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All Journal Dinar: Jurnal Ekonomi dan Keuangan Islam Et-Tijarie: Jurnal Hukum dan Bisnis Syariah Jurnal Ilmiah Ekonomi Islam Al Qalam: Jurnal Ilmiah Keagamaan dan Kemasyarakatan BISEI: Jurnal Bisnis dan Ekonomi Islam JMK Jurnal Manajemen dan Kewirausahaan Al-tsaman : Jurnal Ekonomi dan Keuangan Islam Jumat Ekonomi: Jurnal Pengabdian Masyarakat Jumat Pertanian: Jurnal Pengabdian Masyarakat Iqtishaduna : Jurnal Ilmiah Mahasiswa Hukum Ekonomi Syariah MANAJEMEN Income: Innovation Of Economics And Management Istismar : Jurnal Kajian dan Penelitian Ekonomi dan Bisnis Islam JoEMS : Journal of Education and Management Studies Izdihar : Jurnal Ekonomi Syariah ARZUSIN: Jurnal Manajemen dan Pendidikan Dasar Kharisma: Jurnal Administrasi dan Manajemen Pendidikan Dalwa Islamic Economic Studies: Jurnal Ekonomi Syariah QOSIM: Jurnal Pendidikan, Sosial & Humaniora Jurnal Inovasi Ekonomi Syariah dan Akuntansi Journal of Islamic Economics Studies and Practices (JIESP).
Naily El Muna
Universitas KH. A. Wahab Hasbullah
Religion Agriculture, Biological Sciences & Forestry Humanities Biochemistry, Genetics & Molecular Biology Computer Science & IT Decision Sciences, Operations Research & Management Economics, Econometrics & Finance Education Languange, Linguistic, Communication & Media Law, Crime, Criminology & Criminal Justice Social Sciences Other

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Kepengurusan Manajemen Keuangan di Pondok Pesantren Bahrul Ulum (Pondok Induk) Bahrul ‘Ulum Tambakberas Jombang Naily El muna; Muhamad Khoirur Roziqin; Abd Kholid
Jumat Ekonomi: Jurnal Pengabdian Masyarakat Vol. 2 No. 1 (2021): April
Publisher : Lembaga Penelitian dan Pengabdian kepada Masyarakat Universitas KH. A. Wahab Hasbullah

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.32764/abdimasekon.v2i1.1135

Abstract

Pondok pesantren sebagai komunitas dan sebagai lembaga pendidikan yang besar jumlahnya dan luas penyebarannya di berbagai pelosok tanah air telah banyak memberikan saham dalam pembentukan manusia Indonesia seutuhnya yang religious. Permasalahan dalam penelitian ini yaitu: bagaimana kepengurusan keuangan di Pondok Induk Bahrul Ulum Tambakberas Jombang. Penelitian ini bertujuan untuk mengetahui keuangan yang ada di pondok Induk. Pendekatan penelitian yang digunakan adalah penelitian kualitatif deskriptif yaitu penelitian yang mengedepankan penelitian data atau realitas persoalan yang berdasarkan pada pengungkapan apa-apa yang telah dieksplorasikan dan diungkapkan oleh responden dan data yang dikumpulkan berupa kata-kata, gambar dan bukan angka. Dari hasil penelitian yang di dapat, pondok induk Bahrul Ulum Tambakberas Jombang masih belum tertata dalam hal keuangan apalagi dengan situasi pandemic Covid-19 dan di tambah lagi belum adanya kerjasama dengan BMT setempat.
Comparative Study of Murabahah and Istishna' Contracts in BTN Syariah Jombang Mortgage Loans Amin Awal Amarudin; Muhamad Agil; Naily El Muna
Al Qalam: Jurnal Ilmiah Keagamaan dan Kemasyarakatan Vol. 20, No. 1 : Al Qalam (January 2026 - Special Edition: Islamic Studies)
Publisher : Sekolah Tinggi Ilmu Al-Qur'an (STIQ) Amuntai Kalimantan Selatan

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.35931/aq.v20i1.5908

Abstract

Housing is a basic human need, so that sharia housing financing needs to be assessed for its compliance with sharia principles. This study aims to describe the implementation of Murabahah and Istishna’ contracts in Sharia Home Ownership Credit (KPR) products at Bank BTN KCPS Jombang and analyze the SWOT aspects of both contracts. The study uses a descriptive qualitative approach with a case study design. Data were collected through participatory observation, in-depth interviews, and documentation, then analyzed using the Miles and Huberman model. The results of the study indicate that the Murabahah lil Amri bi Syira’ contract in the BTN Sejahtera iB KPR product is in accordance with the DSN-MUI Fatwa No. 04/DSN-MUI/IV/2000. The Istishna’ contract in the BTN Indent iB KPR product has also been implemented in accordance with the DSN-MUI Fatwa No. 06/DSN-MUI/IV/2000 and No. 09/DSN-MUI/IV/2000. A SWOT analysis shows that the murabahah contract excels in installment certainty and margin transparency, but has weaknesses in the disbursement process. Meanwhile, the Istishna' contract excels in home design flexibility, but faces the risk of construction specification discrepancies.
Strategi Pengembangan Warung Madura dalam Meningkatkan Pendapatan di Kecamatan Jombang Prasetyo, Muhamad Andhika Budi; Muna, Naily El; Ashlihah, Ashlihah
ARZUSIN Vol 6 No 4 (2026): AGUSTUS
Publisher : Lembaga Yasin AlSys

