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All Journal At-Taradhi: Jurnal Studi Ekonomi Al Qalam: Jurnal Ilmiah Keagamaan dan Kemasyarakatan AL-ULUM: JURNAL SAINS DAN TEKNOLOGI EKSISBANK (Ekonomi Syariah dan Bisnis Perbankan) East Asian Journal of Multidisciplinary Research (EAJMR) Formosa Journal of Science and Technology (FJST) Jurnal Pengabdian Pancasila (JPP) Neraca Manajemen, Akuntansi, dan Ekonomi Indonesian Journal of Banking and Financial Technology (FINTECH)
S. Purnamasari
Universitas Islam Kalimantan Muhammad Arsyad Al Banjari Banjarmasin
Agriculture, Biological Sciences & Forestry Humanities Chemical Engineering, Chemistry & Bioengineering Computer Science & IT Decision Sciences, Operations Research & Management Economics, Econometrics & Finance Education Energy Environmental Science Industrial & Manufacturing Engineering Social Sciences Other

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STRATEGI PEMASARAN PEGADAIAN SYARIAH DALAM MENINGKATKAN PENJUALAN JASA PRODUK (Studi Kasus Pada Pegadaian Unit Layanan Syariah Sultan Adam Banjarmasin) Shofia Purnamasari
At-Taradhi Jurnal Studi Ekonomi Vol 9, No 1 (2018)
Publisher : Islamic Economics and Business Faculty of UIN Antasari

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.18592/at-taradhi.v9i1.2085

Abstract

Seiring perkembangan perekonomian dan fenomena ketimpangan sosial ekonomi masyarakat,  semakin banyak pula lembaga keuangan bank maupun non-bank yang berperan dalam memberikan jasa pinjaman sebagai produknya guna memenuhi kebutuhan konsumsi maupun produksi masyarakat. Salah satu lembaga pembiayaan non-bank yang terdapat di Indonesia adalah Pegadaian Syariah. Dengan mulai membaiknya iklim dan minat masyarakat dalam bidang pegadaian mengakibatkan tingkat persaingan di dunia pegadaian menjadi semakin ketat. Untuk itu diperlukan strategi pemasaran dalam bersaing. Strategi pemasaran merupakan salah satu senjata dan keharusan bagi perusahaan untuk menghadapi persaingan pasar. Pada dasarnya strategi pemasaran adalah mencari kecocokan antara kemampuan internal perusahaan dengan peluang eksternal yang ada di pasar. Mencari kecocokan ini merupakan tanggung jawab dari bagian pemasaran untuk menerapkan strategi pemasaran yang sesuai dengan produk yang dihasilkan dan sesuai dengan dengan segmen pasar yang ingin dituju oleh produk yang diluncurkan. Mengenali karakteristik pasar dan struktur pasar sangatlah menguntungkan bagi perusahaan untuk dapat tetap bersaing dan survive (kelangsungan hidup perusahaan). Kelemahan dan keunggulan perusahaan hendaknya dianalisis sehingga menjadi sebuah titik tolak yang kuat untuk perusahaan dalam mengambil keputusan yang efektif dan efisien serta untuk memperkuat posisinya dari para competitor yang ada. Penelitian ini merupakan field research yang dilaksanakan di Pegadaian Syariah Unit Layanan Sultan Adam Banjarmasin Utara dan jenis penelitiannya adalah penelitian kualitatif. Penelitian ini menjawab dari rumusan masalah sebagai berikut: 1) Strategi pemasaran apa saja yang diterapkan oleh Pegadaian Unit Layanan Syariah Sultan Adam Banjarmasin dalam meningkatkan penjualan jasa produk sehingga mampu bersaing di pasar dan 2) Bagaimana strategi pemasaran yang diterapkan oleh Pegadaian Unit Layanan Syariah Sultan Adam Banjarmasin dalam penjualan jasa produknya. Adapun kesimpulan dari penelitian ini sebagai berikut: strategi pemasaran yang diterapkan oleh Pegadaian Unit Layanan Syariah Sultan Adam Banjarmasin yaitu 4P (Product, Price, Place, and Promotion) dan STP (Segmentation, Targeting, Positioning); serta aplikasi strategi pemasarannya dengan tiga faktor penting sebagai dasar dalam konsep pemasaran dan sekaligus menjadi sandaran strategi pemasaran pada mix marketingnya yaitu: orientasi konsumen, koordinasi dan integrasi dalam perusahaan dan mendapatkan laba melalui pemuasan konsumen.
ASURANSI DALAM PERSPEKTIF ISLAM Shofia Purnamasari
At-Taradhi Jurnal Studi Ekonomi Vol 7, No 1 (2016)
Publisher : Islamic Economics and Business Faculty of UIN Antasari

