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All Journal Laa Maisyir Jurnal Ekonomi Islam Jurnal Ekonomi & Studi Pembangunan EKOMBIS REVIEW: Jurnal Ilmiah Ekonomi dan Bisnis Jurnal Ekonomi dan Bisnis Islam Jurnal Ilmiah Ekonomi Islam Ahkam: Jurnal Hukum Islam Maqasid: Jurnal Studi Hukum Islam Jurnal Masharif al-Syariah: Jurnal Ekonomi dan Perbankan Syariah al-Uqud : Journal of Islamic Economics JMM (Jurnal Masyarakat Mandiri) Al Qalam: Jurnal Ilmiah Keagamaan dan Kemasyarakatan MALIA Istinbath: Jurnal Hukum dan Ekonomi Islam Justisia Ekonomika Media Syari'ah: Wahana Kajian Hukum Islam dan Pranata Sosial Humanism : Jurnal Pengabdian Masyarakat Multidiciplinary Output Research for Actual and International Issue (Morfai Journal) Society: Jurnal Pengabdian Masyarakat Jurnal Kreativitas dan Inovasi (Jurnal Kreanova) Chalim Journal of Teaching and Learning Journal of Artificial Intelligence and Digital Business Journal of Waqf and Islamic Economic Philanthropy Jurnal Hukum Islam
Dian Berkah
Universitas Muhammadiyah Surabaya
Religion Agriculture, Biological Sciences & Forestry Arts Humanities Astronomy Chemical Engineering, Chemistry & Bioengineering Civil Engineering, Building, Construction & Architecture Computer Science & IT Decision Sciences, Operations Research & Management Economics, Econometrics & Finance Education Electrical & Electronics Engineering Energy Engineering Environmental Science Health Professions Languange, Linguistic, Communication & Media Law, Crime, Criminology & Criminal Justice Library & Information Science Materials Science & Nanotechnology Public Health Social Sciences Other

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Strategic Utilization of Muhammadiyah’s Waqf Land Assets To Support Green Economy Setiyowati, Arin; Salsabilla, Salma Nadia; Berkah, Dian; Nadid, Erdin
MALIA: Jurnal Ekonomi Islam Vol 16 No 2 (2025)
Publisher : Department of Islamic Economics, Faculty of Islamic Religion, Yudharta University Pasuruan, East Java, Indonesia.

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.35891/ml.v16i2.6291

Abstract

Introduction: The utilization of waqf land assets, especially in the Muhammadiyah Organization, has not been optimal in supporting sustainable development and a green economy. A strategy for utilizing waqf land assets in the Muhammadiyah Organization to support a green economy is pivotal. Methods: This study used a qualitative method with a case study approach. The sources used in this study are primary and secondary data. The data analysis technique used in this study was simplifying raw data from interviews or data reduction. Results: Data collection used in-depth interviews with Nadzir administrators. Based on the interviews, four main detailed themes emerged: management of waqf land assets, utilization of waqf land for a green economy, collaboration and partnership, and challenges and optimization strategies. These four themes provide a complete picture of how the waqf land management process works in the field practice. Conclusion and suggestion: Optimizing the use of waqf land assets by Muhammadiyah, especially in Bojonegoro and Lamongan, has shown a paradigm shift from traditional waqf management to productive waqf oriented towards sustainability through integration with the concept of green economy.
Upaya Peningkatan Kemandirian Ekonomi APUNA Jawa Timur Melalui Aplikasi Smart Self Entrepreneur (SSE) Setiyowati, Arin; Berkah, Dian; Huda, Fatkur; Salsabilla, Salma Nadia
Society : Jurnal Pengabdian Masyarakat Vol. 3 No. 5 (2024): September
Publisher : Edumedia Solution

