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All Journal YUDISIA : Jurnal Pemikiran Hukum dan Hukum Islam Jurnal Ilmiah Ekonomi Islam Jurnal Pengabdian Pada Masyarakat Wahana Islamika: Jurnal Studi Keislaman Isti`dal : Jurnal Studi Hukum Islam Adimas : Jurnal Pengabdian Kepada Masyarakat Ad-Deenar: Jurnal Ekonomi dan Bisnis Islam JES (Jurnal Ekonomi Syariah VALUE: Jurnal Ilmiah Akuntansi, Keuangan dan Bisnis AKM: Aksi Kepada Masyarakat Jurnal Pengabdian Multidisiplin Labatila: Jurnal Ilmu Ekonomi Islam Jurnal Ekonomika Dan Bisnis Jurnal Perbankan Syariah Darussalam (JPSDa) Borneo : Journal of Islamic Studies Wahana Islamika: Jurnal Studi Keislaman Al-Kharaj: Jurnal Ekonomi, Keuangan & Bisnis Syariah El-Mal: Jurnal Kajian Ekonomi & Bisnis Islam Sharef: Journal of Sharia Economics and Finance Journal of Ekonomics, Finance, and Management Studies J-CEKI Jurnal Ekonomi, Manajemen, Akuntansi PESHUM Jurnal of Islamic Economic Studies
Mubarok, Ahmad Fauzan
Program Studi Perbankan Syariah UNISNU Jepara
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TABUNGAN SI IKAN SYARIAH SOLUSI PENDAPATAN BAGI KELUARGA NELAYAN Aulia, Rizka; Mubarok, Ahmad Fauzan; ‘Aini, Nurul Zakiyatul; Nandiroh, Nandiroh; Ummah, Khoirul; Rosyada, Amrina
ADIMAS Jurnal Pengabdian Kepada Masyarakat Vol 6, No 2 (2022): September
Publisher : Universitas Muhammadiyah Ponorogo

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.24269/adi.v6i2.4077

Abstract

Kegiatan Pengabdian kepada Masyarakat Kolaborasi Mahasiswa dan Dosen (PMKMD) ini bertujuan untuk memberikan wawasan serta memberikan pendidikan bagi keluarga nelayan dalam merencanakan keuangan yang lebih baik dan terencana serta sesuai dengan syariah Islam. Untuk mencapai tujuan tersebut dilaksanakan dengan menggunakan metode campuran yakni daring-luring. Dimulai dengan memberikan penjabaran pada mitra mengenai program tabungan yang akan dilakukan, tanya jawab, demonstrasi dan pembuatan tabungan oleh mitra dengan narasumber. Selanjutnya dilakukan monitoring secara daring pada mitra mengenai keberlangsungan program yang telah diajarkan.Hasil pengabdian menunjukkan bahwa program PMKMD berlangsung baik dan berjalan lancar. Antusiasisme keluarga nelayan untuk melaksanakan program pengabdian yang kami tawarkan terlihat selama proses sosialisasi. Namun ada beberapa kendala yang dihadapi oleh mitra, salah satunya dikarenakan hasil dari tangkapan ikan yang tidak menentu, sehingga sulit untuk melaksanakan program Tabungan Si Ikan Syariah. Kekecewaan para keluarga nelayan dapat teratasi dengan menggunakan sistem menabung satu minggu dilakukan sekali. Adapun kendala lain yang dialami oleh para keluarga nelayan ketika sesi pelatihan perhitungan dan bagi hasil yang diberikan untuk anggota serta pencatatan pada buku besar, namun hal ini dapat diatasi dengan metode pendampingan.  
Pengaruh Kualitas Pelayanan Dan Penanganan Keluhan Terhadap Pembiayaan Bermasalah Di BMT Artha Abadi Ika Wahyu Purnama; Miswan Ansori; Mubarok, Ahmad Fauzan
JPSDa: Jurnal Perbankan Syariah Darussalam Vol. 5 No. 1 (2025): Januari 2025
Publisher : Institut Agama Islam Darussalam Blokagung Banyuwangi