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.18592/at-taradhi.v7i1.1977

Abstract

Abstract: Takaful and its development in the Islamic world become urgent as in Indonesia which is the majority of Muslim population. In Islamic teachings also contained the substance of the insurance regulation. Insurance which is appropriate to Islamic law was able to avoid the insurance operational principle of gharar, maysir, and usury. Due to that basis, then thought out and formulated appropriate insurance forms of Islamic law. In principle, Islamic economic studies has always put forward the principles of fairness, help each other, avoid injustice, the prohibition of usury (interest), the principle of proft and loss sharing as well as the removalof gharar element. Gharar element in conventional insurance lies in the uncertainty about the rights of policy holders, and the resources that they use to cover claims. Maysir element lies in the possibility of the benefciary at the expense of others. While usury elements lies in revenue from money.Abstrak: Asuransi syariah dan perkembangannya di dalam dunia islam menjadi hal urgen. Begitupun di Indonesia yang notabene penduduknya mayoritas beragama Islam. Di dalam ajaran Islam juga termuat substansi mengenai peraturan perasuransian. Asuransi yang sesuai hukum islam ternyata mampu menghindarkan prinsip operasional asuransi dari unsur gharar, maysir, dan riba. Atas landasan itulah, kemudian dipikirkan dan dirumuskan bentuk asuransi yang sesuai syariat Islam. Secara prinsipil kajian ekonomi islam selalu mengedepankan asas keadilan, tolong – menolong, menghindari kezaliman, pengharaman riba (bunga), berprinsip proft and loss sharring serta penghilangan unsur gharar. Unsur Gharar dalam asuransi konvensional terletak pada ketidakpastian tentang hak pemegang polis dan sumber dana yang di pakai untuk menutup klaim. Unsur maysir terletak pada kemungkinan adanya pihak yang diuntungkan di atas kerugian orang lain. Sedangkan unsur riba terdapa pada perolehan pendapatan dari membungakan uang.Keywords: deposit, gharar, riba, konvensional.
Positioning Analysis of Chicken Rocket Mapping at Fast Food Restaurant Manarap Branch Banjarmasin S. Purnamasari; Kurniaty; Norfitriana; Zakiyah; Purnama Rozak
East Asian Journal of Multidisciplinary Research Vol. 1 No. 1 (2022): February 2022
Publisher : PT FORMOSA CENDEKIA GLOBAL

Show Abstract | Download Original | Original Source | Check in Google Scholar | Full PDF (256.155 KB)

Abstract

Along with the changing times, the tendency of people to eat outside the home is increasing for various practical, economic and prestige reasons. Rocket Chicken is one of the fast food restaurant companies that has recently grown and has opened branch outlets everywhere, especially in the city of Banjarmasin. The role of price in buyer's perception is on product quality, value sacrifice and desire to buy, while location or place often determines the company's success, because location is closely related to a company's potential market. The problems in this study are as follows: How is the positioning from the aspect of price and place in creating a competitive advantage? How to apply Rocket Chicken positioning in Islamic Economic Perspective?. The purpose of this study was to determine the positioning of Rocket Chicken from the aspect of price and place in creating a competitive advantage and to determine the application of Rocket Chicken's positioning in an Islamic Economic Perspective. The benefits of this research can be used as consideration for companies, as well as knowledge that can provide information for all people, in an effort to improve knowledge in the field of Islamic economics. Qualitative research method with the type of field research(field research). The results show that: 1) Rocket Chicken provides food and beverage packages at affordable prices, creating a comfortable atmosphere.2) And in accordance with Positioning in Islam, namely the name or identity of a good and quality brand, consumers buy the product not because of coercion.
Operasional Produk Investasi Emas Pada Pegadaian Syariah Ditinjau Dari Prinsip Ekonomi Islam Purnamasari Purnamasari; Kurniaty Kurniaty; Purnama Rozak
Al Qalam: Jurnal Ilmiah Keagamaan dan Kemasyarakatan Vol 16, No 2: Al Qalam (Maret 2022)
Publisher : Sekolah Tinggi Ilmu Al-Qur'an (STIQ) Amuntai Kalimantan Selatan

