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All Journal Jurnal Al-Qardh Jurnal EK dan BI El-Mal: Jurnal Kajian Ekonomi & Bisnis Islam Journal of Ekonomics, Finance, and Management Studies
Khayati, Ismatul
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Religion Agriculture, Biological Sciences & Forestry Humanities Civil Engineering, Building, Construction & Architecture Economics, Econometrics & Finance Industrial & Manufacturing Engineering Social Sciences

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Analysis of Financing Strategy in the Era and Post COVID-19 (Case Study of PT. Mandiri Tunas Finance) agustin, Riska; Kalimah, Siti; Khayati, Ismatul
AL-QARDH Vol 8, No 2 (2023): AL-QARDH
Publisher : Fakultas Ekonomi dan Bisnis Islam Institut Agama Islam Negeri Palangka Raya

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.23971/jaq.v8i2.7727

Abstract

The COVID-19 pandemic is a global challenge that affects the economy, including the performance and the function of financial institutions in Indonesia. PT. Mandiri Tunas Finance (MTF) has increased in credit risk and decreased in the sales volume in 2020 by 45.75% compared to 2019 before COVID-19. However, post COVID-19, MTF has succeeded in implementing strategies to improve its credit risk and sales volume. The purpose of this research is to identify and to analyze the implementation of marketing strategies and MTF credit restructure in saving customers' bad credit in the era and post COVID-19. This study uses a descriptive qualitative research methods. Data was collected through interviews, documentation and analysis of financial reports. Sampling was done by purposive sampling technique. In case of sales decline, MTF implemented a more active marketing strategy based on the components of Kotler's marketing strategy, namely segmenting, targeting and positioning, which had an impact on MTF's sales volume, which increased in 2021 by 34.98% and in 2022 increased by 47%. 77% compared to the previous year. In the case of bad credit and customer default, the solution is to restructure credit according to the customer's condition. This has an impact on the movement of the NPF ratio from 2019 to 2022 under 1%.
POTENSI SENTRA INDUSTRI HALAL KOPI DI DESA JATIARJO DALAM PERSPEKTIF MAQASHID SYARIAH Rosa, Amelia; Khayati, Ismatul
Jurnal Ekonomi dan Bisnis (EK dan BI) Vol 7 No 2 (2024)
Publisher : Politeknik Bisnis Indonesia

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.37600/ekbi.v7i2.1677

Abstract

The halal industry is an economic sector related to the provision of products and services based on halal principles in Islam. Jatiarjo Village is known as one of the coffee producers. This study aims to explore the potential of the halal industry in Jatiarjo Village through coffee commodities, which is expected to increase the income and welfare of the local community. This research is a qualitative study using primary data obtained through field observations and in-depth interviews with selected informants. The results showed that the people of Jatiarjo Village, especially coffee business actors, felt that the potential of the halal industry from coffee commodities was very large in increasing their employment opportunities, income and welfare.
Islamic Business Ethics in Buying and Selling Transactions at Pabean Market, Sedati, Sidoarjo Khayati, Ismatul; Firdaus, Muhammad Fakhri Allam
El-Mal: Jurnal Kajian Ekonomi & Bisnis Islam Vol. 6 No. 10 (2025): El-Mal: Jurnal Kajian Ekonomi & Bisnis Islam
Publisher : Intitut Agama Islam Nasional Laa Roiba Bogor

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.47467/elmal.v6i10.9979

Abstract

                Islamic business ethics is a fundamental foundation in shaping economic behavior that is in line with sharia values. This study aims to analyze the application of Islamic business ethics principles in buying and selling transactions at Pabean Market, Sedati, Sidoarjo. The market, initially designed as a tourist market offering Sidoarjo’s local products, has increasingly functioned as a traditional market serving the daily needs of the surrounding community. The research employed a qualitative descriptive approach with a case study design. Informants consisted of five traders and five buyers selected through purposive sampling. Data were collected through in-depth interviews, observation, and documentation, and analyzed using Miles and Huberman’s interactive model, which includes data reduction, data display, and conclusion drawing. Data validity was ensured through source triangulation and member checking. The findings indicate that the implementation of Islamic business ethics in Pabean Market is relatively satisfactory, particularly in the principles of equilibrium, free will, and responsibility. Traders generally sell their products honestly, do not coerce buyers, provide fair services, and are willing to replace defective goods. However, the principles of unity (tauhid) and benevolence (ihsan) have not been fully practiced. This is evident in the inconsistency of some traders in performing obligatory prayers on time and the limited application of benevolence, such as granting credit or showing additional kindness, which tends to be reserved for loyal customers. This study emphasizes the necessity of internalizing Islamic ethical values in every business activity, as they not only strengthen consumer trust and loyalty but also bring spiritual blessings to business actors. Thus, the implementation of Islamic business ethics supports business sustainability while also contributing positively to social welfare and the continuity of the local economy.
Islamic Business Ethics in Buying and Selling Transactions at Pabean Market, Sedati, Sidoarjo Khayati, Ismatul; Firdaus, Muhammad Fakhri Allam
El-Mal: Jurnal Kajian Ekonomi & Bisnis Islam Vol. 6 No. 10 (2025): El-Mal: Jurnal Kajian Ekonomi & Bisnis Islam
Publisher : Intitut Agama Islam Nasional Laa Roiba Bogor

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.47467/elmal.v6i10.9979

Abstract

                Islamic business ethics is a fundamental foundation in shaping economic behavior that is in line with sharia values. This study aims to analyze the application of Islamic business ethics principles in buying and selling transactions at Pabean Market, Sedati, Sidoarjo. The market, initially designed as a tourist market offering Sidoarjo’s local products, has increasingly functioned as a traditional market serving the daily needs of the surrounding community. The research employed a qualitative descriptive approach with a case study design. Informants consisted of five traders and five buyers selected through purposive sampling. Data were collected through in-depth interviews, observation, and documentation, and analyzed using Miles and Huberman’s interactive model, which includes data reduction, data display, and conclusion drawing. Data validity was ensured through source triangulation and member checking. The findings indicate that the implementation of Islamic business ethics in Pabean Market is relatively satisfactory, particularly in the principles of equilibrium, free will, and responsibility. Traders generally sell their products honestly, do not coerce buyers, provide fair services, and are willing to replace defective goods. However, the principles of unity (tauhid) and benevolence (ihsan) have not been fully practiced. This is evident in the inconsistency of some traders in performing obligatory prayers on time and the limited application of benevolence, such as granting credit or showing additional kindness, which tends to be reserved for loyal customers. This study emphasizes the necessity of internalizing Islamic ethical values in every business activity, as they not only strengthen consumer trust and loyalty but also bring spiritual blessings to business actors. Thus, the implementation of Islamic business ethics supports business sustainability while also contributing positively to social welfare and the continuity of the local economy.
Co-Authors agustin, riska Firdaus, Muhammad Fakhri Allam Rosa, Amelia Siti Kalimah