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All Journal Jurnal Inovasi Teknologi Pendidikan Laa Maisyir Jurnal Ekonomi Islam Sawwa: Jurnal Studi Gender Al-Mustashfa Jurnal Ilmiah Ekonomi Islam AKSIOLOGIYA : Jurnal Pengabdian Kepada Masyarakat Perisai : Islamic Banking and Finance Journal ISLAM KONTEMPORER Jurnal Masharif al-Syariah: Jurnal Ekonomi dan Perbankan Syariah JESI (Jurnal Ekonomi Syariah Indonesia) BALANCE: Economic, Business, Management and Accounting Journal The Journal of Society and Media Humanism : Jurnal Pengabdian Masyarakat Multidiciplinary Output Research for Actual and International Issue (Morfai Journal) Musyarakah: Journal of Sharia Economics (MJSE)

Setiyowati, Arin

Muhammadiyah University Surabaya

Author-ID : 727044

Religion Agriculture, Biological Sciences & Forestry Arts Humanities Chemical Engineering, Chemistry & Bioengineering Civil Engineering, Building, Construction & Architecture Computer Science & IT Decision Sciences, Operations Research & Management Economics, Econometrics & Finance Education Energy Engineering Environmental Science Health Professions Languange, Linguistic, Communication & Media Law, Crime, Criminology & Criminal Justice Library & Information Science Materials Science & Nanotechnology Public Health Social Sciences Other

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Implementasi Produk Investasi Sukuk Ritel SR 017 Pada Bank Syariah Indonesia KCP Rungkut 1 Surabaya Danisa Nanda Pratiwi; Arin Setiyowati; Ainol Yaqin SM; Rizka Firdausy Nuzula
Musyarakah: Journal of Sharia Economic (MJSE) Vol 3, No 1 (2023): April
Publisher : Universitas Muhammadiyah Ponorogo

Retail Sukuk and Savings Sukuk are relevant funding alternatives used to raise funds from the public with low risk. Another advantage of Retail Sukuk and Savings Sukuk is that these investment products are specifically for Indonesian Citizens, thereby reducing Indonesia's dependence on foreign loans and reducing the risk of fluctuations in foreign exchange. This study uses a qualitative research method with a case study approach. The data sources used in this study are primary data sources through observation, interviews and documentation. Meanwhile, secondary data was obtained from a literature review related to the theme of retail sukuk and others. The data validity technique used in this study was triangulation of data sources. Data analysis techniques start from the process of collecting data, then compiling, categorizing data, looking for themes so that they can be interpreted. So that from this study the results of the analysis of retail sukuk SR 017 at BSI KC Rungkut 1 Surabaya, that the benefits of retail sukuk, investment guaranteed by the state (Safe), a period that fits the needs of financial planning, help build the country, halal, profitable and tax lower (10%), and affordable, with only IDR 1 million you can already invest in retail sukuk. And every risk in retail sukuk every year, has liquidity risk mitigation to overcome it. Retail Sukuk can be traded on the secondary market after three coupon payments. Retail Sukuk at BSI is in accordance with the legal basis stated in the fatwa of the National Sharia Council, so that it is in accordance with the background ofÂ Bank BSI which runs according to Islamic sharia.Â

Mekanisme Perhitungan Bagi Hasil Pada Produk Tabungan Haji Berbasis Akad Mudharabah Isnawati Setyo Putri; Zahrani Aya Sofiya; Rini Irfaniyah Ziya'ul Haqque; Arin Setiyowati
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Publisher : Universitas Muhammadiyah Ponorogo

Islamic bank have three functions as fund collectors, fund distributors and services. Bank Syariah Indonesia (BSI) has a variety of product offerings, one of which is the Tabungan Haji Indonesia which is intended for customers who want to perform the pilgrimage. In the Tabungan Haji Indonesia, there is the application of sharia contracts using the Mudharabah contract. In this study using descriptive qualitative methods witd data sources collected through interviews and observations. Form the results of the study that registration for the pilgrimage can be done ehen the minimum amount of savings balance has been met and then you will be able to register with SISKOHAT. In the Tabungan Haji Indonesia product at Bank Syariah Indonesia (BSI) in the implementation of the Mudharabah contract there is a profit sharing mechanism that has been determined with the bank 96% : the customer 4%.

Implementasi Pembiayaan Kredit Usaha Rakyat (KUR) Mikro Syariah Pada Bank Syariah Indonesia KCP Rungkut 1 Athiya Shinta Wulandari; Arin Setiyowati
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Publisher : Universitas Muhammadiyah Ponorogo

People's Business Credit (KUR) is one of the government's efforts to develop the productive sector, in particular by helping business people to obtain financing, through the People's Business Credit (KUR) program. The current government program that is underway in the context of developing micro, small and medium enterprises is known as the People's Business Credit. This research uses qualitative research methods with the Library Research approach. The data source used in this study is a secondary data source. The data collection technique used in this research is data triangulation. With data analysis starting from the data collection process, then compiling, categorizing data, looking for themes so that it can be interpreted. So that from this study the results obtained from the implementation of People's Business Credit (KUR) financing at BSI KCP Surabaya Rungkut 1, that the advantages of KUR financing are that it can increase the capacity of micro business competitiveness.