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.58578/arzusin.v6i4.10391

Abstract

Although microenterprise development strategies have been widely studied, research that specifically discusses the development of Warung Madura in increasing income from the perspective of Islamic economics remains limited. This study aims to analyze the business development strategies of Warung Madura in Jombang Subdistrict and their role in increasing income. This study used a qualitative approach with a case study design, involving four Warung Madura owners selected through purposive sampling. Data were collected through interviews, observation, and documentation, then analyzed using the interactive model of Miles and Huberman. The results show that business development strategies were carried out through simple planning, endeavor, family deliberation, and business evaluation by maintaining product availability, extending operating hours, providing good service, and implementing simple financial recording. These strategies played a role in increasing income through rapid inventory turnover and the ability of Warung Madura to meet the daily needs of the community. The conclusion of the study affirms that product availability, reasonable prices, service quality, and family-based management are important factors in increasing business income ethically and sustainably. The implications of this study provide theoretical contributions to the development of Islamic economics literature, particularly in the study of microenterprises based on family values and business ethics, as well as practical implications for Warung Madura owners in strengthening business management strategies. This study also opens opportunities for further research on financial management, business legality, and digital adaptation of Warung Madura.
Dinamika Persepsi Nasabah Pembiayaan UMKM di BMT NU Kantor Wilayah Ngoro terhadap Keberlanjutan Usaha Elsa Setya Putri; Naily El Muna; Ashlihah Ashlihah
Jurnal Inovasi Ekonomi Syariah dan Akuntansi Vol. 3 No. 3 (2026): Mei : Jurnal Inovasi Ekonomi Syariah dan Akuntansi (JIESA) 
Publisher : Asosiasi Riset Ekonomi dan Akuntansi Indonesia

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.61132/jiesa.v3i3.2228

Abstract

Micro, Small, and Medium Enterprises (MSMEs) play a crucial role in the economy, yet limited access to capital remains a major obstacle. Sharia financing from Islamic microfinance institutions is expected to support MSME business sustainability. This study aims to analyze MSME customers' perceptions of sharia financing, identify the internal and external factors influencing these perceptions, and examine the dynamics of perception changes after receiving multiple financing facilities. This research employs a qualitative approach with a case study method. Data were collected through in-depth interviews, observation, and documentation from MSME customers receiving sharia financing at BMT NU Ngoro Regional Office. Data validity was ensured through source and method triangulation. The findings indicate that MSME customers generally hold a positive perception of sharia financing. It is perceived as offering easy procedures, good service quality, and compliance with Islamic principles, thereby supporting capital increase and business sustainability. Perceptions are influenced by internal factors such as business experience and motivation, as well as external factors including market conditions and competition. Furthermore, customers' perceptions tend to become progressively more positive as their experience with receiving financing increases. The significant role of interpersonal service quality and mentoring in shaping positive perceptions is a key finding. In conclusion, sharia financing at BMT NU Ngoro Regional Office plays a vital role in supporting MSME business sustainability. Consequently, continuous improvement in service quality and business assistance is necessary.
E-Commerce Sarana Pembentukan Loyalitas: Studi Kasus Gofood di Jombang Irkhamilatul Faizah; Naily El Muna; Ashlihah Ashlihah
Jurnal Inovasi Ekonomi Syariah dan Akuntansi Vol. 3 No. 3 (2026): Mei : Jurnal Inovasi Ekonomi Syariah dan Akuntansi (JIESA) 
Publisher : Asosiasi Riset Ekonomi dan Akuntansi Indonesia

