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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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Legal and Social Implications of Underage Marriage in the Context of Islam and Legislation Ekaningsih, Lely Ana Ferawati
VRISPRAAK : International Journal of Law Vol. 8 No. 1 (2024): March 2024
Publisher : STAI Miftahul Ula Nganjuk

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.59689/vris.v8i1.1164

Abstract

Marriage is a social institution that aims to form a harmonious and prosperous family. However, in several regions in Indonesia, the practice of underage marriage is still rampant even though there are regulations governing the minimum age of marriage, such as in Marriage Law No. 1 of 1974. This study aims to examine the factors behind the practice of underage marriage, its implications for domestic life, and how Islamic law and Indonesian positive law view this phenomenon. The results show that economic factors, culture, promiscuity, and lack of understanding of the law are the main causes of underage marriage. This practice often has a negative impact on children's health, education and welfare, and increases the risk of divorce. Therefore, it is necessary to strengthen regulations, increase public awareness, and interventions from various parties to reduce the number of underage marriages.
Analisis Kesehatan Bank Syariah Indonesia (BSi) Tahun 2023 Menggunakan Metode Risk Based Bank Rating (RBBR) Wahab, Ikfina Yamaulanan Nuzula; Safitri, Ainun; Ekaningsih, Lelyana Ferawati
Jurnal Ekonomi, Manajemen, Ilmu Sosial dan Politik Vol. 2 No. 1 (2025): Jurnal Ekonomi, Manajemen, Ilmu Sosial dan Politik
Publisher : CV. Dalle’ Deceng Abeeayla

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.69623/j-emspol.v2i1.28

Abstract

This study aims to analyze the financial health of Bank Syariah Indonesia (BSI) in 2023 using the RBBR (Risk Based Bank Rating) method. Secondary data from BSI's annual financial reports were used in this research. The analysis results show that BSI has an excellent risk profile with a Non-Performing Financing (NPF) of 0.55% and a Financing to Deposit Ratio (FDR) of 81.73%. The implementation of corporate governance is also rated as sound. BSI's earnings performance is very good, with a Return on Assets (ROA) of 2.35%, a Return on Equity (ROE) of 16.88%, and a Net Operating. Margin (NOM) of 2.58%. Additionally, BSI's capital adequacy is very high, with a Capital Adequacy Ratio (CAR) of 21.04%. The conclusion of this study is that BSI showed excellent performance in 2023, reflecting effective risk management, good corporate governance, high earning ability, and adequate capital sufficiency. The implication of this research indicates that BSI has a strong position in the Islamic banking industry and is well-prepared to face future challenges. It is recommended for future research to conduct long-term analysis and consider external factors affecting the bank's performance
Confirmatory Factor Analysis (CFA) Method in Factor Analysis at BMT NU Cluring Banyuwangi Branch Badriyah, Lutfi Lailatul; Ekaningsih, Lely Ana Ferawati
Dinasti International Journal of Economics, Finance & Accounting Vol. 6 No. 4 (2025): Dinasti International Journal of Economics, Finance & Accounting (September - O
Publisher : Dinasti Publisher

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.38035/dijefa.v6i4.5046

Abstract

This study aims to analyze the factors that influence the interest of partners in saving at BMT NU Cluring Branch using the Confirmatory Factor Analysis (CFA) method. The type of quantitative research with an ex-post-facto approach, sampling using probability sampling with Simple Random Sampling approach, involving 68 respondents. The results of the analysis show that service factors (X1), trust (X2), location (X3), religiosity (X4), and products (X5) have a significant influence on interest in saving (Y). Quality and fast service factors (X1), high level of trust in BMT NU (X2), strategic location (X3), strong community support (X4), and efficient and attractive products (X5) have been proven to increase partner interest. In addition, high transactional interest is a dominant indicator in showing the strong desire of customers to manage their finances. Overall, the results of this study confirm that the indicators in the independent variables consistently influence the savings interest of partners at BMT NU Cluring Branch, which is reflected in the CFA results.
IMPLEMENTATION FINANCING AT THE MUKTAR SYAFAAT MIDDLE SCHOOL Hafid, Ahmad Nur; Ekaningsih, Lely Ana Ferawati
PROCEEDING OF INTERNATIONAL CONFERENCE ON EDUCATION, SOCIETY AND HUMANITY Vol 2, No 2 (2024): Third International Conference on Education, Society and Humanity
Publisher : PROCEEDING OF INTERNATIONAL CONFERENCE ON EDUCATION, SOCIETY AND HUMANITY

