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All Journal Jurnal Inovasi Teknologi Pendidikan EKOMBIS REVIEW: Jurnal Ilmiah Ekonomi dan Bisnis Jurnal Ilmiah Ekonomi Islam AKSIOLOGIYA : Jurnal Pengabdian Kepada Masyarakat Perisai : Islamic Banking and Finance Journal Maqasid: Jurnal Studi Hukum Islam Jurnal Masharif al-Syariah: Jurnal Ekonomi dan Perbankan Syariah Jurnal Ekonomi Islam SELAPARANG: Jurnal Pengabdian Masyarakat Berkemajuan Al Qalam: Jurnal Ilmiah Keagamaan dan Kemasyarakatan Martabe : Jurnal Pengabdian Kepada Masyarakat Jesya (Jurnal Ekonomi dan Ekonomi Syariah) BALANCE: Economic, Business, Management and Accounting Journal Al Maal: Journal of Islamic Economics and Banking Jurnal ABDINUS : Jurnal Pengabdian Nusantara Humanism : Jurnal Pengabdian Masyarakat Al-Sharf: Jurnal Ekonomi Islam Multidiciplinary Output Research for Actual and International Issue (Morfai Journal) Jurnal Serambi Abdimas Society: Jurnal Pengabdian Masyarakat Borobudur Journal on Legal Services Jurnal Edukasi dan Pengabdian kepada Masyarakat (JEPKM) Jurnal Ekonomi Islam Al-Kharaj: Jurnal Ekonomi, Keuangan & Bisnis Syariah Engagement: Jurnal Pengabdian Kepada Masyarakat Journal of Community Service: In Economic, Business, and Islamic Finance
Fatkur Huda
Muhammadiyah University Of Surabaya
Religion Agriculture, Biological Sciences & Forestry Arts Humanities Astronomy Chemical Engineering, Chemistry & Bioengineering Civil Engineering, Building, Construction & Architecture Computer Science & IT Control & Systems Engineering Decision Sciences, Operations Research & Management Economics, Econometrics & Finance Education Energy Engineering Environmental Science Health Professions Industrial & Manufacturing Engineering Languange, Linguistic, Communication & Media Law, Crime, Criminology & Criminal Justice Library & Information Science Materials Science & Nanotechnology Medicine & Pharmacology Nursing Public Health Social Sciences Other

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Gold Pawn Marketing Strategy to Increase the Number of Customers at Bank Syariah Indonesia KCP Rungkut 1 Permatasari, Intan; Maftuhah, Rifa’atul; Huda, Fatkur
Al Qalam: Jurnal Ilmiah Keagamaan dan Kemasyarakatan Vol. 20, No. 1 : Al Qalam (January 2026 - Special Edition: Islamic Studies)
Publisher : Sekolah Tinggi Ilmu Al-Qur'an (STIQ) Amuntai Kalimantan Selatan

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.35931/aq.v20i1.6166

Abstract

This study aims to analyze the marketing strategy of the gold pawning product (rahn) at BSI KCP Rungkut 1 and its impact on the increase in the number of customers. Using a qualitative approach with a case study method, data were collected through interviews with internal bank representatives. The research findings indicate that the marketing strategies implemented encompass the 7Ps of marketing: a sharia-based product, competitive pricing without interest, active promotion through social media and direct visits to markets ("market raids"), as well as fast, transparent services guided by the AKHLAK values. These strategies have successfully attracted new customers, particularly from the MSME sector and housewives. The number of customers increased from 300 in 2023 to 425 in 2024. This proves that an effective marketing strategy, based on community engagement and sharia principles, can enhance customer trust and loyalty toward the gold pawning product.
Penguatan Literasi Seni dan Pelestarian Budaya melalui Program Edukreatif di Desa Wisata Watungkal Edupark Sendangagung Huda, Fatkur; Sholikin, Ahmad; Ummah, Rahila Amanatul
Jurnal ABDINUS : Jurnal Pengabdian Nusantara Vol 10 No 2 (2026): Volume 10 Nomor 2 Tahun 2026
Publisher : Universitas Nusantara PGRI Kediri

