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All Journal Jurnal Ilmiah Ekonomi Islam Community Development Journal: Jurnal Pengabdian Masyarakat Engagement: Jurnal Pengabdian Kepada Masyarakat At-Tahdzib: Jurnal Studi Islam dan Muamalah TIJAROTANA : Jurnal Ekonomi dan Bisnis Syariah ISTIFADA : Jurnal Ekonomi dan Lembaga Keuangan Syariah IFADAH : Jurnal Ekonomi dan Manajemen Syariah
Dimyati Dimyati
UIN SUNAN AMPEL SUARABAYA
Religion Arts Humanities Economics, Econometrics & Finance Education Health Professions Public Health Social Sciences

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PENYULUHAN KEPADA KOMUNITAS GURU MA’ARIF KECAMATAN DEKET KABUPATEN LAMONGAN TENTANG LEGALITAS DAN BAHAYA PINJAMAN ONLINE Dimyati Dimyati; Achmad Fageh; Atok Syihabuddin
Community Development Journal : Jurnal Pengabdian Masyarakat Vol. 4 No. 2 (2023): Volume 4 Nomor 2 Tahun 2023
Publisher : Universitas Pahlawan Tuanku Tambusai

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Abstract

Penyuluhan Hukum Ekonomi Syariah Tentang Legalitas Dan Bahaya Pinjaman Online ini dilakukan kepada Komunitas Guru Ma’arif Kecamatan Deket Kabupaten Lamongan. Hasil pelaksanaan kegiatan menunjukkan bahwa langkah-langkah penyuluhan yang dilakukan adalah dengan melakukan konsultasi terkait dengan rencana program sekaligus pemetaan isu, kemudian dilanjut dengan pelaksanaan diskusi dan penyuluhan sekaligus penyebaran angket sebelum dan setelah dilaksanakannya diskusi tersebut. Materi yang disampaikan saat diskusi adalah tentang hutang dalam perspektif Hukum Ekonomi Syariah serta legalitas dan bahaya pinjaman online, langkah selanjutnya adalah evaluasi terkait program yang sudah dijalankan sekaligus feedback. Sedangkan hasil dari penyuluhan tersebut adalah mayoritas peserta penyuluhan yang awalnya tidak memahami apa yang dimaksud dengan pinjaman online menjadi paham apa yang dimaksud dengan pinjaman online, baik mengenai seluk beluk, praktik dan bentuk, legalitas serta dampak pinjaman online. Ada beberapa saran terkait dengan hasil kegiatan ini diantaranya adalah kepada pemerintah diharapkan lebih menggalakkan kegiatan sosialisasi-sosialisasi tentang pinjaman online kepada masyarakat luas agar masyarakat tidak terjebak dalam praktik jerat pinjaman online karena minimnya literasi digital, juga kepada institusi perguruan tinggi diharapkan lebih intens lagi dalam mendampingi masyarakat melalui program pengabdiannya sehingga lembaga hadir ditengah masyarakat dalam upaya membantu memecahkan permasalahan yang sesuai kondisi di lapangan terkait dengan pinjaman online.
Smart Sukuk Berbasis Blockchain Tinjauan Maqasid Syariah Al-Najjar Dimyati Dimyati; Moh. Imron Rosyadi; Achmad Fageh
Jurnal Ilmiah Ekonomi Islam Vol 9, No 3 (2023): JIEI : Vol.9, No.3, 2023
Publisher : ITB AAS INDONESIA Surakarta