Show Abstract | Download Original | Original Source | Check in Google Scholar

Abstract

Effective and efficient financial management is an important element in supporting the continuity and quality of education, especially in Islamic boarding school-based schools such as MTs Muktar Syafaat . This research aims to analyze the priority-based financing planning approach applied at MTs Muktar Syafaat in managing two main sources of funding: sharia payments and school operational assistance (BOS). This research uses descriptive qualitative methods with data collection techniques through in-depth interviews, observation and document study. The research focus includes identifying primary and secondary needs as well as funding allocation mechanisms based on priorities. The research results Operational funding at MTs Muktar Syafaat relies on two main sources: sharia payments and School Operational Assistance (BOS). Sharia payments, in the form of mandatory student contributions, are the main foundation of madrasah financing, used for teacher salaries, teaching materials, and facility maintenance. These funds are also managed by foundations to support other units, such as Islamic boarding schools and mosques. However, this system is vulnerable to fluctuations in revenue, especially during economic instability, such as crises or pandemics. Dependence on the economic capacity of the guardians of students poses a challenge, although the foundation provides payment flexibility.  
Implementation of Islamic Service Excellence in Savings Pick Up Service in Baitul Mal Wa Tamwil Khoiriyah, Miratul; Ekaningsih, Lely Ana Ferawati
Electronic Journal of Education, Social Economics and Technology Vol 6, No 1 (2025)
Publisher : SAINTIS Publishing

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.33122/ejeset.v6i1.166

Abstract

The implementation of Islamic Service Excellence (ISE) in savings pick-up services in Baitul Mal wa tam wil (BMT) is very important to improve service quality and customer satisfaction. This service allows customers to make deposits without having to visit the office, providing better accessibility. BMT prioritizes sharia principles, including the A6 principle: Accountability, Trust, Fairness, Adaptive, and Affirmation. This article discusses the main components of implementing Islamic Servic Excellence, such as employee training, technology utilization, personal approach, and customer engagement. Through this strategy, BMT focuses on operational efficiency and building strong relationships with customers. The implementation of Islamic service excellent (ISE) is expected to create a superior service experience, strengthen trust, and improve BMT's reputation as a professional Islamic financial institution. This study emphasizes the importance of integrating sharia values in savings pick-up services to support community economic growth.
Marketing Strategy Using Swot Analysis in Increasing Sales of Amanah Products: A Case Study On PT. UPS Pawnshop Simpang Lima Banyuwangi Hafidoturrohmah, Nur; Ekaningsih, Lely Ana Ferawati; Muslih, Imam
Electronic Journal of Education, Social Economics and Technology Vol 6, No 1 (2025)
Publisher : SAINTIS Publishing

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.33122/ejeset.v6i1.285

Abstract

This study aims to analyze the marketing strategy of Amanah products of PT. UPS Simpang Lima Banyuwangi Pawnshop uses SWOT analysis. As one of the company's main products, Amanah offers vehicle financing for micro-entrepreneurs, employees, and professionals with low administration fees and fixed installments. Despite these advantages, Amanah market performance faces challenges from the lack of public awareness and competition from other financial institutions that offer similar products. Through qualitative descriptive research, this study identifies the main strengths, weaknesses, opportunities, and threats of Amanah Products. The results of the study show that Amanah benefits from the reputation of PT. Pegadaian, an extensive branch network, and flexibility in financing, while also highlighting areas of improvement such as digital promotions and more competitive down payment requirements. This SWOT analysis provides strategies to strengthen product awareness, adjust to customer needs, and expand the customer base.
Analysis of the Musyarokah Mutanaqisoh Contract in the Book of Fathul Qorib on BSI Kc Banyuwangi Basuki Rahmat Online Mitraguna Financing Products Elvira, Salsa; Ekaningsih, Lely Ana Ferawati; Muslih, Imam
Electronic Journal of Education, Social Economics and Technology Vol 6, No 1 (2025)
Publisher : SAINTIS Publishing