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.55824/jpm.v3i5.447

Abstract

Kurangnya pengetahuan dan pemahaman tentang pengelolaan usaha yang professional untuk peningkatan skala usaha, tidak ada akses maupun media yang mewadai upaya peningkatan skill kewirausahaan secara mandiri yang mudah diakses darimana saja dan kapan saja, dan belum adanya Gerakan yang massif mengenai peningkatkan kualitas kewirausahan menjadikan Tim Abdimas Universitas Muhammadiyah Surabaya melakukan pengabdian dengan menghadirkan Solusi berupa aplikasi Smart Self Entrepreneur (Sse) berbasis web untuk peningkatan kemandirian ekonomi perempuan khususnya kader PWNA Jawa Timur. Metode penelitian dilakukan dalam beberapa tahapan yakni persiapan, pelaksaanaan mentoring evaluasi, dan pelaporan. Hasilnya bahwa pengabdian ini mendapatkan respon yang positif dari berbagai pihak terutama dari PWNA Jawa Timur
(حكم "بيليس" في الزواج العرفي فى قبيلة "لاماحولوط" فى مدينة "لارانتوك" بفولوريس الشرقية نوسى تنجرا الشرقية (دراسة تحليلية نقدية Sulaiman, Umar; Berkah, Dian; Basith, Abdul
Maqasid: Jurnal Studi Hukum Islam Vol. 9 No. 1 (2020)
Publisher : Muhammadiyah University of Surabaya

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.30651/mqsd.v9i1.6557

Abstract

Abstract In the life of the Lamaholot tribe, customs and beliefs are still developing strongly. It is still found in the Lamaholot tribal community in East Flores, East Nusa Tenggara regarding  "Belis" in the marriage process. "Belis" is a tradition of noble values and forms of respect for women. The purpose of "Belis" is the legal determinant of a marriage, as a sign that the girl has left her home family, and as a tool to raise the name / degree of the family There are various forms of "Belis" in East Nusa Tenggara that are used in the form of gold, silver, money, and animals such as buffalo, cows or horses. The uniqueness of the "Belis" lamaholot community is concrete in the form of value and size of elephant ivory that is difficult to obtain. Although elephant ivory is very difficult to obtain, this tradition still applies and is maintained by the Lamaholot community.The purpose of this study is 1) to find out how the traditional practice of "Belis" in the Lamaholot tribe community 2) to find out how the views of ulama, traditional leaders, and the viewpoint of Islamic law about the customs. The subjects of this research are the local community, community leaders and Ulama '. This research is a type of qualitative research using data collection methods and methods of observation, interviews, and documentation while the data processing is Editing, Classifying, Analizing and Concluding.The conclusions of this study are 1) that the tradition of "Belis" in the Lamaholot tribe is a legacy of ancestors and until now this tradition still exists 2) according to traditional leaders and different religious leaders, according to religious leaders that the tradition of "Belis" is contrary to the Shari'a Islam. And according to traditional leaders, adat belis does not contradict because adat has to be maintained. But to maintain the brotherhood between them, they are at peace and agree to improve the custom of "Belis". If viewed from the perspective of Islamic law that part of the traditional process of "Belis" is contrary to the basic method of Islamic law. Keywords: Belis, Tradition, Marriage
CHILD PROTECTION IN THE FATWA OF MUHAMMADIYAH COUNCIL FOR RELIGIOUS OPINION AND TAJDID IN 2024 AND LAW NO. 35 OF 2014 Efendy, Imam Nur; Ikhwanuddin, Mohammad; Al Farisi, Salman; Stiawan, Thoat; Berkah, Dian
istinbath Vol. 24 No. 2 (2025): December
Publisher : Universitas Islam Negeri Mataram

