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All Journal Afkaruna: Indonesian Interdisciplinary Journal of Islamic Studies Jurnal Al-Qardh Al-Mustashfa MAHKAMAH: Jurnal Kajian Hukum Islam Jurnal Tirtayasa Ekonomika (Tirtayasa Economica Journal) Li Falah: Jurnal Studi Ekonomi dan Bisnis Islam At-Tawassuth: Jurnal Ekonomi Islam MALIA IQTISHADUNA: Jurnal Ekonomi dan Keuangan Islam Ad-Deenar: Jurnal Ekonomi dan Bisnis Islam Nizham Journal of Islamic Studies At-tijaroh: Jurnal Ilmu Manajemen dan Bisnis Islam Al-Masharif: Jurnal Ilmu Ekonomi dan Keislaman Adzkiya : Jurnal Hukum dan Ekonomi Syariah Profit : Jurnal Kajian Ekonomi dan Perbankan Syariah KONSEP DAN TUJUAN PADA TINJUAN BISNIS SYARIAH BERNAS: Jurnal Pengabdian Kepada Masyarakat Indonesian Journal of Islamic Business and Economics (IJIBE) Iqtishadia: Jurnal Kajian Ekonomi dan Bisnis Islam Jurnal Ilmu Manajemen Retail Universitas Muhammadiyah Sukabumi (JIMAT UMMI) El-Iqtishady An-Nisbah : Jurnal Perbankan Syariah Jurnal Akuntansi dan Keuangan (JAK) Al-Qashdu: Jurnal Ekonomi dan Keuangan Syariah AL-MULTAZIM : Jurnal Manajemen Bisnis Syariah Salam (Islamic Economics Journal) Al Fiddhoh: Journal of Banking, Insurance, and Finance el-Jizya: Jurnal Ekonomi Islam Mabsya: Jurnal Manajemen Bisnis Syariah Islamic Economic and Business Journal CASHFLOW : CURRENT ADVANCED RESEARCH ON SHARIA FINANCE AND ECONOMIC WORLDWIDE Akademika : Jurnal Pemikiran Islam Journal of Comprehensive Science PERADABAN JOURNAL of ECONOMIC and BUSINESS Journal of Accounting and Finance Management (JAFM) Jurnal Ilmu Multidisplin Kasta: Jurnal Ilmu Sosial, Agama, Budaya dan Terapan Jeksyah Journal of Islamic Economics Lariba Jurnal Manajemen, Akuntansi, Ekonomi Velocity: Journal of Sharia Finance and Banking Journal of Social Science and Business Studies Jurnal Global Ilmiah Jurnal Ekonomi Bisnis Antartika Baashima: Jurnal Bisnis Digital, Akuntansi, Kewirausahaan, dan Manajemen AB-JOIEC: Al-Bahjah Journal of Islamic Economics Jurnal Inovasi Global JESKaPe: Jurnal Ekonomi Syariah, Akuntansi dan Perbankan Insight : International Journal of social research Journal of Sharia Accounting and Tax (JSAT Wealth: Journal of Islamic Banking and Finance EduBase: Journal of Basic Education Al-masharif: Jurnal Ilmu Ekonomi dan Keislaman Jurnal Nusa Manajemen Amwaluna: Jurnal Ekonomi dan Keuangan Syariah Ecopreneur : Jurnal Ekonomi dan Bisnis Islam Journal of Sharia Tourism and Hospitality Cirebon International Journal of Economics and Business Journal of Sharia Micro Enterprise and Cooperation Al-Wajih: The Journal of Islamic Studies Contemporary Islamic Economic and Business Review Jurnal Ekonomi, Bisnis, Manajemen dan Akuntansi (JEBIMAN) Al-Mustashfa: Jurnal Penelitian Hukum Ekonomi Syariah Journal of Islamic Economics Business (JIsEb) Al-Amwal: Jurnal Ekonomi dan Perbankan Syariah DIMASEJATI:Jurnal Pengabdian Kepada Masyarakat Jurnal Pengabdian dan Pemberdayaan Masyarakat
Wartoyo Wartoyo
Universitas Islam Negeri Siber Syekh Nurjati Cirebon, Indonesia
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Pemberdayaan Masyarakat Melalui Koperasi Syariah Berbasis Masjid (KSBM) di Desa Matangaji Sumber Kabupaten Cirebon Wartoyo Wartoyo; Ayus Ahmad Yusuf; Makmuri Ahdi
Dimasejati: Jurnal Pengabdian Kepada Masyarakat Vol. 5 No. 2 (2023)
Publisher : Universitas Islam Negeri Siber Syekh Nurjati Cirebon