Analisis Penerapan Strategi Pemasaran Produk Tabungan Easy Wadiah Sheilamida Nanda Muhaeni; Phatriakalista Intan Apsari; Moh. Yusron; Arin Setiyowati
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Publisher : Universitas Muhammadiyah Ponorogo

This research is the result of a qualitative research that aims to explain and analyze the Marketing Strategy of Easy Wadiah Savings Products BSI KCP Rungkut 1 Surabaya. This research includes Field Research where the author examines directly in the field to collect the data he wants to find. The data sources used are primary data and secondary data. Data collection techniques were carried out by observation, interviews, and literature studies. The results obtained are that Wadiah is a deposit from one party to another, both individuals and legal entities that must be guarded and returned whenever the depositor wants it. This paper also explains the tariffs and costs of the Easy Wadiah Savings product at Indonesian Islamic Bank KCP Rungkut 1 Surabaya and the marketing strategies used to market the Easy Wadiah Savings product. From the results of this study, the advice that can be given is that BSI KCP Rungkut 1 Surabaya can introduce BSI products, especially the Easy Wadiah Savings product to the public and its advantages are as wide as possible by increasing promotion through social media and BSI in the future can further improve quality, one of which is improving service. maximum capacity, more complete facilities and infrastructure, more stable management so that BSI vision and mission can be achieved

Gender Relations during Pandemic Era in Indonesia: Negotiation and Resistance of Urban Woman Workers at Work from Home (WFH) in Family Radius Setiyawan; Arin Setiyowati; Maulida Maulida
Sawwa: Jurnal Studi Gender Vol 17, No 1 (2022): April
Publisher : Pusat Studi gender dan Anak (PSGA) Universitas Islam Negeri Walisongo Semarang

After the COVID-19 pandemic, a new condition (New Normal) affects a variety of human activities, especially the working conditions of urban women. Until now, women have been more than viewed as merely objects of domestication, worker exploitation, verbal or physical violence, and other forms of discrimination. This study aims to disclose an alternative perspective on women as subjects actively negotiating their domestic and public roles. This new condition introduces adjustments to women's work-at-home (work-from-home) and family responsibilities during the pandemic (approximately for two years). This research used a qualitative method with in-depth interviews through mapping a new condition of women who were able to negotiate and resist during the pandemic in their families. This study was conducted with working mothers in Surabaya, Sidoarjo, and Gresik. The findings of this study revealed that urban working women frequently negotiate and resist their roles, meaning that gender roles or relations are not static but are always in the process of being.

Sharia Compliance Implementation on Gold Pawn Bank Syariah Indonesia KCP Surabaya Intan Febriyanti; Arin Setiyowati; Dian Berkah
LAA MAISYIR: Jurnal Ekonomi Islam Vol.10 No.1 (2023)
Publisher : Universitas Islam Negeri Alauddin Makassar

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.24252/lamaisyir.v10i1.38371

in press

Pengembangan Inovasi Pembelajaran Virtual Reality Account Officer Customer Servicer Mahasiswa Slow Learner di UMSurabaya Fatkur Huda; Junaidi Fery Efendi; Agus Budiman; Holy Ichda Wahyuni; Arin Setiyowati; Idham Choliq; M. Febrianto Wijaya
Aksiologiya: Jurnal Pengabdian Kepada Masyarakat Vol 7 No 4 (2023): November
Publisher : Universitas Muhammadiyah Surabaya

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.30651/aks.v7i4.18315

Pembelajaran inklusi menjadi sebuah kewajiban bagi peserta didik disabilitas untuk dilaksanakan. Keberadaanya tentu memerlukan adanya perhatian secara khusus. Berdasarkan pertimbangan kebutuhan penyandang disabilitas akan solusi dari hambatan proses pembelajaran praktik untuk layanan perbankan pada mata kuliah Account Officer Customer Services (AOCS), maka dibutuhkan adanya media pembelajaran inovatif dengan menggunakan teknologi. Metode pengembangan ini menggunakan jenis pengembangan Borg & Gall dengan menggunakan 7 tahapan yang dibagi menjadi 3 bagian yaitu studi pendahuluan, pengembangan produk dan ujicoba serta finalisas. Hasilnya adalah bahwa media pembelajaran menggunakan VR-AOCS yang dikembangkan oleh tim ULD Universitas Muhammadiyah Surabaya di Prodi Perbankan Syariah dapat secara adaptif digunakan oleh mahasiswa disabilitas. Selain itu juga adanya media pembelajaran berupa video yang telah diconverting menjadi virtual reality yang dapat menunjang pembelajaran inovatif.

