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All Journal Jurnal Inovasi Teknologi Pendidikan Jurnal Ilmiah Ekonomi Islam AKSIOLOGIYA : Jurnal Pengabdian Kepada Masyarakat Perisai : Islamic Banking and Finance Journal Maqasid: Jurnal Studi Hukum Islam Jurnal Masharif al-Syariah: Jurnal Ekonomi dan Perbankan Syariah Jurnal Ekonomi Islam SELAPARANG: Jurnal Pengabdian Masyarakat Berkemajuan Martabe : Jurnal Pengabdian Kepada Masyarakat Jesya (Jurnal Ekonomi dan Ekonomi Syariah) BALANCE: Economic, Business, Management and Accounting Journal Al Maal: Journal of Islamic Economics and Banking Humanism : Jurnal Pengabdian Masyarakat Al-Sharf: Jurnal Ekonomi Islam Multidiciplinary Output Research for Actual and International Issue (Morfai Journal) Jurnal Serambi Abdimas Society: Jurnal Pengabdian Masyarakat Borobudur Journal on Legal Services Jurnal Edukasi dan Pengabdian kepada Masyarakat (JEPKM) Jurnal Ekonomi Islam Engagement: Jurnal Pengabdian Kepada Masyarakat Journal of Community Service: In Economic, Business, and Islamic Finance
Fatkur Huda
Islamic Banking, Faculty Of Islamic Studies Universitas Muhammadiyah Surabaya
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Efektifitas Peningkatan Literasi Keuangan Syariah Melalui Edukasi Akad-Akad Syariah Oleh Bprs Mandiri Mitra Sukses Gresik Di Desa Ngemboh Gresik Hidayah, Nadiyah Rizqa; Setiyowati, Arin; Huda, Fatkur
Jurnal Ilmiah Ekonomi Islam Vol 10, No 3 (2024): JIEI : Vol.10, No.3, 2024
Publisher : ITB AAS INDONESIA Surakarta

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.29040/jiei.v10i3.14548

Abstract

Penelitian ini bertujuan untuk menganalisa tingkat literasi masyarakat Desa Ngemboh Gresik terhadap keuangan Syariah khususnya akad-akad Syariah melalui edukasi yang diberikan oleh BPRS Mandiri Mitra Sukses Gresik. Jenis penelitian yang digunakan adalah studi kasus dengan metodelogi kualitatif. Teknik pengumpulan data dilaksanakan melalui wawancara dan data-data yang relevan Hasil penelitian ini menunjukkan bahwa edukasi tentang akad-akad Syariah yang dilakukan oleh BPRS Mandiri Mitra Sukses Gresik bersama mahasiswa Universitas Muhammadiyah Surabaya efektif dalam meningkatkan literasi keuangan Syariah di Desa Ngemboh. Program ini berhasil meningkatkan pemahaman masyarakat mengenai konsep-konsep keuangan Syariah, mengubah sikap dan perilaku masyarakat terhadap penggunaan produk keuangan Syariah, serta memberikan dampak positif jangka panjang bagi kesejahteraan ekonomi masyarakat.
Penerapan Shariah Compliance Pada Manajemen Risiko Produk Mikro Ekspress Berbasis Akad Murabahah (Studi Kasus BPRS Mandiri Mitra Sukses Gresik) Ahmad, Resha; Setiyowati, Arin; Huda, Fatkur
Jurnal Ilmiah Ekonomi Islam Vol 10, No 3 (2024): JIEI : Vol.10, No.3, 2024
Publisher : ITB AAS INDONESIA Surakarta