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.70095/dimasejati.v5i2.14843

Abstract

Masjid memiliki potensi yang besar karena dapat ditemukan di setiap sudut wilayah di Indonesia, namun masih sedikit yang berhasil memaksimalkan peran dan fungsinya dalam masyarakat, khususnya fungsi perekonomian. Kegiatan Pengabdian Masyarakat ini bertujuan untuk melakukan pelatihan dan pendampingan untuk meningkatkan kesejahteraan ekonomi masyarakat Desa Matangaji Kabutapen Cirebon melalui pendirian Koperasi Syariah Berbasis Masjid. Metode yang digunakan dalam kegiatan Pengabdian Masyarakat ini menggunakan pendekatan Asset Based Community Development (ABCD) yang mengutamakan pemanfaatan aset dan potensi yang ada di sekitar dan dimiliki masyarakat. Hasil dari kegiatan Pengabdian kepada Masyarakat ini menunjukkan betapa besarnya potensi masjid jika dikelola secara sistematis dan terencana melalui koperasi syariah berbasis masjid, namun masih terdapat kendala dimana masih rendahnya literasi lapangan kerja di masyarakat dan terbatasnya sumber daya manusia yang berkompeten sehingga perlu dilakukan. untuk terus melakukan pendidikan dan pendampingan secara berkesinambungan.
Pemberdayaan Masyarakat Perdesaan Melalui KKN Kolaboratif di Desa Cigobang Kabupaten Cirebon Jawa Barat Wartoyo Wartoyo; Muhammad Irfai Mulsim; Esta Melandari; Soulthan Akbar Farrakhan; Azzahra Septia Hanami
Dimasejati: Jurnal Pengabdian Kepada Masyarakat Vol. 7 No. 1 (2025)
Publisher : Universitas Islam Negeri Siber Syekh Nurjati Cirebon

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.70095/dimasejati.v7i1.19736

Abstract

EMPOWERMENT OF RURAL COMMUNITIES THROUGH COLLABORATIVE KKN IN CIGOBANG VILLAGE, CIREBON REGENCY, WEST JAVA. Islamic universities have an obligation to implement the Tridharma of Higher Education, namely research and service education. However, of these three obligations, the service aspect often receives less attention than the education and research aspects. So, the existence of a service program in the form of Collaborative KKN is one form of effort to improve aspects of service that are lagging behind. So this Collaborative KKN Service Program aims to: (1) analyze the effectiveness of village community empowerment programs in increasing community capacity and welfare, (2) identify factors that influence the success of implementing empowerment programs at the village level, (3) formulate adaptive empowerment strategies and sustainable according to local characteristics. The results of this research show that there is still a high level of people who do not understand (literate) the importance of education for their children so that educational outreach needs to be carried out, apart from that there is still low public awareness of environmental cleanliness so that waste management programs need to be implemented, and finally there is still a large social and economic gap that makes It is important to implement mentoring programs and strengthen the community's economy through workshops and local economic innovation.
PENGARUH DANA PIHAK KETIGA (DPK) TERHADAP PEMBIAYAAN PADA BANK SYARIAH INDONESIA Karisma Kusuma Whardana; Alvien Septian Haerisma; Wartoyo
AB-JOIEC: Al-Bahjah Journal of Islamic Economics Vol. 3 No. 1 (2025): AB-JOIEC
Publisher : Program Studi Ekonomi Syariah

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.61553/abjoiec.v3i01.239

Abstract

Penyaluran pembiayaan pada bank syariah sangat bergantung pada dana pihak ketiga (DPK). Fluktuasi jumlah dana yang dihimpun memengaruhi kapasitas bank dalam menyalurkan pembiayaan. Data Bank Syariah Indonesia (BSI) periode 2021–2024 menunjukkan bahwa tabungan dan giro mengalami peningkatan, sementara deposito cenderung menurun, sedangkan jumlah pembiayaan terus meningkat setiap tahunnya. Studi ini bertujuan untuk menganalisis pengaruh DPK, yang terdiri dari tabungan, deposito, dan giro, terhadap pembiayaan yang disalurkan. Metode yang digunakan adalah pendekatan kuantitatif deskriptif dengan jenis penelitian kepustakaan (library research), menggunakan data sekunder dari laporan keuangan bulanan BSI periode 2021–2024. Teknik analisis data menggunakan model Autoregressive Distributed Lag (ARDL).Hasil analisis menunjukkan bahwa secara parsial, tabungan tidak berpengaruh signifikan terhadap pembiayaan (p = 0,4334), sementara deposito (p = 0,0315) dan giro (p = 0,0284) berpengaruh signifikan. Secara simultan, ketiga variabel DPK tersebut berpengaruh signifikan terhadap pembiayaan (p = 0,000), dengan nilai adjusted R² sebesar 0,994, yang menunjukkan bahwa 99,4% variasi pembiayaan dapat dijelaskan oleh variabel-variabel DPK. Temuan ini memberikan kontribusi penting bagi pengelolaan dana pihak ketiga di BSI, khususnya dalam merumuskan strategi penghimpunan dana yang efektif guna menjaga kestabilan dan pertumbuhan pembiayaan secara berkelanjutan.
Pengaruh Literasi Keuangan Syariah dan Brand Image Terhadap Keputusan dalam Menggunakan Produk Perbankan Syariah pada Aktivis Mahasiswa FEBI UIN Siber Syekh Nurjati Cirebon Sherly Nur Jamila; Abdul Aziz; Wartoyo
AB-JOIEC: Al-Bahjah Journal of Islamic Economics Vol. 2 No. 2 (2024): AB-JOIEC
Publisher : Program Studi Ekonomi Syariah

