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Analisis Strategi Penyelesaian Pembiayaan Bermasalah Pada Produk Murabahah Dalam Perspektif Ekonomi Syariah (Studi Kasus Pada Ksu Karya Terpadu Syariah Rarang Tahun 2020-2023 Utomo, Danang Prio; Riswanto, Agus; Marlina, Marlina
JPEK: Jurnal Pendidikan Ekonomi dan Kewirausahaan Vol 8 No 2 (2024): JPEK (Jurnal Pendidikan Ekonomi dan Kewirausahaan)
Publisher : Universitas Hamzanwadi

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.29408/jpek.v8i2.27182

Abstract

This study aims to: 1) identify the factors causing problematic financing in murabahah products at KSU Karya Terpadu Syariah Rarang, 2) determine the strategies for resolving problematic financing in murabahah products at KSU Karya Terpadu Syariah Rarang, and 3) analyze the strategies for resolving problematic financing in murabahah products from the perspective of Islamic economics at KSU Karya Terpadu Syariah Rarang.This research used a qualitative approach with a case study design. The data used included both primary and secondary data. Data collection techniques in this study involved observation, interviews, and documentation. The data analysis procedure used qualitative data analysis techniques.The results of this study indicate that: 1) the factors causing problematic financing in murabahah products stem from two sources: internal and external factors. 2) The strategies for resolving problematic financing in murabahah products at KSU Karya Terpadu Syariah Rarang include maintaining communication with customers, rescheduling, reconditioning, and confiscating and selling collateral. 3) Based on the analysis, the strategies for resolving problematic financing in murabahah products at KSU Karya Terpadu Syariah Rarang are in accordance with the perspective of Islamic economics, DSN MUI fatwas on murabahah financing, and do not contradict sharia principles
Pemanfaatan Limbah Plastik Dalam Pembuatan Tas Tali Kur Sebagai Pemberdayaan Masyarakat Desa Suralaga Untuk Meningkatkan Sumber Daya Manusia muhammad, farhana; Jailani, Huzain; Prio Utomo, Danang; Juaini, Muhamad; Ali, Muhamad; Sholihah, Isfi; Zein, Rohaeniyah
AFADA: Jurnal Pengabdian Pada Masyarakat Vol. 1 No. 2 (2023): AFADA: Jurnal Pengabdian Pada Masyarakat
Publisher : Fakultas Tarbiah Institut Agama Islam (IAI) Hamzanwadi Pancor

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.37216/afada.v1i2.1090

Abstract

PPM ini difokuskan pada pembuatan peningkatan keterampilan kreasi tangan tradisional melalui kegiatan peningkatan SDM yang dilaksanakan di desa Suralaga. Penentuan pelatihan ini dilatar belakangi oleh rendahnya minat dan ketertarikan dalam memanfaatkan sesuatu dan minimnya kemampuan kreatifitas masyarakat Desa Suralaga. Selain itu, di kalangan masyarakat pemanfaatan gelas plastik masih kurang dikreasikan. Sebagian besar hanya dibuat sebagai tumpukan sampah dan dijual sebagai barang rongsokan. Namun, tidak jarang juga di manfaatkan sebagai hiasan gantung dalam ruangan sekolah ataupun rumah yang dibentuk menyerupai bunga, gelang, dan tidak jarang juga di manfaatkan sebagai piring dengan memanfaatkan lingkaran pada gelas tersebut dan sisa nya dibuang atau dibakar. Tujuan yang ingin dicapai pada pelatihan dan pembuatan Tas Tali Kur ini diantaranya: 1) membantu untuk meningkatkan kemampuan kreasi tangan masyarakat Dames melalui kegiatan pelatihan secara langsung, 2) memberikan pemahaman bagaimana cara membuat tas tali kur pada mahasiswa dan masyarakat, 3) memberikan kesempatan dan pengalaman kerja untuk dosen dan mahasiswa, 4) membina kerjasama dengan berbagai pihak terkait, terutama pihak kampus. Metode yang digunakan untuk mencapai tujuan PPM ini adalah melalui pelatihan. Bahan-bahan yang dibutuhkan dan langkah-langkah dalam pembuatan terkait pelatihan disampaikan melalui diskusi. Kemudian selanjutnya pelatihan dilaksanakan dengan praktik secara langsung. Kegiatan PPM ini secara keseluruan mendapatkan hasil yang baik dan memuaskan. Beberapa komponen yang berhasil dicapai dalam pelaksanaan kegiatan ini diantaranya: 1) ketecapaian tujuan kegiatan, 2) tecapainya target benda yang telah direncanakan
Pelatihan Recycle Sampah Organik Dan Anorganik Menjadi Produk Handycraft Dan Pupuk Sayur Rumahan Pada Ibu Rumah Tangga Di Desa Loyok Kecamatan Sikur Zain, Rohaeniyah; Susilawati, Susilawati; Muhammad, Farhana; Marudin; Sholihah, Isfi; Jailani, Huzain; Prio Utomo, Danang; Ali, Muhamad; Juaini, Muhamad
AFADA: Jurnal Pengabdian Pada Masyarakat Vol. 2 No. 2 (2024): AFADA: Jurnal Pengabdian Pada Masyarakat
Publisher : Fakultas Tarbiah Institut Agama Islam (IAI) Hamzanwadi Pancor

