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All Journal Dinar: Jurnal Ekonomi dan Keuangan Islam Ikonomika : Jurnal Ekonomi dan Bisnis Islam Jurnal Ilmiah Ekonomi Islam Kuriositas: Media Komunikasi Sosial dan Keagamaan DIKTUM: Jurnal Syariah dan Hukum Journal of Institution And Sharia Finance Al-Masharif: Jurnal Ilmu Ekonomi dan Keislaman Jurnal Review Pendidikan dan Pengajaran (JRPP) Jurnal Ilmu Manajemen Profitability Kuriositas: Media Komunikasi Sosial dan Keagamaan AL-FALAH : Journal of Islamic Economics Jurnal Ar-Ribh Jurnal Penkomi : Kajian Pendidikan dan Ekonomi INVOICE : JURNAL ILMU AKUNTANSI Transekonomika : Akuntansi, Bisnis dan Keuangan Jurnal Al-Kharaj: Studi Ekonomi Syariah, Muamalah, dan Hukum Ekonomi Moneta: Jurnal Manajemen & Keuangan Syariah Paradoks : Jurnal Ilmu Ekonomi Economos : Jurnal Ekonomi dan Bisnis Amal: Jurnal Ekonomi Syariah JER Al-masharif: Jurnal Ilmu Ekonomi dan Keislaman Balance: Jurnal Ekonomi
DAMIRAH DAMIRAH, DAMIRAH
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Religion Arts Humanities Decision Sciences, Operations Research & Management Economics, Econometrics & Finance Education Languange, Linguistic, Communication & Media Law, Crime, Criminology & Criminal Justice Social Sciences Other

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Comparative Analysis of Bank Soundness Levels Using the RGEC Method at PT. Bank Muamalat and PT. Indonesian Sharia Bank Nurfadillah, Nurfadillah; S, Andi Bahri; Damirah, Damirah; Semaun, Syahriyah; Muliati, Muliati
Jurnal Ilmu Manajemen Profitability Vol. 9 No. 1 (2025): FEBRUARY 2025
Publisher : Universitas Muhammadiyah Makassar

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.26618/profitability.v9i1.17353

Abstract

Comparison between the health levels of Bank Muamalat , a national private bank, and Bank Syariah Indonesia, a state-owned enterprise, is based on their published 2022 annual financial statements. This study aims to assess the financial health of both banks and compare their health levels using the RGEC method (Risk Profile, Good Corporate Governance, Earnings, and Capital). The research employs a quantitative approach with a comparative field research type, focusing on financial health by analyzing financial performance in 2022 through the RGEC method. This study uses secondary data sourced from the 2022 annual reports of both banks, published by the Financial Services Authority (OJK). The findings indicate that Bank Muamalat performed well in liquidity and capital but needs improvement in profitability, particularly in return on assets. The composite rating for Bank Muamalat in 2022 was 68.57%, placing it in the PK-3 category, meaning it is 'Quite Healthy.' Bank Syariah Indonesia exhibited excellent performance in risk profile, capital, and operating margins. Its composite rating in 2022 was 74.28%, classifying it under the PK-2 category, meaning it is 'Healthy.' The different composite rankings suggest variations in financial health between the two banks. Future research is recommended to incorporate additional assessment factors and continue using the RGEC method to provide a more comprehensive evaluation of bank health.
IMPLEMENTASI MULTI AKAD PRODUK GADAI EMAS DI PT BANK SYARIAH INDONESIA TBK KANTOR CABANG MAMUJU (TINJAUAN EKONOMI SYARIAH) Sahabuddin, Sahabuddin; Mahsyar , Mahsyar; Damirah, Damirah; Semaun, Syahriyah; S, Andi Bahri
Jurnal Review Pendidikan dan Pengajaran Vol. 7 No. 3 (2024): Vol. 7 No. 3 (2024): Volume 7 No 3 Tahun 2024 (Special Issue)
Publisher : LPPM Universitas Pahlawan Tuanku Tambusai

