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Diky Wahyu Surya Pratama
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ICO EDUSHA
Published by Sekolah Tinggi Agama Islam An Najah Indonesia Mandiri
ISSN : -     EISSN : 2775930X     DOI : -
Core Subject : Religion, Economy, Humanities, Education, Social,
Religion Humanities Economics, Econometrics & Finance Education Social Sciences Other
Proceedings of Annual Conference for Education Management and Sharia Economics The journal publishes articles of interest to education practitioners, teachers, education policy makers, and researchers. This journal encompasses research articles, original research report, reviews in Islamic education in any field including 1) Leadership, 2) Public Relation Management, 3) Organizational Behavior, 4) Organizational Culture, 5) Human Resource Management, 6) Financial Management, 7) Decision Making, etc. This journal is published once a year, in the month December.
Arjuna Subject : Ilmu Ekonomi, Ekonometrika dan Keuangan (semua kategori) - Ilmu Ekonomi, Ekonometrika dan Keuangan (Lain-Lain)
Articles 272 Documents
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The Leadership Role of the Management of Darussalam Blokagung Islamic Boarding School, Banyuwangi, in Responding to the Challenges of the Digital Generation Miftahul Jannah
ICO EDUSHA Vol. 6 No. 1 (2025): Proceedings of International Conference On Islam Educationm Management and Shar
Publisher : STAI AN-NAJAH INDONESIA MANDIRI

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Abstract

Penelitian ini bertujuan untuk menganalisis peran kepemimpinan pengurus PondokPesantren Darussalam Blokagung Banyuwangi dalam merespons tantangangenerasi digital pada pendidikan Islam modern. Perubahan karakter santri generasidigital yang adaptif terhadap teknologi menuntut pesantren untuk melakukantransformasi pendidikan tanpa menghilangkan nilai-nilai keislaman. Penelitian inimenggunakan pendekatan kualitatif dengan jenis studi kasus. Data diperolehmelalui wawancara mendalam, observasi partisipatif, dan studi dokumentasiterhadap pengurus pesantren, pendidik, serta santri yang terlibat dalam pemanfaatanteknologi pendidikan. Analisis data dilakukan menggunakan model interaktif Milesdan Huberman melalui proses reduksi data, penyajian data, dan penarikankesimpulan, dengan uji keabsahan data melalui triangulasi. Hasil penelitianmenunjukkan adanya pergeseran kepemimpinan pengurus pesantren dari polaadministratif menuju kepemimpinan transformasional-digital yang berperansebagai agen perubahan dan mediator kelembagaan. Pengurus pesantren tidakhanya menginisiasi integrasi teknologi dalam pembelajaran dan administrasi, tetapijuga menyeimbangkan inovasi digital dengan pelestarian nilai-nilai pendidikanIslam. Kontribusi penelitian ini terletak pada penguatan kerangka konseptualkepemimpinan pengurus pesantren sebagai aktor strategis dalam transformasipendidikan Islam modern yang adaptif, kontekstual, dan berbasis nilai.
Cross-Selling Sharia Gold Savings: A Hedging Strategy for Hajj Financial Risk Mitigation Mawarda, Iska Nur Mawarda; Ekaningsih , Lely Ana Ferawati; Mustafidah, Wiwit
ICO EDUSHA Vol. 6 No. 1 (2025): Proceedings of International Conference On Islam Educationm Management and Shar
Publisher : STAI AN-NAJAH INDONESIA MANDIRI

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Abstract

This research analyzes the cross-selling strategy of gold savings to strengthen the financing guarantee for Hajj Pilgrimage Organizing Fees (BPIH) for customers at Bank Syariah Indonesia KCP Banyuwangi Rogojampi. Utilizing a qualitative Case Study approach involving interviews, observation, document analysis, and SWOT analysis, the findings reveal that the main strengths lie in the bank's reputation, the transparency of the murabahah contract, and support from the BYOND digital platform. Weaknesses include limitations in employee training/human resources and the absence of standardized educational SOPs. Opportunities arise from payroll customer segments and digitalization trends, while threats encompass market competition and gold price volatility. The analysis results in the formulation of SO (digital enhancement and collaboration), WO (training and SOP development), ST (reputation-based education), and WT (sharia financial literacy campaign) strategies. It is concluded that the cross-selling strategy for gold savings is effective as a hedging instrument against BPIH increases, with recommendations to strengthen education, human resources, and service digitalization.
The Effectiveness Of The Baznas Program Of Banyuwangi Regency In Improving Community Welfare Vina Wafiatul Fauziah; Faiqotul Himmah; Wiwit Mustafidah
ICO EDUSHA Vol. 6 No. 1 (2025): Proceedings of International Conference On Islam Educationm Management and Shar
Publisher : STAI AN-NAJAH INDONESIA MANDIRI

