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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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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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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.
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.
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.
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