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All Journal Jurnal Ekonomi : Journal of Economic An-Nisbah: Jurnal Ekonomi Syariah JURNAL LENTERA : Kajian Keagamaan, Keilmuan dan Teknologi Jurnal Ekonomi Islam Martabe : Jurnal Pengabdian Kepada Masyarakat GERVASI: Jurnal Pengabdian kepada Masyarakat Account : Jurnal Akuntansi, Keuangan dan Perbankan Journal of Economics and Business Aseanomics Soeropati: Journal of Community Service Jurnal Abdimas Ilmiah Citra Bakti (JAICB) Equalita: Jurnal Studi Gender dan Anak Jurnal Ilmiah Wahana Pendidikan Jurnal Abdimas Bina Bangsa Rengganis Jurnal Pengabdian Masyarakat Jurnal Abdimas Kartika Wijayakusuma Unram Journal of Community Service (UJCS) Jurnal Ekonomika Dan Bisnis PREDIKSI : Jurnal Administrasi dan Kebijakan Prosiding University Research Colloquium International Journal of Economics (IJEC) International Journal of Community Service (IJCS) Dharma Pengabdian Perguruan Tinggi (DEPATI) Economics and Business Journal Jurnal Ekonomi Islam JURNAL EKONOMI BISNIS DAN MANAJEMEN Indo-Fintech Intellectuals: Journal of Economics and Business Amal Ilmiah: Jurnal Pengabdian Kepada Masyarakat Neraca: Jurnal Ekonomi, Manajemen dan Akuntansi Jurnal Ekonomi Bisnis dan Manajemen Jurnal Kajian Islam dan Sosial Keagamaan Advances In Social Humanities Research El-Mal: Jurnal Kajian Ekonomi & Bisnis Islam JURNAL RUMPUN MANAJEMEN DAN EKONOMI An-Nisbah: Jurnal Ekonomi Syariah Journal of Ekonomics, Finance, and Management Studies Jurnal Pengabdian Kepada Masyaraka Pelita Nusantara Jurnal Abdimas Ilmiah Citra Bakti Al-Infaq : Jurnal Ekonomi Islam
Renny Oktafia, Renny
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Implementasi Platform Tepat Daya Bank BTPN Syariah dalam Mendukung Pengembangan dan Peningkatan Skill Usaha Mikro Desa Daniswara, Edo; Oktafia, Renny; Laily, Fauzatul
El-Mal: Jurnal Kajian Ekonomi & Bisnis Islam Vol. 5 No. 2 (2024): El-Mal: Jurnal Kajian Ekonomi & Bisnis Islam
Publisher : Intitut Agama Islam Nasional Laa Roiba Bogor

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.47467/elmal.v5i2.608

Abstract

This research was conducted with the aim of knowing the implementation of the Prestasi Daya Platform Application which was introduced to Bank BTPN Syariah customers through the University Friendship Program by BTPN Syariah in supporting Bank BTPN Syariah customers, especially those who have MSME businesses in increasing customer knowledge regarding tips on entrepreneurship in the sub-district area. Pujon, Malang Regency. The research in this journal article uses the case study qualitative method because of the closeness and ease of finding accessible information related to the research being conducted and the limited time and place to conduct the research. Bank BTPN Syariah specifically created an application called the Exact Daya Platform as well as running an Internship program with the theme Friends of University Daya which aims to improve the quality of MSMEs from its customers by assigning apprentice students through gradual mentoring providing direct education to its customers regarding tips in developing its business and also supported by the introduction of the Prestasi Daya Platform Application which can be used as a means of self-learning for its customers in the future after the mentoring period is over. With the Precise Daya Platform application, it is hoped that BTPN Syariah bank customers can develop their business independently and better in the future. Keywords: BTPN Syariah, Small and Medium Enterprise (SME), Business Development, Business Assistance
Penerapan Akad Murabahah dalam Pembiayaan bagi Nasabah Inklusif di BTPN Syariah Setiawan, Mohammad Irvan; Oktafia, Renny; Nisa, Fauzatul Laily
El-Mal: Jurnal Kajian Ekonomi & Bisnis Islam Vol. 5 No. 2 (2024): El-Mal: Jurnal Kajian Ekonomi & Bisnis Islam
Publisher : Intitut Agama Islam Nasional Laa Roiba Bogor

