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All Journal Afkaruna: Indonesian Interdisciplinary Journal of Islamic Studies Jurnal Masharif al-Syariah: Jurnal Ekonomi dan Perbankan Syariah Jurnal Ekonomi Islam JMM (Jurnal Masyarakat Mandiri) MALIA Humanism : Jurnal Pengabdian Masyarakat Society: Jurnal Pengabdian Masyarakat JIEPS: Jurnal Ilmiah Ekonomi Islam dan Perbankan Syariah Fakultas Agama Islam Universitas Muhammadiyah Aceh Jurnal Ekonomi Islam SAUJANA : Jurnal Perbankan Syariah dan Ekonomi Syariah
Salsabilla, Salma Nadia
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Religion Humanities Computer Science & IT Decision Sciences, Operations Research & Management Economics, Econometrics & Finance Education Languange, Linguistic, Communication & Media Public Health Social Sciences Other

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Upaya Peningkatan Kemandirian Ekonomi APUNA Jawa Timur Melalui Aplikasi Smart Self Entrepreneur (SSE) Setiyowati, Arin; Berkah, Dian; Huda, Fatkur; Salsabilla, Salma Nadia
Society : Jurnal Pengabdian Masyarakat Vol 3, No 5 (2024): September
Publisher : Edumedia Solution

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.55824/jpm.v3i5.447

Abstract

Kurangnya pengetahuan dan pemahaman tentang pengelolaan usaha yang professional untuk peningkatan skala usaha, tidak ada akses maupun media yang mewadai upaya peningkatan skill kewirausahaan secara mandiri yang mudah diakses darimana saja dan kapan saja, dan belum adanya Gerakan yang massif mengenai peningkatkan kualitas kewirausahan menjadikan Tim Abdimas Universitas Muhammadiyah Surabaya melakukan pengabdian dengan menghadirkan Solusi berupa aplikasi Smart Self Entrepreneur (Sse) berbasis web untuk peningkatan kemandirian ekonomi perempuan khususnya kader PWNA Jawa Timur. Metode penelitian dilakukan dalam beberapa tahapan yakni persiapan, pelaksaanaan mentoring evaluasi, dan pelaporan. Hasilnya bahwa pengabdian ini mendapatkan respon yang positif dari berbagai pihak terutama dari PWNA Jawa Timur
ANALISIS KELAYAKAN BISNIS CATERING NUTRIPLATES DITINJAU DARI ASPEK TEKNIS Salsabilla, Salma Nadia; Latifah , Luluk
SAUJANA : Jurnal Perbankan Syariah dan Ekonomi Syariah Vol 6 No 2 (2024): SAUJANA : Jurnal Perbankan Syariah dan Ekonomi Syariah
Publisher : STEI Kanjeng Sepuh Gresik Jawa Timur

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.59636/saujana.v6i2.231

Abstract

Feasibility analysis in a business is very important in running the business. There are several aspects in a business feasibility analysis, one of which is the technical aspect. The purpose of this research is to identify the business feasibility in one of the technical aspects that need to be considered, such as business location, layout and production capacity, technology and equipment, processing system, Human Resources (HR), and storage and distribution. This research uses a case study method with NutriPlates Catering, which is an UMKM in the catering field. The research results show that the technical aspects carried out by NutriPlates Catering include business location, human resources (HR), technology, equipment, processing, and distribution.
Manajemen Penghimpunan dan Pendistribusian Dana Zis (Zakat, Infaq, dan Shadaqoh) pada Lazisnu, Ujungpangkah, Gresik Setiyowati, Arin; Salsabilla, Salma Nadia; Muftaqor, Nur Azmil; Zuhud, Mochammad Haris; Rahmayani, Nisa
Jurnal Masharif al-Syariah: Jurnal Ekonomi dan Perbankan Syariah Vol 10 No 2 (2025)
Publisher : Universitas Muhammadiyah Surabaya

