Articles
Implementasi Strategi Manajemen Pemasaran Bank Syariah di Era Revolusi Industri 4.0 di Indonesia
Nabila Arifa Aprilia Putri David;
Muhammad Iqbal Fasa;
Suharto Suharto
LABATILA: Jurnal Ilmu Ekonomi Islam Vol 6 No 02 (2022)
Publisher : LPPM
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DOI: 10.33507/labatila.v6i01.954
Marketing strategy is a planned and structured marketing procedure that will be carried out to achieve company goals. Along with the development of a company, the company's competition is unavoidable, especially in the banking world. The formulation of the problem in this study is how the strategy for marketing Islamic banking is to continue to advance and exist in this era of the fourth industrial revolution. This study aims to find out how the implementation of Islamic bank marketing management strategies in the era of the industrial revolution 4.0 in Indonesia today. This research is a qualitative research through the collection of detailed and in-depth data by involving various sources of information. The results of the research that can be obtained are the development of marketing strategies for Islamic banking, namely optimizing products that encourage optimization of business profits, improving the quality of human resources, increasing technological sophistication and increasing product quality. The development of Islamic bank marketing strategies with SWOT analysis, namely: 1) Strengths-Opportunities Strategy, 2) Weaknesses-Opportunities Strategy, 3) Strengths-Threats Strategy, 4) Weaknesses-Threats Strategy.
FAKTOR-FAKTOR YANG MEMPENGARUHI MINAT MENGGUNAKAN INTERNET BANKING (Studi Pada Nasabah Bank Syariah Mandiri Di Indonesia)
Dinar Fithriya hanjani;
Muhammad Iqbal Fasa;
Suharto Suharto;
Adib Fachri
JURNAL MANAJEMEN dan ORGANISASI REVIEW (MANOR) Vol. 4 No. 1 (2022): MANOR: JURNAL Manajemen dan Organisasi Review
Publisher : Program Studi Manajemen Universitas Fajar
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DOI: 10.47354/mjo.v4i1.364
Internet Banking adalah salah satu pelayanan jasa bank yang memungkinkan masyarakat ataupun nasabah untuk memperoleh informasi, melakukan komunikasi dan melakukan transaksi perbankan melalui jaringan internet, dan bukan merupakan bank yang hanya menyelenggarakan layanan perbankan melalui internet. Tujuan dari penelitian ini adalah untuk mengetahui minat mahasiswa terhadap fasilitas layanan internet bankingdan mobile banking yang disediakan oleh pihak perbankan, dan faktor-faktor yang mempengaruhi minat mahasiswa terhadap penggunaan internet banking dan mobile banking. Metode yang digunakan dalam penelitian ini adalah kuantitatif. Metode digunakan karena obyek yang diteliti terukur dan rasional. Obyek penelitian yaitu semua bank syariah mandiri yang ada di selurih Indonesia. (79 cabang Bank syariah mandiri yang dijadikan obyek penelitian). Hasil dari penelitian ini adalah Perkembangan E-Banking mengalami lompatan besar, transaksi bank menjadi mudah, cepat dan real time tanpa ada batasan waktu dan tempat. Bank menyediakan layanan E-Banking untuk memenuhi tuntutan dan kebutuhan nasabah sebagai alternatif media untuk melakukan transaksi perbankan, tanpa nasabah datang ke bank atau ke ATM. Kecuali untuk transaksi setoran dan tarikan uang tunai. Kata Kunci : Internet Banking, Minat, Teknologi Keuangan
ETIKA PENGELOLAAN SUMBER DAYA ALAM BERKELANJUTAN DALAM PERSPEKTIF ISLAM
Lovina Meyresta Wijaya;
Muhammad Iqbal Fasa;
prof. Suharto -
Journal of Islamic Economics and Philanthropy Vol 5, No 2 (2022): Mei
Publisher : Universitas Darussalam Gontor
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DOI: 10.21111/jiep.v5i2.6804