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This study aims to evaluate the effectiveness of BAZNAS Banyuwangi's programs in enhancing beneficiary welfare across five dimensions: economic, educational, social, health, and religious. A descriptive qualitative method was employed, with data collected through participatory observation, in-depth interviews, and documentation. The results identify five core programs: Banyuwangi Makmur, Cerdas, Peduli, Sehat, and Taqwa. Overall, all programs positively impact beneficiaries, with varying effectiveness levels. The Banyuwangi Makmur (Prosperous) program proved most effective by focusing on economic empowerment through business capital and tools, demonstrably increasing income and fostering long-term self-reliance, thereby creating sustainable economic change. Other programs contributed significantly: Cerdas (Intelligent) alleviated educational costs, Peduli (Caring) improved living standards through social aid, Sehat (Healthy) enhanced healthcare access, and Taqwa (Pious) strengthened spiritual facilities. In conclusion, BAZNAS Banyuwangi's zakat distribution strategy is effective. However, program sustainability and impact could be optimized through improved mentoring and more equitable program distribution.   Keywords : BAZNAS, effectiveness programe, community welfare
Implementing Mudharabah and Musharakah Contracts in the Eid Savings Scheme at BMT Al-Yaman Banyuwangi Elfa Miftahul Jannah; Mira Ustanti
ICO EDUSHA Vol. 6 No. 1 (2025): Proceedings of International Conference On Islam Educationm Management and Shar
Publisher : STAI AN-NAJAH INDONESIA MANDIRI

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This study aims to analyze the implementation mechanism and sharia compliance of the mudharabah musyarakah contract in the Simpanan Hari Raya (Holiday Savings) product at BMT Al-Yaman Banyuwangi. Using a descriptive qualitative approach, data were collected through interviews, observation, and document analysis. The results indicate that the product employs a combined mudharabah musyarakah scheme, with members as capital owners (shahibul maal) and the BMT as both manager (mudharib) and capital participant. The implementation mechanism encompasses member registration, contract explanation, profit-sharing ratio determination, routine deposits, and fund management within a halal, low-risk financing portfolio. Profit distribution occurs before religious holidays in cash or in-kind. The contract application adheres to sharia principles, including transparency, clear profit-sharing, no upfront fixed profit guarantee, and the use of funds for halal activities. The study concludes that while sharia principles are met, enhancing member education and strengthening risk management are crucial for the contract's sustainability. These findings support prior research on the effectiveness of mudharabah musyarakah in Islamic microfinance savings products. Keywords : mudharabah musyarakah, holiday savings, BMT, profit sharing.  
SERVQUAL Based On Islamic Values: Member Satisfaction Model At BMT NU Cabang Purwoharjo Safira Ardika Dwi Putri; Sindi Maya Urbach; Yunus Zamroji
ICO EDUSHA Vol. 6 No. 1 (2025): Proceedings of International Conference On Islam Educationm Management and Shar
Publisher : STAI AN-NAJAH INDONESIA MANDIRI

