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All Journal Jurnal Ekonomi Syariah Teori dan Terapan Proceedings of Annual Conference for Muslim Scholars ICO EDUSHA Jurnal Perbankan Syariah Darussalam (JPSDa) Electronic Journal of Education, Social Economics and Technology Al-Muraqabah: Journal of Management and Sharia Business Jurnal Ekonomi Syariah Islamic Micro Finance Journal Cendekia: Jurnal Pengabdian Masyarakat
Wiwit Mustafidah, Wiwit
Institut Agama Islam Darussalam Blokagung Banyuwangi
Religion Arts Humanities Computer Science & IT Decision Sciences, Operations Research & Management Economics, Econometrics & Finance Education Electrical & Electronics Engineering Engineering Environmental Science Health Professions Languange, Linguistic, Communication & Media Law, Crime, Criminology & Criminal Justice Library & Information Science Mathematics Nursing Public Health Social Sciences Veterinary Other

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Meningkatkan Literasi Keuangan Syari’ah Melalui Edukasi Rutinan Jama’ah Ibu-Ibu Pengajian Mustafidah, Wiwit; Ustanti, Mira; Aini, Aula Izzatul
Proceedings of Annual Conference for Muslim Scholars Vol 8 No 1 (2024): AnCoMS, Oktober 2024
Publisher : Koordinatorat Perguruan Tinggi Keagamaan Islam Swasta Wilayah IV Surabaya

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.36835/ancoms.v8i1.636

Abstract

The women of the recitation group are the spearhead in managing household finances. Whether household finances are good or bad depends on how a mother manages them. The object of this research is the mothers of the congregation at the Al Falah Sumberagung recitation group. The aim of this research is to increase understanding of sharia financial literacy so that it can increase sharia financial inclusion. The method in this research uses quantitative methods with data collection techniques by distributing questionnaires to 54 respondents. The results show that before the education was carried out, the sharia financial literacy level of the recitation mothers was 40%, whereas after the education was carried out the sharia financial literacy level increased to 65%. This shows the importance of education/socialization to the community as a whole to increase sharia financial literacy.
Cross-Selling Sharia Gold Savings: A Hedging Strategy for Hajj Financial Risk Mitigation Mawarda, Iska Nur Mawarda; Ekaningsih , Lely Ana Ferawati; Mustafidah, Wiwit
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 research analyzes the cross-selling strategy of gold savings to strengthen the financing guarantee for Hajj Pilgrimage Organizing Fees (BPIH) for customers at Bank Syariah Indonesia KCP Banyuwangi Rogojampi. Utilizing a qualitative Case Study approach involving interviews, observation, document analysis, and SWOT analysis, the findings reveal that the main strengths lie in the bank's reputation, the transparency of the murabahah contract, and support from the BYOND digital platform. Weaknesses include limitations in employee training/human resources and the absence of standardized educational SOPs. Opportunities arise from payroll customer segments and digitalization trends, while threats encompass market competition and gold price volatility. The analysis results in the formulation of SO (digital enhancement and collaboration), WO (training and SOP development), ST (reputation-based education), and WT (sharia financial literacy campaign) strategies. It is concluded that the cross-selling strategy for gold savings is effective as a hedging instrument against BPIH increases, with recommendations to strengthen education, human resources, and service digitalization.
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.
Internalization of Sharia Economic Values ​​in the Tiba'iyah Kubro Tradition: Education for Sakinah Family Financial Management Mustafidah, Wiwit; Munawir
CENDEKIA: Jurnal Pengabdian Masyarakat Vol. 2 No. 1 (2025): Desember 2025
Publisher : Simfoni Ilmu Cindekia

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.65430/jpm.v2i1.32

Abstract

The phenomenon of illegal online loans and moneylenders in rural areas poses a real threat to family economic resilience. This community service program aimed to improve Islamic financial literacy and family financial management skills (family sakinah) among women congregants in Karangdoro Village, Tegalsari, Banyuwangi. The method employed was Asset-Based Community Development (ABCD), by internalizing Islamic economic values into the local tradition of Tiba’iyah Kubro. The activity was conducted on September 14, 2025, involving 350 participants from 12 study groups. The results demonstrated a significant increase in participants’ cognitive understanding, with the average score of Islamic financial literacy rising from 38% to 64%. The program recommends the digitalization of financial recording instruments and the establishment of a Sharia cooperative to ensure the sustainability of congregants’ economic independence. Sociologically, this initiative successfully strengthened the function of the Majelis Tiba’iyah Kubro from merely a ritual forum into a platform for collective economic empowerment through the initiation of a social fund (Qardhul Hasan).
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
Co-Authors Abdul Khakim Ahmad Nanang Fauzi Aini, Aula Izzatul Aula Izatul Aini Dimas Arisandi Ekaningsih , Lely Ana Ferawati ENDANG NURHAYATI Indana Almas Azhar Lely Ana Ferawati Ekaningsih Maulidia, Zuni Mawarda, Iska Nur Mawarda Mira Ustanti Munawir Naning Fatmawatie, Naning Noven Suprayogi, Noven Permatasari, Vina Septiana Tarhami, Alfin Farhan Wafa, Ahmad Nur Izza Zuhida, Nuvia Firqon