AbstrakEtika pengelolaan sumber daya alam berkelanjutan bertujuan untuk terciptanyanya pengelola sumber daya alam secara arif dan bijaksana tanpa merusak alam sekitar, guna menopang kehidupan manusia di muka bumi ini agar kelangsungan sumber daya alam tersebut dapat menjadi koeksistensi secara suistainable dan saling menguntungkan antara sumber daya alam dan manusia sebagai pengguna. Penelitian ini bertujuan, untuk mengetahui seberapa pentingnya penerapan etika pengelolaan sumber daya alam terhadap lingkungan dan bagaimana cara penerapan etika pengelolaan sumber daya alam tersebut, apakah telah sesuai dengan etika pengelolaan sumber daya alam dalam Islam. Sehingga nantinya, diharapkan hasil resume penelitian ini dapat diterapkan pada pengelolaan sumber daya alam pada lingkungan kehidupan manusia. Penelitian yang dilakukan berupa deskriptif menggunakan studi pustaka dan meresume dari hasil riset penelitian yang telah dilakukan sebelumnya. Hasilnya menunjukkan bahwa etika pengelolaan terhadap sumber daya alam sangat diperlukan untuk pembangunan berkelanjutan. Islam juga telah mengharuskan kita sebagai manusia untuk menjaga dan melestarikan alam untuk kesejahteraan umat manusia. Dalam menerapan etika pengelolaan sumber daya alam diperlukannya beberapa prinsip, yaitu prinsip hormat atau menghargai alam, bertanggung jawab, solidaritas, kasih sayang, dan keseimbangan terhadap alam.
Pengaruh Islamic Branding Dalam Pemasaran Produk Kepada Konsumen Muslim
Dewi Utari;
Muhammad Iqbal Fasa;
Suharto Suharto
Tirtayasa Ekonomika Vol 17, No 2 (2022)
Publisher : FEB Universitas Sultan Ageng Tirtayasa
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DOI: 10.35448/jte.v17i2.13604
Penelitian ini memfokuskan untuk menganalisis bagaimana industri halal terhadap pertumbuhan ekonomi di era pandemi Covid-19. Kajian ini juga mengidentifikasi peluang sekaligus tantangan dalam pengembangannya. Metode yang digunakan dalam penelitian ini adalah metode pendekatan kualitatif deskriptif dengan penelitian kepustakaan (library research). Dalam penelitian ini menemukan bahwa industri halal memiliki peran yang besar dalam perkembangan pertumbuhan ekonomi yakni dibuktikan dengan industri halal telah menyumbang 3,8 miliar USD terhadap Produk Domestik Bruto (PDB) dan investasi 1 miliar USD dari investor asing ditahun 2019. Industri halal juga memiliki peluang di berbagai sektor, yakni makanan dan minuman halal, wisata halal, fashion halal, kosmetik halal, media dan rekreasi halal, farmasi halal dan keuangan halal. Namun, Indonesia harus menghadapi berbagai tantangan yakni, tantangan dari pemerintah, organisasi, pembangunan, sumber daya yang ada, serta tantangan yang datang dari masyarakat/konsumen.
The preference of Muslim young generation in using digital zakat payment: Evidence in Indonesia
Mohammad Nur Rianto Al Arif;
Nofrianto;
Muhammad Iqbal Fasa
al-Uqud : Journal of Islamic Economics Vol. 7 No. 1 (2023): January
Publisher : Universitas Negeri Surabaya
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DOI: 10.26740/aluqud.v7n1.p1-16
This study aims to analyze the behavior of digital zakat payments in Indonesian Muslim youth. This research is using multinomial logit by dividing three alternative zakat payment media, namely digital payment, cash, or using both media with 306 respondents. The research results show that perceived usefulness, ease of use, and risk affect intentions to use digital zakat payments. The other variables such as continuity and trust don’t have an impact on intention. Similar results were also obtained for intentions to pay zakat in cash. The implications of these results indicate that zakat management organizations must improve features on digital payment platforms to make it easier for people to pay zakat. Zakat management organizations must adapt to technological developments. This study offers new insight about the intention of muslim youth generation paying zakat through digital platform.
