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All Journal HUMAN FALAH: Jurnal Ekonomi dan Bisnis Islam International Journal of Economics Development Research (IJEDR) ISTIKHLAF: Jurnal Ekonomi, Perbankan & Manajemen Syariah Jurnal Ekonomi, Manajemen, Bisnis dan Akuntansi (JEMBA) Jurnal Ekonomika Manajemen Dan Bisnis (JIMBE) Gudang Jurnal Multidisiplin Ilmu INASJIF Al-Zayn: Jurnal Ilmu Sosial & Hukum Al-Kharaj: Jurnal Ekonomi, Keuangan & Bisnis Syariah The Eastasouth Journal of Social Science and Humanities Jurnal Imiah Pengabdian Pada Masyarakat (JIPM) Bumi: Jurnal Hasil Kegiatan Sosialisasi Pengabdian Kepada Masyarakat Menulis: Jurnal Penelitian Nusantara Ekoman: Jurnal Ekonomi, Bisnis Dan Manajemen LAN TABUR: JURNAL EKONOMI SYARIAH Journal of Social Science and Humanities
M.F. Hidayatullah
Universitas Islam Negeri Kiai Haji Achmad Siddiq Jember
Religion Aerospace Engineering Agriculture, Biological Sciences & Forestry Arts Humanities Astronomy Biochemistry, Genetics & Molecular Biology Chemistry Civil Engineering, Building, Construction & Architecture Computer Science & IT Control & Systems Engineering Decision Sciences, Operations Research & Management Earth & Planetary Sciences Economics, Econometrics & Finance Education Energy Environmental Science Immunology & microbiology Industrial & Manufacturing Engineering Languange, Linguistic, Communication & Media Law, Crime, Criminology & Criminal Justice Library & Information Science Materials Science & Nanotechnology Mathematics Neuroscience Physics Public Health Social Sciences Other

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PANDANGAN TOKOH MUHAMMADIYAH JEMBER PADA BANK SYARIAH M.F. Hidayatullah; Aprilya Fitriani
Lan Tabur: JURNAL EKONOMI SYARIAH Vol. 4 No. 2 (2023): Maret
Publisher : LAN TABUR: Jurnal Ekonomi Syariah The Islamic University of KH. Achmad Muzakki Syah Jember, East Java. Jember Jln. Manggar Gebang Poreng 139A Patrang Jember Jawa Timur

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.53515/lantabur.2023.4.2.177-190

Abstract

Bank syariah sudah beroperasi di Indonesia lebih dari dua decade, dengan ciri utama menjalankan transaksi yang halal dan sesuai dengan syariah. Meski demikian pangsa pasar (market share) perbankan syari’ah pada tahun 2019 ini baru mencapai 5,94% terhadap perbankan nasional. Salah satu permasalahan penting yang dihadapi perbankan syariah yaitu, persepsi masyarakat yang meragukan kesyariahan bank syariah. Padahal pada sisi kesyariahan inilah salah satu ciri khas dan keunggulan bank syariah. Organisasi Muhammadiah memiliki respon yang lebih awal terhadap keberadaan perbankan syariah. Merespon kondisi lambannya perkembangan perbankan syariah saat ini, maka mengetahui pandangan kalangan tokoh Muhammadiah di Jember terhadap perbankan syariah menjadi penting. Hasil penelitian kualitatif ini menyebutkan bahwa Tokoh Muhammadiyah Jember percaya bahwa bank syariah telah menjalankan syariah dengan menjalankan fatwa DSN MUI, meski belum sepenuhnya dan masih perlu melakukan beberapa penyempurnaan agar lebih dipercaya masyarakat.
Analisis Akuntansi Terhadap Sistem Dan Prosedur Perjalanan Dinas Berdasarkan PMK No 113 Pada Badan Pengawas Pemilu (BAWASLU) Jember Lutfah Rozzalina; Firdausul Makrifah; Siti Nur Aeni; M.F. Hidayatullah
Gudang Jurnal Multidisiplin Ilmu Vol. 2 No. 3 (2024): GJMI - MARET
Publisher : PT. Gudang Pustaka Cendekia