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.29040/jiei.v9i3.10409

Abstract

The concept of Blockchain-based Smart Sukuk involves the use of Blockchain technology and smart contracts in the issuance and execution of Sukuk. Smart Sukuk and Blockchain: One of the innovations of Blockchain systems is smart sukuk. Effective issuance of smart sukuk allows small and medium enterprises (MSMEs) to take advantage of it. Because it increases transparency and eliminates the possibility of fraud or speculation in sukuk transactions, Blockchain is a technology that builds trust between issuers and investors. Smart Contracts: Smart contracts run on the Ethereum Blockchain and allow smart sukuk to be automated and executed digitally. Smart contracts eliminate some of the components and parties involved in conventional sukuk, such as trustees, registrars, payment agents, calculation agents, arrangers, listing agents, transfer agents, and security depository. MSME Financing Potential: Blockchain-based Smart Sukuk has the potential to support the development of MSMEs and the deepening of the Islamic financial sector. Efficiency and Transparency: The use of Blockchain technology in Smart Sukuk can increase efficiency, transparency, and cost, allowing companies to utilize sukuk structures more efficiently
Strategy For Developing Digital-Based Sharia Financial Products To Improve Financial Inclusion Mohammad Syafii Budi Santoso; Mohamad Nur Husen; Abdul Wakhid; Dimyati Dimyati
TIJAROTANA : Jurnal Ekonomi Dan Bisnis Syariah Vol 7 No 01 (2026): Tijatorana : Jurnal Ekonomi dan Bisnis Syariah
Publisher : TIJAROTANA : Jurnal Ekonomi dan Bisnis Syariah

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.64454/tijarotana.v7i01.223

Abstract

This study aims to analyze the development strategy for digital-based Islamic financial products to increase financial inclusion. The development of digital technology has driven the transformation of the financial sector, including the Islamic financial industry. However, the level of financial inclusion in Indonesia still faces various challenges, particularly for communities that have not yet accessed formal financial services. This study uses a descriptive qualitative method with a literature study approach. The data used are secondary data obtained from scientific journals, books, and reports from relevant institutions. The data analysis technique used is content analysis. The results show that the development strategy for digital-based Islamic financial products includes digital product innovation, collaboration with fintech, increasing financial literacy, and strengthening Islamic regulations and compliance. Digital-based Islamic financial products have been proven to increase access, efficiency, and reach of financial services, thus contributing to increased financial inclusion. However, challenges remain, such as low digital literacy, security issues, and limited infrastructure. Therefore, synergy between financial institutions, regulators, and the public is needed to optimize the potential of Islamic financial digitalization
Revitalization of the Sakinah Family in Weru Village: Women's Empowerment and Child Protection Based on Asset-Based Community Development (ABCD) Mazroatus Saadah; Umi Chaidaroh; Dimyati
Engagement: Jurnal Pengabdian Kepada Masyarakat Vol. 10 No. 1 (2026): February 2026
Publisher : Asosiasi Dosen Pengembang Masyarajat (ADPEMAS) Forum Komunikasi Dosen Peneliti

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.29062/engagement.v10i1.2246

Abstract

Background: This community engagement program addresses the challenge of strengthening family resilience (sakinah families) by focusing on women's empowerment and child protection within the community. The program utilizes an asset-based perspective to build upon existing community strengths rather than focusing solely on deficiencies. Purpose of the Study: The program aims to revitalize the function of sakinah families through the specific objectives of enhancing women's leadership, providing Islamic parenting education, preventing early marriage, and fostering economic empowerment. Methods: The program was implemented using the Asset-Based Community Development (ABCD) framework, structured into five key stages: discovery, dream, design, delivery, and destiny. Activities included educational workshops, forum establishment, and productive economic training. Results: Quantitative results showed a significant increase in participants' legal and religious literacy, with understanding of the legal minimum marriage age rising from 36% to 89%. The program successfully established a sustainable women's forum (20 leaders) that coordinates monthly parenting and adolescent counseling sessions. Furthermore, the formation of a women's business group led to an average 15% increase in household income, demonstrating enhanced economic agency. The ABCD approach proved effective in building sustainable community structures for family development.
Exploring Economic Potential in Religious Tourism Areas Through A Tourism Awareness Paradigm Abdul Wakhid; Muhammad Syafi'i Budi Santoso; Zakiyyah Ilma Ahmad; Dimyati
At-Tahdzib: Jurnal Studi Islam dan Muamalah Vol 13 No 2 (2025): At-Tahdzib
Publisher : Sekolah Tinggi Agama Islam At-Tahdzib, Ngoro, Jombang, Indonesia

