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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
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Management Strategy for Non-Performing Financing (NPF) at BMT Nusantara Sempu Sub-Branch: The Perspective of Maqasid Syariah Ahmad Bagir Musthofa; 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.
Confirmatory Factor Analysis (CFA) Method in Factor Analysis at BMT NU Cluring Banyuwangi Branch Lutfi Lailatul Badriyah; Lely Ana Ferawati Ekaningsih
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.
Analisis Tingkat Kesehatan Keuangan Pt. Asuransi Takaful Keluarga Berdasarkan Metode Risk-Based Capital (Rbc) Dan Early Warning System (Ews) Periode 2025 Milatun Nafiah; Lely Ana Ferawati Ekaningsih
JPSDa: Jurnal Perbankan Syariah Darussalam Vol. 6 No. 2 (2026): Juli 2026
Publisher : Institut Agama Islam Darussalam Blokagung Banyuwangi

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.30739/jpsda.v6i2.5314

Abstract

This study aims to analyze the financial health of PT Asuransi Takaful Keluarga for the 2025 period. The research novelty lies in integrating Risk-Based Capital (RBC) and Early Warning System (EWS) methods to comprehensively capture the solvency and operational performance of Islamic insurance. Using a descriptive-quantitative approach, secondary data from audited 2025 financial statements were analyzed based on OJK Regulation No. 71/POJK.05/2016. The findings indicate a highly healthy financial condition; RBC ratios for both Tabarru' and Corporate Funds are well above the regulatory minimum, supported by liquid and productive EWS indicators. However, over-capitalization is identified in the Corporate Fund due to conservative governance, and the Tabarru' Fund claim ratio approaches the ideal threshold. This study implies that the industry should optimize capital allocation and mitigate underwriting deficits, while providing regulators a reference to refine risk-based supervisory parameters in Islamic insurance.
KEBIJAKAN SERTIFIKASI HALAL PRODUK UNGGULAN PARIWISATA BANYUWANGI Nur Anim Jauhariyah; Ahmad Munib Syafa’at; Mahmudah; Lely Ana Ferawati Ekaningsih; Salma Sabrina
International Conference on Humanity Education and Society (ICHES) Vol. 5 No. 1 (2026): The 5th International Conference on Humanity Education and Society (ICHES)
Publisher : FORPIM PTKIS ZONA TAPAL KUDA

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Abstract

Pertumbuhan sektor pariwisata dan usaha mikro kecil menengah (UMKM) di Kabupaten Banyuwangi menuntut adanya jaminan kehalalan produk dan layanan guna memenuhi kebutuhan wisatawan muslim serta meningkatkan daya saing daerah. Penelitian ini bertujuan merumuskan kebijakan sertifikasi halal Produk Unggulan Pariwisata Banyuwangi. Penelitian menggunakan pendekatan kualitatif deskriptif melalui observasi, dan studi dokumentasi terhadap jumlah kunjungan wisatawan, pengelola destinasi wisata, kebijakan halal pada pemerintah daerah. Analisis menggunakan model analisis interaktif Miles dan Huberman. Hasil penelitian menunjukkan bahwa sertifikasi halal berperan penting dalam meningkatkan kepercayaan konsumen, legalitas usaha, standarisasi proses produksi, serta citra Banyuwangi sebagai destinasi ramah muslim. Program ini juga mendorong peningkatan kualitas manajemen usaha dan akses pasar yang lebih luas. Namun, tantangan masih dihadapi berupa rendahnya literasi halal, keterbatasan biaya sertifikasi, dan koordinasi antar pemangku kepentingan. Oleh karena itu, diperlukan pendampingan berkelanjutan dan sinergi kebijakan untuk mewujudkan sistem sertifikasi halal yang inklusif dan berkelanjutan.
Transformasi Digital Dan Ketahanan Perbankan Syariah: Studi Kasus Penilaian Tingkat Kesehatan Bank Muamalat Nurin Qurrotul Aini Nurin; Lely Ana Ferawati Ekaningsih
JPSDa: Jurnal Perbankan Syariah Darussalam Vol. 6 No. 2 (2026): Juli 2026
Publisher : Institut Agama Islam Darussalam Blokagung Banyuwangi

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.30739/jpsda.v6i2.5298

Abstract

This study aims to analyze the soundness level of PT Bank Muamalat Indonesia Tbk. in 2025 using the Risk-Based Bank Rating (RBBR) method with the RGEC approach (Risk Profile, Good Corporate Governance, Earnings, Capital) and to identify the factors driving the disparity between capital strength and profitability. A quantitative descriptive method with a single case study design was employed. Data were sourced from 2025 audited financial reports and analyzed through NPF, FDR, ROA, BOPO, and CAR ratios, complemented by a qualitative GCG score review in accordance with SEOJK No. 6/SEOJK.03/2015. Findings reveal that Bank Muamalat achieved a Composite Rating of 2 (PK-2), classified as "Healthy". While the risk profile (NPF 2.34%, FDR 82%) and capital (CAR 26.37%) were exceptionally robust, profitability remained a critical concern with ROA at 0.3% and BOPO at 105%, indicating structural operational inefficiency. The study concludes that an "overcapitalization" phenomenon exists, where excessive capital strength has not translated into earnings efficiency, reflecting a potential agency problem. Practical recommendations include accelerating digitalization to reduce BOPO and optimizing capital allocation toward productive financing, such as the "Solusi Emas Hijrah" product, to enhance profitability aligned with maqasid shariah principles.
Menjaga Stabilitas di Tengah Ekspansi: Analisis Tingkat Kesehatan PT Bank Mega Syariah dengan Metode RGEC Rizqa Diva Audina; Lely Ana Ferawati Ekaningsih
JES (Jurnal Ekonomi Syariah) Vol. 11 No. 2 (2026): September
Publisher : Universitas Islam Lamongan