Sharia Bank Marketing Management Concepts
Susila Andriyati;
Muhammad Iqbal Fasa;
suharto
EKSYAR : Jurnal Ekonomi Syari'ah & Bisnis Islam (e-Journal) Vol. 9 No. 2 (2022): EKSYAR : Jurnal Ekonomi Syari'ah & Bisnis Islam
Publisher : Study Program Ekonomi Syari'ah, Sekolah Tinggi Agama Islam Muhammadiyah Tulungagung
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DOI: 10.54956/eksyar.v9i2.345
The characteristics of products sold by banks are more services and not goods. Products sold are abstract or cannot be seen in absolute terms but can still be felt by customers. This research method is qualitative in the form of a literature review. Data in journals, books and encyclopedias related to the research focus. The data collection used is to look for literature that correlates or is in line with the main subject of the research. The marketing management concept asserts that the key to achieving organizational goals is that the company must be more effective than competitors in creating, delivering, and communicating customer value to its selected target markets. Kotler defines the marketing mix as a set of controllable factor marketing tools, products, prices, promotions, and places that the company integrates to produce the desired response in the target market. Saladin defines the marketing mix as a series of marketing variables that can be mastered by the company and used to achieve goals in the target market.
Peran Bank Syariah terhadap Kesadaran Masyarakat Akan Pentingnya Literasi Keuangan Syariah dan Larangan Riba
Risa Nur Aulia;
Muhammad Iqbal Fasa;
Suharto
Mutanaqishah: Journal of Islamic Banking Vol. 1 No. 2 (2021): December 2021
Publisher : Department of Islamic Banking
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DOI: 10.54045/mutanaqishah.v1i2.176
The financial industry is currently growing quite rapidly. One of the dominant industrial sectors is the Islamic banking industry.The performance assessment of Islamic banking has only focused on the financial aspect. However, there is one most important thing about Islamic banks that is often overlooked, namely compliance with Sharia Compliance. However, along with the development of the era of usury transactions in the banking world today it is increasingly difficult to avoid, including financial institutions that are labeled sharia. One of the causes of the low quantitative development of the Islamic finance industry is the lack of public awareness about financial literacy, especially Islamic financial literacy. In this study using descriptive qualitative research methods. In qualitative research, the main characteristics come from the natural background/reality in society. Therefore, there is a need for literacy of the Indonesian people so that they can assess and choose Islamic financial transactions properly and appropriately. Because financial literacy has been widely recognized as an important skill for individuals facing increasingly complex financial scenarios.
Faktor-Faktor yang Mempengaruhi Kualitas Pelayanan terhadap Nasabah pada Masa Pandemik di Bank Syariah
Syam Fitri Nur Cahyani;
Muhammad Iqbal Fasa;
Suharto
Mutanaqishah: Journal of Islamic Banking Vol. 1 No. 2 (2021): December 2021
Publisher : Department of Islamic Banking
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DOI: 10.54045/mutanaqishah.v1i2.178
Islamic banks are banks that run their business by upholding the principles of Islamic law as regulated in the fatwa of the Indonesian Ulema Council (MUI). The principles include justice and balance, benefit, and do not contain elements of usury or objects that are prohibited by Islam. Service quality is an effort to fulfill customer needs and desires and the accuracy of delivery to balance customer expectations. Along with rampant competition, banks are required to maintain the quality of their services, especially in the midst of the covid 19 pandemic. This is done solely to increase customer loyalty. This type of research uses qualitative research. This study generally aims to determine the factors that influence the quality of service to customers during the pandemic at Islamic banks. There are two issues studied in this journal, namely (1) How is the quality of service to customers during the pandemic at Islamic banks. (2) what are the factors that influence the quality of service to customers in Islamic banks.