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.33122/ejeset.v6i1.345

Abstract

The purpose of this study is to analyze the musyarokah mutanaqisoh contract in the book of fathul qorib in mitraguna financing implemented by Bank Syariah Indonesia (BSI) KC Banyuwangi Basuki Rahmat. Mitraguna Financing products use the Mutanaqisoh musyarokah contract, where mitraguna financing is a financing service that can be used for a variety of needs (multipurpose) that are halal, with a source of payment from salary income/permanent employee income (payroll through BSI). The research method used is qualitative descriptive, with data collection techniques through interviews, observations, and documentation studies. The results of the study show that BSI's online mitraguna financing makes it easy for customers to have access because it is available in the mobile banking application owned by BSI. This product offers multipurpose financing by not using collateral against assets owned by customers. The implication of this research is the importance of educating customers regarding the advantages and procedures of online mitraguna financing through the BSI mobile banking application. This research also suggests BSI to be more active in educating customers about this product so that they can understand online mitraguna financing easily.
Implementation of Education Financing Management at SMA Darussalam Blokagung Banyuwangi Huzali, Ikhsan; Al Fawaz, Ahmad Hadiq Syifa’; Ekaningsih, Lely Ana Ferwati; Rungkittanasan, Nakorn
Electronic Journal of Education, Social Economics and Technology Vol 5, No 2 (2024)
Publisher : SAINTIS Publishing

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.33122/ejeset.v5i2.158

Abstract

Successful educational institutions cannot be separated from the support of adequate education costs, because in essence the quality of education will be directly proportional to the amount of education costs incurred, the higher and more expensive the education costs used and incurred, the better the educational services will be and able to produce quality graduates with high learning outcomes. It seems that it will be difficult to realize a good quality of education if it is not supported by sufficient education costs for operations. The results of the research on the implementation of education financing management at SMA Darussalam Blokagung Banyuwangi. This research uses a qualitative approach. Data collection techniques through observation, interviews and document studies. The results of the study show that education financing management in the school is implemented in the scope, including: (1) Implementation of the Preparation of the School Expenditure Budget Plan (RAPBS), (2) Implementation of financial management, (3) Evaluation of financial management.
Education Financing Management Strategy in Improving Facilities and Infrastructure at SMP Nu Al Islami Pesanggaran Sharifudin, Khabib; Ekaningsih, Lely Ana Ferawati
Electronic Journal of Education, Social Economics and Technology Vol 5, No 2 (2024)
Publisher : SAINTIS Publishing

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.33122/ejeset.v5i2.347

Abstract

This study aims to formulate an effective and efficient education financing management strategy in improving the quality of facilities and infrastructure at SMP NU Al Islami Pesanggaran. With a qualitative approach and descriptive design, this study explores the social, cultural, and economic conditions of schools through in-depth interviews, participatory observations, and documentation studies. The data were analyzed using the thematic analysis method with triangulation to ensure the credibility of the results. Research at SMP NU Al Islami Pesanggaran highlights three important aspects in education management 1. The strategic role of the school committee as a mediator to increase community participation. 2. Suboptimal financial management due to lack of planning and technology. 3. As well as partnerships with external parties that have not been utilized to the fullest. Strengthening communication and management capacity is needed to optimize the role of school committees. Financial management solutions include training and implementation of modern systems. External partnerships can be strengthened with better communication strategies.
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

Show Abstract | Download Original | Original Source | Check in Google Scholar

Abstract

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.
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