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Nuntufa
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Economics, Econometrics & Finance

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Analisis Strategi Optimalisi Market Share Pada Produk Pembiayaan Mudharabah (Studi Kasus BMT Maslahah Cabang Besuk Agung) Toyyibah, Wardah; Nuntufa; Norhayati
JEMSI (Jurnal Ekonomi, Manajemen, dan Akuntansi) Vol. 11 No. 3 (2025): Juni 2025
Publisher : Sekretariat Pusat Lembaga Komunitas Informasi Teknologi Aceh

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.35870/jemsi.v11i3.4148

Abstract

BMT Maslahah Branch Besuk Agung is still facing several challenges and obstacles in offering mudharabah financing products to its customers. One of the main issues is the low level of public understanding regarding the concept of sharia financing, which often leads to reluctance to utilize the products offered, even though they have pressing financial needs. Therefore, the implementation of effective marketing strategies and customer education becomes crucial to increasing market share. This research focuses on analyzing the factors affecting the low market share of mudharabah financing products and identifying marketing strategies that can be applied to attract more customers. The research methodology employed is a qualitative approach with a case study strategy, where data collection is conducted through in-depth interviews and direct observation at BMT Maslahah Branch Besuk Agung. The findings indicate that enhancing customer awareness of sharia financing products, along with the development of comprehensive educational programs, can significantly drive the growth of the customer base and improve the profitability of the BMT. All proposed marketing strategies are designed to meet customer needs and maximize the positive impact on market share. The BMT also implements innovations in products and services while strengthening relationships with customers through continuous and responsive communication. Therefore, this study provides valuable insights for BMT Maslahah in optimizing the potential of mudharabah financing and expanding access to sharia financial services in the region.
Pengaruh Perilaku Konsumtif, Literasi Keuangan dan Teman Sebaya terhadap Perilaku Menabung Mahasiswa Aktif Angkatan 2021 FEBI UNZAH Ula, Ummi Mauliatul; Nuntufa; Norhayati
JEMSI (Jurnal Ekonomi, Manajemen, dan Akuntansi) Vol. 11 No. 3 (2025): Juni 2025
Publisher : Sekretariat Pusat Lembaga Komunitas Informasi Teknologi Aceh

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.35870/jemsi.v11i3.4149

Abstract

The research intends to investigate the influence of consumptive behavior, financial literacy, and peers on the saving behavior of active students of batch two thousand two one of the Faculty of Economics and Islamic Business, UNZAH. Employing a quantitative method with a causal associative research, the study examines the relationship among multiple variables. Data was gathered via questionnaire distributed to 136 students selected through the method of saturated sampling. Multiple linear regression was applied for the analytical method, involving instrument test, classical assumption test, T test, F test, and R2 utilizing the IBM SPSS 26. Findings suggest that partially, a significant negative impact was found on the relation of consumptive behavior and saving behavior, while a significant positive impact was found on the financial literacy as well as peers with student saving habit. Simultaneously, the three independent variables have a big impact on saving behavior with a determination value of sixty-eight, eight percent, which means that sixty-eight, eight percent of the saving behavior variation can be interpreted by these three variables.
Co-Authors Norhayati Toyyibah, Wardah Ula, Ummi Mauliatul