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.61553/abjoiec.v2i02.275

Abstract

ABSTRAK Sherly Nur Jamila, NIM: 2108203193, Pengaruh Literasi Keuangan Syariah dan Brand Image Terhadap Keputusan Menggunakan Produk Perbankan Syariah Pada Aktivis Mahasiswa FEBI UIN Siber Syekh Nurjati Cirebon. Penelitian ini bertujuan untuk mengukur dan menganalisis pengaruh literasi keuangan Syariah dan brand image terhadap keputusan aktivis mahasiswa FEBI UIN SSC dalam menggunakan produk Perbankan Syariah. Penelitian ini menggunakan jenis penelitian kuantitatf dengan pendekatan survei dan menggunakann data primer serta diolah dengan menggunakan aplikasi SmartPLS 4. Populasi dalam penelitian ini adalah aktivis mahasiswa FEBI UIN Siber Syekh Nurjati Cirebon. Hasil penelitian menunjukkan bahwa variabel literasi keuangan Syariah secara parsial berpengaruh signifikan terhadap keputusan penggunaan produk perbankan Syariah dengan nilai p value 0.000 < 0.05 dan t-statistics 62.029 > 1.96 maka dapat disimpulkan bahwa hipotesis pertama diterima, Variabel brand image secara parsial berpengaruh signifikan terhadap keputusan penggunaan produk perbankan Syariah dengan nilai p value 0.036 < 0.05 dan t-statistics 2.101 > 1.96 maka dapat disimpulkan bahwa hipotesis kedua diterima. Adapun besaran pengaruh Literasi Keuangan Syariah dan Brand Image terhadap keputusan penggunaan produk perbankan Syariah yaitu sebesar 99.2% sisanya sebesar 0.8% dipengaruhi oleh variabel lain diluar yang diteliti. Kata Kunci: Literasi Keuangan Syariah, Brand Image, Keputusan Penggunaan, Produk Perbankan Syariah. ABSTRACT Sherly Nur Jamila, NIM: 2108203193, The Influence of Sharia Financial Literacy and Brand Image on the Decision to Use Sharia Banking Products among FEBI UIN Cyber Syekh Nurjati Cirebon Student Activists. This research aims to measure and analyze the influence of Sharia financial literacy and brand image on the decision of FEBI UIN SSC student activists to use Sharia Banking products. This research uses a quantitative type of research with a survey approach and uses primary data and is processed using the SmartPLS 4 application. The population in this research is student activists at FEBI UIN Siber Syekh Nurjati Cirebon. The results of the research show that the Sharia financial literacy variable partially has a significant effect on the decision to use Sharia banking products with a p value of 0.000 < 0.05 and t-statistics 62.029 > 1.96, so it can be concluded that the first hypothesis is accepted, the brand image variable partially has a significant effect on the decision to use Sharia banking products with a p value of 0.036 < 0.05 and t-statistics 2.101 > 1.96 then it can be concluded that the second hypothesis is accepted. The magnitude of the influence of Sharia Financial Literacy and Brand Image on the decision to use Sharia banking products is 99.2%, the remaining 0.8% is influenced by other variables outside those studied. Keywords: Sharia Financial Literacy, Brand Image, Usage Decision, Sharia Banking Products.
Evolusi Pemikiran Ekonomi Islam Monzer Kahf: SLR 2020-2024 Ikeu Triana Yulie Asieh; Chairunnisa Chairunnisa; Wartoyo Wartoyo
Jurnal Global Ilmiah Vol. 2 No. 10 (2025): Jurnal Global Ilmiah
Publisher : International Journal Labs

