Economic : Jurnal Ekonomi dan Hukum Islam
The Economic : Jurnal Ekonomi dan Hukum Islam, Is a journal managed by the Program Studi Ekonomi Syariah Sekolah Tinggi Agama Islam Darul Ulum Banyuwangi. This journal is published twice a year, namely in June and December. This journal already has P-ISSN 2088-6365 and E-ISSN 2477-5576. This journal also has programs aimed at bridging the gap between the practical and theoritical approaches to Islamic Economic and Islamic Law Studies. This journal invites the intersection of several disciplines, researchers, scholars to contribute knowledge in developing islamic economic literatures. This journal is available online using an open journal system which makes readers easy to get the published article.
Analisis Faktor-Faktor yang Memengaruhi Minat Beli Generasi Z di Minimarket: Fokus pada Servicescape dan Strategi Harga
This study aims to analyze the factors influencing Generation Z's purchase intention at minimarkets, with a specific focus on servicescape and price discount strategies. Generation Z represents a significant consumer segment characterized by high expectations of store comfort and sensitivity to promotional pricing. A quantitative approach was employed using survey method with purposive sampling technique, involving 140 respondents aged 20-28 years who had shopped at Indomaret and Alfamart minimarkets in Muncar District, Banyuwangi Regency. Data were analyzed using multiple linear regression with IBM SPSS. The results indicate that servicescape has a positive and significant effect on Generation Z's purchase intention (t-count 6.771 > t-table 1.977; sig. 0.000). Price discounts also show a positive and significant influence (t-count 5.917 > t-table 1.977; sig. 0.000). Simultaneously, both variables significantly affect purchase intention (F-count 104 > F-table 3.06; sig. 0.000) with an adjusted R² value of 0.590, indicating that 59% of purchase intention is explained by these factors. Servicescape emerged as the dominant variable, suggesting that physical store environment plays a crucial role in encouraging Generation Z's buying interest, supported by attractive discount strategies. These findings provide practical insights for minimarket managers in developing store atmosphere and promotional strategies aligned with Generation Z characteristics.
Copyright (c) 2025 Muh. Romi Nur Yasin https://creativecommons.org/licenses/by-nc-sa/4.0
Analisis Komparatif Implementasi Akad Mudharabah: Sinkronisasi Praktik BMT dengan Perspektif Fiqih Klasik Imam Syafi’i
This study aims to analyze the implementation of mudharabah financing contracts at UJKS BMT Minhajut Thullab and compare it with the classical fiqh perspective of Imam Syafi'i. Using a qualitative approach with field research methods, data were collected through observation, in-depth interviews with managers and tellers, and documentation studies during a one-month field practice program. The results indicate that the financing procedure at BMT has formally fulfilled the principles of sharia contracts through stages of application submission, requirement verification, and mutual agreement. However, a fundamental discrepancy was found in the profit-sharing implementation mechanism, where the practice applied a fixed margin system (15% of the financing amount) resembling murabahah contracts, rather than a proportional profit-sharing system based on actual business results. This practice contradicts Imam Syafi'i's perspective which emphasizes that profit sharing must be in the form of a percentage of actual profits, not a fixed nominal amount determined at the beginning of the contract. The installment method implemented uses a flat system where total obligations are divided equally each month. This research contributes to the development of sharia economic practices by highlighting the gap between normative theory and practical implementation, as well as offering recommendations for aligning BMT practices with classical fiqh principles.
Copyright (c) 2025 Nila Jauharotun Nafisah https://creativecommons.org/licenses/by-nc-sa/4.0
Analisis Implementasi Manajemen Risiko Kredit dalam Memitigasi Kredit Bermasalah pada Lembaga Keuangan Mikro
This study aims to analyze the implementation of credit risk management in mitigating non-performing loans at BRI Unit Sumberberas, a microfinance institution in Banyuwangi. This research uses a qualitative approach with a case study method. Data were collected through observation, in-depth interviews with the Unit Head and credit officers, and documentation studies of credit reports for the period January to August 2021. The analysis refers to the four pillars of credit risk management: active supervision, policies and procedures, risk identification and measurement, and risk control. The results showed that BRI Unit Sumberberas has implemented credit risk management in accordance with Bank Indonesia regulations and the Company Manual. However, several obstacles were found including concurrent positions where marketing staff also serve as credit supervisors, inconsistent monitoring of debtors, and incomplete administrative documents that complicate insurance claims. The Non-Performing Loan ratio during the study period was still below the 5% tolerance limit set by Bank Indonesia. This research recommends the establishment of a special supervision division, separation of functions in credit administration, and consistency in implementing call reports to minimize credit risk in the future
Copyright (c) 2025 Elok Faikotul Ilmiyah https://creativecommons.org/licenses/by-nc-sa/4.0
Transformasi Bisnis Pesantren Berbasis Media Digital
This study examines the business transformation process of Islamic boarding schools through digital media-based units to achieve economic independence, focusing on the Santri Berasan (SB) Media unit at Pondok Pesantren Manbaul Ulum, Banyuwangi. Using a qualitative method with a phenomenological approach, data were collected through in-depth interviews, participant observation, and documentation involving key informants including the person in charge of SB Media, unit manager, internal and external employees, students, and consumers. The findings reveal that the business transformation occurred gradually, beginning with live streaming of routine religious studies using simple equipment, evolving into a professional digital media service unit serving both internal boarding school needs and the broader community. This transformation encompasses structural, functional, and organizational changes adapting to technological developments. The pesantren plays three critical roles: as facilitator providing material and immaterial support, as supervisor ensuring alignment with Islamic values, and as director maintaining strategic vision alignment. Despite challenges including limited equipment and non-optimal training programs, the entrepreneurial spirit and continuous innovation of students have driven business growth. The transformation has enhanced the pesantren's economic independence through cost efficiency in internal promotions, external income from public services, and strengthened institutional reputation attracting new students. This research contributes to the theoretical development of Islamic boarding school economic empowerment and offers practical insights for similar institutions seeking digital transformation strategies.
