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All Journal ESA J-ESA (Jurnal Ekonomi Syariah) Journal of Economics and Social Sciences Journal of Islamic Elementary Education
Achmad Tarmidzi Anas
Institut Agama Islam Al-Khairat Pamekasan
Agriculture, Biological Sciences & Forestry Economics, Econometrics & Finance Education Languange, Linguistic, Communication & Media Law, Crime, Criminology & Criminal Justice Library & Information Science Materials Science & Nanotechnology Mathematics Social Sciences

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Analisis Strategi Relationship Marketing pada BMT NU Pragaan Kabupaten Sumenep Achmad Tarmidzi Anas; Ismail Ismail
J-ESA (Jurnal Ekonomi Syariah) Vol 4 No 2 (2021): Desember
Publisher : Program Studi Ekonomi Syariah IAI Muhammadiyah Bima

Show Abstract | Download Original | Original Source | Check in Google Scholar | Full PDF (600.336 KB) | DOI: 10.52266/jesa.v4i2.748

Abstract

Penelitian ini bertujuan untuk (1) menganalisis strategi relationship marketing pada BMT NU Pragaan Kabupaten Sumenep, (2) menganalisis implikasi relationship marketing pada BMT NU Pragaan Sumenep. Penelitian dilakukan menggunakan pendekatan kualitatif, dengan jenis peneltian studi kasus. Teknik pengumpulan data yang dilakukan dengan menggunakan metode observasi, wawancara dan dokumentasi. Sedangkan pengecekan keabsahan data menggunakan trianggulasi teknik. Hasil penelitian menunjukkan bahwa strategi yang dibangun adalah: Pertama, menyediakan berbagai jenis produk secara kompleks. Kedua, menjalin silaturahmi dengan mengadakan pertemuan rutin di daerah-daerah prioraitas yang memiliki prospek besar dalam menjalankan pemasaran. Ketiga, mempererat hubungan serta menjalin kerjasama dengan beberapa instansi atau lembaga tertentu pada beberapa kegiatan tertentu untuk tetap menjaga hubungan dengan nasabah. Keempat, memberikan pelayanan jemput bola untuk memudahkan nasabah dalam melakukan transaksi. Kelima, menghadiri beberapa kegiatan lembaga pendidikan untuk menjaga hubungan kekeluargaan serta menjaga ikatan emosional dengan nasabah. Adapun implikasinya, mampu menarik minat nasabah untuk melakukan transaksi serta meningkatkan loyalitas nasabah lama terhadap BMT NU karena terbentuknya kepercayaan serta rasa nyaman dengan hubungan yang dibangun. Sehingga strategi relationship yang dibangun oleh BMT NU mampu meningkatkan citra positif terhadap masayarakat.
The Behaviour of Generation Z Towards the Use of Sharia Digital Banking: Perspectives of Trust, Financial Literacy, and Religious Values Achmad Tarmidzi Anas
Journal of Economics and Social Sciences (JESS) Vol. 4 No. 2 (2025): Journal of Economics and Social Sciences (JESS)
Publisher : CV. Civiliza Publishing

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.59525/jess.1354

Abstract

This study examines the behavioral intentions of Generation Z toward the use of Islamic digital banking services, emphasizing the roles of trust, Islamic financial literacy, and religiosity. Motivated by the growing yet underutilized potential of Gen Z in Indonesia's digital banking market, this research adopts a quantitative explanatory approach using Structural Equation Modeling – Partial Least Squares (SEM-PLS) to evaluate the causal relationships among the variables. The study surveyed Muslim individuals aged 18 to 27 who had experience using digital banking platforms. Data were collected through purposive sampling and analyzed using SmartPLS. The results indicate that all three independent variables have a significant and positive influence on the intention to use Islamic digital banking services. Among these, trust emerged as the most dominant predictor, suggesting that perceptions of system security, institutional transparency, and Shariah compliance greatly shape user decisions. Additionally, higher levels of Islamic financial literacy enhance rational financial behavior and product differentiation between conventional and Islamic banking. Religiosity also proved to be a meaningful determinant, reinforcing that spiritual values influence economic decisions even in a digital environment. This study contributes to the theoretical advancement of Islamic behavioral finance by integrating cognitive, affective, and normative dimensions into a unified framework. Furthermore, the findings provide practical insights for Islamic banking institutions in designing trust-based and value-aligned digital services targeted at Generation Z consumers. The research also recommends expanding the Technology Acceptance Model (TAM) by incorporating ethical-spiritual constructs to better contextualize financial behavior in Muslim societies.
Analisis Strategi Relationship Marketing pada BMT NU Pragaan Kabupaten Sumenep Achmad Tarmidzi Anas; Ismail Ismail
J-ESA (Jurnal Ekonomi Syariah) Vol. 4 No. 2 (2021): Desember
Publisher : Program Studi Ekonomi Syariah IAI Muhammadiyah Bima

