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All Journal Journal Of Business, Finance, and Economics (JBFE) SYNERGY: Jurnal Bisnis dan Manajemen Jurnal El Rayyan: Jurnal Perbankan Syariah BORJUIS (JURNAL OF ECONOMY)
Rini Elvira
Universitas Islam Negeri Sjech M. Djamil Djambek Bukittinggi
Decision Sciences, Operations Research & Management Economics, Econometrics & Finance

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PENGARUH RELATIONSHIP QUALITY TERHADAP LOYALITAS NASABAH PT BPRS BENGAWAN PUASYARIAH Rahmat Ikbal; Rini Elvira
Jurnal El Rayyan: Jurnal Perbankan Syariah Vol. 2 No. 2 (2023): Jurnal El Rayyan: Jurnal Perbankan Syariah
Publisher : STAI Syekh.H. Abdul Halim Hasan Al Ishlahiyah Binjai

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.59342/jer.v2i2.416

Abstract

Transformasi Akad Mudharabah di Era Digital : Inovasi Fintech Syariah dalam Meningkatkan Transparansi dan Akurasi Investasi Kesy Yumaida Kasih; Fiska Ummyza; Rini Putri; Rani Safitri; Rini Elvira
Journal Of Business, Finance, and Economics (JBFE) Vol 6 No 2 (2025): Desember : Journal Of Business, Finance, and Economics (JBFE)
Publisher : Universitas Veteran Bangun Nusantara

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.32585/jbfe.v6i2.7764

Abstract

This study discusses the application of sharia fintech with mudharabah contracts in the perspective of sharia microeconomics, particularly in relation to the principles of ownership, principal-agent relationships, pricing, sharia investment, and digital financing governance. The main issue examined is the emergence of challenges in the distribution and monitoring of profits in digital mudharabah financing, such as asymmetric information, moral hazard, and adverse selection, which have the potential to disrupt the principles of justice and trust. This study aims to analyze relevant Islamic microeconomic concepts and theories, examine the causes and effects of challenges in digital mudharabah financing, and formulate the best Islamic governance to be in line with the principles of justice, trustworthiness, and maslahah. The method used is a literature study with a qualitative-descriptive approach to scientific journals, books, and Sharia sources such as the Qur'an, hadith, fiqh rules, and maqasid Sharia. The results of the study show that sharia fintech has great potential in increasing financial inclusion and transparency in mudharabah financing, but its effectiveness is still limited by weak monitoring systems, limited digital infrastructure, and low information disclosure. The synthesis of findings shows that strengthening governance through real-time reporting transparency, smart contract implementation, strict screening, and integrated digital monitoring are the main solutions. This study concludes that strong, technology-based sharia governance is the key to the success of digital mudharabah that is fair, trustworthy, and oriented towards public benefit.
STRATEGI PENYELESAIAN PEMBIAYAAN MURABAHAH BERMASALAH PADA BMT AGAM MADANI NAGARI KAPAU Rahma Meli Putri; Rini Elvira
BORJUIS: JURNAL OF ECONOMY Vol. 2 No. 2 (2025): BORJUIS: JOURNAL OF ECONOMY
Publisher : Adisam Publisher

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Abstract

Problematic financing is a situation where in its implementation there is a breach of contract due to the customer's inability or difficulties experienced by the debtor in fulfilling obligations or in repayment of installments, and not fulfilling the requirements promised to the creditor. Murabahah products are one of the superior financing products at BMT Agam Madani Nagari Kapau. The most important basic principle of BMT is to collect funds from the community and distribute them to the community. This article aims to examine the factors causing problematic financing of Murabahah bil Wakalah contracts at BMTPAS and strategies for resolving problematic financing carried out by BMT PAS. This research method uses a field research method with a qualitative approach where data sources are collected through interviews and field observations as well as documentation studies related to the resolution of problematic financing. The research results show that the causes of financing problems at BMT PAS come from internal factors of BMT and external factors from errors by financing members. Resolving Problematic Financing by mitigating risks at the outset by always paying attention to the 5K principles, namely Character, Capacity, Capital, Collateral and Condition. The strategy for resolving problematic financing is carried out by repeated billing, through deliberation with a persuasive or family approach, and writing off receivables including write-offs and write-offs, and holding committee meetings, and providing warning letters to customers
Strategi Penetrasi Harga Untuk Mengoptimalkan Penjualan Produk Hijab Syar’i Pada Toko Addini Hijab di Kota Bukittinggi Vadila Laok Oktavia; Rini Elvira
SYNERGY: Jurnal Bisnis dan Manajemen Vol 6, No 1 (2026)
Publisher : Pelantar Press

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.52364/synergy.v6i1.92

Abstract

This research has the problem of decreasing sales of new products, which aims to find out the price penetration strategy for Bella Syar'i Hijab products at the Addini Hijab Toko Pasar Aur Bukitinggi, with this research emphasizing the penetration strategy as an effort to optimize sales while remaining based on sharia business principles, namely honesty, justice, responsibility, and the implementation of buying and selling based on divine values. The Addini Hijab shop is located in Pasar Aur, Bukittinggi City, West Sumatra Province. The type of research used is Quantitative Descriptive and Survey research, namely data collected directly by the author through distributing closed questionnaires, interviews with the owners and employees of the Addini Shop. The data analysis used is SWOT analysis, namely analysis of the data obtained to identify strengths, weaknesses, opportunities and threats. The research results show that the Addini Hijab Store is in the SO Strategy with the highest score of 6.86, which indicates strong internal conditions and large market opportunities. The main strength lies in the affordable price of the hijab, in accordance with consumers' purchasing ability, proportional to the benefits of the product, and high customer loyalty. Dominant opportunities include market growth, good business prospects, and competitive product advantages. However, price competition and the emergence of similar products at lower prices need to be anticipated through strengthening product value and consistently applying sharia marketing principles
Co-Authors Fiska Ummyza Kesy Yumaida Kasih Rahma Meli Putri Rahmat Ikbal Rani Safitri Rini Putri Vadila Laok Oktavia