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.29040/jiei.v10i3.14654

Abstract

In recent years, the Islamic finance industry has experienced rapid growth, significantly impacting the global economy. One Islamic financial institution that has grown rapidly as the banking system has declined is BPRS. BPRS, as an Islamic microfinance institution operating in the lower economic zone, has many enthusiasts due to its focus on microfinance based on sharia principles. BPRS Mandiri Mitra Sukses Gresik, which focuses on community economic empowerment, offers the Micro Express product based on the akad murabahah as one of the main pillars in its service portfolio. However, with the ever-changing economic dynamics and increasingly stringent sharia regulations, BPRS Mandiri Mitra Sukses Gresik needs to evaluate risk management on this product to ensure compliance with sharia principles. This research will help explain the risk management steps taken by BPRS Mandiri Mitra Sukses Gresik on the Micro Express product based on the akad Murabahah and analyze the compliance of Shariah compliance with the risk management of the Micro Express product based on the akad Murabahah at BPRS Mandiri Mitra Sukses Gresik. This research is qualitative research with a case study approach, focusing on the description of the risk management mechanism applied at BPRS Mandiri Mitra Sukses Gresik and the analysis of the compliance of risk management with sharia compliance on the Micro Express product based on the murabahah contract. The aim of this research is to determine the steps and compliance of Shariah compliance in the risk management taken by BPRS Mandiri Mitra Sukses Gresik on the Micro Express product based on the akad Murabahah. The result is that the implementation of risk management on the Micro Express product based on the akad murabahah at BPRS Mandiri Mitra Sukses Gresik is in accordance with DSN MUI Fatwa No.04/DSN-MUI/IV/2000 regarding Postponement of Murabahah Financing, Financial Services Authority Regulation No.23/POJK.03/2018 regarding the Implementation of Risk Management for Islamic Rural Banks, and sharia principles in UU RI No.21 Tahun 2008 Pasal 2 regarding the fulfillment of sharia principles.
Efektifitas Peningkatan Literasi Keuangan Syariah Melalui Edukasi Akad-Akad Syariah Oleh Bprs Mandiri Mitra Sukses Gresik Di Desa Ngemboh Gresik Hidayah, Nadiyah Rizqa; Setiyowati, Arin; Huda, Fatkur
Jurnal Ilmiah Ekonomi Islam Vol. 10 No. 3 (2024): JIEI : Vol.10, No.3, 2024
Publisher : ITB AAS INDONESIA Surakarta

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.29040/jiei.v10i3.14548

Abstract

Penelitian ini bertujuan untuk menganalisa tingkat literasi masyarakat Desa Ngemboh Gresik terhadap keuangan Syariah khususnya akad-akad Syariah melalui edukasi yang diberikan oleh BPRS Mandiri Mitra Sukses Gresik. Jenis penelitian yang digunakan adalah studi kasus dengan metodelogi kualitatif. Teknik pengumpulan data dilaksanakan melalui wawancara dan data-data yang relevan Hasil penelitian ini menunjukkan bahwa edukasi tentang akad-akad Syariah yang dilakukan oleh BPRS Mandiri Mitra Sukses Gresik bersama mahasiswa Universitas Muhammadiyah Surabaya efektif dalam meningkatkan literasi keuangan Syariah di Desa Ngemboh. Program ini berhasil meningkatkan pemahaman masyarakat mengenai konsep-konsep keuangan Syariah, mengubah sikap dan perilaku masyarakat terhadap penggunaan produk keuangan Syariah, serta memberikan dampak positif jangka panjang bagi kesejahteraan ekonomi masyarakat.
Penerapan Shariah Compliance Pada Manajemen Risiko Produk Mikro Ekspress Berbasis Akad Murabahah (Studi Kasus BPRS Mandiri Mitra Sukses Gresik) Ahmad, Resha; Setiyowati, Arin; Huda, Fatkur
Jurnal Ilmiah Ekonomi Islam Vol. 10 No. 3 (2024): JIEI : Vol.10, No.3, 2024
Publisher : ITB AAS INDONESIA Surakarta

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.29040/jiei.v10i3.14654

Abstract

In recent years, the Islamic finance industry has experienced rapid growth, significantly impacting the global economy. One Islamic financial institution that has grown rapidly as the banking system has declined is BPRS. BPRS, as an Islamic microfinance institution operating in the lower economic zone, has many enthusiasts due to its focus on microfinance based on sharia principles. BPRS Mandiri Mitra Sukses Gresik, which focuses on community economic empowerment, offers the Micro Express product based on the akad murabahah as one of the main pillars in its service portfolio. However, with the ever-changing economic dynamics and increasingly stringent sharia regulations, BPRS Mandiri Mitra Sukses Gresik needs to evaluate risk management on this product to ensure compliance with sharia principles. This research will help explain the risk management steps taken by BPRS Mandiri Mitra Sukses Gresik on the Micro Express product based on the akad Murabahah and analyze the compliance of Shariah compliance with the risk management of the Micro Express product based on the akad Murabahah at BPRS Mandiri Mitra Sukses Gresik. This research is qualitative research with a case study approach, focusing on the description of the risk management mechanism applied at BPRS Mandiri Mitra Sukses Gresik and the analysis of the compliance of risk management with sharia compliance on the Micro Express product based on the murabahah contract. The aim of this research is to determine the steps and compliance of Shariah compliance in the risk management taken by BPRS Mandiri Mitra Sukses Gresik on the Micro Express product based on the akad Murabahah. The result is that the implementation of risk management on the Micro Express product based on the akad murabahah at BPRS Mandiri Mitra Sukses Gresik is in accordance with DSN MUI Fatwa No.04/DSN-MUI/IV/2000 regarding Postponement of Murabahah Financing, Financial Services Authority Regulation No.23/POJK.03/2018 regarding the Implementation of Risk Management for Islamic Rural Banks, and sharia principles in UU RI No.21 Tahun 2008 Pasal 2 regarding the fulfillment of sharia principles.
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.
Sosialisasi Literasi Produk Halal dan Sertifikat Halal di PCM Krembangan Surabaya Latifah, Luluk; Huda, Fatkur; Krisdianto, Krisdianto; Sya'roni, Mohammad; Hozaini, Imron
Jurnal Serambi Abdimas Vol 6 No 01 (2025): Jurnal Serambi Abdimas
Publisher : Universitas Jenderal Soedirman