Copyright (c) 2026 Indana Zulfa, Yuli Dwi Yusrani Anugrah https://creativecommons.org/licenses/by-nc-sa/4.0
Komunikasi Persuasif dan Perilaku Pengambilan Keputusan Debitur: Analisis Akuisisi Mikrokredit KUPEDES di Perbankan Pedesaan
This study aims to analyze communication strategies in increasing debtors for KUPEDES loans at BRI Unit Tembokrejo and to examine the procedures for providing KUPEDES loans. This research uses a qualitative method with a case study approach. Data were collected through in-depth interviews, participant observation, and documentation studies involving the Unit Head, Mantri (Account Officer), Customer Service, and debtors. The results showed that BRI Unit Tembokrejo implements O'har's strategic communication theory through three main areas: situational knowledge (understanding the context and applying banking service ethics), goal determination (identifying problems, determining strategies, and allocating resources), and communication competence (message delivery skills with appropriate message types and delivery styles). The communication strategy implemented includes a persuasive approach by Mantri who directly go to the field, maximizing product advantages while minimizing weaknesses, and building commitment between bank officers and prospective debtors. The KUPEDES loan provision procedure goes through several stages: application submission by prospective debtors to Customer Service, file completeness checks, field surveys by Mantri, decision making by the Unit Head, agreement signing, and fund disbursement by Teller. Supporting factors for this communication strategy include flexible operational survey time, adequate operational vehicles, smooth budget, and human resource discipline. The obstacles faced include competition from other financial institutions and the existence of KUR products from BRI itself. This research contributes to the development of strategic communication theory in the context of microfinance institutions and provides practical implications for banking institutions in designing effective communication strategies to increase debtors.
Copyright (c) 2026 Siti Faikhotun Ni’mah, Azy Athoillah Yazid, Cindy Charisma Satriyo https://creativecommons.org/licenses/by-nc-sa/4.0
Implikasi Perilaku Konsumtif dan Faktor Sosial Terhadap Manajemen Keuangan Santri
This study aims to investigate the implications of consumptive behavior and social factors on the financial management of female students (santriwati) at the Manbaul Ulum Islamic Boarding School in Banyuwangi. Amid the prevalence of consumptive behavior among adolescents and the strong influence of the social environment, many large Islamic boarding schools in the Banyuwangi region have implemented structured financial management systems such as e-money; however, the Manbaul Ulum Islamic Boarding School has not yet adopted such a system. This quantitative research employed a survey method using questionnaires distributed to 86 respondents selected through simple random sampling and snowball sampling techniques. Data were analyzed using multiple linear regression with the assistance of SPSS version 26. The research findings indicate that both partially and simultaneously, consumptive behavior and social factors do not have a significant effect on students' financial management. The coefficient of determination (R²) value of 0.014 indicates that only 1.4% of the variance in financial management is explained by these two variables, while the remaining 98.6% is influenced by other unexamined factors. This study concludes that within the unique context of Islamic boarding schools that emphasize religious values, simplicity, and discipline, external factors such as social influence and consumptive tendencies are mitigated by more dominant internal controls.
Copyright (c) 2025 Rahma Karina, Nurul Kharisma https://creativecommons.org/licenses/by-nc-sa/4.0
Strategi Komunikasi Pemasaran dalam Meningkatkan Kualitas Layanan pada Industri Percetakan: Studi Kasus pada Minhajut Thullab Corporate Center (MCC)
The global printing industry is undergoing significant post-pandemic transformation, requiring businesses, including Islamic boarding school businesses like Minhajut Thullab Corporate Center (MCC), to adapt not only to technology but also to marketing communication strategies and service quality. Objective: This study aims to analyze marketing communication (public relations) strategies for improving service quality and identify the supporting and inhibiting factors faced by MCC in Banyuwangi. This study used a descriptive qualitative approach with a case study at MCC. Data were collected through participant observation, in-depth interviews with managers and employees, and documentation. Data analysis followed the Miles and Huberman model, which includes data reduction, data presentation, and conclusion drawing. The research findings indicate that MCC's marketing communication strategy still relies on simple media such as WhatsApp and banners. Nevertheless, MCC has implemented the five dimensions of service quality (tangibles, reliability, responsiveness, assurance, empathy) quite well. Key supporting factors include adequate equipment for small-scale businesses and a familial relationship with customers, while inhibiting factors are limited human resources and reliance on third parties for large-scale orders. An effective marketing communications strategy, even using simple media, contributes to improving service quality at MCC. Strengthening human resources and diversifying communication channels are key to future business development.
