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Perspektif Imam Al-Ghazali dan Ibn Taimiyah dalam Konsep Mekanisme Pasar dan Penetapan Harga terhadap Perekonomian Islam Tambunan, Ria Tifanny; Hendra, Hendra
MODELING: Jurnal Program Studi PGMI Vol 10 No 3 (2023): September
Publisher : Program Studi PGMI Sekolah Tinggi Ilmu Tarbiyah Nahdlatul Ulama Al Hikmah Mojokerto

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.69896/modeling.v10i3.1809

The market has an ultimate level of economics. Islam considers the existence of a market mechanism to ensure that the market can move to be perfect. However, the fact is that there are often market distortions caused by the behavior of sellers. So Islam sees the importance of government intervention in price fixing. The benefit of this research is to examine the concept of market mechanisms and price fixing in the Islamic economy from the perspective of Imam Al-Ghazali and Ibn Taimiyah. The conceptual thinking of the market mechanism according to Imam Al-Ghazali, especially the factors that influence and based on this price theory on the market mechanism due to the law of supply and demand. Al-Ghazali explained that the government's duty is to oversee the market so that a fair and free market is created. According to Al-Ghazali, price fixing obtains maslahah hajiyyah, that is, everything that makes people feel comfortable when their needs are originally fulfilled. Ibn Taimiyah explained that prices are determined by supply and demand. There are problems where prices are increased due to imbalances and imbalances in the market mechanism, the government can intervene in prices. However, if prices rise/fall naturally in a normal situation, the government has no right at all to set prices.

Analisis Strategi Segmentasi, Targeting dan Positioning (STP) Dalam Meningkatkan Pemasaran Produk Tabungan Smart IB Makbul Pada Nasabah Bank Sumut Syariah Simpang Kayu Besar Tambunan, Ria Tifanny
Jurnal Ilmiah Ekonomi Islam Vol 10, No 1 (2024): JIEI : Vol.10, No.1, 2024
Publisher : ITB AAS INDONESIA Surakarta

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.29040/jiei.v10i1.13880

It cannot be denied that the economy must develop in accordance with the rapid development of the times. One of them is in the financial sector, where Islamic financial institutions are considered important and capable of overcoming the current economic crisis. The sharia banking industry in Indonesia continues to grow, one of the factors being the majority of Muslims. This situation convinced the Indonesian people of the importance of sharia in the economy and then established financial institutions to open banks with the aim of being able to provide the best to the community. In recent years, the banking industry has witnessed significant growth in demand for Islamic financial products. Of the many banking institutions that issue financial products including Hajj savings products, Bank Sumut Syariah is one of the sharia banking institutions that issues various financial products in accordance with sharia principles, one of the financial products developed by Bank Sumut Syariah is Savings Hajj. This research uses a qualitative research method with a descriptive approach. The results of this research, Bank Sumut Syariah Kcp Simpang Kayu Besar used geographic, demographic and behavioral segmentation. The target market applied uses Differentiated marketing with a relationship marketing approach. Furthermore, the positioning applied at Bank Sumut Syariah Kcp Syariah is by placing the product in a way that builds a positive image, builds customer trust and emphasizes the superiority of the Smart Ib Makbul Savings product.

Tantangan dan Strategi Perbankan Dalam Menghadapi Perkembangan Transformasi Digitalisasi di Era 4.0 Tambunan, Ria Tifanny; Padli Nasution, M. Irwan
Sci-tech Journal Vol. 2 No. 2 (2023): Sci-tech Journal (STJ)
Publisher : MES Bogor

The purpose of this research is to study the current Industrial Revolution 4.0 which will affect major changes in digital technology. Digitalization can affect the development of various industries very quickly. One of them is the growing business sector more efficiently and effectively. Therefore, technological advances in the business world can encourage the business world to continue to innovate and launch new products so as not to be eroded by time. Digital transformation is not just a transition from traditional banking to a digital world, it is a major shift in how banks and other financial institutions learn, interact and satisfy their customers. Digital transformation begins with understanding digital customer behavior, likes and dislikes, and the shifts that lead to major organizational shifts from product-centric to customer-centric. Banking needs in this digital era are everywhere at any time. Therefore, banking needs innovation, resilience, security, optimization, and drive to meet the demands of tech-savvy customers. If a bank does not meet customer needs, customers are willing to move to another bank that meets their needs. Keywords: Digitalization, Islamic Banking, Revolution 4.0