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Abstract

This study aims to analyze member satisfaction with savings services at the BMT NU Purwoharjo. A qualitative case study approach was used, with data collected through in-depth interviews, observations, and documentation involving active savings members. Results indicate overall member satisfaction, particularly regarding service accessibility, staff professionalism, transaction speed, and clarity of sharia contract information. SERVQUAL dimension analysis revealed that all five dimensions tangibles, reliability, responsiveness, assurance, and empathy contribute positively to member satisfaction. The integration of Islamic values ​​such as amanah (trustworthiness), fastabiqul khairat (competing in goodness), and rahmah (compassion) strengthens these service dimensions. In conclusion, improving service quality across all SERVQUAL dimensions, along with strengthening sharia compliance and community-based service innovation, is crucial to maintaining member satisfaction at the BMT NU Purwoharjo Branch.   Keywords : Member satisfaction, service quality, Servqual, Islamic values, BMT
Hybrid Hybrid Governance in Zakat Management: Integrating Pesantren Values and Transparency-Accountability Practices Siti Nur ‘Afwiyyah; Fatoni, Joharul
ICO EDUSHA Vol. 6 No. 1 (2025): Proceedings of International Conference On Islam Educationm Management and Shar
Publisher : STAI AN-NAJAH INDONESIA MANDIRI

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Abstract

This study aims to analyze the practices of transparency and accountability in zakat fund management at the Sharia Savings and Financing Unit (USPPS) of Darussalam Islamic Boarding School, Blokagung, Banyuwangi. Descriptive qualitative approach was employed, with data collected through interviews, observations, and document analysis. The results indicate that transparency practices remain informal and limited to internal announcements, lacking public reporting systems. Accountability relies on moral values and social trust but lacks systematic documentation and external audits.The primary constraints are limited human resources and digital infrastructure. The study concludes that governance strengthening through staff training, report digitalization, and stakeholder support is essential to develop a professional and accountable zakat information system based on good governance principles. Keywords: Transparency; Accountability; Zakat Management; Islamic Boarding School; Good Governance.
Digital Amanah: Enhancing Member Service Quality in BMT through UGT MOBILE Application Dea Yasmita Ananda Sari; Khoirini Siva’a Qolbina; Ustanti, Mira
ICO EDUSHA Vol. 6 No. 1 (2025): Proceedings of International Conference On Islam Educationm Management and Shar
Publisher : STAI AN-NAJAH INDONESIA MANDIRI

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This research investigates how service digitalization through the UGT Mobile platform contributes to enhancing the quality of member services in BMT UGT Nusantara, Purwoharjo Branch, within the framework of Islamic microfinance. The study further examines the key barriers encountered during implementation and proposes strategic, sharia-compliant solutions to address them. Using a qualitative case study approach, data were collected via in-depth interviews with the Branch Manager, digital service officers, an Islamic marketing specialist, and active users. Findings reveal that UGT Mobile has substantially improved service quality in four core aspects of digital performance: efficiency reflected in reduced waiting times; reliability evident in system consistency and real-time notifications; system availability through 24-hour accessibility; and privacy ensured via multi-layered data protection.This enhancement aligns with sharia principles (amanah, ihsan, hifz al-mal). Key constraints were low digital literacy among some members (especially the elderly) and limited internet infrastructure. Effective solutions included "outreach" educational approaches, personal assistance, and a hybrid service model. Ultimately, the study concludes that the success of digital transformation in Islamic microfinance institutions relies not only on the technological robustness of applications but equally on educational and value-based engagement strategies that reinforce Islamic ethical frameworks Keywords: Service Digitalization, UGT Mobile, Service Quality, BMT, Digital Literacy, Islamic Finance, Case Study.
Health Analysis Based on the Technical Guideline of the Cooperative Deputy No. 15 of 2021 Kristanto, Kristanto; Ekaningsih, Lely Ana Ferawati Ekaningsih
ICO EDUSHA Vol. 6 No. 1 (2025): Proceedings of International Conference On Islam Educationm Management and Shar
Publisher : STAI AN-NAJAH INDONESIA MANDIRI