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.61181/kx9pj995

Abstract

Background. This article discusses the economic potential in religious tourism areas in Indonesia through the tourism awareness paradigm. The tourism sector, particularly religious tourism, has become an important pillar in economic growth, contributing around 4.5% to the national Gross Domestic Product (GDP). Aim. With the increasing number of domestic and international tourists, religious tourism areas such as Borobudur Temple and Istiqlal Mosque show a significant impact on regional income and job creation. Method. This study uses a qualitative approach with the Systematic Literature Review (SLR) method to identify economic opportunities and existing challenges. Result. The results of the study show that the application of the tourism awareness paradigm can increase community participation in the management and preservation of religious sites, as well as encourage the development of supporting infrastructure. Empowering local communities through small and medium enterprises (SMEs) also plays an important role in achieving sustainable economic benefits. Thus, the development of religious tourism areas not only improves the welfare of the community, but also preserves local culture and traditions.
STUDI ANALISIS HYBRID CONTRACT PADA PEMBIAYAAN IJARAH MUNTAHIA BI AL-TAMLIK DI PERBANKAN SYARIAH Dimyati Dimyati
TIJAROTANA : Jurnal Ekonomi Dan Bisnis Syariah Vol 1 No 02 (2020): Tijatorana : Jurnal Ekonomi dan Bisnis
Publisher : TIJAROTANA : Jurnal Ekonomi dan Bisnis Syariah

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.64454/tj.v1i02.12

Abstract

Hybrid contract in the financing of ijarah muntahia bi al-tamlik is to make two forms of contract, namely the lease agreement and the sale and purchase agreement into one. The concept of hybrid contract in the perspective of Islamic law is permissible. This is because some scholars have agreed on the ability to merge the two contracts. In the fiqh rules it has also been stated that the law of origin in all forms of mu'amalah is permissible unless there is a proposition that forbids it. In practice, the Syari'ah Financial Institution is inseparable from the decision of the National Syari'ah Council which in its fatwa mentioned the ability of a hybrid contract, namely in the fatwa of the National Syari'ah Council No.27/DSN-MUI/III/2002 about Ijarah Muntahia Bi Al-Tamlik.
PERAN KETERLIBATAN PERBANKAN SYARI’AH DALAM PENINGKATANN LITERASI FINANSIAL DI SEKOLAH: STUDI BANK SYARI’AH INDONESIA (BSI) Syafiul Umam; Muhammad Syafi'i Budi Santoso; Dimyati Dimyati
ISTIFADA : Jurnal Ekonomi dan Lembaga Keuangan Syariah Vol. 1 No. 01 (2025): ISTIFADA : Jurnal Ekonomi Dan Lembaga Keuangan Syariah
Publisher : LPPM STIES BABUSSALAM

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.64454/istifada.v1i01.111

Abstract

Salah satu lembaga keuangan syariah yang cukup populer di daerah Jombang adalah BMT Syariah. Penelitian ini bertujuan untuk menyajikan informasi terkait strategi pemasaran yang digunakan oleh lembaga keuangan syariah yaitu BMT di Kabupaten Jombang dalam menarik konsumennya. Metode yang digunakan dalam penelitian ini adalah Systematic Literature Review (SLR) untuk mengidentifikasi, mengevaluasi, dan menafsirkan hasil penelitian yang relevan dengan topik yang diteliti, Hasil penelitian menunjukkan bahwa terdapat beberapa strategi pemasaran yang digunakan antara lain: 1) Pemanfaatan media promosi seperti media sosial, menyebarkan brosur, media periklanan, personal selling, mulut ke mulut, promosi penjualan, sosialisasi. 2) Pengembangan sumber daya manusia sebagai kunci dalam keberhasilan pemasaran. 3) menerapkan ekspansi pasar, memperluas pangsa pasar bisa dikatakan memperbesar bisnis. 4) Menerapkan sistem jemput bola dengan mendatangi rumah ke rumah untuk mempermudah pelayanan kepada masyarakat. Pemasaran tidak hanya sebatas menjual saja, namun lebih luas dari itu adalah sebuah proses yang mencakup mulai dari perencanaan, pelaksanaan hingga evaluasi.
EFEKTIVITAS PENGENDALIAN INTERNAL PADA PROSEDUR PEMBIAYAAN DI BPRS LANTABUR TEBUIRENG Nur Laily Hidayati; Ahmad Syahni; Dimyati Dimyati
ISTIFADA : Jurnal Ekonomi dan Lembaga Keuangan Syariah Vol. 1 No. 02 (2025): ISTIFADA : Jurnal Ekonomi Dan Lembaga Keuangan Syariah
Publisher : LPPM STIES BABUSSALAM

