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All Journal ANTHROPOS: JURNAL ANTROPOLOGI SOSIAL DAN BUDAYA (JOURNAL OF SOCIAL AND CULTURAL ANTHROPOLOGY) E-Bisnis : Jurnal Ilmiah Ekonomi dan Bisnis JURNAL IQTISAD: Reconstruction of Justice and Welfare for Indonesia Jurnal Masharif al-Syariah: Jurnal Ekonomi dan Perbankan Syariah Wahana Islamika: Jurnal Studi Keislaman Isti`dal : Jurnal Studi Hukum Islam ISOQUANT : Jurnal Ekonomi, Manajemen dan Akuntansi YUME : Journal of Management FIDUSIA : JURNAL KEUANGAN DAN PERBANKAN IJoASER (International Journal on Advanced Science, Education, and Religion) Jurnal Tabarru': Islamic Banking and Finance Ad-Deenar: Jurnal Ekonomi dan Bisnis Islam Al-Iqtishadiyah: Ekonomi Syariah dan Hukum Ekonomi Syariah Wahana: Jurnal Ekonomi, Manajemen dan Akuntansi Jurnal Ecoment Global: Kajian Bisnis dan Manajemen Al-Kharaj: Journal of Islamic Economic and Business Rayah Al Islam : Jurnal Ilmu Islam Al Iman: Jurnal Keislaman dan Kemasyarakatan Jurnal Revenue : Jurnal Ilmiah Akuntansi Indonesian Journal of Social Research (IJSR) Neraca Al-Sharf: Jurnal Ekonomi Islam An-Nisbah : Jurnal Perbankan Syariah Jurnal Ekonomi Syariah Pelita Bangsa Jurnal Manajemen dan Profesional Khidmatan Bulletin of Community Engagement Jurnal Iqtisaduna Islamic Banking : Jurnal Pemikiran dan Pengembangan Perbankan Syariah Akuntansi'45 EKONOMIKA45 Jurnal Al-Qiyam Jurnal Tana Mana JASNA : Journal For Aswaja Studies Wadiah : Jurnal Perbankan Syariah CONSEN: Indonesian Journal of Community Services and Engagement Jurnal Perbankan Syariah Darussalam (JPSDa) J-ABDIPAMAS (Jurnal Pengabdian Kepada Masyarakat) Indo-Fintech Intellectuals: Journal of Economics and Business Wahana Islamika: Jurnal Studi Keislaman RESLAJ: Religion Education Social Laa Roiba Journal Profetik: Jurnal Pengabdian Masyarakat Horizon: Indonesian Journal of Multidisciplinary Sharef: Journal of Sharia Economics and Finance al-Balagh : Jurnal Dakwah dan Komunikasi Jurnal Ekonomi, Bisnis dan Manajemen Jurnal Cendekia Ilmiah Jurnal Ekonomi, Manajemen, Akuntansi Al Iman: Jurnal Keislaman dan Kemasyarakatan Khidmatan Wahana Islamika; Jurnal Studi Keislaman Rayah Al-Islam : Jurnal Ilmu Islam
Ansori, Miswan
Universitas Islam Nahdlatul Ulama Jepara, Indonesia
Religion Agriculture, Biological Sciences & Forestry Arts Humanities Civil Engineering, Building, Construction & Architecture Computer Science & IT Decision Sciences, Operations Research & Management Economics, Econometrics & Finance Education Engineering Environmental Science Health Professions Languange, Linguistic, Communication & Media Law, Crime, Criminology & Criminal Justice Library & Information Science Physics Public Health Social Sciences Other

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PEMANFAATAN MEDIA SOSIAL TIKTOK SEBAGAI MEDIA PROMOSI UNTUK PENGENALAN PRODUK PERBANKAN DI BANK SYARIAH INDONESIA MELALUI AKUN TIKTOK @Lifewithbsi Diassyahma, Feriza; Ansori, Miswan
Wahana Islamika Jurnal Studi Keislaman Vol. 11 No. 2 (2025): Wahana Islamika: Jurnal Studi Keislaman
Publisher : Institut Agama Islam Syubbanul Wathon Magelang

