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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 AT-TURAS: Jurnal Studi Keislaman Iqtishoduna: Jurnal Ekonomi Islam LOYALITAS: Jurnal Pengabdian Kepada Masyarakat Proceedings of Annual Conference for Muslim Scholars JES (Jurnal Ekonomi Syariah 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 Ahlussunnah: Journal of Islamic Education Engagement: Jurnal Pengabdian Kepada Masyarakat Proceeding of International Conference on Humanity Education and Society Management Analysis Journal Proceeding Of International Conference On Education, Society And Humanity At-Tahdzib: Jurnal Studi Islam dan Muamalah Tasharruf : Journal of Islamic Economics and Business VRISPRAAK, International Journal of Law LAN TABUR: JURNAL EKONOMI SYARIAH Jurnal Ekonomi, Manajemen, Ilmu Sosial dan Politik
Lely Ana Ferawati Ekaningsih
Universitas KH. Mukhtar Syafaat Blokagung Banyuwangi, Indonesia
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 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.
Membina Harmoni Global Melalui Filantropi Berbasis Komunitas Mustafidah, Wiwit; Ekaningsih, Lely Ana Ferawati; Aini, Aula Izatul; Azhar, Indana Almas
Proceedings of Annual Conference for Muslim Scholars Vol 9 No 1 (2025): AnCoMS, Oktober 2025
Publisher : Koordinatorat Perguruan Tinggi Keagamaan Islam Swasta Wilayah IV Surabaya

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.36835/ancoms.v9i1.743

Abstract

Amidst global challenges, local wisdom offers authentic solutions for fostering harmony. This study aims to analyze the impact of the Omplong LAZISNU Program on the formation and strengthening of attitudes of love and tolerance within the community. Qualitative methods were used to collect data through interviews, observation, and documentation. Data analysis utilized an interactive model. The results indicate that the participatory and inclusive nature of the Omplong program can strengthen social bonds (ukhuwah) and foster empathy. Direct involvement in the giving process fosters a sense of ownership and humanity. In terms of tolerance, this program has proven effective in reducing prejudice because aid distribution implements the principle of rahmatan lil 'alamin. The conclusion is that community-based philanthropy is not merely an economic instrument for poverty alleviation but also a powerful social capital for fostering harmony. This model represents local wisdom that contributes to building the foundation of love and tolerant.
Digital Gold Installment Innovation at Bank Muamalat: Sharia Compliance and Digital Accessibility Adlha, Wafiroh Dwi; Ekaningsih, Lely Ana Ferawati
Dinasti International Journal of Economics, Finance & Accounting Vol. 7 No. 2 (2026): Dinasti International Journal of Economics, Finance & Accounting (May-June 2026
Publisher : Dinasti Publisher

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.38035/dijefa.v7i2.6722

Abstract

This study analyzes the innovation of the digital gold installment product Solusi Emas Hijrah (SOLEH) at Bank Muamalat, focusing on sharia compliance and accessibility. The background highlights the rapid growth of Islamic fintech in Indonesia alongside persistent public doubts about the permissibility of digital gold installment transactions and weaknesses in the implementation of the Rahn contract. The objective is to understand how digital innovation is integrated, how sharia compliance is executed, and how accessibility is perceived by customers. A qualitative case study approach was employed at Bank Muamalat’s Genteng sub branch in Banyuwangi. Data were collected through in depth interviews with the branch manager, funding officer, and two customers, supported by observation and documentary studies. The findings reveal that the product successfully integrates digital convenience through the Muamalat DIN application with the security of physical gold ownership using Murabahah and Rahn contracts, offering high financing limits up to 500 grams and a tenor of 10 years. Sharia compliance is implemented through rigorous verification, customer education, and price transparency. However, the Rahn contract still shows weaknesses in asset ownership clarity. Accessibility encompasses three interrelated dimensions: digital, economic (installment affordability is more valued by customers), and cognitive (low public understanding remains the greatest challenge). The study concludes that the success of Islamic fintech depends not merely on technological innovation but on tangible sharia compliance and addressing fundamental financial needs.
Implementation of Islamic Service Excellence in Savings Pick Up Service in Baitul Mal Wa Tamwil Miratul Khoiriyah; Lely Ana Ferawati Ekaningsih
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.
Co-Authors Abdul Kholiq Syafa'at 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 Bagir Musthofa Ahmad Khotib Ahmad Munib Syafa’at Ahmad Roziq Ahmad Syafi’i Aini, Aula Izatul Ainna Amalia FN Ainun Safitri Al Fawaz, Ahmad Hadiq Syifa’ Al Musafiri, M. Rizqon Amang Fathurrohman Ani Faujiah Anyes Lathifatul Insaniyah Asryva, Nabila Fikri Badriyah, Lutfi Lailatul Barid Nizarudin Wajdi, Muh Bayani, Mufasirul Dawimatus Sholihah Djumahir Djumahir Dwi Retno Novanti Eko Budiywono Faiqotul Umi Hanik FN, Ainna Amalia Futhri Izza Afkarina galuh prabowo Hadiono, Abdi Fauji Hafid, Ahmad Nur Hainnuraqma Rahim Huzali, Ikhsan Ida Muafikoh Imam Muslih Imam Muslih Imroatul Mutiah Indah Kriswanti Indana Almas Azhar Iska Nur Mawarda Mawarda istiqomah istiqomah Joharul Fathoni Kristanto Kristanto Lutfi Lailatul Badriyah M. Alaika Nasrulloh M. Amin M. Amin M. Khozin Kharis Mahbub Mahbub Mahmudah Mar’atul Qibtiyah Meilani, Krista Miftahul Huda Milatun Nafiah Miratul Khoiriyah Mochamad Yahya Ghozali Muhammad Djakfar Munawir Munawir Nawal Ika Susanti, Nawal Ika Niswatun Nangimah Nur Anim Jauhariyah Nur Anim Jauhariyah Nur Hafidoturrohmah Nur Khusniyah Indrawati Nurin Qurrotul Aini Nurin Nurul Inayah Nurul Inayah Nurul Inayah Nurul Inayah Ridwan, Muhammad Hasbullah Risma Eka Riana Rizqa Diva Audina Rohmah , Faizzahtur Rois Mahmudi Rungkittanasan, Nakorn Sa'adillah S.A.P. , Rangga Salma Sabrina Salsa Elvira Septarina Prita Dania S Sharifudin, Khabib Siti Aimah Siti Mujawarotul Maulidah Syafi’i, Ahmad SYAIFUL RIZAL, HASAN Ubaidillah Ubud Salim Wafiroh Dwi Adlha Wahab, Ikfina Yamaulanan Nuzula Wahyudi Wahyudi Wiwit Mustafidah Wiwit Mustafidah, Wiwit Yulinartati Yulinartati Yulinartati Yulinartati