Article Per Year (5 Year)
p-Index From 2021 - 2026
2.986
P-Index
This Author published in this journals
All Journal Dinar: Jurnal Ekonomi dan Keuangan Islam Islamic Economics Quotient An-Nisbah : Jurnal Perbankan Syariah Journal of Indonesian Sharia Economics Jurnal Pengabdian Masyarakat: BAKTI KITA JIB : Journal Islamic Banking Jurnal Pengabdian Masyarakat Nian Tana ZIJEn: Zabags International Journal of Engagement Shof Journal of Social Impact Journal of Industrial and Syariah Economics Journal of Islamic Finance and Syariah Banking Jurnal of Islamic Economic Studies Journal of Innovation and Contribution to Community Service
Inarotul A’yun
Institut Agama Islam Nahdlatul Ulama Tuban
Religion Agriculture, Biological Sciences & Forestry Humanities Computer Science & IT Decision Sciences, Operations Research & Management Economics, Econometrics & Finance Education Health Professions Industrial & Manufacturing Engineering Languange, Linguistic, Communication & Media Law, Crime, Criminology & Criminal Justice Social Sciences Other

Published : 19 Documents Claim Missing Document
Claim Missing Document
Check
Articles

Found 19 Documents
Search

 1   2 
Analisis Pengetahuan Masyarakat Tuban dalam Menggunakan Produk KSPPS LHJ Syariah Tuban A'yun, Inarotul
An-Nisbah: Jurnal Perbankan Syariah Vol. 6 No. 1 (2025): An-Nisbah: Jurnal Perbankan Syariah
Publisher : PRODI PERBANKAN SYARIAH INSTITUT AGAMA ISLAM (IAI) SUNAN KALIJOGO MALANG

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.51339/nisbah.v6i1.3408

Abstract

Penelitian ini bertujuan untuk menganalisis pengetahuan masyarakat Tuban mengenai produk Koperasi Simpan Pinjam dan Pembiayaan Syariah (KSPPS) Lohjinawi Hikmah Jasya (LHJ) Syariah serta faktor-faktor yang mempengaruhi pemahaman mereka. Minimnya pengetahuan tentang produk syariah menjadi hambatan dalam minat penggunaan produk tersebut di masyarakat. Koperasi syariah, sebagai lembaga keuangan yang berlandaskan prinsip syariah, memiliki potensi besar dalam meningkatkan kesejahteraan masyarakat. Penelitian ini menggunakan metode kuantitatif dengan pendekatan survei, di mana data dikumpulkan melalui angket yang disebarkan kepada 20 responden. Hasil penelitian menunjukkan bahwa 90% responden mengetahui produk KSPPS, namun hanya 20% yang telah lama menggunakan produk tersebut. Meskipun pengetahuan masyarakat cukup baik, minat untuk menggunakan produk masih rendah, dengan hanya 30% responden yang menyatakan berminat. Hal ini menunjukkan adanya kesenjangan antara pengetahuan dan tindakan, yang mungkin disebabkan oleh kurangnya kepercayaan dan pemahaman mengenai syarat dan ketentuan produk. Penelitian ini merekomendasikan peningkatan sosialisasi dan edukasi mengenai produk keuangan syariah untuk mendorong masyarakat agar lebih percaya dan aktif menggunakan layanan KSPPS. Hasil penelitian diharapkan dapat memberikan kontribusi bagi pengembangan koperasi syariah di Indonesia, khususnya di daerah Tuban
Analisis Pengaruh Pengetahuan Investasi, Modal Minimal, dan Persepsi Risiko terhadap Minat Berinvestasi di Pasar Modal di Desa Bulu Kecamatan Bancar A’yun, Inarotul; Zakiyah, Rochatud; Istiqomah, Widya
Journal of Industrial and Syariah Economics Vol. 2 No. 1 (2024): October
Publisher : Program Studi Ekonomi Syariah STAI Senori Tuban