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.30739/jpsda.v5i1.3347

Abstract

This research aims to analyze the influence of service quality and complaint handling on problematic financing at BMT Artha Abadi Jepara. The method used in this research is a quantitative method with a field research design. The research sample was 32 respondents. The data analysis used is multiple linear regression analysis with the help of SmartPLS4 software. The research results show that service quality has no effect on financing problems at BMT Artha Abadi Jepara (p-value: 0.384>0.05). Handling complaints has no effect on problematic financing at BMT Artha Abadi Jepara (p-value: 0.215>0.05). Service quality and complaint handling simultaneously or together influence problematic financing at BMT Artha Abadi Jepara (p-value: 0.000<0.05). The results of this research can be an alternative solution to reduce the high number of financing problems that often occur in various financial institutions. Through this research, it was found that jointly or simultaneously, service quality and complaint handling can influence problematic financing. In this way, it is hoped that it can make a contribution to financial institutions experiencing problems related to problematic financing.
Peran Lembaga Keuangan Mikro Syariah dalam Meningkatkan Perekonomian Masyarakat di Desa Tahunan M.Fajar Aditya; Miswan Ansori; Ahmad Fauzan Mubarok
EKOMA : Jurnal Ekonomi, Manajemen, Akuntansi Vol. 4 No. 2: Januari 2025
Publisher : CV. Ulil Albab Corp

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.56799/ekoma.v4i2.6101

Abstract

Penelitian ini menganalisis peran Lembaga Keuangan Mikro Syariah (LKMS) dalam meningkatkan perekonomian masyarakat di Desa Tahunan. LKMS menyediakan pembiayaan berbasis prinsip syariah yang bebas bunga bagi pelaku usaha mikro, kecil, dan menengah (UMKM) serta petani, sehingga memungkinkan mereka memperluas usaha tanpa beban bunga yang tinggi. Penelitian ini menggunakan pendekatan kualitatif dengan metode wawancara dan observasi terhadap 10 pengusaha lokal. Hasil penelitian menunjukkan bahwa pembiayaan syariah yang diberikan LKMS membantu peningkatan produksi, memperluas akses pasar, dan membuka lapangan kerja baru. Selain itu, program pendampingan yang mencakup pelatihan manajemen keuangan dan pemasaran turut meningkatkan kapasitas usaha para pengusaha lokal. Secara keseluruhan, kehadiran LKMS memberikan dampak positif pada ekonomi masyarakat, meningkatkan kesejahteraan, dan mendorong inklusi keuangan di daerah pedesaan.
Pengaruh Work Life Balance, Stres Kerja dan Lingkungan Kerja Terhadap Kinerja Pegawai BMT Al Hikmah Semesta Intan Khoirun Nisa; Ahmad Fauzan Mubarok; Cahyaning Budi Utami
J-CEKI : Jurnal Cendekia Ilmiah Vol. 4 No. 3: April 2025
Publisher : CV. ULIL ALBAB CORP

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.56799/jceki.v4i3.8208

Abstract

This study aims to analyze the effect of work-life balance, work stress, and work environment on employee performance at BMT Al Hikmah Semesta. A quantitative approach was used involving 41 respondents who were selected as samples. Primary data collection was conducted through observation and structured questionnaires distributed through the Google Forms platform. Descriptive statistical analysis, validity and reliability tests, classical assumption tests, and hypothesis testing were conducted to test the relationship between variables. The results showed that work-life balance and work environment partially have a positive and significant influence on employee performance. However, work stress does not show a significant influence on employee performance. Furthermore, simultaneously, work-life balance, work stress, and work environment together have a positive and significant influence on the performance of BMT Al Hikmah Semesta employees. These findings provide important implications for BMT Al Hikmah Semesta management in an effort to improve employee performance through managing work-life balance, reducing work stress, and creating a conducive work environment
Tantangan Perbankan Syariah Dalam Pemberdayaan UMKM Di Indonesia Shodiq, Ricky Jafar; Mubarok, Ahmad Fauzan
PESHUM : Jurnal Pendidikan, Sosial dan Humaniora Vol. 4 No. 3: April 2025
Publisher : CV. Ulil Albab Corp

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.56799/peshum.v4i3.8664

Abstract

Sharia banking is one of the banks that is popular with the Indonesian people because it uses Islamic principles. This makes it easier for customers to carry out transactions with sharia banks. However, with changing times and government regulations regarding 12% VAT, of course, it presents a new challenge for Islamic banks in empowering MSMEs. This research aims to determine the challenges of Islamic banking in empowering MSMEs in Indonesia and at the same time provide solutions to overcome these challenges. The research method used in this research is literature study. The research results show that changing VAT to 12% has an impact on Islamic banks in empowering MSMEs because business people are concerned about the price of goods production. Sharia banks also need to make improvements in application access to make it easier to keep up with changing times and make transactions easier for customers. Proper empowerment and education for MSMEs carried out by Islamic banks will have a good impact on MSME players.
ANALYSIS OF THE IMPLEMENTATION OF THE PRUDENTIAL PRINCIPLE IN THE FINANCING OF BA’I BITSAMAN ‘AJIL AT KSPPS GUNA LESTARI JAYA, TROSO BRANCH Alma'lufah, Robi'ah; Mubarok, Ahmad Fauzan; Utami, Cahyaning Budi
Ad-Deenar: Jurnal Ekonomi dan Bisnis Islam Vol. 9 No. 001 (2025): Ad-Deenar: Jurnal Ekonomi dan Bisnis Islam Special Issue
Publisher : Sekolah Tinggi Agama Islam Al Hidayah Bogor