Copyright (c) 2026 Ulfa Tri Umami, Yuli Dwi Yusrani Anugrah https://creativecommons.org/licenses/by-nc-sa/4.0
Optimasi Volume Penjualan melalui Strategi Personal Selling Proaktif pada Industri Manufaktur Kayu Lapis
The plywood manufacturing industry faces intense competition, requiring effective marketing strategies to boost sales. While digital marketing is prevalent, direct interpersonal approaches remain crucial in business-to-business contexts. This field practice research employed a qualitative case study approach at PT. Maju Jaya Sejahtera, a plywood manufacturer in Banyuwangi, East Java. Data were collected through participatory observation in door-to-door marketing activities, in-depth interviews with marketing staff and management, and documentation analysis of sales records, invoices, and delivery orders from January to December 2020. The company implemented a proactive personal selling strategy characterized by direct customer visits, product sampling, transparent pricing, and post-sales silaturahim (relationship maintenance). This approach addressed local market needs for quality assurance and trust, while export markets were served through separate international partnerships. Sales data indicated a 60% increase in 2020 compared to 40% in the previous year, despite pandemic-related disruptions. Proactive personal selling effectively builds customer trust and loyalty in the plywood industry, particularly when combined with consistent relationship maintenance and product quality demonstration. The strategy's success suggests that manufacturing firms should integrate direct selling approaches with digital presence for optimal market penetration.
Copyright (c) 2026 Nuzula Nuriam Fatma, Alfiatur Rahmah https://creativecommons.org/licenses/by-nc-sa/4.0
Literasi Keuangan Syariah dan Keputusan Menabung di Bank Syariah: Sebuah Tinjauan Sistematis dan Agenda Riset Masa Depan
This study aims to systematically synthesize empirical evidence on the role of Islamic financial literacy in saving decisions at Islamic banks, identify the mediating and moderating mechanisms that strengthen this relationship, and formulate a future research agenda in the context of the digital transformation of Islamic banking. This research employs a Systematic Literature Review (SLR) approach following the PRISMA (Preferred Reporting Items for Systematic Reviews and Meta-Analyses) guidelines. Literature searches were conducted in the Scopus, Web of Science, Google Scholar, and nationally accredited journal databases for the period 2010–2025. A total of 257 articles were identified, and after screening and quality assessment, 48 articles met the inclusion criteria and were analyzed thematically. The synthesis results indicate that Islamic financial literacy consistently has a positive and significant effect on saving decisions in Islamic banks across various contexts and respondent segments. This effect is mediated by trust and strengthened by religiosity as a moderating variable. Emerging findings reveal that digital literacy, Islamic financial inclusion, and halal lifestyle are playing increasingly important roles, especially among Generation Z and millennials. However, research gaps remain regarding standardized measurements of Islamic financial literacy, longitudinal studies, and exploration of the role of Islamic financial technology (fintech) and artificial intelligence (AI). These findings imply the need for segmented Islamic financial literacy programs, integrated with strengthening trust and spiritual values, and supported by an educational digital ecosystem. Islamic banks, regulators, and educational institutions need to collaborate in designing holistic and sustainable interventions. This research contributes by presenting a comprehensive and up-to-date synthesis (2010–2025) that maps not only the direct influence of Islamic financial literacy but also the mediating and moderating mechanisms, as well as identifying future research directions in the digital era, which has been rarely undertaken in previous literature.
Copyright (c) 2025 Muchamad Iqbal Fatah https://creativecommons.org/licenses/by-nc-sa/4.0
Strategi Personal Selling dalam Upaya Meningkatkan Jumlah Anggota Koperasi Pondok Pesantren
Koperasi Pondok Pesantren (Koppontren) Bank Minhajut Thullab faces challenges in increasing the number of members amidst competition with conventional financial institutions and limited human resources in the marketing department. Objective: This study aims to analyze the implementation of personal selling strategies in increasing the number of members and to identify the obstacles faced by Koppontren Bank Minhajut Thullab in implementing these strategies. Methods: This research uses a qualitative approach with a case study method. Data collection techniques include participatory observation, in-depth interviews with the manager, teller, and two marketing officers, as well as documentation studies. Data analysis was carried out through the stages of reduction, presentation, and verification. Results: The research findings indicate that the personal selling strategy implemented includes: (1) Preparation through joint meetings to determine target locations; (2) Introduction of products through brochures and direct face-to-face promotions; (3) Convincing members by providing administrative discounts; (4) Building trust through service innovation; (5) Implementing the "jemput bola" (pick-up) system. Forms of personal selling applied include house-to-house selling, across-the-counter selling, and order taking. These strategies succeeded in increasing the number of members from 900 people in July to 922 people in September 2021. The obstacles faced include: limited marketing human resources (only 2 people), limited market coverage, public trust in small-scale cooperatives, difficulties in meeting members, and the absence of members during pick-up times. Conclusion: The personal selling strategy implemented has proven effective in increasing the number of members, although it still faces various classic obstacles common in small-scale Islamic financial institutions. This research contributes to the development of marketing strategies for sharia cooperatives in Islamic boarding school environments.
