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All Journal EKSYAR: Jurnal Ekonomi Syari'ah & Bisnis Islam Episteme: Jurnal Pengembangan Ilmu Keislaman Imtiyaz : Jurnal Ilmu Keislaman Proceedings of Annual Conference for Muslim Scholars Al-Aqwam: Jurnal Studi Al-Qur'an dan Tafsir Al-Muraqabah: Journal of Management and Sharia Business Musyarakah: Journal of Sharia Economics (MJSE) JSE: Jurnal Sharia Economica Journal of Economics, Assets, and Evaluation
Mei Santi, Mei
TEC Tulungagung
Religion Arts Humanities Decision Sciences, Operations Research & Management Economics, Econometrics & Finance Education Law, Crime, Criminology & Criminal Justice Social Sciences Other

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PERAN PINJAMAN DANA BERBASIS ONLINE MELALUI APLIKASI TERHADAP PEREKONOMIAN DI INDONESIA Santi, Mei
EKSYAR: Jurnal Ekonomi Syari'ah & Bisnis Islam Vol 6 No 02 (2019): Jurnal Ekonomi Syariah & Bisnis Islam
Publisher : LIPI

Show Abstract | Download Original | Original Source | Check in Google Scholar | Full PDF (512.166 KB)

Abstract

One of the facilities offered by Indonesian financial institutions is credit. Where in Indonesia, demand for credit is very high. To support this, online loans have emerged that have an important role as one of the government partners who will contribute to channeling more loans to customers. The role of online loans through applications with various advantages which include: fast processing; easy terms; flexible; credit calculator; as well as a variety of products, are expected to help equal distribution to the public to become users of financial services. With access to finance for all levels of society it will certainly be able to help drive the economy in Indonesia and provide a major contribution to the progress of economic development in Indonesia in particular.
Tantangan Inklusi Keuangan Syariah Era Disrupsi Sultoni, Hasan; Santi, Mei; Rifai, Muhammad Saiful
Musyarakah: Journal of Sharia Economic (MJSE) Vol 3, No 2 (2023): October
Publisher : Universitas Muhammadiyah Ponorogo

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.24269/mjse.v12i2.8600

Abstract

This research aims to know and understand the Disruption Era and its impact on Sharia Financial Inclusion. Financial inclusion is an effort that makes it easy to access a more prosperous life for all people. This research uses a literature review research method, obtaining data from Scientific Journal literature and data related to Islamic Financial Inclusion in Indonesia. This inclusion program is very important for equal access to the entire community, especially for someone who is unbankable. In this program, the role of the government and financial institutions, both conventional and sharia, is very influential. Inclusive, stable finance will be achieved through five pillars and foundations, including; Financial Education Pillar, Community Property Rights Pillar; Product Pillar, Intermediation and Distribution Channels; Financial Services Pillar in the Government Sector; Consumer Protection Pillar. The impact that occurs in the development of Financial Inclusion in the era of disruption is the emergence of FinTech, which is able to open various facilities for consumers in using / utilizing various financial services digitally, such as: payments, loans, investments, and insurance.
Inclusiveness of Muslim Da'wah and Entrepreneurship for Persons with Disabilities through Social Media Based on Gus Dur's Islamic Spirituality Aziz, Muhajir Sulthonul; Ilham, Moh; Santi, Mei
Al-Muraqabah: Journal of Management and Sharia Business Vol. 5 No. 1 (2025): Al-Muraqabah: Journal of Management and Sharia Business
Publisher : Sharia Business Management Study Program, Faculty of Economics and Islamic Business at IAIN Kediri

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.30762/al-muraqabah.v5i1.2297

Abstract

This study aims to explore the transformation of Islamic preaching and Muslim entrepreneurship practices conducted by persons with disabilities through social media, grounded in Islamic spiritual values inspired by the thoughts of KH. Abdurrahman Wahid (Gus Dur). Using a qualitative case study approach, this research focuses on three social media accounts owned by disabled Muslim entrepreneurs: @rumahaspirasitunanetra, @thisablebeautycare, and @ekosugeng. The findings reveal that social media not only serves as a communication tool but also functions as a digital preaching space and spiritual marketplace, reinforcing the role of people with disabilities as active agents of change. The participants successfully integrated Islamic values such as amanah (trustworthiness), rahmah (compassion), and maslahah (public good) into their entrepreneurial and preaching activities. These findings highlight the urgency of inclusive preaching approaches and the necessity to expand the Islamic Value-Based Entrepreneurship (IVBE) model to encompass marginalized experiences. The study concludes that spirituality-based preaching and business can be powerful strategies for social emancipation and for shaping an inclusive Islamic discourse.
ANALISIS KOOPERATIF GADUH TERNAK KAMBING MENURUT EKONOMI ISLAM DI KABUPATEN TULUNGAGUNG Suksesiyah, Putri Kumula; Santi, Mei
IMTIYAZ: Jurnal Ilmu Keislaman Vol. 8 No. 1 (2024): Maret
Publisher : LPPM STAI Muhammadiyah Probolinggo

