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All Journal YUDISIA : Jurnal Pemikiran Hukum dan Hukum Islam JURNAL IQTISAD: Reconstruction of Justice and Welfare for Indonesia 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 Jurnal Ekonomi Syariah Pelita Bangsa 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 Horizon: Indonesian Journal of Multidisciplinary Indonesian Journal of Innovation Science and Knowledge Sharef: Journal of Sharia Economics and Finance Jurnal Cendekia Ilmiah Jurnal Ekonomi, Manajemen, Akuntansi PESHUM BAABU AL-ILMI: Ekonomi dan Perbankan Syariah Jurnal of Islamic Economic Studies Wahana Islamika; Jurnal Studi Keislaman Muwazah: Jurnal Kajian Gender The Indonesian Journal of Islamic Economics Research
Mubarok, Ahmad Fauzan
Program Studi Perbankan Syariah UNISNU Jepara
Religion Agriculture, Biological Sciences & Forestry Arts Humanities Civil Engineering, Building, Construction & Architecture Decision Sciences, Operations Research & Management Economics, Econometrics & Finance Education Engineering Industrial & Manufacturing Engineering Languange, Linguistic, Communication & Media Law, Crime, Criminology & Criminal Justice Public Health Social Sciences Other

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Analisis Kelayakan Anggota Dalam Pembiayaan Qardh Bisyarti Rahni di KSPPS-BMT Lima Satu Cabang Kedung Anggisna Laila Nurrahmawati; Ahmad Fauzan Mubarok; Zahrotun Nafisah
Jurnal Ilmiah Ekonomi Islam Vol. 11 No. 05 (2025): JIEI : Vol. 11, No. 05, 2025
Publisher : ITB AAS INDONESIA Surakarta

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.29040/jiei.v11i05.18262

Abstract

This study aims to analyze the eligibility of members in Qardh Bisyarti Rahni financing at KSPPS BMT Lima Satu Kedung Branch using the 6C assessment (Character, Capacity, Capital, Collateral, Condition of economy and Compliance). The research method used is descriptive qualitative, with data collection through in-depth interviews, documentation, and direct observation. The results of the study indicate that the eligibility of members in this financing is influenced by several factors, including financial capacity, previous financing history, and members' commitment to sharia principles that avoid usury, gharar and maysir. BMT Lima Satu not only provides funds effectively to support the utilization of financing by members. In addition, this institution implements strict procedures to ensure compliance with sharia principles. This research is expected to contribute to the development of more effective and efficient sharia financing products in the future, as well as improving the welfare of members through responsible financing access.
Administrative Pitfalls in Gender Mainstreaming Practices: Learning from 3 districts: Jepara Regency, Pati Regency and Pemalang Regency Mayadina Rohmi Musfiroh; Ahmad Fauzan Mubarok
MUWAZAH : jurnal kajian gender Vol 16 No 2 (2024)
Publisher : Universitas Islam Negeri K.H. Abdurrahman Wahid Pekalongan

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.28918/muwazah.v16i2.8718

Abstract

The gender mainstreaming (GM) policy was released 24 years ago. However, on the way, it still has not had a significant impact on the realization of gender equality and justice. In fact, in many cases, there has actually been an increase in violence against women and children in Indonesia. This article aims to explore the context behind the birth of regulations on gender mainstreaming in three districts (Pemalang, Pati, and Jepara) and to examine the effectiveness of the implementation of gender mainstreaming in the three districts. This article uses qualitative methods and field research. This article reveals several findings, including; First, the biggest challenge in implementing gender mainstreaming lies in the commitment and capacity of system actors in gender mainstreaming in each district; Second, the commitment of policymakers has not been accompanied by effective implementation and monitoring and evaluation. Therefore, it is necessary to bridge commitments, regulations, and policy implementation so that the implementation of gender mainstreaming is not trapped in formalities and even tends to be normative-administrative. More than that, gender mainstreaming must have an impact on gender equality and justice, disability, and inclusivity in society with its original goal.
Pengaruh Literasi Keuangan Syariah dan Kemudahan Terhadap Penggunaan Mobile Banking Syariah di Masyarakat Desa Bapangan Kecamatan Jepara Rita Dwi Octavia; Wahidullah Wahidullah; Ahmad Fauzan Mubarok
Jurnal BAABU AL-ILMI: Ekonomi dan Perbankan Syariah Vol 11, No 2 (2026): Islamic economics and banking research
Publisher : Universitas Islam Negeri Fatmawati Sukarno Bengkulu