Copyright (c) 2026 Faridatul Mukaromah, Dhea Sartika https://creativecommons.org/licenses/by-nc-sa/4.0
Analisis Faktor-Faktor Yang Memengaruhi Minat Penggunaan E-Wallet Pada Mahasiswa: Perspektif Kemudahan Dan Fitur Layanan
The rapid development of financial technology (fintech), particularly electronic wallets (e-wallets), has transformed payment methods among university students. This study analyzes the factors influencing students' interest in using e-wallets, focusing on the perspectives of convenience and service features. A quantitative approach with an associative research design was employed. Data were collected through a questionnaire distributed to 67 students of STAI Darul Ulum Banyuwangi, selected using purposive sampling. Multiple linear regression analysis was used to test the hypotheses. The results indicate that both convenience and service features have a positive and significant effect on students' interest in using e-wallets, both partially and simultaneously. The service features variable was found to be the more dominant factor. These findings provide empirical insights for e-wallet providers to enhance their service features and maintain user-friendliness to boost user interest, particularly within the student segment.
Copyright (c) 2026 Rofi'ana Ilma Daniyah, Dhea Sartika https://creativecommons.org/licenses/by-nc-sa/4.0
Integrasi Strategi Public Relations dan Dimensi Service Quality dalam Meningkatkan Loyalitas Konsumen
This study aims to analyze the integration of public relations strategy and service quality dimensions in enhancing consumer loyalty in pesantren-based business units, as well as to identify the supporting and inhibiting factors in its implementation. A case study was conducted at Minhajut Thullab Corporate Center (MCC), a printing business unit owned by the Minhajut Thullab Islamic Boarding School Foundation in Banyuwangi, East Java. This research employed a qualitative approach with a case study method. Data were collected through in-depth interviews, participant observation, and documentation involving the manager, two employees, and one consumer as informants. Data analysis used the Miles and Huberman interactive model consisting of data reduction, data display, and conclusion drawing, with data validation through source and technique triangulation. The results showed that the public relations strategy at MCC was integrated with all five dimensions of service quality (tangibles, reliability, responsiveness, assurance, and empathy) through the utilization of WhatsApp media as the main communication tool and banners as offline promotional media. This integration contributed to increased consumer loyalty, reflected in the rise in the number of consumers from 88 people in 2018 to 1,247 people in 2022. Supporting factors for integration included equipment availability, consumer waiting areas, digital media, flexible pricing policies, and parking facilities. Inhibiting factors encompassed limited human resources, dependence on third parties, service complaints, bad debts, and service queues. This research contributes to the development of an integration model of public relations strategy and service quality in the context of pesantren-based business units, which remains underexplored in Islamic economics literature.
Copyright (c) 2026 Ulfa Tri Umami, Laily Hidayati Rosyidi, Cindy Charisma Satriyo https://creativecommons.org/licenses/by-nc-sa/4.0
Transformasi Digital Manajemen Arsip: Implementasi Bri Document Management System (Brimen) Dalam Efisiensi Pengelolaan Data Nasabah Kredit
The rapid advancement of digital technology has fundamentally transformed the banking sector, particularly in document management systems. PT Bank Rakyat Indonesia (Persero) Tbk has developed BRIMEN (BRI Document Management System) as a digital innovation to address challenges in managing credit customer documents. This study aims to analyze the implementation of BRIMEN in managing credit customer data at BRI Unit Sumberberas, Banyuwangi, and evaluate its benefits and obstacles in improving archival efficiency. This research employed a qualitative approach through Field Experience Practice (PPL) conducted from December 5 to December 30, 2022. Data collection techniques included direct observation, in-depth interviews with three key informants (Customer Service, Mantri, and BRIMEN admin), and documentation study of 1,596 credit customer records. The implementation of BRIMEN at BRI Unit Sumberberas began in January 2022, successfully digitizing 1,596 credit customer documents throughout the year. The system implementation follows a seven-stage procedure: manual data entry, document scanning, BRIMEN menu input, folder creation, data uploading by CS and Mantri, approval by the unit head, and address input until finishing stage. BRIMEN implementation provides significant benefits including enhanced document security, improved search efficiency, reduced physical storage space, and creation of new employment opportunities. However, challenges persist including network instability, time constraints, double data entry requirements, limited facilities, and inability to correct input errors. This research contributes to the understanding of digital transformation in banking archival systems and offers practical recommendations for optimizing BRIMEN implementation.
Copyright (c) 2026 Vinda Nur Hidayah, Dwi Tika Wulan Sari https://creativecommons.org/licenses/by-nc-sa/4.0
Transformasi Digital di Baitul Maal wat Tamwil (BMT): Analisis Penggunaan Aplikasi U-Mobile SIBMT terhadap Efisiensi Pelayanan
Digital transformation has become a necessity for Sharia microfinance institutions to maintain competitiveness and improve service delivery in the modern era. This study aims to analyze the implementation and impact of the U-Mobile SIBMT application at BMT Al Yaman, focusing on how this digital tool enhances operational efficiency and service quality. Using a qualitative case study method, data were gathered through field observations, interviews with management and staff, and document reviews during the internship period. The results demonstrate that the adoption of U-Mobile SIBMT has successfully streamlined operational workflows, particularly for Account Officers, by enabling real-time transaction processing and eliminating manual, paper-based recording. This shift has significantly reduced transaction times for members and minimized data entry errors, fostering greater transparency and professional service. The study concludes that the integration of mobile-based technology is a critical factor in the digital transformation of Baitul Maal wat Tamwil (BMT). Such advancements not only optimize internal efficiency but also elevate member satisfaction, ensuring the long-term sustainability of Islamic microfinance institutions in an increasingly digital environment.
