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All Journal I-ECONOMICS: A Research Journal on Islamic Economics Jurnal Abdimas Berdaya : Jurnal Pembelajaran, Pemberdayaan dan Pengabdian Masyarakat An-Nisbah: Jurnal Ekonomi Syariah AL-MANSYUR
Santoso, Haris
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ANALISA PENGEMBANGAN SUMBER DAYA MANUSIA SEBAGAI UPAYA PENINGKATAN KINERJA KSPPS ASSYAFI’IYAH METRO-LAMPUNG Santoso, Haris; Rahmawati, Rita; Khotamin, Nur Alfi
I-Economics Vol 6 No 2 (2020): I-ECONOMIC: A Research Journal on Islamic Economics
Publisher : Islamic Economics Program, Faculty of Islamic Economics and Business

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.19109/ieconomics.v6i2.7024

Abstract

Human resource development is considered to be one of the most effective ways to improve company performance and productivity. With the development of human resources, it is hoped that the technical skills and professional skills of employees can be improved. However, the success of the program implementation cannot be carried out immediately during implementation, but can be seen from the results of the employees' work after participating in human resource development whether there have been changes or not. Based on the results of research and discussion related to this research, the authors conclude that: BMT Assyafi'iyah Metro Lampung City in improving employee performance is through human resource development, namely by means of transfer, promotion, supervision, work motivation and coaching. career. Human resource development carried out by BMT Assyafi'iyah Metro Lampung City can improve employee performance. The provision of career coaching has an impact on the increasing work performance of employees, this is evident from the provision of internships and training. Supervision has an impact on employees so that employees are more honest in carrying out their duties. So that it is hoped that there will be no deviations by employees. And also the employees are more disciplined in various ways, one of which is the punctuality and accuracy of the targets given. Granting a job transfer has an impact on employees so that they become more responsible for the tasks that have been assigned to these employees.
ANALISIS KEUNGGULAN BERSAING (COMPETITIVE ADVANTAGE) DALAM PERSPEKTIF EKONOMI ISLAM Santoso, Haris
I-Economics Vol 8 No 2 (2022): I-ECONOMICS: A Research Journal on Islamic Economics
Publisher : Islamic Economics Program, Faculty of Islamic Economics and Business

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.19109/ieconomics.v8i2.12939

Abstract

In the business world, especially in the supermarket business, competition cannot be separated, the number of supermarkets that are established will make business competition increasingly tight in the supermarket industry. Competitive advantage is now the spearhead of a business. PB Supermarket is one of the supermarkets that is included in the minimarket category which is equivalent to Alfamart, Indomart and other minimarkets in Metro City. This study aims to determine the steps of PB Supermarkets in applying their competitive advantage. After knowing the steps of PB Supermarkets in implementing competitive advantage, it will be analyzed in the perspective of Islamic economics. Judging from its type, this research is a descriptive field research. In the data collection method, researchers used interviews or interviews, documentation, and observation. As for the results of this study, namely that PB Supermarkets have a high competitive industrial environment, it can be seen that there are many supermarkets standing in Metro City. Based on the SWOT analysis PB Swalayan also has good strengths and opportunities to cover weaknesses and face threats. To face a high competitive environment, PB Swalayan applies competitive advantage in the form of improving service quality, providing goods that are needed by the community or a complete target market, and conducting promotional programs in the form of prize draws, and what is prioritized in PB Swalayan's competitive advantage is lower prices compared to its competitors. The competitive advantage applied by PB Supermarkets is in accordance with Islamic Economics or Islamic business ethics, namely the principles of honesty, trustworthiness, tolerance, and fulfilling contracts and promises, and not using methods that are prohibited by religion.
PERILAKU BERPINDAH (SWITCHING BEHAVIOUR) NASABAH NON MUSLIM DI BANK SYARIAH MANDIRI KOTA METRO LAMPUNG Santoso, Haris
An-Nisbah: Jurnal Ekonomi Syariah Vol 6 No 1 (2019): An-Nisbah
Publisher : UIN Sayyid Ali Rahmatullah Tulungagung