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.35931/aq.v16i2.913

Abstract

Investment is one of the important instruments as collateral in the future for every human being. Pawnshop institutions are now growing rapidly can be an alternative for customers whowish to invest. The purpose of this study was to determine oprasional Gold Investment in Islamic pawnshop-related goals, mechanisms, customer requirements the applicant, term, collateral, benefits and fees charged to customers in terms of the applicant’s gold investment principles of Islamic economy in the form of fatwas and outlook muamalah fiqh. This study uses field research by visiting the direct object of study to obtain the required files through interviews, observation on operationality of Gold Investment. While the analysis is used to process the data that has been obtained is descriptive analysis to produce results. Results from this study is that Gold Investment to buy mortgage scheme on Islamic Pawnshop or Sharia Pawnshop has not fully correspond to some Fiqh Fatwa and Economic Islam Principles, that the clarity of the goods at the contract, which contains the value of speculative investments.
PREDIKSI SENYAWA EUCALYPTUS SEBAGAI INHIBITOR POTENSIAL COVID-19 MAIN PROTEASE (Mpro) SECARA MOLECULAR DOCKING Muhammad Fauzi; Fauzi Rahman; Yulistia Budianti Soemari; Richa Purnamasari
AL-ULUM: JURNAL SAINS DAN TEKNOLOGI Vol 6, No 2 (2021)
Publisher : Universitas Islam Kalimantan Muhammad Arsyad Al Banjari

Show Abstract | Download Original | Original Source | Check in Google Scholar | Full PDF (258.702 KB) | DOI: 10.31602/ajst.v6i2.5218

Abstract

The development of cases infected with the COVID-19 virus in Indonesia continues to increase. COVID-19 is a member of the corona virus family that has spread throughout the world. The COVID-19 Main protease is considered a suitable target for drug design against SARS infection because it plays a role in the processing of polyproteins required for the reproduction of the coronavirus. Eucalyptus are claimed to be able to ward off the COVID-19 virus. Therefore it is necessary to evaluate the content of eucalyptus compounds against Main proteases by docking studies. Based on the results of research conducted using the active site on the Main protease, it is known that eucalyptus (-)-globulol, epiglobulol, and ledol compounds have free energies of -7.23 kcal/mol, -7.91 kcal/mol, and -7.39 kcal/mol, respectively. Remdesivir as a therapeutic drug for COVID-19 has a free energy of -7.67 kcal/mol. These three compounds bind to the amino acid Glu166 as remdisivir with the best binding affinity on the active site of the Main protease. So these three compounds have the potential to inhibit the COVID-19 virus.
Pengembangan Ekonomi Kreatif pada Pengrajin Kain Sasirangan dalam Perspektif Ekonomi Syariah (Studi Kasus Toko Luthfiah Sasirangan) Muhammad Effendi; S. Purnamasari; Kurniaty; Purnama Rozak; Abdul Wahab
Formosa Journal of Science and Technology Vol. 1 No. 6 (2022): October 2022
Publisher : PT FORMOSA CENDEKIA GLOBAL

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.55927/fjst.v1i6.1367

Abstract

Adanya hambatan untuk menembus pasar nasional mengakibatkan masyarakat kurang mengenal produk kain sasirangan dan dengan ketatnya persaingan bisnis saat ini membuat pelaku bisnis hanya berfokus pada target pasar dan melupakan etika bisnis islam pada aktivitas pemasaran. Tujuan penelitian ini adalah untuk mengetahui bagaimana pengembangan ekonomi kreatif di toko Luthfiah sasirangan dan untuk mengetahui bagaimana pemasaran di toko Luthfiah sasirangan dengan perspektif islam. Metode penelitian yang digunakan yaitu kualitatif. Berdasarkan hasil penelitian dan pembahasan, maka kesimpulan yang dapat diambil adalah Pengembangan ekonomi kreatif di Toko Luthfiah Sasirangan yang diterapkan adalah melakukan promosi melalui media sosial, yakni Whatsapp dan Instagram, Menerapkan pembagian harga produk menjadi 4 bagian, yaitu harga terendah, menengah, menengah ke atas dan tinggi, serta menerapkan kesempatan konsultasi kepada calon konsumen sebelum membeli produk Sasirangan. Pemasaran produk kain Sasirangan yang diterapkan di Toko Luthfiah Sasirangan telah memenuhi Pemasaran dalam islam dan Prinsip bisnis Islam.
Sharia Financing Education for BKM and UPK in Pekapuran Laut Village, Central Banjarmasin S. Purnamasari; Purnama Rozak; Nurul Listiyani; Abdul Hadi
Jurnal Pengabdian Pancasila (JPP) Vol. 2 No. 1 (2023): March 2023
Publisher : PT FORMOSA CENDEKIA GLOBAL

