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Strategi Pemasaran Terintegrasi dalam Pengambilan Keputusan Pengajuan Kredit Ghozali, Ghozali; Nuraeni, Eny; Novita, Mega D.
Jurnal Manajemen & Budaya Vol 4 No 1 (2024): Jurnal Manajemen dan Budaya
Publisher : STAI Darul Kamal NW Kembang Kerang

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.51700/manajemen.v4i1.561

Abstract

This research aims to identify the influence of Personal Selling, Service Quality, Business Location, and Digital Marketing on Credit Application Decisions at the ‘Sumber Manis’ Prajurit Kulon Farming Cooperative, Mojokerto City. This research uses a quantitative approach with a sample of 30 cooperative customers. The results of the F test show that these four variables have a simultaneous effect on the Credit Application Decision. The variables Personal Selling, Service Quality, Business Location, and Digital Marketing also partially have a positive influence on Credit Application Decisions. The results of this research provide deeper insight into various aspects of marketing in the context of credit application decisions in cooperatives. The practical implication is that cooperatives and similar financial institutions can improve their marketing strategies by considering the key roles played by Personal Selling, Service Quality, Business Location, and Digital Marketing in shaping customer perceptions and decisions. This research also supports previous findings which state that marketing aspects have an important role in influencing customer decisions regarding credit applications.
The Integrative Paradigm of Sufi Psychology Aji Putra Latuconsina, Raja Bunga Sam; Ghozali, Ghozali; Freyani Hawadi, Lydia
Jurnal Indonesia Sosial Teknologi Vol. 5 No. 9 (2024): Jurnal Indonesia Sosial Teknologi
Publisher : Publikasi Indonesia

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.59141/jist.v5i9.4629

Abstract

The ontology and epistemology of Sufism are key elements in Islamic studies. Sufi psychology, as part of Sufism, essentially falls within the framework of Islamic psychology. This research aims to explore Sufi psychology and explore how these concepts can be integrated into modern psychological approaches. This research uses a qualitative method, with data collection through a literature study. The collected data were then analyzed through three stages: reduction, presentation, and conclusion. The results show that in logic, this relationship is known as the correlation between particularity and universality (al-Umum wa al-Khusus Mutlaqan). However, in its development, Sufi Psychology focuses more on esoteric aspects, perennialism, and inclusivism. Unlike Islamic psychology in general, Sufi Psychology has been developed by scholars outside the Islamic tradition, such as figures in transpersonal psychology, including Robert Frager (Chairman of the Institute of Transpersonal Psychology), Lynn Wilcox, James Fadiman, and Arthur Deikman. They develop the concept of tasawwuf by integrating Sufi knowledge with empirical contributions from modern psychology, resulting in a holistic approach to psychology, both in terms of ontology, axiology, epistemology, and methodology.
Pengaruh Harga, Social Media, dan Word of Mouth terhadap Keputusan Pembelian Taichan Cantik Mojokerto Ghozali, Ghozali; Abdillah, Adil; Rachmawati, Eny; Retnowulan, Dinda Tri
AKSIOMA : Jurnal Sains Ekonomi dan Edukasi Vol. 1 No. 12 (2024): AKSIOMA : Jurnal Sains, Ekonomi dan Edukasi
Publisher : Lembaga Pendidikan dan Penelitian Manggala Institute

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.62335/ac13xf76

Abstract

This research aims to find out how price, social media marketing, and word of mouth influence purchasing decisions at Taichan Cantik, either partially or simultaneously. Determining the sample in this study used an accidental sampling technique with 90 respondents and used the analytical method used in this research, namely Multiple Linear Regression analysis. Based on the research analysis results, it shows that price variables, social media marketing variables, and word-of-mouth variables have a significant effect, both partially and simultaneously, on purchasing decisions at Taichan Cantik Mojokerto. In addition, to remain competitive with other comparable businesses, Taichan Cantik is expected to maintain and increase its promotions through word of mouth and social media to make customers choose to buy their products. They are also likely to set competitive prices.
Implementation of the Islamic Ramadan Study Program Policy in Vocational High Schools Wahyuningsih, Yenik; Uzliva, Citra Aulia; Widyaningsih, Riza Aulia; Ghozali, Ghozali
Thawalib: Jurnal Kependidikan Islam Vol. 6 No. 2 (2025): Thawalib: Jurnal Kependidikan Islam
Publisher : STAI Publisistik Thawalib Jakarta

