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Analisis Strategi Penghimpunan Dana Dalam Produk Deposito Mudharabah Pada KCP Bank Syariah Indonesia Sumberrejo Bojonegoro Aris Zulianto; Novia Rohmatullaili; Vina Lutfiatul Maula
ADILLA : Jurnal Ilmiah Ekonomi Syari'ah Vol 5 No 1 (2022): Januari
Publisher : Universitas Islam Darul 'ulum Lamongan

Dengan adanya perkembangan Bank Syariah yang begitu pesat di Indonesia, ternyata perkembangan tersebut tidak dibarengi dengan wawasan syariah yang dimiliki oleh masyarakat. Hal tersebut menyebabkan terjadinya kesenjangan yang membuat tidak banyak masyarakat yang memahami produk dan sistem yang diterapkan oleh Bank Syariah. Padahal, sebagian besar penduduk Indonesia adalah orang Islam yang seharusnya mengetahui dan memahami secara luas tentang produk dan jasa dalam perbankan syariah. Hal tersebut dilakukan dan dimaksudkan agar pemenuhan kebutuhan perekonomian masyarakat tidak seenaknya saja, tetapi berdasarkan pada prinsip syariah. Dalam operasionalnya, Perbankan Syariah menerapkan beberapa produk dengan berbagai macam akad. Produk operasional Perbankan Syariah, di antaranya adalah produk jasa, produk penyaluran dana dan produk penghimpunan dana. Penerapan dan sistem penghimpunan dana Bank Syariah dengan konvensional sangatlah berbeda karena Perbankan Syariah sendiri mempunyai akad syariah, salah satunya yaitu produk deposito mudharabah. Produk pengumpulan dana yang digunakan oleh Bank Syariah Indonesia (BSI) Kantor Cabang Pembantu (KCP) Sumberrejo adalah menggunakan Deposito Mudharabah. Akad mudharabah yang dipilih adalah mudharabah muthlaqoh, sehingga Bank Syariah mendapatkan kebebasan untuk mengelola dana tersebut.

Penerapan Manajemen Risiko Kredit Dan Likuiditas Dalam Memberikan Pinjaman Dan Pembiayaan Kepada Anggota (Studi Pada BMT Nashrul Umam Balen) Aris Zulianto; Nimas Dewi Lestari
Al-Muraqabah: Journal of Management and Sharia Business Vol. 2 No. 1 (2022): Al-Muraqabah: Journal of Management and Sharia Business
Publisher : Sharia Business Management Study Program, Faculty of Economics and Islamic Business at IAIN Kediri

Based on the regulation of the Financial Services Authority (OJK) regarding the implementation of risk management in Islamic microfinance institutions, including the management of credit risk and liquidity risk. Credit risk (financing risk) is a risk that occurs due to the inability of the borrower and/or others to pay dependents to financial institutions. Whereas Liquidity risk is the risk that occurs as a result of NBFI liquidity management (Non-Bank Financial Services Institution) which failed. The purpose of this research is to know the application of risk management in providing financing to members. In this research, the author used a qualitative approach with a descriptive method and type of case study research on the object. With this methodology, the author describes the application of management credit and liquidity, methods of financing decisions, and integration of risk management in financing. The research results obtained are: (1) The application of risk management is to reduce financing so that NPL (Non-Performing Loan) financial institutions remain below standard; (2) In making financing decisions, the marketing department is required to: observe the main principle, namely 5C which relates to the overall state from prospective members, including character (character), capital (capital), capacity (ability), collateral (guarantee), and condition of the economy (state of the economy); (3) In the implementation of day-to-day operations of risk management integration credit and liquidity are indispensable in providing loans and financing to members. This is due to integration in implementation risk management for credit and liquidity risk can have implications for the liquidity position of BMT.

Pelatihan Digital Marketing Dalam Meningkatkan Omset Pedagang Tradisional Hulaikah, Mifta; Zulianto, Aris; Mufidah, Eryul; Farikha, Naela
Al-Madani: Jurnal Pengabdian Pada MAsyarakat Vol 2 No 1 (2023): JUNI: Al-Madani (Jurnal Pengabdian Pada Masyarakat)
Publisher : Institut Agama Islam Hamzanwadi NW Pancor

