Article Per Year (5 Year)
p-Index From 2021 - 2026
0.408
P-Index
This Author published in this journals
All Journal ICO EDUSHA
Wiwit Mustafidah
Universitas KH. Mukhtar Syafaat Banyuwangi
Religion Humanities Economics, Econometrics & Finance Education Social Sciences Other

Published : 2 Documents Claim Missing Document
Claim Missing Document
Check
Articles

Found 2 Documents
Search

 1 
Cross-Selling Sharia Gold Savings: A Hedging Strategy for Hajj Financial Risk Mitigation Iska Nur Mawarda Mawarda; Lely Ana Ferawati Ekaningsih; Wiwit Mustafidah
ICO EDUSHA Vol. 6 No. 1 (2025): Proceedings of International Conference On Islam Educationm Management and Shar
Publisher : STAI AN-NAJAH INDONESIA MANDIRI

Show Abstract | Download Original | Original Source | Check in Google Scholar

Abstract

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.
The Effectiveness Of The Baznas Program Of Banyuwangi Regency In Improving Community Welfare Vina Wafiatul Fauziah; Faiqotul Himmah; Wiwit Mustafidah
ICO EDUSHA Vol. 6 No. 1 (2025): Proceedings of International Conference On Islam Educationm Management and Shar
Publisher : STAI AN-NAJAH INDONESIA MANDIRI

Show Abstract | Download Original | Original Source | Check in Google Scholar

Abstract

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
Co-Authors Faiqotul Himmah Iska Nur Mawarda Mawarda Lely Ana Ferawati Ekaningsih Vina Wafiatul Fauziah