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All Journal HUMANITIS : Jurnal Humaniora, Sosial dan Bisnis Jurnal Ekonomi dan Bisnis INTERNATIONAL JOURNAL OF HUMANITIES, SOCIAL SCIENCES AND BUSINESS (INJOSS)
Zuwardi Zuwardi
Fakultas Ekonomi dan Bisnis Islam, Universitas Islam Negeri (UIN) Sjech M. Djamil Djambek Bukittinggi, Indonesia
Religion Humanities Economics, Econometrics & Finance Education Public Health Social Sciences Other

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ANALISIS STRATEGI PEMASARAN PRODUK ARRUM HAJI DALAM MENINGKATKAN JUMLAH NASABAH PADA PT. PEGADAIAN SYARIAH UNIT MANGGIS Hovi Vatul Rahma; Zuwardi Zuwardi
Jurnal Ekonomi dan Bisnis Vol. 1 No. 3 (2023): Agustus
Publisher : ADISAM PUBLISHER

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Abstract

This study aims to find out how the marketing strategy for arrum haji products is in facing competition between other Islamic financial institutions. In this thesis, the research used is field research (field research) which is descriptive qualitative by using SWOT analysis. Therefore, the author must know how the state of the company, namely internal factors and external factors that influence the existing marketing strategy of the company. The results of this study indicate that to market arrum haji products at PT. Pegadaian Syariah Manggis Unit Bukittinggi by maintaining strength and making the most of available opportunities to achieve product marketing strategies by improving marketing strategies can be carried out through promotions with social media with technological advances and by making brochures or banners about Arrum Haji products of the Manggis Syariah Pawnshop unit. Based on the analysis on the combination of the SWOT matrix strategy for marketing arrum haji products, the SO strategy was obtained with a total score of 3.84, namely introducing that arrum haji products at sharia pawnshops are in accordance with Islamic sharia, increasing publications about arrum haji products through social media and print media, and activate promos regarding arrum haji products at every event in the community. As for the implementation of arrum haji products at sharia pawnshops, the principle of caution is used so that in every activity we are always careful so that we can protect the data and funds entrusted. Applying the principles of justice, the principle of trust and the principle of togetherness.
ANALYSIS OF MURABAHAH FINANCING IMPLEMENTATION IN REPLANTING OIL PALM PLANTATIONS WEST PASAMAN DISTRICT: (Case Study of PPP Perintis West Pasaman Regency) Nafisah Nursapni; Zuwardi Zuwardi
INTERNATIONAL JOURNAL OF HUMANITIES, SOCIAL SCIENCES AND BUSINESS (INJOSS) Vol. 2 No. 3 (2023): SEPTEMBER
Publisher : ADISAM PUBLISHER

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This research is motivated by problems in murabahah financing in the rejuvenation of oil palm plantations. The aim of this research is to determine and analyze the implementation of murabahah financing in the rejuvenation of oil palm plantations in West Pasaman district and to determine the effect of implementing murabahah financing in the rejuvenation of oil palm plantations in increasing the income of KPS Perintsi members. This research uses a qualitative descriptive type. The data sources in this research are primary and secondary data. Data collection techniques were taken through observation, interviews and documentation. The data analysis techniques are data reduction, data presentation, drawing conclusions. The results of the research obtained by the author show that the use of implementing murabahah financing in rejuvenating oil palm plantations of KPS Perintis members uses Bank Syariah Indonesia funds, namely murabahah loans for which KPS Perintis is channeling. Rejuvenation is carried out independently, except when felling oil palm trunks using the services of contractors using heavy equipment. Technically, the entire implementation of cultivation and financing for rejuvenation of oil palm plantations is from KPS Perintis which is the channeling until the plants produce, KPS Perintis is the person responsible for the loan installments which are deducted from the FFB production every month. The obstacle that occurs in the implementation of murabahah financing for the rejuvenation of oil palm plantations is that when signing the credit agreement for members whose parents have died and the SHM guarantee after changing the names to all the heirs, they have to collect the requirements of all the heirs. All heirs must sign the credit agreement for the disbursement of murabahah contract funds because each heir is domiciled in several regions, districts, and even in other provinces. The solution to this problem is to contact all the heirs whose names are listed in the SHM guarantee to come to the BSI office and there are some heirs who are unwilling or have problems coming to the BSI or KPS Perintis office, so KPS Perintis must go to the location where the heirs live.
STRATEGI PEMASARAN PRODUK DEPOSIT DI BAITUL MAAL WA TAMWIL AL-FATAYA PAYAKUMBUH Nadya Utami; Zuwardi Zuwardi
HUMANITIS: Jurnal Homaniora, Sosial dan Bisnis Vol. 1 No. 3 (2023): September
Publisher : ADISAM PUBLISHER

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Abstract

The background of this research is the lack of knowledge in the community about i-Deposit products, so that there are many methods that are used by each bank in carrying out the strategy. One of them is by promoting it at least by providing explanations or knowledge to the community about the idea deposit product i. This research aims to find out how the marketing strategy for the deposit product is in the face of competition between other Islamic financial institutions. In this description, the research used is in the form of field research which is qualitatively descriptive in nature by using iSWOT analysis. Because of that, the writer must know how the condition of the company, namely the internal and external factors that influence the marketing strategy that exists in the company, i. The Weakness-Opportunities (WO) strategy gets a weight of 3.42. While the Strength-Threats (ST) strategy gets a weight of 2.95. The Weakness-Threats (WT) strategy gets a weight of 2.27. So that from the results of calculating the weight of the SWOT Matrix score, BMT Al-Fataya can use and make the most of its strengths and opportunities so as to achieve increased marketing of deposit products. Then BMT Al-Fataya is able to face weaknesses and threats in marketing these deposit products.
Co-Authors Hovi Vatul Rahma Nadya Utami Nafisah Nursapni