstract

Access to affordable and Sharia-compliant housing finance remains a major challenge for many Muslim households, particularly those excluded from formal banking services. While Islamic banking has expanded significantly, existing financing schemes often remain inaccessible to unbanked consumers and may not fully address concerns regarding affordability, flexibility, and compliance with Islamic legal principles. This study explores an innovative non-bank Sharia-compliant housing finance model as an alternative pathway toward sustainable homeownership. Using a qualitative descriptive approach, data were collected through in-depth interviews, field observations, and document analysis across four non-bank Islamic housing projects involving developers, administrative personnel, and homeowners. The findings reveal that the financing model operates through direct murabahah and istisna' contracts without bank intermediation, interest, late-payment penalties, property repossession, or conventional credit screening. Beyond improving financial accessibility, the model promotes ethical financing by integrating transparency, mutual consent, flexible restructuring, and character-based risk assessment to mitigate default while preserving social trust. However, deferred property title transfers remain a significant legal challenge requiring stronger regulatory safeguards. This study contributes to the Islamic finance literature by proposing a sustainable non-bank housing finance framework that integrates Sharia compliance, financial inclusion, and risk governance. The findings offer practical insights for policymakers, regulators, and Islamic property developers seeking to strengthen alternative housing finance ecosystems that support inclusive and sustainable homeownership.
Co-Authors Bayu Arnanda Darma Wijaya Febri Apriansah Isra Hayati Khairatun Hisan Lenny Rakhmawati, Ricca Hendarti, M. Iqbal M. Satrya Mutthaqin Mahmud Khoil Shofa Siagian Mohd Shahid Mohd Noh Muhammad Fawaz Elfikri Muhammad Fayyadh Munardi, Benny Muslim Marpaung Muthia Khaira Sihotang Mutiah Khaira Sihotang Nadlrah Naimi Naila Putri Nasution, Salman Nur Sakinah Nuryan Hadi Patimah Rahmayati Rahmayati