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All Journal JURNAL KARSA (Terakreditasi No. 80/DIKTI/Kep/2012) EKSYAR: Jurnal Ekonomi Syari'ah & Bisnis Islam KARSA: Jurnal Sosial dan Budaya Keislaman (Journal of Social and Islamic Culture) Jurnal Masharif al-Syariah: Jurnal Ekonomi dan Perbankan Syariah Dirosat : Journal of Islamic Studies al-Afkar, Journal For Islamic Studies Jurnal Yuridis Iqtishoduna: Jurnal Ekonomi Islam Reflektika Iqtishodiyah : Jurnal Ekonomi dan Bisnis Islam El-Waroqoh : Jurnal Ushuluddin dan Filsafat Bayan lin-Naas : Jurnal Dakwah Islam Iqtishodiyah : Jurnal Ekonomi dan Bisnis Islam Journal of Management and Islamic Finance Jurnal Ekonomika Dan Bisnis El-Fata: Jurnal Ilmu Tarbiyah Masyrif : Jurnal Ekonomi, Bisnis dan Manajemen Concept: Journal of Social Humanities and Education COMPETITIVE: Journal of Education LECTURES: Journal of Islamic and Education Studies Multiverse: Open Multidisciplinary Journal ATTAQWA: Jurnal Pendidikan Islam dan Anak Usia Dini ORGANIZE: Journal of Economics, Management and Finance DIROSAT: Journal of Education, Social Sciences & Humanities International Journal of Trends in Accounting Research Beginner: Journal of Teaching and Education Management Amandemen: Journal of Learning, Teaching and Educational Studies Al-Fadlan: Journal of Islamic Education and Teaching Neraca Manajemen, Akuntansi, dan Ekonomi Jurnal Investasi Islam Demagogi: Journal of Social Sciences, Economics and Education Bayan lin-Naas : Jurnal Dakwah Islam Assyarikah: Journal Of Islamic Economic Business Journal of Economic and Islamic Research Al-Fadilah: Islamic Economics Journal El-Waroqoh : Jurnal Ushuluddin Dan Filsafat Rihlah Iqtishad: Jurnal Bisnis dan Keuangan Islam Jurnal Ekonomi, Bisnis dan Manajemen Reflektika Responsive: Jurnal Manajemen Pendidikan Islam
Holilur Rahman
Institut Dirosat Islamiyah Al-Amien (IDIA) Prenduan
Religion Arts Humanities Astronomy Decision Sciences, Operations Research & Management Earth & Planetary Sciences Economics, Econometrics & Finance Education Energy Engineering Environmental Science Languange, Linguistic, Communication & Media Law, Crime, Criminology & Criminal Justice Library & Information Science Medicine & Pharmacology Physics Public Health Social Sciences Other

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ANALISIS MARKETING MIX SYARIAH PADA PRODUK GRIYA HASANAH DALAM PENINGKATAN JUMLAH NASABAH PADA BANK SYARIAH INDONESIA KCP DIPONEGORO SUMENEP Rahman, Holilur; Annisa, Annisa; Zahrah, Alfian Rihtuz; Lisniati, Lisniati
Reflektika Vol 15, No 2 (2020)
Publisher : Universitas Al-Amien Prenduan

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.28944/reflektika.v15i2.948

Abstract

It is hoped that the mager policy of three Islamic banks in Indonesia will provide a choice of new financial institutions for Islamic-based communities while at the same time increasing the national economy. The purpose of this study is to determine the implementation of sharia marketing mix at Bank Syariah Indonesia KCP Diponegoro. This research uses a qualitative descriptive method by applying a case study approach that aims to obtain information directly from informants. Data collection techniques using observation, interviews and documentation. Based on the results of this study, it shows that the application of marketing strategies using a marketing mix (marketing mix), the products offered are very varied according to the needs of society for the present and future, while from very cheap and flexible prices to make transactions. For an easily accessible location, then promotions using personal selling, brochures and others. However, the impact of implementing sharia marketing mix on griya hasanah products is not good, because recently the product that has been favored is Pre-Retirement Blessings
KAJIAN BAURAN PEMASARAN PEMBIAYAAN PENSIUNAN DALAM PENINGKATAN MINAT NASABAH BANK SYARIAH INDONESIA KCP SUMENEP TRUNOJOYO 1 Rahman, Holilur; Wardasari, Mamik Astik; Mutmainnah, Nur Eka; Zulfa, Kamalina; Romsiyeh, Romsiyeh; Mabruroh, Mubrikatul
Reflektika Vol 16, No 2 (2021)
Publisher : Universitas Al-Amien Prenduan

