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E-BEKAL AS CASHLESS PAYMENT IN IMPROVING THE QUALITY OF INSTRUCTIONAL SERVICES Mohammad Alief Hidayatullah; Sofian Syaiful Rizal; Widya Anggraini
MANAGERE : Indonesian Journal of Educational Management Vol. 4 No. 1 (2022): Januari-April
Publisher : Perkumpulan Manajer Pendidikan Islam (PERMAPENDIS) Indonesia

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.52627/ijeam.v4i1.185

This study analyzes E-Bekal as a cashless payment to improve service quality at the Nurul Jadid Islamic Boarding School. This research uses a qualitative approach with a case study type carried out through observation, interviews, and documentation. Data analysis starts with data presentation, data reduction, and conclusions. The results showed that improving the quality of services through E-Bekal was carried out through providing good facilities, socializing and promoting the system for using E-Bekal, providing E-Bekal cards to students, and providing consulting services, as well as providing cell phones that had an encryption network. With these services, it can help and provide service satisfaction for students.

ANALYSIS OF THE PROFIT SHARING SYSTEM IN BMT NU BUSINESS CAPITAL FINANCING PRODUCTS, TLOGOSARI BRANCH, BONDOWOSO REGENCY Feri Ubaidillah; Mohammad Alief Hidayatullah M.E
Jurnal Ekonomi Vol. 12 No. 04 (2023): Jurnal Ekonomi, 2023
Publisher : SEAN Institute

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This research aims to analyze the profit sharing system in business capital financing products implemented by BMT Nu Tlogosari branch, Bondowoso Regency. The profit sharing system is a sharia financial principle that prioritizes the fair distribution of profits and risks between financial institutions and financing recipients. This research focuses on identifying the mechanism of the profit sharing system, and determining the ratio in BMT Nu business capital financing products for business actors and communities in the region.The research method used is a qualitative approach with data collection techniques through in-depth interviews with BMT Nu, In conclusion, analysis of the profit sharing system in the business capital financing product of BMT Nu Tlogosari branch, Bondowoso Regency, shows success in implementing sharia principles, encouraging local economic growth, and providing fair and sustainable financial alternatives.

Manajemen Risiko Bisnis Ikan Pindang Perspektif Etika Bisnis Islam Mohammad Alief Hidayatullah; Dwi Firlana Rosa
Jurnal Akuntansi, Ekonomi dan Manajemen Bisnis Vol. 5 No. 1 (2025): Maret : Jurnal Akuntansi, Ekonomi dan Manajemen Bisnis
Publisher : Pusat Riset dan Inovasi Nasional

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.55606/jaemb.v5i1.5670

Risk management in the pindang fish business is very important to maintain business stability and increase consumer confidence. This study aims to analyze the application of risk management in the distribution of pindang fish in Bondowoso Regency based on the perspective of Islamic business ethics. Using a descriptive qualitative approach with a case study method, this research collected data through in-depth interviews, direct observation, and documentation. The analysis technique used is the Miles and Huberman interactive model which includes data reduction, data presentation, and conclusion drawing.The results show that the application of Islamic business ethics principles such as honesty (shiddiq), responsibility (amanah), and justice ('adl) in risk management can improve distribution transparency. Traders who apply the principle of trustworthiness are better able to maintain product quality and fair prices, thereby increasing consumer satisfaction. In addition, the Islamic business ethics approach helps prevent the practice of quality manipulation and price discrepancies, which are often challenges in pindang fish distribution.The conclusion of this study confirms that the integration of Islamic values in distribution risk management not only improves business sustainability but also strengthens long-term relationships with consumers. The study recommends the implementation of stricter sharia-based distribution policies as well as the utilization of technology in the distribution system to improve efficiency and transparency

IMPLEMENTASI WALK IN CUSTOMER (WIC) DAN ENHANCED DUE DILIGENCE KEPADA NASABAH SEBAGAI PENCEGAHAN MONEY LAUNDERING PT. BANK SUMUT KCP SYARIAH H.M YAMIN Mufidatul Himmah; Mohammad Alief Hidayatullah; Siti Fatimah
JURNAL PROFIT Vol 6, No 1 (2022): Economic Tecnology
Publisher : Nurul Jadid University

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.33650/profit.v6i1.3492

Banking institutions are institutions that are often used by the public to carry out financial transactions, whether in the form of savings, transfers, investments and others. In this case, Islamic Banking carries out funding and lending activities by promoting various types of financial transaction services, becoming the main center in crime. money laundering and terrorism financing to hide illegal money. Therefore, the OJK has made regulations regarding the prevention of Money Laundering and the financing of Terrorism which includes CDD and EDD PT. Bank Sumut Syariah KCP H.M Yamin has implemented Customer Due Diligence on Walk In Customer (WIC) and Enhanced Due Diligence on Customers as an effort to prevent money laundering and terrorism financing. In this journal research using qualitative methods with a descriptive approach. the data taken is by interview and observation techniques. Observations indicate that the implementation of WIC on Customer Due Diligence is carried out when the Bank doubts customer information by conducting identification and verification. In addition, at WIC where previously WIC did not need to report to Customer Service when making transactions and went directly to the teller. However, for now there has been a circular letter of change from the Head Office of Bank Sumut Syariah regarding the implementation of WIC where WIC is required to report to Customer service first after obtaining approval from CS, then WIC can go directly to the teller. The implementation of Enhanced Due Diligence is carried out for Politically Exposed Person customers. But in practice at PT. Bank Sumut Syariah KCP H.M Yamin is carried out if there are suspicious transactions or when there are cases.

