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All Journal International Journal of Economics, Business and Accounting Research (IJEBAR) Al-tsaman : Jurnal Ekonomi dan Keuangan Islam Ekonomica Sharia: Jurnal Pemikiran dan Pengembangan Ekonomi Syariah AKM: Aksi Kepada Masyarakat Jurnal Impresi Indonesia JIEPS: Jurnal Ilmiah Ekonomi Islam dan Perbankan Syariah Fakultas Agama Islam Universitas Muhammadiyah Aceh Journal of Islamic Economics Lariba ITQAN: Jurnal Ilmu-ilmu Kependidikan IIJSE PEDAMAS (Pengabdian Kepada Masyarakat) FENOMENA: Journal of Social Science The Eastasouth Journal of Social Science and Humanities Mozaic: Islamic Studies Journal Journal of Islamic Economy
Masrohatin, Siti
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Religion Humanities Decision Sciences, Operations Research & Management Economics, Econometrics & Finance Education Energy Engineering Health Professions Languange, Linguistic, Communication & Media Law, Crime, Criminology & Criminal Justice Mathematics Social Sciences Other

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Transformasi Digital Branch dalam Upaya Peningkatan Layanan di Era Society 5.0 pada Bank Mandiri Jemberpada Bank Mandiri Jember Ananda, Hafiz Wahyu; Masrohatin, Siti; Amalia, Rizca Laila; Aini, Lynda Qurotul
Jurnal Ekonomi & Perbankan Syariah Vol 3, No 1 (2023): 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.v3i1.1761

Abstract

Transformasi digital pada industri perbankan lebih dari sekedar menyediakan layanan online dan mobile banking. Digital branch sebagai salah satu bentuk digitalisasi perbankan hadir sebagai strategi layanan terbaru yang memudahkan masyarakat untuk dapat menikmati layanan perbankan secara lebih cepat, mudah, dan aman. Konsep digital branch menggabungkan antara layanan konvensional dan layanan digital, yang dilakukan dalam memenuhi kebutuhan nasabah yang kompleks dan beragam terutama di Era Society 5.0. Dalam menghadapi perubahan ini, perbankan harus memperhatikan perkembangan teknologi dan tuntutan masyarakat, serta dampak sosial dan lingkungan yang ditimbulkan dari sistem yang telah dibuat untuk mengembangkan strategi dan produk yang tepat dan relevan dengan kebutuhan nasabah. Penelitian ini merupakan penelitian kualitatif dengan metode pengambilan informasi melalui wawancara dengan narasumber, buku, tinjauan pustaka, literatur, penelitian terdahulu, website atau artikel yang relevan dengan isu yang sedang dikaji. Penelitian ini bertujuan memaparkan transformasi bank konvensional menjadi digital branch sehingga memunculkan strategi dan upaya baru bank untuk meningkatkan layanan nasabah terutama pada perubahan industri era Society 5.0. Hasil penelitian menunjukkan bahwa transformasi bank konvensional menjadi digital branch dapat memberikan kemudahan dan keamanan layanan bagi nasabah dalam melakukan aktivitas perbankan, sehingga hal ini akan meningkatkan kepuasan nasabah dan kualitas layanan perbankan, serta memunculkan kepercayaan nasabah pada sektor perbankan tersebut.
Pemanfaatan Sistem Informasi Manajemen pada Manajemen Hubungan Sekolah dengan Masyarakat di Jember: Utilization of Management Information Systems in School-Public Relationship Management in Jember Masrohatin, Siti
Fenomena Vol 11 No 1 (2012): FENOMENA: Journal of the Social Sciences
Publisher : LP2M UIN KH.Achmad Siddiq Jember

