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Implementation of the MMQ Agreement in KPR ProductsOn Increasing Financing at Bank Muamalat KCP Kuningan Diah Syifaa'tu Zahro; Achmad Kholiq; Mariyah Ulfah
JOURNAL OF ISLAMIC ECONOMICS AND BUSSINES ETHICS Vol 1 No 1 (2024)
Publisher : IAIN Syekh Nurjati Cirebon

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.24235/jiesbi.v1i1.97

In Indonesia, the housing problem is very big, especially in metropolitan areas. Bank Muamalat offers iB Hijrah KPR with Murabahah and musyarakah mutanaqishah contract options. The research was conducted to understand the implementation of the musyarakah mutanaqisah contract in KPR products. on KPR Financing at Bank Muamlat KCP Kuningan. And the results of implementing the musyarakah mutanaqisah agreement on KPR products in increasing KPR financing at Bank Muamalat KCP Kuningan. This research uses a qualitative approach, with data sources used namely primary and secondary, and data collection techniques of observation, interviews, and documentation. Bank Muamalat KCP Kuningan implements the musyarakah mutanaqisah agreement in the iB Hijrah KPR financing product through three stages, including BI Checking for husbands and wives with five columns of financial assessment. The financing process involves musyarakah mutanaqisah and ijarah contracts, where customers gradually buy a house from the bank. Despite facing challenges in public understanding and document requirements, the bank carried out a thorough feasibility assessment process. Thus, the implementation of the musyarakah mutanaqisah agreement was proven to have a positive impact on increasing mortgage financing. Increasing the number of customers and sales volume of mortgage products with promotional and educational efforts. Annual data records increases and decreases in mortgage financing at Bank Muamalat KCP Kuningan. As seen from the annual data of Bank Muamalat Indonesia for 2022-2023 there has been an increase and in 2019-2021 there has been an increase and decrease. Bank Muamalat KCP Kuningan succeeded in overcoming obstacles in understanding and obtaining IMB in the implementation of the Musyarakah Mutanaqisah KPR iB Hijrah Agreement by implementing a relief policy. As well as being able to restore increased financing using a promotion, and education to the community, educational institutions, and government.

Evaluasi Undang-Undang No. 13 Tahun 2003 Terhadap Perlindugan Hak-Hak Tenaga Kerja Di Provinsi Banten Dwi Noviati; Nurmalasari; Mariyah Ulfah; Annaelmyra Hawa; Enjum Jumhana
Konsensus : Jurnal Ilmu Pertahanan, Hukum dan Ilmu Komunikasi Vol. 2 No. 1 (2025): Februari : KONSENSUS : Jurnal Ilmu Pertahanan, Hukum dan Ilmu Komunikasi
Publisher : Asosiasi Peneliti Dan Pengajar Ilmu Sosial Indonesia

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.62383/konsensus.v2i1.615

This study uses a descriptive qualitative method, with a systematic literature review approach. Data collection techniques are based on literature studies. With this, the collection of research data using literature studies through literature studies from various appropriate reference sources from journals, books, and internet sources to conduct analysis and classification of the issues or topics being studied. This study uses evaluation theory, because it focuses on the extent to which the policy of Law No. 13 of 2003 has been achieved regarding the protection of labor rights in Banten Province. The results of the study related to the Evaluation of Law No. 13 of 2003 Regarding the Protection of Labor Rights in Banten Province show that it has not been running well and is also not optimal. Where there are still many obstacles that occur in implementing the Law as a legal basis for meeting the needs of the workforce as the purpose of the implementation of Law No. 13 of 2003.