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.61136/fjsm0108

Abstract

This article examines the digital promotion strategy implemented by Bank Syariah Indonesia (BSI) through its TikTok account @Lifewithbsi in introducing Islamic banking products to younger audiences. The study is grounded in the growing role of social media—particularly TikTok—as a central medium for visual and symbolic communication among digital natives. The research aims to analyze BSI’s visual-narrative strategy and evaluate the effectiveness of promotional content in increasing audience awareness and interest. Employing a qualitative approach with a descriptive-explorative design, the study adopts digital ethnography as its main method. Data were collected through a seven-day intensive observation of video content, captions, comments, and user interactions on the @Lifewithbsi account. Findings reveal that BSI utilizes a storytelling-based promotion model, light symbolic religious messaging, and creative visual formats aligned with TikTok’s algorithmic culture. Content effectiveness is evident through high engagement levels on emotionally and informatively resonant posts. This strategy successfully enhances brand proximity and reinforces positive perceptions of BSI’s Islamic banking services. The study concludes that TikTok functions not only as a promotional platform but also as a symbolic space for shaping digital religious identity and communicatively expanding Islamic banking’s market reach through aesthetic and participatory means.
ANALISIS LAYANAN DIGITAL  DAN KEPUASAN TERHADAP LOYALITAS NASABAH PERBANKAN SYARIAH DI KABUPATEN JEPARA Bahtiar, Siti; Ansori, Miswan
Wahana Islamika Jurnal Studi Keislaman Vol. 10 No. 2 (2024): Wahana Islamika: Jurnal Studi Keislaman
Publisher : Institut Agama Islam Syubbanul Wathon Magelang

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.61136/s24jhp82

Abstract

This study aims to analyze the impact of digital services and customer satisfaction on customer loyalty in Islamic banking in Jepara Regency. With the increasing use of digital technology in the banking industry, it is essential to understand how digital services can affect customer satisfaction and loyalty. This research employs a quantitative approach with a sample of 86 Islamic bank customers in Jepara Regency. Data were collected through questionnaires distributed to respondents and analyzed using multiple linear regression analysis. The results show that digital services have a significant impact on customer satisfaction. Furthermore, customer satisfaction has a significant effect on customer loyalty. Effective and efficient digital services can enhance customer satisfaction, which in turn will increase their loyalty to Islamic banking. This study provides practical implications for Islamic banking management in improving the quality of digital services to strengthen customer loyalty.
Reconceptualizing the Regulation of Sharia Savings and Financing Cooperatives: Integrating Supervision and Guarantee Systems Miswan Ansori; Wahidullah; Zahrotun Nafisah; Abdul Djamil; Muhlis; Faiqul Hazmi
Bulletin of Community Engagement Vol. 6 No. 1 (2026): Bulletin of Community Engagement
Publisher : CV. Creative Tugu Pena

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.51278/bce.v6i1.2326

Abstract

Sharia Savings and Financing Cooperatives (KSPPS) constitute an essential component of Indonesia’s Islamic microfinance sector, providing Sharia-compliant financial services to micro and small economic actors. However, the regulatory framework governing KSPPS remains fragmented and predominantly administrative, offering limited financial supervision and insufficient protection for members’ funds. This regulatory condition creates structural disparities between KSPPS and other Sharia financial institutions and raises concerns regarding institutional stability and public trust. This study examines the legal position of KSPPS within Indonesia’s national legal framework and proposes a regulatory reconstruction aimed at integrating supervision and deposit guarantee mechanisms. Using a qualitative juridical-normative approach combined with institutional analysis and public policy evaluation, the research analyzes statutory regulations, ministerial policies, DSN-MUI fatwas, and existing supervisory practices. Comparative analysis with Islamic banking supervision is employed to identify regulatory gaps and best practices. The findings reveal that KSPPS are legally positioned as general cooperatives, resulting in fragmented oversight between administrative authorities and internal Sharia supervisory bodies that lack prudential and enforcement authority. Furthermore, the absence of a Sharia-based deposit guarantee scheme exposes members to financial risk and contradicts the Sharia objective of wealth protection (ḥifẓ al-māl). To address these challenges, the study proposes an integrated regulatory model that repositions KSPPS as Sharia microfinance institutions subject to risk-based, Sharia-compliant supervision and supported by a Sharia-based deposit guarantee scheme grounded in the principles of tabarru’ and ta‘āwun. This research contributes to Islamic financial regulation scholarship by offering a coherent normative and institutional framework that strengthens legal certainty, consumer protection, and the sustainability of Sharia cooperative finance.
Mekanisme dan Implementasi Pembiayaan KPR BTN Platinum iB dengan Akad Musyarakah Mutanaqisah di Bank BTN Syariah KCPS Kudus Husein, Nirmala Amelia; Ansori, Miswan
J-CEKI : Jurnal Cendekia Ilmiah Vol. 3 No. 6: Oktober 2024
Publisher : CV. ULIL ALBAB CORP