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.63321/jise.v2i1.45

Abstract

This research aims to analyze the influence of investment knowledge, minimum investment capital, and risk perception on interest in investing in the capital market among the people of Bulu Village, Bancar District. Using the multiple linear regression method, this research found that these three variables did not have a significant effect on investment interest. These results show the need for a more holistic approach to increasing investment interest among the public, including more comprehensive counseling and education. It is hoped that this research can contribute to the development of more effective and relevant investment policies, as well as increase public awareness about the importance of investing. By increasing knowledge and understanding about investment, the people of Bulu Village are expected to be able to take advantage of existing investment opportunities to improve their standard of living and welfare. Apart from that, it is also hoped that the results of this research will become a reference for related parties in designing more effective education and outreach programs so that they can encourage community participation in the capital market and contribute to local economic growth.
Pengaruh Keungulan Produk Tabungan Mudharabah terhadap Kepuasan Nasabah di BSI Cabang Tuban A’yun, Inarotul; Faizah, Rifatin; Fatimah, Siti
Journal of Islamic Finance and Syariah Banking Vol. 1 No. 1 (2023): October
Publisher : Program Studi Perbankan Syariah STAI Senori Tuban

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.63321/jifsb.v1i1.12

Abstract

This journal discusses the advantages of mudharabah savings products on customer satisfaction at the BSI Tuban branch. The purpose of this research is to measure the influence of the superiority of mudharabah savings products at the BSI Tuban branch. This research uses a quantitative type of research. The population of this study were customers from the Tuban branch of BSI bank. The data collection technique in this research is by distributing questionnaires to customers for answers. and the data management technique in this research is to use quantitative data analysis using SPSS. Next, a classic assumption test will be carried out consisting of a normality test and a heteroscedasticity test. Next, use linear regression analysis, and hypothesis testing, t-test, coefficient of determination. The results of this research state that the superiority of mudharabah savings products has a positive effect on customer satisfaction. The research was conducted with 100 respondents from customers or service users of the Bank BSI Tuban branch. Based on data obtained from distributing questionnaires, the T-test results were 1.233 with T table 1.66023, meaning T count < T table, with a significant value of 0.228, it can be concluded that there is a significant influence on customer satisfaction.
Menjelajahi Dinamika Pengambilan Keputusan Keuangan UKM: Pendekatan Kualitatif pada Aspek Kewirausahaan di Desa Glondonggede Tambakboyo A’yun, Inarotul; Rustyawati, Dian; Yuliartin, Fenti
Journal of Islamic Finance and Syariah Banking Vol. 1 No. 2 (2024): April
Publisher : Program Studi Perbankan Syariah STAI Senori Tuban

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.63321/jifsb.v1i2.23

Abstract

This study analyzes the dynamics of financial decision-making in small and medium-sized enterprises (SMEs) using a qualitative approach that focuses on the entrepreneurial aspect in Glondonggede Village, Tambakboyo. SMEs play a vital role in the local economy, but effective and adaptive financial management remains a challenge. The entrepreneurial aspect, encompassing innovative thinking, flexibility, and a willingness to take risks, is increasingly recognized as a crucial factor in the SME financial decision-making process. This research employs a qualitative approach through in-depth interviews and content analysis to explore how entrepreneurial characteristics influence financial decision-making at the local level. The research findings reveal that owners and managers of SMEs in Glondonggede Village have a strong long-term vision related to their business goals. The entrepreneurial aspect provides them with the ability to adapt quickly to changes in the business environment and develop innovative solutions to address financial constraints. SME owners and managers also demonstrate a readiness to take measured risks to achieve long-term business objectives.
Optimalisasi Manajemen Keuangan dalam Menstabilkan Perekonomian Keluarga di Desa Temaji Kecamatan Jenu Istiqomah, Nur Hidayatul; M. Rizky Fauzi; Siswoyo Siswoyo; Inarotul A’yun; Dian Rustyawati; Diana Nur Indah P; Supriyanto Supriyanto; Widya Istiqomah; Ahmad Aryansyah
JPMNT JURNAL PENGABDIAN MASYARAKAT NIAN TANA Vol. 3 No. 2 (2025): April: Jurnal Pengabdian Masyarakat Nian Tana
Publisher : Fakultas Ekonomi & Bisnis, Universitas Nusa Nipa