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.29407/ja.v10i2.27162

Abstract

Program pengabdian masyarakat berbasis Edukreatif di Desa Wisata Watungkal Edupark Sendangagung (WES) bertujuan memperkuat literasi seni, pelestarian budaya, dan daya saing ekonomi lokal. Desa ini memiliki potensi kerajinan, kuliner tradisional, dan atraksi budaya, namun masih menghadapi kendala pada mutu produk, kelembagaan, dan pemasaran digital. Program dilaksanakan melalui sosialisasi, pelatihan produksi, manajemen, dan pemasaran, pendampingan intensif, serta penerapan teknologi tepat guna berupa platform e-commerce. Hasil kegiatan menunjukkan peningkatan kualitas produk (skor rata-rata naik dari 3,7 menjadi 4,6), tersusunnya SOP dan struktur kelembagaan desa wisata, serta meningkatnya literasi digital masyarakat melalui pemanfaatan media sosial dan wespeken.web.id. Dampak sosial-ekonomi terlihat dari bertambahnya keterampilan UMKM, meningkatnya partisipasi pemuda, dan terbukanya akses pasar yang lebih luas. Program ini menunjukkan bahwa integrasi seni, budaya, dan digitalisasi efektif dalam membangun model pemberdayaan desa wisata yang berkelanjutan.
Analysis of Customer Feasibility Classification Using the 5C1S Principle to Obtain Hasanah House Financing at BSI KCP Sidoarjo Krian Sari, Yuliana Permata; Setiyowati, Arin; Huda, Fatkur
Al Qalam: Jurnal Ilmiah Keagamaan dan Kemasyarakatan Vol. 20, No. 2 : Al Qalam (March 2026)
Publisher : Sekolah Tinggi Ilmu Al-Qur'an (STIQ) Amuntai Kalimantan Selatan

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.35931/aq.v20i2.5361

Abstract

The high demand for housing among the public has led to a significant increase in the need for home financing, making the role of Islamic financial institutions crucial in providing financing solutions that align with Islamic principles. Bank Syariah Indonesia (BSI), through its Griya Hasanah product, offers home ownership financing that is free from interest (riba) and based on Sharia contracts. However, the growing demand also heightens the potential risk of problematic financing, necessitating a strict and accurate classification of customer eligibility. This study aims to analyze the application of the 5C+1S principles in assessing the eligibility of customers for Griya Hasanah financing at BSI KCP Sidoarjo Krian. The method used is qualitative with a case study approach, employing in-depth interviews with the marketing team and Business Operational Staff (BOSM), along with data triangulation through financing documents and field observations. The findings reveal that the implementation of the 5C+1S principles (Character, Capacity, Capital, Collateral, Condition of Economy, and Sharia Compliance) contributes significantly to reducing the risk of problematic financing. The principles of Character and Capacity carry the highest assessment weight, as they are directly related to the customer's integrity and repayment ability. Meanwhile, the Sharia aspect serves as the main differentiator from conventional financial institutions, ensuring that all financing processes adhere to Islamic values.
Analysis Of Junior Savings Marketing Strategy At BSI KCP Surabaya Rungkut 1: Perspective Sharia Marketing Ahmad Mubarroq Dawam; Fatkur Huda; Rukhul Amin
EKOMBIS REVIEW: Jurnal Ilmiah Ekonomi dan Bisnis Vol 14 No 1 (2026): Januari
Publisher : UNIVED Press

