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All Journal Dinar: Jurnal Ekonomi dan Keuangan Islam Jurnal Ilmiah Ekonomi Islam Li Falah: Jurnal Studi Ekonomi dan Bisnis Islam Jurnal Masharif al-Syariah: Jurnal Ekonomi dan Perbankan Syariah Islamic Review : Jurnal Riset dan Kajian Keislaman Al-Iqtishadiyah: Ekonomi Syariah dan Hukum Ekonomi Syariah Al-Masharif: Jurnal Ilmu Ekonomi dan Keislaman Tasharruf: Journal Economics and Business of Islam Al-Azhar Journal of Islamic Economics AL-ARBAH: Journal of Islamic Finance and Banking Journal of Islamic Economics and Philanthropy AL-FALAH : Journal of Islamic Economics Al-Buhuts (e-journal) Jurnal Pengabdian Masyarakat : Pemberdayaan, Inovasi dan Perubahan Kunuz: Journal of Islamic Banking and Finance Journal of Indonesian Sharia Economics Al-Masraf: Jurnal Lembaga Keuangan dan Perbankan Jurnal Hukum Ekonomi Syariah : AICONOMIA Hikmayo: Jurnal Pengabdian Masyarakat Journal of Aswaja and Islamic Economics Al-masharif: Jurnal Ilmu Ekonomi dan Keislaman
Trimulato Trimulato
Universitas Islam Negeri Alauddin Makassar
Religion Arts Humanities Decision Sciences, Operations Research & Management Economics, Econometrics & Finance Education Environmental Science Industrial & Manufacturing Engineering Languange, Linguistic, Communication & Media Law, Crime, Criminology & Criminal Justice Library & Information Science Public Health Social Sciences Other

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Strategy Innovation of Hajj Savings Product: an Effort to Maintain Customer Loyalty at BMT Fauzan Aziima Parepare Anita Sukawati; Trimulato Trimulato; Lismawati Lismawati; Nuringsih Nuringsih
Jurnal Hukum Ekonomi Syariah : AICONOMIA Vol. 2 No. 1 (2023): AICONOMIA: Jurnal Hukum Ekonomi Syariah
Publisher : Fakultas Syariah IAIN Kerinci

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.32939/acm.v2i1.2852

Abstract

The purpose of this research is to describe the product innovation strategy for Hajj savings at BMT Fauzan Aziima and efforts to maintain customer loyalty. The type of research used is a field study conducted directly at BMT Fauzan Aziima, Parepare city. This research is a qualitative research that describes the research results from the data obtained. The data source used is primary data obtained directly and supplemented with secondary data that supports the research. Data collection techniques used were interviews with institutions and interviews with customers, as well as data from the literature. The data analysis technique used in this study is descriptive qualitative, which describes the strategies undertaken by BMT Fauzan Aziima in innovating hajj savings products and efforts to maintain customer loyalty. The results of this study show BMT Fauzan Azhiima's product innovation, namely the Hajj Savings Product. BMT Fauzan Azhiima didn't just sit there. BMT Fauzan Azhiima uses a strategy, namely by visiting prospective customers directly, such as going directly to the field to promote products to each prospective customer. Increased loyalty of hajj customers at BMT Fauzan Azhiima Parepare City This can be proven by the increase in customers from 2015 to 2017 of 18.06%. By innovating products will increase public interest in saving at BMT. Product innovation as an effort to attract more customers and become a differentiator from conventional products.
PENERAPAN MODEL MULTIDEMENSIONAL SCALING (MDS) DALAM PEMBIAYAAN BANK SYARIAH DI PULAU SULAWESI DALAM MENDUKUNG SDGs Trimulato Trimulato
JASIE Vol 1, No 1 (2022): JUNI
Publisher : JASIE