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.64454/istifada.v1i02.179

Abstract

Penelitian ini bertujuan untuk menganalisis efektivitas pengendalian internal pada prosedur pembiayaan di BPRS Lantabur Tebuireng. Latar belakang penelitian ini adalah pentingnya penerapan sistem pengendalian internal yang baik untuk mengelola risiko besar yang terkandung dalam penyaluran pembiayaan, terutama yang bersumber dari dana pihak ketiga yang dikelola BPRS. Penelitian ini menggunakan metode deskriptif kualitatif. Pengumpulan data dilakukan melalui observasi lapangan terkait Pengendalian Internal dan kebijakan prosedur pemberian pembiayaan di BPRS Lantabur, serta wawancara dengan Satuan Pengendalian Internal, account officer, pimpinan cabang, dan legal officer. Data yang diperoleh kemudian dideskripsikan untuk melihat sejauh mana efektivitas kontribusi pengendalian internal dalam mengawasi prosedur pembiayaan yang benar dan menghindari penyimpangan, dengan harapan meminimalisir terjadinya risiko pembiayaan bermasalah. Hasil penelitian menunjukkan bahwa Sistem Pengendalian Internal pada prosedur pembiayaan di BPRS Lantabur Tebuireng secara umum telah berjalan efektif. Efektivitas ini terlihat dari penerapan kelima unsur pengendalian internal (lingkungan pengendalian, penilaian risiko, aktivitas pengendalian, informasi dan komunikasi, serta pengawasan) di setiap tahapan prosedur pembiayaan. Efektivitas pengendalian paling menonjol pada tahap pra-pencairan pembiayaan, yang ditandai dengan adanya pemisahan fungsi yang jelas, mekanisme otorisasi berjenjang melalui Komite Pembiayaan, dan kelengkapan dokumentasi, yang secara signifikan meminimalisir risiko salah analisis dan potensi fraud. Meskipun efektif, terdapat ruang untuk perbaikan, khususnya pada aspek pengawasan (monitoring) pembiayaan setelah dana dicairkan dan aspek komunikasi hasil pemantauan. Pelaporan pemantauan masih kurang terstruktur dan cenderung reaktif, yang dapat memperlambat tindakan pencegahan dini terhadap pembiayaan yang berpotensi bermasalah. Oleh karena itu, disarankan untuk memperkuat fungsi pemantauan dengan membuat format laporan kunjungan nasabah yang lebih terstruktur dan terjadwal, serta meningkatkan sistem informasi dan komunikasi, misalnya dengan memanfaatkan teknologi untuk pelaporan lapangan secara real-time.
The Potential of Integrating Islamic Microfinance Institutions (BMT) with the Halal Tourism Ecosystem in Empowering the Local Creative Economy Dimyati Dimyati
ISTIFADA : Jurnal Ekonomi dan Lembaga Keuangan Syariah Vol. 2 No. 02 (2026): ISTIFADA : Jurnal Ekonomi Dan Lembaga Keuangan Syariah
Publisher : LPPM STIES BABUSSALAM