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.30651/jms.v10i2.24098

Abstract

Berbagai faktor seperti pendidikan, infrastruktur, kesehatan, ekonomi, hingga kebencanaan menjadi permasalahan sehingga melalui dana ZIS dapat menanggulangi berbagai permasalahan tersebut dan dana yang diperoleh dapat didistribusikan dengan baik maka dibentuklah Lembaga Amil Zakat (LAZ). Tujuan penelitian ini membahas seputar upaya Lazisnu dalam menghimpun, mengelola dan mendistribusikan dana ZIS di daerah Ujungpangkah Gresik. Penelitian ini merupakan buah dari kegiatan Tim Abdimas Universitas Muhammadiyah Surabaya selama pelaksanaan kegiatan tersebut sebagai hasil kerja sama dengan mitra pelaksanaan program edukasi literasi keuangan syariah bersama Lazisnu Ujungpangkah Gresik. Metode penelitian yang digunakan deskriptif kualitatif dengan 2 sumber data yaitu data primer melalui observasi dan wawancara, sedangkan sumber data sekunder diperoleh melalui dokumentasi dan studi pustaka dari referensi terkait. Hasil penelitian menunjukkan lembaga amil zakat, infak, dan sedekah yang memiliki sejarah dan perkembangan yang signifikan. Berbagai program dan kegiatan, NU Care-Lazisnu dalam bidang ekonomi, kesehatan, pendidikan, hingga kebencanaan sebagai satu komitmen dari Lazisnu Kata kunci : Distribusi, Lazisnu, Penghimpunan, ZIS
THE ROLE OF MOSQUES IN UTILIZING ZAKAT, INFAQ, AND SHADAQOH AS SUSTAINABLE SHARIA FINANCIAL INSTRUMENTS IN SURABAYA Huda, Fatkur; Wijaya, M. Febriyanto Firman; Nadid, Erdin; Salsabilla, Salma Nadia; Al Farisi, Salman
Ekonomi Islam Vol. 16 No. 1 (2025): Jurnal Ekonomi Islam Fakultas Agama Islam UHAMKA
Publisher : Universitas Muhammadiyah Prof DR HAMKA

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.22236/jei.v16i1.16162

Abstract

Research aims: This study aims to explore the strategic role of mosques in managing Zakat, Infaq, and Shadaqah (ZIS) as sustainable Islamic financial instruments to support socio-economic empowerment in Surabaya. Design/Methodology/Approach: Using a qualitative descriptive approach, this research employed in-depth interviews and field observations across 14 selected mosques in five regions of Surabaya. Data were analyzed thematically to identify patterns in ZIS fund management and community empowerment practices. Research findings: The study finds that mosques in Surabaya actively collect and utilize ZIS funds for social aid and productive activities. Key strategies include enhancing human resource capacity, improving facilities and financial management infrastructure, raising public awareness, and building partnerships with Islamic financial institutions. Programs such as skill training, micro-enterprise support, and infrastructure development demonstrate the sustainable use of ZIS funds. Transparency and accountability are also emphasized to increase public trust. Theoretical Contribution/Originality: This study contributes to the literature by contextualizing mosque-based ZIS management in an urban Indonesian setting. It offers a structured strategy map tailored to the socio-economic characteristics of Surabaya and expands on existing empowerment models by integrating religious, financial, and institutional dimensions. Practitioners/Policy Implications: The findings provide actionable insights for mosque administrators, zakat institutions, and policymakers to enhance the sustainability of ZIS utilization. Recommendations include capacity-building for mosque amil, digitalization of ZIS systems, and policy support for mosque collaborations with Islamic financial institutions and government agencies. Research Limitations/Implications: The study is limited to 14 mosques, which may not fully represent the diversity of practices across Surabaya. The qualitative nature also limits generalizability. Future research should adopt a mixed-methods approach with broader samples and examine digital integration and long-term program outcomes for greater impact assessment.
Comparative Study of Regulations, Governance, Management, and Innovation Models in the Development of Muhammadiyah Waqf with Malaysia and Brunei Darussalam Setiyowati, Arin; Laila, Nisful; Sukmana, Raditya; Salsabilla, Salma Nadia
Afkaruna: Indonesian Interdisciplinary Journal of Islamic Studies Vol. 21 No. 1: June 2025
Publisher : Fakultas Agama Islam, Universitas Muhammadiyah Yogyakarta