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.61132/jiesa.v3i3.2230

Abstract

This study aims to understand the role of E-Commerce in building customer loyalty, explain the process of loyalty formation, and assess how customers perceive service quality in relation to loyalty, using the GoFood service in Jombang as a case study. The rapid growth of online food delivery services has intensified competition, making customer loyalty a critical factor for sustainability. Employing a qualitative case study approach, data were collected through in-depth interviews with 30 GoFood customers and several drivers in the Jombang area. The findings reveal that E-Commerce platforms significantly enhance loyalty through user-friendly application interfaces, supporting features (such as live tracking, history, and digital payments), and beneficial promotions. The loyalty formation process occurs gradually through consistent positive experiences, moving from customer satisfaction to trust, and ultimately to habitual use. Crucially, the quality of driver services—including politeness, effective communication, punctuality, and order accuracy—emerged as a key determinant of customer comfort and repeat orders. This study implies that for E-Commerce platforms to maintain a competitive edge, strategies must integrate digital convenience with consistently reliable human interactions. The research contributes empirical insights from a semi-urban Indonesian context, highlighting that customer loyalty is not merely transactional but is built on a combination of technological ease, economic value, and positive interpersonal service experiences.
Strategi Pemasaran dalam Meningkatkan Minat Konsumen di Catering Lapak Ning Icha Rizki Wulandari; Naily El Muna; Ashlihah Ashlihah
Jurnal Inovasi Ekonomi Syariah dan Akuntansi Vol. 3 No. 3 (2026): Mei : Jurnal Inovasi Ekonomi Syariah dan Akuntansi (JIESA) 
Publisher : Asosiasi Riset Ekonomi dan Akuntansi Indonesia

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.61132/jiesa.v3i3.2233

Abstract

This study aims to analyze the marketing strategy implemented by Catering Lapak Ning Icha to increase consumer purchase intention. The background of this research is the intense competition in the culinary MSME sector, particularly catering services, which demands effective and sustainable marketing strategies. A qualitative approach with a case study design was employed. Data were collected through in-depth interviews, observations, and documentation involving the business owner (represented by the operator), employees, and consumers. Data analysis was conducted using the Miles and Huberman model, consisting of data reduction, data display, and conclusion drawing. The findings reveal that the marketing strategy based on the 7P marketing mix (Product, Price, Place, Promotion, People, Process, and Physical Evidence) plays a significant role in increasing consumer purchase intention. In terms of product, the catering maintains taste quality, cleanliness, and menu variety. Pricing is set affordably and competitively. Easy location access and accurate ordering and distribution processes support the place and process aspects. Promotion is carried out organically through social media and word of mouth. Additionally, friendly and professional employee service, as well as physical evidence such as a clean business environment and neat packaging, contribute to positive consumer perceptions. The implications of this study suggest that consistent and integrated marketing strategies aligned with consumer needs can effectively enhance purchase intention and customer loyalty. This research serves as a reference for culinary MSME actors in designing effective and sustainable marketing strategies.
Pelatihan Pemanfaatan Eco- Enzyme dalam Pemberdayaan Masyarakat Bekti Widyaningsih; Ashlihah Ashlihah; Saiful Aminudin Al Kusuma; Naily El Muna; Dini Nafisa Salsabila
JUMAT PERTANIAN: Jurnal Pengabdian Masyarakat Vol. 5 No. 1 (2024): April
Publisher : LPPM Universitas KH. A. Wahab Hasbullah

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.32764/abdimasper.v5i1.4368

Abstract

ABSTRACT Community Service Activities were carried out in Miagan Village, Mojoagung District through training on the use of Eco-Enzyme. This activity aims to provide an explanation and understanding of the use of organic waste to the public, providing knowledge about how organic waste can be utilized/reprocessed into a useful liquid, namely Eco enzyme. The approach method for implementing community service activities includes discussion, training, practice, and questions and answers directly in front of the training participants, called the Fucus Group Discussion (FGD) method. The results of the training activities on the use of eco-enzymes provided learning, assistance and empowerment regarding the manufacture of Eco-enzymes in increasing the potential of human resources and they were also able to answer the post test that had been given. Keywords: Eco-Enzyme, waste, organic
Co-Authors Abd Kholid Agustina, Tiara Putri AHMADI Ainun Makin Alaa Nuurin, Nuurun Almustofa, Sodiq Amin Awal Amarudin Andrea Cahya Fantika Sari Arivatu Ni'mati Rahmatika Ashlihah Auliya, Devi Ayuningtyas, Eka Bekti Widyaningsih Budi Prasetyo, Tio Dini Nafisa Salsabila Dzikrulloh, Dzikrulloh Elsa Setya Putri Fathoni , AB. Musyafa Haya Fatimah iit Mazidah Irkhamilatul Faizah Kusuma, Saiful Aminudin Al Laila Ma'rufah Luthfi Mufidatur Rohmah Ma'arif, Samsul Maupe, Masnur Daeng Ma’arif, Samsul Muhamad Agil Muhamad Khoirur Roziqin Muhamad Wahyudi, Muhamad Muhammad Charis Darmawan Muhammad Zaim Dzulkarnain Mustamim Mustamim Nizar Khiftirus Sunah, M. Nur Janna, Sahra Ayu Pipit widya Tutik Prasetyo, Muhamad Andhika Budi Rachmawati, Novia Rizki Wulandari Saiful Aminudin Al Kusuma Salsabila, Dini Nafisa Samsul Ma'arif Santoso, Lisa Anggreini Sholikhah, Safitri Sri Oktavianah SRI UTAMI Suyudi Suyudi, Suyudi Yudi, Usman Zunaidi, Arif