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.21274/an.2019.6.1.22-41

Abstract

Berganti perilaku adalah bagian dari perilaku konsumen, memahami peralihan perilaku tidak kalah penting daripada memahami perilaku konsumen. Peralihan perilaku yang dialami oleh konsumen sangat menarik untuk dipahami karena perbedaan prinsip agama di atasnya. Penelitian ini bertujuan untuk mendeskripsikan perilaku konsumen non muslim di kota Metro dalam memilih bank Islam dan mengungkap perilaku switching konsumen non muslim di bank syariah kota Metro. Penelitian ini merupakan penelitian kualitatif dengan menggunakan pendekatan fenomenologi. Pengumpulan data yang digunakan dalam penelitian ini adalah wawancara mendalam, dokumentasi, dan observasi lapangan. Hasil penelitian ini menunjukkan bahwa perilaku konsumen non muslim pada umumnya mereka tidak begitu paham tentang sistem di Bank Islam. Selain itu, pertimbangan konsumen non-muslim dalam memilih bank syariah adalah sistem layanan di bank syariah tidak kalah dengan bank konvensional tersebut, keberadaan kelompok referensi juga merupakan alasan konsumen non-muslim dalam memilih bank. Sementara, peralihan perilaku yang dilakukan oleh konsumen non muslim karena program pembagian keuntungan, layanan, fasilitas dan reputasi bank syariah lebih kompetitif
PERAN PEMBIAYAAN MURABAHAH DALAM MENINGKATKAN USAHA BATU BATA (STUDI PADA BMT AS-SALAM KANTOR KAS NGERECO KANDAT KEDIRI): (Studi Pada BMT As-Salam Kantor Kas Ngereco Kandat Kediri) Anam, Muh Khoirul; Santoso, Haris
I-Economics Vol 5 No 1 (2019): I-ECONOMICS: A Research Journal on Islamic Economics
Publisher : Islamic Economics Program, Faculty of Islamic Economics and Business

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.19109/https://doi.org/10.19109/ieconomics.v5i1.3115

Abstract

Financial institutions are currently needed by all people because financial institutions are considered to be quicker in providing business capital loans. Previously, conventional banks were the only financial institutions operating in the financial sector or loans to the community before Islamic financial institutions, now with the development of financial institutions sharia society mostly prefers sharia finance rather than conventional, plus BMT which operates in the middle to lower class, this is what causes many people to take Islamic financial institutions because they prioritize family systems, so this study focuses on: 1). How is the application of murabahah financing at BMT As-Salam to brick businesses in the Ngreco Kandat Kediri village, 2). What is the role of murabahah financing at BMT As-Salam towards brick business in the Ngreco Kandat Kediri village, 3). How did the brick business increase in the Kandat Kediri Ngreco village after obtaining murabahah financing at BMT As-Salam. Research on the role of murabahah financing in brick business uses a descriptive qualitative approach with a type of case study research that refers to the interpretive postpositivistic thinking paradigm. The technique of collecting data is in-depth interviews, observation and documentation. The results of this study indicate that the application of murabahah financing at BMT As-Salam is very different where loans for business capital of bricks that should use mudharabah or musyarakah at BMT These salads use murabaha. Besides that the role of BMT As-Salam is very influential on brick business and before BMT As-Salam arrived, brick entrepreneurs still had difficulty finding capital to improve their business but after taking murabahah financing at BMT As-Salam, their efforts experienced an increase and prosperity life.
MENCEGAH PEMBIAYAAN BERMASALAH DENGAN MONITORING DAN PENGAWASAN PRESPEKTIF VAITHZAL RIVAI Santoso, Haris
AL-MANSYUR Vol 2 No 2 (2023): PEMBERDAYAAN UKM DAN REVITALISASI ZAKAT MAAL
Publisher : Program Studi Ekonomi Syariah (ES) STAI Nahdlatul Ulama (STAINU) Malang