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.18196/afkaruna.v21i1.26343

Abstract

This study presents a comparative analysis of waqf regulation, governance, management, and innovation in Muhammadiyah (Indonesia), Malaysia, and Brunei Darussalam. The aim is to identify similarities and differences in their waqf systems and evaluate how governance and innovation impact community welfare. A qualitative library research approach was used, focusing on waqf-related regulations, management structures, and asset development strategies. Muhammadiyah manages waqf independently through internal institutional policies, guided by Law No. 41 of 2004. In Malaysia, waqf is regulated by the State Islamic Religious Councils (Majlis Agama Islam Negeri, MAIN), which promote corporate-based management such as property development and Sharia-compliant investments, exemplified by the Selangor Waqf Corporation (Perbadanan Wakaf Selangor, PWS). Brunei Darussalam centralizes waqf under the Ministry of Religious Affairs (Kementerian Hal Ehwal Ugama, KHEU), with strict regulations and strong state support for Islamic economic empowerment. In terms of innovation, Malaysia demonstrates a more advanced corporate waqf model with productive asset management, while Brunei prioritizes centralized stability. Muhammadiyah continues to adopt new models such as cash waqf and Islamic investments, though improvement is still needed in professional asset governance and transparency. This research introduces a novel comparative framework by analyzing multi-country waqf governance and applying the concept of Good Waqf Governance, including transparency, accountability, and efficiency. Unlike previous studies that examined isolated cases, this paper maps cross-national governance strategies and their socio-economic outcomes. Furthermore, it highlights Malaysia’s and Brunei’s potential as models for Muhammadiyah’s reform. One key recommendation is to integrate Malaysia’s corporate waqf framework into Muhammadiyah’s waqf strategy to enhance long-term sustainability and economic returns. The study contributes to the discourse on Islamic philanthropy by offering scalable strategies for revitalizing waqf institutions in the Muslim world.
ANALISIS SWOT ANTARA PRODUK TABUNGAN PENDIDIKAN DAN E-MAS TERHADAP MINAT ORANG TUA DALAM INVESTASI JANGKA PANJANG (STUDI KASUS DI BSI KCP RUNGKUT 1 SURABAYA) Salsabilla, Salma Nadia
Jurnal Ekonomi & Perbankan Syariah Vol 4, No 2 (2024): JEIPS: Jurnal Ekonomi Islam dan Perbankan Syariah
Publisher : Prodi Perbankan Syariah Fakultas Agama Islam Universitas Muhammadiyah Aceh

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.37598/jeips.v4i2.2178

Abstract

Artikel ini dimaksudkan untuk membandingkan melalui analisa SWOT antara dua produk dari Bank Syariah Indonesia (BSI) yang dapat menjadi pertimbangan penting bagi nasabahnya terkait produk Tabungan junior dan E-mas. Metode yang digunakan adalah penelitian kualitatif dengan pendekatan studi kasus. Hasil dari penelitiaan menunjukkan bahwa tabungan junior dan investasi dalam emas memiliki perbedaan yang signifikan dalam hal karakteristik, potensi pertumbuhan, dan manfaat jangka panjang. Produk e-mas cocok dijadikan sebagai investasi dalam jangka Panjang yang waktunya lebih dari lima tahun karena nilainya yang terus bertambah sedangkan Tabungan junior dapat disesuaikan dengan kondisi finansial keluarga, memungkinkan untuk menabung dalam jumlah yang sesuai tanpa memberatkan keuangan keluarga.
THE ROLE OF MOSQUES IN UTILIZING ZAKAT, INFAQ, AND SHADAQOH AS SUSTAINABLE SHARIA FINANCIAL INSTRUMENTS IN SURABAYA Huda, Fatkur; Wijaya, M. Febriyanto Firman; Nadid, Erdin; Salsabilla, Salma Nadia; Al Farisi, Salman
Ekonomi Islam Vol. 16 No. 1 (2025): Jurnal Ekonomi Islam Fakultas Agama Islam UHAMKA
Publisher : Universitas Muhammadiyah Prof DR HAMKA