RISIKO AKAD MURABAHAH PADA KOPERASI SERBA USAHA (KSU) DI BMT TANJUNG M Alief Hidayatullah; Rafika Lusi Aprilia
JURNAL PROFIT Vol 7, No 1 (2023): Islamic Economic, Islamic Banking And Program
Publisher : Nurul Jadid University

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.33650/profit.v7i1.6412

This study discusses the risks of murabahah contracts, as we all know that murabahah financing is in great demand by the public, especially in sharia-based multi-business cooperatives (KSU) - BMT Tanjung, this is because it is considered fast and easy in practice. This study uses a qualitative descriptive design with observation, documentation and interview techniques. This lesson takes place in a multi-business cooperative (KSU) BMT Tanjung, the results of this research are (1) where murabahah products are widely used as consumption payments and there is also capital used for business continuity, (2) the risks associated with murabahah a lot of payments, goods and collateral, (3) risk management is carried out by sharia murabahah multi-business cooperatives (KSU) sharia-bmt bandar loyal quite well in its management, it's just that there are some managements, especially those related to goods that are not quite right, namely murabahah contracts that made before the goods are placed in the hands of the Sharia Financial Services cooperative (KSU) sharia-compliant BMT Tanjung. The limitation of this study is the lack of risk associated with customers, because the Sharia Financial Services Cooperative does not have any risks associated with customer risk, but in this study researchers found a new risk, namely the risk associated with collateral.This study discusses the risks of murabahah contracts, as we all know that murabahah financing is in great demand by the public, especially in sharia-based multi-business cooperatives (KSU) - BMT Tanjung, this is because it is considered fast and easy in practice. This study uses a qualitative descriptive design with observation, documentation and interview techniques. This lesson takes place in a multi-business cooperative (KSU) BMT Tanjung, the results of this research are (1) where murabahah products are widely used as consumption payments and there is also capital used for business continuity, (2) the risks associated with murabahah a lot of payments, goods and collateral, (3) risk management is carried out by sharia murabahah multi-business cooperatives (KSU) sharia-bmt bandar loyal quite well in its management, it's just that there are some managements, especially those related to goods that are not quite right, namely murabahah contracts that made before the goods are placed in the hands of the Sharia Financial Services cooperative (KSU) sharia-compliant BMT Tanjung. The limitation of this study is the lack of risk associated with customers, because the Sharia Financial Services Cooperative does not have any risks associated with customer risk, but in this study researchers found a new risk, namely the risk associated with collateral.

BUDAYA EKONOMI: PRAKTEK AKAD MUZARA’AH PERSPEKTIF ETIKA EKONOMI ISLAM DI DESA TANGSIL KULON KECAMATAN TENGGARANG KABUPATEN BONDOWOSO M Alief Hidayatullah; Salim Rahmatullah; Ainur Rofiqul Azizi
JURNAL PROFIT Vol 6, No 2 (2022): Economic Banking
Publisher : Nurul Jadid University

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.33650/profit.v6i2.4323

This study aims to reveal the practice of muraza'ah contracts associated with an economic culture that is aligned with Islamic economic ethics in Tangsil Kulon Bondowoso Village. This study uses qualitative research with a descriptive analysis approach, and the data source is the people in Tangsil Kulon. The results of this study indicate that the practice of the muzara'ah contract in Tangsil Kulon Village uses the musyarakah principle with a split system adapted to the local community’s culture. The distribution in the form of percentages still has the disadvantaged party, namely the land owner, because the cultivator does not see whether the harvest is experiencing a profit or loss and thinks he is still working.

