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All Journal JURNAL PENDIDIKAN TAMBUSAI Syarikat : Jurnal Rumpun Ekonomi Syariah Profit : Jurnal Kajian Ekonomi dan Perbankan Syariah MANAGERE : Indonesian Journal of Educational Management Jurnal Ekonomi Sibatik Journal : Jurnal Ilmiah Bidang Sosial, Ekonomi, Budaya, Teknologi, Dan Pendidikan International Journal of Science and Environment International Journal of Management and Business Economics Journal of Economics and Social Sciences Kartika: Jurnal Studi Keislaman Managere: Indonesian Journal of Educational Management Journal of Educational Management Research Qawwam Al-Kharaj: Jurnal Ekonomi, Keuangan & Bisnis Syariah Indonesian Journal of Management and Accounting Anjasmoro: Islamic Interdisciplinary Journal Proceeding Of International Conference On Education, Society And Humanity Jurnal Akuntansi, Ekonomi dan Manajemen Bisnis IZZI: Jurnal Ekonomi Islam
MUFIDATUL HIMMAH
Universitas Nurul Jadid
Religion Agriculture, Biological Sciences & Forestry Arts Humanities Biochemistry, Genetics & Molecular Biology Chemical Engineering, Chemistry & Bioengineering Chemistry Computer Science & IT Decision Sciences, Operations Research & Management Economics, Econometrics & Finance Education Industrial & Manufacturing Engineering Languange, Linguistic, Communication & Media Law, Crime, Criminology & Criminal Justice Materials Science & Nanotechnology Mathematics Physics Social Sciences Other

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Implementasi Qris dalam Peningkatan Penjualan UMKM: Studi Kasus Kripik Singkong Ibu Anggi Kotaanyar Probolinggo Himmah, Mufidatul; Karimah, Faiqotul; Rohmawati, Rohmawati
Jurnal Pendidikan Tambusai Vol. 8 No. 3 (2024)
Publisher : LPPM Universitas Pahlawan Tuanku Tambusai, Riau, Indonesia

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Abstract

Seiring pesatnya perkembangan teknologi, sistem pembayaran dalam transaksi ekonomi mengalami perubahan signifikan, dengan uang tunai semakin tergantikan oleh pembayaran digital. Kurangnya pengetahuan mengenai teknologi, termasuk sistem pembayaran digital, menjadi kendala utama bagi perkembangan usaha mikro kecil menengah (UMKM). Penelitian ini bertujuan untuk meningkatkan pemahaman pelaku usaha UMKM, khususnya dalam konteks keripik singkong "Ibu Anggi", tentang manfaat QRIS sebagai alat pembayaran non-tunai, serta mengidentifikasi dampaknya terhadap volume penjualan dibandingkan metode pembayaran secara konvensional. Penelitian ini menggunakan metode deskriptif kualitatif untuk memberikan gambaran mendalam mengenai implementasi QRIS dan dampaknya terhadap penjualan. Penelitian ini meliputi aspek pengetahuan pelaku usaha UMKM tentang QRIS, penerapan QRIS, manfaat penggunaannya, serta kendala yang dihadapi. Hasil penelitian menunjukkan bahwa pelaku usaha UMKM keripik singkong dapat memahami QRIS sebagai alat pembayaran digital yang diterbitkan oleh Bank Indonesia. Dengan QRIS, transaksi menjadi lebih mudah dan praktis, yang berpotensi meningkatkan pendapatan pelaku usaha keripik singkong.
Digital Marketing Strategy and Product Innovation Hampers: A Case Study of Askara Kayu Karanganyar Paiton Probolinggo Himmah, Mufidatul; Hotimah, Husnul; Maulida, Bela Nur
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.v4i2.1104

Abstract

This study aims to analyze the digital marketing strategy and product innovation implemented by the MSME Askara Kayu, located in Karanganyar, Paiton, Probolinggo. Established in 2019, Askara Kayu focuses on producing wood-based hampers, which have become a trend in the creative economy industry, particularly in the MSME sector. This research employs a qualitative approach with a case study method. Data collection techniques include in-depth interviews with the business owner and direct observation of the production and marketing processes. The research findings show that Askara Kayu's success is supported by several key factors, namely consistency in maintaining product quality, design innovation that aligns with market trends, and attractive product visualization across various digital platforms. The digital marketing strategies applied include the use of social media such as Instagram and marketplaces like Shopee and Tokopedia. Additionally, Askara Kayu optimizes paid advertisements such as Meta Ads to expand market reach. The target market segments include individual consumers, corporate institutions, and public figures. Family involvement and a network of local artisans also contribute to increasing production capacity and ensuring business sustainability. The findings of this study are expected to serve as a reference for other MSMEs in developing digital marketing strategies and product innovations based on creativity.
STRATEGI PEMASARAN DALAM MENINGKATKAN MINAT PEMBELI Mufidatul Himmah
IZZI: Jurnal Ekonomi Islam Vol. 3 No. 2 (2023): IZZI: Jurnal Ekonomi Islam
Publisher : Lembaga Penerbitan, Penelitian, dan Pengabdian kepada Masyarakat (LP3M)  of Institut Badri Mashduqi Probolinggo Jawa timur Indonesia