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.56799/jceki.v3i6.5510

Abstract

This study examines the mechanism and implementation of KPR BTN Platinum iB financing with the Musyarakah Mutanaqisah contract at Bank BTN Syariah KCPS Kudus. Using a qualitative method with a case study approach, this research explores the application process, requirements, financing analysis, and contract implementation. The results show that Bank BTN Syariah KCPS Kudus has disbursed mortgage financing to 442 customers from January 2022 to September 2024, with 25 customers using Non-Subsidized KPR products. The financing process includes document submission, analysis using the 5C principles, and the Musyarakah Mutanaqisah contract. The implementation of this contract complies with DSN-MUI Fatwa No. 73/DSN-MUI/XI/2008, where the bank and customer act as partners in asset ownership. The study concludes that KPR BTN Platinum iB financing with the Musyarakah Mutanaqisah contract has been implemented in accordance with sharia principles and provides a more flexible home financing alternative for the community. Keywoards : Islamic Mortgage Financing, Musyarakah Mutanaqisah (MMQ) Contract, Islamic Banking
Analisis Persepsi Karyawan Pada Kemudahan Akses Pembiayaan Bank Syariah dan Lembaga Pembiayaan Informal di PT Kanindo Makmur Jaya 2 Faridlotun Nimah; Wahidullah Wahidullah; Miswan Ansori
Reslaj: Religion Education Social Laa Roiba Journal Vol. 7 No. 12 (2025): RESLAJ: Religion Education Social Laa Roiba Journal
Publisher : Intitut Agama Islam Nasional Laa Roiba Bogor

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.47467/reslaj.v7i12.10206

Abstract

This study aims to analyze the perceptions of PT Kanindo Makmur Jaya 2 employees regarding the ease of access to financing through Islamic banks and informal financing institutions. The research method used qualitative data collection techniques through interviews, observation, and documentation. The results showed that employees perceived Islamic banks as having complicated procedures, requiring numerous documents, and taking a long time to disburse funds, while informal financing institutions were considered more accessible, fast, and flexible despite having high interest risks. Convenience and speed were the main reasons employees chose informal institutions to meet urgent economic needs. This study concluded that low levels of Islamic financial literacy and minimal product socialization have led to negative perceptions of Islamic banks, so strategies to improve education and simplify procedures are needed to expand Islamic financial inclusion among factory workers.
Analisis Strategi Pemasaran pada Simpanan Qurban di BMT Alhikmah Permata Cabang Plajan Kumalasari, Nureza Ayu; Ansori, Miswan; Mubarak, Ahmad Fauzan
HORIZON: Indonesian Journal of Multidisciplinary Vol. 4 No. 3 (2026): HORIZON: Indonesian Journal of Multidisciplinary (In-Press)
Publisher : Lembaga Intelektual Muda (LIM) Maluku

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.54373/hijm.v4i3.5521

Abstract

This study aims to analyse the opportunities and barriers in marketing the Qurban Savings product at BMT Al-Hikmah Permata. This study employs a qualitative approach, with data collection techniques including interviews, observation and documentation. Data analysis was conducted through the stages of data reduction, data presentation, and drawing conclusions. The results of the study indicate that the Qurban Savings product has significant market potential, supported by the strong tradition of the Qurban ritual and the high level of public interest in performing it. This product also serves as an alternative solution for those with limited funds through a gradual savings system. However, the marketing of the product still faces several obstacles, such as low public literacy regarding the product, perceptions equating it with conventional savings groups, the habit of performing qurban directly, low savings discipline, unstable economic conditions, as well as competition with other financial institutions and more established qurban savings groups. These findings indicate that marketing success is influenced not only by market potential but also by the level of public understanding and trust. Therefore, strategies are required to enhance education, promote the product based on religious values, innovate the deposit system, and improve service quality so that the product can develop more effectively.
Analisis Pembiayaan Multimanfaat Dengan Akad Murabahah Bil Wakalah Berdasarkan Fatwa DSN MUI Khoiriyah, Ahyadatul; Miswan Ansori; Wahidullah
Rayah Al-Islam Vol. 9 No. 1 (2025): Rayah Al-Islam: Jurnal Ilmu Islam Januari 2025
Publisher : Institut Muslim Cendekia

