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All Journal Martabe : Jurnal Pengabdian Kepada Masyarakat Jurnal ABDINUS : Jurnal Pengabdian Nusantara Kartika: Jurnal Studi Keislaman Journal of Economic and Islamic Research Ascendia: Journal of Economic and Business Advancement
Peni Haryanti
Universitas Hasyim Asy’ari Tebuireng Jombang
Religion Agriculture, Biological Sciences & Forestry Arts Humanities Computer Science & IT Economics, Econometrics & Finance Education Environmental Science Industrial & Manufacturing Engineering Social Sciences

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PENINGKATAN LITERASI PERBANKAN SYARIAH BERBASIS DIGITAL PLATFORM DI SMK PERGURUAN MUALLIMAT CUKIR JOMBANG Peni Haryanti; Athi' Hidayati; Imam Sopingi; Kusnul Ciptanila Yuni K; Riris Yulia Roman; Dede Nurhayati
Martabe : Jurnal Pengabdian Kepada Masyarakat Vol 6, No 7 (2023): Martabe : Jurnal Pengabdian Kepada Masyarakat
Publisher : Universitas Muhammadiyah Tapanuli Selatan

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.31604/jpm.v6i7.2562-2568

Abstract

Tingkat literasi keuangan yang tinggi  merupakan salah satu indikator akan maksimalnya pemahaman masyarakat akan literasi di bidang keuangan. Salah satu dampak dari tingginya tingkat literasi keuangan adalah pesatnya perkembangan produk dan jasa keuangan. Namun, kenyataannya di Indonesia tingkat literasi keuangan masih rendah sehingga berdampak pada kurangnya minat masyarakat akan produk dan layanan keuangan khususnya diperbankan. Banyak masyarakat khususnya masyarakat pinggiran yang masih enggan untuk menggunakan produk dan layanan perbankan khususnya perbankan Syariah yang notabene nya masih tergolong baru. Dengan adanya permasalahan tersebut perlunya adanya peningkatan literasi keuangan di kalangan masyarakat. Tim PKM dari Unhasy mengadakan pelatihan Peningkatan Literasi Perbankan Syariah Berbasis Digital Platform di SMK Perguruan Muallimat Cukir dengan tujuan untuk mengedukasi tentang produk dan layanan di perbankan Syariah, penghitungan pembiayaan dengan akad murabahah menggunakan penghitungan manual dan menggunakan aplikasi Kalkulator Syariah berbasis digital platform. Kegiatan ini diharapkan mampu meningkat literasi dibidang keuangan Syariah khususnya untuk generasi muda. Hasil pelatihan adalah adanya peningkatan pengetahuan yang dibuktikan dengan semakin banyaknya jawaban yang benar saat post-test dibandingkan dengan jawaban pre-test
Analisis Peran Home Industry Binaan Lembaga Industry Kreatif Modern (IKM) Jombang dalam Meningkatkan Kesejahteraan Masyarakat Prespektif Ekonomi Islam Abidah Abidah; Peni Haryanti
Journal of Economic and Islamic Research Vol. 1 No. 01 (2022): November
Publisher : Prodi Ekonomi Syariah STAI Syaichona Moh. Cholil Bangkalan

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.62730/journalofeconomicandislamicresearch.v1i01.27

Abstract

Indonesia really expects the welfare of every Muslim. Therefore, the researchers chose to conduct research on the operations of the IKM Institution of Jombang which aims to improve mutual welfare in the COVID-19 transition period so that it can continue to grow. In the case of home industries affected by the pandemic, after this transition period, several entrepreneurs went out of business and did not continue their business. This type of research used a qualitative approach. The findings in this study were the Home Industry fostered by the IKM Institution of Jombang had a role in the welfare of the community. With the help and support from the IKM Institution of Jombang, this Home Industry business had room for product development, good and friendly service, and all forms of business-related consulting, licensing, etc can be obtained easily from an Islamic economic perspective. Regarding the role of the Home Industry which was fostered by the IKM Institution of Jombang (Islamic economic perspective during the covid 19 transition period) in the welfare of the community, may have an impact on the welfare of Muslims, both material welfare and spiritual welfare, is gradually increasing.
Peran Strategis Green Sukuk dalam Mendukung Pembangunan Berkelanjutan: Studi Berbasis Literatur Global 2021–2025 Dio Firmansyah; Peni Haryanti
Journal of Economic and Business Advancement Vol. 1 No. 2 (2025): December: Ascendia: Journal of Economic and Business Advancement
Publisher : CV SCRIPTA INTELEKTUAL MANDIRI

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.65310/4et7d832

Abstract

This study investigates the strategic role of Green Sukuk in supporting global sustainable development agendas during the 2021–2025 period through a systematic review of international literature. By synthesizing findings from peer-reviewed articles, institutional reports, and global regulatory guidelines, this research identifies Green Sukuk as a rapidly expanding Islamic financial instrument that bridges environmental objectives with Sharia-compliant investment principles. The analysis reveals that Green Sukuk contributes significantly to financing renewable energy, climate-resilience programs, waste management, and low-carbon infrastructure, particularly in emerging economies such as Indonesia, which has become one of the world’s leading issuers. The study highlights that transparency, external verification, and alignment with Environmental, Social, and Governance (ESG) indicators strengthen investor confidence and mitigate risks associated with greenwashing. Additionally, the integration of Maqasid al-Shariah principles reinforces the ethical foundations of Green Sukuk, positioning it as a dual-legitimacy instrument with financial and moral value. Overall, the findings demonstrate that Green Sukuk functions not only as a sustainable financing tool but also as a policy mechanism that accelerates green economic transition and broadens public participation through both institutional and retail investment models.  
Kualitas Layanan Digital dan Kepercayaan Pengguna Aplikasi BYOND by BSI: Peran Mediasi Persepsi Kepatuhan Syariah Dewi Maslachah; Imam Sopingi; Peni Haryanti; Athi’ Hidayati
Kartika: Jurnal Studi Keislaman Vol. 6 No. 3 (2026): Kartika: Jurnal Studi Keislaman (August)
Publisher : Lembaga Pendidikan Tinggi Nahdlatul Ulama (LPT NU) PCNU Kabupaten Nganjuk

