Article Per Year (5 Year)
p-Index From 2021 - 2026
3.673
P-Index
This Author published in this journals
All Journal EKOMBIS REVIEW: Jurnal Ilmiah Ekonomi dan Bisnis Jurnal Masharif al-Syariah: Jurnal Ekonomi dan Perbankan Syariah SELAPARANG: Jurnal Pengabdian Masyarakat Berkemajuan Justisia Ekonomika Enrichment : Journal of Management Humanism : Jurnal Pengabdian Masyarakat Multidiciplinary Output Research for Actual and International Issue (Morfai Journal) Journal of Islamic Economics IIJSE Danadyaksa: Post Modern Economy Journal
Amin, Rukhul
Universitas Muhammadiyah Surabaya, Surabaya, Indonesia
Religion Agriculture, Biological Sciences & Forestry Arts Humanities Chemical Engineering, Chemistry & Bioengineering Civil Engineering, Building, Construction & Architecture Computer Science & IT Control & Systems Engineering Decision Sciences, Operations Research & Management Economics, Econometrics & Finance Education Energy Engineering Environmental Science Health Professions Languange, Linguistic, Communication & Media Law, Crime, Criminology & Criminal Justice Library & Information Science Materials Science & Nanotechnology Medicine & Pharmacology Nursing Public Health Social Sciences Other

Published : 28 Documents Claim Missing Document
Claim Missing Document
Check
Articles

Found 28 Documents
Search

 1   2   3 
Pendampingan pengelolaan dana sosial masjid muhammadiyah untuk meningkatkan transparansi dan akuntabilitas keuangan Huda, Fatkur; Amin, Rukhul; Syadqomullah, Dikky
SELAPARANG: Jurnal Pengabdian Masyarakat Berkemajuan Vol 9, No 5 (2025): September
Publisher : Universitas Muhammadiyah Mataram

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.31764/jpmb.v9i5.33550

Abstract

Abstrak Masjid memiliki peran strategis dalam pengelolaan dana sosial umat, namun masih banyak masjid yang menghadapi tantangan dalam hal pencatatan dan pelaporan keuangan yang akuntabel. Kegiatan pengabdian ini bertujuan untuk meningkatkan kapasitas pengurus masjid Muhammadiyah dalam mengelola dana zakat, infaq, dan shodaqah secara transparan melalui metode pendampingan langsung. Empat masjid di wilayah Surabaya menjadi mitra kegiatan ini yakni masjid Baiturrahman, masjid Baiturrahim, Masjid Syaifunnur dan Masjid Sholihin. Pendekatan yang digunakan meliputi identifikasi masalah, sosialisasi di lapangan, pendampingan teknis pencatatan dan pelaporan, hingga publikasi laporan kepada jamaah. Hasil menunjukkan peningkatan signifikan dalam keteraturan pencatatan, penyusunan laporan keuangan, serta partisipasi jamaah terhadap dana sosial. Pengurus masjid yang semula tidak memiliki sistem pencatatan mulai menerapkan praktik keuangan sederhana yang tertib dan dapat dipertanggungjawabkan. Metode pendampingan langsung terbukti efektif dalam konteks masjid dengan keterbatasan sumber daya manusia dan teknologi. Kegiatan ini memberikan kontribusi nyata dalam memperkuat tata kelola dana sosial dan mendorong peran masjid sebagai pilar pemberdayaan ekonomi umat. Kata kunci: dana social; masjid; pencatatan keuangan; pendampingan; partisipasi jamaah. Abstract Mosques have a strategic role in managing the social funds of the people, but there are still many mosques that face challenges in terms of accountable financial recording and reporting. This service activity aims to increase the capacity of Muhammadiyah mosque administrators in managing zakat, infaq, and shodaqah funds transparently through direct mentoring methods. Four mosques in the Surabaya area are partners in this activity, namely the Baiturrahman mosque, the Baiturrahim mosque, the Syaifunnur Mosque and the Sholihin Mosque. The approach used includes problem identification, socialization in the field, technical assistance in recording and reporting, and publication of reports to pilgrims. The results showed a significant increase in the regularity of recording, preparation of financial statements, and the participation of pilgrims in social funds. Mosque administrators, who originally did not have a recording system, began to implement simple financial practices that were orderly and accountable. The direct mentoring method has proven to be effective in the context of mosques with limited human resources and technology. This activity makes a real contribution in strengthening the governance of social funds and encouraging the role of mosques as a pillar of economic empowerment of the people. Keywords: social funds; mosque; financial records; mentoring; congregation participation.
SADD AL-DZARI’AH:KORELASI DAN PENERAPANNYA DALAM HUKUM EKONOMI SYARIAH amin, rukhul
Jurnal Justisia Ekonomika: Magister Hukum Ekonomi Syariah Vol 4 No 2 (2020)
Publisher : Universitas Muhammadiyah Surabaya