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.35719/fenomena.v11i1.514

Abstract

This descriptive qualitative research has three research focuses, including: (1) the school's background in managing the school website at SMAN 4 Jember, (2) the steps in using the school website as a public relations tool at SMAN 4 Jember, and (3) the management of the MIS (Management Information System) administrator in supporting the school's public relations function at SMAN 4 Jember. This study yields three main findings. The research employs a multi-case study analysis, where the researcher first analyzes individual cases and then conducts a cross-case analysis. The analysis technique uses an interactive model. Penelitian deskriptif kualitatif ini memiliki tiga fokus penelitian, yaitu: (1) latar belakang sekolah dalam mengelola website di SMAN 4 Jember, (2) langkah-langkah pemanfaatan website sekolah sebagai sarana hubungan masyarakat di SMAN 4 Jember, dan (3) manajemen administrator SIM dalam mendukung fungsi hubungan masyarakat sekolah di SMAN 4 Jember. Hasil penelitian ini menghasilkan tiga temuan utama. Penelitian ini menggunakan analisis studi multikasus, di mana peneliti menganalisis kasus individu terlebih dahulu, kemudian melakukan analisis lintas kasus. Teknik analisis yang digunakan adalah model analisis interaktif.
Peranan Koperasi Pondok Pesantren An-Nuur dalam Memberdayakan Ekonomi Masyarakat Desa Wonosobo Kecamatan Srono – Banyuwangi: The Role of An-Nuur Islamic Boarding School Cooperative in Empowering the Economy of Wonosobo Village Community, Srono District – Banyuwangi Masrohatin, Siti
Fenomena Vol 12 No 2 (2013): FENOMENA: Journal of the Social Sciences
Publisher : LP2M UIN KH.Achmad Siddiq Jember

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.35719/fenomena.v12i2.540

Abstract

This research discusses the role of Kopontren (Islamic boarding school cooperative) in community economic empowerment programs through loans and savings for community stores/minimarkets, as well as utilizing a cyber café for the surrounding community. The goal is to achieve welfare for both the community and Kopontren, where Kopontren plays a strategic role in enhancing business as a member of Islamic cooperation and managing savings from bank capital effectively. However, some community members believe that Wonosobo Kopontren has yet to provide optimal services and business support for residents. This research employs a case study approach at Kopontren An-Nuur Wonosobo, using actual data from interview techniques and direct observation. Additionally, library references are used as research material. The findings indicate that the success of Kopontren An-Nuur's loan and savings program offers a solution to develop businesses run by community members, empowering Wonosobo villagers to become partners of Kopontren An-Nuur. Thus, a Kopontren business model emerges through improved loan and savings programs to enhance services, cyber café operations, and distribution to minimarkets, which is expected to inspire stakeholders and cooperatives (Kopontren) in the field. Dalam penelitian ini, Kopontren membahas peran Kopontren dalam program pemberdayaan ekonomi masyarakat melalui pinjaman dan tabungan untuk toko/minimarket masyarakat, serta penggunaan warnet untuk masyarakat sekitar pesantren. Tujuannya adalah mencapai kesejahteraan masyarakat dan Kopontren, di mana Kopontren memiliki peran strategis dalam meningkatkan usaha sebagai anggota kerja sama Islami dan pengelolaan tabungan yang baik dari modal bank. Namun, terdapat sebagian masyarakat yang berpendapat bahwa Kopontren Wonosobo belum mampu memberikan pelayanan dan layanan usaha yang maksimal bagi warga. Penelitian ini menggunakan studi kasus di Kopontren An-Nuur Wonosobo dengan data aktual melalui teknik wawancara dan observasi langsung. Selain itu, digunakan juga referensi kepustakaan sebagai bahan penelitian. Hasilnya menunjukkan bahwa keberhasilan usaha Kopontren An-Nuur dalam program pinjaman dan tabungan dapat memberikan solusi untuk mengembangkan usaha yang dijalankan anggota masyarakat, sehingga mampu memberdayakan warga Desa Wonosobo menjadi mitra Kopontren An-Nuur. Oleh karena itu, muncul model program usaha Kopontren melalui peningkatan pinjaman dan tabungan untuk memperbaiki layanan, warnet, serta distribusi ke minimarket, yang diharapkan dapat menjadi inspirasi bagi pihak terkait dan koperasi (Kopontren) di lapangan.
Gaya Kepemimpinan Dalam Meningkatkan Kinerja Karyawan Pada PT. Bank Mandiri (Persero) Micro Banking Cluster Jember masrohatin, siti; Isabella, Al Fitri Ummi; Salsabilla, Yasmin huronia
Al-tsaman : Jurnal Ekonomi dan Keuangan Islam Vol 5 No 01 (2023): Mei
Publisher : INAIFAS Press