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.20414/ijhi.v24i2.978

Abstract

This study analyzes the protection of children's rights from a comparative perspective between the Fatwa of the Muhammadiyah Tarjih and Tajdid Council Number 54/KEP/I.0/B/2024 concerning Child Protection Jurisprudence (Fiqh) and the Law of the Republic of Indonesia Number 35 of 2014 concerning Child Protection. The research problem focuses on the similarities and differences in the legal substance between the aforementioned Fatwa and the Child Protection Law in terms of guaranteeing children's rights. Both legal sources share four main similarities: the right to life and development, the right to education, the right to custody (hadanah), and the right to express an opinion. However, there are three main differences: (1) the legal sources used, where the Fatwa is derived from Islamic teachings, while the law is based on state law; (2) the Fatwa does not directly address the rights of children with disabilities, although attention to this issue is contained in a separate Fiqh for Disabilities; and (3) (Assumption: Insert the third explicit difference if available in the original text, or focus on implications). This research used a qualitative method with a juridical-normative approach, analyzing relevant documents and literature. The results indicate that significant issues remain to require attention, such as the lack of clear regulations for child protection in the digital age, the continued occurrence of child marriage despite its prohibition, and the limited space for children to express their opinions due to authoritarian family cultures. This research recommends the importance of incorporating religious values into state policy and the need for further study on the protection of children with disabilities and children in the digital world from an Islamic perspective.
MARKETING STRATEGY ANALYSIS OF SAVINGS PRODUCTS AT PT BANK MUAMALAT KCP WIYUNG Fahrur Rosi; Dian Berkah; Rukhul Amin
Multidiciplinary Output Research For Actual and International Issue (MORFAI) Vol. 5 No. 4 (2025): Multidiciplinary Output Research For Actual and International Issue
Publisher : RADJA PUBLIKA

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.54443/morfai.v5i1.2555

Abstract

This study examines the implementation of savings product marketing strategies at PT Bank Muamalat KC Wiyung and its impact on increasing the number of customers and savings funds. In-depth interviews were conducted with the branch managers of Bank Muamalat Wiyung to obtain an overview of how the bank markets savings products and the challenges faced in implementing them. The results of the study indicate that a combination of marketing strategies through sharia channels such as branch offices and digital such as mobile banking and the use of referral programs can effectively attract new customers and retain old customers. In addition, the implementation of a personal approach through direct visits and promotional campaigns strengthens customer relationships with the bank. However, the bank still faces challenges from intense competition and difficulties in introducing new products to an increasingly growing market. This study highlights the importance of managing innovative and sustainable marketing strategies, and how this can increase customer loyalty and the competitiveness of Bank Muamalat's savings products in the sharia banking market.
SHARIA FINANCING IN THE AGRICULTURAL SECTOR: SOLUTIONS TO THE PROBLEM OF USURY FROM A SOCIAL AND ECONOMIC PERSPECTIVE Larasati, Pradipta Puspita; Fitriyah, Sayyidatul; Widiastuti, Tika; Berkah, Dian
Jurnal Ekonomi dan Bisnis Islam (Journal of Islamic Economics and Business) Vol. 3 No. 2 (2017): JULI-DESEMBER 2017
Publisher : Universitas Airlangga

Show Abstract | Download Original | Original Source | Check in Google Scholar | Full PDF (8309.367 KB) | DOI: 10.20473/jebis.v3i2.6756

Abstract

As an agricultural country, the agricultural sector has a vital role in the development of the national economy. But it does not mean the agricultural sector work without an obstacle. In fact the sector is often faced with various problems, especially in the weakness of capital. The capital needs will increase along with various choices of commodities and cropping patterns, the development of cultivation technology, post- harvest handling and processing of increasingly rapid results. In the era of agricultural technology, intensive of capital mobilization for both agricultural equipment and production facilities. Farmers can not afford to finance their farms with their own funds so that the farmers decide to finance the majority of which come from conventional lending institutions or even loan sharks and "moneylenders” based on the interest system which contains the element of riba. This is what causes financing by using islamic financial institutions are still minimal. Over this condition, making an opportunity as well as a challenge for islamic financial institutions to be present in the community, especially farmers in the agricultural sector, in order to minimize the action of riba in economic activity. As a solution, sharia financial institutions offer appropriate financing schemes in accordance with the needs of farners, but it can also be through the optimization of the function of islamic microfinance institutions (BMT) as an alternative in financing in the agricultural sector, the establishment of agricultural sharia banking and the application of rewards and punishment in financing. So the purpose of this study is expected by closer farmers with islamic financial institutions so that they can be completely free from the riba that can harm.Keywords:Riba, Agricultural Development, Sharia Financing, Islamic Financial Institutions, Islamic Banking.
Islamic Economic Thought Has Existed Since The Time Of The Prophet Adam Alaihis Salam Luluk Latifah; Isma Swadjaja; Dian Berkah; Muridah Isnawati; Warsidi Warsidi
Jurnal Ilmiah Ekonomi Islam Vol. 9 No. 2 (2023): JIEI : Vol.9, No.2, 2023
Publisher : ITB AAS INDONESIA Surakarta

