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All Journal JSEH (Jurnal Sosial Ekonomi dan Humaniora) Profit : Jurnal Kajian Ekonomi dan Perbankan Syariah MANAGERE : Indonesian Journal of Educational Management Jurnal Dinamika Ekonomi Syariah DEDIKASI PKM Jurnal Akuntansi dan Keuangan Kontemporer (JAKK) JES (Jurnal Ekonomi STIEP) Jurnal Ekonomi Tasnim Journal for Community Service International Journal of Science and Environment International Journal of Management and Business Economics Managere: Indonesian Journal of Educational Management Indonesian Journal of Management and Accounting Anjasmoro: Islamic Interdisciplinary Journal Proceeding Of International Conference On Education, Society And Humanity Jurnal Akuntansi, Ekonomi dan Manajemen Bisnis Indonesian Journal of Language and Economic Discourse
Mohammad Alief Hidayatullah
Universitas Nurul Jadid
Religion Agriculture, Biological Sciences & Forestry Humanities Biochemistry, Genetics & Molecular Biology Chemical Engineering, Chemistry & Bioengineering Chemistry Decision Sciences, Operations Research & Management Economics, Econometrics & Finance Education Industrial & Manufacturing Engineering Languange, Linguistic, Communication & Media Law, Crime, Criminology & Criminal Justice Mathematics Physics Social Sciences Other

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Efektifitas Pembayaran Non Tunai Santri Dalam Upaya Meningkatkan Layanan Keuangan Pesantren Modern Hidayatullah, Mohammad Alief; Edianto, Ahmad; Ubaidillah, Feri; Muarif, Samsul; Susanto, Agus
DEDIKASI PKM Vol. 5 No. 1 (2024): DEDIKASI PKM UNPAM
Publisher : Universitas Pamulang

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.32493/dedikasipkm.v5i1.36283

Abstract

Penelitian ini bertujuan untuk menginvestigasi efektivitas pembayaran non tunai yang memperioritaskan kepercayaan santri. Pemberian edukasi kepada santri serta keamanan private santri dalam pengunaan sistem tersebut. Metode pembayaran non tunai telah menjadi salah satu inovasi terkini yang menawarkan potensi untuk mengubah paradigma pembayaran di pesantren modern serta meminimalisir masalah kehikangan dan borosnya santri dalam pengelolaan keuangan. Penelitian ini akan mengadopsi pendekatan kuantitatif dan kualitatif dengan melakukan survei dan wawancara kepada sejumlah sampel santri di beberapa pesantren modern. Data yang terkumpul akan dianalisis menggunakan teknik statistik dan perbandingan sebelum dan sesudah diterapkannya sistem pembayaran non tunai. Hasil penelitian menunjukan bahwa pengaruh keamanan dan berpengaruh positif terhadap kepercayaan. Dan kemudahan berpengaruh positif terhadap kepercayaan. Serta manfaat berpengaruh positif terhadap kepercayaan. Selain itu, pemberian edukasi kepada santri tentang pentingnya penggunaan pembayarab non tunai dengan memberikan pemahaman sejak pertama kali daftar ke pesantren dan sosialisasi oleh pihak e-bekal. Dalam penggunaan e-bekal sangat di haruskan menjaga data private santri dalam penerepan sintem oleh pihak pesantren.
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 : Lembaga Pengembangan Kinerja Dosen

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

Abstract

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

Abstract

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

Abstract

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

Abstract

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

Abstract

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
The Role Of Sharia Financial Literacy In Millennials' Adoption Of Islamic Financial Products At BMT Nu Besuki: Implications For Islamic Financial Inclusion Mohammad Alief Hidayatullah; Siti Sofiatun
International Journal of Management and Business Economics Vol. 4 No. 3 (2026): June
Publisher : CV Putra Publisher

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.58540/ijmebe.v5i1.1927

Abstract

This study aims to analyze the role of Islamic financial literacy in influencing millennials' decisions to use Islamic financial products at BM T NU Besuki. The rapid development of Islamic financial institutions in Indonesia has not been fully supported by an adequate level of Islamic financial literacy, particularly among the millennial generation. This research employs a quantitative approach with a descriptive-correlational design. The population consists of millennial customers aged 25–40 years who are active members of BMT NU Besuki. Using purposive sampling technique, 75 respondents were selected as the research sample. Data were collected through a structured questionnaire based on a Likert scale and analyzed using descriptive statistics, Pearson correlation, and simple linear regression. The findings indicate that Islamic financial literacy has a positive and significant effect on the decision to use Islamic financial products. The higher the level of Islamic financial literacy, the stronger the tendency of millennials to choose and utilize sharia-based financial services. These results highlight the importance of strengthening Islamic financial literacy programs as a strategic effort to enhance product utilization and promote ethical financial behavior among millennials.
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

Show Abstract | Download Original | Original Source | Check in Google Scholar

Abstract

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.
Operational Effectiveness of Unuja Mini Bank In Improving Sharia Financial Literacy of Students Mohammad Alief Hidayatullah; Lukman Hakim
International Journal of Science and Environment (IJSE) Vol. 5 No. 2 (2025): May 2025
Publisher : CV. Inara in Colaboration with www.stie-sampit.ac.id

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.51601/ijse.v5i2.138

Abstract

This study aims to describe and analyze the data-driven planning process implemented at Vocational High School (SMK) Negeri 1 Manado. Using a qualitative case study approach, data were collected through observation, interviews, and documentation from February to April 2025. The study focuses on three main stages: data-based identification of educational problems, root cause reflection, and the improvement of school programs and activities. The findings reveal that SMK Negeri 1 Manado systematically conducts problem identification using Education Report Card data and other internal data, involving various stakeholders. The root cause reflection is conducted collectively and systematically using gap analysis and data triangulation methods. Program improvements are designed based on identification and reflection results, with specific goals and measurable indicators, which are then incorporated into the Annual Work Plan and School Activity and Budget Plan. These stages form a sustainable data-driven planning cycle supported by proactive leadership and a collaborative culture within the school. This study contributes as a best practice model of evidence-based educational planning for school quality improvement.
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

Abstract

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.
Co-Authors Abdillah, Ikhwan Agus Susanto Ahmad Zaenal Abidin Ainur Rofiqul Azizi Altofina, Naila Dwi Firlana Rosa Edianto, Ahmad Feri Ubaidillah Fitriani Fitriani Hartono, Rudi Khaerunnisa. A, St. Kholiza, Siti Nur Lugiato, Lugiato Lukman Hakim Muarif, Samsul MUFIDATUL HIMMAH Muhammad Sirajuddin Nanda Putra Afnany, Moch. Rifqi Nofitasari, Dian Evy Nurul Jipri, Moh. Amin Rafika Lusi Aprilia Rahayu, Asri Riska Nuri Anggraeni Rizal, Sofian Syaiful Salim Rahmatullah Silvi Nury Romadhoni Siti Fatimah Siti Sofiatun Ubaidillah, Feri Urip Santoso Widya Anggraini Widya Anggraini