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All Journal Etihad: Journal of Islamic Banking and Finance AL MAQRIZI: Jurnal Ekonomi Syariah dan Studi Islam
Mukaromah, Ni`matul Fitria
Unknown Affiliation
Religion Humanities Economics, Econometrics & Finance Education Social Sciences

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PRODUCT Product and Service Development Strategies on Murabahah Contracts to Improve The Existence of BMT Hasanah Mukaromah, Ni`matul Fitria; Rofiah, Khusniati; Futaqi, Faruq Ahmad
Etihad: Journal of Islamic Banking and Finance Vol. 4 No. 1 (2024)
Publisher : Institut Agama Islam Negeri Ponorogo

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.21154/etihad.v4i1.8962

Abstract

Introduction: Many financial institutions have developed in Ponorogo, conventional and sharia. BMT Hasanah is present as a Sharia microfinance institution that often helps households and UMKM. Even though there is much competition, BMT Hasanah can continue to show its existence. This research aims to determine product and service development strategies, especially in murabahah contracts. Research Methods: This research aims to determine product and service development strategies, especially in murabahah contracts. The research uses a qualitative approach using primary data in the form of interviews and observations and secondary data obtained from archival documents and the internet. Results: The results of this research show that BMT Hasanah is responsive in responding to customer product requests. The murabahah products provided are always up to date with straightforward guarantees. Apart from that, BMT Hasanah provides maximum service in terms of installment payments. Customers are visited using a pick-up system and also serve an installment system by transfer. Conclusion: With this strategy, BMT Hasanah not only increases competitiveness and revenue but also increases customer satisfaction, which ultimately strengthens its existence.
PRODUCT Product and Service Development Strategies on Murabahah Contracts to Improve The Existence of BMT Hasanah Mukaromah, Ni`matul Fitria; Rofiah, Khusniati; Futaqi, Faruq Ahmad
Etihad: Journal of Islamic Banking and Finance Vol. 4 No. 1 (2024)
Publisher : UIN Kiai Ageng Muhammad Besari Ponorogo

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.21154/etihad.v4i1.8962

Abstract

Introduction: Many financial institutions have developed in Ponorogo, conventional and sharia. BMT Hasanah is present as a Sharia microfinance institution that often helps households and UMKM. Even though there is much competition, BMT Hasanah can continue to show its existence. This research aims to determine product and service development strategies, especially in murabahah contracts. Research Methods: This research aims to determine product and service development strategies, especially in murabahah contracts. The research uses a qualitative approach using primary data in the form of interviews and observations and secondary data obtained from archival documents and the internet. Results: The results of this research show that BMT Hasanah is responsive in responding to customer product requests. The murabahah products provided are always up to date with straightforward guarantees. Apart from that, BMT Hasanah provides maximum service in terms of installment payments. Customers are visited using a pick-up system and also serve an installment system by transfer. Conclusion: With this strategy, BMT Hasanah not only increases competitiveness and revenue but also increases customer satisfaction, which ultimately strengthens its existence.
Motif Pola Konsumsi Masyarakat Dibalik Fenomena Fomo MUKAROMAH, NI`MATUL FITRIA; Luhur Prasetiyo
Al-Maqrizi: Jurnal Ekonomi Syariah dan Studi Islam Vol. 3 No. 1 (2025): Al-Maqrizi: Jurnal Ekonomi Syariah dan Studi Islam
Publisher : ekonomi syariah

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.32493/amq.v3i1.45250

Abstract

Pendahuluan: Penelitian ini bertujuan untuk menganalisis motif pola konsumsi masyarakat melalui fenomena FOMO. Analisisnya bisa dipakai pada pengambilan keputusan masyarakat dalam konsumsi apakah sebagai pemenuhan kebutuhan atau sudah mengalami pergeseran makna. Metode penelitian: bersifat kualitatif menganalisis dinamikia pola konsumsi masyarakat melalui fenomena FOMO dengan teori masyarakat konsumsi. Jenis penelitian: penelitian literature dan lapangan. Sebagai sampel adalah GenZ di IAIN Ponorogo karena mereka mewakili masayarakat yang sering terkena FOMO. Data dianalisis menggunakan analisis isi dan kritis. Hasil: Fenomena FOMO sudah menjalar pada dunia kecantikan, style hijab, olahraga, maupun kuliner. Masyarakat terlihat sibuk dalam memenuhi standar hidup seperti apa yang mereka tonton. Beberapa motif pembelian setelah dilakukan wawancara dan observasi ke informan karena FOMO adalah bandwagon effect, virtue signaling, citra diri. Sehingga terdapat pergeseran makna dalam berkonsumsi. Kesimpulan: Meskipun FOMO ini tetap ada dampak positifnya seperti menjadikan manusia dinamis dalam berkonsumsi, serta kreatifitas dan inovasi yang selalu dituntut bertumbuh kembang, namun disi lain jika dalam diri manusia tidak dibentengi dengan ilmu agama yang kuat bisa menyebabkan mereka terjerumus pada pusaran jurang FOMO atau ikut-ikutan yang tidak berkesudahan yang tanpa manfaat.
Co-Authors Futaqi, Faruq Ahmad Khusniati Rofiah Luhur Prasetiyo