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All Journal Conference In Business, Accounting And Management (Cbam) 2012 Jurnal Darussalam: Jurnal Pendidikan, Komunikasi dan Pemikiran Hukum Islam Jurnal Istiqro' MALIA Tasyri` : Jurnal Tarbiyah-Syari`ah-Islamiyah LOYALITAS: Jurnal Pengabdian Kepada Masyarakat ACTIVA: Jurnal Ekonomi Syariah Proceedings of Annual Conference for Muslim Scholars Ekosiana : Jurnal Ekonomi Syariah ICO EDUSHA Jurnal Perbankan Syariah Darussalam (JPSDa) JKaKa Jurnal Ekonomi Syariah NATUJA: Jurnal Ekonomi Syariah IIJSE Proceeding of International Conference on Humanity Education and Society
Nur Anim Jauhariyah
Institut Agama Islam Darussalam Blokagung Banyuwangi Indonesia
Religion Arts Humanities Computer Science & IT Economics, Econometrics & Finance Education Languange, Linguistic, Communication & Media Law, Crime, Criminology & Criminal Justice Social Sciences Other

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Tuition Fee Controversy: Reaching Break Even Point Without Sacrificing Accessibility for Students from Low-Income Families Muhammad Nur Ahsan; Sholihin; Moh. Qoyum; Nur Anim Jauhariyah
ICO EDUSHA Vol. 5 No. 1 (2024): Innovation and Transformation: The Utilization of Artificial Intelligence (AI)
Publisher : STAI AN-NAJAH INDONESIA MANDIRI

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Abstract

This study analyzes how the controversy over the determination of tuition fees, including the amount, the mechanism of relief/scholarships, and its impact on accessibility, affects the achievement of BEP. A qualitative case study was conducted at a Madrasah Tsanawiyah (MTs) in Banyuwangi, East Java, affiliated with the Ma'arif educational organization. Data were collected through non-participatory observation, semi-structured and in-depth interviews using the snowball sampling technique, and document analysis. The results show that the amount of tuition fees that are too high or too low both hinder BEP. Non-transparent relief/scholarship mechanisms reduce public trust, while effective mechanisms increase accessibility without disrupting the institution's income. This study also identifies alternative financing models such as diversifying revenue sources through facility rentals, optimizing operational efficiency, and partnering with the private sector as potential solutions. Factors for the successful implementation of alternative models include leadership commitment, transparency, community participation, policy support, and management capacity. This study provides recommendations for educational institutions and the government in formulating fair, effective, and sustainable financing policies.
THE IMPORTANCE OF TRANSPARENCY IN SCHOLARSHIP MANAGEMENT: ADDRESSING PUBLIC TRUST ISSUES IN ISLAMIC INSTITUTIONS Nur Khalimah; Ulfa Fitria; Nur Anim Jauhariyah
ICO EDUSHA Vol. 5 No. 1 (2024): Innovation and Transformation: The Utilization of Artificial Intelligence (AI)
Publisher : STAI AN-NAJAH INDONESIA MANDIRI

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Abstract

Scholarships in Islamic educational institutions play a crucial role in supporting access to education and shaping an excellent generation. This study employs a literature review approach. However, a lack of transparency in management, such as insufficient financial reporting and unclear selection processes, reduces public trust. This issue can decrease donor participation, open opportunities for unethical practices, and hinder program effectiveness. The findings propose solutions, including detailed financial reporting, independent audits, the use of digital technologies like blockchain, and fostering a culture of transparency. This study emphasizes the importance of transparency as a key to enhancing public trust, upholding accountability, and ensuring the sustainability of scholarship programs in line with Islamic principles.   Keywords:Transparency,Scholarship Management, Public Trust, Islamic Institutions
DIGITAL TRANSFORMATION IN EDUCATION FINANCING: OPPORTUNITIES AND CHALLENGES IN THE ERA OF TECHNOLOGICAL DISRUPTIONS Nikmatul Hikmah; Niken Lufi Anggini; Nur Anim Jauhariyah
ICO EDUSHA Vol. 5 No. 1 (2024): Innovation and Transformation: The Utilization of Artificial Intelligence (AI)
Publisher : STAI AN-NAJAH INDONESIA MANDIRI