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.37216/al-madani.v2i1.954

Perekonomian menjadi salah satu sektor yang terdampak akibat pandemi Covid-19. Sektor perekonomian menunjukkan penurunan yang signifikan selama pandemi sehingga membutuhkan waktu cukup lama untuk bisa kembali stabil. Hal ini juga dialami oleh pelaku usaha khususnya para pedagang yang ada di desa Simorejo-Kabupaten Bojonegoro. Hal tersebut diakibatkan oleh kurangnya wawasan mereka tentang pemasaran online atau lebih dikenal dengan digital marketing, sehingga mereka hanya mengandalkan penjualan secara offline. Dari permasalahan tersebut penelitian kami bertujuan memberikan penyuluhan dan pembinaan kepada pedagang di Simorejo tentang pentingnya digital marketing untuk meningkatkan penjualan mereka. Dalam penelitian ini kami menggunakan metode penelitian kualitatif dengan teknik observasi dan wawancara kepada pedagang di Simorejo. Permasalahan yang menjadi fokus kami yaitu memberikan edukasi kepada masyarakat yang belum mengenal digital marketing dengan cara membuatkan akun sosial media dan pembinaan dalam mengelola akun sosial media. Dari hasil edukasi dan pembinaan tersebut terlihat bahwa para pedagang sangat antusias dalam menggunakan sosial media sebagai media promosi produk yang mereka jual. Dari keseluruhan program yang kami laksanakan dapat ditarik kesimpulan bahwa dengan mengenalkan masyarakat khususnya para pedagang kepada media digital marketing dan menerapkannya dalam penjualan produknya ternyata menunjukkan hasil yang efektif. Hal ini dibuktikan bahwa setelah melakukan penjualan dengan digital marketing bisa meningkatkan omset pedagang yang sebelumnya mengalami penurunan selama pandemic.

Pelatihan Design Graph Mobile: Upaya Peningkatan Kreativitas Siswa dalam Pembelajaran Di Masa Pandemi Hulaikah, Mifta; Zulianto, Aris; Syaifudin, Ahmat Arif
Dinamis: Jurnal Pengabdian Kepada Masyarakat Vol. 1 No. 1 (2021): Juni 2021
Publisher : Universitas Hasyim Asy'ari Tebuireng Jombang

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.33752/dinamis.v1i1.5842

The pandemic changed the student learning process at the basic education level, from face-toface and turned into an online system. It has resulted in one aspect of student skills, namely creativity, being not optimal developed. The mobile graphic design training program, use the pixel lab application, provides a stimulus for students to hone creativity through making designs that will be needed in doing school assignments. The method of this program is divided into three stages, situation analysis, needing analysis, and implementation. The training was attended by 30 students from MI Jatigede – Bojonegoro. The training is divided into three sessions: introduction the applications, guided practice, and self-paced assignments.

Membangun Karakter Generasi Emas 2045 melalui Pendidikan Islam di MI Darul Huda Gedongarum Khusna Farikhatin, Fauziatul; Inayati, Ummi; Agustina, Lina; Ikhsan, Khosip; Azis, Mohamad Abdul; Zulianto, Aris; Mufidah, Eryul
TARBAWIYAT Vol 4 No 01 (2025): Tarbawiyat: Jurnal Kependidikan
Publisher : Prodi PGMI STAI Al-Akbar Surabaya

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.62589/t.v4i01.356

Indonesia aspires to became a more dignified nation by 2045, known as “Indonesia Emas”. This is rooted in Islamic Education, which is crucial for building the character of the current generation, particularly at MI Darul Huda Gedungarum. The current moral decadence and the lack of Islamic education have eroded the character of the current generation. This study aims to describe how building the character of golden generation 2045 trough Islamic education at the MI Darul Huda Gedongarum who have strong characters, noble morals, and are competitive. The background of moral decadence in today's era and also the lack of Islamic education obtained has eroded the character of the current generation of the nation. The method used is a descriptive qualitative research method. Data were obtained from observations, interview optimally with the teachers, principal, books, articles, academic journals, and appropriate research results. The results of the study show that Islamic education very influential in shaping the character of golden generation of 2045 trought the religious values taught. However, the development of technology today is a challenge in it self because it greatly affects the character of the current generation. The current generation, which is expected to become the golden generation of 2045, must of course have good character. Therefore, it is very necessary todevelop the quality of Islamic education to help strengthen the character of the current generation.

Upaya Menumbuhkan Cinta dan Toleransi Melalui Integrasi Kearifan Lokal dalam Ekonomi Islam Syaifudin, Ahmat Arif; Zulianto, Aris; Aufani, Lukman
Proceedings of Annual Conference for Muslim Scholars Vol 9 No 1 (2025): AnCoMS, Oktober 2025
Publisher : Koordinatorat Perguruan Tinggi Keagamaan Islam Swasta Wilayah IV Surabaya

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.36835/ancoms.v9i1.761

This study aims to analyze efforts to foster love and tolerance through the integration of local wisdom in Islamic economic practices within the BMT Bintang 9 Forum in Bojonegoro. Using a descriptive qualitative approach, the research explores the social, spiritual, and cultural values that shape collaboration among Islamic financial institutions at the community level. The results show that the BMT Bintang 9 Forum functions not only as a coordination platform but also as a space for spiritual development and institutional strengthening based on the values of ukhuwah (brotherhood), mahabbah (love), and tasamuh (tolerance). Local wisdom such as guyub rukun (harmony), tepo seliro (empathy), and gotong royong (mutual cooperation) is integrated with the principles of maqashid sharia to create social harmony and economic productivity. The forum strengthens social capital, professionalism, and inter-BMT networks. Theoretically, this study expands the concept of Islamic economics grounded in local culture and spirituality as an inclusive, just, and sustainable Islamic economic model