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.52266/jesa.v4i2.748

Abstract

Penelitian ini bertujuan untuk (1) menganalisis strategi relationship marketing pada BMT NU Pragaan Kabupaten Sumenep, (2) menganalisis implikasi relationship marketing pada BMT NU Pragaan Sumenep. Penelitian dilakukan menggunakan pendekatan kualitatif, dengan jenis peneltian studi kasus. Teknik pengumpulan data yang dilakukan dengan menggunakan metode observasi, wawancara dan dokumentasi. Sedangkan pengecekan keabsahan data menggunakan trianggulasi teknik. Hasil penelitian menunjukkan bahwa strategi yang dibangun adalah: Pertama, menyediakan berbagai jenis produk secara kompleks. Kedua, menjalin silaturahmi dengan mengadakan pertemuan rutin di daerah-daerah prioraitas yang memiliki prospek besar dalam menjalankan pemasaran. Ketiga, mempererat hubungan serta menjalin kerjasama dengan beberapa instansi atau lembaga tertentu pada beberapa kegiatan tertentu untuk tetap menjaga hubungan dengan nasabah. Keempat, memberikan pelayanan jemput bola untuk memudahkan nasabah dalam melakukan transaksi. Kelima, menghadiri beberapa kegiatan lembaga pendidikan untuk menjaga hubungan kekeluargaan serta menjaga ikatan emosional dengan nasabah. Adapun implikasinya, mampu menarik minat nasabah untuk melakukan transaksi serta meningkatkan loyalitas nasabah lama terhadap BMT NU karena terbentuknya kepercayaan serta rasa nyaman dengan hubungan yang dibangun. Sehingga strategi relationship yang dibangun oleh BMT NU mampu meningkatkan citra positif terhadap masayarakat.
Transforming the Role of PGSD/PGMI Lecturers in Preparing Teacher Candidates Who Are Adaptive to Technological Disruption Sari Nusantara Putri; Alfiansyah Alfiansyah; Achmad Tarmidzi Anas
Journal of Islamic Elementary Education Vol. 4 No. 1 (2026): Journal of Islamic Elementary Education
Publisher : LP2M IAI Al-Khairat Pamekasan

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.32806/islamentary.v4i1.1660

Abstract

The rapid advancement of digital technology has significantly transformed the landscape of education, demanding a fundamental shift in the roles of educators, particularly in teacher education programs. This study aims to analyze the transformation of lecturers’ roles in PGSD/PGMI in preparing prospective teachers who are adaptive to technological disruption. The research employs a qualitative approach with a descriptive case study design to explore in depth the practices, challenges, and strategies implemented by lecturers in integrating technology into the learning process. Data were collected through in-depth interviews, observations, and documentation, and analyzed using an interactive model involving data reduction, data display, and conclusion drawing. The findings reveal that lecturers have undergone a significant role transformation from knowledge transmitters to facilitators, learning designers, and innovators. This transformation is reflected in the implementation of student-centered learning approaches, integration of digital technologies, and the emphasis on developing digital literacy and 21st-century skills among pre-service teachers. However, the study also identifies several challenges, including disparities in digital competence, limited technological infrastructure, and resistance to pedagogical change. The study concludes that the transformation of lecturers’ roles is essential in producing adaptive, innovative, and technologically competent teachers. Therefore, continuous professional development, institutional support, and strategic policy implementation are required to optimize the quality of teacher education in the era of technological disruption.
HIFZ AL-MAL DAN EKONOMI RAKYAT: STUDI KASUS KO-EKSISTENSI WARUNG MADURA DI TENGAH EKSPANSI RETAIL MODERN DI SURABAYA Achmad Tarmidzi Anas; Komaruddin
ESA Vol 8 No 2 (2026): AGUSTUS
Publisher : SEKOLAH TINGGI ILMU SYARIAH ABU ZAIRI BONDOWOSO

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.58293/esa.v8i2.207

Abstract

The expansion of modern retail in Indonesia's major cities is often assumed to weaken the existence of traditional retail. However, the Madura warung phenomenon shows the opposite pattern: these ethnicity-based informal retail businesses not only survive, but in many cases benefit from the proximity of the location to modern retail. This multi-site case study qualitative research explores the mechanism of co-existence in five locations with different characteristics in Surabaya, fishing areas (Kenjeran), religious tourism (Ampel), main roads/stations (Jl. Kusuma Bangsa), campus/boarding houses (Gubeng), and market/terminal areas (Wonokromo), with the conceptual framework of sharia maqashid, especially Hifz Al-Mal, combined with the concept of retail cohabitation and ethnic entrepreneurship. Data was collected from 16 informants (five stall owners, five consumers, five modern retail employees or managers, and one Madura community leader) through semi-structured interviews, as well as multi-time field observations. The findings show that co-existence is shaped by product differentiation and operational time, the flexibility of trust-based transactions, the social capital of ethnic networks institutionalized through associations, and the values of Islamic business ethics that are inherited across generations. Cross-location analysis also revealed important variations: the advantages of 24-hour operation hours of warungs are not always significant in locations with modern retail that are also open for a long time (Jl. Kusuma Bangsa), and the character of the area (demographics, surrounding economic activities) has proven to be a much stronger determinant of co-existence patterns than mere spatial proximity. This study contributes to expanding the concept of cohabitation by including the institutional dimensions of social capital, ethnicity, and Islamic business ethics as additional mechanisms that explain people's economic resilience.
Co-Authors Alfiansyah Alfiansyah Ismail Ismail Komaruddin Sari Nusantara Putri