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.55324/jgi.v2i10.240

Abstract

This study examines the contributions and evolution of Monzer Kahf’s Islamic economic thought through a Systematic Literature Review of scientific publications from 2020 to 2024. The background of this research is driven by the growing academic interest in Kahf’s ideas as a response to various contemporary economic challenges, such as excessive consumption and unequal wealth distribution. The research method involved reviewing 15 scholarly articles that met inclusion criteria and analyzing them thematically to capture the development of Kahf’s thought. The findings indicate that Kahf’s ideas have significantly evolved and serve as a key reference in important topics such as Islamic consumption, the concept of homo Islamicus, final spending, and Sharia fiscal policy. These concepts reflect an Islamic economic approach that integrates rationality, spirituality, and social justice. The study highlights Monzer Kahf’s strategic role in shaping an Islamic economic framework that is not only theoretical but also practical and contextually relevant to contemporary economic issues. This research strengthens the understanding that Kahf’s thought forms a crucial foundation for the development of modern Islamic economics capable of addressing current social and economic dynamics. Thus, this study makes a significant academic contribution to the theory and practice of Islamic economics.
A Comparative Study Of Nahdlatul Ulama And Muhammadiyah On E-Commerce Peer-To-Peer Lending Mohammad Subkhan; Abdul Aziz; Wartoyo Wartoyo; Feri Hardiyanto
International Journal of Social Research Vol. 1 No. 1 (2023): Insight : International Journal of social research
Publisher : Worldwide Research Publishing

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.59888/insight.v1i1.2

Abstract

Peer-to-Peer Lending has become a significant phenomenon in the development of digital financial services in Indonesia. This comparative study analyzes the perspectives of Nahdlatul Ulama and Muhammadiyah on Peer-to-Peer Lending practices. The aim of this research is to identify the similarities and differences in the views and approaches of these two largest Islamic organizations in Indonesia towards this digital financial service. Comparative study methodology is employed as the approach in this research. Data is obtained through literature analysis, official documents, and interviews with key figures from NU and Muhammadiyah. Analyzed aspects encompass relevant Sharia principles, socio-economic impacts, consumer protection, as well as views on ethics and religious values in the context of Peer-to-Peer Lending services. The results of the analysis show that, overall, the comparative study between Nahdlatul Ulama and Muhammadiyah regarding e-commerce Peer-to-Peer Lending shares common ground. In the perspectives of Nahdlatul Ulama and Muhammadiyah, riba or interest in online lending practices is considered prohibited (haram) as it contradicts Islamic Sharia principles that prohibit ribawi financial transactions. The difference between the two, Nahdlatul Ulama and Muhammadiyah, is predominantly in their legal deduction (istinbath) approach; Nahdlatul Ulama relies on the consensus (Ijma’) of scholars found in classical jurisprudential texts, while Muhammadiyah derives its legal deduction through Bayani Ijtihad, drawing from the textual sources in the Quran and Hadith of Prophet Muhammad. The implications of these findings underscore the need for collaboration between Islamic organizations and Peer-to-Peer Lending industry stakeholders to ensure services aligned with religious values and ethics, as well as to enhance public understanding of the potential risks and benefits of these services. This comparative study provides a deeper understanding of the roles and perspectives of NU and Muhammadiyah on financial technology advancements, offering a more comprehensive view of the social and economic implications of Peer-to-Peer Lending within the context of Indonesian society.
Pendampingan Smart Branding Sebagai Strategi Penguatan Daya Saing UMKM Lokal Desa Weragati Kabupaten Majalengka Nur Haida; Wartoyo Wartoyo; Yeni Nurkhasanah
Al-Takzim: Jurnal Pengabdian dan Pemberdayaan Masyarakat Vol. 2 No. 1 (2026): Pengabdian Masyarakat Berdampak dan Berkelanjutan
Publisher : Fakultas Ekonomi dan Bisnis Islam UIN Siber Syekh Nurjati Cirebon

