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All Journal BILANCIA Santri : Jurnal Ekonomi dan Keuangan Islam Bilancia : Jurnal Studi Ilmu Syariah dan Hukum Jariyah : Jurnal Ilmu Akuntansi dan Keuangan Syariah
Nur Wanita
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Religion Decision Sciences, Operations Research & Management Economics, Econometrics & Finance Law, Crime, Criminology & Criminal Justice Other

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IMPLEMENTASI PERAN PUSAT INKUBASI BISNIS USAHA KECIL (PINBUK) DALAM UPAYA PENGEMBANGAN KOPSYAH BMT DI SULAWESI TENGAH Nur wanita; Fadhliah Mubakkirah
Bilancia: Jurnal Studi Ilmu Syariah dan Hukum Vol. 12 No. 1 (2018): BILANCIA
Publisher : Fakultas Syariah Institut Agama Islam Negeri Palu

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.24239/blc.v12i1.339

Abstract

This research is based on the existence of PINBUK (Small Business Incubation Center) in general, especially Central Sulawesi PINBUK which can not be separated with the existence and development of sharia micro finance institution, especially Koperasi Syariah (Kopsyah) BMT in Central Sulawesi. The existence of Kopsyah BMT on one hand has access opportunities for small groups of people who find it difficult to access funds at formal financial institutions such as banks, amun on the other hand, not infrequently Kopsyah BMT, its existence is not going as expected. Therefore, this research tries to raise the problem: how is the implementation of PINBUK role in developing Kopsyah BMT in Central Sulawesi, and what factors are supporting and inhibiting the role of PINBUK in developing Kopsyah BMT in Central Sulawesi
BAURAN PROMOSI (PROMOTION MIX) KONVENSIONAL DALAM PERSPEKTIF ETIKA BISNIS ISLAM Nur Wanita
Bilancia: Jurnal Studi Ilmu Syariah dan Hukum Vol. 10 No. 1 (2016): BILANCIA
Publisher : Fakultas Syariah Institut Agama Islam Negeri Palu

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.24239/blc.v10i1.277

Abstract

One of marketing strategy policy that is used by companies to face their competitors is through promotion mix. In this case, each company has its own promotion mix policy which is diverse, this policy that is aimed to obtain company’s targets in market particularly to attract and fascinate consumers for the products, through this competition, it is not a few number of company who takes shortcuts and justifies any means in order to meet their goals; to earn profits, hence they tend to violate ethic. Islamic business ethic concept does not have any rivalry concept that is likely to ruin others unless synergize and cooperate one another. The variety of products from different manufacturers can offer alternative convenience for the consumers to get products according to their needs and capabilities.
PROBLEMATIKA LEMBAGA KEUANGAN MIKRO SYARIAH: STUDI PADA KOPSYAH BMT DI KOTA PALU Nur Wanita; Syaakir Sofyan
Bilancia: Jurnal Studi Ilmu Syariah dan Hukum Vol. 13 No. 1 (2019): BILANCIA
Publisher : Fakultas Syariah Institut Agama Islam Negeri Palu

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

Abstract

This research is motivated by the existence of Islamic microfinance institutions in Palu City. In general, Islamic microfinance institutions named Islamic Cooperatives or Finance House (BMT) has enormous potential to empower community economy, particularly from the lower middle class. Since this institution is not only to raise funds, it also can channel it to meet people’s needs especially institutions’ member as well as for the communities’ in general. As time goes by, there is only one unit out of several units of Islamic Cooperatives or BMT in Palu that is still actively carrying out its operational activities, while the rest are already inactive. Therefore, this study tries to raise the issue of how the problems faced by Islamic microfinance institutions (Kopsyah BMT) in the city of Palu.
Pengaruh Harga, Promosi, dan Switching Barrier terhadap Loyalitas Pelanggan dengan Kepuasan sebagai Variabel Intervening: Studi pada Pelanggan Kartu Telkomsel dikalangan Gen Z Kec. Palu Barat Nurul Khairia Lim Fatimah; Nur Wanita; Nurfitiriani Nurfitiriani
SANTRI : Jurnal Ekonomi dan Keuangan Islam Vol. 3 No. 4 (2025): Agustus : SANTRI : Jurnal Ekonomi dan Keuangan Islam
Publisher : Asosiasi Riset Ekonomi dan Akuntansi Indonesia