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Abstract

The purpose of this study was to determine the strategy used at the Toko Rakhato increase sales in this business unit.  The type of data source used in this study is primary where this primary data is obtained from the results of interviews conducted with the owner of the Counter Toko Rakha, the object in this study is the application of strategies to the Counter Toko Rakha, which aims to find out how the process progresses.  and the implementation of the strategy implemented by Toko Rakha.  Toko Rakhahas carried out various good strategies, also has a principle which does not want to be outdone by existing business units, so the strategies that are carried out are also very rarely carried out by other business units, and because this strategy makes Toko Rakha - Najah Store is growing and is in great demand by consumers. Strategy is a set of related activity plans to find out consumer needs and develop, promote, and set appropriate prices for products or services to achieve customer satisfaction and earn profits.  The marketing strategy includes target consumers, advertising, promotion mix, and media determination.
Kualitas Pelayanan Terhadap Kepuasan Nasabah Di Bmt Ugt Sidogiri Cabang Kotaanyar Urip Santuso; Mufidatul Himmah
Jurnal Akuntansi, Ekonomi dan Manajemen Bisnis Vol. 5 No. 1 (2025): Maret : Jurnal Akuntansi, Ekonomi dan Manajemen Bisnis
Publisher : Lembaga Pengembangan Kinerja Dosen

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.55606/jaemb.v5i1.6765

Abstract

This study aimsto measure the level  of customer satisfacion with the services provided by BMT UGT CABANG KOTANYAAYAR. The methode  used in study is a survey with a questionnaire distributed  to customers. The variables tested  include product quality, service,and convenience. The results of the study indicate that most costumer are satisfed with the products offred, although three are severeal areas that ne to be improved such  as speed  of service and response to customer complains. The factors that most influence customer satisfaction are product quality and customer service this study is expected to provide recommendations for companies to improve service quality and increase customer loyality 
IMPLEMENTASI WALK IN CUSTOMER (WIC) DAN ENHANCED DUE DILIGENCE KEPADA NASABAH SEBAGAI PENCEGAHAN MONEY LAUNDERING PT. BANK SUMUT KCP SYARIAH H.M YAMIN Mufidatul Himmah; Mohammad Alief Hidayatullah; Siti Fatimah
JURNAL PROFIT Vol 6, No 1 (2022): Economic Tecnology
Publisher : Nurul Jadid University

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.33650/profit.v6i1.3492

Abstract

Banking institutions are institutions that are often used by the public to carry out financial transactions, whether in the form of savings, transfers, investments and others. In this case, Islamic Banking carries out funding and lending activities by promoting various types of financial transaction services, becoming the main center in crime. money laundering and terrorism financing to hide illegal money. Therefore, the OJK has made regulations regarding the prevention of Money Laundering and the financing of Terrorism which includes CDD and EDD PT. Bank Sumut Syariah KCP H.M Yamin has implemented Customer Due Diligence on Walk In Customer (WIC) and Enhanced Due Diligence on Customers as an effort to prevent money laundering and terrorism financing. In this journal research using qualitative methods with a descriptive approach. the data taken is by interview and observation techniques. Observations indicate that the implementation of WIC on Customer Due Diligence is carried out when the Bank doubts customer information by conducting identification and verification. In addition, at WIC where previously WIC did not need to report to Customer Service when making transactions and went directly to the teller. However, for now there has been a circular letter of change from the Head Office of Bank Sumut Syariah regarding the implementation of WIC where WIC is required to report to Customer service first after obtaining approval from CS, then WIC can go directly to the teller. The implementation of Enhanced Due Diligence is carried out for Politically Exposed Person customers. But in practice at PT. Bank Sumut Syariah KCP H.M Yamin is carried out if there are suspicious transactions or when there are cases.
STRATEGI PEMASARAN : UPAYA MENINGKATKAN REPUTASI BANK DAN COSTUMER TRUST PADA TABUNGAN DI BANK SYARIAH INDONESIA MUFIDATUL HIMMAH; ANIS FITRIA; SOFIATUL WAHIDAH; ATIQURRAHMAN ATIQURRAHMAN
JURNAL PROFIT Vol 6, No 2 (2022): Economic Banking
Publisher : Nurul Jadid University