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.70095/al-takzim.v2i1.8

Abstract

Micro, Small, and Medium Enterprises (MSMEs) in rural areas often face limited knowledge about branding and digital marketing, so the competitiveness of their products tends to be low in the midst of increasingly competitive market competition. This article examines the implementation of the mentoring program "MSME Smart Branding in Weragati Village, Palasah District, Majalengka Regency. With a qualitative-descriptive case study approach analyzed through the framework of Asset-Based Community Development (ABCD), this article examines the process, achievements, and limitations of digital branding and marketing assistance programs for village MSME actors, as well as mapping their position in similar service studies. The findings show that student-based mentoring programs contribute to increasing the awareness of MSME actors about the importance of brand identity, packaging, and social media utilization, even though the limited duration of activities and the absence of a post-activity evaluation mechanism are critical notes for the sustainability of the program. This article provides practical contributions in the form of a student-based short-term branding mentoring model that can be replicated in similar service programs, as well as theoretical contributions in the form of strengthening the argument that the asset-based approach (ABCD) is relevant to be applied in the context of temporary assistance for village MSMEs.
Co-Authors Aan Djaelani Aan Jaelani Aan Jaelani Aan Jailani Abdul Aziz Abdul Aziz Abdul Aziz Abdul Aziz Abdul Aziz Abdul Ghoni Abdul Rosyid Abdul Wadud Kasyful Anwar, Abdul Muiz Aep Syaeful Millah Ainun, Ayi Siti Ali Arifin Alvien Septian Haerisma Alya Fauzi Zaizafun Amalia Habibah, Sabrina Amalia, Tia Anggara Disuma Anton Bawono Anton Sudrajat Anwar, Abdul Muiz Abdul Wadud Kasyful Apriliyani, Feni Aris Budiman Arya Kemuning Asni Komalasari Awaliya Rahma, Tiara Ayu Gumilang Lestari Ayus Ahmad Yusuf Azizan Sentosah Hutabarat Azzahra Septia Hanami Bahjatulloh, Qi Mangku Catur Wahyudi, Catur Chairunnisa Chairunnisa David Viansyah Dewi Fatmasari Diana Djuwita Diana Djuwita, Diana Didi Sukardi Dwi Safitri Esta Melandari Eva Pelitawati Fadilah, Dimas Fajriyatin, Fajriyatin Faridah Irmayanthy Farrakhan, Soulthan Akbar Fatinah, Lulu Fauzan Febri Delmi Yetti Febri Delmi Yetti Feni Apriliyani Feri Hardiyanto Fitria Eka Permata Hafif, Alimul Halla Novitasari Hamdalah, Nurul Hanami, Azzahra Septia Haqqiquddin Rokhmatulloh, Muhammad Raisa Hendra Yulia Rahman Heru Cahyono Hikam Muhtadi Zuhdi Hikam Muhtadi Zuhdi Ikeu Triana Yulie Asieh Inarawi, Wiwi Iqbal Noor Iqbal, Moh Irsad Irsad Irsad Iskandar zulkarnaen, Mohamad Istighfarah, Istighfarah Jakaria, Dandy Jannah, Isroqtul Joni Karisma Kusuma Whardana Kusumadewi, Rita Layaman Layaman, Layaman Lisa Pratiwi Listriyani, Futri Lukman Lutfiyanti, Lutfiyanti Ma&#039;mur Munjat Makmuri Ahdi Makmuri Ahdi Maulidina, Devrina Meilinda, Shinta Melandari, Esta Meutia, Nova Gina Milatul Wahdah Mohamad Ghozali Mohammad Subkhan Mubarok Fatahillah Muhamad Muztahidin Muhamad Saechu Muhammad Irfai Mulsim Muhammad Khairul Umam Mulsim, Muhammad Irfai Mutadi Mutadi Muztahidin, Muhamad Nabila, Putri Nabilah Fiana Putri Nila Ernila NINING WAHYUNINGSIH Nova Gina Meutia Noval Kurnia Novi Nur Azizah Novitasari, Halla Nur Eka Setiowati, Nur Eka Nur Eka Setyowati Nur Fithriya, Milla Nur Haida Nur Haida Nur Haida Nur Haida Nur Haida, Nur Nur Kholis Nur Syam NURUL WULANDARI Pelitawati, Eva Poni Purwati Purwati, Poni Qi Mangku Bahjatulloh Raihan Yahya Ismail Reisya Zahra Munichlakhofa Ridwan Widagdo Rifqi Muthoharul Janan Rismaya, Erin Rochanda Wiradinata Rokhmat Subagiyo Rosdita Indah Yuniawati Rosviana, Mohammad Irfan Saefulloh , Eef Saefulloh, Eef Sherly Nur Jamila Shinta Julia Nursusilo Wati Shinta Meilinda Sigit Nurhendi Silviya Maharani Solikhul Mujab Soulthan Akbar Farrakhan Soviana, Dina Sri Rokhlina Sari Sri Rokhlina Sari Sri Rokhlinasari Sukarnoto, Toto Syaeful Bakhri Ulfain Usman Usman Usman Usman Wiyani, Silva Yeni Nurkhasanah Yetti, Febri Delmi Zaizafun, Alya Fauzi