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.29040/jiei.v9i2.8745

Abstract

Studies on the history of Islamic economics are still very rare, especially the study of Islamic economics before the Nubuwah period or the time of the appointment of the Prophet Muhammad as a Prophet and Apostle. The purpose of this study is to prove that Islamic economic civilization has existed since the time of the Prophet Adam sent by Allah to the earth. The method used in this study is a qualitative method with a research library, with a historical methodology approach. The results of the study said that Islamic economic civilization existed long before the Nubuwah era or the time of the appointment of the Prophet Muhammad SAW as a prophet and apostle. At the time of the Prophet Adam, there were very simple economic activities to meet their basic or primary needs. These economic activities are consumption, distribution and production. More and more economic functions were practiced during the time of Noah and Yunus, including the functions of transportation and trade. Even at the time of the Prophet Yusuf, there was already a supply and warehousing function. The time when Prophet Musa carried out economic activities more fully and in detail, namely when Prophet Musa a.s. met with two girls who were queuing to get their cattle to drink and then Prophet Musa offered himself as a representative (wakalah contract) to carry out the duties of the two girls. Furthermore, more intense cooperation in the field of livestock maintenance and development as employees (managers) and shahibul Maal (livestock owners). The economic functions at the time of the Prophet Muhammad were more complete, namely the functions of production, consumption, distribution, human resources and investment. Almost everything was lived by the Prophet Muhammad himself since the age of 8 years. The initial journey that the Prophet Muhammad had carried out was as a deputy at the beginning as a shepherd with a salary system, then as a mudharib in a trading business when the prophet Muhammad was not married, and then after marrying Khadijah the Prophet acted as a shahibul mall and at the same time an investor and this is when the Prophet Muhammad have a lot of time to think about the condition of society, at this time the Prophet had achieved financial freedom or freedom of money
The Influence Of Working Capital Financing And Consumptive Financing Of Islamic Commercial Banks On Economic Growth Nabila Aretha Putri Yunaz; Haqiqi Rafsanjani; Dian Berkah
EKOMBIS REVIEW: Jurnal Ilmiah Ekonomi dan Bisnis Vol 13 No 4 (2025): Oktober
Publisher : UNIVED Press

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.37676/ekombis.v13i4.8233

Abstract

Economic growth is a main indicator in assessing the development of a country, which is influenced by various factors, including financing distributed by Islamic banking. This research aimed to analyze the influence of working capital financing and consumptive financing by Islamic commercial banks on economic growth in Indonesia. The method used a quantitative approach with the Vector Error Correction Model (VECM) model to analyze the short-term and long-term relationship between the variables of working capital financing, consumptive financing, and economic growth. The data used monthly time series data from the official reports of the Financial Services Authority and the Indonesian Central Statistics Agency for the 2014–2023 period which is processed using Eviews 13. The results showed that consumptive financing had a significant influence on economic growth in the short term. However, the impact is not long-lasting and tends to subside in the long term. In contrast, working capital financing has no direct influence on economic growth in the short term, but in the long term it showed that a stronger linkage to economic growth through increased productivity and investment. This research showed that although consumptive financing can drive economic growth in the short term through increased consumption, the impact is less sustainable compared to working capital financing which contributes more to long-term economic growth. Therefore, the optimization of working capital financing in Islamic banking needed to be increased to support more stable and sustainable economic growth.
Analysis of Islamic Bank Marketing Strategies in Increasing Easy Wadiah Savings Products at BSI KCP Rungkut 1 Mohammad Diki Kurniawan; Rukhul Amin; Dian Berkah
EKOMBIS REVIEW: Jurnal Ilmiah Ekonomi dan Bisnis Vol 13 No 4 (2025): Oktober
Publisher : UNIVED Press