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.61132/santri.v3i4.1767

Abstract

This study aims to examine in depth the influence of price, promotion, and switching barriers on customer loyalty of Telkomsel prepaid cards, with customer satisfaction as an intervening variable in Generation Z in West Palu District. This study is motivated by the intense competition in the telecommunications industry and the importance of maintaining customer loyalty amidst the increasing number of service options. Data were collected from 100 respondents who are active Telkomsel prepaid card users through questionnaires. Data analysis was conducted using the Structural Equation Modeling-Partial Least Squares (SEM-PLS) approach using SmartPLS software version 4.0. The results show that the price variable has a significant direct effect on customer loyalty, but does not show a significant effect on customer satisfaction. Conversely, promotion has a significant effect on satisfaction, but does not directly affect customer loyalty significantly. Switching barriers are shown to have a significant effect on both satisfaction and loyalty, indicating that the higher the switching barriers, the more likely customers will remain loyal. In addition, customer satisfaction also significantly affects loyalty. Another important finding is that of the several indirect influences tested, only the path from promotion through satisfaction to loyalty was statistically significant. Therefore, this study suggests the importance of targeted promotional strategies and strengthening switching barriers as effective measures in retaining young customers who are prone to switching services. Furthermore, this study emphasizes that customer loyalty is not solely determined by competitive pricing factors, but is more complex and influenced by customers' emotional and psychological experiences, such as satisfaction with the service and perceptions of the ease or difficulty of switching to another service provider.
Faktor-Faktor yang Memengaruhi Loyalitas Nasabah Produk Amanah Pegadaian Syariah Nuriatullah; Putri Agustina; Nur Wanita; Dede Arseyani P
Jariyah: Jurnal Ilmu Akuntansi dan Keuangan Syariah Vol. 3 No. 1 (2025): JARIYAH : Jurnal Ilmu Akuntansi dan Keuangan Syariah
Publisher : Program Studi Akuntansi Syariah Fakultas Ekonomi dan Bisnis Islam UIN Datokarama Palu

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.24239/jariyah.v3i1.4353.372-388

Abstract

Penelitian ini bertujuan untuk menganalisis pengaruh kualitas produk, nilai taksiran, dan kepercayaan terhadap loyalitas nasabah Produk Amanah di Pegadaian Syariah Talise, baik secara parsial maupun simultan. Penelitian ini menggunakan pendekatan kuantitatif dengan metode analisis regresi linear berganda terhadap 93 responden yang dipilih melalui teknik purposive sampling. Hasil penelitian menunjukkan bahwa kualitas produk dan nilai taksiran berpengaruh positif dan signifikan terhadap loyalitas nasabah, sedangkan kepercayaan berpengaruh positif namun tidak signifikan. Secara simultan, ketiga variabel independen berpengaruh signifikan terhadap loyalitas nasabah, yang berarti loyalitas terbentuk dari kombinasi faktor finansial dan non-finansial. Temuan ini menunjukkan pentingnya bagi Pegadaian Syariah Talise untuk terus meningkatkan kualitas produk melalui inovasi pembiayaan yang fleksibel, menjaga keadilan dalam penentuan nilai taksiran, serta memperkuat pelayanan berbasis kepercayaan dan prinsip syariah. Keterbatasan penelitian ini terletak pada ruang lingkup wilayah yang sempit dan variabel yang terbatas, sehingga penelitian selanjutnya disarankan memperluas objek serta menambah variabel seperti kepuasan dan kualitas layanan guna memperoleh hasil yang lebih komprehensif.
Co-Authors Dede Arseyani P Fadhliah Mubakkirah Nurfitiriani Nurfitiriani Nuriatullah Nurul Khairia Lim Fatimah Putri Agustina Sofyan, Syaakir