Article Per Year (5 Year)
p-Index From 2021 - 2026
1.116
P-Index
This Author published in this journals
All Journal Profit : Jurnal Kajian Ekonomi dan Perbankan Syariah Jurnal Ilmu Pendidikan dan Sains Islam Interdisipliner Aafiyah: Jurnal Multidisiplin Ilmu Jurnal Akuntansi, Ekonomi dan Manajemen Bisnis
Romzatul Widad
Universitas Nurul Jadid
Religion Aerospace Engineering Agriculture, Biological Sciences & Forestry Humanities Economics, Econometrics & Finance Languange, Linguistic, Communication & Media Library & Information Science Social Sciences

Published : 6 Documents Claim Missing Document
Claim Missing Document
Check
Articles

Found 6 Documents
Search

 1 
Implementasi Pelayanan Travel Haji dan Umroh pada Ja-ma’ah di PT. HEMA Tour and Travel & PT. Noor Alia Bondowoso Umi Khoidatul Avifah; Romzatul Widad
Jurnal Akuntansi, Ekonomi dan Manajemen Bisnis Vol. 5 No. 1 (2025): Maret : Jurnal Akuntansi, Ekonomi dan Manajemen Bisnis
Publisher : Pusat Riset dan Inovasi Nasional

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.55606/jaemb.v5i1.5733

Abstract

The Hajj and Umrah travel sector in Indonesia is experiencing very significant growth with the increasing interest of the Muslim community in Hajj and Umrah. However, this has very serious challenges, such as the emergence of unauthorized travel and declining service quality which has a direct impact on pilgrims' satisfaction and pilgrims' spiritual experience. This study aims to provide a comprehensive picture of the quality of customer service provided by PT Hema Tour and Travel & PT Noor Alia Bondowoso, as well as to provide practical recommendations for other industry players who want to improve their services and to create better service standards, which in turn will improve the experience of Hajj and Umrah for consumers in the future. This research uses qualitative descriptive analysis with a comparative approach. This research was conducted at PT HEMA Tour and Travel & PT Noor Alia Bondowoso. Data collection techniques were carried out using interviews, observation and documentation. The results of research on the implementation of Hajj and Umrah travel in consumer services at PT. Hema Tour and Travel & PT. Noor Alia Bondowoso show that the two companies have good service in various aspects both from the aspects of administration, price, transportation, accommodation, consumption, guidance and protection. This shows the commitment of both companies in providing the best experience for pilgrims. However, PT Noor Alia Bondowoso is superior in several aspects, such as a savings system that can facilitate pilgrims in planning Umrah without being burdened, a variety of package options, a variety of accommodation options and more intensive ritual guidance. With all the best services provided by the two companies, it has succeeded in increasing the positive image of the two companies in the community, especially in the Bondowoso area.
Implementasi Manajemen Risiko Pada Unit Usaha Bahan Bangunan Prespektif Ekonomi Syariah (Studi Pada Toko Bangunan Mandiri PP.Nurul Jadid) Anisatul Kamila; Romzatul Widad
Jurnal Akuntansi, Ekonomi dan Manajemen Bisnis Vol. 5 No. 1 (2025): Maret : Jurnal Akuntansi, Ekonomi dan Manajemen Bisnis
Publisher : Pusat Riset dan Inovasi Nasional

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.55606/jaemb.v5i1.5925

Abstract

In the era of globalization, competition in the business world of a business unit, especially in the field of building materials business units, is getting tighter. Thus, with the progress of globalization, the need for housing is increasing. Therefore, to adapt to the development of globalization, building materials business units must prioritize fast service, comfort, and strategic locations as well as competitive prices. The building materials industry has special characteristics that are very vulnerable to various types of risks. Therefore, risk management is an important solution in anticipating and handling potential losses from these risks. This study aims to determine the application of risk management in building materials business units from a sharia economic perspective, especially at Toko Bangunan Mandiri Pondok Pesantren Nurul Jadid, identifying and analyzing risks and implementing mitigation strategies that are useful for increasing business stability without eliminating sharia principles. The method used in the study is a qualitative method using a case study approach, namely by direct interviews with shop owners. The results of the study indicate that the main risks faced by Toko Bangunan Mandiri are market risks such as very tight competition, changes in consumer demand, and economic conditions and consumer purchasing power as well as human resource risks. Thus, to reduce this risk, the building materials business unit conducts sales analysis and product analysis such as grouping Fast Moving and Slow Moving Goods, as well as analyzing the income/salary earned by employees and selecting qualified Human Resources.
STRATEGI CICIL EMAS DALAM MENINGKATKAN KECERDASAN FINANSIAL MASYARAKAT DAN JUMLAH NASABAH: (STUDI KASUS KCP BANK SYARIAH INDONESIA SITUBONDO BASUKI RAHMAT) Romzatul Widad; Anisa Marifah
JURNAL PROFIT Vol 7, No 2 (2023): Economic Building
Publisher : Nurul Jadid University

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.33650/profit.v7i2.7590

Abstract

This article aims to describe the BSI KCP Situbondo Basuki Rahmat gold installment strategy and the BSI KCP Situbondo Basuki Rahmat gold installment strategy in increasing people's financial intelligence and the number of customers. The research approach used is qualitative with a field study research type. Data collection applies interviews, observation and documentation. Data analysis uses the Miles and Huberman model. The results of this research are: 1) The BSI KCP Situbondo Basuki Rahmat gold installment strategy was carried out in two stages, planning and implementation. The planning stage is carried out by implementing segmentating, targeting and positioning (STP) strategies. The implementation stage is carried out by implementing the marketing mix; 2) Increasing the number of financial intelligence and number of customers is carried out with three education programs. First, awareness that the value of currency always decreases over time. Second, awareness that the value of property assets always decreases over time. Third, the importance of investing in gold is to save money from a decline in currency value and assets from a decline in value. 
SMART FINANCIAL MANAGEMENT IN ISLAMIC BOARDING SCHOOLS: EVALUATING THE E-BEKAL APPLICATION FOR TRANSPARENT AND ACCOUNTABLE GOVERNANCE Abim Valerina; Romzatul Widad
JURNAL PROFIT Vol 10, No 1 (2026): Economic And Investment
Publisher : Nurul Jadid University