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Abstract

: This study aims to analyze the soundness level of PT Bank Mega Syariah Tbk during the fiscal years 2024 to 2025 employing the RGEC method, encompassing Risk Profile, Good Corporate Governance, Earnings, and Capital. The soundness of Islamic banking constitutes a critical issue given the industry's sustained growth amidst increasingly complex economic challenges. This research addresses the analytical void concerning the bank's health assessment for 2025, which remains unexplored in prior studies, while simultaneously updating previous findings through newly published audited financial statements. The study adopts a descriptive quantitative approach utilizing secondary data derived from the audited annual financial reports for the 2024-2025 period. The analytical procedure involves computing financial ratios across each RGEC component, subsequently comparing the results against the composite rating criteria established by the financial services authority. The findings reveal that Bank Mega Syariah attained Composite Rating 1 with a very healthy predicate in 2024, subsequently shifting to Composite Rating 2 with a healthy predicate in 2025. This transitional shift is attributable to the increase in the Financing to Deposit Ratio exceeding the upper threshold of the very healthy category, while other indicators consistently maintained their ratings. This study confirms that the financial fundamentals of Bank Mega Syariah remain robust and resilient amidst the ongoing financing expansion strategy.
Strategi Pemasaran Produk Simpanan Hari Raya Melalui Pendekatan STP Dan SWOT Niswatun Nangimah; Lely Ana Ferawati Ekaningsih; Nurul Inayah
JES (Jurnal Ekonomi Syariah) Vol. 11 No. 2 (2026): September
Publisher : Universitas Islam Lamongan

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Abstract

This study aims to examine the marketing strategy of the Simpanan Hari Raya product at BMT Al-Yaman Sambimulyo Branch using the Segmenting, Targeting, Positioning (STP) and SWOT frameworks. A qualitative case study approach was employed, with data collected through interviews, observations, and documentation. The findings indicate that the product is marketed through personal selling, door-to-door services, service excellence, and social media. The STP analysis reveals that market segmentation encompasses geographic, demographic, psychographic, and behavioral characteristics, with the primary targets being BMT members, market traders, micro, small, medium-sized enterprises, and housewives. The product is positioned as a secure, accessible, and beneficial Islamic savings product based on the wadiah yad dhamanah contract, flexible deposits, no administrative fees, and parcel incentives. The SWOT analysis places BMT Al-Yaman in a strategic position that favors an aggressive strategy by leveraging internal strengths to capitalize on external opportunities. Key strategic priorities include strengthening service quality and product differentiation, expanding digital and community-based promotion, enhancing customer education, and developing employees’ digital marketing competencies. Integrating personalized and digital marketing approaches is therefore essential to expanding market reach, strengthening customer trust, and sustaining member loyalty.
Negotiating Power and Islamic Ethics in Osing Ethno-Economics: A Critical Analysis of Social Wisdom and Asymmetric Relations Lely Ana Ferawati Ekaningsih; Abdul Kholiq Syafa’at; Hainnuraqma Rahim; Ani Faujiah; Dawimatus Sholihah
Lan Tabur: JURNAL EKONOMI SYARIAH Vol. 8 No. 1 (2026): September
Publisher : LAN TABUR: Jurnal Ekonomi Syariah The Islamic University of KH. Achmad Muzakki Syah Jember, East Java. Jember Jln. Manggar Gebang Poreng 139A Patrang Jember Jawa Timur

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.53515/lt.v8i1.268

Abstract

Introduction: hrough this research, the researchers plan to critically examine how power is distributed and whether there is a possibility of exploitation from within the ethnic-economic system in Banyuwangi Osing village community, where Islam and local wisdom interact very much. However, the past works have mainly gloriated local wisdom as if there is no structural injustice embedded in it. Methods: Employing an ethnographic design in the Glagah and Licin Districts, this research involved 28 key informants (customary leaders, women, farmers, philanthropic managers, and government officials) through snowball sampling. Data from triangulated in-depth interviews, participant observation, and FGDs were systematically analysed using Braun and Clarke's six-phase thematic analysis. Results: Interpretations via Maqasid al-Shari'ah show that the inclusion of Islamic ethics (direct zakat, the concept of "Apik/Becik", food barns, and paron) on one hand lowers transaction costs but on the other hand continues the unequal power structure. The three main elements (local production, kinship institutions, and kyai-customary leadership) are controlled predominantly by landowners and local elite. Disadvantaged groups (e.g. farm laborers, widows, persons with disabilities) as well as women are subject to structural subordination and social exclusion as a result of the dominant patriarchical hegemony. Conclusion and suggestion: The Osing ethno-economic system possesses robust community-based food resilience, yet its distributive justice is impeded by the dependency of vulnerable groups upon elites. This study concludes by emphasising the necessity of deconstructing asymmetric power relations and strengthening inclusive local institutions, rather than naively promoting the local model to a national scale.
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