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.31004/jrpp.v7i3.30963

Abstract

Penelitian ini bertujuan untuk mengetahui bagaimana pengimplementasian multi akad gadai emas serta mengetahui alur proses transaksi gadai menurut pandangan ekonomi syariah pada PT Bank Syariah Indonesia Tbk Kantor Cabang Mamuju. Metode yang digunakan dalam penelitian ini adalah metode deskriptif kualitatif menggunakan pendekatan studi kasus. Sumber data dalam penelitian ini terdiri atas sumber data primer dan sumber data sekunder. Penelitian ini dilaksanakan di Lokasi penelitian ini adalah PT Bank Syariah Indonesia Tbk Kantor Cabang Mamuju Yang Jl Urip Sumoharjo No 44 kel. Karema Kec. Mamuju Kab. MAmuju Sulawesi Barat. Subjek peneltian ini berjumlah 19 orang yang terdiri dari 4 orang Pegawai dan 15 orang Nasabah. Hasil penelitian menunjukkan bahwa PT Bank Syariah Indonesia Tbk Kantor Cabang Mamuju merupakan hasil merger tiga bank syariah anak Perusahaan Bank BUMN yaitu BSM, BNIS dan BRIS. PT Bank Syariah Indonesia Tbk Kantor Cabang Mamuju dari ex BSM dimana sebelum merger sudah memiliki konter layanan gadai dan konter layanan gadai inilah yang berlanjut sampai saat ini. Skema multi akad yang digunakan adalah skema tiga akad yaitu rahn sebagai pengikatan jaminan emas qard sebagai akad pinjaman dan ijarah sebagai akad pengenaan biaya titipan (mu’nah) dalam penerapa akadnya dicantumkan dalam SBGE dan ditandatangani nasabah dengan petugas bank. Gadai memiliki beberapa tahapan transaksi yaitu tahap awal proses pencairan kemudian proses penyinpanan agunan proses perpanjangan dan yang terakhir proses pelunasan gadai emas. Dalam penerapannya gadai emas harus sesuai dengan prinsip prinsip ekonomi islam yaitu ketauhidan kemaslahatan dan prinsip keadilan sesuai dengan syariat Islam dan tertuang dalam Al-Qur’an maupun Hadist. Hasil penelitian menunjukkan keseluruhan proses transaksi multi akad gadai emas pada PT Bank Syariah Indonesia Tbk Kantor Cabang Mamuju sudah sesuai dengan prinsip hukum ekonomi syariah.
Implementation of Policy Regarding Distribution of BLT for Extreme Poverty in Tambolongan Village, District. Bontosikuyu District. Selayar Patmawati, Andi Kiki; Mahsyar, Mahsyar; Damirah, Damirah; Muliati, Muliati; Semaun, Syahriyah
Jurnal Ekonomi Balance Vol. 20 No. 1 (2024): June 2024
Publisher : Perpustakaan dan Penerbitan Unismuh Makassar

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.26618/jeb.v20i1.15303

Abstract

Policy implementation is any action taken by the government, both individually and in groups, to achieve a goal. Extreme poverty generally means the inability of a community to meet basic needs such as food, drinking water, proper sanitation, health, housing, education and access to information about income and social services. The purpose of this research is the BLT program to help households that are vulnerable to the impact of the Covid-19 pandemic. Qualitative descriptive research method. Primary data comes from direct interviews with direct beneficiaries of extreme poverty in Tambolongan village. The results of this study are: (1) The village government in determining extreme poverty communities still refers to Perkades 01 of 2023 which as been agreed upon with community leaders.    (2). Policy implementation carried out by the Tambolongan Village government includes communication, implementing attitudes, bureaucratic structure, and resources. The team involved in the policy of distributing Aid to extreme poverty communities is the implementing team carrying out the Fund Budgeting proposed by the coaching team for evaluation. After that, the Village Fund is ready to be distributed to people of extreme poverty. (3). The concept of economic empowerment for the people guided by the Al-Qur'an lies in the utilization and distribution of wealth evenly which is carried out properly and correctly. There are two provisions recommended in the    Al-Qur'an, the first is the command to provide assistance to the poor through infaq, alms and orders to feed the poor (ṭa'am almiskin), apart from being a form of first aid to the poor to maintain their survival, it can also It is understood that this is one way of Islam in empowering poverty
Marketing Strategy of Mitra Dhuafa Credit Union Service Product Toward Customer Economic Enhancement Susianti, Susianti; Marhani, Marhani; Damirah, Damirah; Semaun, Syahriyah; Bahri. S, Andi
Jurnal Economic Resource Vol. 8 No. 1 (2025): March-August
Publisher : Fakultas Ekonomi & Bisnis Universitas Muslim Indonesia

