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All Journal Jurnal Istiqro' Profit : Jurnal Kajian Ekonomi dan Perbankan Syariah Jurnal Ilmiah Edunomika (JIE) TIN: TERAPAN INFORMATIKA NUSANTARA Jurnal Akuntansi dan Keuangan Kontemporer (JAKK) Salwatuna: Jurnal Pengabdian Kepada Masyarakat Sibatik Journal : Jurnal Ilmiah Bidang Sosial, Ekonomi, Budaya, Teknologi, Dan Pendidikan Al-MIKRAJ: Jurnal studi Islam dan Humaniora International Journal of Science and Environment Jurnal Ilmu Pendidikan dan Sains Islam Interdisipliner Journal of Economics and Social Sciences Jurnal Manajemen Dan Bisnis Ekonomi Iltizamat : Journal Of Economic Sharia Law and Business Studies El-Mal: Jurnal Kajian Ekonomi & Bisnis Islam AL-MANSYUR Aafiyah: Jurnal Multidisiplin Ilmu Jurnal Akuntansi, Ekonomi dan Manajemen Bisnis IZZI: Jurnal Ekonomi Islam MUQADDIMAH: Jurnal Ekonomi, Manajemen, Akuntansi dan Bisnis
Romzatul Widad
Universitas Nurul Jadid
Religion Aerospace Engineering Agriculture, Biological Sciences & Forestry Arts Humanities Automotive Engineering Biochemistry, Genetics & Molecular Biology Chemical Engineering, Chemistry & Bioengineering Chemistry Civil Engineering, Building, Construction & Architecture Computer Science & IT Decision Sciences, Operations Research & Management Dentistry Earth & Planetary Sciences Economics, Econometrics & Finance Education Energy Engineering Environmental Science Health Professions Immunology & microbiology Industrial & Manufacturing Engineering Languange, Linguistic, Communication & Media Law, Crime, Criminology & Criminal Justice Library & Information Science Materials Science & Nanotechnology Mathematics Mechanical Engineering Medicine & Pharmacology Neuroscience Nursing Physics Social Sciences Veterinary Other

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IMPLEMENTASI ETIKA BISNIS ISLAM PADA UMKM BURUNG PUYUH PETELUR DI DESA TRIBUNGAN KECAMATAN MANGARAN KABUPATEN SITUBONDO Romzatul Widad
IZZI: Jurnal Ekonomi Islam Vol. 3 No. 2 (2023): IZZI: Jurnal Ekonomi Islam
Publisher : Lembaga Penerbitan, Penelitian, dan Pengabdian kepada Masyarakat (LP3M)  of Institut Badri Mashduqi Probolinggo Jawa timur Indonesia

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

Abstract

The purpose of this study was to determine the application of business ethics in quail UMKM. The method used is a qualitative method with field studies. The results of the study show that the application seen from the principle of justice does not differentiate between other suppliers, the principle of honesty of quail egg scales according to weight and not reduced and added. The principle of freedom gives freedom to buy quail eggs. The principle of responsibility serves wholeheartedly and the principle of communication undergoes good and honest communication
Implementasi Pelayanan Travel Haji dan Umroh pada Ja-ma’ah di PT. HEMA Tour and Travel & PT. Noor Alia Bondowoso Umi Khoidatul Avifah; Romzatul Widad
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.v5i1.5733

Abstract

The Hajj and Umrah travel sector in Indonesia is experiencing very significant growth with the increasing interest of the Muslim community in Hajj and Umrah. However, this has very serious challenges, such as the emergence of unauthorized travel and declining service quality which has a direct impact on pilgrims' satisfaction and pilgrims' spiritual experience. This study aims to provide a comprehensive picture of the quality of customer service provided by PT Hema Tour and Travel & PT Noor Alia Bondowoso, as well as to provide practical recommendations for other industry players who want to improve their services and to create better service standards, which in turn will improve the experience of Hajj and Umrah for consumers in the future. This research uses qualitative descriptive analysis with a comparative approach. This research was conducted at PT HEMA Tour and Travel & PT Noor Alia Bondowoso. Data collection techniques were carried out using interviews, observation and documentation. The results of research on the implementation of Hajj and Umrah travel in consumer services at PT. Hema Tour and Travel & PT. Noor Alia Bondowoso show that the two companies have good service in various aspects both from the aspects of administration, price, transportation, accommodation, consumption, guidance and protection. This shows the commitment of both companies in providing the best experience for pilgrims. However, PT Noor Alia Bondowoso is superior in several aspects, such as a savings system that can facilitate pilgrims in planning Umrah without being burdened, a variety of package options, a variety of accommodation options and more intensive ritual guidance. With all the best services provided by the two companies, it has succeeded in increasing the positive image of the two companies in the community, especially in the Bondowoso area.
Implementasi Manajemen Risiko Pada Unit Usaha Bahan Bangunan Prespektif Ekonomi Syariah (Studi Pada Toko Bangunan Mandiri PP.Nurul Jadid) Anisatul Kamila; Romzatul Widad
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.v5i1.5925

