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All Journal Ecobankers : Journal of Economy and Banking
Mohammad Ridwan
Sharia Economics Study Program, Faculty of Economics and Islamic Business, UI Bunga Bangsa Cirebon, Indonesia
Economics, Econometrics & Finance

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The Role of PT Danamas Insan Kreasi Andalan in Enhancing Community Economic Development: An Islamic Economic Perspective (Cirebon Branch) Siti Hartina; Gama Pratama; Ahmad Munajim; Mohammad Ridwan
Ecobankers : Journal of Economy and Banking Vol. 7 No. 1 (2026): Ecobankers : Journal of Economy and Banking
Publisher : Prodi Perbankan Syariah Fakultas Ekonomi dan Bisnis Islam Universitas Islam Bunga Bangsa Cirebon

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.47453/ecobankers.v7i1.4536

Abstract

This study aims to examine the role of PT Danamas Insan Kreasi Andalan in enhancing community economic development from an Islamic economic perspective, with a focus on the Cirebon branch. The research adopts a qualitative approach through observations, interviews, and document analysis to explore the company’s contributions to local economic empowerment. The findings indicate that PT Danamas Insan Kreasi Andalan plays a significant role in improving community welfare by providing accessible financial services and supporting small-scale businesses. From the perspective of Islamic economics, the company’s practices reflect fundamental principles such as justice, mutual benefit, and social responsibility. These values contribute to the creation of inclusive and sustainable economic growth within the community. However, the study also highlights the need for continuous improvement in service quality and outreach to maximize its impact. Overall, the company demonstrates strong potential in fostering community economic development aligned with Islamic economic principles.
Mudharabah Savings Scheme for Business Blessings in Increasing Customer Loyalty of KCP Bank Mega Syariah Cipto Cirebon Indri Nurliani; Gama Pratama; Mohammad Ridwan
Ecobankers : Journal of Economy and Banking Vol. 7 No. 1 (2026): Ecobankers : Journal of Economy and Banking
Publisher : Prodi Perbankan Syariah Fakultas Ekonomi dan Bisnis Islam Universitas Islam Bunga Bangsa Cirebon

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

Abstract

This study aims to find out the Mudharabah Scheme of Business Blessing Savings in Increasing Customer Loyalty of KCP Bank Mega Syariah Cipto Cirebon The method used is a qualitative method that is descriptive, where the method includes direct research in the field by collecting data through observation to the KCP Bank Mega Syariah Cipro Cirebon then interviewing the resource persons, namely Bank employees and customers who use the Business Blessing Savings Account. And conducting documentation to the relevant part to complete the information in this study. The results of this study stated that the Mudharabah contract scheme for Business Blessing Savings at Bank Mega Syariah KCP Cipto Cirebon has an important role in increasing customer loyalty. The implementation of the Mudharabah contract scheme and maintaining communication with customers brings a number of benefits to customers, such as flexibility in fund management and fair distribution of profits. Bank Mega Syariah KCP Cipto Cirebon is responsible for the investment capital invested by Tabungan Berkah Bisnis customers in accordance with the previously agreed proportions.
Co-Authors Ahmad Munajim gama pratama Indri Nurliani Siti Hartina