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.30868/ad.v9i001.8762

Abstract

Ba'i Bitsaman Ajil financing is financing carried out with a system of buying and selling goods that can be paid in installments that require the application of prudential principles to maintain the stability and sustainability of cooperative finances. The main focus of the study is the evaluation of the application of prudential principles in the process of distributing Ba'i Bitsaman Ajil financing, as well as identifying internal and external obstacles faced. The study used a descriptive qualitative approach with a field study method, involving interviews, observations, and documentation. The results of the study indicate that the implementation of prudential principles in distribution is applied through 5C analysis, verification of non-fictional and guaranteed objects of sale and purchase, restrictions on financing ceilings, and committee meeting mechanisms. However, several obstacles were still found, such as limited human resources, manual administration systems, lack of transparency of borrower finances, unstable economic conditions, risk of bias in the verification process carried out with borrower neighbors, and low legal literacy of members. Therefore, it is necessary to strengthen human resource capacity, digitalization, increase education for members, and economic and social monitoring to optimize the implementation of prudential principles
Analisis Implementasi dan Evaluasi Fitur SIMKO Mobile KSPPS BMT Lima Satu Jepara Melalui Pendekatan Model UTAUT Benzi, Kifa Yola; Mubarok, Ahmad Fauzan; Utami, Cahyaning Budi
LABATILA : Jurnal Ilmu Ekonomi Islam Vol 9 No 01 (2025)
Publisher : Lembaga Penelitian dan Pengembangan Masyarakat IAINU Kebumen

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.33507/lab.v9i01.2783

Abstract

This study aims to evaluate the implementation of the SIMKO Mobile feature at KSPPS BMT Lima Satu Jepara using the UTAUT model approach. SIMKO Mobile is a digital application developed to make it easier for cooperative members to access financial services such as checking balances, transaction history, and saving and borrowing independently. The results of the study indicate that the implementation of this application can improve service efficiency and provide flexibility for officers and members. However, there are several inhibiting factors that are divided into two categories, namely internal and external. Internal factors include lack of socialization, unavailability of adequate guidance, and application features that do not fully meet the needs of members. While external factors include limited devices, unstable internet connections, and member preferences for alternative services such as WhatsApp Mobile. Evaluation using the UTAUT model shows that although performance expectations and ease of use are quite good, social factors and supporting facilities are still not optimal. For this reason, it is necessary to strengthen the promotion strategy, develop features that are more in accordance with user needs, and increase digital education for members so that the implementation of SIMKO Mobile can run more optimally and have a significant impact on the cooperative.
ANALISIS PENERAPAN AKAD MUDHARABAH DALAM PRODUK TABUNGAN HAJI DAN UMROH PADA BTN SYARIAH KCPS KUDUS Rokmah, Fadilatur; Wahidullah, Wahidullah; Mubarok, Ahmad Fauzan
Borneo : Journal of Islamic Studies Vol. 5 No. 2 (2025): BORNEO: Journal of Islamic Studies
Publisher : Institut Agama Islam Sultan Muhammad Syafiuddin Sambas

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.37567/borneo.v5i2.3769

Abstract

Islamic banking in Indonesia has experienced significant growth, driven by increased public awareness, supportive regulations, and product innovations such as hajj and umroh savings. This study analyzes the application of the mudharabah contract in hajj and umroh savings products at BTN Syariah KCPS Kudus, focusing on compliance with sharia principles and economic effectiveness. Employing a qualitative approach through interviews, observations, and documentation, the study finds that the applied mudharabah muthlaqah contract complies with the DSN-MUI Fatwa, with a profit-sharing ratio of 45:55 and fund management through sharia-compliant instruments. However, low customer literacy and lack of transparency in fund management pose significant challenges. Economically, the product supports the growth of third-party funds (from IDR 3.8 billion in 2022 to IDR 4.5 billion in 2023), but the economic benefits for customers are less significant, as their primary motivation is hajj registration rather than profit sharing. The study recommends enhancing sharia education, transparency, and product innovation to optimize sharia compliance and economic benefits.
Analisis Simpanan Mitra Berjangka (SI MIKA) Menurut Fatwa DSN MUI Nomor 115/DSN-MUI/IX/2017 Dhona, Risma; Mubarok, Ahmad Fauzan; Nafisah, Zahrotun
Jurnal Ekonomika Dan Bisnis (JEBS) Vol. 5 No. 1 (2025): Januari - Februari
Publisher : CV. ITTC INDONESIA

