ICO EDUSHA

Digital Divide Analysis in the Implementation of Educational Technology in Elementary Schools

Adi Nur Ali — 2026-01-15

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.

From 'Sophisticated' to 'Garbage': An Exploration of Qualitative Barriers in the School Educational Technology Infrastructure Maintenance and Procurement Cycle

Ulfatul Munawaroh — 2026-01-14

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.

ANALISIS KINERJA KEUANGAN PADA PT. UNILEVER Tbk

Fatun — 2025-08-01

Pada penelitian ini sampel yang diambil pada PT Unilever Indonesia Tbk adalah dari tahun 2020 sampai tahun 2022. Dengan menganalisis Rasio Likuiditas dan analisis Rasio Solvabilitas, Hasil penelitian ini menunjukkan bahwa analisis Rasio Likuiditas yang diukur dengan current ratio dan quick rasio pada PT Unilever Tbk periode tahun 2020 sampai tahun 2022 tidak baik, karena dari hasil analisis yang dilakukan ditemukan hasil di bawah angka satu. Sedangkan hasil analisis Rasio Solvabilitas yang diukur dengan Debt to Assets Ratio dan Debt to equity Ratio pada PT Unilever Indonesia Tbk, periode tahun 2020 sampai tahun 2022, berada pada persentase 75%. Hal itu menunjukkan bahwa Kinerja Keuangan PT. Unilever Tbk. Sangat tidak baik, dikarenakan hampir seluruh perusahaan dibiayai oleh hutang.

Kata Kunci: Kinerja keuangan, Likuiditas, Solvabilitas.

The Effectiveness Of The Baznas Program Of Banyuwangi Regency In Improving Community Welfare

Vina Wafiatul Fauziah — 2026-01-12

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

Health Analysis Based on the Technical Guideline of the Cooperative Deputy No. 15 of 2021

Kristanto Kristanto — 2026-01-11

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-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 — 2026-01-12

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..

School Digitalization Policy in Banyuwangi: A Literature-Based Analysis of Its Effectiveness in Addressing Digital Inequality

Lidia Astuti — 2026-01-14

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

The Leadership Role of the Management of Darussalam Blokagung Islamic Boarding School, Banyuwangi, in Responding to the Challenges of the Digital Generation

Miftahul Jannah — 2026-01-05

Penelitian ini bertujuan untuk menganalisis peran kepemimpinan pengurus Pondok
Pesantren Darussalam Blokagung Banyuwangi dalam merespons tantangan
generasi digital pada pendidikan Islam modern. Perubahan karakter santri generasi
digital yang adaptif terhadap teknologi menuntut pesantren untuk melakukan
transformasi pendidikan tanpa menghilangkan nilai-nilai keislaman. Penelitian ini
menggunakan pendekatan kualitatif dengan jenis studi kasus. Data diperoleh
melalui wawancara mendalam, observasi partisipatif, dan studi dokumentasi
terhadap pengurus pesantren, pendidik, serta santri yang terlibat dalam pemanfaatan
teknologi pendidikan. Analisis data dilakukan menggunakan model interaktif Miles
dan Huberman melalui proses reduksi data, penyajian data, dan penarikan
kesimpulan, dengan uji keabsahan data melalui triangulasi. Hasil penelitian
menunjukkan adanya pergeseran kepemimpinan pengurus pesantren dari pola
administratif menuju kepemimpinan transformasional-digital yang berperan
sebagai agen perubahan dan mediator kelembagaan. Pengurus pesantren tidak
hanya menginisiasi integrasi teknologi dalam pembelajaran dan administrasi, tetapi
juga menyeimbangkan inovasi digital dengan pelestarian nilai-nilai pendidikan
Islam. Kontribusi penelitian ini terletak pada penguatan kerangka konseptual
kepemimpinan pengurus pesantren sebagai aktor strategis dalam transformasi
pendidikan Islam modern yang adaptif, kontekstual, dan berbasis nilai.

Hybrid Hybrid Governance in Zakat Management: Integrating Pesantren Values and Transparency-Accountability Practices

Siti Nur ‘Afwiyyah — 2026-01-11

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.

Building Digital Trust in Sharia Fintech for Hajj Services

Wafiroh Dwi Adlha — 2026-01-15

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.

Teacher Digital Literacy and Its Impact on the Use of Educational Technology in Banyuwangi Schools

Nur Widyasari — 2026-01-14

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

Challenges of Educational Technology Implementation in Indonesia: Digital Gap Analysis, Teacher Readiness, and Infrastructure Strengthening Strategies

Ahmad Fahrurroziqin — 2026-01-15

The implementation of educational technology in Indonesia is inevitable amidst the development of the digital era and the demands for improving the quality of education. However, its implementation still faces various complex challenges. This article aims to analyze the main challenges in the implementation of educational technology in Indonesia, with a focus on the digital divide, teacher readiness, and strategies for strengthening educational infrastructure. The research method used is library research, reviewing various scientific sources such as journals, books, and relevant policy reports. The results of the study indicate that the digital divide still exists significantly between urban and rural areas, both in terms of internet access, device availability, and students' digital literacy. Furthermore, teacher readiness to utilize learning technology remains relatively low, marked by limited technology-based pedagogical competencies and a lack of ongoing training. Furthermore, educational technology infrastructure is not evenly distributed and does not fully support effective digital learning. Therefore, strategies are needed to strengthen infrastructure through equitable internet access, increasing the capacity of educational human resources, and synergy between the government, educational institutions, and the private sector. The inclusive and sustainable implementation of educational technology is expected to improve the quality and equity of education in Indonesia.