Strategi Perlindungan Data Pribadi Nasabah Terhadap Ancaman Social Engineering Pada Layanan Mobile Banking
The rapid adoption of mobile banking in Indonesia has been paralleled by an increase in digital financial crimes, particularly those leveraging social engineering tactics to compromise customer personal data. This study investigates the strategies employed by PT Bank Rakyat Indonesia (BRI) KCP Muncar to protect customer personal data from mobile banking fraud, specifically focusing on social engineering threats. A qualitative case study approach was utilized, with data collected through in-depth interviews with bank personnel (including the Branch Manager and Customer Service), direct observation during a one-month internship, and analysis of relevant documents and digital platforms. The findings reveal a landscape of evolving fraud modus operandi, including phishing, vishing, and impersonation scams. The bank's protective strategy is primarily preventive, focusing on continuous customer education through direct interaction, telemarketing, and in-app notifications, emphasizing the confidentiality of credentials like OTP and PIN. However, a critical gap exists in remedial action, as the bank cannot recover financial losses when customer negligence is involved. This research underscores the necessity of a shared responsibility model, combining institutional safeguards with enhanced customer digital literacy. The study contributes to the discourse on consumer protection in the digital banking era and highlights the need for more robust, responsive mechanisms to address the aftermath of successful social engineering attacks.
Copyright (c) 2025 Rofi’ana Ilma Daniyah https://creativecommons.org/licenses/by-nc-sa/4.0
Keputusan Pembelian Produk Halal Pengaruh Relatif Harga Dan Promosi Pada Negara Berkembang
This study examines the influence of price and promotion on consumers’ purchase decisions for halal-certified products, using the case of Halal Network International (HNI) products in Malang Regency, Indonesia. A quantitative research design was employed, involving 100 respondents selected through purposive sampling. Data were collected via structured questionnaires and analyzed using multiple linear regression with Eviews software. The findings reveal that price does not significantly affect purchase decisions (t = 1.156, p > 0.05), whereas promotion has a significant positive effect (t = 8.881, p < 0.001). The F-test results indicate that price and promotion simultaneously influence purchase decisions (F = 123.01, p < 0.001). These findings contribute to the understanding of halal product marketing in Muslim-majority contexts and offer practical insights for firms aiming to enhance consumer engagement through promotional strategies.
Copyright (c) 2024 Sri Mulyani, Azy Athoillah Yazid, Ariyanto https://creativecommons.org/licenses/by-nc-sa/4.0
Paradigma Tingkat Kesadaran Hukum Ekonomi dalam Keluarga
Legal economic awareness within the family is a crucial foundation in building a society that adheres to the rule of law and achieves economic justice. The family, as the smallest unit of society, plays a strategic role in instilling economic values and behaviors that align with prevailing legal provisions. This study aims to examine the paradigm of the level of legal economic awareness in the family by analyzing the influencing factors, the indicators of legal economic awareness, and the efforts to enhance it. This research is a normative or doctrinal legal study employing statutory and conceptual approaches. The sources of legal materials consist of primary, secondary, and tertiary legal materials collected through library research and analyzed using descriptive qualitative methods. The findings indicate that the level of legal economic awareness within the family can be measured through four indicators: knowledge of economic law, understanding of economic law, attitude towards economic law, and behavior in accordance with economic law. The influencing factors include knowledge of legal economic provisions, recognition of these provisions, appreciation for them, and compliance with them. The low level of legal economic awareness in families is caused by minimal dissemination of regulations, weak law enforcement, and the suboptimal state of legal economic education. Improvement efforts can be undertaken through two approaches: action, in the form of supervision and law enforcement, and education, conducted formally in schools and non-formally through public outreach programs. A family-based approach is key to successfully building robust and sustainable legal economic awareness
Copyright (c) 2024 Hasiyati ningsih https://creativecommons.org/licenses/by-nc-sa/4.0
Implementasi Manajemen Sumber Daya Insani Berbasis Syariah di Pemerintahan Desa
This study aims to analyze the implementation of Sharia-based human resource management (HRM) in the Sumberdawesari Village Government, Pasuruan Regency. Given that human resources are a key element in achieving organizational goals, the application of Sharia principles in their management is essential, particularly in public institutions that serve the community. This research employs a qualitative approach with a descriptive method. Primary data were obtained through in-depth interviews with village officials, direct observation, and documentation, while secondary data were derived from relevant literature reviews. Data analysis was conducted using the Miles and Huberman model, encompassing data reduction, data presentation, and conclusion drawing. The findings reveal that the implementation of Sharia-based HRM in the Sumberdawesari Village Government has been relatively effective. This is reflected in three main aspects: first, the application of Islamic values in public services, which includes the implementation of the 5S principles (salam, senyum, sapa, sopan, santun), the obligation for female employees to wear headscarves, and the enforcement of principles of justice, honesty, responsibility, transparency, and trustworthiness (amanah). Second, the recruitment process prioritizes local villagers with age requirements ranging from a minimum of 20 years to a maximum of 42 years and a minimum educational qualification of senior high school or equivalent, without gender discrimination. Third, the implementation of regular employee training and competency development, as well as a fair compensation system commensurate with job responsibilities. This study concludes that Sharia-based HRM at the village government level not only contributes to improving the quality of public services but also strengthens religious and ethical values within the village bureaucracy.