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.3194/jse.v1i1.6877

Abstract

The development of the Islamic banking industry continues to experience very good growth. This can be seen from the assets of Islamic banking which continues to increase and the public's interest in using Islamic banking products. One of the Islamic banking products is financing that is channeled to support the real sector. Sulawesi Island is one of the areas that have the potential to absorb Islamic banking financing. Every Islamic bank financing on the island of Sulawesi has a role in supporting the SDGs program through increased economic activity. The purpose of this study is to describe the development of financing in Islamic banks, as well as to describe the role of financing on the island of Sulawesi to support the SDGs. The method used in this research is qualitative. The data source used is secondary data, data that has been presented by institutions such as the Financial Services Authority (OJK). Data collection techniques through literature study. The analytical technique used in this research is Multidimensional Scaling (MDS). The results showed the development of Islamic banking financing in the period July 2020 to July 2021 the development of Musyarakah financing at BPRS grew by 43 percent, Murabahah grew 8.6 percent in BUS, and Qard grew in UUS. The analysis of the Multidimensional Scaling Model shows that the financing of BUS, UUS, and BPRS on the island of Sulawesi, South Sulawesi has a long-distance, for other areas it is close or similar. Financing distributed by Islamic banks in Sulawesi Island has a role in supporting the SDGs, at the point of reducing poverty, reducing hunger, encouraging economic growth, reducing inequality, and supporting sustainable production and consumption patterns.
The Role Of Sharia Banking To Recover SMEs During Covid-19 Pandemic Trimulato Trimulato
AL-MASHARIF: JURNAL ILMU EKONOMI DAN KEISLAMAN Vol 9, No 1 (2021)
Publisher : Institut Agama Islam Negeri Padngsidimpuan

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.24952/masharif.v9i1.3851

Abstract

Abstrak Tujuan penelitian untuk mengetahui perkembangan pembiayaan perbankan syariah bagi UMKM ditengah Covid-19 dan peran perbankan syariah dalam memulihkan UMKM selama pandemic.  Jenis penelitian studi pustaka, menggunakan data sekunder, kemudian diolah oleh peneliti. Teknik analisis data yang digunakan dalam penelitian ini adalah deskriptif kualitatif, mendeskripsikan perkembangan pembiayaan perbankan syariah serta peran perbankan syariah bagi pemulihan UMKM di tengah wabah Covid-19. Hasil penelitian menunjukkan perkembangan pembiayaan di perbankan syariah yang disalurkan untuk UMKM selama pandemi Covid-19 mengalami penurunan. Penurunan pembiayaan terbesar terjadi pada pembiayaan BPRS untuk UMKM yang mengalami penurunan sebesar 14,88 persen, pembiayaan BUS untuk UMKM mengalami penurunan sebesar 14,17 persen, dan pembiayaan UUS mengalami penurunan sebesar 13,47 persen. Peran perbankan syariah bagi pemulihan UMKM di tengah pandemi covid-19 adalah meningkatkan porsi pembiayaan UMKM, mendampingi mereka para pelaku sebagai mitra, perbankan syariah dapat memberikan keringanan pembayaran, meningkatkan jumlah pembiayaan skema bagi hasil yang lebih tepat untuk pembiayaan UMKM.   Abstract The purpose study to determine development sharia banking financing for SMEs during covid-19 pandemic. Then to find role sharia banking recover SMEs during covid-19 pandemic. Type research used library research, data source used secondary data, which has published institutions processed researchers and from various pre-existing sources. Data analysis technique used research descriptive qualitative, describing development financing sharia banking and role of sharia banking for recovery SMEs during covid-19 pandemic. Results showed development of financing in sharia banking was distributed SMEs during covid-19 pandemic experienced decrease amount of financing. Largest decline in financing occurred in BPRS financing for SMEs, which experienced decline of 14.88 percent, BUS financing investment SMEs decrease 14.17 percent, and UUS financing decrease 13.47 percent. Role sharia banking recovery SMEs during covid-19 pandemic is increasing portion financing SMEs, assisting  them players as partners, sharia banking can provide payment, increasing number financing profit-sharing schemes more appropriate for financing SMEs.
Co-Authors Anak Agung Istri Sri Wiadnyani Andi Sadapotto Anita Sukawati Asyraf Mustamin Asyraf Mustamin Atikah Widhiana Putri Euis Amalia Farid Fajrin Hargiani, Fransisca Xaveria Hasbiullah Hasbiullah Iryani Iryani Ismail Halim Ismawati Ismawati Kamaruddin Kamaruddin Kamaruddin Lismawati Lismawati M. Cholil Nafis Mega Oktaviany Muhammad Kharis Tambusa Muhlis Masin Muhlis Muhlis Nasrullah Bin Sapa Nuringsih Nuringsih Nursyamsu Nursyamsu Rizki Rahim Samsul Samsul St Hafsah Umar Sudirman Sudirman Trisno Wardy Putra yulianti yulianti