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.28944/reflektika.v16i2.907

Abstract

Pension funds are a funding system in forming accumulated funds. This is needed to maintain continuity of income and work security. The potential for pension funds can support the growth of consumer financing for Indonesian Islamic banks. With this, in order to achieve maximum results it is necessary to have a marketing mix which is one of the marketing strategies to convey information widely, introduce a product and service, stimulate consumers to give and even create personal preferences for the image of a product. Therefore, the marketing mix is considered as one of the most potential strategic elements in marketing products. This study aims to determine the application of the marketing mix for pension financing BSI KCP Sumenep Trunojoyo 1, both in terms of price, low administrative costs and competitive profit sharing, as well as promotions used. The method used in this study is a qualitative method with data collection techniques which include observation, interviews, and documentation. Implications of the marketing mix in increasing customer interest in retirement financing Bank Syariah Indonesia KCP Sumenep Trunojoyo 1 implements the 4P marketing mix strategy (product, price, place, promotion). The marketing strategy in dealing with competition for retirement financing products at Bank Syariah Indonesia KCP Sumenep Trunojoyo 1 uses a special attack strategy, namely direct visits to the residences of prospective customers and permanent customers
Educational Financing and Professional Allowances as Determinants of Teacher Welfare in Islamic Educational Institutions: A Literature Study on the Role of Edupreneurship as a Teacher Empowerment Strategy Holilur Rahman; Sulistia Ningrum; Uswatun Hasanah; Ati’atur Robbaniyah; Annawiyah, Annawiyah; Halimi, Halimi
Responsive: Jurnal Manajemen Pendidikan Islam Vol. 1 No. 4 (2025)
Publisher : Penerbit Hellow Pustaka

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.61166/responsive.v1i4.54

Abstract

Teacher welfare is a key factor in improving the quality of education, but to date it remains a fundamental issue both globally and nationally. Although the Indonesian government has allocated significant funding for education, including professional allowances as a means of improving teacher professionalism and welfare, the reality on the ground shows that the welfare gap is still very pronounced. Civil servant teachers tend to earn a stable income, while millions of contract teachers still face economic constraints that affect their motivation and performance. At the same time, technological developments and the digitization of education have opened up opportunities for teachers to develop edupreneurship as a strategy for increasing income and developing competencies. However, teachers' ability to participate in educational entrepreneurship activities is greatly influenced by their level of welfare, including the effectiveness of education funding and the distribution of professional allowances. This study aims to analyze the role of education funding and professional allowances as determinants of teacher welfare, as well as how this welfare affects teacher participation in edupreneurship as a form of economic empowerment. Using a qualitative approach based on literature review, this study found that improved teacher welfare has a strong correlation with their ability to innovate, develop digital skills, and engage in edupreneurship activities. These findings emphasize the need for more equitable, sustainable, and responsive education financing policies that address teachers' needs in order to support professional empowerment while improving the quality of national education.
Kepatuhan Syariah dalam Implementasi Pembiayaan Tabarok dengan Akad Hanapi, Sopian; Rahman, Holilur
Assyarikah: Journal of Islamic Economic Business Vol 6, No 2 (2025): Assyarikah: Journal Of Islamic Economic Business
Publisher : Al-Amien Prenduan for Islamic Institute

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.28944/assyarikah.v6i2.2491

Abstract

This study aims to examine the implementation of Tabarok financing using the mu??rabah contract and to identify the factors influencing its Sharia compliance at PT. BPRS Sarana Prima Mandiri Pamekasan. The focus of the study is directed toward assessing the conformity of financing practices with Sharia principles, considering the distinctive characteristics of the Tabarok product, which applies a daily installment system and a door-to-door marketing strategy that may lead to variations in implementation in the field. This research adopts a qualitative approach with a descriptive method, employing interviews, observations, and documentation as data collection techniques, while data validity is ensured through source triangulation. The findings indicate that Tabarok financing is implemented under a mu??rabah scheme, in which the bank acts as the ???ibul m?l (capital provider) and the customer as the mu??rib (entrepreneur), with a flexible daily installment mechanism adjusted to the customer’s business capacity. The One Day One Street marketing strategy is applied to bring financing services closer to micro-entrepreneurs while simultaneously expanding Islamic financial inclusion. Sharia compliance in Tabarok financing is influenced by several key factors, including customer selection and eligibility assessment, Sharia education related to mu??rabah principles, active supervision by the Sharia Supervisory Board, and continuous financing monitoring. The study concludes that the implementation of Tabarok financing complies with Sharia principles in terms of contractual structure, fund management mechanisms, and supervisory processes. This research contributes to enriching empirical studies on mu??rabah-based financing practices in Islamic rural banks (BPRS), particularly microfinance products utilizing daily installment systems and direct community-based marketing approaches.
MEMBANGUN RUANG PUBLIK DIGITAL YANG SEHAT: AKTUALISASI KONSEP AMAR MA’RUF NAHI MUNKAR MELALUI LITERASI MEDIA BERBASIS AL-QUR’AN Ali, Ahmad Zulfikar; Ramadhan, Yusfar; Rahman, Holilur
Reflektika Vol 20, No 2 (2025)
Publisher : Universitas Al-Amien Prenduan