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.62097/al-tsaman.v5i01.1286

Abstract

Leadership style is the norm of behavior used by a person when he tries to influence the behavior of others. The leadership style will be suitable if the company's goals have been communicated and employees have accepted them. A leader must apply a leadership style to manage employees because it will greatly affect the success of the organization in achieving its goals. Leaders should listen to ideas from employees before making decisions. The appropriate leadership style will motivate a person to achieve. Success or failure in employee performance can be influenced by the manager's leadership style. This study aims to describe the leadership style in improving employee performance at PT Bank Mandiri (Persero) Micro Banking Cluster Jember 1. This study uses the observation method, namely going directly to Bank Mandiri micro banking cluster Jember 1 to obtain accurate information. Data collection techniques using data triangulation, namely observation, interviews and documentation. The purpose of this study was to determine how the leadership style in improving employee performance at PT Bank Mandiri (Persero) Micro Banking Cluster Jember
The Influence of Brand Image, and Sharia Label on Savings Decisions of Customers at PT Bank Syariah Indonesia Tbk KCP Jember Gajah Mada Arlian, Ludita Cosa; Masrohatin, Siti; Setianingrum, Nurul; Qoriani, Hersa Farida; Chotib, Moch.
Jurnal Impresi Indonesia Vol. 3 No. 10 (2024): Jurnal Impresi Indonesia
Publisher : Riviera Publishing

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.58344/jii.v3i10.5646

Abstract

This study aims to analyze the effect of brand image and sharia label on saving decisions on customers of PT Bank Syariah Indonesia Tbk KCP Jember Gajah Mada. Bank Syariah Indonesia is one of the largest Islamic financial institutions in Indonesia that provides banking products and services according to sharia principles. Factors such as brand image and the existe    nce of sharia labels are considered to have an important role in influencing customer decisions to save at Islamic banks. The research method used is quantitative with data collection techniques through questionnaires distributed to Bank Syariah Indonesia customers at KCP Jember Gajah Mada. The data obtained were analyzed using multiple linear regression to determine the effect of each independent variable on saving decisions. The results showed that brand image, and sharia label simultaneously and partially had a significant effect on customer saving decisions. Brand image has a positive and significant effect, which shows that the positive image of Islamic banks can increase customer interest in saving. In addition, the sharia label, which shows compliance with sharia principles, also makes a significant contribution in influencing customer decisions. In conclusion, brand image, and sharia label are important factors that influence customer decisions in saving at Bank Syariah Indonesia. Therefore, the bank is expected to continue to strengthen the brand image, provide education about sharia products, and maintain the integrity of the sharia label to increase customer loyalty and trust.
Liberation Theology and Gender (Asghar Ali Engineer's Thoughts) Maulidiy, Fahmidiya Khilda; Masrohatin, Siti; Fathiyaturrahmah, Fathiyaturrahmah
Indonesian Interdisciplinary Journal of Sharia Economics (IIJSE) Vol 7 No 1 (2024): Sharia Economics
Publisher : Sharia Economics Department Universitas KH. Abdul Chalim, Mojokerto

