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All Journal Conference In Business, Accounting And Management (Cbam) 2012 INFERENSI JURNAL EKONOMI AKUNTANSI DAN MANAJEMEN JURNAL AKUNTANSI UNIVERSITAS JEMBER AT-Tahdzib: Jurnal Studi Islam dan Muamalah Jurnal Darussalam: Jurnal Pendidikan, Komunikasi dan Pemikiran Hukum Islam Jurnal Istiqro' JURNAL PENDIDIKAN TAMBUSAI MALIA Iqtishoduna: Jurnal Ekonomi Islam LOYALITAS: Jurnal Pengabdian Kepada Masyarakat Proceedings of Annual Conference for Muslim Scholars Dinasti International Journal of Economics, Finance & Accounting (DIJEFA) International Journal of Multidisciplinary: Applied Business and Education Research Ekosiana : Jurnal Ekonomi Syariah Jurnal Ekonomi dan Bisnis GROWTH (JEBG) ICO EDUSHA ASERSI : Jurnal Akuntansi Terapan dan Bisnis Jurnal Perbankan Syariah Darussalam (JPSDa) Electronic Journal of Education, Social Economics and Technology Jurnal Ekonomi Syariah Engagement: Jurnal Pengabdian Kepada Masyarakat Proceeding Of International Conference On Education, Society And Humanity At-Tahdzib: Jurnal Studi Islam dan Muamalah VRISPRAAK, International Journal of Law Jurnal Ekonomi, Manajemen, Ilmu Sosial dan Politik
Lely Ana Ferawati Ekaningsih
Universitas KH. Mukhtar Syafaat (UIMSYA), Blokagung, Banyuwangi
Religion Arts Humanities Civil Engineering, Building, Construction & Architecture Computer Science & IT Decision Sciences, Operations Research & Management Economics, Econometrics & Finance Education Electrical & Electronics Engineering Engineering Environmental Science Health Professions Languange, Linguistic, Communication & Media Law, Crime, Criminology & Criminal Justice Library & Information Science Mathematics Medicine & Pharmacology Nursing Public Health Social Sciences Veterinary Other

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THE EFFECT OF ISLAMIC WORK ETHICS AND ISLAMIC LEADERSHIP ON EMPLOYEE PERFORMANCE AT KOPPONTREN AUSATH, KARANGDORO VILLAGE, TEGALSARI DISTRICT, BANYUWANGI DISTRICT Lely Ana Ferawati Ekaningsih; Eko Budiywono; Indah Kriswanti
ICO EDUSHA Vol. 2 No. 1 (2021): THE 2nd ICO EDUSHA 2021 INTERNATIONAL CONFERENCE ON EDUCATION MANAGEMENT AND SH
Publisher : STAI AN-NAJAH INDONESIA MANDIRI

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Tujuan dari penelitian ini adalah untuk 1) Mengetahui pengaruh etika kerja Islam (X1) terhadap kinerja karyawan (Y); 2) Mengetahui pengaruh kepemimpinan Islam (X2) terhadap kinerja karyawan (Y); 3) Mengetahui pengaruh secara simultan antara etika kerja Islam (X1) dan kepemimpinan Islam (X2) terhadap kinerja karyawan (Y) di Koppontren Ausath Desa Karangdoro, Kecamatan Tegalsari. Penelitian ini menggunakan pendekatan kuantitatif dengan jenis penelitian survei. Penentuan sampel penelitian dengan menggunakan teknik sensus sampling diperoleh jumlah responden 50 karyawan. Variabel independen dari penelitian ini adalah etika kerja Islam (X1) dan kepemimpinan Islam (X2), sedangkan variabel dependen adalah kinerja karyawan (Y). Alat analisis menggunakan regresi linier berganda dengan bantuan software SPSS.Hasil Penelitian 1) Secara positif dan signifikan Etika kerja Islam (X1) berpengaruh terhadap kinerja karyawan (Y); 2) Secara positif dan signifikan Kepemimpinan Islam (X2) berpengaruh terhadap kinerja karyawan (Y); 3) Secara simultan etika kerja Islam (X1) dan kepemimpinan Islam (X2) berpengaruh secara positif dan signifikan terhadap kinerja karyawan (Y) di Koppontren Ausath Desa Karangdoro, Kecamatan Tegalsari, Kabupaten Banyuwangi. Kata Kunci:Etika Kerja Islam, Kepemimpinan Islam, Kinerja Karyawan References Al-Qur’an Terjemahan. 