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All Journal Economica: Jurnal Ekonomi Islam Jurnal Ilmiah Manajemen Kesatuan Journal of Digital Marketing and Halal Industry
Maltuf Fitri, Maltuf
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Economics, Econometrics & Finance Social Sciences Other

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Pengelolaan Zakat Produktif sebagai Instrumen Peningkatan Kesejahteraan Umat Fitri, Maltuf
Economica: Jurnal Ekonomi Islam Vol 8, No 1 (2017)
Publisher : Fakultas Ekonomi dan Bisnis Islam UIN Walisongo

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.21580/economica.2017.8.1.1830

Abstract

The purpose of zakat management formally is to (1) improve the effectiveness and efficiency of services in the management of zakat, and (2) to increase the benefits of zakat to realize the welfare of society and poverty reduction. In this context, the distribution of zakat funds in addition to the consumptive purpose, can also be justified for the purpose of growing productive economic activities for mustahiq. By law, the use of zakat for productive economic activity is also not prohibited, as long as the mandatory of fulfilling the basic needs of mustahiq has been done. The use of zakat funds for productive economic activities is a conception to liberate the socio-economic life of mustahiq with a view to changing from the recipient of zakat to the payer of zakat. The implementation scheme of this concept is to build or grow a business unit in mustahiq through grant funding for business capital. Within a certain production cycle, mustahiq will also receive technical assistance and guidance from the zakat management institution in order to plan the establishment of a successful business unit and that mustahiq has a permanent source of income.Tujuan pengelolaan zakat secara formal adalah untuk meningkatkan efektifitas dan efisiensi pelayanan dalam pengelolaan zakat, dan meningkatkan manfaat zakat untuk mewujudkan kesejahteraan masyarakat dan penanggulangan kemiskinan. Dalam konteks ini, pendistribusian dana zakat selain untuk pemberian bantuan yang bersifat konsumtif, juga dapat dibenarkan untuk tujuan menumbuhkan kegiatan ekonomi produktif bagi penerima zakat (mustahik). Secara hukum, penggunaan zakat untuk kegiatan ekonomi produktif juga tidak dilarang, selama keberadaan para mustahik yang wajib dan harus dibantu sudah terpenuhi kebutuhan dasarnya. Penggunaan dana zakat untuk kegiatan ekonomi produktif adalah sebuah konsepsi untuk memandirikan penerima zakat secara sosial ekonomi dengan maksud untuk merubah dari penerima zakat menjadi pembayar zakat. Skema pelaksanaan dari konsep ini adalah membangun atau menumbuhkan unit usaha pada diri penerima zakat melalui pemberian dana hibah untuk modal usaha. Dalam satu siklus produksi tertentu, penerima zakat juga akan mendapat pendampingan dan bimbingan teknis dari lembaga pengelola zakat agar rencana membentuk unit usaha berhasil dan penerima zakat memiliki sumber pendapatan yang permanen. 
PERAN DANA PIHAK KETIGA DALAM KINERJA LEMBAGA PEMBIAYAAN SYARIAH DAN FAKTOR-FAKTOR YANG MEMENGARUHINYA Fitri, Maltuf
Economica: Jurnal Ekonomi Islam Vol 7, No 1 (2016)
Publisher : Fakultas Ekonomi dan Bisnis Islam UIN Walisongo

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.21580/economica.2016.7.1.1033

Abstract

The development of the performance syariah financing institutions in Indonesia keeps increased positive this can be seen of the total assets and third party funds (DPK) that increase over a period of years 2010-2014. During the period of the year the ratio DPK to the total assets of syariah financing institutions reached 78 percent.The indicated that the role DPK for these very strategic performance and the funding institution banking business. In this paper the tried to explain the role of third party funds in an institution syariah funding as an element the certaintly in the provison of financing and as an element that influences the performance business of syariah financing institutions. The importance of the role of DPK for syariah financing institutions hence need to know the factors that affect the development DPK. Approach analysis this paper is descriptive empirical who testing of theoretically and approach in empirical of studies related.
PRINSIP KESYARIAHAN DALAM PEMBIAYAAN SYARIAH Fitri, Maltuf
Economica: Jurnal Ekonomi Islam Vol 6, No 1 (2015)
Publisher : Fakultas Ekonomi dan Bisnis Islam UIN Walisongo

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.21580/economica.2015.6.1.786

Abstract

Perkembangan perbankan syariah dalam periode tahun 2007-2013 terus menunjukkan kinerja yang menakjubkan. Berbagai indikator keuangan seperti total nilai aset dan jumlah dana pihak ketiga yang berhasil dihimpun terus mengalami peningkatan. Begitu juga dengan tingkat kinerjanya yang digambarkan dari perolehan  laba yang  dibukukan oleh perbankan dan unit-unit pembiayaan syariah juga mengalami pertumbuhan yang positif. Menggeliatnya kegiatan perbankan syariah di Indonesia tidak terlepas dari meningkatnya tingkat kepercayaan masyarakat untuk mengakses jasa layanan perbankan syariah. Hal ini setidaknya juga dapat digambarkan dari keberadaan kantor perbankan syariah dan unit-unit pembiayaan syariah yang tersebar di hampir seluruh wilayah tanah air hingga ke pelosok. Dibandingkan dengan perbankan konvensional, praktek perbankan syariah memiliki perbedaan yang sangat mendasar yaitu tidak menempatkan uang sebagai komoditas perdagangan, penetapan suku bunga dalam transaksi perbankan sangat dilarang karena riba, tidak ada unsur time- value of money dan balas jasa atas penggunaan dana menerapkan prinsip bagi hasil. Untuk memberikan edukasi dan perlindungan kepada nasabah (masyarakat) perlu adanya analisa prinsip-prinsip kesyariahan pada praktek perbankan syariah.
Increasing Marketing Performance Through Customer Orientation, Competitor Orientation and Product Innovation Fitri, Maltuf; Nuha, Soya Angga Arifin; Nurudin, Nurudin
Journal of Digital Marketing and Halal Industry Vol 4, No 2 (2022)
Publisher : Fakultas Ekonomi dan Bisnis Islam UIN Walisongo