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.31538/iijse.v7i1.4650

Abstract

Asghar Ali Engineer (1939-2013) was a theologian and feminist from India. Born into an elite religious environment, he then experienced dirty exploitation in the name of religion which made him study the nature of religious law. He collaborated between Islamic literature and Western literature to discover the essence of Sharia. This article will discuss his popular thoughts on liberation theology and gender and Asghar Ali's efforts in reinterpreting the Koran. The research method used in this study is qualitative research, a type of library research. The research data source uses books written by Asghar Ali and several studies that are relevant to the research focus. Based on the research results, in interpreting the Qur'an Asghar Ali used three methods. One way is to differentiate the normative and contextual aspects of a verse to understand the historical aspects when the Qur'an. Another side discussed by Asghar Ali is gender, for him, gender equality and gender justice are closely related. The realization of justice and gender equality is realized by the absence of discrimination between men and women, as well as the opportunity to participate in all aspects of life. This cannot be separated from the situation in India where he lives, where there is inequality and injustice between men and women. The research results concluded that it is necessary to reinterpret the interpretation of the Qur'an so that the theological views regarding the Qur'an Salihun Li Kulli Zaman Wa Makan can still be applied in life while still prioritizing human values.
Paradigma Holistik Bimbingan Konseling Islam: Integrasi Dimensi Spiritual, Psikologis, dan Sosial dalam Kerangka Tauhid Kunzita Lazuardi; Mursalim, Mursalim; Masrohatin, Siti
Itqan: Jurnal Ilmu-ilmu Kependidikan Vol. 16 No. 2 (2025): ITQAN: Jurnal Ilmu-ilmu Kependidikan
Publisher : Fakultas Tarbiyah dan Ilmu Keguruan (FTIK) IAIN Lhokseumawe

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.47766/itqan.v16i2.6722

Abstract

Islamic Guidance and Counseling (IGC) is often understood as the integration of religious values into conventional psychological practice. Such an approach tends to position spirituality as a complementary element rather than as a paradigmatic framework. This article aims to formulate a holistic paradigm of Islamic Guidance and Counseling that views human beings as an integrated unity of spiritual, psychological, and social dimensions within the framework of tawhid. This study employs a qualitative approach through library research. Data were drawn from primary sources, including the Qur’an, Hadith, and classical Islamic scholarship by figures such as Al-Ghazali and Ibn Qayyim al-Jawziyyah, as well as secondary sources consisting of nationally and internationally reputable journal articles in the fields of Islamic psychology and counseling published within the last 10–15 years. Data analysis was conducted using qualitative content analysis and textual–comparative analysis to generate a conceptual synthesis. The findings indicate that the holistic paradigm of Islamic Guidance and Counseling is structured around three core dimensions: spiritual, psychological, and social. The spiritual dimension serves as the foundational axis through the concepts of ruh, qalb, and nafs, with worship practices, aqidah, and akhlaq functioning as mechanisms of counseling intervention. The psychological dimension integrates modern psychological theories critically within an Islamic epistemological framework, positioning tawhid as a unifying metatheory. Meanwhile, the social dimension emphasizes the role of Islamic community support as an active component in the processes of healing and personal development. These findings affirm that Islamic Guidance and Counseling is not merely a religious adaptation of Western psychology, but rather a coherent scientific paradigm grounded in a comprehensive ontological and epistemological foundation. The resulting conceptual model illustrates the dynamic interrelationship among these dimensions in fostering the holistic well-being of Muslim individuals.
INTEGRATION OF LOCAL WISDOM AND INFORMATION TECHNOLOGY IN THE CIRCULAR ECONOMY IN THE ERA OF CLIMATE CRISIS AT THE ISLAMIC BOARDING SCHOOL IN JEMBER Masrohatin, Siti; Puji, Rini
International Journal of Economics, Business and Accounting Research (IJEBAR) Vol 10 No specialissue (2026): Vol. 10, Special Issue, 2026
Publisher : LPPM ITB AAS INDONESIA (d.h STIE AAS Surakarta)

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.29040/ijebar.v10ispecialissue.19442