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.37676/ekombis.v14i1.9022

Abstract

This study aims to analyze the marketing strategy of the Junior Savings product at BSI KCP Surabaya Rungkut 1 from a sharia marketing perspective. This study primarily focuses on identifying the types and models of marketing strategies used and assessing the effectiveness of these approaches in attracting child customers. This study used qualitative methods by conducting in-depth interviews with individuals associated with BSI. The research findings indicate that BSI KCP Surabaya Rungkut 1 implements a marketing strategy through the 7P approach (Product, Price, Place, Promotion, People, Process, Physical Evidence) that aligns with sharia principles. This strategy includes collaboration with educational institutions, online promotions using text messages, involvement in children's events, and financial education presented in an engaging and educational manner. The use of the auto-debit feature and financial literacy activities from an early age are added value in fostering savings habits in children in accordance with Islamic teachings. Sharia marketing is reflected in an approach that emphasizes honesty, openness, trustworthiness, and blessings in every marketing step taken. Despite increasing public interest, challenges remain, such as limited digital access and a lack of public awareness of the importance of savings for children. Therefore, strengthening digital innovation, increasing financial literacy, and developing more flexible contracts are strategic steps to strengthen the marketing of Junior Savings in the future.
Inklusi Keuangan Syariah Bagi Penyandang Disabilitas dalam Perspektif Maqashid Syariah Fatkur Huda Fatkur; Dikky Syadqomullah Syadqomullah; Anzal Atsmara Azis Azis
Al-Kharaj: Jurnal Ekonomi, Keuangan & Bisnis Syariah Vol. 8 No. 3 (2026): Al-Kharaj: Jurnal Ekonomi, Keuangan & Bisnis Syariah
Publisher : Intitut Agama Islam Nasional Laa Roiba Bogor

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.47467/alkharaj.v8i3.11529

Abstract

                Financial inclusion is an important element in equitable economic development. However, people with disabilities still face obstacles in accessing Islamic financial services. In fact, the Islamic financial system based on the principles of al-'adl (justice) and maṣlaḥah (benefit) is in line with the goal of Maqāṣid al-Syarī'ah to protect property (hifz al-mal), soul (hifz al-nafs), and human dignity (ḥifẓ al-'irdh). This study aims to analyze the inclusion of Islamic finance for people with disabilities in Indonesia through a literature review (library research) with a qualitative descriptive approach to legal sources, scientific literature, and regulatory agency reports. The results of the study show that despite regulations such as Law No. 8 of 2016, the Compilation of Sharia Economic Law (KHES), and POJK No. 6/POJK.07/2022, the application of Maqāṣid al-Syarī'ah values in Islamic financial services has not been optimal due to the limitations of inclusive infrastructure, low literacy, and the absence of specific technical guidelines. This research emphasizes the need to integrate the principles of Maqāṣid al-Syarī'ah in digital policies, regulations, and innovations in order to realize an inclusive and socially just Islamic financial system.
Co-Authors Aditya, Febrian Agus Budiman Agus Budiman Ahmad Mubarroq Dawam Ahmad Sholikin Ahmad, Resha Amin, Rukhul Anzal Atsmara Azis Azis Betty Ariani Choliq, Idham Dede Nasrullah Dewi, Wahyu Surya kartika Dian Berkah Eka Putri, Dheyani Farida Pulansari Fery Efendi, Junaidi Firdiana, Rizka Farah Hidayah, Nadiyah Rizqa Hidayah, Shesfi Nur Holy Ichda Wahyuni Hozaini, Imron Ichda Wahyuni, Holy Idham Choliq Intan Permatasari Iskandar Ritonga Iswandi, Galih Utama Junaidi Fery Efendi Krisdianto Sugiyanto Latifah, Luluk Latifah Luluk Latifah M Febriyanto Firman Wijaya M. Febrianto Wijaya M. Lathoif Ghozali Ma'ruf Sya'ban Maftuhah, Rifa’atul Moh. Yusron Nadid, Erdin Nanda Pratiwi, Danisa Phatriakalista Intan Apsari Ratih Puspitaningrum Rismawati Rismawati Rukhul Amin Salman Al Farisi Salman Al Farisi, Salman Salsabilla, Salma Nadia Saputra, Fathi Fathurrahman Sari, Yuliana Permata Sembiring, Rinawati Setiyowati, Arin Setiyowati, Arin Shesfi Nur Hidayah Solly Aryza Sukadiono, Sukadiono Sya'roni, Mohammad Syadqomullah, Dikky Thoat Stiawan Ummah, Rahila Amanatul Wijaya, M. Febrianto