Inovasi Green Banking pada Layanan Perbankan Syari’ah
Cania Anggita Putri;
Muhammad Iqbal Fasa;
Suharto;
Adib Fachri
Mutanaqishah: Journal of Islamic Banking Vol. 2 No. 2 (2022): December 2022
Publisher : Department of Islamic Banking
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DOI: 10.54045/mutanaqishah.v2i2.402
Concern for the environment is now even more intensive than in the past. This concern comes from various organizations, one of which is from banks bringing the idea of Green Banking. Green banking is an environmentally friendly bank activity by considering three aspects: the 3P, (profit, planet and people). This study aims to analyze the relationship between electronic banking as operational support and customer service improvement. Banks can also facilitate and be more environmentally friendly, for example by reducing paper in every transaction or using recycled materials. Thus, it improves the quality of bank services that will be perceived by customers. This research is a qualitative research with descriptive method and the analysis is based on literature study. The results of this study are intended for banks who want to implement or have implemented Green Banking, where knowledge of Green Banking is believed to improve service quality. Kepedulian terhadap lingkungan kini sudah merata lebih intensif dari beberapa waktu sebelumnya. Kekhawatiran ini datang dari berbagai organisasi, salah satunya dari bank membawa ide Green Banking. Perbankan hijau adalah kegiatan bank yang ramah lingkungan dengan mempertimbangkan tiga aspek: 3P yaitu profit (pencapaian laba), planet (lingkungan) dan people (masyarakat). Penelitian ini bertujuan untuk menganalisis hubungan antara perbankan elektronik sebagai pendukung operasional dan peningkatan layanan pelanggan. Bank juga dapat memfasilitasi dan lebih ramah lingkungan misalnya dengan mengurangi kertas dalam setiap transaksi atau menggunakan daur ulang bahan. Dengan demikian, ini meningkatkan kualitas layanan bank yang akan dirasakan oleh pelanggan. Penelitian ini merupakan penelitian kualitatif dengan metode deskriptif dan analisisnya didasarkan pada studi literatur. Hasil penelitian ini diperuntukan bagi pihak perbankan yang ingin mengimplementasikan atau telah mengimplementasikan Green Banking, dimana pengetahuan tentang Green Banking ini diyakini akan meningkatkan kualitas layanan.
PERAN PERBANKAN SYARIAH DALAM MEMBANTU USAHA MIKRO KECIL DAN MENENGAH MENERAPKAN KONSISTENSI PENCATATAAN
AGUSTINA MELIA NURBAITI;
Muhammad Iqbal Fasa
Revenue : Jurnal Ekonomi Pembangunan dan Ekonomi Islam Vol 4 No 01 (2021): Revenue : Jurnal Ekonomi Pembangunan dan Ekonomi Islam
Publisher : STIE Bakti Bangsa Pamekasan
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DOI: 10.56998/jr.v4i01.30
This research is a follow-up study of articles (Deni Darmawati and Yuana Jatu Nilawati 2018) in accordance with the suggestions presented in her research entitled "The Role of Banking in Encouraging Micro, Small, and Medium Enterprises in the Application of Financial Accounting Standards for Micro, Small and Medium Entities" for the next researcher to provide an overview of the interest of MSMEs in the application of SAK EMKM and the role of banks in encouraging the implementation of SA EMKM. It should be noted that this study did not include the two external variables previously discussed, namely the Credit Scheme, Interest in Implementing SAK EMKM because of the limitations of the authors in obtaining data and information to examine these two external variables. In this study also emphasizes the interest of MSMEs in recording financial reports and the role of Islamic banks as partners of MSMEs.Islamic Bank as an additional hand of financial institutions that strive to become an intermediary institution in encouraging the economy of micro, small and medium enterprises by providing capital, training and motivation to MSMEs so that they can foster knowledge in disciplined financial recording.