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.28944/reflektika.v20i2.2463

Abstract

The digital public sphere is currently experiencing a serious pathology characterized by massive disinformation, polarization, and degradation of communication ethics, transforming it from an arena of rational dialogue into a toxic “echo chamber.” Conventional media literacy approaches that are technical and secular in nature are considered inadequate to address this crisis of values. This article aims to formulate a conceptual framework for alternative media literacy rooted in the transcendental values of the Qur'an as a fundamental solution. This study uses a qualitative method with a library research design, dialoguing the classical doctrine of Amar Ma'ruf Nahi Munkar with the reality of contemporary cyber communication. The results of the study show that Amar Ma'ruf Nahi Munkar needs to be re-actualized from a normative theological doctrine into an adaptive “cyber activism” strategy for digital algorithm structures. The main finding of this study is the construction of a “Quran-based Media Literacy” model, which integrates the spirit of Amar Ma'ruf Nahi Munkar as the spirit for basic media competence; where intention management becomes the basis for accessing information, the tabayyun mechanism becomes the basis for critical analysis, and qaulan sadidan ethics become the basis for content participation. This model shifts the literacy paradigm from merely producing cognitively intelligent netizens to netizens who possess digital piety.
Financing Educational Institutions from the Perspective of Edupreneurship in the Digital Era Holilur Rahman; Fina Alaillah; Ansisca, Ansisca; Aishmah Naily Fauziyah; Annatul Aini
Demagogi: Journal of Social Sciences, Economics and Education Vol. 4 No. 1 (2026): February
Publisher : Penerbit Hellow Pustaka

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.61166/demagogi.v4i1.141

Abstract

Digital transformation has brought significant changes in education governance, including accountability, transparency, and the effectiveness of financial management. However, many educational institutions still face obstacles such as reliance on manual systems, low digital literacy, and lack of use of financial technology. The edupreneurship approach offers solutions through funding innovation, diversification of funding sources, business unit development, and digital fundraising that can strengthen the sustainability of the institution. In this study, a descriptive qualitative method with a literature study was used to identify key concepts, research findings, and relevant financing models. The results of the study show that education financing has a strategic role in ensuring the smooth operation of institutions, improving the quality of education services, strengthening planning and accountability, ensuring equitable access to education, optimizing philanthropy, and providing economic and social benefits for the community. In addition, the integration of digitalization and edupreneurship has proven to be able to encourage transparency while opening up innovative funding opportunities, although there are still challenges in the form of infrastructure gaps and limited human resources. This study confirms that there is a research gap in the integration of the two approaches, so a financing management model that combines the power of technology and entrepreneurial innovation is needed to support the sustainability of educational institutions in the digital era.
Reinventing Pesantren Economies: Islamic Social Entrepreneurship as a Model for Sustainable Community Transformation Argantara, Zaid Raya; Haryono, Slamet; Wardi, Moh.; Rahman, Holilur; Rafiqi, Iqbal; Puad, Noor Aimi Mohamad
IQTISHODUNA: Jurnal Ekonomi Islam Vol. 15 No. 1 (2026): April (on progress)
Publisher : Department of Sharia Economics Faculty of Islamic Economics and Business, Universitas Islam Syarifuddin Lumajang, Indonesia

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.54471/iqtishoduna.v15i1.3012

Abstract

This study examines the role of Islamic social entrepreneurship in reinventing pesantren-based economies as a sustainable model for community transformation within the broader discourse of inclusive and ethical development. Employing a qualitative descriptive-analytical approach, data were collected through in-depth interviews, participant observation, and documentation at Pondok Pesantren Al-Amien Prenduan, Indonesia. The findings demonstrate that the implementation of Islamic social entrepreneurship through the Micro Waqf Bank (BWM) Al-Pend Barokah Mandiri significantly contributes to economic empowerment among productive low-income communities. Beyond local impact, this pesantren-based model addresses global challenges related to financial inclusion, social inequality, and sustainable development by embedding Islamic ethical values within entrepreneurial practices. The study contributes to the literature by conceptualizing pesantren not merely as religious institutions but as transformative socio-economic actors capable of driving inclusive growth. This research proposes pesantren-based Islamic social entrepreneurship as a viable alternative framework for sustainable community transformation in emerging Muslim economies.
Dimensi Carter dalam Peningkatan Kualitas Layanan dan Loyalitas Nasabah pada PT. BPRS Bhakti Sumekar Cab. Pragaan Siti Inayatul Azaliya; Holilur Rahman
Jurnal Masharif al-Syariah: Jurnal Ekonomi dan Perbankan Syariah Vol 11 No 1 (2026)
Publisher : Universitas Muhammadiyah Surabaya