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.30651/justeko.v4i2.6856

Abstract

This paper describes the importance of sad al-dzari'ah in determining Islamic law, especially in relation to the business-economy world which tends to be dynamic. Sadd al-dzari'ah is a legal instrument in Islam that is good if it is applied properly, in accordance with the rules of syara '. It can be a tool that can be used to create the benefit of the people and prevent it from being damaged. One example that can be seen in seeing the importance of sadd al-dzariah in the national legal system is the application of the actio paulina principle, the regulations of which can be found in Articles 1341 and 1061 of the Civil Code and Articles 41 to 47 of the bankruptcy law. However, as it plays a very important role in the search for law, on the one hand sadd al-dzari'ah can also be something negative. This can happen if the use or application is not / not done carefully, especially if it is not based on broad social piety in the community. Keyword: Sadd/Fath al-Dzari’ah, Maqashid al-Syariah, Actio Paulina
Implementation of Easy Wadiah Savings Products at BSI KCP Sidoarjo Krian in the Perspective of DSN-MUI Fatwa No. 02/DSN-MUI/IV/2000 Nisa Rahmayani; Arin Setiyowati Setiyowati; Rukhul Amin
Indonesian Interdisciplinary Journal of Sharia Economics (IIJSE) Vol 8 No 3 (2025): Sharia Economics
Publisher : Universitas KH. Abdul Chalim Mojokerto

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.31538/iijse.v8i3.7330

Abstract

This study aims to examine the implementation of Easy Wadiah Savings products at Bank Syariah Indonesia (BSI) Sidoarjo Krian Branch Office (KCP) according to DSN-MUI Fatwa No. 02/DSN- MUI/IV/2000. This product uses the wadiah yad dhamanah contract, which is a fund deposit contract where the bank guarantees the security of funds without providing a guarantee of return. The approach used in this study is qualitative using case studies, interviews with the bank, namely Customer Service and customers, and examination of related documents. The results of the study indicate that the implementation of this product is in accordance with sharia principles as stated in the fatwa, as evidenced by the absence of interest, the existence of voluntary incentives from the bank, and the ease for customers to access their funds. However, there are still several obstacles because the public's understanding of the concept of the wadiah contract is still limited. Therefore, efforts are needed to educate and increase knowledge of sharia finance.
MARKETING STRATEGY ANALYSIS OF GOLD PAWN PRODUCTS AT BANK SYARIAH INDONESIA: CASE STUDY AT BANK SYARIAH INDONESIA KCP SIDOARJO AHMAD YANI Erika; Rukhul Amin; Haqiqi Rafsanjani
Multidiciplinary Output Research For Actual and International Issue (MORFAI) Vol. 5 No. 1 (2025): Multidiciplinary Output Research For Actual and International Issue
Publisher : RADJA PUBLIKA

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.54443/morfai.v5i1.2533

Abstract

This study analyzes the marketing strategy of gold pawn products at Bank Syariah Indonesia (BSI) KCP Sidoarjo Ahmad Yani with the Marketing Mix 7P approach. The method used is qualitative with a phenomenological approach, where data is obtained through interviews and observations. The results of the study indicate that the marketing strategy includes products, prices, promotions, places, people, physical evidence, and processes. BSI gold pawn products excel in low deposit fees (ujroh), high estimated value, and fast service through BSI Mobile and Byond. The pricing strategy uses the Basic Gold Price (HDE) based on the average gold price in the last four months and considering competitor prices. Promotion is carried out through flyers, banners, socialization, application pop-ups, and WA Blast. Product distribution is easier with digital services that allow customers to make transactions without going to a branch office. In terms of service, customer service plays a role in providing information and assisting with transactions. Physical evidence can be seen from the office facilities and attractive promotional materials. The gold pawn process is made efficient, from handing over gold to disbursing funds and extending the pawn digitally. Although still facing competition with conventional pawnshops, the 7P-based marketing strategy has proven to increase the appeal of this product. More aggressive innovation and promotion are needed so that BSI gold pawnshops are better known to the public.
MARKETING STRATEGY ANALYSIS OF SAVINGS PRODUCTS AT PT BANK MUAMALAT KCP WIYUNG Fahrur Rosi; Dian Berkah; Rukhul Amin
Multidiciplinary Output Research For Actual and International Issue (MORFAI) Vol. 5 No. 4 (2025): Multidiciplinary Output Research For Actual and International Issue
Publisher : RADJA PUBLIKA