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.57178/jer.v8i1.1457

Abstract

Credit unions are one of the non-bank financial institutions that are still rarely glanced at; even so, cooperatives have provided a significant economic contribution to the community. Mitra Dhuafa Credit Union (KOMIDA) is one of the cooperatives that already has many branches and encourages an increase in the community’s financial capability. This study aims to analyze the preparation of marketing strategy plans and forms of service product implementation, analyze marketing strategy evaluations, and identify factors that can influence the marketing strategy of service products at KOMIDA. Data analysis in this study was carried out using deductive reasoning. Twelve studies were selected through four stages of exclusion, using a systematic literature review approach. The results of this study indicate that marketing strategy planning is carried out to ensure the benefits that KOMIDA can provide to its members; the implementation of ongoing products also offers many advantages in terms of improving customer quality; in terms of evaluation, KOMIDA carries out evaluation to improve performance and attract more customers. Finally, the factors that influence the marketing strategy of service products are the products themselves, forms of promotion, prices, and quality of service provided by the credit union.
Marketing Mix to Improve the Family Economy of Female Silk Craftsmen in Tanasitolo District, Wajo Regency Akbar, Muh.; Semaun, Syahriyah; Astuti, An Ras Try; Aminah, St.; Damirah, Damirah
Jurnal Ekonomi Balance Vol. 21 No. 2 (2025): December 2025
Publisher : Perpustakaan dan Penerbitan Unismuh Makassar

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.26618/gp8s0g12

Abstract

This study investigates the role of the marketing mix strategy in strengthening the family economy of female silk weavers in Tanasitolo District, Wajo Regency, from the perspective of Islamic economics. Employing a descriptive qualitative methodology with a phenomenological approach, this field research aims to explore how the implementation of the 7P marketing mix strategy—Product, Price, Place, Promotion, People, Process, and Physical Evidence—contributes to business sustainability and household welfare among women-led silk weaving enterprises. Primary data were obtained through in-depth interviews with female silk weavers, while secondary data were sourced from relevant literature, including books and peer-reviewed journal articles. The findings indicate that the effective application of the 7P marketing mix, when aligned with Islamic economic principles such as fairness, honesty, and mutual benefit, enhances product competitiveness, improves market access, increases sales performance, and ultimately strengthens family economic resilience. Furthermore, the integration of ethical values derived from Islamic economics supports sustainable business practices and empowers women as key economic actors within their households and communities. This study offers practical implications for policymakers, development practitioners, and micro-entrepreneurs by highlighting the importance of integrating strategic marketing approaches with Islamic economic values to promote inclusive economic development and improve the welfare of female micro-entrepreneurs.
TINJAUAN PRINSIP ‘ADALAH TERHADAP KONTESTASI PASAR TRADISIONAL DENGAN PASAR MODERN DI BARANTI KAB. SIDENRENG RAPPANG Hatta, Ulya; Damirah, Damirah; Suarning, Suarning; Muliati, Muliati; Bahri, Andi
Jurnal Al-Kharaj: Studi Ekonomi Syariah, Muamalah, dan Hukum Ekonomi Vol. 6 No. 1 (2026): Januari-Juni 2026
Publisher : IAIN BONE

