Jurnal Iqtisaduna

SWOT Analysis and Marketing Strategy for Health Talangan Products at KSPPS BMT Aman Utama Jepara

Diva Mustamar Sadid — 2024-08-07

The purpose of this study was to identify effective marketing strategies for Health Talangan products at KSPPS BMT Aman Utama Jepara using SWOT analysis (Strengths, Weaknesses, Opportunities, Threats). Health development in Indonesia is a collective effort to achieve optimal public health, which requires cross-sector collaboration and continuity from previous efforts. Despite increasing life expectancy, health challenges remain, especially with high rates of disease and the impact of the COVID-19 pandemic. Data from the Basic Health Research (Riskesdas) is used to form the Community Health Development Index, which assesses the health of each region. Jepara district, which has a low GPA in Central Java, faces challenges in improving health services. The Health Talangan product innovation by KSPPS BMT Aman Utama Jepara aims to reduce health costs for its members. This study aims to determine the right marketing strategy for the product by analyzing the existing strengths, weaknesses, opportunities, and threats. Combined with the calculation of IFAS (Internal Factors Analysis Summary) and EFAS weight values (External Factors Analysis Summary). This method also includes interviews, observations, and documentation. From the calculation with IFAS and EFAS approach, the marketing strategy of health food products is at the coordinate point of Quadrant I, which is entering into the classification of growth strategies.

Strategi Implementasi Manajemen Risiko Pembiayaan Pada KSPPS KSA “Kedung Salman Alfarizy” Jepara

Nadia Silfana — 2024-08-14

This research aims to explain the financing risk management strategy implemented by KSPPS KSA "Kedung Salman Alfarizy" Jepara. Sharia financing is increasingly in demand by various levels of society. This is in line with Sharia Microfinance Institutions (LKMS) which aim to provide financial services by Sharia principles to the public. Sharia Financing Savings and Loans Cooperative (KSPPS) is one of the institutions that offer financing on a micro-scale, providing financial support to individuals and businesses without violating Sharia principles. This research uses a qualitative approach from primary and secondary data with qualitative descriptive analysis techniques. This research concludes that preventive financing analysis steps are implemented based on the 5C principles: Character, Capacity, Capital, Collateral, and Economic Conditions. Apart from that, KSPPS KSA "Kedung Salman Alfarizy" Jepara implemented curative strategies such as monitoring, rescheduling, reconditioning, and restructuring to overcome problematic financing. To reduce the negative impact of problematic financing, it is important to empower the institution internally and provide education to members of KSPPS KSA "Kedung Salman Alfarizy" Jepara in maintaining a healthy organizational and financial balance.

Apakah Kegiatan Sosial Bank Syariah Meningkatkan Kesejahteraan Masyarakat?

Nofinawati Nofinawati — 2024-08-21

This study was conducted to describe the implementation of social activities of Islamic banks and to describe the impact of social activities on community welfare in Padangsidimpuan City. The phenomenon that made the author interested in studying this problem is the low number of implementations of social products in Islamic banks. This can be seen from the number of fund distributions using the Qardh contract which is less when compared to other contracts. This will certainly have an impact on the welfare of the community around the operational area of the Islamic bank. The author uses field research, qualitative methods with descriptive analysis. The implementation of social activities by Islamic banks in Padangsidimpuan City shows a strong commitment to community welfare, with various programs such as collecting and distributing zakat funds, qardhul hasan, educational scholarships, and responding to natural disasters. These activities have a positive impact in reducing economic pressure on the community and creating a sense of solidarity. However, these positive impacts tend to be temporary, and there are challenges faced in the management and distribution of aid. Limited authority in distributing social funds, strict aid requirements, and lack of effective communication are obstacles that must be overcome to increase the effectiveness of social activities. From the research results, it is seen that although Islamic banks are trying to carry out their social functions well, they need to pay attention to and overcome existing challenges so that these programs can provide more sustainable benefits to the community. This includes developing strategies that are more inclusive and responsive to community needs. Increasing transparency in the aid distribution process and active community participation are also very important to create trust and reduce dissatisfaction.

Analisis Ekonomi Syariah Terhadap Hubungan Patron-Klien Pada Jual Beli Gabah di Kabupaten Pinrang

Riska Jamal — 2024-09-25

This study aims to determine the analysis of Islamic economics on patron-client relationships in the sale and purchase of rice in Pinrang. This study is qualitative. Researchers conducted observations and interviews according to the main problem. The results of the study showed that the terms of sale and purchase had yet to be fully implemented in the transaction. The price used was based on the market price by the intermediaries. The scale deduction was reduced by 5-10 kg/sack according to the rice problem. The intermediaries imposed deferred payments. This happened because of the involvement of the patron-client relationship between farmers and intermediaries. As a result of the dependence between the two, they had a long-lasting and lasting relationship; farmers had an attitude of dependence, accepted low prices, and were easily exploited by intermediaries. Thus, the analysis of Islamic economics on the patron-client relationship in the sale and purchase of rice in Pinrang Regency is not in accordance with the provisions of Islamic economics because there is still injustice.