Copyright (c) 2024 AHMAD DANI TAUFIK HIDAYAT Dani https://creativecommons.org/licenses/by-nc-sa/4.0
Analisis Komparatif Prinsip Bunga dan Bagi Hasil pada Produk Tabungan Perbankan Konvensional dan Syariah di Indonesia
The dual banking system in Indonesia comprises conventional banks operating on interest-based principles and Islamic banks adhering to profit-sharing mechanisms. This distinction is particularly evident in savings products, where the fundamental difference lies in the compensation structure offered to customers. This study aims to conduct a comparative analysis of the interest and profit-sharing principles applied to savings products in conventional and Islamic banks in Indonesia. Employing a library research method, this study reviews relevant literature, including academic journals, books, banking regulations, and previous research, to examine the conceptual and operational differences between the two principles. The analysis reveals that conventional banks provide fixed or floating interest payments to savings customers, where the bank bears full responsibility for fund management while customers receive predetermined returns regardless of the bank’s actual performance. In contrast, Islamic banks apply a profit-sharing mechanism based on mudharabah contracts, where returns are variable and directly linked to the actual earnings generated from the investment of pooled funds. This system entails shared risk between the bank and the customer, aligning with Islamic ethical principles of justice and transparency. The study concludes that the fundamental divergence between the two systems lies in the nature of returns (fixed vs. variable) and the allocation of risk (borne solely by the bank vs. shared jointly). These findings contribute to a deeper understanding of the distinct value propositions offered by conventional and Islamic banking institutions and provide insights for policymakers and practitioners in developing more inclusive financial products that cater to diverse customer preferences
Copyright (c) 2024 Nuril Aini Nuril https://creativecommons.org/licenses/by-nc-sa/4.0
Segmentasi Pasar dan Strategi Peningkatan Nasabah pada Lembaga Keuangan Mikro Syariah
Copyright (c) 2024 Konita Mardia https://creativecommons.org/licenses/by-nc-sa/4.0
Analisis Manajemen Produksi Pada Usaha Mikro, Kecil Dan Menengah (UMKM) Di Indonesia
The goal of the study is to describe how operational management theory is used in a micro, small, and medium enterprise's production process. Using qualitative research techniques, Richar L. Darft's theory on operational management and Jay Heizer and Barry Render's theory on production were developed through a literature review. methods for gathering data with documentation studies. Techniques for processing data that include reduction, data visualization, and conclusion-drawing. the triangulation of sources with data validity approach. The findings revealed that The process of generating products or services is referred to as production. Operational management of production is a method of using available resources to produce goods that are useful to micro, small, and medium-sized businesses. It entails the following activities: production planning, which entails planning materials and product manufacturing processes; organizing the production process, which entails dividing the equipment, materials, and labor; directing the production process, which entails enforcing work product quality; and controlling the production process.
Copyright (c) 2023 Inud Danis Ikhwan Meranti, Laily Hidayati Rosyidi https://creativecommons.org/licenses/by-nc-sa/4.0
Telaah Perilaku Konsumtif Generasi Z Terhadap Online Shop Menurut Perspektif Konsumsi Islam
This journal aims to research the consumer behavior of generation Z when shopping on the marketplace from an Islamic perspective with a qualitative methodology using a library research approach. This research explores various media facts about the perspective of generation Z's consumption behavior towards online shops. Generation Z is the biggest consumer in online shops, this is because of ease of access and also freedom in shopping. However, this fact actually makes generation Z become consumptive in shopping at online shops. This consumptive behavior is contrary to the consumption perspective in Islam. Islam teaches behavioral procedures for balanced consumption. In an Islamic perspective, it explains that the basis of consumption and consumption behavior in Islam focuses on fulfilling basic needs. Even though you have abundant wealth, if its use is not managed well and based on measurable benefits, prosperity will fail. Research is limited in analyzing the consumer behavior of generation Z globally, not yet at the stage of refinement in a deeper and more specific scope
Copyright (c) 2023 zainal aris masruchi https://creativecommons.org/licenses/by-nc-sa/4.0
Kontekstual Softskill Santri Melalui Ekonomi Kreatif Pesantren