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Abstract

The livestock rearing system, known as gaduh goats, is when capital owners or investors have goats and hand them over to other parties to care for them, and are given compensation in the form of profit sharing. In this research, researchers will examine the cooperative analysis of rowdy goat farming according to Islamic Economics in Pojok Village, Ngantru District, Tulungagung Regency. This research intends to analyze cooperative rowdy goat farming according to Islamic Economics. The method applied is a descriptive qualitative approach intended to analyze data in the form of words and images. The types of data processed are primary and secondary data. Primary data was collected directly in the field, namely through owners and breeders, while secondary data was obtained from books and online journals. Data collection applies observation, interview, and documentation techniques. The concept of profit sharing aims to organize partnerships to bear risks and obtain business results for both parties. In this system, there is no guarantee of fixed profits, and profits and losses are shared according to the initial agreement. This principle avoids the element of uncertainty that includes ordinary business risks, but not excessive uncertainty (gharar), which is not permitted in Islam. Risk management in this noisy system is by the principles of Islamic Economics, where future risks are borne by all parties. Keyword: Goat Rowing Practice, Cooperative, Profit Sharing.
TEKNIK PENGUMPULAN DAN PENYALURAN ZAKAT, INFAK, DAN SEDEKAH PADA MITRA ZAKAT BAITUL MAAL HIDAYATULLAH KABUPATEN TULUNGAGUNG Susilowati, Dwi; Santi, Mei
IMTIYAZ: Jurnal Ilmu Keislaman Vol. 8 No. 1 (2024): Maret
Publisher : LPPM STAI Muhammadiyah Probolinggo

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.46773/imtiyaz.v8i1.1102

Abstract

Abstract Hidayatullah Islamic Boarding School has a social institution called Baitul Maal Hidayatullah which focuses on da'wah and education. Apart from that, Baitul Maal Hidayatullah became Mitra Zakat, a part and partner of the National Amil Zakat Institution. Baitul Maal Hidayatullah is at the Surya Melati Hidayatullah Educational Institution Bandung Tulungagung. This research will look at how Baitul Maal Hidayatullah Zakat Partners, Tulungagung Regency collect and distribute zakat, infaq and alms. This research aims to find out how Baitul Maal Hidayatullah Zakat Partners, Tulungagung Regency collect donations, zakat funds and alms and how these funds are distributed. This research adopts a qualitative approach with descriptive methods as its basis. Information was collected through a documentation process and in-depth interviews; Data analysis is carried out through reduction, delivery and conclusions. Research findings show that there are three strategies for raising funds through zakat, infaq and alms: the traditional method involves visiting the prospective muzaki's home, where programs are presented in the form of proposals, and the muzaki can visit the office directly to make donations. Meanwhile, the modern approach utilizes online platforms that provide information related to the programs being implemented, with the use of social media to build sympathy from muzaki. In following the evolution of the times, this approach always adapts to technological advances that make transactions easier for muzaki. Donation funds were given directly to the Surya Melati Hidayatullah Bandung Tulungagung Educational Institution, to be further managed by the financial department in accordance with the zakat, infaq and alms program at Baitul Maal Hidayatullah Zakat Partners, Tulungagung Regency. Keywords: Technique, Collection, Distribution, Zakat, Infaq, Alms
PERAN BAITUL MAAL HIDAYATULLAH DALAM MENYALURKAN INFAK KE PONDOK PESANTREN NURUL IMAN HIDAYATULLAH Syahidah, Aulia Nisa Asy; Santi, Mei
IMTIYAZ: Jurnal Ilmu Keislaman Vol. 8 No. 1 (2024): Maret
Publisher : LPPM STAI Muhammadiyah Probolinggo