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.59603/jpmnt.v3i2.721

Abstract

The challenges in family financial management, such as expenditures exceeding income, lack of savings, and reliance on consumer debt, have become major issues for the community of Desa Temaji, Jenu District. This community service program aims to enhance the understanding and skills of families, especially mothers, in financial management to achieve economic stability. The methods used include an initial study, interactive training, and pre- and post-training knowledge evaluation. The results of the training show a significant improvement in participants' ability to create budgets, manage debt, and prioritize needs. The implementation of the financial strategies taught has enabled families to manage their income more wisely, build emergency funds, and reduce dependence on debt. The success of this program demonstrates that a systematic approach focused on local needs can be an effective solution in improving family economic stability.
Analisis Implementasi Akad Murabahah Pada Produk Cicil Emas Di Bank Syariah Indonesia KCP Tuban A'yun, Inarotul; Silvia nur aliyah
An-Nisbah: Jurnal Perbankan Syariah Vol. 6 No. 2 (2025): An-Nisbah: Jurnal Perbankan Syariah
Publisher : PRODI PERBANKAN SYARIAH INSTITUT AGAMA ISLAM (IAI) SUNAN KALIJOGO MALANG

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.51339/nisbah.v6i2.4091

Abstract

Perbankan syariah yang dikenal sebagai Islamic Banking yang beroperasi tanpa bunga dan berlandaskan pada prinsip yang ada di Al-Qur’an dan Al-Hadits. Salah satu produk unggulan dalam perbankan syariah adalah pembiayaan cicil emas menggunakan akad murabahah, yang memudahkan nasabah untuk memiliki emas dengan cara mencicil. Penelitian ini bertujuan untuk menganalisis penerapan akad murabahah pada produk cicil emas di Bank Syariah Indonesia (BSI) KCP Tuban, serta dampaknya terhadap kepuasan nasabah. Metode penelitian yang digunakan merupakan metode kualitatif melalui observasi dengan cara pengumpulan data, studi pustaka, dan wawancara. Hasil pada penelitian menunjukkan bahwa transparansi dalam informasi, komitmen bank, dan kualitas produk berkontribusi signifikan pada kepuasan nasabah. Proses yang jelas dan fleksibilitas dalam cicilan juga meningkatkan rasa aman dan kepuasan nasabah. Namun, tantangan seperti fluktuasi harga emas dan penerapan denda bagi nasabah yang gagal bayar perlu dikelola dengan bijaksana. Secara keseluruhan, penerapan akad murabahah di BSI KCP Tuban menunjukkan potensi besar dalam meningkatkan kepuasan nasabah dan memperkuat kepercayaan terhadap produk keuangan syariah. Penelitian ini merekomendasikan agar BSI KCP Tuban terus berinovasi dan meningkatkan layanan untuk menjaga kepuasan nasabah yang berkelanjutan.
Investasi Emas Digital di Indonesia; Tinjauan Sistemik Maqashid Syariah A'yun, Inarotul
JIOSE: Journal of Indonesian Sharia Economics Vol 4 No 2 (2025): September 2025
Publisher : Fakultas Syariah dan Ekonomi Islam Institut Pesantren Mathali'ul Falah

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.35878/jiose.v4i2.1828

Abstract

This study aims to analyze the alignment of digital gold investment practices in Indonesia with Jasser Auda’s systemic Maqashid Shariah framework. It explores a conceptual shift from the classical five dharuriyyat (religion, life, intellect, lineage, and property) toward broader contemporary dimensions such as the Islamic civil society system (hifz an-nas), preservation of dignity (hifz al-‘ird), and sustainable human development. Using a descriptive qualitative approach that integrates normative and empirical analysis, the study finds that digital gold investment functions not only as a means of wealth preservation (hifzh al-mal) but also as a vehicle for advancing universal Islamic values, including economic justice, transparency, consumer protection, and community empowerment. While Sharia-compliant contracts particularly wakalah bil ujrah and murabahah commonly adhere to the principles of fiqh muamalah and support the realization of maqashid, persistent challenges include limited transparency in contract mechanisms, speculative risks arising from high price volatility, and wide bid-ask spreads that may introduce gharar. The study concludes by emphasizing the need for stronger collaboration between regulatory institutions such as OJK and DSN-MUI and enhanced public education to ensure that Islamic fintech develops in an inclusive, equitable, and ethically grounded manner, aligned with the Islamic imperatives of justice, sustainability, and communal prosperity.
Pemberdayaan Ibu-Ibu PKK melalui Pelatihan Membatik Taplak Meja Berbasis Kearifan Lokal di Kecamatan Merakurak A'yun, Inarotul; Istiqomah, Nur Hidayatul; Ni’mah Mz, Siti Ulin; Maghfiroh, Syahrotul
Journal of Innovation and Contribution to Community Service Vol. 1 No. 2 (2025): July
Publisher : STAI Senori Tuban