This journal aims to research the development of Santri Softskills through the Creative Economy at the Darul Ulum Islamic Boarding School, Lumajang. This research explores the development of students' soft skills at the Darul Ulum Islamic Boarding School using a field approach. Data was obtained by interviewing informants such as boarding school leaders, teachers and students. Darul Ulum Lumajang Islamic Boarding School strategically integrates creative economic empowerment into its curriculum, which aims to foster an entrepreneurial spirit among students. This involves a flexible learning program, involving a variety of entrepreneurial activities such as cooperatives, sewing, embroidery and handicrafts. Leadership plays a critical role, providing unwavering support and direct involvement in managing creative initiatives. The environment fosters appreciation of students' potential, creating an effective platform for them to explore and implement creative economic endeavors. Factors that contribute to the success of this program include strong leadership, an empowering environment, and active alumni involvement, mentoring and supporting students in marketing and production. Despite challenges such as lack of interest in training and increasing competition, Islamic boarding schools aim to overcome these obstacles through a strong mental attitude, seeking divine guidance, and facing challenges with courage. Through this strategy, the Darul Ulum Lumajang Islamic Boarding School seeks to empower students with various skills, foster entrepreneurship and creativity
Copyright (c) 2023 Azy Athoillah Yazid https://creativecommons.org/licenses/by-nc-sa/4.0
Implementasi Akad Murabahah Pada Produk Pembiayaan KPR Di BTN Syariah Jombang Dalam Mensejahterakan Masyarakat
BTN Syariah adalah salah satu bank syariah yang menerapkan akad murabahah dalam produknya yaitu KPR. Tujuan dari penelitian ini adalah untuk mengetahui implementasi akad murabahah pada produk pembiayaan KPR di BTN Syariah dalam mensejahterakan masyarakat. Metode dalam penelitian menggunakan pendekatan kualitatif dengan teknik pengumpulan data menggunakan data sekunder dan primer. hasil penelitian ini menunjukkan implementasi akad murabahah dalam produk KPR dapat memberikan manfaat bagi masyarakat yang sebelumnya kesulitan dalam membeli rumah secara tunai, namun dengan adanya pembiayaan perumahan dengan akad murabahah masyarakat dapat membeli rumah dengan cara mudah yaitu dengan cara mengkredit dengan angsuran tetap dan jangka waktu yang lama Kata Kunci: Akad Murabahah, KPR, Kesejahteraan Masyarakat.
Copyright (c) 2023 firda firdanurhaqiqi https://creativecommons.org/licenses/by-nc-sa/4.0
Filantrophy Islam : Studi Zakat Adalah Pajak Dimensi Ibadah Sosial Perpektif Farid Masdar F Mas’udi
Permasalahan kemiskinan merupakan akibat dari distribusi pendapatan dan kekayaan yang tidak merata di tengah-tengah masyarakat kita. Pemikiran ekonomi selama ini merumuskan dan memberikan solusi bagaimana kemiskinan terjadi dan dapat dilihat dari beberapa aspek tidak terkecuali sosial ekonomi. Zakat dapat menjadi instrumen kesejahteraan ekonomi dan sosial bagi umat, serta kedudukan pajak yang tidak kalah pentingnya sebagai salah satu sumber pendapatan negara. Pajak dan zakat, jika dipadukan dalam sebuah konsep dan aturan hukum yang jelas, diyakini dapat meningkatkan perekonomian Indonesia. Tulisan ini merupakan kajian berbasis literatur, dengan mengangkat tema “Mengkaji Dimensi Sosial Zakat Ibadah Dalam Perspektif Al-Quran”. Dalam tulisan ini terdapat tiga pertanyaan: Pertama, bagaimana konsep Zakat. Kedua, konsep Bagaimana Pajak. Ketiga, Bagaimana pandangan Zakat Pajak dalam perspektif Al-Quran.
Copyright (c) 2023 Sri Wahyunita, Nuril Laila Maghfuroh, Sopiyatun Islamiyah https://creativecommons.org/licenses/by-nc-sa/4.0
Implementasi Service Excellence Dunia Perbankan Syariah Dalam Perspektif Al-Qur’an
Service excellence merupakan salah satu upaya yang dilakukan oleh bank syariah untuk mempertahankan nasabah agar tetap loyal. Tujuan dari penelitian ini adalah untuk mengetahui bagaimana konsep dasar pelayanan prima atau service excellence menurut Al- Qur’an dan implementasi service excellence pada Perbankan Syariah berdasarkan Al-Qur’an. Metode yang digunakan dalam penelitian ini yaitu deskriptif kualitatif, jenis data yang digunakan yaitu data sekunder yang didapat dengan metode teknik kepustakaan yakni penulis mengumpulkan data melalui referensi, artikel, dan literatur yang sesuai dengan topik penelitian. Hasil dari penelitian ini yaitu al-quran telah menjelaskan konsep service excellence yang harus dilakukan oleh perbankan syariah yakni memberikan pelayanan kepada nasabah dengan mencontoh bagaimana Rasulullah SAW melayani pelanggan-nya ketika berdagang. Implementasi nilai-nilai konsep service excellence yang terdapat di dalam Al-Qur’an telah banyak dilakukan oleh perbankan syariah seperti bersikap ramah dan lemah lembut, menjaga penampilan dan kebersihan, berdo’a bersama sebelum memulai pekerjaan, dan lain sebagainya.