THE IMPACT OF PKH ON THE WELFARE OF POOR PEOPLE IN MLANDINGAN FROM A SHARIA ECONOMIC PERSPEKTIVE Silvi Nury Romadhoni; Mohammad Alief Hidayatullah
JURNAL PROFIT Vol 9, No 1 (2025): Economic And Development
Publisher : Nurul Jadid University

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.33650/profit.v9i1.11202

This study aims to analyze the impact of the Family Hope Program (PKH) on improving the welfare of poor communities in Mlandingan Village from the perspective of sharia economics. The method used is descriptive qualitative. The research was conducted in Mlandingan Village, Mlandingan District, Situbondo Regency, East Java, Indonesia. Data collection was carried out through direct interviews with PKH implementers and program beneficiaries. The results indicate that PKH positively impacts the welfare of poor people through three main principles in sharia economics: ta’awun (mutual assistance) encouraging social solidarity, al-‘adl (justice) reflected in fair and targeted aid distribution, and maslahah (public benefit) seen from increased access to education, health, and basic needs. It can be concluded that PKH has helped realize the welfare of poor communities in accordance with Islamic values or sharia economics

Optimizing the Circulation of Islamic Boarding School MSME Funds Through Digital-Based Sharia Microfinance Technology Innovation at the Nurul Jadid Islamic Boarding School, Paiton Ahmad Zaenal Abidin; Mohammad Alief Hidayatullah
Anjasmoro: Islamic Interdisciplinary Journal Vol. 4 No. 1 (2026): Islamic Education
Publisher : Yayasan Pendidikan Bustanul Ulum Mojokerto

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This study examines the role of digital-based Islamic microfinance technology in supporting the circulation of funds among Islamic boarding school (pesantren) MSMEs at the Nurul Jadid Islamic Boarding School in Paiton. The research employed a qualitative descriptive approach with a case study design. Data were collected through interviews, observations, and documentation with MSME managers, Islamic boarding school cooperative administrators, and students using digital financial services. The results indicate that utilizing digital financial systems helps accelerate transactions, organize financial records more efficiently, increase transparency, and promote efficient management of Islamic boarding school MSME funds. However, its implementation still faces challenges such as uneven digital literacy, varying user capabilities, and inadequate infrastructure support. Therefore, digital-based Islamic microfinance technology has the potential to become a means of strengthening a more modern, orderly, and sustainable Islamic boarding school economy.

MARKETING STRATEGIES FOR INCREASING CUSTOMER ACQUISITION IN MURABAHAH FINANCING PRODUCTS Mohammad Alief Hidayatullah; Riska Nuri Anggraeni
Jurnal Dinamika Ekonomi Syariah Vol. 13 No. 2 (2026): Jurnal Dinamika Ekonomi Syariah
Publisher : Program Studi Ekonomi Syariah, Universitas Pangeran Diponegoro Nganjuk

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.53429/jdes.v13i2.2322

This study aims to analyze marketing strategies to increase the number of customers for murabahah financing products at BMT Karanganyar Paiton. Murabahah financing is one of the leading products of Islamic financial institutions that plays a significant role in supporting the financing needs of the community, especially micro and small businesses. The research method used is a qualitative approach with field research. Data collection techniques were carried out through interviews, observations, and documentation related to marketing activities and the development of the number of murabahah financing customers. The results show that the marketing strategy implemented by BMT Karanganyar Paiton includes the implementation of a marketing mix that covers aspects of product, price, place, and promotion, as well as a personal approach to customers. This strategy is considered capable of increasing public interest and trust in murabahah financing products. However, there are several obstacles faced, such as limited human resources and low public understanding of Islamic financial products. This study concludes that an appropriate, consistent, and sharia-compliant marketing strategy plays a significant role in increasing the number of murabahah financing customers at BMT Karanganyar Paiton.

Speaking the market into being: artificial intelligence, predictive language, and the communicative power of central banks in Southeast Asia Mohammad Alief Hidayatullah
Indonesian Journal of Language and Economic Discourse Vol. 1 No. 2 (2026): Language, algorithms, and economic futures in Indonesia
Publisher : CV Narasi Khatulistiwa Indonesia

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.67490/ijle.v1i2.907

Background: Central-bank communication increasingly governs expectations through forecasts, conditional projections, and policy signals, while artificial intelligence expands the capacity to classify and compare such language across heterogeneous monetary regimes. Objective: This study examines how central banks in Indonesia, Singapore, Malaysia, and the Philippines construct economic futures, authorise policy judgement, and become analytically legible through AI-assisted textual modelling. Method: A comparative corpus-assisted discourse design analyses fourteen official English-language policy communications using predictive-language annotation, communicative-power coding, normalised institutional profiles, cosine similarity, concordance checking, and human validation. Results: Predictive discourse consistently combined epistemic modality, temporal projection, and inflation alignment, although quantification, conditionality, directional risk, and forecast revision varied across institutions. Communicative authority emerged through different configurations: Bank Indonesia foregrounded policy commitment and exchange-rate stability, MAS emphasised numerical forecasting and recalibration, BNM contextualised projections through broader macroeconomic conditions, and BSP combined formal decisions with forecast monitoring. Implication: Computational comparison identified substantial but incomplete institutional convergence, demonstrating that shared monetary vocabulary did not erase differences in mandate, genre, or policy orientation. Novelty: This study contributes an integrated account of predictive authority by linking linguistic futurity, institutional performativity, and explainable AI, while treating computational outputs as interpretive evidence requiring contextual and human scrutiny across linguistically and institutionally differentiated Southeast Asian monetary systems

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