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.46773/imtiyaz.v8i1.1103

Abstract

  Baitul Maal Hidayatullah is a social organization that collects zakat, infaq, sadaqah, waqf and grants in the form of corporate and social responsibility funds and then distributes them through educational, da'wah, social and economic programs throughout the country. One of the programs that aims to build mental and cognitive strength for the next generation using an educational approach is scholarships for students who are financially disadvantaged. With this program, Baitul Maal Hidayatullah captures orphans and poor children through the Nurul Iman Hidayatullah Islamic boarding school which is located in Ketanon Village, Kedungwaru District, Tulungagung Regency. So that orphaned and poor students are prosperous and their education is helped through the boarding school. This research examines how Baitul Maal Hidayatullah helps Nurul Iman Hidayatullah Islamic boarding school. The purpose of this research is to see how Baitul Maal Hidayatullah helps the Nurul Iman Hidayatullah Islamic boarding school. This research applies a type of qualitative research using descriptive methods. The data collection method is by asking a few questions, seeing directly in the field and taking some documents or appropriate data. Data analysis techniques include adjustment, presentation and conclusion. The results of this study prove that Baitul Maal Hidayatullah is an organization that aims to collect zakat, infaq, sadaqah and waqf funds, which then one of the sources of funds in the form of infaq is distributed to mustahik. The infaq funds collected by Baitul Maal Hidayatullah are well channeled to the Nurul Iman Hidayatullah Islamic boarding school. Several programs to support the distribution of infaq include tahfidz santri scholarships, santri rice, santri construction, santri operations and cottage teacher operations. Keywords: Role, Baitul Maal, Hidayatullah, Infaq, Islamic Boarding School.
ETOS KERJA KARYAWAN DALAM MENINGKATKAN PRODUKTIVITAS DI PT HDMS PROFESSIONAL BLITAR PERSPEKTIF EKONOMI ISLAM Krisdianti, Rita; Santi, Mei
IMTIYAZ: Jurnal Ilmu Keislaman Vol. 8 No. 1 (2024): Maret
Publisher : LPPM STAI Muhammadiyah Probolinggo

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.46773/imtiyaz.v8i1.1115

Abstract

Islam, among the world's religions, is the only religion that upholds the value of work. A job reflects the actual duties, obligations and responsibilities of each individual employee towards their position. In a company, employee work ethic plays an important role in contributing to the progress and decline of a company. In Islam, the work ethic must be based on three elements, namely, monotheism, piety and worship. This means that monotheism (faith in Allah Almighty) causes a person to assess that his work and the results of his work are a means of uniting Allah SWT. However, in the reality of life, there are still many employees, especially Muslims, who are still lazy, undisciplined, unwilling to work hard, and work as they please or what could be called a lack of work ethic. In this research, researchers will examine various types of work ethic that influence company productivity, and how to improve employee work ethic based on an Islamic economic perspective. This research employs a qualitative methodology characterized by a case study approach, emphasizing descriptive analysis.The work ethic of employees at PT HDMS Professional Blitar is fluctuating, meaning that the conditions of each employee are different from one employee to another. Lack of employee work ethic can be overcome by making conditions as comfortable as possible in the workplace and establishing good relationships between employees and company leaders. Keywords: Ethos, Work, Productivity, Economy, Islam.
Penyelesaian Pembiayaan Macet Pada Anggota Koperasi Simpan Pinjam Pembiayaan Syariah Baitut Tamwil Muhammadiyah Surya Madinah Tulungagung Ahmadi, Bagus; Suksesiyah, Putri Kumula; Santi, Mei; Nur’aini, Arif
Journal of Economics, Assets, and Evaluation Vol. 1 No. 1 (2023): September
Publisher : Indonesian Journal Publisher

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.47134/jeae.v1i1.74

Abstract

Cara penyelesaian pembiayaan macet pada KSPPS BTM Surya Madinah menggunakan asas kekeluargaan, dimana anggota yang terlambat membayar dihubungi terlebih dahulu dikonfirmasi mengapa terlambat dan kapan kesanggupan untuk membayar. Tetapi apabila anggota mangkir membayar hingga bulan ke 4 maka mulai saat itu pihak KSPPS BTM Surya Madinah bertindak tegas sesuai SOP yang ada. Kemudian cara yang terakhir jika tidak mau membayar sampai 4 bulan maka yang kita lakukan penarikan jaminan atau bahasanya biasanya titip jaminan ke kantor, lalu jika sudah bisa membayar akan kami kembalikan jaminan tersebut, apabila tetap tidak bisa membayar maka akan kita jual bersama jaminan tersebut. Penyelesaian pembiayaan macet pada KSPPS BTM Surya Madinah tersebut sudah sesuai dengan ketentuan DSN MUI No. 23/DSN-MUI/III/2002 dan OJK, SOP penyelesaian pembiayaan macet yang ada di KSPPS BTM Surya Madinah sebenarnya sudah sesuai dengan ketentuan DSN MUI dan OJK. Tetapi lagi-lagi belum bisa dilaksanakan sepenuhnya karena memang melihat kondisi dari anggota KSPPS BTM Surya Madinah. Toleransi–toleransi yang ada di lapangan masih tetap dipertahankan karena untuk menjaga keberlangsungan pembiayaan anggota. The method for resolving bad financing at KSPPS BTM Surya Madinah uses the kinship principle, where members who are late in paying are telephoned first to confirm why they are late and when they will be able to pay. However, if a member fails to pay until the 4th month, from then on the KSPPS BTM Surya Madinah will act firmly according to the existing SOP. Then the last way is if you don't want to pay for up to 4 months then what we do is withdraw the guarantee or the language is usually to leave the guarantee with the office, then if we can pay we will return the guarantee, if we still can't pay then we will sell it along with the guarantee. The resolution of bad financing at KSPPS BTM Surya Madinah is in accordance with the provisions of DSN MUI No. 23/DSN-MUI/III/2002 and OJK, the SOP for resolving bad financing at KSPPS BTM Surya Madinah is actually in accordance with the provisions of DSN MUI and OJK. But again, it cannot be implemented completely because it looks at the condition of the KSPPS BTM Surya Madinah members. Existing tolerances in the field are still maintained to maintain the continuity of member financing.
Menyingkap Fenomena Alam Semesta Bertasbih dan Bersujud (Studi Korelasi antara Ayat-ayat Kauniyah dengan Ayat-ayat Qauliyah) Solihin, Misbakhul khaer; Santi, Mei
Al-Aqwam: Jurnal Studi Al-Quran dan Tafsir Vol. 2 No. 2 (2023): Online Journal
Publisher : Program Studi Ilmu Al-Quran dan Tafsir

