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Siti Amirah Makarim
STIE Latifah Mubarokiyah Suryalaya Tasikmalaya
Decision Sciences, Operations Research & Management Economics, Econometrics & Finance

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Marketing Strategy to Increase Sales Volume: A SWOT-Based Analysis of a Sharia Multilevel Marketing Health Product Distributor Siti Amirah Makarim; Sani Haryati; Lati Sari Dewi
Miftah : Jurnal Ekonomi dan Bisnis Islam Vol. 4 No. 1 (2026): April 2026
Publisher : Yayasan Pondok Pesantren Sunan Bonang Tuban

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.61231/d3v48g19

Abstract

This study examines marketing strategies employed by a Sharia-based multilevel marketing health product distributor in Kendari to enhance sales performance. A descriptive qualitative methodology was applied, incorporating SWOT analysis through Internal Factors Analysis Summary (IFAS) and External Factors Analysis Summary (EFAS) matrices. Data were gathered via interviews, direct observation, structured questionnaires, and document review. Findings reveal that the distributor experienced a notable downturn in sales at the beginning of the observed period, despite operating in a market characterized by heightened health awareness during the COVID-19 pandemic. SWOT analysis identified internal strengths, particularly halal-certified products and a committed agent network, alongside weaknesses related to limited digital marketing adoption. External analysis highlighted growing consumer health consciousness as a key opportunity, while intensifying competition among Sharia-certified MLM companies posed the primary threat.
Factors Influencing Customer Interest in Adopting Online Banking Services: A Descriptive Study at BRI Unit Indihiang R. Hozin Abdul Fatah; Siti Amirah Makarim; Sani Haryati
Miftah : Jurnal Ekonomi dan Bisnis Islam Vol. 4 No. 1 (2026): April 2026
Publisher : Yayasan Pondok Pesantren Sunan Bonang Tuban

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.61231/wqep8s81

Abstract

This study examines the factors influencing customer interest in online banking (e-banking) adoption at PT Bank Rakyat Indonesia (Persero) Tbk. Unit Indihiang, analyzes the role of bank employees in promoting e-banking usage, and documents available e-banking services and their operational mechanisms. A descriptive qualitative method was applied, with primary data obtained through observation and semi-structured interviews, and secondary data via documentation and literature review. Findings reveal three core adoption drivers: knowledge (especially regarding device accessibility and risk awareness), trust (particularly data security and transaction notification reliability), and perceived usefulness (including time efficiency, transaction diversity, and cost reduction). Bank employees across all positions unit head, tellers, customer service officers, field officers, and security guards collectively constitute a multi-layered adoption ecosystem. These findings are intended to inform strategies for improving e-banking socialization and adoption at the branch level.
The Impact of Training and Human Resource Development on Healthcare Workers' Performance Taufik Hermansyah; Iwan Saputra; Lati Sari Dewi; Siti Amirah Makarim
Miftah : Jurnal Ekonomi dan Bisnis Islam Vol. 4 No. 1 (2026): April 2026
Publisher : Yayasan Pondok Pesantren Sunan Bonang Tuban

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.61231/20ygd606

Abstract

This study examines the effect of training and human resource development on healthcare workers' performance. The research is motivated by the importance of improving the quality of healthcare services through the enhancement of workforce competence and performance. The objectives of this study are to analyze the implementation of training programs, evaluate human resource development practices, assess healthcare workers' performance, and determine the influence of training and human resource development on healthcare workers' performance. This study employed a quantitative descriptive approach with a replicative research design. Primary data were collected through questionnaires using a Likert-scale measurement instrument. The sample consisted of 87 healthcare workers. Data were analyzed using multiple linear regression analysis. The findings indicate that training programs are implemented effectively, human resource development practices are conducted satisfactorily, and healthcare workers' performance is generally at a good level. Furthermore, the results show that training and human resource development have a positive and significant effect on healthcare workers' performance.  
Financial Performance Evaluation of Revolving Credit Management Organizations Iwan Sugianto; Iwan Saputra; Lati Sari Dewi; Siti Amirah Makarim
Miftah : Jurnal Ekonomi dan Bisnis Islam Vol. 4 No. 1 (2026): April 2026
Publisher : Yayasan Pondok Pesantren Sunan Bonang Tuban

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.61231/5bmjny62

Abstract

This study aims to analyze the financial performance of a revolving loan management unit over a three-year period. The research employed a quantitative descriptive approach. Data were collected from both primary sources through interviews and secondary sources through documentation and literature review. Financial performance was evaluated using four indicators: Cost Coverage (CCr), Return on Investment (ROI), Portfolio at Risk (PAR), and Loans at Risk (LAR).The findings indicate that the revolving loan management unit demonstrated satisfactory financial performance in terms of Cost Coverage (CCr), reflecting its ability to cover operational costs effectively. The Return on Investment (ROI) ratio also showed satisfactory results, indicating efficient utilization of financial resources. However, the Portfolio at Risk (PAR) ratio revealed less favorable performance due to the existence of non-performing loans that may affect portfolio quality. In addition, the Loans at Risk (LAR) ratio indicated a relatively low level of performance, suggesting the need for improved credit risk management and loan recovery strategies.
Co-Authors Iwan Saputra Iwan Sugianto Lati Sari Dewi R. Hozin Abdul Fatah Sani Haryati Taufik Hermansyah