PEMBERDAYAAN KOMUNITAS BANK SAMPAH DI BOJONEGORO MELALUI PELATIHAN PEMBUATAN ECOBRICK Nila Dwi Susanti; Eryul Mufidah; Aris Zulianto
As-Sidanah Vol 5 No 2 (2023): OKTOBER
Publisher : LP2M Universitas Ibrahimy

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.35316/assidanah.v5i2.458-478

The formulation of the problem taken by researchers in this community service activity is how to provide knowledge and insight about plastic waste processing to the community by empowering the Bojonegoro waste bank community, and how to make ecobricks and develop creative products to reduce non-organic waste in the waste bank community. In Bojonegoro? This community service uses the (ABCD) asset-based community development method, which utilizes used goods and trash that are around that are owned by villagers and then used as material that empowers the waste bank community in Bojonegoro. In the (ABCD) method, asset-based community development has several steps in its implementation and for conducting research, namely discovery, dream, design, define and destiny. Based on the results of community service, it can be concluded as follows: How to make ecobricks using plastic waste by collecting the waste, then cutting it. After that, the bottles are filled with plastic until they are solid and then stacked into bricks. Apart from that, ecobricks can be educational tools such as educational game tools (APE) from ecobricks, and puzzle learning media from ecobricks.

Membangun Karakter Generasi Emas 2045 melalui Pendidikan Islam di MI Darul Huda Gedongarum Farik, Fauziatul Khusna; Inayati, Ummi; Agustina, Lina; Ikhsan, Khosip; Azis, Mohamad Abdul; Zulianto, Aris; Mufidah, Eryul
TARBAWIYAT Vol 4 No 1 (2025): Juni
Publisher : Prodi PGMI STAI Al-Akbar Surabaya

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.62589/tarbawiyat.v4i1.297

Indonesia aspires to became a more dignified nation by 2045, known as â€œIndonesia Emasâ€. This is rooted in Islamic Education, which is crucial for building the character of the current generation, particularly at MI Darul Huda Gedungarum. The current moral decadence and the lack of Islamic education have eroded the character of the current generation. This study aims to describe how building the character of golden generation 2045 trough Islamic education at the MI Darul Huda Gedongarum who have strong characters, noble morals, and are competitive. The background of moral decadence in today's era and also the lack of Islamic education obtained has eroded the character of the current generation of the nation. The method used is a descriptive qualitative research method. Data were obtained from observations, interview optimally with the teachers, principal, books, articles, academic journals, and appropriate research results. The results of the study show that Islamic education very influential in shaping the character of golden generation of 2045 trought the religious values taught. However, the development of technology today is a challenge in it self because it greatly affects the character of the current generation. The current generation, which is expected to become the golden generation of 2045, must of course have good character. Therefore, it is very necessary todevelop the quality of Islamic education to help strengthen the character of the current generation.

Analisis Strategi Penghimpunan Dana Dalam Produk Deposito Mudharabah Pada KCP Bank Syariah Indonesia Sumberrejo Bojonegoro Aris Zulianto; Novia Rohmatullaili; Vina Lutfiatul Maula
ADILLA : Jurnal Ilmiah Ekonomi Syari'ah Vol. 5 No. 1 (2022): Januari
Publisher : Universitas Islam Darul 'ulum Lamongan

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.52166/adilla.v5i1.2970

Dengan adanya perkembangan Bank Syariah yang begitu pesat di Indonesia, ternyata perkembangan tersebut tidak dibarengi dengan wawasan syariah yang dimiliki oleh masyarakat. Hal tersebut menyebabkan terjadinya kesenjangan yang membuat tidak banyak masyarakat yang memahami produk dan sistem yang diterapkan oleh Bank Syariah. Padahal, sebagian besar penduduk Indonesia adalah orang Islam yang seharusnya mengetahui dan memahami secara luas tentang produk dan jasa dalam perbankan syariah. Hal tersebut dilakukan dan dimaksudkan agar pemenuhan kebutuhan perekonomian masyarakat tidak seenaknya saja, tetapi berdasarkan pada prinsip syariah. Dalam operasionalnya, Perbankan Syariah menerapkan beberapa produk dengan berbagai macam akad. Produk operasional Perbankan Syariah, di antaranya adalah produk jasa, produk penyaluran dana dan produk penghimpunan dana. Penerapan dan sistem penghimpunan dana Bank Syariah dengan konvensional sangatlah berbeda karena Perbankan Syariah sendiri mempunyai akad syariah, salah satunya yaitu produk deposito mudharabah. Produk pengumpulan dana yang digunakan oleh Bank Syariah Indonesia (BSI) Kantor Cabang Pembantu (KCP) Sumberrejo adalah menggunakan Deposito Mudharabah. Akad mudharabah yang dipilih adalah mudharabah muthlaqoh, sehingga Bank Syariah mendapatkan kebebasan untuk mengelola dana tersebut.

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