2010. Departemen Agama RI. Bandung: CV Darus. Sunnah.Ahmad, Mustaq. 2001. Etika Bisnis Dalam Islam, Jakarta: Pustaka Al-Kautsar.Ainy, Desy Nur. 2016. Analisis Pengaruh Kepemimpinan Islami, Motivasi Kerja dan Religiusitas Terhadap Kinerja Karyawan di waroeng steak and shake canang Semarang, Skripsi Institut Agama Islam Negeri Salatiga.Ekaningsih, Lely Ana Ferawati. Dkk, 2016. Lembaga Keuangan Syari’ah Bank dan Non-Bank, Surabaya: Kopertais.Hasibuan. 2019. Manajemen Sumber Daya Manusia. Jakarta: Bumi Aksara.Riduwan dan Sunarto. 2015. Dasar-dasar Statistika, Bandung:AlfabetaRivai. 2009. Manajemen Sumber Daya Manusia. Jakarta: PT. Raja Grafindo Persada.Rudito dan Famiola. 2007. Etika Bisnis dan Tanggung Jawab Sosial Perusahaan di Indonesia, Bandung: Rekayasa Sains.Salsabila. 2017. Pengaruh Etika Kerja Islam Terhadap Kinerja Pegawai di Rumah Sakit Islam Yogyakarta PDHI, Skripsi Universitas Islam Negeri Sunan Kalijaga.Singarimbun. 2001. Metode Penelitian, Jakarta: LP3ES.Shodiq. 2018. Pengaruh Etika Kerja Islam. Jurnal Bisnis dan Manajemen Islam, Vol. VI, No 1:10.Sugiyono. 2017. Metode Penelitian Kuantitatif Kualitatif dan R&D, Bandung: Alfabeta.Sukirno. 2011. Manajemen Sumber Daya Insani, Bandung: Alfabeta.Yousef. 2001. Etika Kerja Islami, Jakarta: Gramedia Pustaka Utama
IMPLEMENTATION OF MURABAHAH CONTRACT IN MUB INTEGRATED JOINT BUSINESS PRODUCTS IN ISLAMIC ECONOMIC PERSPECTIVE AT BMT UGT SIDOGIRI CAPEM BANYUWANGI Abdul Kholiq Syafa’at; Lely Ana Ferawati Ekaningsih; Abdul Mujib
ICO EDUSHA Vol. 2 No. 1 (2021): THE 2nd ICO EDUSHA 2021 INTERNATIONAL CONFERENCE ON EDUCATION MANAGEMENT AND SH
Publisher : STAI AN-NAJAH INDONESIA MANDIRI

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Tujuan Penelitian menganalisis kesesuaian penerapan akad Murabahah pada produk UGT MUB dengan perspektif ekonomi Islam. Kesesuaian perspektif ekonomi Islam dengan ketentuan UU Perbankan Syariah, dan Fatwa DSN-MUI. Jenis penelitian studi kasus. Informan kunci berasal dari pihak BMT, informan pendukung dari anggota. Analisis data menggunakan interaktif model. Hasil penelitian menunjukkan bahwa Praktek penerapan akad murabahah sudah sesuai dengan Undang-undang Perbankan Syariah dan Fatwa DSN-MUI, dimana penerapan pembiayaan murabahah sudah memenuhi syarat rukun jual beli dan pembiayaan yang berdasarkan atas prinsip Islam. Asas-asas (nilai-nilai) dalam perspektif ekonomi Islam juga telah terkandung dalam penerapan akad murabahah pada produk UGT MUB. Kata Kunci: Pembiayaan, Murabahah, Perspektif Ekonomi Islam, BMT References Abdullah dan Soebani. 2014. Metode Penelitian Ekonomi Islam (Muamalah). Pustaka setia. Al-Arif, M. Nur Rianto. 2011. Dasar-dasar Ekonomi Islam. Solo: PT Era Adicitra Intermedia. Bungin, Burhan. 2007. Penelitian Kualitatif: Komunikasi, Ekonomi, Kebijakan Publik dan Ilmu Sosial Lainnya. Jakarta: PT Adhitya Andreabina Agung. Dewi, Nourma. 2017. Jurnal Regulasi Keberadaan Baitul Mal Wat Tamwil (BMT) dasar sistem perekonomian di Indonesi. ISSN 1693-0819. Ekaningsih, Lely Ana Ferawati. Dkk, 2016. Lembaga Keuangan Syari’ah Bank dan Non-Bank, Surabaya: Kopertais. Fatwa Dewan Syari’ah Nasional No: 13/DSN-MUI/IX/2000 Tentang Uang Muka Dalam Murabahah. Fatwa Dewan Syari’ah Nasional No: 04/DSN-MUI/IV/2000 Tentang Murabahah. Fatwa Dewan Syari’ah Nasional No: 17/DSN-MUI/IV/2000 Tentang Sanksi atas Nasabah Mampu yang Menunda-nunda Pembayaran. Hakim, H. Cecep Maskanul. 