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.29300/ba.v11i2.10695

Abstract

This study aims to analyze the influence of Islamic financial literacy and ease of use on the adoption of Islamic mobile banking in the community of Bapangan Village, Jepara District. The background for this research is the relatively low adoption rate of Islamic mobile banking despite its significant potential, which is presumed to be influenced by understanding (literacy) and technological ease of use. This research employed a quantitative approach. The research sample consisted of 98 respondents who are customers of Islamic banks in Bapangan Village, selected using a purposive sampling technique. Data was collected via questionnaires and analyzed using multiple linear regression. The results showed that: (1) Islamic financial literacy has a positive and significant effect on the adoption of Islamic mobile banking (Sig. 0.000); (2) Ease of use has a positive and significant effect on the adoption of Islamic mobile banking (Sig. 0.000); and (3) Islamic financial literacy and ease of use simultaneously have a positive and significant effect on the adoption of Islamic mobile banking (Sig. 0.000). The Adjusted R Square value of 0.894 indicates that 89.4% of the variation in Islamic mobile banking adoption can be explained by these two variables. These findings imply that enhancing literacy and optimizing application usability are key factors in driving the adoption of Islamic digital banking services.
Analisis Pembiayaan Modal Pertanian Berdasarkan Akad Rahn Tasjily di BMT Al-Hikmah Semesta Cabang Kaliaman Putri Maulidia; Ahmad Fauzan Mubarok; Imron Choeri
HORIZON: Indonesian Journal of Multidisciplinary Vol. 4 No. 3 (2026): HORIZON: Indonesian Journal of Multidisciplinary
Publisher : Lembaga Intelektual Muda (LIM) Maluku

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.54373/hijm.v4i3.5762

Abstract

This study aims to analyze the implementation and impact of agricultural capital financing based on the Rahn Tasjily contract at the KSPPS BMT Al-Hikmah Semesta, Kaliaman Branch. The study used a qualitative descriptive approach with a case study method. Data collection techniques were carried out through field observations, in-depth interviews with managers and members receiving financing, and documentation related to the implementation of agricultural financing. Data were analyzed using interactive analysis techniques that include data reduction, data presentation, and drawing conclusions to obtain a comprehensive picture of the implementation of the Rahn Tasjily contract. The results of the study indicate that this financing helps farmers obtain business capital more easily without losing ownership of collateral assets. The financing is used to purchase seeds, fertilizers, and agricultural production inputs, thereby supporting increased productivity and farmer income. In addition, this sharia-based financing also helps reduce farmers' dependence on loan sharks. However, the study found several obstacles, such as low sharia financial literacy, the risk of crop failure, fluctuations in commodity prices, and weak collateral legality. Therefore, it is necessary to strengthen education, risk management, and financing governance to ensure the sustainability of the program.
Empirical study: social and financial performance of Islamic rural bank in Indonesia Cahyaning Budi Utami; Ahmad Fauzan Mubarok; Madha Adi Ivantri; Zakiyatul Minah; Lutfi Nur Amalia
Indonesian Journal of Islamic Economics Research Vol. 6 No. 1 (2024)
Publisher : Faculty of Islamic Economics and Business UIN Salatiga

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.18326/ijier.v5i1.1854

Abstract

Islamic Rural Bank (BPRS) in Indonesia have developed rapidly and reached the lower levels of society. As an islamic institution, BPRS has both financial and social purpose. The effect of social performance on financial performance in BPRS has yet to be widely studied, especially using quantitative data over a long period. This research aims to determine the influence of social performance on financial performance at BPRS in Indonesia. This research uses internal factors (bank characteristics) and external factors (macroeconomic variables) as control variables. Generalized Method of Moments (GMM) parameter was used with Stata software to estimate selected BPRS panel data in the 2012-2021. The result shows that zakat has a positive and significant effect on financial performance at a significance level 0.01. The managerial implication of this study is to encourage Islamic rural banks to pay and report zakat.
Pengaruh Return On Asset (ROA), Return On Equity (ROE), Dan Non Performing Financing (NPF) Terhadap Pertumbuhan Laba BPRS Di Jawa Tengah Tahun 2021-2025 Vita Himmatul Hasanah; Ahmad Fauzan Mubarok; Imron Choeri
Indonesian Journal of Innovation Science and Knowledge Vol. 3 No. 3 (2026): IJISK 2026
Publisher : Fakultas Pendidikan Ilmu Keguruan, Universitas Pahlawan Tuanku Tambusai

