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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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Building Digital Trust in Sharia Fintech for Hajj Services Adlha, Wafiroh Dwi; Novanti, Dwi Retno; Ekaningsih, Lely Ana Ferawati; Ubaidillah
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 analyzes the role and implementation of Islamic fintech in building digital trust and optimizing Hajj administration processes, using the Muamalat Digital Islamic Network (DIN) application as a case study. Employing a qualitative case study approach at Bank Muamalat's Genteng Sub-Branch Office, data was collected through methodological triangulation, including direct observation, in-depth interviews with the manager, funding staff, customer service representatives, and prospective pilgrims, as well as document analysis. Data were analyzed interactively through stages of data reduction, data display, and conclusion drawing. The Muamalat DIN application successfully builds digital trust through the convergence of Sharia principles (the wadīah yad dhamānah contract and oversight by the Sharia Supervisory Board) with technological transparency. The application functions as a driver of financial and spiritual inclusion by eliminating geographical barriers and facilitating the fulfillment of maqashid sharia, particularly hifzh ad-din (preservation of faith). High adoption rates are driven by perceptions of usefulness and ease of use, reinforced by community-based religious outreach strategies. A transformation in service culture is demonstrated through the synergy between the digital interface and the ethical values (akhlaq) embedded in customer service. The primary challenges identified are reliance on uneven internet infrastructure and system overload during peak periods. The implementation of Islamic fintech in Hajj services through Muamalat DIN represents a successful paradigmatic transformation that harmonizes Sharia compliance, inclusive technological innovation, and ethical service. Its success in building digital trust and facilitating worship establishes it as a significant model for developing value-based Islamic financial services in the digital era. Keywords : Sharia Fintech, Hajj Administration, Digital Trust.
Management Strategy for Non-Performing Financing (NPF) at BMT Nusantara Sempu Sub-Branch: The Perspective of Maqasid Syariah Musthofa, Ahmad Bagir; 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 risk management strategies for non-performing financing (NPF) at BMT Nusantara Capem Sempu from a maqasid syariah perspective. Employing a qualitative case study approach, data were collected through in-depth interviews and direct observation, and analyzed using SWOT analysis. The findings indicate that NPF arises from internal factors (weaknesses in feasibility analysis and post-disbursement monitoring) and external factors (economic instability among clients in the agricultural and trade sectors). Implemented strategies include preventive measures (strict feasibility analysis, prudential principles, and customer education) and curative actions (financing restructuring, persuasive collection, and collateral execution as a last resort). A key finding is that managerial decisions integrate financial, social, and religious values within the maqasid syariah framework. This integrated approach has proven effective in reducing NPF, enhancing member trust, and ensuring operational sustainability.
Sharia-Based 7P Strategy and the Challenge of Asymmetric Digitalization in Building Millennial Saving Interest (A Case Study at BMT NU Genteng) Muhamad Fajar Bayu Pratama; Fikri, Muhammad Kanzul
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 the 7P marketing strategy and the saving interest of the millennial generation at BMT NU Genteng through a qualitative case study approach. Using a case study design, data were collected through in-depth interviews, observation, and document analysis. Data analysis was conducted using SWOT analysis. The results show that the Sharia-based 7P strategy is effective in building saving interest by positioning products as financial and educational benefit packages and utilizing digital promotion. However, asymmetric digitalization was found, where digital progress is concentrated only in promotion, while service processes remain manual. The strategy influences saving interest through a tiered mechanism from awareness to action, with Islamic values playing a dual role as both spiritual fulfillment and identity markers. The study concludes that an integrated 7P strategy, supported by competent human resources and comprehensive digital transformation, is crucial for developing the multidimensional saving interest of millennials. Key recommendations include developing an integrated digital roadmap and enhancing continuous human resource capacity building..
Digital Literacy Crisis in Islamic Education: Managerial Unpreparedness in The Era of Technological Transformationtitle English Nila Hanif Ulfiana; Finka Oktaviana Putri; Jauhariyah, Nur Anim
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 digital literacy crisis in Islamic educational institutions amid the acceleration of global digital transformation. Using a literature review and critical theoretical analysis, the study explores various managerial factors influencing the implementation of digital technology in Islamic education, including digital leadership, internal policies, organizational culture, and evaluation systems. Data were collected from secondary sources comprising scholarly articles, academic books, policy reports, and national regulations relevant to education and digital transformation. The findings indicate that the digital literacy crisis is systemic in nature and is primarily caused by weak digital leadership, unclear policy directions, the absence of an institutional digital roadmap, and limited structured evaluation mechanisms. In addition, insufficient attention to pedagogical aspects, resistance within organizational culture, and unsustainable budget allocation further exacerbate the condition. This study concludes that strengthening digital literacy management through the integration of digital leadership into the organizational culture of Islamic educational institutions, accompanied by enhanced managerial capacity and the harmonization of technology with Islamic values, is a key strategy for ensuring sustainable digital transformation. Recommendations are addressed to leaders of Islamic educational institutions and policymakers to undertake managerial restructuring as a systematic effort to address the digital literacy crisis.