Understanding Compliance With Paying Zakat: Insights From Recent Literature

Saipul Azis — 2024-10-21

This study aims to understand zakat compliance through the latest literature review from 2020-2024. The method used is a literature study by collecting and analyzing data from relevant scientific articles. Data analysis uses content analysis to identify and categorize the main themes that emerge from the analyzed literature, as well as thematic analysis to identify recurring patterns or themes in the data. While the analysis tools use the Vosviewr application, Microsoft Excel and Mendeley. The results of the study show that the latest literature insights from 2020-2024 have 15 variables with the most appearances in publications on zakat, including attitudes 78 occurrences, knowledge 63 occurrences, zakat institutions 62 occurrences, income 55 occurrences, compliance behavior 52 occurrences, influence 52 occurrences, religiosity 52 occurrences, income zakat 43 occurrences, subjective norms 43 occurrences, trust 41 occurrences, awareness 34 occurrences, professional zakat 18 occurrences, self-efficacy 18 occurrences, BAZNAS 14 occurrences, and accountability 13 occurrences. By understanding the variables that influence the fulfillment of zakat, it is hoped that the level of fulfillment can increase, so that zakat collection will also increase. This will support the redistribution of wealth and facilitate poverty alleviation efforts.

Loyalitas Nasabah Pada Bank Syariah Indonesia: Peran Kualitas Pelayanan, Atribut Produk Islami, dan Citra Perusahaan

Andhira Juanita Pasya — 2024-11-03

This study aims to determine the effect of service quality, Islamic product attributes, and corporate image on customer loyalty with the aim of continuous improvement and customer balance at Bank Syariah Indonesia (BSI). The data type used in the study is quantitative, with primary data. The population used in this research were all Bank Syariah Indonesia customers in Surakarta. They were collected using questionnaires physically and online to Bank Syariah Indonesia (BSI) customers. The questionnaires collected were 138 respondents to be used as samples and then analyzed using SPSS 23. The analysis method used was multiple linear regression analysis. The research results showed: that (1) service quality has no effect on customer loyalty, (2) Islamic product attributes have an effect on customer loyalty, and (3) company image has an effect on customer loyalty.

Analysis of Public Understanding of the Halal Products of Bank Syariah Indonesia, Sungai Penuh City Branch

Adrian Pratama — 2024-11-04

The development of Indonesian Sharia Bank (BSI) is currently developing in Indonesia. Sharia banking provides benefits for the people of Sungai Penuh City, especially for those who are Muslim. The aim of using field research (empirical) like this is to assess the level of understanding of customers using BSI products at the Sungai Penuh City Branch using interview and observation methods. This research uses a qualitative descriptive method. The subjects used were customers of the BSI Sungai Penuh City Branch. The results of this research show that BSI customers' understanding of the Sungai Penuh branch regarding the halal and halal nature of BSI products is not yet fully understood, customers still think that BSI products are not much different from conventional banks. However, customers already understand about BSI products which are related to the element of usury.

Fenomena Praktek Ba’I An-Najasy di E-Commerce Perspektif Ekonomi Syariah

Denta Safitri — 2024-11-09

This research was conducted with the aim of analyzing the phenomenon of ba'i an-najasy on e-commere , namely comments that praise goods, even though they are not appropriate at the time of receipt of goods, this is done to increase sales. This type of research is qualitative, namely research based on descriptions of words and sentences that are carefully and methodically arranged, from data collection to interpretation and reporting of research findings. data collection using field research methods with interviews and participatory observation, where researchers are involved in the daily activities of the people observed. Thetype of data is primary data with data sources, namely information collected directly from the field, namely consumers who have made purchase transactions on e-commerce in Kerinci Regency and actively participate in buying and selling on e-commerce. The sample was determined using the snowball sampling method, the data was analyzed descriptively. The results showed that33 out of 40 consumers felt market engineering and although 7 people did not feel the same way, the problem of the phenomenon of ba'i an-najasy practice still often occurs among e-commerce users in the community in Kerinci Regency.

The Analysis of Macroeconomic Factors in The Sharia Stock Index Performance: Comparison Between Indonesia and Malaysia

Mar'atus Sholikah — 2024-11-13

This study aims to determine the effect of macroeconomic factors on the performance of the Sharia stock index in Indonesia and Malaysia during 2013-2018. The data source for this study is secondary. The data was collected using documentation and analysed using several linear regressions with the EVIEWS 8 program. The results of this study are that the exchange rate does not affect the performance of the Sharia stock index in Indonesia. In contrast, the exchange rate harms the performance of the Sharia stock index in Malaysia, meaning that the negative effect is supported when the currency depreciates, so that it will increase exports carried out by exporting companies. Inflation does not affect the performance of the Sharia stock index in Indonesia. However, in Malaysia, inflation positively affects the performance of the Sharia stock index, meaning that increasing inflation will increase the stock price index. Interest rates and production indexes do not affect the performance of the Sharia stock index in Indonesia and Malaysia.