Abstract

In the era of globalization, competition in the business world of a business unit, especially in the field of building materials business units, is getting tighter. Thus, with the progress of globalization, the need for housing is increasing. Therefore, to adapt to the development of globalization, building materials business units must prioritize fast service, comfort, and strategic locations as well as competitive prices. The building materials industry has special characteristics that are very vulnerable to various types of risks. Therefore, risk management is an important solution in anticipating and handling potential losses from these risks. This study aims to determine the application of risk management in building materials business units from a sharia economic perspective, especially at Toko Bangunan Mandiri Pondok Pesantren Nurul Jadid, identifying and analyzing risks and implementing mitigation strategies that are useful for increasing business stability without eliminating sharia principles. The method used in the study is a qualitative method using a case study approach, namely by direct interviews with shop owners. The results of the study indicate that the main risks faced by Toko Bangunan Mandiri are market risks such as very tight competition, changes in consumer demand, and economic conditions and consumer purchasing power as well as human resource risks. Thus, to reduce this risk, the building materials business unit conducts sales analysis and product analysis such as grouping Fast Moving and Slow Moving Goods, as well as analyzing the income/salary earned by employees and selecting qualified Human Resources.
STRATEGI CICIL EMAS DALAM MENINGKATKAN KECERDASAN FINANSIAL MASYARAKAT DAN JUMLAH NASABAH: (STUDI KASUS KCP BANK SYARIAH INDONESIA SITUBONDO BASUKI RAHMAT) Romzatul Widad; Anisa Marifah
JURNAL PROFIT Vol 7, No 2 (2023): Economic Building
Publisher : Nurul Jadid University

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.33650/profit.v7i2.7590

Abstract

This article aims to describe the BSI KCP Situbondo Basuki Rahmat gold installment strategy and the BSI KCP Situbondo Basuki Rahmat gold installment strategy in increasing people's financial intelligence and the number of customers. The research approach used is qualitative with a field study research type. Data collection applies interviews, observation and documentation. Data analysis uses the Miles and Huberman model. The results of this research are: 1) The BSI KCP Situbondo Basuki Rahmat gold installment strategy was carried out in two stages, planning and implementation. The planning stage is carried out by implementing segmentating, targeting and positioning (STP) strategies. The implementation stage is carried out by implementing the marketing mix; 2) Increasing the number of financial intelligence and number of customers is carried out with three education programs. First, awareness that the value of currency always decreases over time. Second, awareness that the value of property assets always decreases over time. Third, the importance of investing in gold is to save money from a decline in currency value and assets from a decline in value. 
Evaluasi Implementasi Prinsip Islamic Corporate Governance Pada BMT NU Wilayah Situbondo Bella Nur Maulida; Romzatul Widad
MUQADDIMAH: Jurnal Ekonomi, Manajemen, Akuntansi dan Bisnis Vol. 4 No. 3 (2026): Jurnal Ekonomi, Manajemen, Akuntansi dan Bisnis
Publisher : LP3M INSTITUT KH YAZID KARIMULLAH

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.59246/hz2hy130

Abstract

Islamic Corporate Governance (ICG) plays a crucial role in ensuring that Islamic microfinance institutions operate in accordance with Sharia principles while maintaining members’ trust and confidence. The implementation of ICG at BMT NU Situbondo Region was examined based on five core principles: transparency, accountability, responsibility, independence, and fairness. This study employed a descriptive qualitative approach, with data collected through in-depth interviews, observations, and documentation across six sub-branch offices (KCP), namely Mlandingan, Besuki, Bungatan, Suboh, Jatibanteng, and Mangaran. The findings indicate that ICG has generally been implemented effectively, as reflected in the application of standard operating procedures (SOPs), clear task allocation, regular reporting mechanisms, equitable profit-sharing practices, and social programs through the distribution of zakat, infaq, and sadaqah. Sharia values, including shiddiq (truthfulness), amanah (trustworthiness), fathanah (competence), and tabligh (transparency in communication), have also been embedded in operational activities, thereby strengthening members’ trust and loyalty. Nevertheless, several challenges remain, including limited public access to information, insufficient understanding of Sharia concepts among members, varying levels of human resource competence, unstable economic conditions of members, and difficulties in adapting to information technology. The novelty of this study lies in its comprehensive analysis of ICG implementation based on the five core principles across six BMT branches within a single operational region, an area that has received limited attention in previous studies. These findings contribute to the growing body of literature on the governance of Islamic microfinance institutions and provide practical recommendations for enhancing transparency, member education, and human resource development to achieve more effective and sustainable Sharia governance.
SMART FINANCIAL MANAGEMENT IN ISLAMIC BOARDING SCHOOLS: EVALUATING THE E-BEKAL APPLICATION FOR TRANSPARENT AND ACCOUNTABLE GOVERNANCE Abim Valerina; Romzatul Widad
JURNAL PROFIT Vol 10, No 1 (2026): Economic And Investment
Publisher : Nurul Jadid University

