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All Journal Al-Muqayyad AT-TIJARAH: Journal Islamic Banking and Finance Research Krigan: Journal of Management and Sharia Business
Aslina, Neri
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Economics, Econometrics & Finance

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SWOT ANALYSIS OF EASY WADI'AH SAVINGS PRODUCTS AT BANK SYARIAH INDONESIA (BSI) RADEN FATAH BRANCH BATAM Aslina, Neri; Maggangka, Mursalin; Iqbal Azhari , Muhammad; Akmal, Randi
AT-TIJARAH: Jurnal Penelitian Keuangan dan Perbankan Syariah Vol. 6 No. 1 (2024): AT-TIJARAH: Jurnal Penelitian Keuangan dan Perbankan Syariah
Publisher : Fakultas Ekonomi dan Bisnis Islam - IAIN Lhokseumawe

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.52490/attijarah.v6i1.3287

Abstract

This research aims to analyze the strengths, weaknesses, opportunities and threats of the Easy Wadi'ah savings product at Bank Syariah Indonesia (BSI) Raden Fatah Batam Branch. The method used in this research is SWOT analysis, which provides a comprehensive framework for evaluating various internal and external factors that influence the performance of this savings product. The analysis results show that the Easy Wadi'ah savings product has several strengths, including superiority in the sharia principles adopted, ease of access and use, and adequate technological support. However, there are also several weaknesses such as limited additional features compared to conventional products and a lack of effective promotion. Opportunities that can be exploited include increasing public awareness of sharia banking products and large market potential in the Batam area. On the other hand, the threats faced include tight competition with savings products from other banks and changes in sharia banking regulations which could affect product operations. By understanding these strengths, weaknesses, opportunities and threats, it is hoped that Bank Syariah Indonesia (BSI) Raden Fatah Batam Branch can formulate appropriate strategies to increase competitiveness and customer loyalty towards Easy Wadi'ah savings products.
Mudharabah: Sustainable Sharia Investment Model Beddu, Muhammad Juni; Eravia, Diana; Nulatifah, Nulatifah; Aslina, Neri; Ruhmah, Andi Amma; Addiningrum, Fitri Mehdini; Azhari, Muhammad Iqbal
AL-Muqayyad Vol. 6 No. 2 (2023): Al-Muqayyad
Publisher : STAI Auliaurrasyidin Tembilahan

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.46963/jam.v6i2.1289

Abstract

Mudharabah is a partnership between capital providers and entrepreneurs, where profits and risks are shared fairly in accordance with Islamic principles. This article aims to investigate the concept of Mudharabah as a sustainable investment model in the context of Sharia finance. A comprehensive review of the literature on Mudarabah and sustainable investment provides in-depth insight into the principles underlying both concepts. Regarding Mudarabah, this article examines its history, evolution and practical implementation in various economic sectors. On the other hand, sustainable investments are analyzed by considering social impacts, the environment and ethical considerations in making investment decisions. The findings of this research indicate that Mudharabah, as a sharia investment model, has significant potential in providing added value to society and the environment. Active participation in Mudharabah-based businesses can encourage economic empowerment, reduce disparities, and create opportunities for small and medium entrepreneurs.
Kontribusi BMT Al-Muhajirin dalam Pengembangan Usaha Mikro Kecil Menengah di Tiban Indah, Kota Batam Aslina, Neri; Eravia, Diana; Siregar, Hasbullah
Krigan: Journal of Management and Sharia Business Vol. 1 No. 1 (2023): Juni 2023
Publisher : Universitas Islam Negeri Sjech M. Djamil Djambek Bukittinggi

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.30983/krigan.v1i1.6484

Abstract

Penelitian ini bertujuan untuk mengetahui peran BMT pada pembiayaan usaha mikro kecil dan menengah di Kota Batam. Penelitian ini bersifat kualitatifdan mengambil lokasi di BMT Al Muhajirin Kelurahan Tiban Indah kecamatan Sekupang Batam. Pengambilan data dilakukan dengan tehnik Obeservasi dan Wawancara yang dilakukan peneliti terhadap Nasabah dan pengelola usaha mikro kecil BMT Al Muhajirin. Hasil penelitian menunjukkan bahwa peran BMT Al-Muhajirin dalam  pengembangan usaha mikro kecil dan menengah di Tiban Indah sudah maksimal, hal ini dibuktikkan dengan dibukanya lapangan pekerjaan diberbagai sektor dan menyerap tenaga kerja sehingga meningkatkan kesejahteraan masyarakat khususnya masyarakat kecil atau kurang mampu. Disamping itu untuk mengembangkan usaha Mikro kecil dan menengah juga dilaksanakan pelatihan-pelatihan bagi para pelaku usaha serta mempermudah pelayanan Pembiayaan di BMT Al-Muhajirin. Kontribusi BMT Al-Muhajirin dalam pengembangan usaha Mikro kecil dan menengah (UMKM) di Tiban Indah Kota Batam sangat dirasakan manfaatnya oleh para pelaku UMKM dan masyarakat kurang mampu yang menjadi pelaku utama usaha tersebut. Bagi masyarakat Kota Batam keberadaan BMT Al Muhajirin merupakan wujud aspirasi masyarakat yang menginginkan kegiatan perekonomian yang berdasarkan prinsip syariah dan diharapkan mampu mengeluarkan masyarakat kecil dari kemiskinan. This study aims to determinetherole of BMT Al-Muhajirin infinancing small and medium businesses in Tiban Indah. BMT Al Muhajirin is the place of this research. This qualitative research uses observation and interviews. Researchers who were directly involved with BMT Al Muhajirin and micro and small business clients conducted observations and interviews. This research shows that the role of UMKM BMT Al-Muhajirin in the development of micro, small and medium enterprises in Tiban Indah has been maximized. This is evidenced by the emergence of jobs in various regions toabsorb labor and improve people's welfare, especially for small or underprivileged communities. BMT Al-Muhajirin helpsthe growth of small and medium businesses through training and ease of financing. One of the reasons why UMKM BMTAl-Muhajirin is very important for the developmentof UMKM in Tiban Indah, Batam City is because the development of UMK Misclo sely related to the poor. Main actor in the company. BMT Al-Muhajirin is one of the sharia financial institutions that emerged as a response to the increasing desire from communities who want to do business with sharia principles to stop small people from poverty. 
Co-Authors Addiningrum, Fitri Mehdini Akmal, Randi Beddu, Muhammad Juni Diana Eravia Muhammad Iqbal Azhari Mursalin Maggangka, Mursalin Nulatifah, Nulatifah Ruhmah, Andi Amma Siregar, Hasbullah