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This study aims to analyze the health level of Koperasi AUSATH Blokagung, Tegalsari, Banyuwangi. Employing a quantitative explanatory approach, the research focuses on four key dimensions: governance, risk profile, financial performance, and capital structure. The dataset consists of primary data obtained through interviews and secondary data derived from the cooperative’s 2024 financial statements. Data collection techniques include observation, interviews, and documentation, while the analysis follows the Technical Guidelines of the Deputy for Cooperatives No. 15 of 2021 concerning the Cooperative Health Examination Worksheet (KKPKK). The findings across the four dimensions indicate that the cooperative is in a healthy condition. The management system operates effectively with sound governance and regulatory compliance, supported by strong liquidity, stable financial performance, optimal profitability, and efficient operations. The capital structure is also robust, providing a solid financial and managerial foundation for sustainable growth. Overall, Koperasi AUSATH meets the cooperative health standards stipulated in the Deputy’s Technical Guidelines and demonstrates its capacity to function as a financial intermediary within the community. Furthermore, this compliance reflects alignment with Islamic principles, as emphasized in the Qur’an: Surah Al-Baqarah verse 2 on the prohibition of usury (riba), Surah Al-Maidah verse 2 on mutual assistance in goodness, and Surah Sad verse 24 on cooperation and solidarity Keywords : Risk Profile, Governance, Health, Cooperatives, and Financial Performance
Sharia Compliance Analysis of Gold Pawn Products at BMT UGT Nusantara Muncar Branch A Fiqh Muamalah Perspective Siti Muafatunisa; Fitriani, Retno Evi; Biati, Lilit
ICO EDUSHA Vol. 6 No. 1 (2025): Proceedings of International Conference On Islam Educationm Management and Shar
Publisher : STAI AN-NAJAH INDONESIA MANDIRI

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This study aims to analyze the implementation of Sharia Gold Pawn Financing at BMT UGT Nusantara Muncar Branch and evaluate its compliance with Islamic muamalah principles.Qualitative case study approach was employed, utilizing observation and in-depth interviews with the branch manager, focusing on the application of three core contracts: Qardh, Rahn, and Ijarah. The findings reveal that the Qardh contract serves as the loan foundation, while Rahn functions as the gold collateral mechanism. However, a critical sharia non-compliance was identified in the Ijarah contract, where the service fee (ujrah) is calculated based on the financing amount rather than the gold weight, contradicting DSN-MUI Fatwa No. 09/2000 and SE BI 14/2012. Other contractual elements, such as object clarity, mutual consent (rida), and obligation fulfillment, generally met sharia requirements. While Qardh and Rahn implementations are sharia-compliant, an urgent adjustment to the Ijarah-based fee structure is necessary to ensure full adherence to Islamic law and prevent potential riba. The study recommends aligning ujrah calculation with gold weight and strengthening internal sharia governance.
Implementation of the Wadiah Contract in the Practice of the Eid Savings Scheme from the Fathul Qorib Perspective Afida Mariani Kamila; Lely Ana Ferawati Ekaningsih
ICO EDUSHA Vol. 6 No. 1 (2025): Proceedings of International Conference On Islam Educationm Management and Shar
Publisher : STAI AN-NAJAH INDONESIA MANDIRI

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This study aims to analyze the implementation and sharia compliance of the wadiah yad dhamanah contract in the tabungan hari raya (holiday savings) product at uspps blokagung-banyuwangi through a qualitative case study. Using the Kitab Fathul Qorib as the primary normative perspective, data was collected through interviews, observation, and document studies, and then analyzed using the Miles and Huberman interactive model. The findings indicate uncertainty, despite the formal fulfillment of the contract's pillars through the application of wadiah yad al-dhamanah. An in-depth analysis reveals three substantive deviations. First, the customers' low understanding of the nature of the trust (deposit) contract creates gharar (uncertainty) and erodes the principle of ridha (mutual consent) emphasized in Fathul Qorib. Second, the practice of a fixed, promoted "Certainty Bonus" of 5% has transformed the voluntary nature of a hibah (gift) into an expected return, approaching the realm of syubhat riba al-nasi'ah (suspicion of usury related to delay). Third, an inconsistency was found between the legal construct of the wadiah contract and the logic of benefit distribution equated with profit-sharing, creating legal ambiguity (talfiq al-‘uqud). This study concludes that sharia compliance cannot be adequately assessed solely from formal adherence but requires substantive integrity encompassing clarity, transparency, and coherence with classical fiqh principles. Recommendations focus on transparent contract reformulation, comprehensive customer education, and strengthening sharia supervision based on the authority of classical Islamic texts. Keywords: Wadiah yad dhamanah contract, Fathul Qorib, Sharia Compliance.

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