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.47467/elmal.v5i2.609

Abstract

The existence of Islamic banking in the midst of Indonesian community activities is one of the options in carrying out economic activities, Islamic banks that operate according to Islamic principles. One of the Islamic banks in Indonesia is Bank BTPN Syariah, in the financial sector carried out by BTPN Syariah there is one financing product that uses a murabahah contract. The agreement in question is the same as the sale and purchase contract. The financing carried out by BTPN Syariah is intended for inclusive customers who are underprivileged mothers who have not been touched by banks, so BTPN Syariah's role here is to provide financing and training in developing its customers' businesses. The method used in this study is a qualitative research method by conducting interviews and observations. Based on the results of the research that has been conducted, it is known that the application of murabahah contracts in financing at BTPN Syariah is also carried out with Wakalah contracts so that the purchase of goods is not carried out directly by the bank, but the purchase of goods is represented to the customer by the bank. So that the financing carried out by BTPN Syariah does not fully use a murabahah contract, but becomes a wakalah wal murabahah contract on "Tepat Pembiayaan Syariah" financing product. Keywords: BTPN Syariah, Financing, Murabahah Contract
Collaboration Between Facilitator and Social Media officer in Introducing Daya Market Through BPTN Syariah's Sahabat Daya Program Dewi, Kharisma Tri Buana; Oktafia, Renny
International Journal of Economics (IJEC) Vol. 3 No. 1 (2024): January-June
Publisher : PT Inovasi Pratama Internasional

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.55299/ijec.v3i1.724

Abstract

The development of increasingly sophisticated technology requires MSME players to understand increasingly sophisticated technology. The development of technology that has brought many changes to society, the emergence of media has its own impact on life in this world. Everyone can use social media easily. In this case, the rapid development of information technology encourages the economy to develop with the existence of Islamic economics in Islamic banks. PT Bank BTPN Syariah Tbk is a company engaged in the Islamic financial sector. One of the programs initiated by BTPN Syariah bank is Pasar Daya, a program owned by BTPN Syariah organized by Daya. The main objective of this program is to maximize the potential of Access to Market (market access) for customers. The method used in conducting this community service program is to use the ABCD (Asset Based Community Development) method.
Utilization of Technology in Facilitating Customer Purchases and Payments at Charles & Keith Puspito, Galuh Retno; Oktafia, Renny
International Journal of Economics (IJEC) Vol. 3 No. 1 (2024): January-June
Publisher : PT Inovasi Pratama Internasional

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.55299/ijec.v3i1.726

Abstract

With its continued development, technology is now not only used as a communication medium, but can be used as a means of payment or online shopping. Currently, the public or customers are offered many digital shopping and payment methods. PT Kurnia Ciptamoda Gemilang under the Charles & Keith brand has utilized existing technological advances by implementing an online shopping model via website and chat shop as well as a payment method using e-money, without eliminating the cash payment method. Despite innovation, many Charles & Keith customers are still confused about the steps from shopping to payment. This is due to the lack of information obtained so the company introduces this innovation through salespeople. The purpose of this activity is to find out the use of technology to facilitate customer access to purchases and payments at Charles & Keith. The method used is ABCD (Asset Based Community Development) with several stages such as preparation stages, implementation stages and monitoring and evaluation stages. The results obtained from this activity show that the company has taken advantage of technological developments that provide a choice of shopping methods via websites and chat shops as well as payments using transfers, QRIS, credit cards, virtual accounts, and others. Customers also received this innovation positively, as monthly results show about the increase in the number of chat shop users.
WASTE BANK AND COMMUNITY WELFARE IN SIDOARJO (MAQASHID SHARIA PERSPECTIVE) Oktafia, Renny
An-Nisbah: Jurnal Ekonomi Syariah Vol 8 No 2 (2021): An-Nisbah
Publisher : UIN Sayyid Ali Rahmatullah Tulungagung

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.21274/an.v8i2.4864

Abstract

The originality of this research is where previous studies only discussed waste banks from the green economy perspective of maqashid sharia, or discussed economic empowerment only, but in this study it combines all aspects of previous research. This study aims to describe the role of the Sumringah waste bank in improving people's welfare, where the indicator used is Maqashid Syariah. This research uses qualitative research methods, with a case study approach. The waste management system at the Sumringah Waste Bank applies the 3R principle (reduce, reuse, recycle), this aims to motivate the community and increase awareness about managing waste independently from the source, as well as implementing a people's economy. The results of the analysis obtained indicate that there is prosperity in terms of: 1) Spirituality, namely by increasing alms Jariyah (hifz ad-din), 2) fulfilling mental needs (hifz an-nafs), 3) understanding about waste management and environmental hygiene (hifz al-nafs). aql), 4) maintenance of offspring (hifz al-aql), 5) income (hifz al-maal). The implication is as a behavior changer for the community, economic empowerment and quality of life of its members.
Assistance for NIB Registration in an Effort to Increase Legality and Competitiveness of MSMEs in Simoangin-angin Village Syarif, Muhammad Zulfan; Nisa, Fauzatul Laily; Oktafia, Renny
Unram Journal of Community Service Vol. 6 No. 1 (2025): March
Publisher : Pascasarjana Universitas Mataram