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.54443/morfai.v5i1.2555

Abstract

This study examines the implementation of savings product marketing strategies at PT Bank Muamalat KC Wiyung and its impact on increasing the number of customers and savings funds. In-depth interviews were conducted with the branch managers of Bank Muamalat Wiyung to obtain an overview of how the bank markets savings products and the challenges faced in implementing them. The results of the study indicate that a combination of marketing strategies through sharia channels such as branch offices and digital such as mobile banking and the use of referral programs can effectively attract new customers and retain old customers. In addition, the implementation of a personal approach through direct visits and promotional campaigns strengthens customer relationships with the bank. However, the bank still faces challenges from intense competition and difficulties in introducing new products to an increasingly growing market. This study highlights the importance of managing innovative and sustainable marketing strategies, and how this can increase customer loyalty and the competitiveness of Bank Muamalat's savings products in the sharia banking market.
Analysis of Islamic Bank Marketing Strategies in Increasing Easy Wadiah Savings Products at BSI KCP Rungkut 1 Mohammad Diki Kurniawan; Rukhul Amin; Dian Berkah
EKOMBIS REVIEW: Jurnal Ilmiah Ekonomi dan Bisnis Vol 13 No 4 (2025): Oktober
Publisher : UNIVED Press

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.37676/ekombis.v13i4.8449

Abstract

This study aims to analyze marketing strategies in improving Easy Wadiah Savings products at Bank Syariah Indonesia (BSI) KCP Rungkut 1. This study uses a qualitative approach with a case study method, where data is obtained through direct interviews with the bank as well as related documentation and literature. The results of the study indicate that BSI KCP Rungkut 1 has implemented a marketing strategy based on a marketing mix (7P), which includes products, prices, places, promotions, processes, human resources, and physical evidence. Strategies such as direct reward programs, QRIS cashback promotions, customer education, and community approaches have proven effective in attracting customer interest, especially micro segments such as housewives, students, and MSMEs. The main obstacles faced are low sharia financial literacy and competition with conventional banks. Therefore, increasing community-based literacy and optimizing local digital marketing strategies are important recommendations to strengthen the competitiveness of Easy Wadiah Savings products. This study is expected to be a reference for sharia financial institutions in designing more effective and sustainable marketing strategies.
Analysis Of Junior Savings Marketing Strategy At BSI KCP Surabaya Rungkut 1: Perspective Sharia Marketing Ahmad Mubarroq Dawam; Fatkur Huda; Rukhul Amin
EKOMBIS REVIEW: Jurnal Ilmiah Ekonomi dan Bisnis Vol 14 No 1 (2026): Januari
Publisher : UNIVED Press

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.37676/ekombis.v14i1.9022

Abstract

This study aims to analyze the marketing strategy of the Junior Savings product at BSI KCP Surabaya Rungkut 1 from a sharia marketing perspective. This study primarily focuses on identifying the types and models of marketing strategies used and assessing the effectiveness of these approaches in attracting child customers. This study used qualitative methods by conducting in-depth interviews with individuals associated with BSI. The research findings indicate that BSI KCP Surabaya Rungkut 1 implements a marketing strategy through the 7P approach (Product, Price, Place, Promotion, People, Process, Physical Evidence) that aligns with sharia principles. This strategy includes collaboration with educational institutions, online promotions using text messages, involvement in children's events, and financial education presented in an engaging and educational manner. The use of the auto-debit feature and financial literacy activities from an early age are added value in fostering savings habits in children in accordance with Islamic teachings. Sharia marketing is reflected in an approach that emphasizes honesty, openness, trustworthiness, and blessings in every marketing step taken. Despite increasing public interest, challenges remain, such as limited digital access and a lack of public awareness of the importance of savings for children. Therefore, strengthening digital innovation, increasing financial literacy, and developing more flexible contracts are strategic steps to strengthen the marketing of Junior Savings in the future.
MANAGEMENT OF CASH WAQF AT BSI MASLAHAT REGION 8 SURABAYA FOR 2022 – 2024 IN ACHIEVING THE SDGs Faris Khoirudin; Dian Berkah; Rukhul Amin
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.v9i2.9287

