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All Journal Natuja: Jurnal Ekonomi Syariah DIMASEJATI:Jurnal Pengabdian Kepada Masyarakat
Fatah, Abdul
Universitas Jember
Economics, Econometrics & Finance

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PENGARUH SISTEM BAGI HASIL DAN KUALITAS PELAYANAN TERHADAP KEPUTUSAN NASABAH MEMILIH TABUNGAN MUDHARABAH (TABAH) DI BMT NU CABANG BUNGATAN SITUBONDO Abdul Fatah; Nur Muhammad; Sri Yuniati; Nuri Ma'rifatul Laily
NATUJA: Jurnal Ekonomi Syariah Vol. 5 No. 2 (2026): Mei (2026)
Publisher : Department of Sharia Economics, Faculty of Islamic Economics and Business, Universitas Islam Ibrahimy Banyuwangi, Indonesia

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.69552/h45kcy55

Abstract

Amid growing competition in Islamic financial institutions, the ability to attract and retain customers has become crucial for the sustainability of products, especially Mudharabah Savings (TABAH) based on the profit-sharing principle. This study aims to examine the effect of profit-sharing system (X1) and service quality (X2) on customers' decisions (Y) to choose TABAH at KSPPS BMT NU Branch Bungatan Situbondo. A quantitative approach with an explanatory design was employed, involving 90 respondents selected through purposive sampling. The questionnaire instrument had been tested for validity and reliability. Data were analyzed using multiple linear regression, t-test, F-test, and coefficient of determination using SPSS. The results show that the profit-sharing system significantly affects customer decisions with a significance value of p = 0.003 < 0.05, and service quality significantly affects customer decisions with p = 0.000 < 0.05. Service quality proved to be the most dominant factor. The coefficient of determination of 0.549 confirms that 54.9% of customers' decisions can be explained by both variables. These findings underscore that the competitive advantage of Islamic financial institutions lies not only in financial returns but also in service quality that fosters trust and customer loyalty.  
Peningkatan Jiwa Wirausaha Santri, Pendampingan Rebranding Produk dan Pemasaran Daring di Ponpes Raiyatul Husnan Bondowoso Agus Mahar Mahardiyanto; Fajar Wahyu Prianto; Abdul Fatah; Dwi Perwitasari Wiryaningtyas; N. Ari Subagio; Mohammad Saleh
Dimasejati: Jurnal Pengabdian Kepada Masyarakat Vol. 7 No. 1 (2025)
Publisher : Universitas Islam Negeri Siber Syekh Nurjati Cirebon

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.70095/dimasejati.v7i1.18638

Abstract

IMPROVING THE ENTREPRENEURIAL SPIRIT OF SANTRI, ASSISTANCE IN PRODUCT REBRANDING AND ONLINE MARKETING AT THE RAIYATUL HUSNAN ISLAMIC BOARDING SCHOOL, BONDOWOSO. The purpose of this activity is to unravel partner problems in the form of digital-based marketing strategies and the weak entrepreneurial spirit of the students managing the Raihan bottled drinking water (AMDK) business unit owned by Pesantren Raiyatul Husnan. The method in this service is in the form of mentoring, training, and equipping students with Business Model Canvas (BMC) Analysis and digitalisation material which is expected to help students in the entrepreneurial world. The results of the training showed a significant increase in students' understanding of BMC Analysis and digitalisation, where before the training 80% of students did not understand BMC and afterwards students who did not understand BMC and digital decreased to only 20%. Continuation of training needs to be done so that students dare to try entrepreneurship and find a business that suits their potential.
Penguatan Usaha Kelompok Tani Melalui Diversifikasi dan Digitalisasi Produk Unggulan di Desa Bandilan Kabupaten Bondowoso Riniati Riniati; Agus mahardiyanto; Moehammad Fathorrazi; Anifatul Hanim; Abdul Fatah
Dimasejati: Jurnal Pengabdian Kepada Masyarakat Vol. 8 No. 1 (2026)
Publisher : Universitas Islam Negeri Siber Syekh Nurjati Cirebon

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.70095/dimasejati.202681.20175

Abstract

Bandilan Village is one of the promising villages in Bondowoso Regency that requires support in the digitalisation and diversification of products produced by the Rimba Jaya 3 farmers’ group. The marketing of MSME products, Halal certification and the scarcity of fertiliser are issues facing the village. The community service method, using a Participatory Action Research (PAR) approach, involves training sessions, consultations, mentoring and evaluation of activities involving all village stakeholders, ranging from the village head, village officials, farmer groups and the surrounding community, in producing products, including meeting Halal certification requirements. This community service initiative can serve as an alternative for the people of Bandilan, particularly the Rimba Jaya 3 Group, to address the scarcity of subsidised fertiliser and improve the marketing of flagship SME products. It also helps SMEs to develop through mentoring to obtain Halal certification. Liquid Organic Fertiliser (POC) is an alternative for farmers as a substitute for subsidised fertiliser, which is often in short supply, by utilising unused tofu waste in the village. Through support for 10 SMEs in the form of marketing and halal certification, it is hoped that SMEs in the village of Bandilan will be able to move up the ladder. A challenge that has arisen in this support programme is the limited number of young people interested in getting involved, as many of them choose to migrate to the city rather than become farmers and entrepreneurs in their own village.
Co-Authors Agus Mahar Mahardiyanto Agus Mahardiyanto Anifatul Hanim Dwi Perwitasari Wiryaningtyas Fajar Wahyu Prianto Mahardiyanto, Agus Mahar Moehammad Fathorrazi Mohammad Saleh N. Ari Subagio Nur Muhammad Nuri Ma&#039;rifatul Laily Prianto, Fajar Wahyu Riniati Riniati Saleh, Mohammad Sri Yuniati Subagio, N. Ari Wiryaningtyas, Dwi Perwitasari