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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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Marketing Strategy Using Swot Analysis in Increasing Sales of Amanah Products: A Case Study On PT. UPS Pawnshop Simpang Lima Banyuwangi Nur Hafidoturrohmah; Lely Ana Ferawati Ekaningsih; Imam Muslih
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 Salsa Elvira; Lely Ana Ferawati Ekaningsih; Imam Muslih
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.
The Influence of Halal Labels, Health Awareness, and Brand Image on the Purchase Decisions of Yakult Functional Beverages Among Female Boarding School Students at the Syafaatul Qur'an Dormitory Siti Mujawarotul Maulidah; Lely Ana Ferawati Ekaningsih
JURNAL AT-TURAS Vol 13, No 2 (2026)
Publisher : Universitas Nurul Jadid

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.33650/at-turas.v13i2.15164

Abstract

This study is motivated by an empirical gap regarding the purchasing behavior of functional beverage products in closed religious communities such as Islamic boarding schools, where most previous studies have focused on the general urban population without considering how collective norms and religious compliance moderate the influence of halal labeling, health consciousness, and brand image. This study aims to analyze the partial and simultaneous effects of halal labeling (X₁), health awareness (X₂), and brand image (X₃) on the purchase decision (Y) of Yakult functional beverages. An associative quantitative design was chosen as it is suitable for testing predictive relationships among variables, not for establishing absolute causality. A sample of 134 female students at the Syafaatul Qur'an Dormitory, Darussalam Blokagung Islamic Boarding School, was selected using simple random sampling. Data were analyzed using multiple linear regression with IBM SPSS version 22. The findings indicate that the halal label (β=0.518; p<0.05) and brand image (β=0.538; p<0.05) have a significant partial effect on purchase decisions, with brand image being the strongest predictor.  Conversely, health awareness had no significant influence (p>0.05), indicating that in an environment with collective religious norms and resource constraints, external assurances (halal certification and brand reputation) are more dominant than individual health motivations. Collectively, the three variables explain 72.5% of the variance in purchase decisions (R² = 0.725; p < 0.05). The contributions of this study include: (a) theoretically, proposing a modification of the Theory of Planned Behavior for a religious-collectivist context emphasizing the dominance of subjective religious norms; (b) practically, providing recommendations for functional beverage producers to prominently display halal certification and develop peer ambassador programs within pesantren environments, as well as for pesantren administrators to facilitate the availability of halal-certified products in cooperatives. Further research is recommended to: (1) test the same model using Structural Equation Modeling (SEM) with a sample from various Islamic boarding schools; (2) include moderating variables such as individual religiosity, monthly income, and peer influence; and (3) compare consumer behavior in Islamic boarding schools with non-boarding school educational institutions to test the generalizability of the findings.
Digital Payment Innovation in Islamic Boarding Schools: Transforming Culture, Efficiency, and Accountability Rois Mahmudi; Ahmad Khotib; Lely Ana Ferawati Eka Ningsih
Ahlussunnah: Journal of Islamic Education Vol. 5 No. 1 (2026): April
Publisher : STIT Ahlussunnah Bukittinggi

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.58485/jie.v5i1.619

Abstract

This study explores digital payment innovation and its role in transforming organizational culture in Islamic boarding schools. Using a qualitative case study approach within an Indonesian Islamic boarding school context, data were collected through in-depth interviews, participant observation, and documentation. Data validity was ensured through triangulation of sources, methods, and observers. The findings reveal that digital payment innovation reshapes administrative interaction patterns, creating a trade-off between increased work efficiency and reduced intensity of direct personal interactions previously inherent in cash-based transactions. At the same time, digitalization strengthens transparency and accountability through the creation of a structured digital audit trail. The implementation of digital fund reporting systems enables real-time monitoring of transactions by students’ guardians, shifting the basis of trust from personal relationships to data-driven accountability. Furthermore, staff roles evolve from manual administrative tasks toward more strategic functions, fostering a more efficient, accountable, and data-driven organizational culture. This study contributes by proposing a technology tradition harmonization model as a strategic framework for cultural transformation in Islamic boarding schools in the digital era.
ANALISIS PERBANDINGAN PENILAIAN KINERJA KEUANGAN PERUSAHAAN TERDAFTAR PADA SAHAM SYARIAH DI JAKARTA ISLAMIC INDEX: (Studi Kasus di PT XL Axiata Tbk dan PT Telkom Indonesia Tbk) Ida Muafikoh; Lely Ana Ferawati Ekaningsih
Jurnal Ekonomi Syariah Darussalam Vol. 6 No. 1 (2025): Februari 2025
Publisher : Universitas KH. Mukhtar Syafaat