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.54150/thawalib.v6i2.403

Abstract

Vocational high schools play a significant role in enhancing the quality of human resources through practical vocational education that collaborates with industry. Integrated Islamic education is necessary to instil religious values and student character. The objective is to formulate an adaptive and contextual policy model for the Islamic Ramadan Study Program in vocational high schools in order to improve religious character education and synergy among schools, communities, and families. This research is conducted through a literature review of scientific articles. The results indicate that the implementation of the Islamic Ramadan Study Program policy in vocational high schools faces challenges at each stage: problem identification, formulation, implementation, and evaluation. Policy formulation often fails to involve all stakeholders, resulting in inadequate representation. At the formulation stage, Ramadan activities have been designed; however, student participation remains low. Implementation depends on leadership and resource support, but is hindered by infrastructure and bureaucratic obstacles. Evaluation employs both test and non-test methods, yet its effectiveness is constrained by the diverse backgrounds of students and the workload of teachers. Synergy among all parties is essential for the program to operate optimally and to cultivate students' religious character. In conclusion, implementing the Islamic Ramadan Study Program in vocational high schools requires policy synergy, adequate resources, and active participation to achieve optimal effectiveness.    
A Preliminary Quranic Review of Consciousness Naufanita, Hana; Nurwahidin, Nurwahidin; Ghozali, Ghozali
Journal of Strategic and Global Studies Vol. 6, No. 1
Publisher : UI Scholars Hub

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

Abstract

Consciousness is a classical discourse among scientists, philosophers, and theologians across time and space. It has become a hard problem from many angles: What it is? How do we approach it? How it is being discussed? What is the objective? Etc. The vast scope of the topic causes consciousness to become an intriguing topic to many disciplines. This paper offers multidisciplinary research to consciousness. This approach enables us to spot the problem, intersection, and division across disciplines. We found that there are convergences and divergences to consciousness as multidisciplinary object of study. First, consciousness is related to the mind, but the location is unclear because of the lack of understanding of human structure. Second, spirituality is closely associated with the study of consciousness but remains secondary in Western hegemonic knowledge production, but it is highly encouraged for mental health practices in Western society. Third, some disagreement in investigating consciousness is on the acknowledgment of soul and the sentiment about religion. The dispute implies to various type of consciousness: consciousness as consciousness, self-consciousness, and God-consciousness. This typology correlates to what extent one’s beliefs. We argue that Islam has the most comprehensive explanation to study consciousness and its cognates.
Tinjauan Hukum Asuransi Jiwa pada Lembaga Perbankan dalam Perspektif Fikih Kontemporer Ghozali, Ghozali; Isroqunnajah, Isroqunnajah
An-Nahdloh: Journal of Education and Islamic Studies Vol. 1 No. 2 (2026): Januari 2026
Publisher : Magister Pendidikan Agama Islam (MPAI) Program Pascasarjana, Universitas Islam Raden Rahmat (UNIRA) Malang

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.58788/jeis.v1i2.36

Abstract

Life insurance marketed through banking institutions has become a widely used financial instrument in modern society. However, its practice has sparked legal debate among Islamic scholars, particularly regarding the potential presence of gharar, maisir, and usury (riba) in its contractual mechanisms. The differing views of contemporary Islamic jurisprudence (fiqh) on the legality of life insurance, both conventional and sharia, indicate the need for a comprehensive study that places this issue within the framework of Islamic transactions. This study aims to analyze the concept and practice of life insurance within banking institutions and review its legal status from a contemporary Islamic jurisprudence perspective. The study was conducted using a library research method by collecting data from classical and contemporary fiqh literature, fatwas from the National Sharia Council (MUI), financial authority regulations, and relevant scientific publications. The analysis was conducted descriptively and analytically to outline the legal issues and assess the conformity of life insurance practices with Sharia principles. The research results show that conventional life insurance still contains the potential for contract ambiguity and speculative elements, while sharia life insurance is considered more in line with the muamalah principle through the use of tabarru', mudharabah, or wakalah bi al-ujrah contracts. From the perspective of maqāṣid al-syarī'ah, the existence of insurance can be accepted as a form of protection for life and property as long as the mechanism is free from prohibited elements. Thus, life insurance in banking institutions can be considered valid according to Sharia if it is built on the principles of transparency, fairness, and trustworthy fund management in accordance with the provisions of contemporary jurisprudence.   Keywords: Life Insurance, Banking, Contemporary Jurisprudence