Service Excellence, Perbankan Syariah, Al-Quran
Copyright (c) 2023 Adek Nuriya Ade https://creativecommons.org/licenses/by-nc-sa/4.0
Strategi Bank Syariah Bersaing Dengan Pinjaman Online
Teknologi modern, khususnya bidang teknologi informasi yang berkembang pesat dan memiliki dampak yang signifikan terhadap kehidupan manusia. Kemajuan teknologi informasi memberikan sejumlah manfaat dan kemudahan untuk melakukan berbagai aktivitas. Tahun 2022 akan melihat ledakan dalam teknologi keuangan, atau Fintech yang berjenis pinjaman peer-to-peer di Indonesia, terutama yang berkaitan dengan pinjaman online mengingat permintaan mereka yang tinggi. Otoritas Jasa Keuangan melaporkan peningkatan kredit Pinjaman Online (Pinjol) sebesar 18,86% pada juni 2023 sehingga totalnya mencapai Rp 52,7 miliar. Sedangkan capaian pertumbuhan kredit perbankan yang hanya sebesar 7,76%. Lembaga Penjamin Simpanan (LPS) berharap agar perbankan berhati-hati. Dan ini bukan hal yang mudah bagi Pinjol. Pertumbuhan kredit fintech peer-to-peer (P2P) lending sejatinya sudah melampaui pertumbuhan kredit industri perbankan secara nasional. Oleh karenanya, pinjaman online dapat memberikan dampak negatif pada industri perbankan, dan khususnya pada perbankan syariah, yang notabene pangsa pasarnya masih kecil, sehingga akan semakin kecil lagi karena nasabah-nasabahnya beralih ke aplikasi pinjol, jika tidak ada perubahan strategi yang dilakukan olehnya. Penelitian ini bertujuan untuk mambahas strategi perbankan syariah dalam menghadapi pinjaman online, dengan jenis penelitian kajian kepustakaan dengan pendekatan deskriptif-analitis. Hasil penelitian menunjukan bahwa, perbankan syariah harus meningkatkan teknologi dan layanan kepada para nasabahnya, memudahkan proses pembiayaannya, serta memberikan kenyamanan dan kecepatan dalam setiap transaksinya.
strategi 1; bank syariah 2; pinjaman online
Copyright (c) 2023 Silda labibi silda https://creativecommons.org/licenses/by-nc-sa/4.0
Pengaruh Media Promosi Perbankan Syariah Terhadap Minat Menabung Masyarakat Di Bank Syariah
Tujuan penelitian ini adalah mencoba untuk mengetahui bagaimana media promosi perbankan syariah yang berpengaruh dalam menarik minat masyarakat untuk menabung di bank syariah. Promosi adalah sarana yang paling ampuh untuk menarik dan mempertahankan nasabah. Media promosi yang digunakan oleh perbankan syariah dalam penelitian ini terbagi 4, yaitu: media koran, media brosur, media televisi, dan media internet. Metode yang digunakan dalam penelitian ini adalah metode kuantitatif dengan teknik analisis regresi linier berganda. Adapun data yang digunakan dalam penelitian ini adalah dat proper berupa kuesioner yang disebarkan kepada masyarakat dan dibantu dengan program computer SPSS (Statistical Package For Social Science) Versi 23. Berdasarkan analisis sementara dalam pelitian ini variabel koran, variabel televisi, dan variabel internet secara signifikan mempengaruhi dalam minat masyarakat dalam menabung di bank syariah dan meliliki konteribusi besar.
Copyright (c) 2023 Aqidatus Sholikha https://creativecommons.org/licenses/by-nc-sa/4.0
Traders in Magelang City are the tip of a business, as well as the area that should be easiest to develop. All businesses are related to trade. Trade is no sales no business. There is no business that does not start with sales or trading. This logical principle should apply to the fate of all traders, the majority of whom are women in traditional markets, MSMEs and cooperatives in Magelang City. For recommendations on Regional Regulation (Regional Regulation) no. 7 of 2013 is better changed. The reason is that the foundation is actually quite strong. But the implementation has deviated a lot and there is no support for the people and small traders. In the evaluation portrait of Laws, Presidential Decrees, Government Regulations, Ministerial Regulations, Gubernatorial Regulations, Regional Regulations, linear regulations, what the researchers studied can be concluded specifically that the definition of people's economy in Traditional Markets contains 3 (three) elements, including: (a) Traditional Markets itself which can also be called the People's Market, (b) MSMEs, and (c) Cooperatives. It is hoped that these three elements will be taken as the main role by the Village in its Village Regulations (Village Regulations) as collective partisan measures (not personal practices). The results of this research show that there are 10 aspects that need to be changed or improved in the arrangement of traditional markets, shopping centers and modern shops in accordance with Regional Regulation No. 07 of 2013 concerning the arrangement and development of traditional markets (people's markets), shopping centers and modern shops.
Copyright (c) 2023 Laily Hidayati Rosyidi, Inud Danis Ikhwan Meranti https://creativecommons.org/licenses/by-nc-sa/4.0
Transaksi Marketpalace dalam Sudut Pandang Ekonomi Islam
Marketplaces, with their innovations in facilitating transactions, have had a significant impact on how consumers shop and how businesses operate. This research aims to investigate and analyze the phenomenon of buying and selling in the marketplace, including the dynamics, challenges and opportunities that arise. This study will also highlight the role of technology in facilitating the buying and selling process, as well as its impact on consumer behavior, business models, and changes in the global economic order. This research discusses the sharia economic perspective on buying and selling in the marketplace using the literature review method. The data in this research was taken from scientific studies in the form of journals published in the period 2022 to 2023 using content and thematic analysis techniques. The research results show that the concept of buying and selling in Islamic economics in the marketplace consists of halal and haram, aqad legality and contracts in the Marketplace, justice in prices, prohibition of usury, principles of social responsibility, uncertainty, gambling, and justice in policy, clarity of goods, fairness in transactions, freedom and agreement.