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.30863/alkharaj.v6i1.9852

Abstract

Market contestation refers to the competition between traditional and modern markets in Baranti to attract consumers. This study aims to understand the reality of market contestation and the application of the ‘adalah principle in market competition. The research method used is qualitative descriptive, with field research as the primary approach. Data sources include primary and secondary data. Data analysis techniques include data presentation, data reduction, and conclusion drawing. The findings of this study are: (1) The competition between traditional and modern markets in Baranti, Sidenreng Rappang Regency is influenced by the existence of both market types, competition, and socio-cultural impacts. Although modern markets offer more comfort, traditional markets remain vital to the local community. Both markets can complement each other and provide significant benefits to Baranti residents if managed properly. (2) Markets in Baranti implement the ‘adalah principle in competition through three ways: enforcing fair pricing, avoiding uncertainty (gharar), and promoting ethical trading freedom. (3) The analysis of the ‘adalah principle can be realized by applying principles of transparency, objectivity, and accountability
Exploring Trends And Dimensions In Islamic Leadership Research: A Bibliometric Approach Syaifullah, syaifullah; Lestari, Nurrizka Puji; Juirah, Juirah; Damirah, Damirah
Jurnal Ilmiah Ekonomi Islam Vol. 10 No. 2 (2024): JIEI : Vol.10, No.2, 2024
Publisher : ITB AAS INDONESIA Surakarta

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.29040/jiei.v10i2.12740

Abstract

This research aims to examine the trends and the extent of research related to Islamic Leadership in Indonesia published through the Scopus database from 2013 to 2023. The research method employed is quantitative, applying bibliometric analysis and utilizing R-Packages and WebInterface Biblioshiny software for visual data analysis and detailing. The study indicates that the theme of Islamic Leadership in Indonesia continues to capture the attention of researchers to the present day. One of the most influential works is Sholikhah's publication in 2019, cited 32 times. Diponegoro University has the highest affiliation with 13 publications, and Indonesia stands out as the most productive country with a total of 319 citations. The bibliometric analysis conducted is limited to Scopus data, with other national and international databases not considered in this study. This research examines relevant studies on Islamic leadership in Indonesia, presenting a brief literature review accessible to researchers in this field and providing recommendations for future research.
STRATEGI BAURAN PEMASARAN 9P DAN CUSTOMER CENTRISM TERHADAP PENINGKATAN JAMAAH PERSPEKTIF PEMASARAN SYARIAH (Studi: Travel Haji dan Umrah di Ajattapareng) Umar, Umrah Yani; Darmawati, Darmawati; Damirah, Damirah; Semaun, Syahriyah; Muliati, Muliati
TRANSEKONOMIKA: AKUNTANSI, BISNIS DAN KEUANGAN Vol. 4 No. 5 (2024): September 2024
Publisher : Transpublika Publisher

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.55047/transekonomika.v4i5.710

Abstract

Marketing is important for business success. The right marketing strategy is very diverse, such as the 9P marketing mix and Costumer Centrism. The application of marketing strategies is important in achieving business goals. The purpose of this study is to analyze the application of sharia marketing strategies using the 9P marketing mix concept in the Hajj and Umrah travel business, and to see how this strategy can increase the number of pilgrims and customer satisfaction. This research uses the interview method to collect data. Interviews were conducted with the leaders and pilgrims of the four travel agents that became the object of research. The results showed that the 9P marketing mix increased the number of pilgrims of Hajj and Umrah travel agents in Ajattapareng. Sharia marketing principles such as transparency, honesty, and good service help increase customer satisfaction and create a competitive advantage. Data for 2019-2023 shows an increase in the number of pilgrims in 2023 thanks to packages that comply with regulations, competitive prices, satisfactory facilities, effective promotions, friendly service, and simple processes. A customer centrism approach is also applied to focus on customer satisfaction.
Economic Rational Analysis of Early Marriage Behavior of Transmigration Families in Mamuju Tengah Regency H, Marsadi.; Nurhayati, St.; Damirah, Damirah; Muhammadun, Muzdalifah; Bahri, Andi
Jurnal Ilmu Manajemen Profitability Vol. 10 No. 1 (2026): FEBRUARY 2026
Publisher : Universitas Muhammadiyah Makassar