Digital Divide Analysis in the Implementation of Educational Technology in Elementary Schools Ali, Adi Nur; Ridwan, M. Kholil; Jauhariyah, Nur Anim
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 conduct an in-depth analysis of the digital divide in the implementation of educational technology at the elementary school level, using a case study of SDN 1 Jadimulya as a representative rural school with limited resources. This study used a qualitative approach with a case study design to gain a comprehensive understanding of the digital landscape, not only in terms of infrastructure availability but also the quality of technology utilization and the subjects' experiences. Data were collected through in-depth interviews with teachers and principals, observations of the learning process, and documentation studies, then analyzed thematically. The results indicate a digital divide at two main levels. The First Level Gap appears significant, characterized by limited physical infrastructure, unstable electricity supply, and weak internet connections that hinder the functionality of ICT devices. This condition is exacerbated by the Second Level Gap, namely the low digital literacy competency of teachers and students. The majority of teachers have not yet optimally mastered Technological Pedagogical Content Knowledge (TPACK), so the use of ICT tends to be substitutive and not pedagogically integrated. The impact of this condition is stagnant learning quality, low student learning outcomes, and increasing educational inequality between rural and urban schools. Therefore, this study recommends intervention policies focused on sustainable digital infrastructure development and structured teacher capacity-building programs to comprehensively address the digital divide.
Teacher Digital Literacy and Its Impact on the Use of Educational Technology in Banyuwangi Schools: Literasi Digital Guru dan Dampaknya terhadap Pemanfaatan Teknologi Pendidikan di Sekolah Banyuwangi Widyasari, Nur; Khusnul Mazidah; Nur Anim Jauhariyah
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 examines teachers' digital literacy and its impact on the use of educational technology in Banyuwangi schools. The study aimed to analyze the influence of teachers' digital literacy on the quality of educational technology use and to identify the role of training and school managerial support. The study employed a qualitative approach with a case study design. Data collection techniques included in-depth interviews, learning observations, and school policy documentation. Data analysis was conducted thematically through the stages of reduction, presentation, and drawing conclusions using source triangulation. The results indicate that teachers' digital literacy, ongoing training, and managerial support play a significant role in increasing the effective, innovative, and equitable use of educational technology in schools
The Dialectic of Traditionalism and Digitalization: Barriers to Educational Technology Development at the Salafiyah Islamic Boarding School in Curah Kates, Jember Ahmad Ubaidil Munfarid; Ahmad Rafi Fitroh; Nur Anim Jauhariyah
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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The rapid development of digital technology has brought significant changes to educational practices, but its implementation in Salafiyah Islamic boarding schools still faces various dynamics and challenges. This study examines the dialectic between traditionalism and digitalization, focusing on the obstacles to the development of educational technology at the Salafiyah Islamic Boarding School in Curah Kates, Jember. The purpose of this study is to analyze the influence of traditional values, institutional culture, and leadership perspectives on the acceptance and implementation of digital-based educational technology. Furthermore, this study aims to identify structural, cultural, and human resource factors that inhibit technological innovation in the Islamic boarding school education system. This study uses a qualitative approach with a case study design. Data collection was conducted through in-depth interviews, participant observation, and documentation studies involving Islamic boarding school leaders, ustadz (Islamic teachers), and students. Data analysis was conducted using interactive analysis techniques that include data reduction, data presentation, and drawing conclusions. The results show that resistance to digitalization is not solely caused by technological limitations, but also by concerns about preserving religious traditions, moral values, and pedagogical authority. This research provides theoretical and practical contributions to the development of Islamic education by proposing a strategy for harmonizing traditional Islamic boarding school values ​​with contemporary digital innovation.