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Abstract

The development of the halal tourism industry in Indonesia offers significant opportunities for regional economic growth through strengthening the creative economy-based micro, small, and medium enterprises (MSMEs). However, limited access to Islamic financing, low business capacity, and weak stakeholder integration remain obstacles to optimizing the economic benefits of halal tourism for local communities. This study aims to analyze the potential integration of Islamic Microfinance Institutions, specifically Baitul Maal wat Tamwil (BMT), with the halal tourism ecosystem to support the empowerment of the local creative economy. The study employed a qualitative approach with library research methods through analysis of various scientific literature, policy reports, regulations, and relevant previous research findings. Data were analyzed using content analysis techniques to identify the relationship between the Islamic financial intermediation function of BMTs and the development needs of the halal tourism ecosystem. The research results show that BMT has strategic potential as an intermediary institution that not only provides sharia-based financing, but also plays a role in business mentoring, sharia financial literacy education, strengthening halal business networks, and optimizing Islamic social funds such as zakat, infaq, sedekah, and productive waqf. The integration of BMT with the halal tourism ecosystem can increase the capacity of local creative economy actors through halal MSME financing, local wisdom-based product development, halal certification, marketing digitalization, and collaboration with local governments, tourism industry players, and community groups. This synergy contributes to increasing the competitiveness of halal tourism destinations, creating jobs, increasing community income, and strengthening a sustainable inclusive economy in accordance with the principles of maqashid sharia. This research implies that strengthening multi-stakeholder collaboration between BMT, the government, tourism industry players, halal certification institutions, and creative economy communities is an important strategy in building a competitive halal tourism ecosystem that is able to drive sustainable local economic growth
POTENSI PEMANFAATAN WAKAF TUNAI UNTUK PEMBIAYAAN STARTUP BISNIS SYARIAH Dimyati; Ahmad Zainul Abidin
IFADAH : Jurnal Ekonomi Dan Bisnis Syariah Vol 1 No 01 (2025): IFADAH : Jurnal Ekonomi Dan Manajemen Syariah
Publisher : LPPM STIES BABUSSALAM

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.64454/ifadah.v1i01.100

Abstract

Wakaf tunai merupakan instrumen filantropi Islam yang memiliki potensi besar dalam mendukung pembangunan ekonomi umat secara berkelanjutan. Salah satu bentuk pemanfaatan strategisnya adalah sebagai sumber pembiayaan bagi startup bisnis syariah yang sering menghadapi keterbatasan akses terhadap pendanaan konvensional. Penelitian ini bertujuan untuk menganalisis potensi pemanfaatan wakaf tunai sebagai alternatif pembiayaan startup syariah serta meninjau mekanisme dan tantangan implementasinya. Metode penelitian yang digunakan adalah studi kualitatif dengan pendekatan deskriptif-analitis melalui tinjauan literatur dan data sekunder. Hasil kajian menunjukkan bahwa wakaf tunai dapat menjadi solusi inovatif dalam memperkuat ekosistem kewirausahaan syariah, asalkan dikelola secara profesional, transparan, dan sesuai prinsip-prinsip syariah. Kendala utama meliputi rendahnya literasi wakaf di kalangan masyarakat, belum optimalnya peran nazhir, serta belum tersedianya regulasi dan model bisnis yang mendukung integrasi wakaf dengan sektor startup. Dengan penguatan regulasi, dukungan teknologi, dan kolaborasi antar pemangku kepentingan, wakaf tunai berpotensi menjadi sumber pembiayaan yang inklusif dan berkelanjutan bagi pengembangan bisnis syariah di Indonesia.
Co-Authors Abdul Wakhid Abdul Wakhid Abdul Wakhid Achmad Fageh Ahmad Syahni Ahmad Zainul Abidin Ahmad Zainul Abidin Ahmad, Zakiyyah Ilma Atok Syihabuddin Mazroatus Saadah Mohamad Nur Husen Mohammad Syafii Budi Santoso Muhammad Khoirun Nasirin Muhammad Khoirun Nasisirin Muhammad Syafi'i Budi Santoso Muhammad Syafi'i Budi Santoso Nur Laily Hidayati Rakhmawan Habibi Rosyadi, Imron Syafiul Umam Umi Chaidaroh Zakiyya Ilma Ahmad Zakiyyah Ilma Ahmad