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All Journal JURNAL ECONOMINA SEIKAT: Jurnal Ilmu Sosial, Politik dan Hukum
Muhammad Rasyad Al Fajar
Universitas Muhamadiyah Bima
Arts Economics, Econometrics & Finance Environmental Science Law, Crime, Criminology & Criminal Justice Social Sciences

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The Effect Of Promotion And Education In Increasing Public Interest In Choosing Indonesian Syariah Bank In Bima City Ira Indriyani; Muhammad Rasyad Al Fajar; Dinah Husniah
JURNAL ECONOMINA Vol. 5 No. 5 (2026): JURNAL ECONOMINA, Mei 2026
Publisher : LPPM Sekolah Tinggi Ilmu Ekonomi 45 Mataram

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.55681/economina.v5i5.2235

Abstract

This study aims to analyze the influence of promotion and education on public interest in choosing Islamic banking services, especially at Bank Syariah Indonesia in Bima City. The study uses a quantitative approach with an associative design to test the causal relationship between variables. The study population was 1,000 active customers of BSI KCP Bima Kartini, with a sample of 286 respondents determined using purposive sampling techniques and the Slovin formula with a 5% error rate. Data collection was carried out through a structured questionnaire and analyzed using inferential statistical techniques. The results showed that promotion had a positive and significant effect on public interest with a regression coefficient value of 0.421 and a significance value of 0.000. Education also had a positive and significant effect with a coefficient value of 0.368 and a significance value of 0.000. Simultaneously, promotion and education had a significant effect on public interest with a calculated F value of 58.421 and a coefficient of determination (R²) of 0.612, which means that both variables were able to explain 61.2% of the variation in public interest. These findings indicate that promotion acts as an external factor driving initial interest, while education serves as an internal factor shaping public understanding and trust. Therefore, integrating promotion and education is a crucial strategy for increasing public interest in Islamic banking. This research implies that strengthening Islamic financial literacy and effective communication strategies are necessary on an ongoing basis to optimize the development of the Islamic banking industry at the local level.
Analisis Pelaksanaan Program Keluarga Harapan (Pkh) Terhadap Peningkatan Pendapatan (Studi Kasus Di Desa O’o Kacamatan Donggo Kabupaten Bima) Nur Cahya Amaliah; Husnatul Mahmudah; Muhammad Rasyad Al Fajar
SEIKAT: Jurnal Ilmu Sosial, Politik dan Hukum Vol. 5 No. 3 (2026): SEIKAT: Jurnal Ilmu Sosial, Politik dan Hukum, Juni 2026
Publisher : LPPM Sekolah Tinggi Ilmu Ekonomi 45 Mataram

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.55681/seikat.v5i3.2441

Abstract

Penelitian ini bertujuan untuk menganalisis pelaksanaan Program Keluarga Harapan (PKH) terhadap peningkatan pendapatan masyarakat di Desa O’o Kecamatan Donggo Kabupaten Bima. PKH merupakan program bantuan sosial bersyarat dari pemerintah yang ditujukan untuk meningkatkan kesejahteraan keluarga miskin melalui dukungan di bidang pendidikan, kesehatan, dan ekonomi keluarga. Penelitian ini menggunakan metode penelitian kualitatif dengan pendekatan deskriptif. Teknik pengumpulan data dilakukan melalui observasi, wawancara, dan dokumentasi dengan melibatkan pendamping PKH, pemerintah desa, serta masyarakat penerima manfaat. Hasil penelitian menunjukkan bahwa pelaksanaan PKH di Desa O’o telah berjalan cukup baik, ditandai dengan adanya penyaluran bantuan yang rutin serta pendampingan kepada keluarga penerima manfaat. Program ini memberikan dampak positif terhadap peningkatan pendapatan dan kesejahteraan masyarakat, terutama dalam membantu memenuhi kebutuhan pokok, biaya pendidikan anak, dan kebutuhan kesehatan keluarga. Namun demikian, penelitian ini juga menemukan beberapa kendala, seperti keterlambatan pencairan bantuan, rendahnya pemanfaatan bantuan untuk kegiatan produktif, serta masih adanya ketergantungan sebagian masyarakat terhadap bantuan sosial. Oleh karena itu, diperlukan penguatan pengawasan, pendampingan berkelanjutan, dan pemberdayaan ekonomi masyarakat agar pelaksanaan PKH dapat lebih efektif dalam meningkatkan kemandirian dan pendapatan keluarga penerima manfaat.
Co-Authors Dinah Husniah Husnatul Mahmudah Ira Indriyani Nur Cahya Amaliah