Efektivitas BYOND By BSI dalam Kualitas Pelayanan dan Kepuasan Nasabah di BSI KCP Krian Sidoarjo Eva Fa’izatul A’yun; Mariyah Ulfah
Jurnal Nuansa : Publikasi Ilmu Manajemen dan Ekonomi Syariah Vol. 3 No. 1 (2025): Jurnal Nuansa : Publikasi Ilmu Manajemen dan Ekonomi Syariah
Publisher : Asosiasi Riset Ilmu Manajemen Kewirausahaan dan Bisnis Indonesia

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.61132/nuansa.v3i1.1637

This study aims to analyze the effectiveness of BYOND by BSI in improving service quality and customer satisfaction at BSI KCP Krian Sidoarjo. BYOND by BSI is a digital banking platform designed to improve service quality with various superior features, such as financial transactions, account opening, and service consultations based on sharia principles. The research method used is a qualitative approach with descriptive method. Data was obtained through interviews and Focus Group Discussions (FGD) with employees from various divisions. The results showed that BYOND by BSI provides significant convenience in banking transactions, reduces queues at tellers, and offers sharia-based features that increase customer loyalty. However, challenges such as low digital literacy and transaction security concerns still need to be addressed. The implementation of BYOND by BSI has been positive in improving service quality and customer satisfaction, and strengthening BSI's image as an innovative Islamic bank. BSI needs to continue to improve digital education, strengthen security systems, and develop new features to make BYOND by BSI more effective in the future.

Implementation of the MMQ Agreement in KPR ProductsOn Increasing Financing at Bank Muamalat KCP Kuningan Diah Syifaa'tu Zahro; Achmad Kholiq; Mariyah Ulfah
JOURNAL OF ISLAMIC ECONOMICS AND BUSSINES ETHICS Vol 1 No 1 (2024)
Publisher : IAIN Syekh Nurjati Cirebon

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.24235/jiesbi.v1i1.97

In Indonesia, the housing problem is very big, especially in metropolitan areas. Bank Muamalat offers iB Hijrah KPR with Murabahah and musyarakah mutanaqishah contract options. The research was conducted to understand the implementation of the musyarakah mutanaqisah contract in KPR products. on KPR Financing at Bank Muamlat KCP Kuningan. And the results of implementing the musyarakah mutanaqisah agreement on KPR products in increasing KPR financing at Bank Muamalat KCP Kuningan. This research uses a qualitative approach, with data sources used namely primary and secondary, and data collection techniques of observation, interviews, and documentation. Bank Muamalat KCP Kuningan implements the musyarakah mutanaqisah agreement in the iB Hijrah KPR financing product through three stages, including BI Checking for husbands and wives with five columns of financial assessment. The financing process involves musyarakah mutanaqisah and ijarah contracts, where customers gradually buy a house from the bank. Despite facing challenges in public understanding and document requirements, the bank carried out a thorough feasibility assessment process. Thus, the implementation of the musyarakah mutanaqisah agreement was proven to have a positive impact on increasing mortgage financing. Increasing the number of customers and sales volume of mortgage products with promotional and educational efforts. Annual data records increases and decreases in mortgage financing at Bank Muamalat KCP Kuningan. As seen from the annual data of Bank Muamalat Indonesia for 2022-2023 there has been an increase and in 2019-2021 there has been an increase and decrease. Bank Muamalat KCP Kuningan succeeded in overcoming obstacles in understanding and obtaining IMB in the implementation of the Musyarakah Mutanaqisah KPR iB Hijrah Agreement by implementing a relief policy. As well as being able to restore increased financing using a promotion, and education to the community, educational institutions, and government.

Analis Tantangan Pembiayaan Divisi Konsumer (Mitra Guna Berkah) Di BSI KCP Balung Mariyah Ulfah; Della Citra Sultania Putri; Aida MAulidatul Hasanah; Nur Maufuroh
Menulis: Jurnal Penelitian Nusantara Vol. 1 No. 3 (2025): Menulis - Maret
Publisher : PT. Padang Tekno Corp

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.59435/menulis.v1i3.95

Produk pendanaan Mitpraguna Berkah dari Bank Islam Indonesia (BSI) adalah salah satu solusi keuangan yang mendanai prinsip -prinsip Syariah yang bertujuan untuk memenuhi berbagai kebutuhan masyarakat. Penelitian ini bertujuan untuk mengetahui tantangan pembiayaan mitraguna berkah di BSI KCP Jember Balung. Berikut adalah tantangan Pembiayan Mitraguna Berkah BSI: Persaingan yang Ketat, Penyuluhan dan Edukasi Syariah, Keterbatasan Akses dan Infrastruktur, Risiko Pembiayaan, Tantangan Regulasi dan Kepatuhan Syariah, Perubahan Kondisi Ekonomi, Kepercayaan Nasabah