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.22236/jei.v16i1.16162

Abstract

Research aims: This study aims to explore the strategic role of mosques in managing Zakat, Infaq, and Shadaqah (ZIS) as sustainable Islamic financial instruments to support socio-economic empowerment in Surabaya. Design/Methodology/Approach: Using a qualitative descriptive approach, this research employed in-depth interviews and field observations across 14 selected mosques in five regions of Surabaya. Data were analyzed thematically to identify patterns in ZIS fund management and community empowerment practices. Research findings: The study finds that mosques in Surabaya actively collect and utilize ZIS funds for social aid and productive activities. Key strategies include enhancing human resource capacity, improving facilities and financial management infrastructure, raising public awareness, and building partnerships with Islamic financial institutions. Programs such as skill training, micro-enterprise support, and infrastructure development demonstrate the sustainable use of ZIS funds. Transparency and accountability are also emphasized to increase public trust. Theoretical Contribution/Originality: This study contributes to the literature by contextualizing mosque-based ZIS management in an urban Indonesian setting. It offers a structured strategy map tailored to the socio-economic characteristics of Surabaya and expands on existing empowerment models by integrating religious, financial, and institutional dimensions. Practitioners/Policy Implications: The findings provide actionable insights for mosque administrators, zakat institutions, and policymakers to enhance the sustainability of ZIS utilization. Recommendations include capacity-building for mosque amil, digitalization of ZIS systems, and policy support for mosque collaborations with Islamic financial institutions and government agencies. Research Limitations/Implications: The study is limited to 14 mosques, which may not fully represent the diversity of practices across Surabaya. The qualitative nature also limits generalizability. Future research should adopt a mixed-methods approach with broader samples and examine digital integration and long-term program outcomes for greater impact assessment.
MEWUJUDKAN DESA MELEK KEUANGAN SYARIAH MELALUI BUDAYA BERDERMA DENGAN CELENGAN FILANTROPI Setiyowati, Arin; Salsabilla, Salma Nadia; Krisdianto, Krisdianto; Putri, Fahriza Nahdya; Putri, Galuh Melati
JMM (Jurnal Masyarakat Mandiri) Vol 9, No 3 (2025): Juni
Publisher : Universitas Muhammadiyah Mataram

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.31764/jmm.v9i3.30150

Abstract

Abstrak: Pentingnya membangun kesadaran masyarakat terhadap praktik keuangan sosial syariah menjadi alasan utama pelaksanaan kegiatan ini, mengingat potensi zakat, infak, dan sedekah (ZIS) yang besar dalam mengurangi ketimpangan sosial. Kegiatan ini bertujuan untuk meningkatkan softskill dan hardskill mitra dalam memahami konsep dan praktik berderma melalui program Celengan Filantropi. Metode yang digunakan meliputi ceramah, praktik langsung, dan diskusi kelompok terfokus (FGD) yang dirancang secara partisipatif. Kegiatan ini melibatkan 32 orang mitra dari masyarakat Desa Ngemboh Gresik. Evaluasi dilakukan menggunakan observasi dan angket sebelum dan sesudah kegiatan. Hasil evaluasi menunjukkan adanya peningkatan pemahaman dan keterampilan sebesar 85%, yang mencerminkan efektivitas pendekatan edukatif dan praktik dalam membudayakan kebiasaan berderma di lingkungan masyarakat.Abstract: The importance of building public awareness of Sharia social finance practices is the main reason for the implementation of this activity, considering the significant potential of zakat, infak, and sedekah (ZIS) in reducing social inequality. This activity aims to enhance the soft skills and hard skills of partners in understanding the concept and practice of philanthropy through the Philanthropy Piggy Bank program. The methods used include lectures, hands-on practice, and focus group discussions (FGD) designed participatively. This activity involved 32 partner participants from the community of Ngemboh Village, Gresik. The evaluation was conducted using observations and questionnaires before and after the activity. The evaluation results show an 85% increase in understanding and skills, reflecting the effectiveness of the educational and practical approach in cultivating the habit of charity within the community.
Pendampingan Pendirian Koperasi Syariah Untuk Meminimalisir Jeratan Rentenir Bagi Warga Desa Ngemboh Gresik Setiyowati, Arin; Salsabilla, Salma Nadia; Permata Sari, Yuliana; Septiansa, Fariski
Humanism : Jurnal Pengabdian Masyarakat Vol 6 No 1 (2025): April
Publisher : Universitas Muhammadiyah Surabaya