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.59435/gjmi.v2i3.375

Abstract

Penelitian ini bertujuan untuk menganalisis sistem dan prosedur perjalanan dinas berdasarkan peraturan menteri keuangan(PMK) no. 113/PMK.05/2012 di badan pengawas pemilihan umum(Bawaslu) jember. Penelitian ini dilakukan untuk memahami sejauh mana kepatuhan bawaslu jember terhadap ketentuan PMK 113 dalam pengelolaan perjalanan dinas,serta untuk mengidentifikas potensi perbaikan dalam system dan prosedur yang ada. Metode penelitian yang digunakan meliputi studi dokumentasi,observasi langsung dan wawancara dengan pihak terkait di bawaslu jember. Hasil penelitian menunjukkan bahwa meskipun bawaslu telah menerapkan sebagian besar ketentuan PMK 113, masih terdapat beberapa area diamana kepatuhan dapat di tingkatkan,terutama dalam hal pemantauan dan evaluasi pengeluaran perjalanan dinas. Implikasi dari temuan ini adalah perlunya perbaikan atau penyesuaian dalam system dan prosedur perjalanan dinas bawaslu jember untuk memastikan kepatuhan terhadap regulasi yang berlaku dan pengelolaan anggaran yang efisien.
Manajemen Risiko Bisnis BMT di Tengah Pandemi COVID-19 Ahmadiono; M.F. Hidayatullah
Al-Kharaj: Jurnal Ekonomi, Keuangan & Bisnis Syariah Vol. 6 No. 11 (2024): Al-Kharaj: Jurnal Ekonomi, Keuangan & Bisnis Syariah
Publisher : Intitut Agama Islam Nasional Laa Roiba Bogor

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.47467/alkharaj.v6i11.4195

Abstract

The economic contraction in the MSME (Micro Small and Medium Enterprises) sector during the Covid pandemic directly impacted financial business performance. On a micro scale, BMT (Baitul Maal wat Tamwil) as a sharia microfinance institution is affected by the weakening of economic activity in the MSME sector. This is understandable because in its activities, BMT makes MSMEs its business partners. From a business aspect, the impact experienced by BMT is the emergence of various risks; increasing problematic financing, liquidity and operational risks. The results of this qualitative research show that; Firstly, business risks that arise at BMT NU Jawa timur Balung Branch and BMT UGT Nusantara Rambipuji Jember include financing risk, operational risk and liquidity risk. Financing risk is characterized by a high number of problematic financing. Meanwhile, operational risks are characterized by restrictions on access to the office, physical distancing, and increased operational costs. Meanwhile, liquidity risk is characterized by an abundance of funds in cash. Second, risk management at BMT NU Jatim Balung Branch and BMT UGT Nusantara Rambipuji Jember is carried out sequentially starting from risk identification, measurement, analysis and control activities. Based on this process, tactical steps are then developed to handle each aspect of risk. Financing risks include financing moratorium steps, intensive collection, restructuring and creating reserves for losses. Operational risks are approached by the issuance of new rules regarding office operating systems and rules related to the implementation of Health procedures.
Implementasi Etika Bisnis Islam Dalam Pelayanan Costumer Care Grapari Jember: Studi Kasus Penanganan Keluhan Pelanggan Indihome Eka Putri Lestari; M.F Hidayatullah
ISTIKHLAF: Jurnal Ekonomi, Perbankan dan Manajemen Syariah Vol. 8 No. 1 (2026): (Maret 2026)
Publisher : Institut Agama Islam Yasni Bungo Jambi, Indonesia