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.37274/rais.v9i1.293

Abstract

This study analyzes the implementation of the murabahah bil wakalah contract in multi- benefit financing at BTN Syariah KCPS Kudus and assesses its compliance with the DSN-MUI Fatwa No. 04/DSN-MUI/IV/2000 concerning Murabahah and No. 10/DSN-MUI/IV/2000 concerning Wakalah. The method used in this study is qualitative with data collection techniques being interviews with related parties, namely Financing Service, Operation Staff, and Sub Branch Head, as well as direct observation of the contract process and supervision of implementation in the field. The results of the study indicate that the murabahah bil wakalah contract has been implemented in accordance with the sharia principles stipulated in the DSN-MUI fatwa, especially in terms of clarity of the contract, determination of selling price, and financing mechanism. However, there are several challenges faced, especially in terms of ownership of goods before selling to customers and monitoring the use of funds to ensure that they are in accordance with the objectives of the contract. As an implication, this study recommends strengthening transaction verification mechanisms, increasing transparency in ownership of goods before being sold to customers, and more effective education strategies for customers to ensure compliance with sharia principles.
An Analysis of Culinary Business Development Strategy in an Islamic Economic Perspective Salsabila, Karina; Ansori, Miswan; Zahrotun, Zahrotun
International Journal on Advanced Science, Education, and Religion Vol 8 No 1 (2025): IJoASER (International Journal on Advanced Science, Education)
Publisher : Sekolah Tinggi Agama Islam Al-Furqan, Makassar - Indonesia

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.33648/ijoaser.v8i1.796

Abstract

In this era of globalization, the culinary industry has become a sector that is growing rapidly, both at the local and international levels . Indonesia, with its cultural diversity and abundant culinary riches, is a fertile place for the growth of the culinary business. Among the various factors that influence the success of a culinary business, the right development strategy plays a key role in ensuring business continuity. The culinary sector is also an inseparable part of the lives of Muslim communities, who often follow Islamic economic principles in various aspects of their lives, including business. The principles of Islamic economics, which include justice, togetherness and transparency, can be a valuable guide in designing culinary business development strategies that are sustainable and in line with Islamic values. This study will focus on a culinary company called Idola Snack and Catering which is based in Jepara. Jepara, as one of the cities in Indonesia with a unique cultural and culinary richness, provides an interesting context for studying culinary business development strategies. Using an Islamic economic approach, this research will analyze the development strategies implemented by Idola Snack and Catering, as well as their impact on financial performance, business growth and contribution to the local community. By better understanding how the principles of Islamic economics can be applied in the culinary business, it is hoped that this research can provide valuable insight for culinary industry players, entrepreneurs, academics and observers of Islamic economics in an effort to improve the quality and sustainability of culinary businesses in Indonesia, as well as creating a wider positive impact on society.
The Effect of Service Quality and Digital Promotional Strategies on Gen Z Customers’ Satisfaction with Mobile Banking (Case Study of BTN Syariah Kudus) Putri Aria; Ahmad Fauzan Mubarok; Miswan Ansori
Jurnal Iqtisad Vol 13 No 1 (2026): Jurnal Iqtisad
Publisher : Universitas Wahid Hasyim Semarang