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.30651/hm.v6i1.23560

Abstract

Pengabdian masyarakat ini bertujuan sebagai sarana memberikan edukasi, pemahaman, pembudayaan ber-keuangan syariah sekaligus pendampingan pendirian koperasi syariah di desa Ngemboh guna memberikan akses keuangan berbasis Islam yang dekat dan mudah dijangkau supaya meminimalisir dijerat oleh rentenir. Koperasi Simpan Pinjam dan Pembiayaan Syariah (KSPPS) yang merupakan lembaga keuangan mikro syariah (LKMS) yang mampu melayani baik kebutuhan masyarakat untuk rumah tangga maupun pelaku usaha mikro dan kecil. Lembaga ini memfasilitasi terbangunnya kondisi (sistem, metoda, teknik dan output) terwujudnya perimbangan kekayaan yang tidak hanya berada pada segolongan masyarakat. Tujuan diadakannya pendirian koperasi ini yakni membantu meminimalisir jeratan renternir yang menjadi keresahan masyarakat Desa Ngemboh. Pendirian dan Pelaksanaan KSPPS dilakukan dengan bersandar kepada aturan syariah dan aturan koperasi yang ada selama tidak bertentangan dengan hukum syariah. Kekuatan nilai-nilai spiritual dan sosial dari KSPPS ini menjadi kelebihan koperasi berbasis syariah dengan koperasi unit desa konvensional. Dalam menjalankan program pengabdian ini akan dilakukan dengan melakukan pendekatan metode; persiapan, sosialisasi, edukasi, pendampingan,dan pendirian secara legal KSPPS Aisyiyah Berkah Assakinah desa Ngemboh. Kata Kunci : Koperasi, Koperasi Syariah, Rentenir, Pinjaman Online (Pinjol)
Strategic Utilization of Muhammadiyah’s Waqf Land Assets To Support Green Economy Setiyowati, Arin; Salsabilla, Salma Nadia; Berkah, Dian; Nadid, Erdin
MALIA: Jurnal Ekonomi Islam Vol 16 No 2 (2025)
Publisher : Department of Islamic Economics, Faculty of Islamic Religion, Yudharta University Pasuruan, East Java, Indonesia.

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.35891/ml.v16i2.6291

Abstract

Introduction: The utilization of waqf land assets, especially in the Muhammadiyah Organization, has not been optimal in supporting sustainable development and a green economy. A strategy for utilizing waqf land assets in the Muhammadiyah Organization to support a green economy is pivotal. Methods: This study used a qualitative method with a case study approach. The sources used in this study are primary and secondary data. The data analysis technique used in this study was simplifying raw data from interviews or data reduction. Results: Data collection used in-depth interviews with Nadzir administrators. Based on the interviews, four main detailed themes emerged: management of waqf land assets, utilization of waqf land for a green economy, collaboration and partnership, and challenges and optimization strategies. These four themes provide a complete picture of how the waqf land management process works in the field practice. Conclusion and suggestion: Optimizing the use of waqf land assets by Muhammadiyah, especially in Bojonegoro and Lamongan, has shown a paradigm shift from traditional waqf management to productive waqf oriented towards sustainability through integration with the concept of green economy.
Co-Authors Ahmad, Resha Dian Berkah Fatkur Huda Hidayah, Nadiyah Rizqa Krisdianto Sugiyanto Latifah , Luluk Lutfiana, Shinta M Febriyanto Firman Wijaya Muftaqor, Nur Azmil Nadid, Erdin Nisful Laila Permata Sari, Yuliana Putri, Fahriza Nahdya Putri, Galuh Melati Raditya Sukmana Rahmayani, Nisa Salman Al Farisi Salman Al Farisi, Salman Septiansa, Fariski Setiyowati, Arin Zuhroh, Latifah Nisa'uz Zuhud, Mochammad Haris