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Digital transformation in the education sector has changed the education financing landscape by introducing innovative technologies such as blockchain, crowdfunding, and digital financial management systems. While offering great opportunities in increasing transparency, efficiency, and accessibility of financing, this transformation also presents challenges, including the digital divide, infrastructure limitations, and data security risks. This study focuses on the implementation of digitalization in education financing at the Yayasan Pondok Pesantren Darussalam Blokagung Banyuwangi, using a qualitative approach and case studies. The findings show that digitalization facilitates more efficient and transparent education financial management, opens access to alternative financing sources, and increases community participation through crowdfunding. However, data security and privacy challenges need to be addressed to ensure the success of this transformation. This study emphasizes the importance of collaboration between the government, educational institutions, and the private sector in optimizing the use of digital technology while minimizing its risks, thus creating an inclusive, efficient, and sustainable education financing system.
Education Financing Management in Improving the Quality of School Education Baraz Yoechva Alfaiz; Sutriani; Ruslan; Nur Anim Jauhariyah
ICO EDUSHA Vol. 5 No. 1 (2024): Innovation and Transformation: The Utilization of Artificial Intelligence (AI)
Publisher : STAI AN-NAJAH INDONESIA MANDIRI

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Abstract

This study aims to describe and analyze several aspects of the implementation of financing management, namely: (a) transparency, (b) accountability, (c) effectiveness, and (d) efficiency in improving academic quality at Babussalam Blimbingsari Junior High School. This research was conducted with a qualitative approach, using interview, observation, and documentation methods as data collection techniques. The validity of the data was tested through source triangulation. The results of the study show that the implementation of financing management at Babussalam Blimbingsari Junior High School to support the improvement of education quality is carried out based on the principles of transparency, accountability, effectiveness, and efficiency. These principles are realized through providing access to information related to school financial management, involvement of related parties in decision-making, open budget reporting, forming a financial management team, and implementing education quality improvement programs. This success is supported by competent human resources, good coordination skills, budgeting according to needs, and proper program planning. The management of education financing management at Babussalam Blimbingsari Junior High School is carried out in a structured and professional manner. The use of the right budget is a key factor in the success of the educational process in schools. In addition, the analysis of education quality showed that there was a positive relationship between financing management and improving the quality of education. Financing management has proven to be able to answer the needs of programs and policies that support quality improvement at Babussalam Blimbingsari Junior High School. Keywords: Management, Education Financing, Education Quality
Strategic Approaches to Managing Education Funding for Equitable Access and Quality Nur Hania; Mohammad Habib Imroni; Nur Anim Jauhariyah
ICO EDUSHA Vol. 5 No. 1 (2024): Innovation and Transformation: The Utilization of Artificial Intelligence (AI)
Publisher : STAI AN-NAJAH INDONESIA MANDIRI

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Abstract

This study aims to describe and analyze strategic approaches in managing educational financing to achieve equitable access and quality education in Madrasah Tsanawiyah Wanamukti. The main focus of this research includes four key aspects: (a) transparency in financial management, (b) accountability in the use of educational funds, (c) effectiveness of fund allocation for educational programs, and (d) efficiency in the use of educational financing resources. This research employs a qualitative approach with interview, observation, and documentation methods for data collection. Data validity was tested through source triangulation involving relevant stakeholders in educational policy and financial management. The results show that educational financing management is carried out by prioritizing the principles of transparency, accountability, effectiveness, and efficiency. The success of improving access and education quality is highly influenced by the proper allocation of budgets, sound planning, and good coordination between the government, private sector, and society. The principle of transparency is realized through the openness of financial information and the involvement of various parties in decision-making processes. Furthermore, accountability and effectiveness are achieved through structured budget reporting and continuous monitoring of fund usage. Efficiency is attained through the use of technology in budget management and innovation in learning methods. Overall, strategic educational financing management has proven to be effective in creating equitable and high-quality for all students at Madrasah Tsanawiyah Wanamukti. Keywords: Education Financing, Education Quality, and Educational Equity.
ANALISIS TINGKAT BAGI HASIL DAN INFLASI TERHADAP DEPOSITO MUDHARABAH DI BANK SYARIAH INDONESIA Yulissetyawati, Salma; Jauhariyah, Nur Anim; Syafa'at, Ahmad Munib
Jurnal Istiqro Vol. 11 No. 1 (2025): Januari 2025
Publisher : Universitas KH. MUkhtar Syafaat (UIMSYA) Blokagung Banyuwangi

