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All Journal Istismar : Jurnal Kajian dan Penelitian Ekonomi dan Bisnis Islam JIB : Journal Islamic Banking JURNAL ILMIAH EKONOMI, MANAJEMEN, BISNIS DAN AKUNTANSI Dinamis: Jurnal Pengabdian Kepada Masyarakat
rifardi, lailatul maghfiroh putri
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Religion Humanities Computer Science & IT Decision Sciences, Operations Research & Management Economics, Econometrics & Finance Languange, Linguistic, Communication & Media Social Sciences

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TRANSFORMASI DIGITAL PT BPRS LANTABUR TEBUIRENG : IMPLEMENTASI LANTABUR MOBILEI rifardi, lailatul maghfiroh putri; Hidayati, Athi’; Sakroni, Sakroni
ISTISMAR Vol. 6 No. 1 (2023): Juni
Publisher : LPPM Universitas KH. A. Wahab Hasbullah

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.32764/istismar.v6i1.5401

Abstract

PT BPRS Lantabur Tebuireng merupakan salah satu bank perekonomian rakyat syariah yang telah melakukan transformasi digital melalui pengembangan aplikasi Lantabur Mobile. Langkah strategis ini tidak hanya sekedar mengikuti tren teknologi, melainkan Upaya konkret untuk memberikan kemudahan akses dan pengalaman perbankan yang lebih baik lagi nasabah. Metode penelitian menggunakan pendekatan kualitatif deskriptif dengan Teknik studi kasus, yang menunjukkan pengingkatan signifikan jumlah nasabah digital dan efisiensi operasional perbankan. Hasil penelitian menunjukkan bahwa inovasi teknologi digital mampu mendukung pengembangan layanan keuangan syariah yang lebih kompetitif, inklusif, dan responsive terhadap kebutuhan nasabah di era digital.
Pengarahan Peningkatan Kapabilitas Usaha Mandiri Bolen Pisang melalui Marketing Mix di desa Bibrik Madiun K, Kusnul Ciptanila Yuni; Sopingi, Imam; Haryanti, Peni; Hidayati, Athi'; Musfiroh, Anita; Rifardi, Lailatul Maghfiroh Putri; Sobaroh, Lutfia
Dinamis: Jurnal Pengabdian Kepada Masyarakat Vol. 3 No. 2 (2023): Desember 2023
Publisher : Universitas Hasyim Asy'ari Tebuireng Jombang

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.33752/dinamis.v3i2.5680

Abstract

Usaha mandiri bolen pisang di desa Bibrik Madiun merupakan bagian integral dari ekonomi lokal yang membutuhkan perhatian dalam meningkatkan kapabilitasnya. Pengarahan ini bertujuan untuk mengeksplorasi penerapan strategi marketing mix sebagai upaya untuk meningkatkan daya saing usaha ini. Metode dalam pengarahan ini menggunakan program bantuan strategi atau metodologi Asset-Based Community Development (ABCD). Hasil pengarahan menunjukkan bahwa tingkat pengetahuan masyarakat mengenai stunting sebelum dilakukanya monitoring/pengarahan hanya 60% yang menjawab benar dari seluruh peserta penyuluhan, dan setelah dilakukan monitoring/pengarahan hasilnya meningkat 20%. Sehingga dapat disimpulkan bahwa kegiatan yang dilakukan mengenai pengetahuan marketing mix masyarakat berhasil meningkat menjadi 80%. Artinya terdapat dampak positif dari pemberian monitoring sekaligus materi pengetahuan marketing mix terhadap ibu kader PKK dan ibu-ibu masyarakat desa Bibrik.
Peran GIBEI dalam Membentuk Budaya Investasi Mahasiswa Universitas Hasyim Asy'ari: Studi Fenomenologi rifardi, lailatul maghfiroh putri; Haryanti, Peni
JURNAL ILMIAH EKONOMI, MANAJEMEN, BISNIS DAN AKUNTANSI Vol. 2 No. 6 (2025): November
Publisher : CV. KAMPUSA AKADEMIK PUBLISING

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.61722/jemba.v2i6.1675

Abstract

This study aims to understand the role of the Indonesian Stock Exchange Investment Gallery (GIBEI) in shaping the investment culture among students at Hasyim Asy'ari University. The presence of GIBEI in universities is expected to increase financial literacy and encourage student interest in the capital market. This study uses a qualitative approach with a phenomenological method to explore students' experiences and perceptions of GIBEI. Data was collected through in-depth interviews with students who actively participated in GIBEI activities and observations of investment learning activities. The results showed that GIBEI had a significant impact on shaping students' understanding of capital market investment, increasing their interest in investing, and changing their mindset from consumptive to more productive and future-oriented. GIBEI also serves as a practical learning forum that bridges academic theory with real investment practice. However, there are still challenges in terms of student participation. This study is expected to contribute to the development of financial literacy programs in higher education and increase the effectiveness of GIBEI as a medium for investment learning.
Diversification of Financing Portfolio Through Gold Installment Products at PT BPRS Lantabur Tebuireng Rifardi, Lailatul Maghfiroh Putri; Noviana, Susi; Qur’ani, Indah Raissa
Jurnal Perbankan Syariah Vol 5 No 2 (2025): DESEMBER
Publisher : Program Studi Perbankan Syariah, Fakultas Ekonomi dan Bisnis Islam, Institut Agama Islam Nahdlatul Ulama Tuban

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.51675/jib.v5i2.1322

Abstract

This study examines portfolio diversification through gold installment products at PT BPRS Lantabur Tebuireng as a strategy for mitigating Non-Performing Financing (NPF) risk. Gold installment products use murabahah contracts, which allow customers to gradually acquire gold through a fixed installment system. The purpose of this study is to analyze the implementation of gold installment products as a financing diversification instrument and identify their role in mitigating NPF risk at PT BPRS Lantabur Tebuireng. The research method used a descriptive qualitative approach with data collection techniques through interviews, observation, and documentation studies. The results show that the gold installment product contributes significantly to NPF risk mitigation through collateral in the form of gold, which has stable value and high liquidity. Portfolio diversification through this product reduces the risk of financing concentration, which was previously dominated by conventional murabahah financing in the consumptive and productive sectors. The implementation of murabahah contracts in gold installment products is in accordance with sharia principles based on the DSN-MUI fatwa with price transparency and margin certainty. The study recommends optimizing gold installment products as a risk management strategy, strengthening the financing monitoring system, and developing similar products to strengthen the resilience of BPRS financing portfolios.
Co-Authors Haryanti, Peni Hidayati, Athi' Hidayati, Athi’ Imam Sopingi Kusnul Ciptanila Yuni K Mochammad Imron Awalludin Musfiroh, Anita Noviana, Susi Qur’ani, Indah Raissa Sobaroh, Lutfia