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Efektivitas Program Kredit Usaha Rakyat di PT Bank Sulselbar terhadap Pendapatan UMKM di Kabupaten Sidenreng Rappang Nurul Ainun Salsabila; Pratiwi Ramlan; Haslindah; Muhammad Rusdi
Jurnal Paradigma Ekonomika Vol. 20 No. 2 (2025): Jurnal Paradigma Ekonomika
Publisher : Program Studi Ekonomi Pembangunan Fakultas Ekonomi dan Bisnis Universitas Jambi

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.22437/jpe.v20i2.47219

Abstract

Micro, small, and medium enterprises play a strategic role in driving regional economic growth, yet they still face challenges in accessing capital. The government, through PT Bank Sulselbar, distributes the People's Business Credit program as an effort to increase the income of business actors. This study aims to determine the effectiveness of the People's Business Credit program on increasing the income of micro, small, and medium enterprises in Sidenreng Rappang Regency. The research uses a descriptive quantitative approach with survey techniques through questionnaires distributed to 68 respondents. Data analysis was conducted using validity tests, reliability tests, normality tests, multiple linear regression, and hypothesis testing. The results show that input and process variables have a positive and significant effect on income increase, with a contribution rate of 68.1 percent. This study concludes that the People's Business Credit program is effective in supporting business development and increasing the income of small business actors in the region.
Strategi Strategi Pemasaran Jiandy Wedding Organizer Dalam meningkatkan Kualitas Layanan Jasa di Desa Leppangeng Kecamatan Patampanua Kabupaten Pinrang bila, nabilah_bila; Adam Latif; Rahman Yakub; Haslindah
OIKOS: Jurnal Kajian Pendidikan Ekonomi dan Ilmu Ekonomi Vol 9 No 2 (2025): OIKOS: Jurnal Kajian Pendidikan Ekonomi dan Ilmu Ekonomi
Publisher : Fakultas Keguruan Dan Ilmu Pendidikan Universitas Pasundan

Show Abstract | Download Original | Original Source | Check in Google Scholar

Abstract

This research is motivated by the significance of marketing strategies in enhancing service quality, particularly in service-based businesses such as Jiandy Wedding Organizer in Leppangeng Village. The purpose of this study is to identify the marketing strategies implemented by Jiandy Wedding Organizer to improve customer service quality. A descriptive qualitative method was employed, with data collected through observation, interviews, and documentation. The data were analyzed using the Nvivo 12 application to systematically group themes and organize categories based on the interview results. The findings reveal that Jiandy Wedding Organizer effectively applies the 4P marketing mix (product, price, place, promotion), including offering a variety of wedding packages, competitive pricing, promotion through social media, and fast, friendly service. In conclusion, the implemented marketing strategies have successfully increased customer satisfaction and strengthened the business image amid competition from similar service providers.
ANALISIS PELAKSANAAN AKAD ISTISHNA' USAHA JUAL BELI LEMARI ALUMINIUM DALAM MENINGKATKAN KEPUASAN PELANGGAN (Studi Pada Toko Edi Aluminium Desa Lamurukung Kec. Tellu Siattingge) Ramadhani, Eliya; Haslindah; Sitti Nikmah
Jurnal Manajemen Perbankan Keuangan Nitro Vol. 1 No. 3 (2025): Vol. 1 No. 3 (2025): Special Volume for International Collaboration
Publisher : LP2M IBK Nitro

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.56858/jmpkn.v1i3.723

Abstract

This study aims to analyze the implementation of the istishna' contract in the aluminum cabinet buying and selling business and its impact on customer satisfaction at the Edi Aluminum Store in Lamurukung Village, Tellu Siattinge District. The research method used is a qualitative approach with data collection techniques through interviews, observation, and documentation. The results of the study indicate that the implementation of the istishna' contract in this store has been carried out in accordance with sharia principles, marked by an agreement between the seller and customer regarding the specifications of the goods, price, and completion time. Although the contract is carried out verbally, proof of the transaction is still available and is a form of responsibility of the seller for the order. The production process runs according to the agreement, and the quality of the product meets customer expectations. This has positive implications for high levels of customer satisfaction, reflected in the desire to reorder and provide recommendations to others. This study is expected to be a reference for business actors in implementing the istishna' contract as a strategy to increase customer satisfaction in sharia-based businesses
The Moderating Role of Environmental Knowledge in Green Halal Cosmetic Purchase Intentions Herianto; Wardani, Tri Ulfa; Purnamasari, Dian Septi; Haslindah
Jurnal Ekonomi Syariah Teori dan Terapan Vol. 12 No. 1 (2025): Februari-2025
Publisher : Universitas Airlangga