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.30739/istiqro.v11i1.3706

Abstract

The purpose of this study is to analyze the effect of profit sharing rate and inflation on customer decisions in choosing mudharabah deposits at Bank Syariah Indonesia. This research methodology uses a quantitative approach with an explanatory research approach by analyzing the financial report data of Bank Syariah Indonesia using multiple linear regression tests. The results of the study indicate that the effect of the independent variable on the dependent variable partially is the profit sharing rate variable (X1) has a sig. value of 0.000 <0.05, then Ho is rejected and Ha is accepted, meaning that the profit sharing variable has an effect on mudharabah deposits. Then the inflation variable (X2) has a sig. value of 0.283> 0.05, then Ho is accepted and Ha is rejected, meaning that the inflation variable does not have an effect on mudharabah deposits. So it can be concluded that Profit Sharing has a positive and significant effect on Deposits while inflation has no effect on Deposits.
Implementation of the General Murabahah Bil Wakalah Agreement in BMT UGT Nusantara Jajag Banyuwangi Financing Products Salma, Sabrina; Jauhariyah, Nur Anim
Indonesian Interdisciplinary Journal of Sharia Economics (IIJSE) Vol 8 No 2 (2025): Sharia Economics
Publisher : Sharia Economics Department Universitas KH. Abdul Chalim, Mojokerto

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.31538/iijse.v8i2.6248

Abstract

Contract murabaha as one of the instruments financing sharia, giving suitable alternative​ with principal justice and transparency in transaction finance. While that, the use of please in contract This allow institution for act as representative in management financing, so that increase flexibility services. Research This aiming to study implementation contract murabaha bil wakalah general in product financing at BMT UGT Nusantara Jajag Banyuwangi. Method research used​ is analysis qualitative with interview deep to member as well as the BMT manage. The results of the study show that implementation contract give impact positive to satisfaction members, where ease and clarity in transaction can felt by the BMT members. However, there are a number of challenges like level understanding members who are still limited about contract this and the risks that need to be taken into account managed by the institution. The conclusion of study This the need optimization socialization and education about contract murabahah bil wakalah general, and development more products​ innovative and responsive to need members, with Thus BMT UGT Nusantara Jajag English expected can strengthen his position as institution finance micro effective and reliable sharia.​
Contribution of Murabahah Financing and Liquidity Towards the Profitability of BMT UGT Nusantara Capem Jajag Fitria, Dea Amelia; Jauhariyah, Nur Anim
Indonesian Interdisciplinary Journal of Sharia Economics (IIJSE) Vol 8 No 2 (2025): Sharia Economics
Publisher : Sharia Economics Department Universitas KH. Abdul Chalim, Mojokerto

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.31538/iijse.v8i2.6253

Abstract

This study aims to analyse the influence of financing Murabahah and liquidity to the profitability of BMT UGT Nusantara Capem Jajag Banyuwangi. Research methods use quantitative approach with analysing secondary data report on finance from 46 months in 2020-2023, with independent consists of from financing Murabahah and liquidity, whereas dependent is profitability. Data analysis using multiple linear regression with SPSS software. The results of the analysis show that the variable independently influential positive and significant to profitability. The t-test shows that financing murabaha has t-count of 8.189 more big from t table value with significance 0.000 <0.05, and liquidity has t-count of 2.078 more big from t table value with mark significance 0.044 < 0.05, both variable in a way partial show mark significant with simultaneous test results significant. The magnitude mark coefficient determination (R²) of 0.609 means 60.9% of the variation in profitability at BMT UGT Nusantara Jajag Gambiran Banyuwangi can be explained by financing murabahah and liquidity.
The Effect of Return on Asset and Operating Income on the Level of Profit Sharing from Mudharabah Deposits at BMT UGT Nusantara Capem Jajag in the Period 2019-2023 Febriani, Eka; Jauhariyah, Nur Anim; Sujoko, Edy
Indonesian Interdisciplinary Journal of Sharia Economics (IIJSE) Vol 8 No 2 (2025): Sharia Economics
Publisher : Sharia Economics Department Universitas KH. Abdul Chalim, Mojokerto