Implementasi Strategi Marketing Mix Guna Meningkatkan Volume Penjualan Pada PT Sarana Kencana Mulya Jember Annisa Ramadhaniar; Alfiani Diana Fatmawati; Kuntum Amzaka Syifa; Mariyah Ulfah
Menulis: Jurnal Penelitian Nusantara Vol. 1 No. 3 (2025): Menulis - Maret
Publisher : PT. Padang Tekno Corp

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.59435/menulis.v1i3.112

Strategi bauran pemasaran (marketing mix) merupakan perangkat pemasaran yang digunakan oleh perusahaan dengan tujuan untuk mencapai pemasaran di pasar sasaran. Dalam penelitian ini akan dikaji mengenai penerapan strategi bauran pemasaran (marketing mix) untuk mendorong peningkatan volume penjualan pada PT Sarana Kencana Mulya Cabang Jember. Penelitian ini menggunakan pendekatan kualitatif sebagai metodologinya. Pengumpulan data dilakukan oleh peneliti dengan menggunakan metode wawancara dan dokumentasi kepada pihak perusahaan. Metode dokumentasi digunakan untuk mengumpulkan data penelitian dalam bentuk visual. Subjek penelitian ini adalah karyawan PT Sarana Kencana Mulya (Polytron) dimana peneliti melakukan wawancara kepada tiga subjek yaitu admin penjualan dan piutang, kasir, dan sales. Hasil penelitian menunjukkan bahwa bauran pemasaran (marketing mix) merupakan salah satu faktor yang dapat mempengaruhi volume penjualan suatu perusahaan. Selain itu juga dapat meningkatkan kepuasan pelanggan, memperluas pangsa pasar, dan mencapai pertumbuhan bisnis yang berkelanjutan.

Analysis of Farmer and Forestry Cooperation in Forest Agriculture Management: An Islamic Economic Perspective Mariyah Ulfah; Siti Alfiyah
al-Afkar, Journal For Islamic Studies Vol. 8 No. 2 (2025)
Publisher : Perkumpulan Dosen Fakultas Agama Islam Indramayu

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.31943/afkarjournal.v8i2.2189

This study examines the cooperation mechanism between farmers and Perhutani in forest agricultural management in Ngasem District, Bojonegoro Regency, from the perspective of Islamic economics. The licensing process is conducted through the Forest Village Community Institution (Lembaga Masyarakat Desa Hutan or LMDH) under a Cooperation Agreement Scheme (Perjanjian Kerja Sama or PKS). Community members interested in managing forest land submit their applications through village officials, after which Perhutani grants approval and provides training programs on forest agricultural management. The profit-sharing scheme stipulates that 10% of the harvest yield is allocated to Perhutani. This research employs a qualitative method with a field research approach, utilizing data collection techniques such as observation, interviews, and documentation. The findings indicate that, from an Islamic economic perspective, this cooperation aligns with the mukhābarah contract, where Perhutani acts as the land provider, and LMDH is responsible for seeds, production costs, and land management until harvest. The profit-sharing model is considered consistent with the principles of justice in Islam, as the rights and obligations of each party are clearly defined. This study underscores the importance of contractual clarity in ensuring fair and sustainable cooperation.

Analisis Literatur Terhadap Prinsip Halalan Thayyiban dalam Rantai Pasok Makanan Naufan Ahda Isnanjodi; Mariyah Ulfah
Jurnal Masharif al-Syariah: Jurnal Ekonomi dan Perbankan Syariah Vol 10 No 4 (2025)
Publisher : Universitas Muhammadiyah Surabaya

