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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 Al Qalam: Jurnal Ilmiah Keagamaan dan Kemasyarakatan Martabe : Jurnal Pengabdian Kepada Masyarakat 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) Jurnal Pengabdian Masyarakat IPTEKS Al-Mustashfa: Jurnal Penelitian Hukum Ekonomi Syariah
Setiyowati, Arin
Muhammadiyah University Surabaya
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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Ziswaf and Islamic Bank: Study of Ziswaf Fund Management at Bank Muamalat KC Darmo Surabaya Arin Setiyowati; Achmad Syaiful Hidayat
Jurnal Ilmiah Ekonomi Islam Vol. 9 No. 1 (2023): JIEI : Vol.9, No.1, 2023
Publisher : ITB AAS INDONESIA Surakarta

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.29040/jiei.v9i1.7767

Abstract

This study aims to photograph the management of Ziswaf Faunds of Bank Muamalat KC Darmo as a bridge between muzakkin and mustahik (intermediaries) to fulfill their social function obligations. Sharia social funds (ZISWAF) at Bank Muamalat KC Darmo are sourced from employees and customers of Bank Muamalat KC Darmo. From the results of the funds collected, Bank Muamalat KC Darmo will distribute social funds as a whole to be managed and distributed by the Baitul Maal Muamalat National Amil Zakat Institution (LAZNAS) which is a subsidiary of Bank Muamalat Indonesia which is engaged in ZIS and waqf. Using a Qualitative Case Study approach. Data was collected by means of interviews and in-depth documentation. The results showed that the implementation in the management of Ziswaf Funds (ZISWAF) in Bank Muamalat KC Darmo uses a conservation pattern (achieving a sufficient level of profitability and a low and high level of risk).
Implementation of Sharia Compliance in ZIS Distribution at BSI Maslahat Based on DSN-MUI Fatwas Salma Nadia Salsabilla; Arin Setiyowati; Luluk Latifah
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

Abstract

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 Customer Feasibility Classification Using the 5C1S Principle to Obtain Hasanah House Financing at BSI KCP Sidoarjo Krian Yuliana Permata Sari; Arin Setiyowati; Fatkur Huda
Al Qalam: Jurnal Ilmiah Keagamaan dan Kemasyarakatan Vol. 20, No. 2 : Al Qalam (March 2026)
Publisher : Sekolah Tinggi Ilmu Al-Qur'an (STIQ) Amuntai Kalimantan Selatan

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.35931/aq.v20i2.5361

Abstract

The high demand for housing among the public has led to a significant increase in the need for home financing, making the role of Islamic financial institutions crucial in providing financing solutions that align with Islamic principles. Bank Syariah Indonesia (BSI), through its Griya Hasanah product, offers home ownership financing that is free from interest (riba) and based on Sharia contracts. However, the growing demand also heightens the potential risk of problematic financing, necessitating a strict and accurate classification of customer eligibility. This study aims to analyze the application of the 5C+1S principles in assessing the eligibility of customers for Griya Hasanah financing at BSI KCP Sidoarjo Krian. The method used is qualitative with a case study approach, employing in-depth interviews with the marketing team and Business Operational Staff (BOSM), along with data triangulation through financing documents and field observations. The findings reveal that the implementation of the 5C+1S principles (Character, Capacity, Capital, Collateral, Condition of Economy, and Sharia Compliance) contributes significantly to reducing the risk of problematic financing. The principles of Character and Capacity carry the highest assessment weight, as they are directly related to the customer's integrity and repayment ability. Meanwhile, the Sharia aspect serves as the main differentiator from conventional financial institutions, ensuring that all financing processes adhere to Islamic values.
Analisis Penerapan Strategi Pemasaran Produk Tabungan Easy Wadiah Sheilamida Nanda Muhaeni; Phatriakalista Intan Apsari; Moh. Yusron; Arin Setiyowati
Musyarakah: Journal of Sharia Economic (MJSE) Vol 2, No 1 (2021): April
Publisher : Universitas Muhammadiyah Ponorogo

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.24269/mjse.v2i1.5288

Abstract

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
Mekanisme Perhitungan Bagi Hasil Pada Produk Tabungan Haji Berbasis Akad Mudharabah Isnawati Setyo Putri; Zahrani Aya Sofiya; Rini Irfaniyah Ziya'ul Haqque; Arin Setiyowati
Musyarakah: Journal of Sharia Economic (MJSE) Vol 2, No 1 (2021): April
Publisher : Universitas Muhammadiyah Ponorogo