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.31004/ijisk.v3i3.222

Abstract

This study analyzes the effect of Return on Assets (ROA), Return on Equity (ROE), and Non-Performing Financing (NPF) on the profit growth of Islamic Rural Banks (BPRS) in Central Java during the 2021–2025 period. The study employs secondary data obtained from the quarterly published financial statements of BPRS Artha Amanah Ummat and BPRS Hikmah Khazanah. The sample consists of an unbalanced pooled dataset of 37 bank-quarter observations, including 17 observations from BPRS Artha Amanah Ummat and 20 observations from BPRS Hikmah Khazanah. The data were analyzed using multiple linear regression. Descriptive statistics indicate average values of 2.436% for ROA, 10.312% for ROE, 2.260% for Net NPF, and 19.706% for profit growth. The residuals were not normally distributed (Shapiro–Wilk = 0.735; p < 0.001), although the model showed no evidence of multicollinearity or heteroscedasticity. Positive autocorrelation was detected, as indicated by a Durbin–Watson statistic of 0.683 and a Breusch–Godfrey test with p < 0.001. The estimated regression equation is:Profit Growth = −33.092 + 15.534 ROA − 0.209 ROE + 7.567 NPF.Partially, ROA (p = 0.444), ROE (p = 0.942), and NPF (p = 0.529) did not have a statistically significant effect on profit growth. Simultaneously, the regression model was not statistically significant (F = 0.299; p = 0.826). The coefficient of determination (R²) was 0.026, indicating that the model explains only 2.6% of the variation in profit growth. A robustness test using HAC(1) standard errors produced the same conclusion. These findings suggest that quarterly profit growth is influenced more by factors other than ROA, ROE, and NPF.
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 Kepatuhan Syariah Dan Kualitas Pelayanan Terhadap Kepercayaan Anggota Pada Produk Si Kaya Di BMT Yamamus Jepara Nafalya Fauziah Amri; Ahmad Fauzan Mubarok; Zahrotun Nafisah
EKOMA : Jurnal Ekonomi, Manajemen, Akuntansi Vol. 5 No. 4: Mei 2026
Publisher : CV. Ulil Albab Corp

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.56799/ekoma.v5i4.15757

Abstract

Penelitian ini dilatarbelakangi oleh rendahnya partisipasi anggota, yakni hanya 1,43%, pada produk Simpanan Berjangka "Si Kaya" di BMT Yamamus Jepara, meskipun menawarkan skema bagi hasil yang sangat kompetitif. Fenomena ini mengindikasikan adanya masalah pada tingkat kepercayaan anggota terhadap produk tersebut. Tujuan penelitian ini adalah menganalisis pengaruh kepatuhan syariah dan kualitas pelayanan secara parsial maupun simultan terhadap kepercayaan anggota. Penelitian ini menggunakan pendekatan kuantitatif kausal. Sampel ditentukan dengan metode sensus (sampling jenuh) terhadap keseluruhan 33 anggota aktif pengguna produk Si Kaya. Pengumpulan data menggunakan instrumen kuesioner, yang kemudian dianalisis melalui uji regresi linear berganda. Hasil penelitian membuktikan bahwa secara parsial, kepatuhan syariah berpengaruh positif dan signifikan terhadap kepercayaan anggota , sedangkan kualitas pelayanan tidak berpengaruh signifikan. Namun secara simultan, kepatuhan syariah dan kualitas pelayanan secara bersama-sama berpengaruh signifikan terhadap kepercayaan anggota dengan kontribusi pengaruh sebesar 22,2%. Kesimpulannya, kepatuhan syariah merupakan determinan utama yang tidak dapat ditawar dalam membangun kepercayaan anggota dibandingkan aspek pelayanan administratif. Temuan ini memberikan masukan penting bagi BMT untuk memprioritaskan transparansi tata kelola syariah guna mendukung stabilitas likuiditas lembaga di masa depan.
Implementasi Pembiayaan Modal Kerja BMT Artha Yappi Dalam Meningkatkan UMKM Putra Tambak Rejo Furniture Jepara Syarifatul Wardah; Wahidullah; Ahmad Fauzan Mubarok
Jurnal Ekonomi Syariah Pelita Bangsa Vol. 11 No. 01 (2026): JESPB Edisi April 2026
Publisher : DPPM Universitas Pelita Bangsa

