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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

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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 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 an Integrated Approach in Budget Planning for Resource Optimization in Organization Galuh Prabowo; Lely Ana Ferawati Ekanigsih
Management Analysis Journal Vol. 14 No. 1 (2025): Management Analysis Journal
Publisher : Universitas Negeri Semarang

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.15294/maj.v14i1.21648

Abstract

This study aims to explore the application of an integrated approach in budget planning to optimize educational resources in the Muadalah Wustho Blokagung Banyuwangi Education Unit. With this approach, the research seeks to improve the efficiency of fund allocation, stakeholder involvement, and transparency and accountability of financial management. This research uses a qualitative approach with a case study method to deeply understand budget planning and management of educational resources in the Muadalah Wustho Education Unit. Data were collected through in-depth interviews, participatory observation and document analysis to gain comprehensive perspectives from various stakeholders. Data analysis was conducted descriptively, researchers identified patterns and developed practical recommendations relevant to the optimization of budget management in this educational institution. The results of this study indicate that an integrated approach to budget planning in the Muadalah Wustho Education Unit is effective in achieving efficient, adaptive and appropriate fund management. This approach is supported by transparency, accountability, and the utilization of technology that enables real-time budget monitoring, thereby increasing stakeholder trust and supporting better quality education.
Cross-Selling Sharia Gold Savings: A Hedging Strategy for Hajj Financial Risk Mitigation Mawarda, Iska Nur Mawarda; Ekaningsih , Lely Ana Ferawati; Mustafidah, Wiwit
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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Abstract

This research analyzes the cross-selling strategy of gold savings to strengthen the financing guarantee for Hajj Pilgrimage Organizing Fees (BPIH) for customers at Bank Syariah Indonesia KCP Banyuwangi Rogojampi. Utilizing a qualitative Case Study approach involving interviews, observation, document analysis, and SWOT analysis, the findings reveal that the main strengths lie in the bank's reputation, the transparency of the murabahah contract, and support from the BYOND digital platform. Weaknesses include limitations in employee training/human resources and the absence of standardized educational SOPs. Opportunities arise from payroll customer segments and digitalization trends, while threats encompass market competition and gold price volatility. The analysis results in the formulation of SO (digital enhancement and collaboration), WO (training and SOP development), ST (reputation-based education), and WT (sharia financial literacy campaign) strategies. It is concluded that the cross-selling strategy for gold savings is effective as a hedging instrument against BPIH increases, with recommendations to strengthen education, human resources, and service digitalization.
Health Analysis Based on the Technical Guideline of the Cooperative Deputy No. 15 of 2021 Kristanto, Kristanto; Ekaningsih, 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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Abstract

This study aims to analyze the health level of Koperasi AUSATH Blokagung, Tegalsari, Banyuwangi. Employing a quantitative explanatory approach, the research focuses on four key dimensions: governance, risk profile, financial performance, and capital structure. The dataset consists of primary data obtained through interviews and secondary data derived from the cooperative’s 2024 financial statements. Data collection techniques include observation, interviews, and documentation, while the analysis follows the Technical Guidelines of the Deputy for Cooperatives No. 15 of 2021 concerning the Cooperative Health Examination Worksheet (KKPKK). The findings across the four dimensions indicate that the cooperative is in a healthy condition. The management system operates effectively with sound governance and regulatory compliance, supported by strong liquidity, stable financial performance, optimal profitability, and efficient operations. The capital structure is also robust, providing a solid financial and managerial foundation for sustainable growth. Overall, Koperasi AUSATH meets the cooperative health standards stipulated in the Deputy’s Technical Guidelines and demonstrates its capacity to function as a financial intermediary within the community. Furthermore, this compliance reflects alignment with Islamic principles, as emphasized in the Qur’an: Surah Al-Baqarah verse 2 on the prohibition of usury (riba), Surah Al-Maidah verse 2 on mutual assistance in goodness, and Surah Sad verse 24 on cooperation and solidarity Keywords : Risk Profile, Governance, Health, Cooperatives, and Financial Performance
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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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.