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.29303/ujcs.v6i1.832

Abstract

Micro, Small, and Medium Enterprises (MSMEs) play a vital role in regional economic development, yet many MSME owners lack a Business Identification Number (NIB). This community service aimed to enhance business legality and competitiveness through NIB registration assistance in Simoangin-angin Village, Wonoayu, as part of the BPS Statistics Office's Desa Cantik (Statistics-Loving Village) program. The methods used were socialization and assistance, both in-person and online. The program involved 80 micro-business owners, resulting in 12 NIBs created during direct assistance and 28 NIBs through online assistance. Main obstacles included technological limitations and lack of response in online processes. The program successfully increased MSME owners' understanding of NIB importance and statistical literacy, while providing broader access to business development opportunities
Efforts to Develop the Capacity of MSMEs Through Business Assistance for BTPN Syariah Customers at the Pogalan Trenggalek Sharia Mobile Market Febrianti, Fina Fajar; Nisa, Fauzatul Laily; Oktafia, Renny
Unram Journal of Community Service Vol. 6 No. 1 (2025): March
Publisher : Pascasarjana Universitas Mataram

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.29303/ujcs.v6i1.836

Abstract

This service program focuses on empowering Micro, Small and Medium Enterprises (MSMEs) in the MMS Pogalan area by BTPN Syariah. The aim of the activity is to identify the implementation of mentoring programs, analyze supporting and inhibiting factors, and provide an impact on customer business development. The method implemented is carried out through direct training and socialization using interview techniques, using SWOT analysis to share the potential and challenges of MSMEs. Mentoring is carried out over four sessions, with each session lasting one month and four meetings. The results of the service show a significant impact on various aspects of the business. Economically, there is an increase in turnover with the expansion of the marketing reach. The managerial aspect has undergone a transformation with the ability of MSME players to carry out simple bookkeeping, separate personal and business finances, and make sustainable financial plans. Branding and marketing are developing with the creation of brand identities and the use of social media for promotions. The most basic psychological and social impact is increasing the self-confidence, motivation and adaptability of business actors. Even though it can overcome limited resources and traditional cultural barriers, the BTPN Syariah mentoring program proves that empowering MSMEs requires a comprehensive approach that goes beyond just financial assistance, covering managerial, psychological and socio-economic aspects.
BTPN Syariah Customer Assistance Strategy in the Syariah Mobile Marketing Area of Pengasih District Permatasari, Siviana; Oktafia, Renny; Nisa, Fauzatul Laily
Unram Journal of Community Service Vol. 6 No. 1 (2025): March
Publisher : Pascasarjana Universitas Mataram

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.29303/ujcs.v6i1.837

Abstract

The mentoring program for BTPN Syariah customers through the Mobile Marketing Syariah approach in Pengasih District aims to enhance the economic capacity of productive underprivileged communities. This program adopts the Asset-Based Community Development (ABCD) method, focusing on identifying and leveraging community assets to promote Sharia-based economic empowerment. The results demonstrate improvements in financial management skills, including the ability to separate business and personal finances. Additionally, there is an increase in customers’ confidence, accompanied by the adoption of simple technologies such as digital financial recording applications and e-commerce platforms. In the marketing aspect, customers successfully expanded their market reach to broader levels. The program also fostered the creation of sustainable community support systems, such as profit-sharing schemes within business groups. However, challenges such as limited infrastructure and technology access remain and require collaborative solutions. Continued mentoring and capacity building for facilitators are expected to strengthen the positive impact of this program, supporting holistic and sustainable empowerment of underprivileged communities
Business Assistance Strategy Through the BESTE Program to Increase the Resilience of BTPN Syariah Customers' Micro Businesses in the Sapuran Area, Wonosobo Hartanti, Wulan Siska Dwi; Oktafia, Renny; Nisa, Fauzatul Laily
Unram Journal of Community Service Vol. 6 No. 1 (2025): March
Publisher : Pascasarjana Universitas Mataram