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.33650/profit.v10i1.15066

Abstract

This study examines the implementation of the E-Bekal application in the financial management system of Pondok Pesantren Nurul Jadid, with a focus on improving transparency, accountability, and efficiency in managing students’ funds. The study emerged from the need to modernize pesantren financial governance in response to administrative complexity and the growing demand for more transparent institutional management. Before the implementation of E-Bekal, financial transactions were handled manually through the Simpan Santri (SS) and Simpan Bekal Santri (SBS) systems. These conventional mechanisms often caused problems such as recording inaccuracies, delayed reporting, limited access to financial information, and weak internal control over cash flow and fund usage. This research uses a qualitative case study approach, with data collected through observation, in-depth interviews, and documentation. The findings show that E-Bekal has transformed financial management from a fragmented manual system into an integrated digital system. The application records transactions automatically and in real time, reducing the risk of human error, strengthening monitoring mechanisms, and preventing misuse of funds. It also enables parents to monitor their children’s financial activities directly, thereby increasing trust and participatory oversight. For pesantren administrators, E-Bekal facilitates the preparation of financial reports that are more accurate, systematic, and timely, while also improving administrative efficiency. In conclusion, the implementation of E-Bekal represents a significant step in the digital transformation of pesantren financial governance. The application not only enhances transparency and accountability but also increases operational efficiency. This study suggests that digital financial applications such as E-Bekal can serve as a strategic model for other Islamic boarding schools seeking to modernize their governance systems in the era of financial technology.
Implementasi ESG sebagai Instrumen Keberlanjutan Koperasi Konsumen dalam Perspektif Ekonomi Syariah Indah Nofita Sari; Romzatul Widad; Moh. Idil Ghufron
JURNAL MANAJEMEN DAN BISNIS EKONOMI Vol. 4 No. 3 (2026): Juli: JURNAL MANAJEMEN DAN BISNIS EKONOMI
Publisher : Institut Teknologi dan Bisnis (ITB) Semarang

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.54066/jmbe-itb.v4i3.4281

Abstract

This study examines the implementation of Environmental, Social, and Governance (ESG) principles as a sustainability instrument for consumer cooperatives from the perspective of Islamic economics. Consumer cooperatives, as people-based economic institutions, face significant challenges in maintaining sustainability amid rapid economic transformation and increasing demands for corporate accountability. ESG, as a global framework for measuring sustainability performance, is considered relevant to the values of Islamic economics which emphasize justice, transparency, social benefit, and environmental responsibility. This research uses a qualitative approach through literature study and document analysis to formulate a conceptual model of ESG implementation in consumer cooperatives based on Islamic economic principles. The findings show that ESG dimensions are in line with maqashid al-syariah, namely the protection of religion, life, intellect, lineage, and property. Environmental aspects correlate with the stewardship principle of khalifah fil ardh, while social aspects align with the concept of takaful ijtima’i, and governance reflects the values of amanah and shura. This study offers a conceptual framework for integrating ESG within the cooperative institutional governance system as a strategic step toward sustainable and equitable economic development.
Strategi Influencer TikTok untuk Peningkatan Omzet UMKM Berbasis Etika Bisnis Islam Izzatin Nabila; Romzatul Widad
TIN: Terapan Informatika Nusantara Vol 7 No 2 (2026): July 2026
Publisher : Forum Kerjasama Pendidikan Tinggi (FKPT)

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.47065/tin.v7i2.10330

Abstract

Information technology developments have driven social media adoption as a marketing tool for MSMEs. TikTok has proven effective in increasing sales, but its practices need to be examined from Islamic business ethics which prohibit gharar and tadlis and require honesty (shiddiq) and transparency (tabligh). Research integrating TikTok Influencer marketing effectiveness with Islamic business ethics remains limited. This study aims to analyze the effect of TikTok Influencer promotions on MSME Risoles Endul Kraksaan's revenue and review it based on Islamic business ethics. A mixed methods explanatory sequential design was used with 20 respondents (Spearman correlation) and in-depth interviews. Results showed a correlation coefficient of 0.676 (p=0.001), indicating a significant positive relationship between TikTok Influencer promotions and increased revenue. Daily revenue increased from IDR 1-1.7 million to IDR 2.5-3.5 million, equivalent to a monthly increase from IDR 30-51 million to IDR 75-105 million. Promotional practices have fulfilled the principles of shiddiq, tabligh, and are free from gharar and tadlis. The contribution of this research is an integrative model of Influencer marketing effectiveness with Islamic business ethics and an applicable framework for Muslim MSMEs in effective and sharia-compliant digital marketing strategies. This study is limited to one MSME and one platform. TikTok Influencer promotions significantly affect MSME revenue and align with Islamic business ethics.
Protection Consumer In Pre-Order Based Transactions Salam Contract : The Role of Sharia Fintech and Mechanisms Romzatul Widad; Hanin Fara Atiqoh
Jurnal Ilmu Pendidikan dan Sains Islam Interdisipliner Vol. 5 No. 3 Agustus 2026: Jurnal Ilmu Pendidikan dan Sains Islam Interdisipliner
Publisher : Yayasan Azhar Amanaa Yogyakarta