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.59240/kjsk.v6i3.987

Abstract

The development of Islamic digital banking in Indonesia has driven the increasing use of the BYOND by BSI application among university students. However, user trust in Islamic digital banking services is still influenced by many factors, including digital service quality and perceived sharia compliance. This study aims to examine the effect of digital service quality on user trust, with perceived sharia compliance as a mediating variable, in the BYOND by BSI application, study on gen Z  University students in jombang. The research strategy for this study was a quantitative survey. A total of 2,630 participants formed the study population, all students from the 2022–2025 intake at Hasyim Asy'ari University Tebuireng in Jombang who use the BYOND by BSI application. 100 participants were randomly selected using a quota sampling method, and the sample size was calculated using the Slovin formula with a 10% margin of error. The researchers used SmartPLS 4.0 software to run the SEM approach, which is based on PLS, to analyze the data. The study findings indicate that: (1) digital service quality has a positive and significant effect on user trust; (2) the quality of digital services has a positive and significant effect on the perception of sharia compliance; (3) the perception of sharia compliance has a positive and significant effect on user trust; and (4) the perception of sharia compliance is proven to partially mediate the effect of the quality of digital services on user trust in the BYOND by BSI application among Unhasy students.
Literasi Ekonomi Islam, Religiusitas, dan Intensi Transaksi E-Commerce: Peran Mediasi Sikap Konsumen Muslim Auliya Auliya Elvansa Santoso; Kusnul Ciptanila Yuni K; Imam Sopingi; Peni Haryanti
Kartika: Jurnal Studi Keislaman Vol. 6 No. 3 (2026): Kartika: Jurnal Studi Keislaman (August)
Publisher : Lembaga Pendidikan Tinggi Nahdlatul Ulama (LPT NU) PCNU Kabupaten Nganjuk

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.59240/kjsk.v6i3.988

Abstract

Researching how Muslims make purchases online is becoming more important as e-commerce in Indonesia continues to expand. The purpose of this study is to analyze the influence of Islamic economic literacy and religious values on the intention to engage in e-commerce transactions, with Muslim consumer attitudes serving as a mediating variable, among Gen Z students at Jombang University. The studies strategy used in this studies is a survey-based quantitative technique. In order to gather data, 96 individuals were chosen using a purposive sample method and given a Likert-scale questionnaire. With the help of the SmartPLS 4.0 tool, the studies data was analyzed utilizing PLS-SEM technique. The results demonstrate that religious beliefs and Islamic economic literacy positively affect the propensity to engage in online business. The impact of Islamic economic literacy and religious beliefs on transaction intentions was shown to be mediated by Muslim consumer attitudes. Also, e-commerce purchase intent is positively impacted by Muslim customer views. Students' favorable views and intents to transact via e-commerce platforms that conform with Sharia rules may be strengthened by strengthening their Islamic economic literacy and religiosity, according to this research. Universities, e-commerce operators, and other relevant organizations should prioritize Islamic economic literacy instruction and work to develop religious values in order to promote digital transaction behavior that is in line with Sharia standards, according to the implications of this study
Smart Financial: Cerdas Merencanakan Keuangan di Era Digital Meta Ardiana; Dwi Ari Pertiwi; Rachma Agustina; Humaidi Humaidi; Peni Haryanti; Athi’ Hidayati; Iftitaahul Mufarrihah
Jurnal ABDINUS : Jurnal Pengabdian Nusantara Vol 10 No 1 (2026): Volume 10 Nomor 1 Tahun 2026
Publisher : Universitas Nusantara PGRI Kediri

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.29407/ja.v10i1.26897

Abstract

Era digitalisasi secara drastis mengubah lanskap bisnis saat ini. Platform digital marketing, e commerce, digital payment dan layanan keuangan digital (FinTech) menjadi bagian tidak terpisahkan dalam operasional bisnis modern. Perkembangan pesat di dunia digital berbagai aplikasi dan perangkat lunak keuangan hadir untuk membantu pelaku usaha dalam mengelola keuangan usaha, akan tetapi masih banyak pelaku usaha yang memanfaatkan kurang maksimal akibat keterbatasan pendidikan, sumber daya, pengetahuan dan ketrampilan. Pengabdian masyarakat ini dirancang untuk meningkatkan literasi keuangan digital pada wali murid SDN Selopanggung I yang sebagian besar adalah wiraswasta. Usaha mereka dibidang pertanian tanaman rosella dan pengolahannya. pelatihan ini berhasil menunjukkan bahwa pencatatan dan pengelolaan keuangan yang baik merupakan fondasi utama keberlangsungan usaha, sekecil apa pun skala usahanya. Perubahan ini tercermin dari peningkatan motivasi peserta dalam pencatatan akuntansi usaha serta membandingkan kinerja usaha secara berkala dan pemanfaatan layanan keuangan digital.
Co-Authors Abidah Abidah Athi' Hidayati Athi’ Hidayati Auliya Auliya Elvansa Santoso Dede Nurhayati Dewi Maslachah Dio Firmansyah Dwi Ari Pertiwi Humaidi Humaidi Iftitaahul Mufarrihah Imam Sopingi Kusnul Ciptanila Yuni K Meta Ardiana Rachma Agustina Riris Yulia Roman