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.20884/sa.v6i01.15096

Abstract

Literasi halal merupakan pemahaman seseorang terkait dengan produk yang akan dikonsumsi apakah halal sesuai dengan syariat Islam mulai dari bahan, proses pembuatannya, alat-alatnya, dan transportasinya. Berdasarkan UU no 32 tahun 2020 penting adanya sertifikasi halal sebagai upaya perlindungan terhadap konsumen. Tujuan dari program pengabdian masyarakat ini berupa penguatan literasi terhadap produk halal dan sertifikasi halal. Sasaran dari program pengabdian ini adalah berupa penguatan literasi terhadap produk halal dan sertifikasi halal kepada Masyarakat yang berkedudukan di wilayah Pimpinan Cabang Muhammadiyah (PCM) Krembangan Surabaya. Metode yang digunakan adalah dengan melakukan pelatihan atau workshop tentang kriteria produk halal dan cara pengajuan sertifikat halal dan dokumen-dokumen yang harus dipersiapkan. Pelatihan diawali dengan pre-test dahulu baru penyampaian materi sosialisasi tentang pentingnya Produk halal dan sertifikat halal. Pre-test untuk melihat sejauh mana pemahaman peserta pelatihan terkait produk halal dan sertifikasi halal. Pelatihan diakhiri dengan post-test, untuk melihat peningkatan pemahaman setelah diberikan sosislaisasi dan pelatihan terkait produk halal dan sertifikasi halal. Hasil yang didapat adanya peningkatan pemahaman peserta dibandingkan antara sebelum dengan sesudah pelatihan. Kesimpulan dari kegiatan ini adalah pelatihan yang diberikan bermanfaat untuk para pelaku usaha UMKM dalam meningkatkan pemahaman terkait produk halal dan tatacara pengurusan sertifikasi halal.
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.
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

Abstract

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.
Dissemination of Micro and Small Business Licensing to Increase Awareness of the Importance of Business Licensing Latifah, Luluk Latifah; Nasrullah, Dede; Huda, Fatkur
Journal of Community Service: In Economics, Bussiness, and Islamic Finance Vol. 1 No. 2 (2024): January-June
Publisher : Fakultas Ekonomi dan Bisnis Islam Universitas Islam Negeri Datokarama Palu

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.24239/jcsebif.v1i2.3020.37-47

Abstract

The low level of ownership of business legality is caused by the lack of knowledge of MSE actors regarding the benefits and importance of ownership of business licenses as well as limited information regarding procedures for managing business legality. To overcome the above problems, it is necessary to support and assist the development of UMK in Bulak village. This community service activity aims to increase the knowledge, awareness and skills of stakeholders in Bulak Village on the importance of the Business Identification Number (NIB) for MSEs in increasing the economic resilience of the region. Service activities are carried out through focus group discussion, counseling and question and answer methods. The results obtained in this study indicate that many MSEs do not have business legality, because they do not understand the importance of a business license and how to manage it. So it takes escort by the closest stakeholders or the relevant government in providing information about the benefits of having a business license (NIB), why you have to have an NIB, how to get an NIB, and motivating stakeholders to encourage MSEs to get business permits.
Peningkatan Penjualan Melalui Pendampingan Online Selling pada Platform Digital Huda, Fatkur; Sukadiono, Sukadiono
Aksiologiya: Jurnal Pengabdian Kepada Masyarakat Vol 5 No 4 (2021): November
Publisher : Universitas Muhammadiyah Surabaya