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.55927/jpp.v2i1.3442

Abstract

As with other theories and practices, the theory and practice of Islamic Economics will exist and become a model when it is able to solve problems that occur in society, and is abandoned if it is deemed unable to solve problems that occur in society, especially the problem of poverty and poverty. unemployment that occurs because of injustice. Starting from this opinion, academics and practitioners of Islamic Economics must always evaluate and improve concepts and practices that are unable to solve problems in society. For this reason, things that need to be done are some improvements related to financing problems, for example improving the quality of the financing system, opening up financing concepts that are still possible to be rolled out, procedures that are easier and remain prudent. For example, burdensome procedures such as the existence of a period of employment for a beneficiary of funds/creditors who submit an application need to be changed by providing assistance. So it's not refusing productive financing applications, but accepting it with assistance or with a personal guarantee or ad inman. With this model, employment opportunities will be more open and in turn the welfare of the people will become more widely distributed.
Analysis of Islamic Marketing Strategies in Sustaining Business (Case Study of Karang Anyar Chicken Rockets) S. Purnamasari; Mukminah; Kurniaty; Purnama Rozak
Indonesian Journal of Banking and Financial Technology Vol. 1 No. 1 (2023): January, 2023
Publisher : PT FORMOSA CENDEKIA GLOBAL

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.55927/fintech.v1i1.2783

Abstract

Today's business competition is getting tougher in the business world, both in  the business of goods and services. So that entrepreneurs to be more creative and innovative in carrying out marketing strategies to maintain business, as well as Rocket Chicken Karang Anyar which always tries to make the business run to servive in the midst of competition as it is today with the strategy it has. The formulition of the problem in this how is Rocket Chicken Karang Anyar’s marketing strategy in maintaining the business? And how is the analysis of Islamic marketing strategies carrid out by Rocket Chicken Karang Anyar in maintaining the business?. The purpose of this research is to find out and analyze how to  the marketing strategy is carried out in an Islamic way in maintaining the business. The research was conducted using qualitative research methods with data collection techniques using observition, interviews snd documentation. From the research conducted, it was found that the marketing strategy carried out by Rocket Chicken Karang Anyar was by maintaining the marketing mix and picking up the ball. Meanwhile, in terms of sharia marketing, Rocket Chicken is in accordance with the characteristics of Islamic marketing, namely being honest.
Analysis of the Role of the Creative Economy in Increasing the Income of Jangang Woven Craftsmen From an Islamic Economic Perspective (Study on Jangang Woven Crafts in Margasari, Candi Laras Selatan District, Tapin Regency) Sri Rahmi Damayanti Aulia; S. Purnamasari; Kurniaty; Purnama Rozak
Indonesian Journal of Banking and Financial Technology Vol. 1 No. 1 (2023): January, 2023
Publisher : PT FORMOSA CENDEKIA GLOBAL

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.55927/fintech.v1i1.2784

Abstract

The creative economy is a new economic concept that combines information and creativity that relies on ideas, ideas and knowledge from human resources as a factor of production. In this study the aim was to determine the role of the creative economy in increasing the income of the woven woven Jangg craftsmen in Margasari Kec. South Laras Temple, Kab. Tapin. The method used is descriptive qualitative research, namely by collecting data through observation, interviews, the internet, and questionnaires on research objects. The results of this study are that the creative economy of woven Jangang in Margasari kec. The South Laras Temple has a role in the income of the craftsmen, so that the existence of this woven woven can help the economy of the craftsmen.
ANALISIS PENGARUH LABELISASI HALAL, MEREK, KUALITAS PRODUK, DAN HARGA TERHADAP KEPUTUSAN PEMBELIAN PRODUK SKINCARE: (STUDI KASUS PADA MAHASISWA JURUSAN EKONOMI SYARIAH DI UNIVERSITAS ISLAM KALIMANTAN MUHAMMAD ARSYAD AL-BANJARI ANGKATAN 2019-2020 KOTA BANJARMASIN) Shofia Purnamasari; Rinjani, Rinjani; Zakiyah, Zakiyah
Musytari : Neraca Manajemen, Akuntansi, dan Ekonomi Vol. 8 No. 4 (2024): Musytari : Neraca Manajemen, Akuntansi, dan Ekonomi
Publisher : Cahaya Ilmu Bangsa