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.26618/3xd1e245

Abstract

Early marriage remains a persistent social and economic phenomenon in transmigration communities, particularly in rural areas where structural vulnerability, limited education, and economic hardship intersect. Despite extensive religious and legal debates, there is limited research examining early marriage through the lens of economic rationality within Islamic economic perspectives. This study aimed to analyze the rational economic considerations underlying early marriage behavior among transmigration families in Central Mamuju Regency. The research employed a qualitative case study design. The population consisted of transmigration community members in Karossa District, and participants were selected purposively based on their direct experience with early marriage cases. Primary data were collected through in-depth interviews, observation, and documentation, and were analyzed using thematic analysis with triangulation techniques to ensure validity. The findings indicated that early marriage was driven by interconnected factors, including economic pressure, low parental education, social media influence, peer association, and premarital pregnancy. Many parents perceived marriage as a rational strategy to reduce household economic burdens and secure their children’s livelihoods. However, the results showed that early marriage often produced adverse economic consequences, including unstable income, continued dependence on parents, increased household conflict, and vulnerability to poverty. From an Islamic economic perspective, the practice reflected short-term rational calculations rather than long-term welfare optimization (maslahah). This study contributes to the discourse on economic rationality in family decision-making and highlights the need for integrated policy interventions emphasizing education, economic empowerment, and preventive social programs to mitigate early marriage in vulnerable communities.
Co-Authors Akbar, Muh. Ali, St Nurhayati Alifkah, Ayu Andi Bahri S Andi Bahri, Andi Andi Tenripadang, Andi Arismunandar, Andi Patotori Astuti, An Ras Try Bahri. S, Andi Darmawati Darmawati Faradhiba, Yulia Fikri Fikri Firman Firman Frihatni, Andi Ayu H, Marsadi. H, Muh Ilyas Hanike, Yusrianti Hannani Hassan Alaaraj, Hassan Hatta, Ulya Hishaly GH, Nur HS, Lifityani I Nyoman Budiono Ida Ayu Putu Sri Widnyani Idris, Mahsyar Idris, Masyar Irmawati Irmawati Iryanto, Rivaldo Kurniawan Islamul Haq Juirah, Juirah Lestari, Nurrizka Puji M. NASRI HAMANG, M. NASRI Mahsyar , Mahsyar Mahsyar, Mahsyar Marhani Marhani Maricar, Rezvanny Muhammad Kamal Zubair, Muhammad Kamal Muliati Muliati, Muliati Muliati, Hj. Musakkir , Musakkir Musmulyadi Musmulyadi Muzdalifah Muhammadun, Muzdalifah Nur Asih, Nur Nurfadillah Nurfadillah Nurhamida, Nurhamida Nurhayati, St. Patmawati, Andi Kiki Purwoko, Agus Rachman Amir, Abdul Rahmawati Reza, Muh RUSNAENA RUSNAENA, RUSNAENA S, Andi Bahri SAHABUDDIN SAHABUDDIN Sahrani, Sahrani Sardia Semaun, Hj. Syahriyah Semaun, Syahriah Shalilah, Mar’atun St. Aminah ST. JAMILAH AMIN, ST. JAMILAH Suarning, Suarning Sudirman L, Sudirman Susianti, Susianti Syahriyah Semaun, Syahriyah Syaifullah Syaifullah Syam, Nuradillah Umar, Umrah Yani Wahyuni Nur, Sri Wahyuni, A Yusriadi, Aditya Yusuf, Hardyansyah Zainal Said