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.51311/istikhlaf.v8i1.1465

Abstract

Abstrak Penelitian ini bertujuan untuk menganalisis mekanisme dan implementasi pelayanan Customer Care dalam menangani kasus keluhan pelanggan. Fokus tujuan utama penelitian yakni mengidentifikasi mekanisme serta implementasi Customer Careberdasarkan prinsip etika bisnis Islam. Penelitian ini menggunakan pendekatan deskriptif-kualitatif. Subjek penelitian yakni Customer Care sebagai narasumber utama. Instrumen penelitian yakni peneliti sendiri untuk menganalisis data penelitian meliputi observasi, wawancara, dan dokumentasi dari pengumpulan data tersebut. Data yang dikumpulkan serta dianalisis menggunakan reduksi data, penyajian data, kemudian penarikan kesimpulan. Hasil penelitian menunjukkan bahwa alur mekanisme berjalan secara sistematis dan akurat sesuai dengan SOP yang berlaku. Sedangkan peninjauan etika bisnis Islam pada implementasi Customer Care menunjukkan juga telah menerapkan beberapa prinsip etika bisnis Islam dalam menangani berbagai keluhan pelanggan.
Women’s Productivity through Digital Transformation in Local Food Businesses in Fulfilling the Aspects of Maqashid Sharia in Bangsalsari Village, Jember Regency Wilda Hayatun Nufus; Mahmudah Mahmudah; M.F. Hidayatullah
The Eastasouth Journal of Social Science and Humanities Vol. 3 No. 03 (2026): The Eastasouth Journal of Social Science and Humanities (ESSSH)
Publisher : Eastasouth Institute

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.58812/esssh.v3i03.1038

Abstract

This study aims to analyze the productivity of women in local food businesses after the implementation of digital transformation and its relevance to the fulfillment of maqashid sharia aspects in Bangsalsari Village, Jember Regency. The study uses a qualitative descriptive approach with data collection techniques through interviews, observation, and documentation. The findings indicate that digital transformation through social media, e-commerce, and digital payment systems has significantly increased women’s productivity in terms of product quality, production quantity, marketing effectiveness, and time efficiency. In addition, digital transformation contributes to improving family welfare, expanding market access, and strengthening women’s economic independence. From the maqashid sharia perspective, these improvements reflect the fulfillment of hifz al-mal, hifz al-nafs, hifz al-‘aql, hifz al-nasl, and hifz al-din. The study concludes that digital transformation not only enhances economic productivity but also supports sustainable welfare based on Islamic values.
Sustainable Islamic Development: An Empirically Derived Maqasid-Based Economic Governance Model in Pesantren Ahmad Saef Alfath; Fauzan; M.F. Hidayatullah
Journal of Social Science and Humanities Vol. 2 No. 1 (2026): October
Publisher : CV. Tripe Konsultan

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

Abstract

The transformation of Islamic boarding schools (pesantren) into socio-economic institutions has increased their strategic role in promoting sustainable community development. However, previous studies have primarily emphasized economic outcomes while providing limited understanding of how economic governance is constructed through Islamic values. This study aims to analyze economic governance practices in pesantren, examine the internalization of Maqasid al-Shariah in institutional decision-making, and develop an empirically derived Maqasid-Based Economic Governance Model toward Sustainable Islamic Development. A qualitative multiple-case study design was employed involving two Indonesian pesantren with established economic institutions. Data were collected through in-depth interviews, participant observation, and institutional documentation and analyzed using the interactive model of Miles, Huberman, and Saldaña combined with grounded theory coding procedures consisting of open, axial, and selective coding. The findings indicate that economic governance in pesantren is characterized by collective leadership, transparency, accountability, participation, effective business management, benefit distribution, and value-based decision-making. These governance practices are transformed through the internalization of the five dimensions of Maqasid al-Shariah Hifdz al-Din, Hifdz al-Nafs, Hifdz al-Aql, Hifdz al-Nasl, and Hifdz al-Mal which function as an operational governance mechanism rather than merely a welfare evaluation framework. The study proposes an empirically derived institutional model demonstrating that governance practices strengthen a sustainable pesantren economy and ultimately contribute to Sustainable Islamic Development. The findings extend Islamic development economics by integrating economic governance, maqasid internalization, and sustainability into a unified institutional framework that provides both theoretical advancement and practical guidance for strengthening value-based governance within pesantren.
Strategi Diversifikasi Usaha Pesantren Dalam Menghadapi Disrupsi Ekonomi Digital: Transformasi Digital Pondok Pesantren Salafiyah Syafi'iyah Sukorejo Situbondo Ani Surifah; Fauzan Fauzan; M. F Hidayatullah
EKOMAN: Jurnal Ekonomi, Bisnis dan Manajemen Vol. 4 No. 1 (2026): EKOMAN: Jurnal Ekonomi, Bisnis dan Manajemen
Publisher : Penerbit dan Percetakan CV. Picmotiv