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.37216/afada.v2i2.1626

Abstract

Tujuan dari kegiatan ini terciptanya produk dan bertambahnya pengetahuan tentang barang Handycraft dan pupuk rumahan.Kegiatan ini berlangsung selama 3 bulan, Beberapa tahapan yang dilakukan diantaranya yang pertama sosialisasi kegiatan dan kordinasi dengan pihak Dinas Lingkungan Hidup Kabupaten Lombk Timur. Kedua Pelaksanaan kegiatan Pemanfaatan limbah anorganik pembuatan handycraft aneka pajangan. Ketiga Pelaksanan kegiatan Pemanfaatan limbah Dapur melalui Pembuatan Biopori dan Pupuk kompos.Keempat selanjutnya tetap dilakukan pemantauan selama 2 sampai 3 bulan. Peserta yang mengikuti kegiatan sangat antusias. Terlebuh lagi pada kegiatan pembuatan handicraft dilakukan dengan cara kompetisi antar kelompok peserta ibu ibu rumah tangga sehingga bisa mendapatkan hasil yang sangat memuaskan.
Nilai-Nilai Pendidikan Ekonomi Pada Tradisi “Bedeye” Dalam Sistem Perdagangan Tradisional Masyarakat Suku Sasak Ali, Muhamad; Jailani, Huzain; Utomo, Danang Prio; Muhammad, Farhana
JPEK: Jurnal Pendidikan Ekonomi dan Kewirausahaan Vol 8 No 3 (2024): JPEK (Jurnal Pendidikan Ekonomi dan Kewirausahaan)
Publisher : Universitas Hamzanwadi

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.29408/jpek.v8i3.25800

Abstract

This research investigates the economic education values contained within the tradition of "Bedeya," a traditional barter trading system practiced by the Sasak tribe community on Lombok Island, West Nusa Tenggara. Utilizing an ethnographic approach, this study explores the social, economic, and educational interactions intertwined within the practice of "Bedeya," revealing how this tradition facilitates the transmission of values and knowledge within the community. Data collection methods included participatory observation, in-depth interviews, and document analysis, with qualitative analysis techniques used to interpret the gathered data. The findings indicate that "Bedeya" is not only about the exchange of goods but also encompasses social and cultural learning, teaching values such as trust, fairness, and cooperation. This practice promotes social cohesion and maintains cultural identity amid modern socioeconomic changes. "Bedeya" plays a crucial role in the Sasak community's informal education system, providing life lessons relevant to the community's needs and challenges. This study offers new insights into the role of traditional trading systems in economic and social education, affirming the importance of preserving cultural practices as a vital source of learning. The findings provide a broader perspective on the integration of economic education in social and cultural life, underlining the need for a more holistic and community-based approach to economic education.
Meningkatkan kapasitas olahan makanan dan minuman dengan pembuatan sertifikat halal dan advokasi administrasi bisnis Susilawati, Susilawati; Zain, Rohaeniyah; Jailani, Huzain; Prio Utomo, Danang; Ali, Muhamad; Sholihah, Isfi; Muhammad, Farhana
ALPATIH: Jurnal Inovasi Pengabdian Masyarakat Vol. 1 No. 2 (2023): Desember
Publisher : Alpatih Harapan Semesta