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.31942/iq.v13i1.15377

Abstract

This study aims to analyze the influence of mobile banking service quality and digital promotion strategies on user satisfaction with BTN Syariah Mobile among Gen Z customers at the BTN Syariah Kudus Sub-Branch Office (KCP). The research adopts a quantitative approach with an associative type of study. The population consists of Gen Z customers who are active users of BTN Syariah Mobile in Kudus, with a sample of 90 respondents selected using the purposive sampling method. Data analysis techniques include instrument testing, classical assumption testing, and multiple linear regression analysis conducted via SPSS. The partial results of the study indicate that service quality has a positive and significant effect on user satisfaction (t-count 2.258 > 1.987; Sig 0.026 < 0.05). Digital promotion strategy also has a positive and significant effect on user satisfaction (t-count 3.846 > 1.987; Sig 0.000 < 0.05). Simultaneously, both variables significantly influence user satisfaction with an F-value of 30.432 and a significance value of 0.000. The Adjusted R Square value of 0.398 indicates that service quality and digital promotion contribute 39.8% to the satisfaction of using BTN Syariah Mobile, while the remaining percentage is influenced by other factors outside this research model.
Co-Authors aan wahyudin Abdul Djamil Abdulloh Yusuf, Ahmad Aditya, M.Fajar Ady Riyansyah Ahmad Aris Ahmad Fauzan Mubarok Ahmad Saefudin Ahmad Septian Eka Setiawan Ahyadatul Khoiriyah Aisyah Aisyah Amalia, Lutfi Nur Amaliya, Feny Nor Andika Febrian Pratama Anggraini, Nur Ai'sah Anggraini Anggun Anggraini Aniqotun Zukhanid Arida Risqiana Arif Mustofa, Nur Asror, Khozinatul Ayuk Widiyah Bahtiar, Siti Budi Utami, Cahyaning Budi, Eka Setya Cahyaning Budi Utami Desi Tarwinanti Dewi Saputri, Oktaviana Dias Prihatmoko Diassyahma, Feriza Divani Nuril Khaqiqi Dwi Arini, Rina Eka Fitri Nor Faizah, Natasya Eki Dwi Septiani Eri Susanti Erna Wijayanti Fadia Risqi Dwiyanti Faiqul Hazmi Faridlotun Nimah Faristania, Reza Anida Farizki, Indhona Lukman Fatjri Rohman Febrina Eka Zunita feriza FINA FELIA PRAMUDITA Fitriyani, Yeny Hasanuddin, Ahmad Hasyim HS, Ahmad Fuad Hazmi, Faiqul Henny Ishalia Pratiwi Husein, Nirmala Amelia Ika Wahyu Purnama Ilham, Mohammad Imron Choeri Indrawati, Apriliyani Zunita Irfana, Naila Iskandar, Arip Dwi Karisma Alfiyati, Devi Khoiriyah, Ahyadatul Kumalasari, Nureza Ayu Kusuma, Dewa Linda listiyani Listianingrum, Lailiya M. Azrul Aditya Saputra M.Fajar Aditya Maryono Maryono Maula Ristya Maulidya Berliana Rahmawati Mubarak, Ahmad Fauzan Mubarok, Ahmad Fauzan Muchammad Muchammad Mufidah Lu’lu’ah Muhammad Ichsan syarifudin Muhammad Junaidi Retno Manggolo Muhlis Munasir Muthoin Muthoin, Muthoin Nafisah, Zahrotun Nafisah, Zahrotun Naili Rahma Yuliani Naufal Rif’at, Dhany Nikmatun Ulya Nirmala Amelia Husein Nukhi Firdausi, Anfa Nur Arif Mustofa Nur Maulidia, Rizka Oktaviani, Vika Rohma Oktavina, Nikhla Pontiningsih, Nely Purwanto, Purwanto Putri Anjar Sari, Laila Putri Aria Putri Ningsih, Nia Putri, Liana Qodriyatul Alfiyah Qoriatul Hikmah Ramadhan Pujisantoso, Rahmat Rena Eka Nurmayanti Risma Hanifatur Rosyida Rizky Amalia, Ratna Rohman, Syifaur Rokhimah, Rokhimah Rosidah, Ida Sadid, Diva Mustamar Salma Mufarrikhatul Walidiyah Salsabila, Karina Saputri, Zulinda Kurniawati Sholihatussifa, Nailis Sholikhati Ikmah, Ika Subaidi Subaidi Syarifatul Wardah Tutik Rofiqoh Tutik Rofiqoh Ubaidillah Ubaidillah Usfadhiya, Nafis Utami, Cahyaning Budi Vina Khoirotun Nisa Wahidullah Wahidullah Wahidullah Wahidullah, Wahidullah Wahyudin, Aan Yeny Fitriyani Yuliani, Naili Rahma zahrotun nafisah Zahrotun Nafisah Zahrotun, Zahrotun Zaman, Wahyu Khoiruz ⁠Cahyaning Budi Utami