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All Journal JURNAL IQTISAD: Reconstruction of Justice and Welfare for Indonesia EKSYAR: Jurnal Ekonomi Syari'ah & Bisnis Islam Journal of Economics, Entrepreneurship, Management Business and Accounting
Fatkhur Rohman Albanjari
Universitas Muhammadiyah Ponorogo, Indonesia
Economics, Econometrics & Finance Law, Crime, Criminology & Criminal Justice Social Sciences

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Service Quality Development Strategy for Customers of Baitul Maal Wat Tamwil (BMT) Sahara Tulungagung Fatkhur Rohman Albanjari; Nugraheni Fitroh Rezqi Syakarna
EKSYAR : Jurnal Ekonomi Syari'ah & Bisnis Islam (e-Journal) Vol. 10 No. 1 (2023): EKSYAR : Jurnal Ekonomi Syari'ah & Bisnis Islam
Publisher : Study Program Ekonomi Syari'ah, Sekolah Tinggi Agama Islam Muhammadiyah Tulungagung

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.54956/eksyar.v10i1.412

Abstract

BMT Sahara is an Islamic financial institution whose operational target focuses on the small and medium enterprises (SMEs) sector. To increase BMT's market share, it is necessary to analyse what factors influence people's interest in becoming customers at BMT. One of the factors is the quality of service BMT Sahara provides to its customers. Good service must be accompanied by a qualified strategy to support the success of a BMT and maintain its image in the broader community. So the quality of service for customers needs to be improved. This is very important considering the very large role of customers in contributing revenue directly or indirectly to continue supporting BMT Sahara's existence.  
Covert marketing in Social commerce: Muslim Consumers' Perception of Viral Products in the Perspective of Islamic Business Ethics Mohammad Saiful Rifai; Fatkhur Rohman Albanjari; Mukhamad Rinda Rifa’i; Fadilla Muhammad Mahdi; Ilza Febrina
Jurnal Iqtisad Vol 13 No 1 (2026): Jurnal Iqtisad
Publisher : Universitas Wahid Hasyim Semarang

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.31942/iq.v13i1.15720

Abstract

This study is motivated by the rapid development of increasingly creative digital marketing strategies that may raise ethical concerns when conducted without transparency. This study aims to analyze Muslim consumer perceptions of covert marketing practices on viral products in TikTok Shop from the perspective of Islamic business ethics. This research employed a qualitative method with a descriptive approach. Data were collected through in-depth interviews with business actors and consumers. The researcher also conducted observations and documentation related to covert marketing practices. Data analysis techniques included data reduction, data presentation, and conclusion drawing. The findings indicate that covert marketing practices are considered effective in attracting consumer attention because they are able to build emotional closeness and increase trust through promotions presented naturally. Such strategies are commonly implemented through social media, personal recommendations, and the use of third parties in delivering promotional messages. However, in practice, several forms of marketing were found to potentially create unclear information and manipulate consumer perceptions. From the perspective of Islamic business ethics, marketing activities should be based on the principles of honesty, transparency, responsibility, and fairness. Therefore, covert marketing may be permissible as long as it does not involve deception, gharar (uncertainty), or misleading information for consumers. This study emphasizes that the balance between marketing creativity and the implementation of Islamic business ethics is an important factor in creating healthy and sustainable business practices.
Perceived Quiet Firing and Turnover Intention in Education Technology Startups: A Serial Mediation Model Diyan Novika; Sri Hartono; Fatkhur Rohman Albanjari
Journal of Economics, Entrepreneurship, Management Business and Accounting Vol 4 No 5 (2026): Volume 4, Issue 5, September 2026
Publisher : CV. Sakura Digital Nusantara

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.61255/jeemba.v4i5.1374

Abstract

Purpose – This study examines the sequential psychological processes theoretically proposed to connect perceived quiet firing with turnover intention among employees in Indonesian Education Technology startups, with psychological contract breach and work disengagement specified as theoretically ordered mediators whose sequential arrangement reflects an established theoretical logic rather than an empirically verified temporal sequence. Design/methodology/approach – Survey data were collected from 190 employees across eight Education Technology startups in Indonesia. Partial least squares structural equation modeling (PLS-SEM) was used to estimate direct, indirect, and serial mediation pathways among the four constructs. Finding/Results – Psychological contract breach predicted work disengagement, while work disengagement emerged as the most proximate structural predictor of turnover intention. Neither the direct path from perceived quiet firing nor that from psychological contract breach to turnover intention reached significance once the mediators were included. Bootstrapping confirmed the significance of the indirect effects through work disengagement and through the serial pathway involving psychological contract breach and work disengagement. Originality/Value – The study extends the employee withdrawal literature by embedding perceived quiet firing in an indirect effects model that treats psychological contract breach and work disengagement as distinct stages rather than interchangeable mechanisms. Their ordering follows from theory, not from temporal observation, and whether the sequence actually unfolds in this direction across time remains a question for longitudinal research. The findings carry practical implications for Education Technology startups seeking to identify and address early-stage relational risk factors before they solidify into voluntary attrition.
Co-Authors Diyan Novika Fadilla Muhammad Mahdi Febrina, Ilza Mohammad Saiful Rifai Mukhamad Rinda Rifa'i Nugraheni Fitroh Rezqi Syakarna Sri Hartono