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.47233/jebs.v5i1.2611

Abstract

This research found the suitability of the term savings product (Si Mika) at the Sharia Savings and Loans and Financing Cooperative (KSPPS) BMT Mitra Utama Jepara with the DSN MUI Fatwa Number 115/DSN-MUI/IX/2017. The method used is descriptive qualitative, with data collection through interviews, observation and dokumentation. The research result show that Si Mika products use the Wadiah contract, even though they should use the Mudharabah contract according to the applicable fatwa. There are discrepancies in practice, especially regarding transparency and understanding of contracts among employees and members. Many members do not understand the contracts and profit sharing calculations, and there are differences in understanding between the Sharia Supervisory Board (DPS) and management. This research recommends that KSPPS BMT Mitra Utama consider changing the Wadiah contract to a Mudharabah contract and improve communication and understanding of the product between all parties. It is hoped that these findings will provide insight for KSPPS managers in ensuring the conformity of their products with sharia principles and increase member trust.
Dampak Pembiayaan BMT Bintang Songo Berkah Pada Pendanaan Pendidikan Anak Erny Nur'Aini; Ahmad Fauzan Mubarok; Zahrotun Nafisah
Sharef: Journal of Sharia Economics and Finance Vol 3 No 2 (2025): Journal of Sharia Economics and Finance Vol. 3 No. 2 (2025)
Publisher : Universitas Islam Nahdlatul Ulama Jepara

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.34001/jsef.v3i2.1376

Abstract

Penelitian ini bertujuan untuk mengetahui dampak layanan pembiayaan di BMT Bintang Songo Berkah Pecangaan terhadap pendanaan pendidikan anak. Topik ini penting mengingat banyak keluarga yang kesulitan dalam membiayai pendidikan anak. Penelitian menggunakan pendekatan kualitatif dengan teknik pengumpulan data primer melalui wawancara, observasi, dan dokumentasi, serta data sekunder dari skripsi, jurnal, buku ajar, dan website. Metode analisis yang digunakan adalah studi kasus dan deskriptif, dengan sampel 15 informan, terdiri dari 12 anggota dan 3 pegawai BMT. Pengambilan sampel dilakukan dengan teknik snowball sampling. Hasil penelitian menunjukkan bahwa sebelum menggunakan layanan pembiayaan, anggota BMT mengalami kesulitan finansial seperti manajemen keuangan yang buruk, tunggakan biaya sekolah, dan kesulitan membeli kebutuhan sekolah anak. Setelah menggunakan layanan, anggota merasakan dampak positif di bidang ekonomi, keluarga, dan pribadi, seperti keuangan yang lebih teratur, peningkatan kesejahteraan keluarga, serta kemajuan dalam pendidikan anak. Bagi BMT, layanan pembiayaan membantu meningkatkan modal, keuntungan, dan pengelolaan keuangan, serta menarik lebih banyak anggota. Kesimpulannya, layanan pembiayaan BMT memberikan dampak signifikan bagi anggota dalam mendukung pendidikan anak dan meningkatkan kemajuan ekonomi keluarga. Hal ini menunjukkan pentingnya akses pembiayaan yang mudah dan terjangkau bagi masyarakat.
Co-Authors Aditya, M.Fajar Alma'lufah, Robi'ah Amalia, Lutfi Nur Amrina Rosyada Ana Pratiwi Anggisna Laila Nurrahmawati Ansori, Miswan AULIA, RIZKA ‘Aini, Nurul Zakiyatul Benzi, Kifa Yola Budi Utami, Cahyaning Cahyaning Budi Utami Chailis Agmelia Khaeroni Dhona, Risma Diah Alfin Nurwahyu Lailita Diva Mustamar Syadid Erny Nur'Aini Hasnah Haron Hazmi, Faiqul I Nyoman Budiono Ika Lailatun Nikmah Ika Wahyu Purnama Intan Khoirun Nisa Iza Kholila Khotibul Umam Laila, Mega Nor Listianingrum, Lailiya M.Fajar Aditya Mega Nor Laila Miftakhul Khasanah Muhammad Khoirul latif Nadia Azalia Putri Nafisah, Zahrotun Nafisah, Zahrotun Nandiroh Nandiroh Nur Aima Shafie Rahayu Nur Auliya Robiah Alma’lufah Rokmah, Fadilatur Saiful Bakhri Selvi Riyani Shodiq, Ricky Jafar Siti Hasanah Siti Kadariah Sukma Dewi Pratama Sukma Dewi Pratama Sulistyowati Syahriar, Alfa Ummah, Khoirul Utami, Cahyaning Budi Wahidullah Wahidullah, Wahidullah zahrotun nafisah Zahwa Naelal Firdausi Zulfa, Ainiyatuz ‘Aini, Nurul Zakiyatul