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

Abstract

Pemberian kredit tanpa dianalisis terlebih dulu akan sangat membahayakan lembaga keuangan. Nasabah dalam hal ini dengan mudah memberikan data-data fiktif, sehingga mingkin saja kredit sebenarnya tidak layak tetapi masalah diberikan. Kemudian jika salah dalam menganalisis, maka kredit yang disalurkan sebenarnya tidak layak menjadi layak sehingga akan berakibat sulit untuk ditagih alias macet. Pada pembiayaan di BMT Artha Buana ini sangat sering dan rawan terjadi kredit macet yang dilakukan oleh nasabah. Namun demikian, ada beberapa tahapan dalam menanganai pembiayaan bermasalah di BMT Artha Buana. Pengawasan dalam hal ini sangat diperlukan demi meminimalisir pembiayaan bermasalah. Tujuan diadakan penelitian ini adalah untuk mengetahui monitoring dan  pengawasan pembiayaan dalam meminimalisir pembiayaan bermasalah di BMT Artha Buana Metro. Penelitian ini merupakan penelitian lapangan, yaitu penelitian yang menggunakan informasi yang diperoleh dari sasaran penelitian. Untuk meperoleh. data-data yang diperlukan peneliti menggunakan beberapa teknik diantaranya adalah observasi, wawancara, dan dokumentasi. Dari data yang diperoleh, baik data lapangan maupun data kepustakaan kemudian dikumpulkan dan diolah agar dapat ditarik suatu kesimpulan. Maka dalam hal ini peneliti menggunakan metode deskriptif kualitatif dengan menggunakan cara berpikir induktif. Berdasarkan penelitian yang peneliti lakukan dapat disimpulkan bahwa dalam melaksanakan monitoring dan pengawasan pembiayaan, BMT Artha Buana Metro menggunakan 3 cara, yaitu monitoring secara tidak langsung, monitoring secara langsung, dan maupun monitoring pada pembiayaan yang memerlukan perhatian khusus. Pengimplementasian monitoring dan pengawasan pembiayaan BMT Artha Buana Metro dengan tokoh Veithzal Rivai melakukan hal yang sama yaitu dengan melakukan pengawasan langsung dilapangan untuk memastikan kebenaran seluruh data maupun laporan dari nasabah.
LITERATUR REVIEW PERSAINGAN BISNIS SEBAGAI BENTUK PROMOSI MELALUI MEDIA IKLAN DALAM PRESPEKTIF ISLAM UNTUK MEWUJUDKAN PERSAINGAN SEHAT Santoso, Haris
AL-MANSYUR Vol 2 No 1 (2022): MENGUATKAN LEMBAGA KEUANGAN SYARIAH
Publisher : Program Studi Ekonomi Syariah (ES) STAI Nahdlatul Ulama (STAINU) Malang

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Abstract

Persaingan disini bisa bersifat intern, antar bagian dalam perusahaan itu sendiri dan bersifat ekstern, yaitu persaingan antar perusahaan. perusahaan memasang serta melakukan promosi agresif, namun tetap menjaga terciptanya iklim persaingan yang sehat. Promosi terdiri dari sejumlah elemen yang dikenal dengan bauran promosi (Promotion Mix) yaitu : Periklanan, Penjualan personal, promosi penjualan, hubungan masyarakat, dari mulut ke mulut (word of mouth) dan pos langsung (direct mail). Berbicara mengenai pebisnis muslim harus patuh pada peraturan-peraturan dalam etika periklanan terdapat prinsip Swakramawi (self-regulation) atau pengaturan diri sendiri, adalah suatu prinsip atau paham yang dianut oleh mayarakat periklanan di seluruh dunia, termasuk di Indonesia. Tiga azas umum tatakrama periklanan Indonesia tersebut yang berkaitan dengan persaingan adalah bahwa iklan harus jujur, bertanggung jawab dan tidak bertentangan dengan hukum yang berlaku dan iklan harus dijiwai oleh persaingan yang sehat. apabila iklan yang mengandung pujian tersebut bersifat nyata dan benar, tidak mengandung unsur kebohongan maka iklan semacam ini hukumnya adalah boleh (ja’iz).
Pendampingan Literasi Keuangan Digital pada Pelaku Usaha Mikro Kecil dan Menengan (UMKM) dalam Meningkatkan Manajemen Usaha Santoso, Haris; Iwannudin, Iwannudin
Jurnal Abdimas Berdaya : Jurnal Pembelajaran, Pemberdayaan dan Pengabdian Masyarakat Vol 8, No 2 (2025): Jurnal Abdimas Berdaya
Publisher : Universitas Islam Lamongan

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.30736/jab.v8i2.1099

Abstract

Micro, Small and Medium Enterprises (MSMEs) have a contribution and role that is very important and important in the growth of the Indonesian economy. MSMEs are basically businesses run by individuals or families, so their customers are lower middle class people. In addition, there is a lot of evidence that MSMEs are more resilient than large corporations or large companies in the midst of the economic crisis that has hit. Digital transformation has brought significant changes to the ecosystem in doing business, including for Micro, Small and Medium Enterprises (MSMEs). Digital financial literacy is a key factor in increasing the efficiency of business management. This Community Service aims to provide an understanding and see the impact of digital financial literacy assistance on the management of MSME businesses in Metro City. The Community Service method used is Asset-Based Community Development (ABCD). Data was collected through interviews, observations, and documentation studies of MSME actors who participated in the digital financial literacy program. The steps and supporting efforts in the ABCD method approach process are search analysis to find appreciation, development and potential assets and program strategy analysis. The results of this community service show that increasing digital financial literacy has a positive impact on financial management, access to capital, and MSME competitiveness. Thus, digital financial literacy assistance can be an effective strategy in encouraging sustainable MSME growth for MSMEs in Metro City.
Co-Authors Anam, Muh Khoirul Iwannudin Iwannudin Nur Alfi Khotamin, Nur Alfi Rita Rahmawati