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.58194/alaqwam.v2i2.1201

Abstract

In the beginning, many ordinary people assumed that lifeless objects (al-Jama>da>t) are inanimate objects that are static, inactive, and not developing. But the presence of science proves the untruth of this assumption and the Qur’an turns out to be 1400 years ago has first revealed the facts. The Qur’an although not a book of science, explicitly guides and instructs humans to read, observe, and conduct a series of research and trials on the symptoms of the universe’s phenomena. phenomena of the universe that are so powerful. This paper aims to uncover part of the macrocosm, which is the verses of Kauniyah, which are clearly stated by the verses of Qauniyah. Clearly stated by the Qauliyah verses of glorifying and prostrating, then the two types of verses are harmonized, so that it is found that the content of the Qur’an does not contradict modern science which continues to experience does not contradict modern science which continues to develop. This research is a literature type, with qualitative methods and using a descriptive-narrative approach. As for the results of the study, by referring to the opinions of the commentators regarding the universe of dhikr, praise, and prostration, it shows that there is a very close relationship between the verses of Kauniyah as sunnatullah with the verses of Qauliyah, where both come from Allah SWT. Between Qauliyah verses and Kauniyah verses both reinforce each other, Qauliyah verses reinforce the truth of Kauniyah verses, and vice verses, Kauniyah verses reinforce the truth of Qauliyah verses. Thus the microcosm (atoms) and macrocosm rotate/circulate or surround the center of the solar system is a form of tasbih and prostration (submission) to the Creator in order to maintain its balance from destruction.
ANALISIS SWOT IMPLEMENTASI SERTIFIKASI HALAL PADA UMKM MAKANAN DAN MINUMAN KACAMATA MAQASHID SYARIAH santi, mei; Eko Sujianto, Agus; Akhyak, Akhyak; Ashlihah, Ashlihah
JSE: Jurnal Sharia Economica Vol. 4 No. 4 (2025): Oktober
Publisher : LPPM STAI Muhammadiyah Probolinggo

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.46773/jse.v4i4.2890

Abstract

Muslim consumer awareness of halal products in Indonesia continues to grow, yet the implementation of halal certification in food and beverage MSMEs still faces various challenges. This study aims to analyze the implementation of halal certification for MSMEs using the maqashid sharia approach and SWOT analysis. The research method used is qualitative descriptive-exploratory through in-depth interviews, observations, and documentation. The findings show that although the Free Halal Certification Program (SEHATI) and the OSS system ease access, MSME actors still face challenges related to digital literacy, understanding of procedures, and limited guidance. The SWOT analysis identifies strengths in religious motivation and regulatory support, weaknesses in technical-administrative aspects, opportunities from the growth of the global halal market, and threats in the form of digital inequality and low synergy between institutions. The maqashid sharia approach shows that digital halal certification contributes to the protection of religion, life, intellect, wealth, and business sustainability. This study highlights the importance of collaborative approaches and affirmative policies to enhance halal certification access for MSMEs, especially in peripheral areas.
Co-Authors Agus Eko Sujianto Akhyak, Akhyak Ashlihah, Ashlihah Aziz, Muhajir Sulthonul Bagus Ahmadi, Bagus Dwi Susilowati Ilham, Moh Krisdianti, Rita Nur’aini, Arif Rifai, Muhammad Saiful Solihin, Misbakhul khaer Suksesiyah, Putri Kumula Sultoni, Hasan Syahidah, Aulia Nisa Asy