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.29303/ujcs.v6i1.845

Abstract

The MSME mentoring program in the Sapuran area, Wonosobo, aims to empower underprivileged communities with a focus on micro businesses. This assistance uses an Assets-Based Community Development (ABCD) approach which maps and develops existing assets in the community, supporting business sustainability. Mentoring involves student facilitators who work with 30 customers from grocery, agricultural, goods production and reseller businesses. The methodology applied consists of four stages: SWOT analysis, providing material on business management, marketing and brand development, material review, and direct practice. The ABCD approach encourages customers to utilize internal resources, such as existing skills, products and networks, to design innovative solutions for their businesses. The results of the assistance show that customers better understand how to manage their business in a structured and efficient manner, as well as increasing product competitiveness through the use of simple technology, such as marketing via social media and developing a business identity. This program also strengthens community economic resilience through strengthening micro businesses and becomes a model that can be applied in other regions to support the sustainability of MSMEs
The Role of Facilitators in Improving Business Profitability of MSMEs Customers of BTPN Syariah Sapuran Wonosobo Fironika, Firda Cahaya; Nisa, Fauzatul Laily; Oktafia, Renny
Unram Journal of Community Service Vol. 6 No. 1 (2025): March
Publisher : Pascasarjana Universitas Mataram

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.29303/ujcs.v6i1.847

Abstract

The MSMEs mentoring program that took place in the Sapuran area, Wonosobo, aims to provide support to BTPN Syariah customers, especially women from productive communities. This activity focuses on empowering and increasing the capacity and skills of customers so that their businesses can develop sustainably. In addition, this program also aims to expand market access, both offline and online. The implementation of this service is carried out using training methods, written interviews, SWOT Analysis (Strength, Weakness, Opportunity, Threat), and Filling out mini surveys. Training for mentoring includes Introduction activities, Material Delivery, Material Review, and (Practice and Closing). This is done to see the condition of BTPN Syariah customers in running their businesses. The results show that this routine mentoring process has proven to be successful in helping many BTPN Syariah customers. This is evidenced by the results of a mini survey that has been conducted by the facilitator. Although previously there were customers who had difficulty in managing their businesses optimally, the presence of facilitators in this mentoring has brought significant changes. Now, their businesses are showing positive developments. By understanding and implementing the material that has been delivered during the mentoring process, the client can gain new advantages in running their business in the future. This program contributes to a significant increase in sales revenue and the development of the client's entrepreneurial skills. Thus, this mentoring program can increase capacity and empower the client's business to achieve great success in the future.
Co-Authors Abdul Basith Agustina, Devi Alfiansyah, Calvin Amalia, Holisatul angella20, jemima20 Ardiwinata, Muhammad Everest Ary Fauziah Amini Ayu, Alnysa Purwita Aziz, Rizqi Nurul Afifa Bella, VIOLA Candraningtyas, Callista Vania Crisandy, Fabian Daniswara, Edo Dewi, Kharisma Tri Buana Dimas Nugroho Dwi Seputro Dyah Suryani Elisabeth Sirait, Petra Fadhilah, Rizky Ahmad Fadhlilhaq, Tsaqif Faiqotul Himmah Febrianti, Fina Fajar Fironika, Firda Cahaya Fitri Wulandari Fransiska Ajustina Hafizhah, Aqilah Nur Isnaini Harisanti, Nur Nadila Hartanti, Wulan Siska Dwi Ilma, Adam Zidni Imron Mawardi Indiati, Pingkan Syabila Tri Jonathan, Krisna Adi Khairunisa, Siti Kholifah, Ananda Nur Kusuma, Shania Pradyptha Laily Nisa, Fauzatul Laily, Fauzatul Latifah, Mutiata M. Taufiq M. Taufiq Majid, Alfi Aulia Mantika, Tri Yuni Marseto Marseto, Marseto Maulidyah, Syafrida Mentari Clara Dewanti Mufajar, Aniswatin Putri Muhammad Ilham Naufal Muhammad Yani, Muhammad Nahdah, Adiibah Afifah Nisa, Fauzatul Laily Nur Hidayat, Yogi Pandiangan, Jeniper Indah Permatasari, Siviana Pratama, Mohammad Adi Puspitasari, Ana Widya Puspito, Galuh Retno Puteri, Natasha Arvanessa Putri Isnaeni, Widya Okta Putri, Rosalyta Rifany Rachmaniyah, Bunga Ayufi Ramadhanty, Nila Safira Reihan, Mohammad Ristiyono, Adinda Dwi Salsabila, Alifah Naurah Sandi, Pramu Mai Santosa, Agus Budhi Saputri, Nanda Vernia Adji Setiawan, Mohammad Irvan Sinaga, Debora Theresia Wulan Situmorang, Febrina Sukiran Putri, Evi Fortuna Syarif, Muhammad Zulfan Taher, Lisanur Kholifah Tania P.F, Fredella Taufiq, M. Ahmad Wati, Ika Murni Wulandari, Annisa Dwi Wulansari, Suci Diana Yundari, Yundari Zahroh, Fitriana Zalyanti, Sephia Zebua, Michael