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.30651/jms.v10i4.27012

Permintaan terhadap produk makanan halal terus meningkat seiring bertumbuhnya kesadaran masyarakat muslim akan pentingnya konsumsi yang sesuai dengan nilai-nilai syariah. Namun prinsip halal dalam Islam tidak hanya sebatas kehalalan secara hukum, tetapi juga harus thayyib , yaitu baik, sehat, bersih, dan aman dikonsumsi. Penelitian ini bertujuan untuk mengkaji secara teoritis prinsip halalan thayyiban dalam sistem rantai pasok makanan melalui analisis literatur. Hasil kajian menunjukkan bahwa penerapan prinsip ini masih menghadapi berbagai tantangan, di antaranya lemahnya integrasi antara lembaga sertifikasi halal dan pengawas mutu pangan, rendahnya kesadaran produsen dan konsumen terhadap aspek thayyib , serta belum optimalnya penggunaan teknologi pelacakan. Selain itu, setiap tahapan dalam rantai pasok makanan, mulai dari sumber bahan baku hingga konsumsi akhir, memiliki titik kritis yang dapat mengancam prinsip halalan thayyiban . Oleh karena itu, diperlukan pendekatan sistem yang menggabungkan standar halal dengan keamanan pangan dan kemiskinan, serta dukungan regulasi, edukasi konsumen, dan pemanfaatan teknologi untuk mewujudkan sistem pangan yang tidak hanya halal secara hukum, tetapi juga thayyib secara kualitas.

Peran Lembaga Keuangan Mikro Syariah (LKMS) dan Keberlanjutan Ekonomi Kreatif di Era Digital di Jawa Barat Mariyah Ulfah
Jurnal Masharif al-Syariah: Jurnal Ekonomi dan Perbankan Syariah Vol 11 No 1 (2026)
Publisher : Universitas Muhammadiyah Surabaya

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.30651/jms.v11i1.27937

This study aims to analyze the role of Islamic Microfinance Institutions (LKMS) in sustaining the creative economy in West Java by incorporating digital adoption as a mediating variable and policy as a moderating variable. A quantitative approach using Structural Equation Modeling–Partial Least Squares (SEM–PLS) was employed, based on survey data from 220 micro and small enterprises in culinary, fashion, and craft subsectors. The findings reveal that LKMS significantly influence both digital adoption and creative economy sustainability, directly and indirectly. Digital adoption serves as a key factor enhancing business sustainability, while policy strengthens the effect of LKMS on digital adoption, though only marginally on sustainability. The R² values of 0.31 for digital adoption and 0.56 for creative economy sustainability indicate moderate to strong explanatory power of the model. These results highlight the importance of integrating Islamic financing, business mentoring, and digitalization as a comprehensive strategy to ensure the sustainability of creative micro-enterprises at the regional level. This study contributes to the literature on Islamic microfinance and creative economy, while offering practical implications for policy and strengthening the role of LKMS.

The Role of Digital-Based Islamic Microfinance in Empowering the Creative Economy: A Case Study of MSMEs in Cirebon Regency Mariyah Ulfah
Ecopreneur : Jurnal Ekonomi dan Bisnis Islam Vol. 7 No. 1 (2026): Ecopreneur : Jurnal Ekonomi dan Bisnis Islam
Publisher : Institute of Research and Community Service at Islamic University of Bunga Bangsa Cirebon

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.47453/ecopreneur.v7i1.4003

Digital transformation is reshaping how creative-economy MSMEs access finance and markets, yet rising platform fees and digital-security risks can undermine fragile margins. This study examines the role of digital-based Islamic microfinance in empowering creative-economy MSMEs in Cirebon Regency, Indonesia. The research applies a qualitative case study design. Data were collected through semi-structured in-depth interviews, limited observation, and document review with MSME owners/managers and LKMS/BMT informants, selected via purposive and snowball sampling. An iterative thematic analysis was used to develop themes. Findings reveal three interrelated mechanisms. First, fit-for-purpose digitization strengthens QRIS transaction traceability and digital bookkeeping, building digital trust that functions as “new collateral” for financing access. Second, platform cost pressures and algorithmic visibility push MSMEs to rebalance marketing toward owned channels to protect margins. Third, a hybrid of human touch and data driven monitoring improves risk mitigation through early warning signals, ethical restructuring, and debt-literacy support. The study advances a hybrid digital–human empowerment model for Islamic microfinance and highlights governance conditions needed to avoid exclusion and overload. Future research should compare subsectors and test fairness in credit scoring across providers.

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