Abstract

This study aims to analyze the productive waqf management system at BSI Maslahat Surabaya as a nazhir institution in collaboration with Bank Syariah Indonesia (BSI). This research uses a qualitative method, with a case study approach that includes interviews, documentation and drawing conclusions. The results of the study show that BSI Maslahat Surabaya has successfully implemented a transparent waqf model with BSI in the management of productive waqf. This collaboration allows the optimization of the collection, management, and distribution of waqf funds professionally through the Integrated Fund Management System (IFMS). BSI Maslahat Surabaya manages two forms of waqf, namely money waqf and waqf through money, the proceeds of which are distributed to social programs such as Al-Qur'an Grants, Waqf for the construction of BSI Mosque in Bromo, BSI Qur'an House in Magetan. The application of Sharia Good Governance principles makes this institution credible and accountable. Overall, BSI Maslahat Surabaya is a model for modern productive waqf management that is sustainable and has the potential to strengthen the sharia economic ecosystem in Indonesia.
PENGEMBANGAN MEDIA PERMAINAN ULAR TANGGA UNTUK MENINGKATKAN LITERASI MEMBACA DI TK AISYIYAH KREMBANGAN SURABAYA rukhul amin; Deny Kartika; M. Hafiizh Fardhani
Humanism : Jurnal Pengabdian Masyarakat Vol 6 No 3 (2025): Desember
Publisher : Universitas Muhammadiyah Surabaya

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.30651/hm.v6i3.23833

Abstract

Salah satu permasalahan Pendidikan adalah minimnya media sarana dan / atau prasarana sehingga guru dituntut kreatif dalam meningkatkan kualitas pembelajaran kelas. Memasuki usia TK anak-anak akan diajarkan dengan berbagai metode pembelajaran seperti, metode proyek atau diberikan sebuah tugas, metode bercerita, metode bermain, metode bernyanyi dan lain sebagainya. Dalam metode bermain, anak-anak akan diajarkan berbagai permainan guna menunjang perkembangan anak. Melalui metode bermain, anak memperoleh pelajaran yang mencakup aspek perkembangan kognitif, sosial, emosional, dan fisik. Bermain merupakan pengalaman belajar yang sangat bermanfaat bagi anak. Karena bermain merupakan sumber pengalaman dan trial and error, maka bermain juga merupakan sarana untuk menumbuhkan kreativitas dan pengembangan kognitif. Dari sudut pandang pendidikan, bermain adalah suatu kegiatan permainan dengan menggunakan alat dan alat permainan edukatif yang dapat merangsang perkembangan kemampuan kognitif anak, aspek sosial, emosional dan fisik. Jadi dari sudut pandang pendidikan, permainan sangat membutuhkan alat permainan yang mendidik. Alat permainan edukatif tersebut dinamakan Alat Permainan Edukatif (APE)
Dinamika Penerapan Murabahah Dalam Sistem Perbankan Syariah Rukhul Amin
Jurnal Masharif al-Syariah: Jurnal Ekonomi dan Perbankan Syariah Vol 1 No 1 (2016)
Publisher : Universitas Muhammadiyah Surabaya

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.30651/jms.v1i1.743

Abstract

Sistem operasional bank syariah pada awalnya lebih didasarkan pada instrumen Profit and loss sharing (PLS). Namun saat ini, model pendanaan yang paling populer dan banyak dimanfaatkan, baik oleh bank maupun nasabah,  justru transaksi-transaksi berdasarkan mark-upyang memberikan tingkat kepastian pembayaran. Di sisi lain, sebagian masyarakat masih menganggap perbankan syariahdengan akad murabahah sebagai produk utamanya, tak ubahnya/tidak lebih baik dari perbankan konvensional yang  menerapkan prinsip bunga. Berangkat dari alasan di atas, tulisan ini mencoba menguraikan/mengidentifikasi beberapa hal mengenai dinamika penerapan produk murabahah di perbankan syariah.
Co-Authors Abdul Mujib ABDUL MUJIB Ahmad Mubarroq Dawam Arin Setiyowati Setiyowati Aulia Zilvina Lauretta Fianto Deny Kartika Dian Berkah Dian Berkah Erika Fahrur Rosi Faris Khoirudin Fatkur Huda Haqiqi Rafsanjani M. Arfan Muammar M. Hafiizh Fardhani Mohammad Diki Kurniawan Muhammad Fatikhul Mufidz Nisa Rahmayani Rifa’atul mafthuhah Setiyowati, Arin Sukma Asmaning Ayu Syadqomullah, Dikky