2011.Belajar Mudah Ekonomi Islam: Catatan Kritis Terhadap Dinamika Perkembangan Perbankan Syariah Di Indonesia. Tanggerang: Shuhuf Media Insani Kementrian koperasi dan UMK yang diolah dari data Badan Pusat Statistik (BPS). 2019. Moleong, Lexi j. 2007. Metodologi Penelitian Kualitatif, Bandung: PT Remaja Rosdakarya. Muhammad. 2016. Manajemen Pembiayaan Bank Syariah. Yogyakarta: UPP STIM YKPM. Peraturan otoritas jasa keuangan No 02/POJK/2014 Tentang perizinan usaha dan kelembagaan lembaga keuangan mikro. Rahmawaty Anita. 2007. Ekonomi Syari’ah: Tinjauan Kritis Produk Murabahah dalam Perbankan Syari’ah di Indonesia. Kudus: STAIN Kudus. Sigiyono. 2013. Metode Penelitia Menejemen. Bandung: Alfabeta. Tim Laskar Pelangi. 2013. Metodologi fiqih Muamalah, Diskursus Metologis Konsep Interaksi Sosial-Ekonom. Lirboyo: Lirboyo Press. Tim Penyusun BMT UGT Sidogiri. 2019. Produk pembiayaan. Www.Bmtugtsidogiri.co.id/list produk. (Diakses pada 31 Maret 2019). Tim Penyusun Diponegoro. 2009. Aplikasi Al Kalam digital. Tim Penyusun. 2008. Kamus bahasa Indonesia. pusat bahasa departemen pendidikan nasional. Jakarta: Pusat Bahasa. Tim Penyusun. 2015. Buku Pedoman Akad Syariah, BMT UGT Sidogiri. Undang-Undang Nomor 23 Tahun 2011 Tentang Pengelolaan Zakat. Undang-undang Republik Indonesia Nomor 21 tahun 2008 tentang Perbakan syariah.
Implementation of the Wadiah Contract in the Practice of the Eid Savings Scheme from the Fathul Qorib Perspective Afida Mariani Kamila; Lely Ana Ferawati Ekaningsih
ICO EDUSHA Vol. 6 No. 1 (2025): Proceedings of International Conference On Islam Educationm Management and Shar
Publisher : STAI AN-NAJAH INDONESIA MANDIRI

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This study aims to analyze the implementation and sharia compliance of the wadiah yad dhamanah contract in the tabungan hari raya (holiday savings) product at uspps blokagung-banyuwangi through a qualitative case study. Using the Kitab Fathul Qorib as the primary normative perspective, data was collected through interviews, observation, and document studies, and then analyzed using the Miles and Huberman interactive model. The findings indicate uncertainty, despite the formal fulfillment of the contract's pillars through the application of wadiah yad al-dhamanah. An in-depth analysis reveals three substantive deviations. First, the customers' low understanding of the nature of the trust (deposit) contract creates gharar (uncertainty) and erodes the principle of ridha (mutual consent) emphasized in Fathul Qorib. Second, the practice of a fixed, promoted "Certainty Bonus" of 5% has transformed the voluntary nature of a hibah (gift) into an expected return, approaching the realm of syubhat riba al-nasi'ah (suspicion of usury related to delay). Third, an inconsistency was found between the legal construct of the wadiah contract and the logic of benefit distribution equated with profit-sharing, creating legal ambiguity (talfiq al-‘uqud). This study concludes that sharia compliance cannot be adequately assessed solely from formal adherence but requires substantive integrity encompassing clarity, transparency, and coherence with classical fiqh principles. Recommendations focus on transparent contract reformulation, comprehensive customer education, and strengthening sharia supervision based on the authority of classical Islamic texts. Keywords: Wadiah yad dhamanah contract, Fathul Qorib, Sharia Compliance.
