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

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Islamic-Based Digital Marketing Strategy In Improving The Welfare Of Business Actors At Annisa Cirebon Store Gama Pratama; Puput Indriyani; Muhammadun
Ecobankers : Journal of Economy and Banking Vol. 7 No. 2 (2026): Ecobankers : Journal of Economy and Banking
Publisher : Prodi Perbankan Syariah Fakultas Ekonomi dan Bisnis Islam Universitas Islam Bunga Bangsa Cirebon

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This study aims to analyze the application of Islamic-based digital marketing strategies in improving the welfare of business actors in Toko Annisa, a Muslim fashion business located in Astanalanggar Village, Losari District, Cirebon Regency. Marketing digitalization encourages micro, small and medium enterprises to use social media as a means of promotion, while the values of honesty, trust, openness, and fairness remain the foundation that must be maintained so that business activities do not leave the sharia corridor. This study uses a qualitative approach with a descriptive case study design. Data was collected through observation, semi-structured interviews, and documentation of store owners, employees, and three customers as informants. Data analysis was carried out through data reduction, data presentation, and conclusion drawing following the Miles, Huberman, and Saldana models. The results of the study show that Toko Annisa implements digital marketing through WhatsApp, Facebook, and TikTok by prioritizing the principles of shiddiq, amanah, tabligh, and fathanah in every promotional content. The implementation of this strategy has been proven to increase sales volume, expand market reach, strengthen customer trust, and have a positive impact on owner income and employee welfare through bonuses and improved work skills. The main supporting factors include technological advancements, ease of internet access, and commitment to Islamic values of business owners, while the main inhibiting factors are the fierce competition of similar businesses in the digital realm and the limitations of product search features on the platforms used. This study confirms that Islamic-based digital marketing can be a business development model that is oriented not only to financial profits but also to the blessings and sustainability of the business.
The Role Of Halal Certification In Increasing Consumer Trust In Talun Sweet Coffee Shop Badriyah Kufa; Gama Pratama; Muhammadun
Ecobankers : Journal of Economy and Banking Vol. 7 No. 2 (2026): Ecobankers : Journal of Economy and Banking
Publisher : Prodi Perbankan Syariah Fakultas Ekonomi dan Bisnis Islam Universitas Islam Bunga Bangsa Cirebon

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This study aims to analyze the implementation of halal certification at Warung Kopi Manis Talun, its impact on increasing Muslim consumer trust, and its application from the perspective of Maqashid Sharia and Islamic business ethics. A qualitative approach with a descriptive case study design was employed in this research. Data were collected through in-depth interviews with management, employees, and consumers, supplemented by field observations and documentation. Data analysis was conducted using the Miles and Huberman interactive model, utilizing source and technique triangulation to ensure data trustworthiness. The results indicate that obtaining a halal certificate through the BPJPH self-declare scheme successfully transformed the coffee shop's operational standards into a more structured, hygienic system aligned with the Halal Product Assurance System (SJPH). The visible display of the official halal label provides legal certainty and spiritual reassurance, effectively eliminating consumer doubt while significantly enhancing customer trust and loyalty. Furthermore, transparency regarding raw materials and friendly service serve as key supporting factors that reflect principles of openness, consumer protection, and the fulfillment of Maqashid Sharia in safeguarding religion (hifzh ad-din) and life (hifzh an-nafs).
The Influence Of Digital Financial Literacy And The Perception Of Convenience On The Interest Of Gen Z Using Qris From A Sharia Perspective Dede Ayu Rahmawaty; Gama Pratama; Muhammadun
Ecobankers : Journal of Economy and Banking Vol. 7 No. 2 (2026): Ecobankers : Journal of Economy and Banking
Publisher : Prodi Perbankan Syariah Fakultas Ekonomi dan Bisnis Islam Universitas Islam Bunga Bangsa Cirebon

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Digital payment development has changed transaction behavior from cash toward technology based payments. QRIS is a digital payment instrument that allows transactions through various payment service providers. Generation Z is closely connected with digital technology and is therefore important in the development of cashless payments. This study aims to analyze the effect of digital financial literacy and perceived ease of use on Generation Z's intention to use QRIS in Cirebon Regency and to interpret the findings from an Islamic perspective. The study employed an associative quantitative approach using a survey. Data were collected through a five point Likert questionnaire from 100 respondents selected using purposive sampling. Multiple linear regression, t test, F test, and coefficient of determination were applied. The results show that digital financial literacy has a positive and significant effect on intention to use QRIS, with a t value of 4.322 and significance of 0.000. Perceived ease of use also has a positive and significant effect, with a t value of 8.668 and significance of 0.000. Simultaneously, both variables significantly affect intention to use QRIS, with an F value of 1324.160 and significance of 0.000. The R Square value of 0.965 indicates that 96.5 percent of the variation in intention to use QRIS is explained by the two variables. Perceived ease of use is the more dominant variable. From an Islamic perspective, QRIS may be used when transactions involve halal objects and uphold transparency, fairness, and avoidance of riba, gharar, and maysir
Sharia Marketing Strategy In Increasing Sales Volume In Msmes Bakso Bakar Cantika Cirebon Regency Dede Kuswandi; Gama Pratama; Muhammadun
Ecobankers : Journal of Economy and Banking Vol. 7 No. 2 (2026): Ecobankers : Journal of Economy and Banking
Publisher : Prodi Perbankan Syariah Fakultas Ekonomi dan Bisnis Islam Universitas Islam Bunga Bangsa Cirebon

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The growth of Micro, Small, and Medium Enterprises (MSMEs) in the culinary sector has led to increasingly intense business competition. This situation compels business owners to adopt effective marketing strategies to ensure business continuity and boost sales volume. One applicable approach is the Sharia marketing strategy, which integrates the marketing mix concept with Islamic values. This study aims to analyze the implementation of Sharia marketing strategies at Bakso Bakar Cantika, identify the challenges faced in applying these strategies, and evaluate their alignment with Islamic business ethics. A qualitative method using a case study approach was employed. Data collection involved observation, in-depth interviews, and documentation. Research informants included the business owner, employees, and consumers, selected via purposive sampling. Data analysis utilized the Miles and Huberman model, involving data reduction, data display, and conclusion drawing. The results indicate that Bakso Bakar Cantika has implemented a Sharia marketing mix strategy by offering quality products, setting fair prices, selecting a strategic location, and conducting honest promotions. Challenges encountered include limited digital promotion, culinary business competition, and resource constraints. Service and promotional practices align with Islamic business ethics principles: shiddiq (truthfulness), amanah (trustworthiness), tabligh (transparency/communication), and fathanah (wisdom/intelligence). The implementation of Sharia marketing strategies has proven effective in enhancing consumer trust and positively impacting sales volume.
Co-Authors Badriyah Kufa Dede Ayu Rahmawaty Dede Kuswandi gama pratama Puput Indriyani