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.30651/aks.v5i4.10161

Abstract

Data BPS di tahun 2019 menunjukkan ada sekitar 20% (atau 54,9 juta jiwa) penduduk Indonesia yang tergolong dalam kategori kelompok rentan miskin, dan lebih dari separuh penduduk tergolong dalam kategori menjelang kelas menengah (aspiring middle class). Kedua kelompok ini rentan untuk kembali jatuh miskin apabila mengalami guncangan, seperti kehilangan pekerjaan, sakit berkepanjangan, gejolak harga pangan, ataupun bencana seperti yang dialami selama krisis COVID-19. Sebagai upaya mitigasi dalam melakukan proses membangitkan ekonomi dikalangan muda, khususnya bagi Angkatan muda Muhammadiyah di kecamatan Gubeng yang merupakan masyarakat terdampak pandemi sehingga perlu adanya trobosan dalam upaya pendampingan dalam melakukan upaya mitigasi dampak pandemic khususnya pada sector ekonomi (UMKM). Pendampingan yang dialakukan adalah dalam bentuk memberikan wawasan tentang online selling dan meberikan praktik tentang aplikasi masketplace. Pengabdian ini menggunakan pendekatan Participatory Action Research (PAR) yang merupakan pengabdian yang melibatkan secara aktif semua pihak-pihak yang relevan (stakeholders) dalam mengkaji tindakan yang sedang berlangsung (dimana pengalaman mereka sendiri sebagai persoalan) dalam rangka melakukan perubahan dan perbaikan ke arah yang lebih baik. Hasilnya adalah bahwa dalam upaya pendampingan online selling Angkatan Muda Muhammadiyah (AMM) Pimpinan Cabang Muhammadiyah Gubeng menunjukkan peran antusias untuk melakukan proses migrasi system penjualan dengan pendekatan konvensional menuju pendekatan digital yakni dengan melakukan online selling pada platform digital.Increased Sales Through Online Selling Assistance on Digital Platforms ABSTRAKBPS data in 2019 shows that there are around 20% (or 54.9 million people) of Indonesia's population belonging to the category of the poor vulnerable group, and more than half of the population belongs to the aspiring middle class category. These two groups are vulnerable to falling into poverty again if they experience shocks, such as job loss, prolonged illness, food price fluctuations, or disasters such as those experienced during the COVID-19 crisis. As a mitigation effort in carrying out the process of awakening the economy among young people, especially for Muhammadiyah youth in the Gubeng sub-district which is a community affected by the pandemic so there needs to be a breakthrough in assistance efforts in mitigating the impact of the pandemic, especially in the economic sector (MSMEs). The assistance he provides is in the form of providing insight into online selling and providing practices about masketplace applications. This service uses a Participatory Action Research (PAR) approach, which is a service that actively involves all relevant parties (stakeholders) in reviewing ongoing actions (where their own experience is a problem) in order to make changes and improvements to a better direction. good. The result is that in an effort to assist the online selling of the Muhammadiyah Youth (AMM) Muhammadiyah Branch Manager Gubeng shows an enthusiastic role in migrating the sales system with a conventional approach to a digital approach, namely by doing online selling on a digital platform.Keywords: economy; digital; on line; selling
Co-Authors Aditya, Febrian Agus Budiman Agus Budiman Ahmad, Resha Amin, Rukhul Betty Ariani Choliq, Idham Dede Nasrullah Dewi, Wahyu Surya kartika Dian Berkah Eka Putri, Dheyani Farida Pulansari Farida Pulansari Fery Efendi, Junaidi Firdiana, Rizka Farah Hidayah, Nadiyah Rizqa Hidayah, Shesfi Nur Holy Ichda Wahyuni Hozaini, Imron Ichda Wahyuni, Holy Idham Choliq Iskandar Ritonga Iswandi, Galih Utama Junaidi Fery Efendi Krisdianto Sugiyanto Latifah, Luluk Latifah Luluk Latifah M Febriyanto Firman Wijaya M. Febrianto Wijaya Ma'ruf Sya'ban Moh. Yusron Muhammad Lathoif Ghozali Nadid, Erdin Nanda Pratiwi, Danisa Phatriakalista Intan Apsari Ratih Puspitaningrum Rismawati Rismawati Salman Al Farisi Salman Al Farisi, Salman Salsabilla, Salma Nadia Saputra, Fathi Fathurrahman Sembiring, Rinawati Setiyowati, Arin Setiyowati, Arin Shesfi Nur Hidayah Solly Aryza Sukadiono, Sukadiono Sya'roni, Mohammad Syadqomullah, Dikky Thoat Stiawan Wijaya, M. Febrianto