Peluang Dan Tantangan Perbankan Syariah Di Tengah Maraknya Financial Technology (Fintech) Berbasis Pinjaman Online Arin Setiyowati; Ainol Yaqin SM
Jurnal Ilmiah Ekonomi Islam Vol 9, No 3 (2023): JIEI : Vol.9, No.3, 2023
Publisher : ITB AAS INDONESIA Surakarta

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.29040/jiei.v9i3.8613

The purpose of this research is to show the opportunities and obstacles that exist in Islamic banking in the midst of the development of online loan-based fintech which is widely used by the public due to the ease of applying for loans. This is different from financing in Islamic banking in terms of submitting financing which is not as easy and fast as that offered by fintech. This research uses a qualitative method with data collection techniques through literature study. From the data collected, researchers will compare the opportunities and challenges of Islamic banking in the midst of the development of online loan-based fintech. The results of this research indicate that the opportunity for Islamic banking is to be able to increase access to finance for the unreached public through collaboration with Islamic fintech, attracting, collecting and channeling funds at a broader level, and channeling digital-based Islamic financing. The challenges are in regulating and supervising fintech companies operating within the Islamic banking system, competition with conventional fintech that do not follow sharia principles, and the lack of public education about the differences between loans in Islamic banking and fintech online loans.

Implementation of Sharia Compliance in ZIS Distribution at BSI Maslahat Based on DSN-MUI Fatwas Salsabilla, Salma Nadia; Setiyowati, Arin; Latifah, Luluk
Al-Mustashfa: Jurnal Penelitian Hukum Ekonomi Syariah Vol 10, No 1 (2025)
Publisher : UIN Siber Syekh Nurjati Cirebon

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.24235/jm.v10i1.19687

The implementation of Sharia compliance in the management of zakat, infaq, and sadaqah (ZIS) funds is essential to ensure public trust and institutional accountability. This study aims to examine the extent to which BSI Maslahat, the official amil zakat institution affiliated with Bank Syariah Indonesia (BSI), complies with Sharia principles in distributing ZIS funds, particularly in terms of transparency and accountability. This research uses a qualitative method with a literature and documentary study approach. The data were sourced from BSI Maslahat’s annual reports from 2017 to 2023 and relevant fatwas issued by the National Sharia Council–Indonesian Ulema Council (DSN-MUI). Content analysis was applied to assess the alignment of ZIS distribution with Sharia principles, particularly DSN-MUI Fatwa No. 23/2020 and No. 71/2023. The findings indicate that ZIS distribution during the observed period did not fully comply with Fatwa No. 23/2020, as the riqab category was not included. However, improvements in transparency and reporting were evident in accordance with Fatwa No. 71/2023. These results are analyzed through Monzer Kahf’s Islamic Contract Theory, which emphasizes justice, transparency, and Sharia adherence. This study contributes to Islamic economic discourse by offering strategic recommendations to enhance ZIS fund management and compliance. It also serves as a reference for regulators and Islamic financial practitioners to improve institutional governance and public confidence in Islamic philanthropy.Keywords: BSI Maslahat; Sharia Compliance; ZIS Distribution; DSN-MUI; Islamic Contract Theory

ANALYSIS OF GEN Z PERCEPTION OF MOBILE BANKING OPERATIONAL RISKS OF SYARIAH BANKS (Case Study of Islamic Banking Students of UM Surabaya) Ratih Puspitaningrum; Arin Setiyowati; Fatkur Huda
Multidiciplinary Output Research For Actual and International Issue (MORFAI) Vol. 5 No. 3 (2025): Multidiciplinary Output Research For Actual and International Issue
Publisher : RADJA PUBLIKA

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.54443/morfai.v5i3.2965

This study aims to explore the perceptions of generation Z, especially students, towards the operational risks of mobile banking at Islamic banks. The research method used is qualitative with a case study approach, where data is collected through interviews with nine informants selected through purposive sampling techniques, namely Islamic Banking students of UMSurabaya who actively use mobile banking services at Islamic banks. Data validity is obtained through triangulation, and data analysis is carried out by data reduction, data presentation, and drawing conclusions. The results of the study show that the majority of informants assess this service positively because it is in accordance with Islamic principles, although there are concerns regarding technical risks and data security. This shows that the success of mobile banking services depends on the balance between Islamic principles and the quality of a system that is safe for users.

Co-Authors Abdul Hakam Abdul Wahab Agus Budiman Ainol Yaqin SM Athiya Shinta Wulandari Ayu Rikza Danisa Nanda Pratiwi Dian Berkah Dian Lailatullailia Fatkur Huda Herlina Suksmawati Holy Ichda Wahyuni Idham Choliq Intan Febriyanti Isnawati Setyo Putri Junaidi Fery Efendi Kholifatu Azqiya' Latifah, Luluk M. Febrianto Wijaya Ma'ruf Sya'ban Maulida Maulida Moh. Yusron Muhammad Fatikhul Mufidz Phatriakalista Intan Apsari Phatriakalista Intan Apsari Praja Nuryananda Radius Setiyawan, Radius Ratih Puspitaningrum Rini Irfaniyah Ziya'ul Haqque Rizka Firdausy Nuzula rukhul amin Salbiyah, Siti Salsabilla, Salma Nadia Sheilamida Nanda Muhaeni Teguh Wahyudi Zahrani Aya Sofiya

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