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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 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 Management Analysis Journal 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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Abstract

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.
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.
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.
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.
Co-Authors Abdul Kholiq Syafa&#039;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 Faiqotul Umi Hanik FN, Ainna Amalia Futhri Izza Afkarina galuh prabowo Hadiono, Abdi Fauji Hafid, Ahmad Nur Huzali, Ikhsan Imam Muslih Imam Muslih Imroatul Mutiah Indah Kriswanti Indana Almas Azhar istiqomah istiqomah Joharul Fathoni Kristanto Kristanto M. Alaika Nasrulloh M. Amin M. Amin M. Khozin Kharis Mahbub Mahbub Mar’atul Qibtiyah Mawarda, Iska Nur Mawarda Meilani, Krista Miftahul Huda Miratul Khoiriyah Mochamad Yahya Ghozali Muhammad Djakfar Muhammad Hasbullah Ridwan Munawir Munawir Musthofa, Ahmad Bagir Nawal Ika Susanti, Nawal Ika Novanti, Dwi Retno Nur Anim Jauhariyah Nur Hafidoturrohmah Nur Khusniyah Indrawati Nurul Inayah Nurul Inayah Nurul Inayah Risma Eka Riana Rohmah , Faizzahtur Rungkittanasan, Nakorn Sa'adillah S.A.P. , Rangga Salsa Elvira Septarina Prita Dania S Sharifudin, Khabib Siti Aimah Siti Mujawarotul Maulidah Syafi’i, Ahmad SYAIFUL RIZAL, HASAN Ubaidillah Ubud Salim Wahab, Ikfina Yamaulanan Nuzula Wahyudi Wahyudi Wiwit Mustafidah, Wiwit Yulinartati Yulinartati Yulinartati Yulinartati