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.37676/ekombis.v13i4.8449

Abstract

This study aims to analyze marketing strategies in improving Easy Wadiah Savings products at Bank Syariah Indonesia (BSI) KCP Rungkut 1. This study uses a qualitative approach with a case study method, where data is obtained through direct interviews with the bank as well as related documentation and literature. The results of the study indicate that BSI KCP Rungkut 1 has implemented a marketing strategy based on a marketing mix (7P), which includes products, prices, places, promotions, processes, human resources, and physical evidence. Strategies such as direct reward programs, QRIS cashback promotions, customer education, and community approaches have proven effective in attracting customer interest, especially micro segments such as housewives, students, and MSMEs. The main obstacles faced are low sharia financial literacy and competition with conventional banks. Therefore, increasing community-based literacy and optimizing local digital marketing strategies are important recommendations to strengthen the competitiveness of Easy Wadiah Savings products. This study is expected to be a reference for sharia financial institutions in designing more effective and sustainable marketing strategies.
Waqf Management in the Madura Islands: Analysis of the Implementation of PSAK 112 from a Sharia Economic Perspective Mubarak Mubarak; Dian Berkah; Khairul Jannah
Journal of Waqf and Islamic Economic Philanthropy Vol. 3 No. 2 (2026): February
Publisher : Indonesian Journal Publisher

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.47134/wiep.v3i2.1135

Abstract

This study aims to analyze the implementation of the Statement of Financial Accounting Standards (PSAK) 112 on Waqf Accounting at the Majelis Pendayagunaan Wakaf Muhammadiyah (MPWM) Pamekasan and its compliance with Islamic economic law provisions. The research employs a descriptive qualitative method with a case study approach. Primary data were obtained through in-depth interviews and document observation of financial reports, while secondary data were derived from annual reports, regulations, and scholarly literature. The analysis was conducted using content analysis by comparing field practices with PSAK 112 and Islamic legal regulations (Law No. 41/2004 on Waqf, Government Regulation No. 42/2006, and the DSN-MUI fatwas). The findings reveal that MPWM Pamekasan has presented financial statements in accordance with the PSAK 112 format, including the statement of financial position, statement of activities, cash flow statement, and notes to the financial statements. However, gaps remain in the recognition and measurement of waqf assets, particularly in applying fair value and conducting periodic revaluations. Information disclosure has yet to fully include revaluation policies and waqf management risks. From the perspective of Islamic economic law, regulatory compliance exists, yet public transparency remains limited. This study recommends improving asset valuation accuracy, enhancing disclosures, and increasing report transparency to strengthen accountability in waqf management.
Co-Authors Abdul Basith Abdul Wahab Agus Nurdiansyah Ahdiyat Ilmawan Nehru Amalia Lutfi Azzakiyah Amalia Lutfi Azzakiyah Amin, Rukhul Andre Ridho Saputro Arin Setiyowati Atiya, Nikmatul Bustami, Mohammad Reevany Efendy, Imam Nur Elsaviyanto, Yumna Almnas Fahrur Rosi Fatkur Huda FITRIYAH, SAYYIDATUL Haqiqi Rafsanjani Ikhwanuddin, Mohammad Intan Febriyanti Irwan Alnarus Kautsar Isa Ansori Isma Swadjaja Khairul Jannah Larasati, Pradipta Puspita listriyati listriyati listriyati, listriyati Luluk latifah M. Afif Zamroni Mohammad Diki Kurniawan Mubarak Mubarak Muchlis Muchlis muchlis muchlis Muhammad Fahmi Azis Muhammad Hanifuddin Hakim Muridah Isnawati Nabila Aretha Putri Yunaz Nadid, Erdin Nehru, Ahdiyat Ilmawan Pratama, Roby Julio Rahmah Yulisa Kalbarini, Rahmah Yulisa Ratna Fitri Andini Rekak, Nurlailatul Badriyyah Salma Nadia Salsabilla Salman Al Farisi Salsabilla, Salma Nadia Setiyowati, Arin Setiyowati, Arin Sigit Hermawan Sri Hariati Thoat Setiawan Thoat Stiawan Tika Widiastuti Umar Sulaiman UTOMO, PRASETYO warsidi warsidi Yusuf Abdul Ajis Zulkarnain Putra Laksmana