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.31538/iijse.v8i2.6293

Abstract

This study aims to analyze the effect of Return On Assets and Operating Costs Operating Income on the level of profit sharing of mudharabah deposits at BMT UGT Nusantara Capem Jajag during the period 2019-2023. The research method used is a quantitative method by analyzing secondary data from financial reports for 60 months in 2019-2023, with independent variables consisting of ROA and BOPO, while profit sharing of mudharabah deposits is the dependent variable. Data analysis uses multiple linear regression analysis tests with SPSS software. The results of the study indicate that Return On Assets has a significant effect on profit sharing of mudharabah deposits with a positive t-count value, while Operating Costs and Operating Income have a significant effect on profit sharing of mudharabah deposits with a negative t-count value. The amount of contribution of Return On Assets and Operating Costs Operating Income to the level of profit sharing of mudharabah deposits at BMT UGT Nusantara Capem Jajag during the period 2019-2023 is 77.8%.
Penguatan Kelembagaan dalam Mewujudkan Kabupaten Banyuwangi Sehat Jauhariyah, Nur Anim; Syafa'at, Ahmad Munib; Mahmudah
LOYALITAS: Jurnal Pengabdian Kepada Masyarakat Vol. 7 No. 2 (2024): November 2024
Publisher : Universitas KH. Mukhtar Syafaat (UIMSYA)

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.30739/loyalitas.v7i2.4116

Abstract

Banyuwangi Regency is located at the tip of East Java Island which has beautiful tourism and culture that can boost the community's economy. The purpose of this community service is to analyze the potential and provide education to the community regarding the importance of implementing a clean, healthy, safe, and comfortable life both in the family environment, work environment, and society through institutional strengthening. The location of the community service was carried out in Siliragung District which consists of five villages and monitoring was carried out once every six months every year. The results of the community service show that the institutions in the Healthy District Communication Forum in Siliragung District and the Healthy Village Working Group in Seneporejo, Siliragung, Kesilir, Buluagung, and Barurejo Villages have carried out activities that are in synergy with the Banyuwangi Regency government program, so that they can support in eradicating the problems in the area. However, there are weaknesses in the management of the Parangsemar tourist destination and sustainable waste management that need to be continuously accompanied and fully supported by each sector.
Co-Authors Abdul Aziz Abdul Kholiq Syafa’at Afada, Sherif Ahmad Mufarih Hasan Fadly Ahmad Munawar Ahmad Munib Syafa'at Ahmad Saiful Amin Alfina Shofi Afkarina Ana Aniati Ana Kurnia Ashari Aniati, Ana Aula Izatul Aini Baraz Yoechva Alfaiz Barokah, Lailiyatul Biati, Lilit Cindy Claudia Eko Budiywono Erna Munadifah Fajar Isnaini Febriani, Eka Feryansyah Prima Ernanda Fitria, Dea Amelia Fitria, Kiki Habibulloh Habibulloh Habibulloh, Habibulloh Imam Khusnudin Isnaini, Fajar Kiki Fitria Komarudin Komarudin Lely Ana Ferawati Ekaningsih Lu’at Happyana M. Alaika Nasrulloh Mahbub Mahbub Mahmudah Mahmudah Mahmudah Mahmudah Mahmudah Mahmudah Mahmudah Mahmudah Mahmudah Mahmudah Mahmudah Mahmudah Mahmudah Mahmudah Mahmudah Mahmudah Mahmudah Ma’unah, Dwi Hanifatul Mira Rahayu Moh. Qoyum Moh. Riza Pahlevi Mohammad Habib Imroni Muhammad faqih Muhammad Hasbullah Ridwan Muhammad Imam Khaudli Muhammad Nur Ahsan Muhammad Riza Aziziy Munawir Munawir Munawir Munawir Muti Atus Sofiah Nawal Ika Susanti, Nawal Ika Nihayatul Wafiroh Niken Lufi Anggini Nikmatul Hikmah Nur Hania Nur Khalimah Nur Mu’alina Nur Wiarsih Nur Wiarsih Nurul Handayani Nurul Inayah Nurul Inayah Nurul Inayah Nurul Inayah Nurus Sofa, Fatiha Indana Pipit Hariyono Qohar, M Khafidul Rahma Nanda Nur Azizah Riza Pahlevi, Riza Ruslan Salma, Sabrina Shinta Hayu Asyisa Kurnia Sholihin Siti Komariyah Soekardjo Soekardjo Sofi Faiqotul Hikmah Sofi Faiqotul Hikmah Sujoko, Edy Sutriani Ulan Ani Setiawaty Ulfa Fitria Yazid, Azy Athoillah Yulissetyawati, Salma