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All Journal NATUJA: Jurnal Ekonomi Syariah RIBHUNA : Jurnal Keuangan dan Perbankan Syariah
Afria Rachmawati
Institut Agama Islam (IAI) Ibrahimy Genteng Banyuwangi, Indonesia
Religion Economics, Econometrics & Finance

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STRATEGI MENGGALI MINAT MASYARAKAT UNTUK MEMAKAI JASA UNGGULAN DI BMT NUANSA UMAT CABANG PURWOHARJO Afria Rachmawati
RIBHUNA : Jurnal Keuangan dan Perbankan Syariah Vol 2 No 1 (2023): January 2023
Publisher : Islamic Banking Department, Faculty of Islamic Economics and Business, Institut Agama Islam (IAI) Ibrahimy Genteng Banyuwangi, Indonesia.

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.69552/ribhuna.v2i1.1824

Abstract

This research is to find out the strategies that should be used in offering mobile service and using the products of the BMT Nuansa Umat Purwoharjo. The strategy is used so that people are interested in saving money at BMT NU which carries the slogan “Serving Without Limits Serving Sincerely”. The method used is Descriptive Qualitative. The research was conducted at BMT NU Branch Purwoharjo with the research subject being the marketing of each product offering program or Nuansa Umat saving program to customers/ members or general customers. The marketing strategy for superior service products used by the BMT NU Purwoharjo branch is to determine the publics interest in saving, namely by using several strategies, namely by identifying internal and external factors. Besides that, ait also prioritizes excellent service, honest and trustworthy and can be relied on.
AKAD SALAM, PERMASALAHAN DAN SOLUSINYA Afria Rachmawati
RIBHUNA : Jurnal Keuangan dan Perbankan Syariah Vol 1 No 2 (2022): July 2022
Publisher : Islamic Banking Department, Faculty of Islamic Economics and Business, Institut Agama Islam (IAI) Ibrahimy Genteng Banyuwangi, Indonesia.

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Abstract

There are several types of financing in banking, one of which is financing with a Salam contract. Where in this Salam contract it is stated that the sale and purchase transaction, in this case the payment occurs at the time of the contract, but the delivery of the goods occurs at a later date with a predetermined time. The problem regarding the salam contract is that so far the salam contract has only been considered suitable for the agricultural industry. The magnitude of the risks contained in the agricultural sector also affects the reluctance of the banking sector to channel working capital to the agricultural sector which is not only based on a salam contract. The lack of Islamic bank financing for the agricultural sector is due to the influence of risks contained in the agricultural business. This explains that in order to reduce business risk or increase the chances of success in the implementation of sharia financing in the agricultural sector, one of the key factors is the need to create an integrated business partnership model between agricultural business actors and sharia banking parties. The form of partnership cooperation can be realized in the pattern of plasma core relationships, subcontracting, general trading, or agribusiness operational cooperation. There is a need for socialization and education related to this contract.
PERAN KEWIRAUSAHAAN DALAM MEMBENTUK KARAKTER KEMANDIRIAN EKONOMI SANTRI Habibulloh Habibulloh; Afria Rachmawati; Muhammad Subari
NATUJA : Jurnal Ekonomi Syariah Vol 3 No 2 (2024): (Mei 2024)
Publisher : Program Studi Ekonomi Syariah, Institut Agama Islam (IAI) Ibrahimy Genteng Banyuwangi

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.69552/natuja.v3i2.2459

Abstract

Entrepreneurship in shaping the character of students' economic independence is very important. This research uses a qualitative descriptive method with a phenomenological approach. In data collection procedures, observation, interviews and documentation methods are used. Meanwhile, technical data analysis uses qualitative data analysis (data reduction, data presentation and conclusion drawing) From the results of research in the field it was found that entrepreneurial students at the Raudlatut Thalabah Setail Islamic boarding school played an important role in establishing economic independence. So with entrepreneurship students can live economically independently, this is proven by students being able to meet their own needs such as eating, being able to pay Islamic boarding school sharia and even being able to save even though it is only five thousand rupiahs per day. There are supporting factors for the entrepreneurship of Raudlatut Thalabah Setail students, namely commitment, being serious, oriented to be superior and carried out continuously or istiqomah. Then for the inhibiting factors for the entrepreneurship of Raudlatut Thalabah Setail students, namely incompetence, lack of expertise in controlling finances, location that is less strategic and less serious in running their business.
Co-Authors Habibulloh Habibulloh Muhammad Subari