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.33650/profit.v6i2.3665

Abstract

This study discusses the marketing strategy of the savings product Tabungan and how the marketing strategy can have an impact on the level of company reputation and the level of customer trust in BSI Probolinggo . This study aims to (1) understand and find out more about the marketing strategy used by BSI Probolinggo , in maeting its Tabungan savings product. (2) describe the efforts of BSI Probolinggo in marketing its products to continue to maintain the existence of the products they have and overcome the marketing problems they face. (3) to determine the impact of the marketing strategy on the level of reputation and customer trust in the company. Using this type of qualitative research with direct observation and interview methods. From the observations made by the author, the results of the study are as follows: (1) Tabungan savings is a savings product that is most in demand by customers with a percentage of 36.5% of the use of a total of 6 fundraising products offered with 5fivesavings products and 1-time deposit producWorship (2) the use of an effective sales strategy turns out to have an impact on the level of company reputation and the trust given by customers, the more products sold indicate that the public has interest and trust in the product, and automatically increases the reputation of the company (3) the marketing strategy used by the company BSI Probolinggo  is still traditional, with direct marketing methods by Customer Service. (4) the lack of use of digital technology in marketing Tabungan savings products. (5) To maintain customer loyalty, usually, BSI Probolinggo  gives gifts to customers, shopping discounts and other direct prizes.
Implementasi Akad Bai' Bitsaman Ajil (BBA) pada Platform E- Commerce Shopeepay Later Mufidatul Himmah; Tutut Maptuhatul Hairiyah
Al-Kharaj: Jurnal Ekonomi, Keuangan & Bisnis Syariah Vol. 7 No. 5 (2025): Al-Kharaj: Jurnal Ekonomi, Keuangan & Bisnis Syariah 
Publisher : Intitut Agama Islam Nasional Laa Roiba Bogor

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.47467/alkharaj.v7i5.7643

Abstract

This study aims to investigate the implementation of the Bai' Bitsaman Ajil (BBA) Agreement in the context of e-commerce. The BBA Agreement is a sales contract with deferred payment, where the buyer and seller agree that payment is made in installments over a certain period of time. ShopeePay Later is one of the popular payment options in e-commerce, which allows users to purchase products with deferred payment or installments. This study analyzes how the principles of BBA are integrated into the Shopeepay Later system, and identifies the challenges and opportunities that arise from the implementation of this agreement on the e-commerce platform. This implementation is also expected to increase Islamic financial inclusion in e-commerce, providing a more suitable financing alternative for Muslim consumers. However, there are challenges in its implementation, such as adjusting the technology system and the need for education for users regarding the concept and benefits of BBA. This study concludes that with proper regulation and compliance with the terms of the agreement, BBA can be implemented in ShopeePay Later to support fair and sharia-compliant transactions, as well as increase Islamic financial inclusion in the e-commerce ecosystem.
Analysis of the Economic Well-being of Traditional and Modern Fishermen from an Islamic Economics Perspective (Case Study of Asembakor Village, Kraksaan, Probolinggo) himmah, Mufidatul; Hatami, Muhammad Rojhil Ghufron
Qawwam : The Leader's Writing Vol. 7 No. 1 (2026): June
Publisher : Fakultas Ushuluddin Adab dan Dakwah Insitut Agama Islam Negeri Kerinci