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.37366/jespb.v11i01.3204

Abstract

This study aims to analyze the role of working capital financing provided by BMT Artha Yappi in improving the performance of Putra Tambak Rejo Furniture as a Micro, Small, and Medium Enterprise (MSME) in the furniture sector. The method used a descriptive qualitative approach and case study design, with data collected through in-depth interviews, participatory observation, and documentation studies. The results of the study show that working capital financing of IDR 40 million with a Murabahah contract was effectively allocated for the purchase of modern sanding machines and additional raw materials. The implementation of this financing had a significant impact on improving business performance, as evidenced by a 50% increase in production capacity (from 10 to 15 sets/month) and a 40% increase in monthly turnover (from IDR 50 million to IDR 70 million). This success was not only driven by capital factors, but also reinforced by the role of BMT Artha Yappi in providing intensive technical and managerial assistance.
Analisis Persepsi Nasabah Terhadap Produk Tabungan Perencanaan Berjangka Syariah (TAPENAS) di BSI KCP Jepara Alfiyah, Qodriyatul; Ansori, Miswan; Mubarok, Ahmad Fauzan
HORIZON: Indonesian Journal of Multidisciplinary Vol. 4 No. 4 (2026): HORIZON: Indonesian Journal of Multidisciplinary
Publisher : Lembaga Intelektual Muda (LIM) Maluku

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.54373/hijm.v4i4.6828

Abstract

The Sharia Term Savings Planning (Tapenas) product is a term savings service that helps customers prepare for future financial needs based on sharia principles. This study aims to analyze customer perceptions of the Tapenas product at BSI KCP Jepara and identify factors that influence these perceptions. This study uses a qualitative descriptive approach with a field research method. Data were collected through interviews, observations, and documentation of informants selected using a purposive sampling technique. Data analysis was carried out through the stages of data reduction, data presentation, and conclusion drawing. The results show that customers have a positive perception of the Tapenas product because it is considered to support long-term financial planning, provide a sense of security in fund management, and is in accordance with sharia principles. This perception is influenced by customer knowledge of the product, service quality, promotions, user experience, and level of trust in the bank. These findings suggest that strengthening product education and more informative marketing communications are needed to increase public understanding and interest in sharia-based term savings products
Co-Authors Aditya, M.Fajar Alfiyah, Qodriyatul 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 Imron Choeri Intan Khoirun Nisa Iza Kholila Khotibul Umam Laila, Mega Nor Listianingrum, Lailiya Lutfi Nur Amalia M.Fajar Aditya Madha Adi Ivantri, Madha Adi Maula Ristya Mayadina Rohmi Musfiroh Mega Nor Laila Miftakhul Khasanah Muhammad Khoirul latif Nafalya Fauziah Amri Nafisah, Zahrotun Nafisah, Zahrotun Nandiroh Nandiroh Nur Aima Shafie Putri Maulidia Putri, Nadia Azalia Rahayu Nur Auliya Rita Dwi Octavia Rizki Ilham Maulana Rizky Nofandra Robiah Alma’lufah Rokmah, Fadilatur Saiful Bakhri Selvi Riyani Shodiq, Ricky Jafar Siti Hasanah Siti Kadariah Sukma Dewi Pratama Sulistyowati Syahriar, Alfa Syarifatul Wardah Ummah, Khoirul Utami, Cahyaning Budi Vita Himmatul Hasanah Wahidullah Wahidullah Wahidullah, Wahidullah zahrotun nafisah Zahwa Naelal Firdausi Zakiyatul Minah Zulfa, Ainiyatuz ‘Aini, Nurul Zakiyatul