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.61930/ekoman.v4i1.476

Abstract

Perkembangan ekonomi digital telah mendorong berbagai lembaga, termasuk pesantren, untuk melakukan inovasi dalam pengelolaan unit usaha agar tetap mampu bersaing dan mempertahankan kemandirian ekonomi. Penelitian ini bertujuan untuk menganalisis strategi diversifikasi usaha Pondok Pesantren Salafiyah Syafi'iyah Sukorejo Situbondo dalam menghadapi disrupsi ekonomi digital melalui transformasi digital. Penelitian menggunakan metode kualitatif dengan pendekatan studi pustaka (library research) yang memanfaatkan berbagai buku, artikel ilmiah, dan hasil penelitian terdahulu sebagai sumber data. Analisis dilakukan secara deskriptif kualitatif untuk mengidentifikasi strategi yang relevan dalam mendukung pengembangan usaha pesantren. Hasil penelitian menunjukkan bahwa digitalisasi unit usaha, pengembangan marketplace halal, peningkatan kompetensi sumber daya manusia, penerapan konsep Smart Pesantren, serta penguatan manajemen risiko digital merupakan strategi yang dapat meningkatkan daya saing dan kemandirian ekonomi pesantren. Transformasi digital diharapkan mampu memperluas akses pasar, meningkatkan efisiensi pengelolaan usaha, serta memperkuat kontribusi pesantren dalam pemberdayaan ekonomi masyarakat tanpa mengabaikan nilai-nilai keislaman.
Strategi Meningkatkan Pelayanan, Integrasi Layanan Transaksi, Investasi, dan Perencanaan Ibadah Digital Tahun 2026 dengan Superapps BYOND BSI Silvia Maulida I’lana; Anisa Nanda Rosida; M.F Hidayatullah
Al-Zayn: Jurnal Ilmu Sosial, Hukum & Politik Vol 4 No 4 (2026): 2026
Publisher : Yayasan pendidikan dzurriyatul Quran

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.61104/alz.v4i4.6931

Abstract

Perkembangan teknologi digital mendorong perbankan syariah untuk terus berinovasi dalam meningkatkan kualitas pelayanan kepada nasabah. Bank Syariah Indonesia menghadirkan Superapps BYOND by BSI sebagai layanan digital yang mengintegrasikan transaksi, inestasi dan perencanaan ibadah dalam satu aplikasi. Penelitian ini bertujuan untuk menganalisis strategi peningkatan pelayanan melalui BYOND by BSI pada tahun 2026. Penelitian ini menggunakan metode kualitatif deskriptif dengan menggunakan pendekatan studi pustaka (library reserch). Data di peroleh dari jurnal, artikel, website resmi, dan berbagai sumber digital yang berkaitan dengan transformasi digital perbankan syariah. Adapun hasil penelitian menunjukkan bahwa BYOND by BSI mampu meningkatkan pelayanan nasabah melalui layanan digital yang cepat, praktis, dan efisien. Integrasi layanan transaksi memudahkan nasabah dalam melakukan transfer, pembayaran, dan Qris dalam satu aplikasi. Selain itu fitur investasi digital syariah seperti tabungan emas dan cicil emas membantu masyarakat melakukan investasi secara mudah. Pada aspek perancanaan digital, fitur tabungan haji, zakat, infak, sedekah, dan wakaf digital memberikan kemudahan bagi masyarakat dalam memenuhi kebutuhan spiritual secara modern. Namun masih terdapat kendala seperti rendahnya literasi digital dan gangguan teknis aplikasi.
Peran Kualitas Pelayanan Customer Service Dalam Meningkatkan Loyalitas Nasabah Bri Unit Kalisat Septiana Malihah; Refi Anggraini; M.F.Hidayatullah .
Jurnal Ekonomi Manajemen dan Bisnis (JEMB) Vol. 5 No. 1 (2026): Januari - Juni
Publisher : CV. ITTC INDONESIA