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.70115/alpatih.v1i2.109

Abstract

Kegiatan ini bertujuan untuk mengoptimalisasi BisnisSsturt Up agar bisa meningkatkan kapasitas olahan makanan dan minuman. Kegiatan ini berlangsung selama 1 tahun secara bertahap dikarenakan ada mentoring yang dilakukan juga sebelum pembuatan NIB dan sertifikat halal. Halal menjadi hukum wajib bagi umat Islam terutama dalam hal konsumsi makanan sehari-hari. Jaminan halal suatu produk makanan dewasa ini menjadi isu yang tidak dapat diabaikan bagi sebagian besar daerah di Indonesia. Kegiatan pengabdian ini dilakukan melalui metode pelatihan dan pendampingan  sampai terbit sertifikat halalnya. Dari 113 Pelaku usaha 15 Peraku usaha sudah terbit sertifikat halalnya dari MUI. Hal yang harus diperhatikan adalah komitmen dari pelaku usaha dalam meningkatkan kapasitas olahan makanan dan minuman
Inovasi mahasiswa KKN Universitas Hamzanwadi membuat pupuk organik untuk mendukung program green house di Desa Semaya Danang Prio Utomo; Imron Hadi Saputra; Riska Pararizwani; Hadiana Mussofa; Royatul Aini
ALPATIH: Jurnal Inovasi Pengabdian Masyarakat Vol. 2 No. 2 (2024): Desember
Publisher : Alpatih Harapan Semesta

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.70115/alpatih.v2i2.200

Abstract

Program Inovasi KKN Bina Desa Universitas Hamzanwadi Tim 20 mengembangkan pembuatan pupuk organik untuk mendukung green house di Desa Semaya kecamatan Sikur kab Lotim. Dalam inisiatif ini, mahasiswa bekerja sama dengan masyarakat setempat untuk mengolah limbah organik menjadi pupuk yang ramah lingkungan dan berkualitas tinggi. Tujuan utama program ini adalah meningkatkan produktivitas pertanian sekaligus mendukung praktik pertanian berkelanjutan. Pupuk organik yang dihasilkan diharapkan dapat memperbaiki kesuburan tanah, meningkatkan hasil panen, dan mengurangi ketergantungan pada pupuk kimia yang berpotensi merusak lingkungan, mengingat tanah yang ada di desa Semaya di Kategorikan tanah kering dan bebatuan. Selain itu, program ini juga bertujuan untuk meningkatkan kesadaran masyarakat tentang pentingnya pengelolaan limbah dan penggunaan pupuk organik. Melalui program ini, Desa Semaya diharapkan menjadi contoh sukses dalam mengimplementasikan teknologi hijau yang inovatif dan berkelanjutan, serta memberikan dampak positif bagi ekonomi local.
The Effect of Financial Literacy, Lifestyle, and Self-Control on the Consumptive Behavior of Students Azmi, M. Imron; Utomo, Danang Prio; Ali, Muhammad
JMET: Journal of Management Entrepreneurship and Tourism Vol. 3 No. 1 (2025): January, Journal of Management, Entrepreneurship and Tourism (JMET)
Publisher : Sumber Belajar Sejahtera

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.61277/jmet.v3i1.154

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This study aims to determine the Influence of financial literacy, lifestyle, and self-control affect the consumptive behavior of students. The research method used is quantitative through the type of correlation research. The use of this research sample is students of the Faculty of Social Sciences and Economics with a total of 93 students. The research technique used Propotional Random Sampling and Accidental Sampling with data collection in this study by distributing questionnaires.  Based on the results of data analysis, partially there is a positive     influence on financial literacy variables with a t value> t table (2.187> 1.990), lifestyle variables with a t value> t table (7.047> 1.990), self-control variables with a t value> t table (2.772> 1.990). So that through simultaneous good impact between financial literacy variables, lifestyle, and self-control on consumptive behavior. This is evidenced by the value of F count> F table (19.951> 2.70) with a significant 5%. It can be concluded that partially or simultaneously the variables of financial literacy, lifestyle, and self-control have a positive effect on consumptive behavior. The results of the coefficient of determination test on variables X1, X2, and X3 are 0.382, this means that consumptive behavior is influenced by the variables of financial literacy (X1), lifestyle (X2), and self-control (X3) by 38.2% while the remaining 61.8% is influenced by other variables.
EFFECTIVENESS IMPLEMENTATION OF THE VILLAGE SUSTAINABLE DEVELOPMENT GOALS (SDGS) PROGRAM IN INCREASING DECENT WORK AND ECONOMIC GROWTH AT KABUPATEN LOMBOK TIMUR Ali, Muhamad; Jailani, Huzain; Septiana, Riska; Muhammad, Farhana; Utomo, Danang Prio
Jurnal Apresiasi Ekonomi Vol 13, No 1 (2025)
Publisher : Institut Teknologi dan Ilmu Sosial Khatulistiwa