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.30651/jms.v11i1.30936

Abstract

The quality of service provided by the bank is one of the factors that can attract customers. To find out how much quality of service in Islamic banking, you can use the CARTER dimensions, namely Compliance, Assurance, Reliability, Tangible, Empathy, and Responsiveness. However, there are still complaints from customers regarding the quality of service that is not optimal. Starting from the parking facilities that are still minimal and the assumption that BPRS does not provide ATM facilities. The problem raised in this study is how the quality of service and customer loyalty at BPRS Bhakti Sumekar Cab. Pragaan by using the CARTER dimension, which is described in two focuses, namely: 1. How is the application of the CARTER dimension at PT BPRS Bhakti Sumekar Cab. Pragaan 2. How the CARTER dimension can improve service quality and customer loyalty at PT BPRS Bhakti Sumekar Cab. Pragaan. This research was designed using a descriptive qualitative approach. The data sources in this research are branch heads, tellers, and customers. The data collection techniques used were observation, interviews, and documentation. Data analysis uses data reduction, data presentation, and conclusion drawing. For data validity, researchers used observation persistence and triangulation. The results of this study are the implementation of the CARTER dimension that has been carried out at PT. Bank BPRS Bhakti Sumekar Cab. Pragaan has been implemented well, this can be seen from customer satisfaction with the services provided both in terms of compliance with sharia, guarantees, reliability, physical evidence, concern and responsiveness. CARTER dimensions can improve service quality and customer loyalty at BPRS Bhakti Sumekar Cab. Pragaan, this can be seen from employees when providing services to customers. While customer loyalty is seen from customers making repeated purchases, customers recommending to others, talking about positive things to others and showing immunity to the pull of competitors.
Co-Authors A Hasib Abdul Hannan Abdullah Muhammady Ach Subairi Ach.Sudaryo Ade Faizin Ahadiah Hanum Ahmad Budi Susanto Ahmad Muta’ali Ahmad Zulfikar Ali Aishmah Naily Fauziyah al umam, Mupti Al-qusyairi JNZ, Rahmat fajar Alfian Rihtuz Zahrah Ali Wafa AMINULLAH Annatul Aini Annawiyah, Annawiyah Annisa Annisa Annisa Annisa Ansisca, Ansisca Astri Ningsih Ati’atur Robbaniyah Busro Busro Busro, B. Dianawati Bt Mat Romli Dumyati, Dumyati Fadilah Fadilah, Fadilah Faizah, Maftuhatul faizatul Husna Fajriyatul Izzah Fathul Rahman Fatin Najwa Nazurah Fena Ulfa Aulia Fina Alaillah Firman Ashari Ghina Shafiyyah Halimi, Halimi Hanapi, Sopian Hasanah, Rif’atul Hayati Selvia Idha Suhartatik Iffatul Aimmah Ilham Abdul Jalil Imam Buchari, Imam Isna Hidayati Istifadzah Istifadzah Kamalina Zulfa Lisniati Lisniati Lisniati, Lisniati Luluk Mukarromah Luluk Mukarromah M. Yogi Riyantama Isjoni Mabruroh, Mubrikatul Madhar Amin Madona Agustin Sari Mamik Astik Wardasari Miranda, Miranda Moh. Mahfud Moh. Wardi Mubrikatul Mabruroh Muhammad Edi Gunawan Muhammad Hafiz Muhammad Rosul Muhammad Sofiullah Muhammad Syaiful Islam Muhammadi, Hamas Mujibno, Mujibno Mukarromah, Luluk Mustaminah Mutmainnah, Nur Eka Nafilatur Rohmah, Nafilatur Noor Aimi Mohamad Puad Nur Atika Alias Nur Eka Mutmainnah Puad, Noor Aimi Mohamad Rafika Nur Yuliatri Rafiqi, Iqbal Ramadhan, Yusfar Romsiyeh Romsiyeh Romsiyeh, Romsiyeh Samdani, Dani Shophan Readi S Siti Inayatul Azaliya Sitti Maulida Slamet Haryono Sulistia Ningrum Suprima Taufiq Marwina Hakim Turmidi, Turmidi Ulfa Nur Sakinah Ummi Kulsum USWATUN HASANAH Wardasari, Mamik Astik Wasful Elmiah Zahrah, Alfian Rihtuz Zaid Raya Argantara Zainal Abidin Zainal Abidin Zian Salsabila Bidaula Zulfa, Kamalina