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.47233/jemb.v5i1.4637

Abstract

The rapid development of technology and intense competition in the banking sector require every financial institution to provide superior service to maintain business continuity. The quality of service provided by Customer Service, as the frontline, is a determining factor in building a positive image and public trust. This study aims to analyze the role of customer service quality at BRI Kalisat Unit based on the dimensions of reliability, responsiveness, assurance, empathy, and tangibles. It also identifies key indicators that determine customer satisfaction and loyalty during direct interactions with customer service. It also examines the challenges faced in providing responsive and quality service.  This study applies a qualitative method with a descriptive approach to accurately describe the phenomena in the field. Data were collected through in-depth interviews with research subjects consisting of customer service and customers, supplemented by literature studies as a secondary data source. The data analysis process includes data reduction, presentation, and drawing conclusions. The results show that service quality at BRI Kalisat Unit is in the good category and significantly strengthens customer loyalty. Key indicators that encourage customer loyalty include polite, communicative officers, and the ability to provide clear solutions. However, there are operational challenges such as low customer digital literacy and technical system disruptions that sometimes hamper service speed. In conclusion, despite facing technical obstacles and limited customer digital literacy, strengthening interpersonal skills and updating technology systems are strategic implications that must be implemented. Continuous improvement efforts will ensure customer loyalty and prevent future switching to competitors.
Digital Transformation and Customer Growth in Islamic Microfinance Rufita Laily Suryanti; M.F. Hidayatullah
International Journal of Economics Development Research (IJEDR) Vol. 7 No. 1 (2026): International Journal of Economics Development Research (IJEDR)
Publisher : Yayasan Riset dan Pengembangan Intelektual

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.37385/ijedr.v7i1.10954

Abstract

Digital transformation has become a key strategy for Islamic financial institutions to improve service efficiency, expand reach, and facilitate transaction access for customers. BMT UGT Nusantara Umbulsari Branch, as an Islamic microfinance institution, has also begun implementing digital services through the Mobile UGT application. Although the use of digital services has shown an increase year over year, the level of utilization by customers is still not optimal. This situation indicates a gap between the availability of technology and user adoption. This study aims to examine the digital transformation process at BMT UGT Nusantara Umbulsari Branch, to identify the factors supporting the success of digital transformation at BMT UGT Nusantara Umbulsari Branch, and to assess the impact of digital transformation on increasing the number of customers at BMT UGT Nusantara Umbulsari Branch. The research approach employed is a qualitative approach. The research results indicate that the digital transformation process at BMT UGT Nusantara Umbulsari Branch was carried out in stages through digital strategy planning, the development of technological infrastructure and the Mobile UGT application, outreach to customers, as well as the implementation and optimization of digital services. The success of this digital transformation was supported by several key factors, namely management commitment, technological infrastructure readiness, human resource competence, and outreach and education strategies for customers. Furthermore, digital transformation has had a positive impact on customer growth, as evidenced by an increase in the number of customers, expansion of user segments, higher transaction frequency, and increased fund mobilization and service reach of the BMT.
Co-Authors Abdul Wadud Nafis Abdul Wadud Nafis Afiatul Mila Ahmad Faldi Al Hasbi Ahmad Saef Alfath Ahmadiono Ahmadiono Angrum Pratiwi Ani Surifah Anisa Nanda Rosida Aprilya Fitriani ayu firnanda Dafid Firman Wahyudi Daniatus Sholiha Dewi Animatul Jannah Dinda Tri Ayuning Tyas Eka Putri Lestari Faizurrofiq Lutfil Huda Fauzan Fauzan Fauzan Firdausul Makrifah Indah Dwi Lestari Indah Nofita Sari Jihan Fita Nabila Lutfah Rozzalina Mahmudah Mahmudah Masruroh, Nikmatul Mauliyah, Nur Ika Moh Krisna Candra P Moh Malik Efendy Mya Hayda Karisma Puspa Segara Al Amin Rafidah, Nathania Nur Refi Anggraini Rufita Laily Suryanti Salman Al Farisi Septiana Malihah Setianingrum, Nurul Silvia Maulida I’lana SITI NUR AENI Siti Wardah Noorusyiam Wilda Hayatun Nufus Wisnu Erlangga