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.31846/jae.v13i1.862

Abstract

The United Nations in September 2015, formulated that developed and developing countries must declare the SDGs, which is a global and national commitment to improve people's welfare. This research was conducted to determine the effectiveness of the implementation of the Sustainable Development Goals (SDGs) 8th goal program in East Lombok Regency by examining decent work and economic growth such as employment opportunities, human resource quality, and unemployment supported by the pre-employment card distribution program and vocational training center training. The research method used is descriptive qualitative research method, with data collection techniques of observation, interviews, questionnaires and documentation in 5 villages and 20 respondents taken based on purposive sampling techniques with Miles and Huberman data analysis techniques and processed using source triangulation techniques, triangulation techniques, and time triangulation. Based on the results of the study, there are 6 indicators used to determine the success of the program, namely program socialization, knowledge related to the program, program objectives, program success, target accuracy, and satisfaction related to the program, it is explained that in general the implementation of the SDGs program in increasing decent work and economic growth in East Lombok district is ineffective, because the village and community are not effective
Pengaruh Luas Lahan, Modal, Dan Tenaga Kerja Terhadap Pendapatan Petani Cabai Di Kecamatan Labuhan Haji Imran, Ali; Utomo, Danang Prio
CIRCULAR: Jurnal Pendidikan Sosial dan Ekonomi Vol. 1 No. 2 (2023): CIRCULAR: Jurnal Pendidikan Sosial dan Ekonomi
Publisher : Alpatih Harapan Semesta

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.70115/circular.v1i2.247

Abstract

This study aims to determine the area of ​​land, capital, and labor partially or simultaneously affect the income of chili farmers in Labuhan Haji District, East Lombok Regency. The method used is a quantitative method with a descriptive approach. The subjects of this study were 99 chili farmers in Labuhan Haji District, East Lombok Regency. The data collection techniques and instruments used in this study were by conducting observations and using questionnaires. The data from this study were then analyzed using the classical assumption test, namely the normality test, multicollinearity test, and heteroscedasticity test. The results of this study indicate; 1) land area, capital, and labor partially affect the income of chili farmers in Labuhan Haji District, East Lombok Regency. This is indicated by the results of land area to income with a calculated t value > t table (5.863 > 1.985), capital to income with a calculated t value > t table (4.702 > 1.985), labor to income with a calculated t value > t table (4.055 > 1.985). 2) land area, capital, and labor simultaneously affect the income of chili farmers in Labuhan Haji District, East Lombok Regency, this is indicated by f count > f table (38.086 > 2.70).
Pengembangan Media Pembelajaran Berbasis Audio Visual Powtoon Pada Mata Pelajaran Ekonomi Dengan Materi Pertumbuhan Dan Pembangunan Ekonomi Kelas XI Di MA NW Sukamulia Lombok Timur Sulastriani, Sulastriani; Utomo, Danang Prio; Jailani, Huzain
CIRCULAR: Jurnal Pendidikan Sosial dan Ekonomi Vol. 2 No. 2 (2024): CIRCULAR: Jurnal Pendidikan Sosial dan Ekonomi
Publisher : Alpatih Harapan Semesta

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.70115/circular.v2i2.265

Abstract

The purpose of this research is to see the validity of the audio visual powtoon learning method in economics lessons for class XI at MA NW Sukamulia, East Lombok. This development research is a type of research with the ADDIE research model. The sample in this study was all class XI students with a large number of students, namely 24 students. The purpose of this study is to produce valid and good media in economics lessons for class XI MA NW Sukamulia, East Lombok. This instrument uses a response questionnaire and expert validation attachments. The data collection technique will be carried out by applying media, responses and validation is a questionnaire that has criteria with a 5-1 assessment scale. The data analysis technique is processed using the validation data analysis formula and response data analysis which have each assessment criterion, namely 100% -0%. Based on the application of audio-visual powtoon-based learning media, the results of media expert validation were obtained at 88%, which is a feasible category, material experts with results of 96% in a very feasible category, teacher responses to media with results of 84% with good criteria, and student responses obtained results of 91.87 with a very interesting and feasible category. From the results of the data above, the implications of this audio-visual powtoon-based learning media can be said to be feasible and good to be applied as a learning medium