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.21580/jdmhi.2022.4.2.13384

Abstract

The existence of MSMEs plays a very important role in the process of equity and increasing people's income, as well as encouraging economic growth. the existence of fairly tight competition, namely in the economic field, MSMEs are faced with various opportunities and various threats both internally and externally. Most of MSMEs in Semarang City or 73.61 percent admit that they experience difficulties in running their business. In order for MSMEs to survive and get superior marketing performance, MSMEs must understand and understand, and be observant in seeing the market, what consumers want, and what changes must be made in order to be able to compete and survive. This means that companies must innovate in developing their business which is the main strategy in business competition. The purpose of this research is to determine the effect of customer orientation, competitor orientation and product innovation on marketing performance. The number of respondents in this study were 100 respondents who were owners or leaders of MSMEs in Semarang. The research data is in the form of quantitative data with data analysis techniques using Structural Partial Least Squares (PLS-SEM). The results showed that the variable coefficients of customer orientation and competitor orientation had a positive and significant effect on product innovation. The variables of customer orientation, competitor orientation and product innovation have a positive and significant impact on marketing performance. Product innovation variable can mediate positively and significantly between customer orientation and competitor orientation with marketing performance.
E-Service Quality, Islamic Service, and Branding in Building Customer Loyalty of Islamic Banks Nurudin; Muyassarah; Rahma, Zuliana; Fitri, Maltuf
Jurnal Ilmiah Manajemen Kesatuan Vol. 13 No. 4 (2025): JIMKES Edisi Juli 2025
Publisher : LPPM Institut Bisnis dan Informatika Kesatuan

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.37641/jimkes.v13i4.3472

Abstract

Customer satisfaction and loyalty are essential for the success of Islamic banks in Indonesia, particularly as customer expectations grow and competition intensifies. While previous research has explored the impact of service quality and brand experience on loyalty, the results have been inconsistent. This study examines the influence of e-service quality, Islamic service quality, and Islamic branding experience on customer satisfaction and loyalty, while also analyzing the mediating role of satisfaction. Using a quantitative explanatory approach, data were collected from 200 purposively selected Islamic bank customers who had actively used e-banking services for at least six months. The data were gathered through structured questionnaires and analyzed using Structural Equation Modeling (SEM) with AMOS software. The findings show that all three independent variables significantly and positively affect customer satisfaction. Moreover, customer satisfaction acts as a significant mediator between these variables and customer loyalty. Among the predictors, Islamic branding experience plays a key role by fostering emotional bonds through values such as honesty, transparency, and trust. This study contributes to the Islamic marketing literature by emphasizing the importance of integrating Islamic values into service and branding strategies to enhance satisfaction and cultivate long-term customer loyalty.
Increasing Marketing Performance Through Customer Orientation, Competitor Orientation and Product Innovation Fitri, Maltuf; Nuha, Soya Angga Arifin; Nurudin, Nurudin
Journal of Digital Marketing and Halal Industry Vol. 4 No. 2 (2022)
Publisher : Fakultas Ekonomi dan Bisnis Islam UIN Walisongo

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.21580/jdmhi.2022.4.2.13384

Abstract

The existence of MSMEs plays a very important role in the process of equity and increasing people's income, as well as encouraging economic growth. the existence of fairly tight competition, namely in the economic field, MSMEs are faced with various opportunities and various threats both internally and externally. Most of MSMEs in Semarang City or 73.61 percent admit that they experience difficulties in running their business. In order for MSMEs to survive and get superior marketing performance, MSMEs must understand and understand, and be observant in seeing the market, what consumers want, and what changes must be made in order to be able to compete and survive. This means that companies must innovate in developing their business which is the main strategy in business competition. The purpose of this research is to determine the effect of customer orientation, competitor orientation and product innovation on marketing performance. The number of respondents in this study were 100 respondents who were owners or leaders of MSMEs in Semarang. The research data is in the form of quantitative data with data analysis techniques using Structural Partial Least Squares (PLS-SEM). The results showed that the variable coefficients of customer orientation and competitor orientation had a positive and significant effect on product innovation. The variables of customer orientation, competitor orientation and product innovation have a positive and significant impact on marketing performance. Product innovation variable can mediate positively and significantly between customer orientation and competitor orientation with marketing performance.
Co-Authors Muyassarah Nuha, Soya Angga Arifin Nurudin Nurudin Rahma, Zuliana