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.20473/vol12iss20251pp86-96

Abstract

The purpose of this study was to identify and analyze the purchase intention of environmentally friendly halal cosmetic products by millennial Muslim generations in Indonesia moderated by knowledge of the environment. This study used a quantitative approach, data were obtained by distributing questionnaires (google form) through WhatsApp and Instagram social media, sampling using a perceptive sampling technique, the number of respondents was 115 people with the withdrawal of the younger generation of women and men aged 15-30 years and living in Indonesia. The research model uses the structural equation modeling–partial least structural (SEM) model with the help of Smart-PLS 3 statistical software analysis. The findings of this study indicate that self-efficacy influences attitudes, eco-label influences halal-green awareness, normative belief variables influences on subjective norms, perceptual behavioral control influences the intention to consume environmentally friendly halal. Furthermore, the presence of environmental knowledge as a moderating variable indicates that this variable does not have a moderating effect on the relationship between attitude variables, green-halal awareness and subjective norms with the intention to consume environmentally friendly halal. However, these variables have a significant direct effect on the intention to consume environmentally friendly halal. This study is one of the comprehensive research on the intention to buy environmentally friendly halal products.
HUMANISTIC RIGHTS, CHALLENGES AND ISSUES OF ISLAMIC MODERATION UNDER MINISTER OF RELIGIOUS AFFAIRS GUS YAQUT Zakiah, Sitti; Rif’atul Islam, Naila; Haslindah; Ali Halidin; Aidasari
Jurnal Ar-Risalah Vol. 5 No. 2 (2025): Volume 5 Nomor 2 Tahun 2025
Publisher : Institut Agama Islam Negeri Bone

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.30863/arrisalah.v5i2.6014

Abstract

There were six advantages of Gus Yaqout when he served as Minister of Religion in the era of President Jokowi. These six of superior programs also regulated the lifestyle of religious communities based on moderation, namely; The first; Revitalization of KUA Services (District Office of Religious Affairs ): KUA is seen as the front guard of Ministry of Religion services. KUA should become a service center for all religions, so that it is more global, universal and transparent and does not give suspicion to the other religions. Secondly; Islamic Boarding School Independence: Program to strengthen the potential empowerment of Islamic boarding schools, especially in the field of entrepreneurship so that they can fulfill their own needs, and The third; Digital Transformation: Digitalization of public services, including the development of integrated the applications such as Superapps Pusaka and the construction of a data center for one Ministry of Religion data. The fourth; Cyber Islamic University: This initiative aims to develop technology-based Islamic higher education, no longer towards a World Class University, but into an Islamic World Destination University, this is after the establishment of UIII in Depok and UIN Cyber Nurjati Cirebon. The fifth; Religiosity Index: Development of the World Islamic Destination University, this index is to measure the level of religiousness of society. All of Gus Yaqout's programs are based on the nawacita of strengthening religious moderation to create the harmony between religious communities in Indonesia. This includes strengthening moderate religious views, attitudes and practices.
Co-Authors Adam Latif Aidasari Ali Halidin Andi Riska Andreani Syafaruddin Angkotasan, Rahma R. N Ardi Bastiana bila, nabilah_bila Fitri Handayani Hasbi Hasni Hasnidar Herianto Malik Fajar Mirna Sari Muh. Hasbi Ash. Shiddiq Muh. Tamrin Muhammad Ikram Muhammad Rusdi Muhammad Tamrin Nirwana Nur Syafika Nurul Ainun Salsabila Purnamasari, Dian Septi Rahman Yakub Ramadhani, Eliya Ramlan, Pratiwi Rif’atul Islam, Naila Shadriyah Sitti Nikmah Sitti Zakiah Ma’Mun sukmawati Syam Muhaimin Trifanya, Rensi Utami, Waode Nurul Wardani, Tri Ulfa