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All Journal Jurnal Darussalam: Jurnal Pendidikan, Komunikasi dan Pemikiran Hukum Islam Istinbath: Jurnal Hukum dan Ekonomi Islam Journal of Humanities and Social Studies Proceedings of Annual Conference for Muslim Scholars ICO EDUSHA Jurnal Perbankan Syariah Darussalam (JPSDa) Jurnal Ekonomi Syariah International Journal of Multidisciplinary Research of Higher Education (IJMURHICA)
Mira Ustanti
Institut Agama Islam Darussalam Blokagung Banyuwangi
Religion Arts Humanities Economics, Econometrics & Finance Education Engineering Languange, Linguistic, Communication & Media Law, Crime, Criminology & Criminal Justice Social Sciences Other

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Implementing Mudharabah and Musharakah Contracts in the Eid Savings Scheme at BMT Al-Yaman Banyuwangi Elfa Miftahul Jannah; Mira Ustanti
ICO EDUSHA Vol. 6 No. 1 (2025): Proceedings of International Conference On Islam Educationm Management and Shar
Publisher : STAI AN-NAJAH INDONESIA MANDIRI

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Abstract

This study aims to analyze the implementation mechanism and sharia compliance of the mudharabah musyarakah contract in the Simpanan Hari Raya (Holiday Savings) product at BMT Al-Yaman Banyuwangi. Using a descriptive qualitative approach, data were collected through interviews, observation, and document analysis. The results indicate that the product employs a combined mudharabah musyarakah scheme, with members as capital owners (shahibul maal) and the BMT as both manager (mudharib) and capital participant. The implementation mechanism encompasses member registration, contract explanation, profit-sharing ratio determination, routine deposits, and fund management within a halal, low-risk financing portfolio. Profit distribution occurs before religious holidays in cash or in-kind. The contract application adheres to sharia principles, including transparency, clear profit-sharing, no upfront fixed profit guarantee, and the use of funds for halal activities. The study concludes that while sharia principles are met, enhancing member education and strengthening risk management are crucial for the contract's sustainability. These findings support prior research on the effectiveness of mudharabah musyarakah in Islamic microfinance savings products. Keywords : mudharabah musyarakah, holiday savings, BMT, profit sharing.  
Digital Amanah: Enhancing Member Service Quality in BMT through UGT MOBILE Application Dea Yasmita Ananda Sari; Khoirini Siva’a Qolbina; Ustanti, Mira
ICO EDUSHA Vol. 6 No. 1 (2025): Proceedings of International Conference On Islam Educationm Management and Shar
Publisher : STAI AN-NAJAH INDONESIA MANDIRI

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This research investigates how service digitalization through the UGT Mobile platform contributes to enhancing the quality of member services in BMT UGT Nusantara, Purwoharjo Branch, within the framework of Islamic microfinance. The study further examines the key barriers encountered during implementation and proposes strategic, sharia-compliant solutions to address them. Using a qualitative case study approach, data were collected via in-depth interviews with the Branch Manager, digital service officers, an Islamic marketing specialist, and active users. Findings reveal that UGT Mobile has substantially improved service quality in four core aspects of digital performance: efficiency reflected in reduced waiting times; reliability evident in system consistency and real-time notifications; system availability through 24-hour accessibility; and privacy ensured via multi-layered data protection.This enhancement aligns with sharia principles (amanah, ihsan, hifz al-mal). Key constraints were low digital literacy among some members (especially the elderly) and limited internet infrastructure. Effective solutions included "outreach" educational approaches, personal assistance, and a hybrid service model. Ultimately, the study concludes that the success of digital transformation in Islamic microfinance institutions relies not only on the technological robustness of applications but equally on educational and value-based engagement strategies that reinforce Islamic ethical frameworks Keywords: Service Digitalization, UGT Mobile, Service Quality, BMT, Digital Literacy, Islamic Finance, Case Study.
Economic Dimensions of Mepe Kasur Biati, Lilit; Mamlukhah, Mamlukhah; Munawir, Munawir; Ustanti, Mira
Proceedings of Annual Conference for Muslim Scholars Vol 9 No 1 (2025): AnCoMS, Oktober 2025
Publisher : Koordinatorat Perguruan Tinggi Keagamaan Islam Swasta Wilayah IV Surabaya

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.36835/ancoms.v9i1.741

Abstract

The Mepe Kasur tradition of the Osing community in Kemiren Village, Banyuwangi, is more than a cultural ritual before Eid al-Adha; it embodies values of tolerance, harmony, and economic empowerment. The symbolic red-black (abang-cemeng) mattresses reflect protection from misfortune and household unity, while the collective practice of airing mattresses and the Tumpeng Sewu ritual strengthen social cohesion across generations. Beyond its spiritual meaning, Mepe Kasur has become a cultural attraction that contributes to the local economy through tourism, homestays, culinary experiences, and creative industries. This study employs a qualitative descriptive method with participatory observation, in-depth interviews, and literature review. The findings reveal that the Mepe Kasur tradition serves two main functions: first, as a means of cultural preservation that safeguards the identity and spiritual values of the Osing community; and second, as an effective social instrument for strengthening interfaith tolerance and promoting community-based economic growth. This tradition fosters social interaction across religions and generations while creating economic opportunities through tourism activities and local cultural products. Thus, Mepe Kasur not only sustains social harmony but also acts as a driving force for a sustainable culture-based economy within the Osing community.
Co-Authors Aini, Aula Izzatul Azzahra, Amelia Biati, Lilit Dea Yasmita Ananda Sari Elfa Miftahul Jannah Fitriatussoleha, Nuril Irma Nur Zihanti Khoirini Siva’a Qolbina Mamlukhah Moh. Qowim Munawir Munawir Nawal Ika Susanti, Nawal Ika Nurul Inayah Rahma, Angelina Laela Reva Dwi Melania siti fadilah Wiwit Mustafidah, Wiwit Wulan Alif Qurani Yahya, Ubaidillah