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.24269/mjse.v2i1.5326

Abstract

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%.
Pembelajaran Halal Lifestyle melalui Media Edutainment dalam Meningkatkan Literasi Siswa Sekolah Dasar Fatkur Huda; Erdin Nadid; Arin Setiyowati; Salma Nadia Salsabilla; Elmi Tri Yuliandari
Jurnal Pengabdian Masyarakat IPTEKS Vol. 11 No. 2 (2025): PENGABDIAN MASYARAKAT IPTEKS
Publisher : Universitas Muhammadiyah Jember

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

Abstract

Penelitian ini bertujuan untuk meningkatkan literasi halal lifestyle pada siswa sekolah dasar melalui media pembelajaran berbasis edutainment digital. Latar belakang penelitian ini adalah rendahnya pemahaman siswa terhadap konsep halal dalam kehidupan sehari-hari dan kurangnya metode pembelajaran yang menarik dan kontekstual. Penelitian ini menggunakan metode penelitian tindakan (action research) dengan tahapan persiapan, implementasi, dan evaluasi, yang dilaksanakan secara kolaboratif bersama SD Muhammadiyah 7 Jagir Surabaya. Hasil penelitian menunjukkan bahwa penggunaan media edutainment dalam bentuk video animasi dan game edukatif meningkatkan pemahaman siswa terhadap produk halal, meningkatkan partisipasi aktif dalam pembelajaran, serta mendukung proses internalisasi nilai-nilai Islami secara menyenangkan dan bermakna. Dengan demikian, media edutainment terbukti efektif dalam menanamkan gaya hidup halal sejak dini dan menjadi solusi inovatif dalam pendidikan karakter Islami Kata kunci: Halal lifestyle;literasi halal;edutainment; pendidikan dasar;media pembelajaran
EDUKASI ZAKAT MELALUI MEDIA AUGMENTED REALITY (AR) UNTUK SISWA SD MUHAMMADIYAH 7 SURABAYA Arin Setiyowati; Muhammad Arfan Muammar; Salma Nadia Salsabilla; Yuliana Permata Sari
Martabe : Jurnal Pengabdian Kepada Masyarakat Vol 7, No 12 (2024): MARTABE : JURNAL PENGABDIAN MASYARAKAT
Publisher : Universitas Muhammadiyah Tapanuli Selatan

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.31604/jpm.v7i12.4953-4963

Abstract

Belum adanya media edukasi yang inovatif untuk APE (Alat peraga edukasi) untuk mata pelajaran al-Islam khususnya pada bab Zakat. Sehingga belum memberikan dampak signifikan bagi siswasiswi SDM 7 Surabaya kelas 6. Berangkat dari permasalahan tersebut strategi yang dapat dilakukan yakni pembuatan Media Augmented Reality (AR). Tahapan pengabdian meliputi persiapan, pelaksanaan, mentoring evaluasi dan pelaporaan. augmented reality (ar) mendapatkan respon yang positif dari siswa maupun pihak mitra sd muhammadiyah 7 surabaya. karena dengan adanya media tersebut dapat mengatasi permasalahan yang ada di sd muhammadiyah 7 surabaya
Co-Authors Abdul Hakam Abdul Wahab Achmad Syaiful Hidayat Agus Budiman Ainol Yaqin SM Amin, Rukhul Athiya Shinta Wulandari Ayu Rikza Danisa Nanda Pratiwi Dian Berkah Dian Lailatullailia Elmi Tri Yuliandari Erdin Nadid Fatkur Huda Herlina Suksmawati Holy Ichda Wahyuni Idham Choliq Intan Febriyanti Isnawati Setyo Putri Junaidi Fery Efendi Kholifatu Azqiya' Luluk latifah M. Febrianto Wijaya Maulida Maulida Ma’ruf Sya’ban Moh. Yusron Muhammad Arfan Muammar Muhammad Fatikhul Mufidz Phatriakalista Intan Apsari Phatriakalista Intan Apsari Praja Nuryananda Radius Setiyawan Ratih Puspitaningrum Rini Irfaniyah Ziya'ul Haqque Rini Irfaniyah Ziya'ul Haqque Rizka Firdausy Nuzula Salbiyah, Siti Salma Nadia Salsabilla Salsabilla, Salma Nadia Sheilamida Nanda Muhaeni Teguh Wahyudi Yuliana Permata Sari Zahrani Aya Sofiya