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All Journal Jurnal Ekonomi Syariah Teori dan Terapan Proceedings of Annual Conference for Muslim Scholars Dinasti International Journal of Economics, Finance & Accounting (DIJEFA) Jurnal Perbankan Syariah Darussalam (JPSDa) Al-Muraqabah: Journal of Management and Sharia Business Jurnal Ekonomi Syariah Islamic Micro Finance Journal
Wiwit Mustafidah, Wiwit
Institut Agama Islam Darussalam Blokagung Banyuwangi
Religion Humanities Economics, Econometrics & Finance Social Sciences Other

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Membina Harmoni Global Melalui Filantropi Berbasis Komunitas Mustafidah, Wiwit; Ekaningsih, Lely Ana Ferawati; Aini, Aula Izatul; Azhar, Indana Almas
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.v9i1.743

Abstract

Amidst global challenges, local wisdom offers authentic solutions for fostering harmony. This study aims to analyze the impact of the Omplong LAZISNU Program on the formation and strengthening of attitudes of love and tolerance within the community. Qualitative methods were used to collect data through interviews, observation, and documentation. Data analysis utilized an interactive model. The results indicate that the participatory and inclusive nature of the Omplong program can strengthen social bonds (ukhuwah) and foster empathy. Direct involvement in the giving process fosters a sense of ownership and humanity. In terms of tolerance, this program has proven effective in reducing prejudice because aid distribution implements the principle of rahmatan lil 'alamin. The conclusion is that community-based philanthropy is not merely an economic instrument for poverty alleviation but also a powerful social capital for fostering harmony. This model represents local wisdom that contributes to building the foundation of love and tolerant.
Peran Pembiayaan Mikro Syariah Bank BSI KCP Genteng Dalam Mendorong Pertumbuhan Ekonomi UMKM Mustafidah, Wiwit; Tarhami, Alfin Farhan; Wafa, Ahmad Nur Izza
JPSDa: Jurnal Perbankan Syariah Darussalam Vol. 6 No. 1 (2026): Januari 2026
Publisher : Institut Agama Islam Darussalam Blokagung Banyuwangi

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.30739/jpsda.v6i1.4793

Abstract

This research examines how effective micro-financing is at BSI KCP Genteng in promoting the growth of MSMEs in suburban regions. What makes this study unique is its focus on the important role that Islamic banking plays after mergers in reducing local capital obstacles. Utilizing a descriptive qualitative approach, data were collected through comprehensive interviews with branch management, marketing personnel, and MSME clients. Findings show that micro-financing plays a crucial role in enhancing working capital, increasing production capabilities, and broadening market opportunities. The discussion emphasizes that the role of this financial support goes beyond just providing funds; it acts as a strategic tool for fostering equitable economic well-being. This study suggests that Islamic financial institutions should adopt digital services and ongoing mentorship to reinforce MSMEs as the cornerstone of the local economy
ANALISIS PERBANDINGAN KINERJA KEUANGAN PERUSAHAAN PEMBIAYAAN SYARIAH DAN KONVENSIONAL TAHUN 2017-2021 Nur Piyatd Fitri Kaisupy; Wiwit Mustafidah; Vina Septiana Permatasari
Jurnal Ekonomi Syariah Darussalam Vol. 3 No. 2 (2022): Agustus 2022
Publisher : Universitas KH. Mukhtar Syafaat

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.30739/jesdar.v3i2.1647

Abstract

Tujuan penelitian ini untuk menganalisis perbandingan kinerja keuangan perusahaan pembiayaan syariah dan konvensional tahun 2017-2021: 1) dengan menggunakan rasio Financing Aset to Ratio (FAR). 2) menggunakan rasio Gearing Ratio (GR). 3) menggunakan rasio Modal Sendiri-Modal Disetor (MSMD). Jenis penelitian ini menggunakan penelitian kuantitatif komparatif. Teknik pengambilan sampel pada penelitian ini yaitu teknik sensus sampling. Sampel pada penelitian ini berupa laporan keuangan bulanan mulai bulan Januari tahun 2017 sampai dengan bulan Desember 2021. Uji Normalitas data menggunakan Kolmogorov Smirnov. Teknik analisis data menggunakkan uji Man-Whitney U test karena data yang digunakan tidak berdistribusi normal. Hasil analisis data penelitian ini menggunakan uji Man-Whitney U-test menunjukkan: 1) nilai signifikasi FAR perusahaan pembiayaan syariah dan konvensional kurang dari 0,05 yang berarti terdapat perbedaan. 2) nilai signifikasi GR perusahaan pembiayaan syariah dan konvensional kurang dari 0,05 yang berarti terdapat perbedaan. 3) nilai signifikasi MSMD perusahaan pembiayaan syariah dan konvensional kurang dari 0,05 yang berarti terdapat perbedaan. Kesimpulan dari analisis perbandingan kinerja keuangan perusahaan pembiayaan syariah dan konvensional yaitu: 1) perusahaan pembiayaan syariah lebih baik dari perusahaan pembiayaan konvensional ditinjau dari rasio FAR dalam penyaluran dana untuk pembiayaan kepada nasabah. 2) perusahaan pembiayaan syariah lebih baik dari perusahaan pembiayaan konvensional ditinjau dari rasio GR dalam memenuhi kewajibannya dengan menggunakan jaminan aktiva dan modal yang dimiliki. 3) perusahaan pembiayaan syariah lebih baik dari perusahaan pembiayaan konvensional ditinjau dari rasio MSMD dalam jumlah ekuitas yang dimiliki untuk penyaluran dana pembiayaan.
Revitalization of Musyarakah Financing in BMT (Baitul Maal wat Tamwil) Bayu Pratama, Muhamad Fajar; Mustafidah, Wiwit
Dinasti International Journal of Economics, Finance & Accounting Vol. 7 No. 2 (2026): Dinasti International Journal of Economics, Finance & Accounting (May-June 2026
Publisher : Dinasti Publisher

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.38035/dijefa.v7i2.6844

Abstract

Musyarakah financing at Baitul Mal wat Tamwil (BMT) still faces a gap between product availability and effective implementation. This study aims to analyze the management of musyarakah financing and formulate its revitalization strategy at BMT UGT Capem Genteng, Banyuwangi. The study employs a qualitative approach with a single case study design. Data were collected through in-depth interviews with three key informants (branch head, head of financing department, and SME member) and direct observation. Data analysis used the interactive model of Miles, Huberman, and Saldaña. Findings indicate that musyarakah is in a state of administrative availability without effective realization. The main barriers are structurally twofold: from the members’ side (preference for fixed installments and mixed productive-consumptive use of funds) and from the institutional side (absence of business bookkeeping, moral hazard, technological limitations, and weak human resource competency). This study formulates the Four Pillar Revitalization Model (MR4P) encompassing education and hybrid musyarakah product innovation, strengthening of governance and risk management, digital technology optimization, and HR capacity building based on maqashid syariah values.
Co-Authors Abdul Khakim Ahmad Nanang Fauzi Aini, Aula Izatul Aini, Aula Izzatul Bayu Pratama, Muhamad Fajar Dimas Arisandi ENDANG NURHAYATI Indana Almas Azhar Lely Ana Ferawati Ekaningsih Mira Ustanti Naning Fatmawatie, Naning Noven Suprayogi, Noven Nur Piyatd Fitri Kaisupy Tarhami, Alfin Farhan Vina Septiana Permatasari Wafa, Ahmad Nur Izza Zuhida, Nuvia Firqon