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Journal : Miftah

Pengangguran , Pendidikan , Inflasi dan Kemiskinan di Indonesia Periode Tahun 2014-2020 Findianingsih, Arisa; Sulasih, Sulasih; Shafrani, Yoiz Shofwa; Novandari, Weni
Miftah : Jurnal Ekonomi dan Bisnis Islam Vol. 1 No. 2 (2023): October 2023
Publisher : Yayasan Pondok Pesantren Sunan Bonang Tuban

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.61231/miftah.v1i2.79

Abstract

The aim of this research is to determine the influence of unemployment, education and inflation on poverty in Indonesia for the 2014-2020 period, either partially or simultaneously. Type of quantitative research with secondary data sources, namely those originating from the Central Statistics Agency (BPS). The total population of 34 provinces in Indonesia, the entire population was used as a sample or saturated sample. Meanwhile, the data analysis technique is multiple regression analysis. The results of this research show that the unemployment and inflation variables partially have a positive and significant effect on poverty in Indonesia for the 2014-2020 period with a t-count value of 2.326 > 1.6586 (t-table) and a significance value of 0.022 < alpha (0, 05) and the t-count value is 2.118 > 1.6586 (t-table) and the significance value is 0.036 > alpha (0.05). Meanwhile, the education variable partially has no effect on poverty in Indonesia for the 2014-2020 period because the t-count value is 1.486 < 1.6586 (t-table) and the significance value is 0.140 > alpha (0.05). Simultaneously, unemployment, education and inflation have a positive and significant effect on poverty in Indonesia for the 2014-2020 period with an f-count value of 909.066 > 2.686 (F-table) with a significance value of 0.000 < alpha (0.05).
Analisis Penerapan Etika Bisnis Islam Dalam Komunikasi Pemasaran Produk Simpanan Simbakota di BMT Dana Mentari Muhammadiyah Purwokerto Sulasih, Sulasih; Novandari, Weni; Setyanto, Refius Pradipta
Miftah : Jurnal Ekonomi dan Bisnis Islam Vol. 2 No. 1 (2024): April 2024
Publisher : Yayasan Pondok Pesantren Sunan Bonang Tuban

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.61231/miftah.v2i1.213

Abstract

BMT Dana Mentari Muhammadiyah Purwokerto Karanglewas Service Office presents the SIMBAKOTA savings product which aims to meet customers' basic needs on Eid. In marketing SIMBAKOTA products, of course, it is adapted to Islamic business ethics and marketing communications in order to create good service to customers so that it can increase the number of customers and income every year. This research is field research using a qualitative approach method with descriptive analysis. The results of this research have implemented Islamic business ethics in running its business by prioritizing the values of monotheism, balance, free will, responsibility and ihsan. As well as its relationship with marketing communications in accordance with good marketing principles which pay attention to the principles of advertising, personal selling, sales promotion, public relations and publicity
Strategi Bank Syariah Indonesia Mempertahankan Nasabah Melalui Handling Complaint Di BSI KCP Purwokerto Sulasih, Sulasih; Intansari, Anggita isty; Novandari, Weni
Miftah : Jurnal Ekonomi dan Bisnis Islam Vol. 2 No. 2 (2024): October 2024
Publisher : Yayasan Pondok Pesantren Sunan Bonang Tuban

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.61231/miftah.v2i2.281

Abstract

Customer Service is a very important aspect in the banking world. Therefore, banks must focus on providing services to customers. Because good service is a bank's strategy to retain its customers. This study aims to describe the Strategy of Bank Syariah Indonesia to Retain Customers Through Handling Complaints at BSI KCP Purwokerto through the role of customer service in handling complaints in order to retain customers. The type of field research with a qualitative descriptive approach. Data collection techniques consist of observation, interviews, and documentation. This study uses data collection methods, data reduction, data presentation, and drawing conclusions as data analysis techniques. The results of this study indicate that customer service plays a very important role. The role of customer service in handling complaints is as a channel for problem information and solution services. To retain customers, customer service must provide friendly service, approach, and really look for solutions and alternatives to solve problems that occur so that customers feel comfortable and satisfied. So that it can retain customers, both new and old customers
Identifikasi Loyalitas Pelanggan dengan Kepuasan Sebagai Variabel Intervening Pada Toko Grosir HR Losari Kecamatan Cilongok Kabupaten Banyumas Sulasih, Sulasih; Parno, Parno; Trianingsih, Ade; Intansari, Anggita Isty
Miftah : Jurnal Ekonomi dan Bisnis Islam Vol. 3 No. 1 (2025): April 2025
Publisher : Yayasan Pondok Pesantren Sunan Bonang Tuban

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.61231/miftah.v3i1.358

Abstract

This study aims to determine whether product diversity, perceived value, and location have an effect on customer loyalty with customer satisfaction as a mediating variable at the HR Losari Wholesale Store, Cilongok District, Banyumas Regency. The quantitative research method and analysis tool used in this study are Smart-PLS 4. The sample collection method uses non-probability sampling with a purposive sampling technique so that 385 respondents are produced. The results of this study indicate that perceived value and location have a significant effect on customer loyalty with strong validity and reliability tests. However, product diversity does not have a significant effect on customer loyalty. Product diversity, perceived value, and location have a significant effect on customer satisfaction. The intervening variable of customer satisfaction can also mediate the relationship between Product diversity, perceived value, and location on customer loyalty
Pengaruh Literasi Keuangan, Perilaku Keuangan dan Toleransi Risiko Terhadap Keputusan Berinvestasi Mahasiswa Melalui Aplikasi Ajaib Sulasih, Sulasih; Anjani, Wiwin
Miftah : Jurnal Ekonomi dan Bisnis Islam Vol. 3 No. 2 (2025): October 2025
Publisher : Yayasan Pondok Pesantren Sunan Bonang Tuban

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.61231/miftah.v3i2.399

Abstract

This study examines the influence of financial literacy, financial behavior, and risk tolerance on students’ investment decisions when using the Ajaib application. A quantitative research design was employed with a sample of 343 students who actively invest through the platform. Data were collected using a structured questionnaire and analyzed using Multiple Regression Analysis with IBM SPSS. The empirical results indicate that financial literacy and financial behavior both have a positive and significant influence on investment decisions. In contrast, risk tolerance shows a negative and significant effect, suggesting that students with lower tolerance for risk tend to adopt more cautious investment strategies. Furthermore, the three variables collectively demonstrate a significant simultaneous effect on investment decision-making. These findings highlight the importance of strengthening financial knowledge and responsible financial practices to enhance rational investment behavior, particularly among novice student investors using digital investment platforms