Abstract

This study examines the implementation of circular economy principles at the microeconomic level through the integration of local wisdom and digital technology at Pondok Pesantren Jalaludin Ar-Rumi, Jenggawah. Using a qualitative phenomenological approach, data were collected through observation, interviews, and documentation. The study explores local wisdom–based practices aligned with the 3R strategy (reduce, reuse, recycle) and analyzes the role of YouTube as a medium for environmental education and documentation. The findings show that integrating circular economy practices, local wisdom, and digital technology effectively enhances sustainable resource management, resulting in a 70% reduction in organic waste, increased environmental awareness, and wider dissemination of environmental education. The circular economy is positioned as a pathway toward a low-carbon, resource-efficient, and socially inclusive economy that remains consistent with Islamic sharia principles. Keywords : Circular Economy, Local Wisdom, Information Technology
The Digital Paradox: Doom Spending, Algorithmic Exploitation, and the Imperative for a Maqāṣid al-Sharīʿah Framework in the Digital Ningrum, Uke Cahya; Masruroh, Nikmatul; Masrohatin, Siti
The Eastasouth Journal of Social Science and Humanities Vol. 3 No. 02 (2026): The Eastasouth Journal of Social Science and Humanities (ESSSH)
Publisher : Eastasouth Institute

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.58812/esssh.v3i02.808

Abstract

The accelerating digitalization of global economic activity has created a complex ethical landscape, presenting simultaneous challenges in consumer behavior and labor welfare. This article addresses two distinct yet interlinked crises emerging within this digital sphere: doom spending, defined as impulsive, stress-induced consumption resulting in financial and psychological distress, and gig worker precarity, characterized by job insecurity, income volatility, and potentially exploitative algorithmic control within platform economies. Existing scholarship often analyzes these issues separately, utilizing either psychological or secular economic frameworks. This research bridges this gap by employing the holistic ethical framework of Maqāṣid al-Sharīʿah (the objectives of Islamic law) to provide a unified analysis. This framework mandates the protection of five core necessities (al-kulliyyāt al-khams): religion (dīn), life/self (nafs), intellect (‘aql), lineage/dignity (nasl/’ird), and property/wealth (māl). Findings synthesized from psychological, economic, and Islamic ethics literature demonstrate that doom spending inherently violates ḥifẓ al-māl through extravagance (isrāf/tabdhīr) and ḥifẓ al-nafs by exacerbating mental distress. Simultaneously, algorithmic management in the gig economy conflicts with Maqāṣid principles by undermining worker dignity (ḥifẓ al-‘ird), threatening safety (ḥifẓ al-nafs) through high-risk incentives, and denying fair, transparent compensation (ḥifẓ al-māl). The study proposes that a Maqāṣid-informed governance model is essential for regulating the digital economy. Recommended interventions include promoting faith-informed virtues like moderation (wasatiyyah) and contentment (qana’ah) to combat consumerism, and implementing Sharia-compliant social protection instruments (e.g., specialized takaful schemes) and algorithmic transparency mechanisms to safeguard gig worker financial stability and ethical dignity. Ultimately, the integration of Maqāṣid al-Sharīʿah offers a rigorous ethical compass, ensuring that digital economic activity promotes genuine well-being (al-falāḥ) and comprehensive social justice.
Co-Authors Abdul Rokhim Ahmadiono Ahmadiono Aini, Lynda Qurotul Al-MasduQi, Himayatu Syarafatil Furqon Amalia, Radella Amalia, Rizca Laila Ananda, Hafiz Wahyu Anggitaningsih, Retna Arlian, Ludita Cosa Chotib, Moch. El Mazir, Wildan Elhady, Aminullah Fathiyaturrahmah Hasanah, Hikmatul Hasanah, Siti Nur Hafifatul Isabella, Al Fitri Ummi Jannah, Firdiyatul Khuluqi, Muhammad Adil Kunzita Lazuardi Masruroh, Nikmatul Maulidi, Ahmad Wasil Maulidiy, Fahmidiya Khilda Mohammad Rizal, Mohammad Mukarromah, Inayatul Mursalim Mursalim Musaidah, Ahlam Ningrum, Uke Cahya Puji, Rini Qoriani, Hersa Farida Saihan, Saihan Salsabilla, Yasmin huronia Setianingrum, Nurul