Building Digital Trust in Sharia Fintech for Hajj Services Adlha, Wafiroh Dwi; Novanti, Dwi Retno; Ekaningsih, Lely Ana Ferawati; Ubaidillah
ICO EDUSHA Vol. 6 No. 1 (2025): Proceedings of International Conference On Islam Educationm Management and Shar
Publisher : STAI AN-NAJAH INDONESIA MANDIRI

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This study analyzes the role and implementation of Islamic fintech in building digital trust and optimizing Hajj administration processes, using the Muamalat Digital Islamic Network (DIN) application as a case study. Employing a qualitative case study approach at Bank Muamalat's Genteng Sub-Branch Office, data was collected through methodological triangulation, including direct observation, in-depth interviews with the manager, funding staff, customer service representatives, and prospective pilgrims, as well as document analysis. Data were analyzed interactively through stages of data reduction, data display, and conclusion drawing. The Muamalat DIN application successfully builds digital trust through the convergence of Sharia principles (the wadīah yad dhamānah contract and oversight by the Sharia Supervisory Board) with technological transparency. The application functions as a driver of financial and spiritual inclusion by eliminating geographical barriers and facilitating the fulfillment of maqashid sharia, particularly hifzh ad-din (preservation of faith). High adoption rates are driven by perceptions of usefulness and ease of use, reinforced by community-based religious outreach strategies. A transformation in service culture is demonstrated through the synergy between the digital interface and the ethical values (akhlaq) embedded in customer service. The primary challenges identified are reliance on uneven internet infrastructure and system overload during peak periods. The implementation of Islamic fintech in Hajj services through Muamalat DIN represents a successful paradigmatic transformation that harmonizes Sharia compliance, inclusive technological innovation, and ethical service. Its success in building digital trust and facilitating worship establishes it as a significant model for developing value-based Islamic financial services in the digital era. Keywords : Sharia Fintech, Hajj Administration, Digital Trust.
Management Strategy for Non-Performing Financing (NPF) at BMT Nusantara Sempu Sub-Branch: The Perspective of Maqasid Syariah Musthofa, Ahmad Bagir; Lely Ana Ferawati Ekaningsih
ICO EDUSHA Vol. 6 No. 1 (2025): Proceedings of International Conference On Islam Educationm Management and Shar
Publisher : STAI AN-NAJAH INDONESIA MANDIRI

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This study aims to analyze risk management strategies for non-performing financing (NPF) at BMT Nusantara Capem Sempu from a maqasid syariah perspective. Employing a qualitative case study approach, data were collected through in-depth interviews and direct observation, and analyzed using SWOT analysis. The findings indicate that NPF arises from internal factors (weaknesses in feasibility analysis and post-disbursement monitoring) and external factors (economic instability among clients in the agricultural and trade sectors). Implemented strategies include preventive measures (strict feasibility analysis, prudential principles, and customer education) and curative actions (financing restructuring, persuasive collection, and collateral execution as a last resort). A key finding is that managerial decisions integrate financial, social, and religious values within the maqasid syariah framework. This integrated approach has proven effective in reducing NPF, enhancing member trust, and ensuring operational sustainability.
Co-Authors Abdul Kholiq Syafa'at Abdul Kholiq Syafa’at Abdul Kholiq Syafa’at Abdul Kholiq Syafa’at Abdul Mujib Adlha, Wafiroh Dwi Afida Mariani Kamila Ahmad Roziq Ahmad Syafi’i Ainna Amalia FN Ainun Safitri Al Fawaz, Ahmad Hadiq Syifa’ Al Musafiri, M. Rizqon Amang Fathurrohman Anyes Lathifatul Insaniyah Asryva, Nabila Fikri Aula Izatul Aini Badriyah, Lutfi Lailatul Barid Nizarudin Wajdi, Muh Bayani, Mufasirul Djumahir Djumahir Eko Budiywono Elvira, Salsa Faiqotul Umi Hanik FN, Ainna Amalia Futhri Izza Afkarina Hadiono, Abdi Fauji Hafid, Ahmad Nur Hafidoturrohmah, Nur Huzali, Ikhsan Imroatul Mutiah Indah Kriswanti Indana Almas Azhar istiqomah istiqomah Joharul Fathoni Khoiriyah, Miratul M. Alaika Nasrulloh M. Amin M. Amin M. Khozin Kharis Mahbub Mahbub Mar’atul Qibtiyah Meilani, Krista Miftahul Huda Mochamad Yahya Ghozali Muhammad Djakfar Muhammad Hasbullah Ridwan Munawir Munawir Muslih, Imam Musthofa, Ahmad Bagir Nawal Ika Susanti, Nawal Ika Novanti, Dwi Retno Nur Anim Jauhariyah Nur Khusniyah Indrawati Nurul Inayah Nurul Inayah Nurul Inayah Risma Eka Riana Rohmah , Faizzahtur Rungkittanasan, Nakorn Sa'adillah S.A.P. , Rangga Septarina Prita Dania S Sharifudin, Khabib Siti Aimah Syafi’i, Ahmad SYAIFUL RIZAL, HASAN Ubaidillah Ubud Salim Wahab, Ikfina Yamaulanan Nuzula Wahyudi Wahyudi Wiwit Mustafidah, Wiwit Yulinartati Yulinartati Yulinartati Yulinartati