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Abstract

This study aims to analyze the economic well-being of traditional and modern fishermen in Asembakor Village, Kraksaan, Probolinggo, using an Islamic economics perspective. The phenomenon observed is a disparity in well-being between these two groups of fishermen, which is linked to differences in technology use and market access. The main issue in this study is how Islamic economics can be applied to improve the well-being of fishermen, both economically and socially. The method used in this study is a qualitative approach using a case study design. Data were collected through in-depth interviews, participatory observation, and documentation. Research informants consisted of traditional fishermen, modern fishermen, and other community leaders. The data analysis technique used was thematic analysis, which allowed the researcher to identify patterns from the collected data and relate them to Islamic economic theory. The results of the study indicate that modern fishermen have higher incomes and broader market access, yet they often disregard sustainability principles in the utilization of natural resources. Meanwhile, although traditional fishermen have lower incomes, they pay more attention to social and sustainability aspects in the management of their catch. This study concludes that the application of Islamic economics in the fisheries sector can help create more equitable and sustainable welfare for fishermen. The implications of this study highlight the importance of policies supporting technology integration for traditional fishermen as well as the application of Sharia economic principles in fisheries sector policies. A recommendation for future research is to examine the implementation of Sharia economics in other regions with different social and economic characteristics.
Integrating ESG Principles Into Islamic Banking Digitalization To Strengthen Sustainable Financial Literacy Nadiaatul Khoir; Mufidatul Himmah
International Journal of Management and Business Economics Vol. 4 No. 3 (2026): June
Publisher : CV Putra Publisher

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.58540/ijmebe.v5i1.2011

Abstract

This study aims to analyze how the integration of Environmental, Social, and Governance (ESG) principles in Islamic banking serves as a mechanism for strengthening sustainable financial literacy through the use of Sharia-based digital financial services in the Kerang Krajan community. This study uses a descriptive qualitative approach with a literature review method supported by an analysis of the implementation of Sharia-compliant digital financial services. Data were obtained from scientific articles, official reports, regulations related to ESG and Islamic banking, and documentation of digital service implementation. Data were then analyzed thematically through data reduction, data presentation, and conclusion drawing. The results show that ESG integration supports the improvement of sustainable financial literacy through environmental, social, and governance dimensions. In the environmental dimension, the digitalization of financial services contributes to resource efficiency through reduced paper use. In the social dimension, the implementation of digital services increases public understanding of responsible financial management, business ethics, and the values ​​of the maqashid of Sharia. Meanwhile, in the governance dimension, the integration of digital systems with Islamic banking strengthens transparency, accountability, and compliance with Sharia principles. These findings indicate that ESG integration plays a role in supporting the strengthening of sustainable financial literacy through innovation in Islamic banking digital services and provides input for the development of more transparent, accountable, and sustainability-oriented financial service strategies.
The Influence Of Trust and Social Relations On Member Loyalty At The Mangaran Branch Of BMT NU Mufidatul Himmah; Adinda Fitri Firdaus
International Journal of Management and Business Economics Vol. 4 No. 3 (2026): June
Publisher : CV Putra Publisher

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.58540/ijmebe.v5i1.2013

Abstract

The development of the financial industry in the era of disruption increases competition among financial institutions, making maintaining member loyalty a significant challenge for Baitul Maal wat Tamwil (BMT). This study aims to analyze the influence of trust and social relationships on the loyalty of members of BMT NU Mangaran Branch. The study used a quantitative approach with a survey method of 30 active members selected using a purposive sampling technique. Data were collected through a four-point Likert scale questionnaire and analyzed using multiple linear regression tests, t-tests, F-tests, and the coefficient of determination (R²). The results showed that trust had a positive and significant effect on member loyalty (t = 3.287; p = 0.003), as did social relationships which also had a positive and significant effect (t = 3.254; p = 0.003). Simultaneously, both variables have a significant effect on member loyalty based on the results of the F test. The coefficient of determination (R²) value of [fill in according to the research results, for example 0.68 or 68%] indicates that trust and social relationships are able to explain [68%] of the variation in member loyalty, while the rest is influenced by other factors outside the research model. This finding indicates that strengthening trust and community-based social relationships is an effective strategy to increase member loyalty while reducing their tendency to move to other financial institutions.
Co-Authors Abdullah Abdullah Abdullah Abdullah Adinda Fitri Firdaus ANIS FITRIA ATIQURRAHMAN ATIQURRAHMAN Dila Lailatul Qodariyah Fitriyah, Wiwin Hatami, Muhammad Rojhil Ghufron Husnul Hotimah, Husnul Karimah, Faiqotul Kurnia Setiawan, Eva Maknunatun Navisah Arifin Maulida, Bela Nur Mohammad Alief Hidayatullah Muhammad Athoillah Munawaroh, Fadilatul Nadiaatul Khoir Navisa, Maknunatun Ratih Ika Wulan Dari Laila Rizamatun Nikmah Rizkillah, Moch. Rohmawati Rohmawati Sania Shah, Hizamuddin Siti Fatimah SOFIATUL WAHIDAH Tutut Maptuhatul Hairiyah Urip Santuso Yeni Prastika