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.30739/jesdar.v6i1.5196

Abstract

This study aims to analyze the assessment of the financial performance of PT XL Axiata Tbk and PT Telkom Indonesia Tbk as well as knowing and analyzing the differences in the financial performance of the two companies using liquidity ratios, solvency ratios, and profitability ratios. This type of research is a quantitative, the method used is comparative in nature, which means comparing the levels of liquidity, solvency, and profitability on the financial performance of PT XL Axiata Tbk and PT Telkom Indonesia Tbk. Research Results 1) The assessment of PT XL Axiata Tbk's financial performance seen from the liquidity ratio is not good, while in terms of solvency it is very good, and in terms of profitability is not good. 2) The evaluation of PT Telkom Indonesia Tbk's financial performance is seen from a good liquidity ratio, while from the point of view of solvency it is very good, and in terms of profitability it is quite good. 3) There is a difference in the assessment of the financial performance of PT XL Axiata Tbk and PT Telkom Indonesia Tbk, where PT Telkom Indonesia Tbk is better than PT XL Axiata Tbk. This means that PT Telkom Indonesia Tbk has the ability to pay off short-term obligations and be able to pay off debts that are due on time.
P PENGARUH DIGITALISASI LAYANAN TERHADAP MINAT GENERASI MILENIAL DALAM ISLAMIC SOCIAL FINANCE PADA LEMBAGA WAKAF SIDOGIRI: Abstrak, pendahuluan, bahan dan metode, hasil, diskusi dan pembahasan, kesimpulan dan saran referensi Lely Ana Ferawati Ekaningsih
Tasharruf : Journal of Islamic Economics and Business Vol. 7 No. 2 (2026): Tasharruf : Journal of Islamic Economics and Business (November) Inpress
Publisher : Universitas Nahdlatul Ulama Pasuruan, Indonesia

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Abstract

This study aims to analyze the influence of service digitalization on the interest of the millennial generation in participating in Islamic social finance, especially waqf, at the Sidogiri Waqf Institution (L-KAF), considering that the national waqf literacy rate is still relatively low and the millennial generation, who are very familiar with digital technology, is a strategic segment for the sustainability of waqf collection. The method used is a quantitative approach with a survey design of 110 millennial respondents who are waqf or prospective waqf in the Pasuruan area and its surroundings, with multiple linear regression analysis techniques using four independent variables: ease of use, perceived usefulness, trust in digital platforms, and digital waqf literacy. The results show that these four variables have a positive and significant effect on the interest of the millennial generation in waqf through the L-KAF Sidogiri digital channel, with perceived usefulness as the most dominant variable, and the research model is able to explain 51.2 percent of the variation in waqf interest. The practical implications of this research are the need for L-KAF Sidogiri to strengthen its digital transaction convenience features and social media-based waqf literacy education campaigns, while the theoretical implications enrich the application of the Technology Acceptance Model (TAM) in the context of Islamic philanthropy based on Islamic boarding schools. The originality of this research lies in the combination of digital platform trust and digital waqf literacy variables specifically in a case study of Islamic boarding school waqf institutions that have not been widely studied before.
Cross-Selling Sharia Gold Savings: A Hedging Strategy for Hajj Financial Risk Mitigation Iska Nur Mawarda Mawarda; Lely Ana Ferawati Ekaningsih; Wiwit Mustafidah
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; Lely Ana Ferawati Ekaningsih 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.
Building Digital Trust in Sharia Fintech for Hajj Services Wafiroh Dwi Adlha; Dwi Retno Novanti; Lely Ana Ferawati Ekaningsih; 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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Abstract

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.
Co-Authors Abdul Kholiq Syafa&#039;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