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.59944/jipsi.v5i3.977

Abstract

The development of digital technology encourages changes in economic transaction practices, including the use of pre-order systems for UMKM. However, from the perspective of sharia economics, this practice still faces problems such as delays in delivery, mismatches of goods, and lack of transparency that have the potential to cause elements of gharar. Akad salam is a relevant concept in this transaction, while sharia fintech with an escrow mechanism can act as a consumer protection solution. This study aims to analyze the suitability of pre-order practices in Ayubi Hijab Kraksaan UMKM with the salam contract and examine the role of sharia fintech and escrow mechanisms. The method used is a qualitative approach with a case study design through interviews, observations, and documentation. The results of the study show that the practice of pre-ordering has fulfilled some of the principles of the salam contract, especially in advance payment and clarity of goods specifications, although there are still obstacles to the timeliness and suitability of products. The implementation of the escrow mechanism has been proven to increase transaction security, consumer confidence, and minimize the risk of default. Therefore, the integration of salam contracts, sharia fintech, and escrow is an innovative model that supports digital transactions that are transparent, fair, and in accordance with sharia principles.
PKM SOSIALISASI KEUANGAN DIGITAL DALAM MENGHADAPI TANTANGAN GLOBAL UNTUK SISWI MA NURUL JADID Romzatul Widad; Kholifatus Sa’diyah; Nurul Kamaliah
Aafiyah: Jurnal Multidisiplin Ilmu Aafiyah: Jurnal Multidisiplin Ilmu
Publisher : CV Edujavare Publishing

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.70610/ja.v3i1.611

Abstract

Penelitian ini bertujuan untuk mengetahui bagaimana tingkat pemahaman siswi MA Nurul Jadid Paiton Probolinggo terhadap konsep keuangan digital dan mengevaluasi efektivitas program literasi keuangan digital yang sedang berjalan. Generasi muda dan generasi milenial sebagai bagian dari generasi yang tumbuh dalam era digital, memiliki akses yang luas terhadap layanan keuangan digital seperti e-wallet, perbankan online, dan aplikasi investasi. Metode penelitian yang dilakukan dalam penelitian ini adalah penelitian dengan metode pendekatan kualitatif dengan jenis studi kasus dengan melibatkan kegiatan pengabdian masyarakat berupa sosialisasi, simulasi, dan evaluasi yang melibatkan 20 siswi MA Nurul Jadid Paiton Probolinggo. Kegiatan ini dirancang untuk memberikan pemahaman mengenai keuangan digital, praktik penggunaan teknologi keuangan, serta evaluasi pemahaman sebelum dan sesudah sosialisasi. Hasil Berdasarkan hasil evaluasi, sekitar 85% siswi melaporkan pemahaman yang lebih baik mengenai konsep dasar keuangan digital, termasuk apa itu dompet digital, aplikasi fintech, dan berbagai jenis layanan perbankan digital. Siswi yang awalnya hanya memahami sedikit atau tidak paham sama sekali mengenai keuangan digital kini memiliki pemahaman yang lebih mendalam.
Co-Authors Abim Valerina Achmad Febrianto Akhiriyah, Syahriatul Anisa Marifah Anisatul Kamila Bella Nur Maulida Dewi Citra Ayu Lestari Dzurrotul Faizah Faizah, Dzurrotul Fatimah tul Horayyah Jannah Firoh, Risdatul Ghufron, Moh Idil Gufron, Moh Idil Hanin Fara Atiqoh Inayah, Fivia Saddha Indah Nofita Sari Indah Nofita Sari Izzatin Nabila Izzatin Nabila Khoiril Anam Kholifatus Sa’diyah Maharani, Resty Dwi Maulida Ghina Faizah Nuri Alfiani, Febi Nurul Kamaliah Pramesti, Nabila Intan Risdatul Firoh Riza Nur Aini Saro, Fitrotin Indah SITI MARYAM SRI RAHAYU Sri Rahayu Umi Khoidatul Avifah Usmiatul Hasanah Wasilatul Maufiroh Wati, Winda Winda Wati Zulfiyan Aldiansyah