Analysis Of Donor Satisfaction Toward The Services Of An Infaq Management Institution Using Importance Performance Analysis And Customer Satisfaction Index Methods

Ali Hamdan — 2025-10-13

This paper aims to analyze donor satisfaction with the services of an Infaq Management Institution using the Importance Performance Analysis (IPA) and Customer Satisfaction Index (CSI) methods. In this study, a survey of 100 donors was conducted to collect data regarding their expectations and experiences with the provided services. The IPA method was used to identify factors influencing donor satisfaction, while the CSI method was applied to measure the overall level of satisfaction. The analysis results indicate that several service elements need improvement, including transparency in the reporting of infaq fund usage and responsiveness to donor inquiries. The physical evidence dimension was excluded from the analysis because it did not meet the reliability test (Cronbach’s Alpha < 0.6). The validity test results show that all questionnaire items are valid (P-value < 0.05). The CSI score of 70.57% indicates that, in general, donors are satisfied with the services of the Infaq Management Institution (LMI). Based on the IPA analysis, there were no attributes in the main priority quadrant (Quadrant I), but four attributes should be maintained because of their high performance and high importance (Quadrant II), namely the implementation of the 3S principle (Smile, Greet, Serve), transparency in fund management, accuracy of fund allocation, and confidentiality of donor data. On the other hand, six attributes fall into the low-priority quadrant (Quadrant III), indicating potential improvements in reporting and communication aspects. These results provide strategic insights for LMI to maintain its service excellence and enhance areas that are still suboptimal to sustain and increase donor loyalty. This study provides recommendations for infaq management institutions to improve service quality to enhance donor satisfaction.

Keywords: Donor Satisfaction, Infaq Management Institution, Importance Performance Analysis, Customer Satisfaction Index.

Implementing Mudharabah and Musharakah Contracts in the Eid Savings Scheme at BMT Al-Yaman Banyuwangi

Elfa Miftahul Jannah — 2026-01-06

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.

Sharia Compliance Analysis of Gold Pawn Products at BMT UGT Nusantara Muncar Branch A Fiqh Muamalah Perspective

Siti Muafatunisa — 2026-01-11

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.

Digital Literacy Crisis in Islamic Education: Managerial Unpreparedness in The Era of Technological Transformationtitle English

Nila Hanif Ulfiana — 2026-01-15

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.

Innovation And Barriers To Educational Technology In Islamic Institutions: A Managerial And Implementative Review

Putri Nur Fadiyah — 2026-01-14

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

Cross-Selling Sharia Gold Savings: A Hedging Strategy for Hajj Financial Risk Mitigation

Iska Nur Mawarda Mawarda — 2026-01-10

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.

Digital Amanah: Enhancing Member Service Quality in BMT through UGT MOBILE Application

Dea Yasmita Ananda Sari — 2026-01-11

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.

Management Strategy for Non-Performing Financing (NPF) at BMT Nusantara Sempu Sub-Branch: The Perspective of Maqasid Syariah

Ahmad Bagir Musthofa — 2026-01-11

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.

The Dialectic of Traditionalism and Digitalization: Barriers to Educational Technology Development at the Salafiyah Islamic Boarding School in Curah Kates, Jember

Ahmad Ubaidil Munfarid — 2026-01-14

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.

The Role of Educational Technology in Ensuring Access to Quality Learning within the Education System

Khoirul Anwar — 2026-01-15

This study aims to analyze the role of educational technology in ensuring access to quality learning at Darussalam Senior High School, Blokagung, Banyuwangi. Using a descriptive qualitative approach, data were collected through observations, interviews, and documentation. The findings indicate that educational technology enhances the effectiveness, flexibility, and inclusivity of learning, although challenges remain in terms of infrastructure, digital literacy, and limited access to devices. Optimization efforts through improving facilities and strengthening teacher competencies are necessary to ensure that technology can optimally support equity and quality in learning.

Keywords : Educational Technology, Quality Learning, Education System

Implementation of Islamic Economic Understanding on Individual Behavior

Mohamad Zalfa Islama Alalifi — 2025-12-18

Understanding Islamic economics plays an important role in shaping individual economic behavior. Islamic economics is not only oriented toward material gain but also emphasizes worship values, ethics, and moral responsibility in every economic activity. Core principles such as justice and honesty in transactions, prohibition of usury (riba), social concern, prudent consumption, and work ethics serve as the foundation for developing ethical economic behavior. Upholding the values of justice and honesty as emphasized in the Qur’an encourages individuals to act with integrity and avoid harming others. The prohibition of riba directs Muslims toward lawful business activities, while the teaching of generosity promotes social solidarity and reduces economic inequality. Additionally, the principle of avoiding excessive consumption fosters a simple and frugal lifestyle. The Islamic work ethic affirms that working is part of worship, thus requiring professionalism and responsibility. By applying these principles, Muslim individuals can develop balanced economic behavior that aligns worldly interests with the hereafter, thereby creating an economic life that is just, moral, and beneficial for the wider community.

SERVQUAL Based On Islamic Values: Member Satisfaction Model At BMT NU Cabang Purwoharjo

Safira Ardika Dwi Putri — 2026-01-11

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

Implementation of the Wadiah Contract in the Practice of the Eid Savings Scheme from the Fathul Qorib Perspective

Afida Mariani Kamila — 2026-01-11

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.