School Digitalization Policy in Banyuwangi: A Literature-Based Analysis of Its Effectiveness in Addressing Digital Inequality Astuti, Lidia; Jannah, Safarotul; Jauhariyah, Nur Anim
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

Digital transformation in the education sector is the Indonesian government's strategic agenda in responding to learning challenges in the technological and post-pandemic era. Banyuwangi Regency, as one of the regions that is actively encouraging the digitalization of public services, is also implementing school digitalization policies through the use of online learning platforms, Learning Management Systems (LMS), and various digital education applications. However, the implementation of this policy has given rise to academic debate regarding its effectiveness in reducing inequality in access to digital learning between schools. This research aims to critically analyze the effectiveness of school digitalization policies in Banyuwangi in overcoming digital inequality through a literature review approach. The research method used is a literature study by examining national and international journal articles, government policy documents, institutional reports, and online publications that are relevant to the topic of educational digitalization and the digital divide. The results of the study show that school digitalization policies have great potential in increasing learning flexibility and educational management efficiency, but are not yet fully able to overcome digital inequality due to differences in infrastructure, teachers' digital literacy capacity, and students' socio-economic readiness. Therefore, a more inclusive and sustainable policy strategy is needed so that the digitalization of education is not only a symbol of modernization, but also a means of equal access and justice to education. Keywords : School Digitalization, Education Policy, Digital Inequality, Online Learning, Banyuwangi
Innovation And Barriers To Educational Technology In Islamic Institutions: A Managerial And Implementative Review Fadiyah, Putri Nur; Arih Lailatul Fadilah; Zulfa Roikhatul Jannah; Nur Anim Jauhariyah
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 forms of educational technology innovation and the obstacles faced by Islamic educational institutions in their implementation, from a managerial and implementation perspective. Digital transformation in madrasas and Islamic boarding schools (pesantren) is a crucial need in this era of technological acceleration, particularly to improve the quality of learning and the effectiveness of institutional management. However, the process of implementing technology does not always run smoothly because Islamic educational institutions have unique characteristics related to values, organizational structure, and resource readiness. This study used a descriptive qualitative approach to explore in-depth the understanding, experiences, and perceptions of teachers, education staff, and madrasah administrators regarding the implemented technological innovations, as well as the various obstacles that emerged during the implementation process. The data analysis techniques used refer to the Miles and Huberman model, including data reduction, data presentation, and conclusion drawing. Data were obtained through observation, in-depth interviews, and documentation related to the e-madrasah system, LMS, computer-based exams, and various digital practices used in learning and school management. The results indicate that educational technology innovation in Islamic institutions operates in two main domains. From a managerial perspective, the implementation of digital administration systems, digital literacy training for teachers, and the development of technology-based curricula play a significant role in improving the effectiveness of institutional governance. Meanwhile, from an implementation perspective, the use of blended learning, interactive media, AI-based applications, and digital learning platforms can improve the flexibility and quality of Islamic education. However, the technology adoption process still faces significant obstacles, such as limited internet infrastructure and devices, low teacher digital competency, resistance to change, budget constraints, and a lack of digital content aligned with Islamic values. These obstacles slow the innovation diffusion process, as described in Everett M. Rogers' model, particularly at the persuasion and implementation stages. Managerial strategies such as ongoing training, collaboration to strengthen infrastructure, development of an Islamic digital curriculum, and measurable technology use policies have been shown to help mitigate obstacles and strengthen the sustainability of technological innovation in Islamic educational institutions.   Keywords: Educational Technology, Madrasah, Innovation, Islamic Education Management, Innovation Diffusion
From 'Sophisticated' to 'Garbage': An Exploration of Qualitative Barriers in the School Educational Technology Infrastructure Maintenance and Procurement Cycle Munawaroh, Ulfatul; Qistiyah, Sayidah Eva Milatul; Jauhariyah, Nur Anim
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 explore the qualitative barriers to infrastructure maintenance and the educational technology procurement cycle in schools, which can lead to devices that were once "sophisticated" becoming "digital waste." Using a descriptive qualitative approach, this study explores real-world conditions through interviews, observations, and analysis of school documents. The study results showed that device failures occurred more quickly due to the lack of maintenance SOPs, a limited maintenance schedule, and weak damage reporting mechanisms. During the procurement stage, schools focused more on sophistication and budget absorption than on analyzing pedagogical needs, resulting in many devices not being appropriate for the learning context. Teachers' low digital literacy hampered the optimal use of technology, while the lack of an inventory system resulted in ineffective planning for device maintenance and replacement. This study concluded that the root of the problem lies in unintegrated technology management, including maintenance, procurement, competency development, and curriculum planning. These findings are expected to encourage schools to develop more systematic and sustainable technology lifecycle management so that devices can have a real impact on learning.

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