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.33650/profit.v10i1.15066

Abstract

This study examines the implementation of the E-Bekal application in the financial management system of Pondok Pesantren Nurul Jadid, with a focus on improving transparency, accountability, and efficiency in managing students’ funds. The study emerged from the need to modernize pesantren financial governance in response to administrative complexity and the growing demand for more transparent institutional management. Before the implementation of E-Bekal, financial transactions were handled manually through the Simpan Santri (SS) and Simpan Bekal Santri (SBS) systems. These conventional mechanisms often caused problems such as recording inaccuracies, delayed reporting, limited access to financial information, and weak internal control over cash flow and fund usage. This research uses a qualitative case study approach, with data collected through observation, in-depth interviews, and documentation. The findings show that E-Bekal has transformed financial management from a fragmented manual system into an integrated digital system. The application records transactions automatically and in real time, reducing the risk of human error, strengthening monitoring mechanisms, and preventing misuse of funds. It also enables parents to monitor their children’s financial activities directly, thereby increasing trust and participatory oversight. For pesantren administrators, E-Bekal facilitates the preparation of financial reports that are more accurate, systematic, and timely, while also improving administrative efficiency. In conclusion, the implementation of E-Bekal represents a significant step in the digital transformation of pesantren financial governance. The application not only enhances transparency and accountability but also increases operational efficiency. This study suggests that digital financial applications such as E-Bekal can serve as a strategic model for other Islamic boarding schools seeking to modernize their governance systems in the era of financial technology.
Protection Consumer In Pre-Order Based Transactions Salam Contract : The Role of Sharia Fintech and Mechanisms Romzatul Widad; Hanin Fara Atiqoh
Jurnal Ilmu Pendidikan dan Sains Islam Interdisipliner Vol. 5 No. 3 Agustus 2026: Jurnal Ilmu Pendidikan dan Sains Islam Interdisipliner
Publisher : Yayasan Azhar Amanaa Yogyakarta

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.59944/jipsi.v5i3.977

Abstract

The development of digital technology encourages changes in economic transaction practices, including the use of pre-order systems for UMKM. However, from the perspective of sharia economics, this practice still faces problems such as delays in delivery, mismatches of goods, and lack of transparency that have the potential to cause elements of gharar. Akad salam is a relevant concept in this transaction, while sharia fintech with an escrow mechanism can act as a consumer protection solution. This study aims to analyze the suitability of pre-order practices in Ayubi Hijab Kraksaan UMKM with the salam contract and examine the role of sharia fintech and escrow mechanisms. The method used is a qualitative approach with a case study design through interviews, observations, and documentation. The results of the study show that the practice of pre-ordering has fulfilled some of the principles of the salam contract, especially in advance payment and clarity of goods specifications, although there are still obstacles to the timeliness and suitability of products. The implementation of the escrow mechanism has been proven to increase transaction security, consumer confidence, and minimize the risk of default. Therefore, the integration of salam contracts, sharia fintech, and escrow is an innovative model that supports digital transactions that are transparent, fair, and in accordance with sharia principles.
PKM SOSIALISASI KEUANGAN DIGITAL DALAM MENGHADAPI TANTANGAN GLOBAL UNTUK SISWI MA NURUL JADID Romzatul Widad; Kholifatus Sa’diyah; Nurul Kamaliah
Aafiyah: Jurnal Multidisiplin Ilmu Aafiyah: Jurnal Multidisiplin Ilmu
Publisher : CV Edujavare Publishing

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.70610/ja.v3i1.611

Abstract

Penelitian ini bertujuan untuk mengetahui bagaimana tingkat pemahaman siswi MA Nurul Jadid Paiton Probolinggo terhadap konsep keuangan digital dan mengevaluasi efektivitas program literasi keuangan digital yang sedang berjalan. Generasi muda dan generasi milenial sebagai bagian dari generasi yang tumbuh dalam era digital, memiliki akses yang luas terhadap layanan keuangan digital seperti e-wallet, perbankan online, dan aplikasi investasi. Metode penelitian yang dilakukan dalam penelitian ini adalah penelitian dengan metode pendekatan kualitatif dengan jenis studi kasus dengan melibatkan kegiatan pengabdian masyarakat berupa sosialisasi, simulasi, dan evaluasi yang melibatkan 20 siswi MA Nurul Jadid Paiton Probolinggo. Kegiatan ini dirancang untuk memberikan pemahaman mengenai keuangan digital, praktik penggunaan teknologi keuangan, serta evaluasi pemahaman sebelum dan sesudah sosialisasi. Hasil Berdasarkan hasil evaluasi, sekitar 85% siswi melaporkan pemahaman yang lebih baik mengenai konsep dasar keuangan digital, termasuk apa itu dompet digital, aplikasi fintech, dan berbagai jenis layanan perbankan digital. Siswi yang awalnya hanya memahami sedikit atau tidak paham sama sekali mengenai keuangan digital kini memiliki pemahaman yang lebih mendalam.
Co-Authors Abim Valerina Anisa Marifah Anisatul Kamila Hanin Fara Atiqoh Kholifatus Sa’diyah Nurul Kamaliah Umi Khoidatul Avifah