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.63321/jiccs.v1i2.107

Abstract

This research aims to empower women from the Family Welfare Movement (PKK) in Merakurak District through training in batik tablecloths based on local wisdom. This activity is designed not only to improve technical batik skills but also to encourage social, economic, and cultural transformation among village women. The method used is qualitative research with a Participatory Action Research (PAR) approach, which positions participants as active subjects throughout the training process, from needs identification and implementation to evaluation and follow-up. The results demonstrate that this training effectively enhanced participant engagement, creativity, and self-confidence. Furthermore, the integration of local motifs into batik works helps strengthen cultural identity and provides added economic value. This training also opens up opportunities for the formation of joint business groups and digital marketing, making it a sustainable model of community-based women's empowerment worthy of replication in other areas
Local Economic Transformation through International Collaboration: Optimizing the Creative Economic Potential of Edelweiss Flowers Based on Sharia Principles Ismawati; Hanim Misbah; Nuur Halimatus Saadiah Masrukhin; Atina Hidayati; Mitra Sami Gultom; Dewi Maharani; Inarotul A'yun; Andi Bahri S; Hastin Tri Utami; Puspita; Alip Toto Handoko
Journal of Islamic Economic Studies Vol. 1 No. 4 (2025): December 2025
Publisher : Yayasan Darussalam Patalassang

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

Abstract

This Community Service Program (PKM) aims to support local economic transformation among the Tengger Tribe by optimizing creative economic potential based on the edelweiss flower through a sharia-based framework and international collaboration between Indonesian universities that are members of APSKPS and Malaysian universities. A participatory approach was applied through observation, interviews, focus group discussions, documentation, and direct educational mentoring for local micro‐entrepreneurs. The findings reveal improved Islamic financial literacy, enhanced portable digital marketing capacity, and strengthened ecological awareness regarding the conservation of edelweiss as a culturally valuable yet environmentally sensitive species. Collaboration with USIM, UiTM, and UKM enabled cross-country knowledge transfer that enriched empowerment strategies and broadened the community’s orientation toward sustainable creative economy development. This program integrates Islamic spiritual-ecological values, environmental preservation, and digital innovation into a single framework rooted in maqashid shariah. The results indicate that economic utilization of edelweiss does not require harvesting from natural habitats, but can be developed through non-destructive derivative products and creative digital content grounded in local culture. This model serves as an example of inclusive, sustainable, and socially just community empowerment.
Co-Authors Ach Sani Supriyanto Agustin Agustin Ahmad Aryansyah Ainur Rofiq Alip Toto Handoko Aliyah, Silvia Nur Aminuddin, Muhammad Yusuf Andi Bahri S Atina Hidayati Dewi Maharani Dian Rustyawati Diana Nur Indah P Dwi Aprilia Putri, Silvia Faizah, Rifatin Fitriana Fitriana Hafidhotul Mufidhoh Hanim Misbah Hastin Tri Utami Husniyah, Latifatul Irfandi Irfandi, Irfandi Irma Rosyidah Ismawati Istiqomah, Widya M. Rizky Fauzi M. Yusuf Aminuddin Maghfiroh, Syahrotul Mitra Sami Gultom Muhammad Yusuf Aminuddin Nikmah, Jumiatun Ni’mah Mz, Siti Ulin Nur Hidayatul Istiqomah Nurlaili Nurlaili NURUL ISTIFADHOH Nuur Halimatus Saadiah Masrukhin Puspita Salim Al Idrus Silvia nur aliyah Siswoyo Siswoyo Siti Fatimah Siti Halimus Sunnah Supriyanto Supriyanto Widya Istiqomah Yuliartin, Fenti Zakiyah, Rochatud