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.8734/musytari.v8i4.5638

Abstract

Label halal yang terdapat pada kemasan produk, akan mempermudah konsumen untuk mengidentifikasi suatu produk selain itu produk kencantikan saat ini marak dengan berbagai macam merek, bahkan diproduksi bukan hanya untuk kaum hawa tetapi juga untuk kaum adam. Harga yang terjangkau sangat mempengaruhi keputusan pembelian suatu produk, Bukan hanya harga, kualitas suatu produk juga penting agar proses bisnis dapat meningkat. Rumusan masalah dalam penelitian ini adalah Apakah Labelisasi Halal, Merek, Kualitas Produk, dan Harga Berpengaruh Terhadap Keputusan Pembelian Produk Skincare secara parsial dan simultan. Penelitian ini bertujuan menganalisis Pengaruh Labelisasi Halal, Merek, Kualitas Produk, dan Harga Terhadap Keputusan Pembelian Produk Skincare secara parsial dan simultan. Jenis Penelitian yang digunakan yaitu kuantitatif dengan teknik pengambilan sampel, yaitu purposive sampling. Populasi dalam penelitian ini yaitu berjumlah 83 orang, terdiri dari kelas regular A dan B angkatan 2019 dan regular A angkatan 2020 Banjarmasin, setelah dihitung menggunakan rumus slovin menjadi 45 responden. Hasil menunjukkan bahwa Labelisasi Halal (X1), Merek (X2) tidak berpengaruh secara parsial terhadap keputusan pembelian produk skincare, sedangkan Kualitas Produk (X3), dan Harga (X4) berpengaruh secara parsial terhadap keputusan pembelian produk skincare. Hal ini dinyatakan oleh Kualitas Produk (X3) nilai T Hitung 3,332>2,021 dan nilai signifikansi 0,002 atau <0,05, sedangkan Harga (X4) nilai T Hitung 2,565>2,021 dan nilai signifikansi 0,014 atau <0,05. Labelisasi Halal (X1), Merek (X2), Kualitas Produk (X3), dan Harga (X4) secara Simultan berpengaruh signifikan terhadap keputusan pembelian Produk Skincare. Hal ini berdasarkan nilai F Hitung 84,501> F Tabel 2.61 dan nilai signifikansi 0,000 atau <0,05Kata Kunci: Labelisasi Halal, Merek Skincare, Kualitas Produk, Harga Skincare, Skincare Halal ABSTRACTThe halal label contained in the product packaging will make it easier for consumers to identify a product besides that beauty products are currently rife with various brands, even produced not only for women but also for women. Affordable prices greatly affect the purchase decision of a product, not only price, but the quality of a product is also important so that business processes can improve. The formulation of the problem in this study is whether Halal Labeling, Brand, Product Quality, and Price Affect the Purchase Decision of Skincare Products partially and simultaneously. This study aims to analyze the Effect of Halal Labeling, Brand, Product Quality, and Price on Purchasing Decisions of Skincare Products partially and simultaneously. The type of research used is quantitative with sampling techniques, namely purposive sampling. The population in this study amounted to 83 people, consisting of regular classes A and B class of 2019 and regular A class of 2020 Banjarmasin, after being calculated using the Slovin formula to 45 respondents. The results show that Halal Labeling (X1), Brand (X2) does not have a partial effect on the purchase decision of skincare products, while Product Quality (X3), and Price (X4) have a partial effect on the purchase decision of skincare products. This is expressed by Product Quality (X3) T Count value 3.332>2.021 and significance value 0.002 or <0.05, while Price (X4) T value Calculate 2.565>2.021 and significance value 0.014 or <0.05. Halal Labeling (X1), Brand (X2), Product Quality (X3), and Price (X4) simultaneously have a significant effect on the purchase decision of Skincare Products. This is based on the value of F Calculate 84.501> F Table 2.61 and the significance value of 0.000 or <0.05.Keyword : Halal labeling, skincare brand, product quality, skincare prices
Co-Authors Abdul Hadi Abdul Hadi Abdul Wahab Atika Zahra Maulida Fauzi Rahman Ibrahim Dahiru Idriss Ibrahim Dahiru Idriss Kurniaty Kurniaty Kurniaty Kurniaty Muhammad Effendi Muhammad Fauzi Mukminah Norfitriana Nurul Listiyani Purnama Rozak Purnama Rozak Purnama Rozak Purnama Rozak Sri Rahmi Damayanti Aulia Yulistia Budianti Soemari Zakiyah Zakiyah Zakiyah Zakiyah