Analisis Strategi Pemasaran Produk Tabungan Smart IB (Studi Kasus Kcp Bank Sumut Syariah Simpang Kayu Besar) Anggraini, Tuti; Tambunan, Ria Tifanny
Innovative: Journal Of Social Science Research Vol. 3 No. 5 (2023): Innovative: Journal of Social Science Research
Publisher : Universitas Pahlawan Tuanku Tambusai

Show Abstract | Download Original | Original Source | Check in Google Scholar

Pesatnya pertumbuhan Perbankan Syariah menghasilkan persaingan sengit dalam industri perbankan. Tidak hanya persaingan antara Perbankan Syariah dengan Perbankan Konvensional, tetapi juga antara bank-bank Syariah itu sendiri dalam mencari penghasilan mereka masing-masing. Setiap perbankan berusaha dengan sungguh-sungguh menciptakan inovasi produk agar dapat menjadi yang terbaik dalam upaya meningkatkan penerimaan dana dari masyarakat melalui tabungan. Metode yang digunakan pada peneitian ini adalah metode kualitatif. Metode Kualitatif merupakan penelitian yang menjelaskan data berupa kata-kata tertulis atau lisan dari seseorang yang perilakunya diamati. PT. Bank Sumut Kantor Cabang Pembantu Syariah Simpang Kayu Besar merupakan salah satu bank yangg berlomba-lomba dalam mendapatkan pendapatannya dengan membuat suatu produk tabungan Smart iB yang merupakan salah satu produk tabungan yang unggul di bank tersebut dan menggunakan prinsip Mudharabah Mutlaqah dimana akad mudharabah yang memberikan kebebasan penuh kepada mudharib dalam mengelola modal yang diberikan oleh shahibul mal. Tabungan Smart iB ini menggunakan nisbah atau bagi hasil yang nantinya akan disepakati bersama.

Perspektif Imam Al-Ghazali dan Ibn Taimiyah dalam Konsep Mekanisme Pasar dan Penetapan Harga terhadap Perekonomian Islam Tambunan, Ria Tifanny; Hendra, Hendra
MODELING: Jurnal Program Studi PGMI Vol. 10 No. 3 (2023): September
Publisher : Program Studi PGMI Sekolah Tinggi Ilmu Tarbiyah Nahdlatul Ulama Al Hikmah Mojokerto

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.69896/modeling.v10i3.1809

The market has an ultimate level of economics. Islam considers the existence of a market mechanism to ensure that the market can move to be perfect. However, the fact is that there are often market distortions caused by the behavior of sellers. So Islam sees the importance of government intervention in price fixing. The benefit of this research is to examine the concept of market mechanisms and price fixing in the Islamic economy from the perspective of Imam Al-Ghazali and Ibn Taimiyah. The conceptual thinking of the market mechanism according to Imam Al-Ghazali, especially the factors that influence and based on this price theory on the market mechanism due to the law of supply and demand. Al-Ghazali explained that the government's duty is to oversee the market so that a fair and free market is created. According to Al-Ghazali, price fixing obtains maslahah hajiyyah, that is, everything that makes people feel comfortable when their needs are originally fulfilled. Ibn Taimiyah explained that prices are determined by supply and demand. There are problems where prices are increased due to imbalances and imbalances in the market mechanism, the government can intervene in prices. However, if prices rise/fall naturally in a normal situation, the government has no right at all to set prices.

Analisis Strategi Segmentasi, Targeting dan Positioning (STP) Dalam Meningkatkan Pemasaran Produk Tabungan Smart IB Makbul Pada Nasabah Bank Sumut Syariah Simpang Kayu Besar Tambunan, Ria Tifanny
Jurnal Ilmiah Ekonomi Islam Vol. 10 No. 1 (2024): JIEI : Vol.10, No.1, 2024
Publisher : ITB AAS INDONESIA Surakarta

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.29040/jiei.v10i1.13880

It cannot be denied that the economy must develop in accordance with the rapid development of the times. One of them is in the financial sector, where Islamic financial institutions are considered important and capable of overcoming the current economic crisis. The sharia banking industry in Indonesia continues to grow, one of the factors being the majority of Muslims. This situation convinced the Indonesian people of the importance of sharia in the economy and then established financial institutions to open banks with the aim of being able to provide the best to the community. In recent years, the banking industry has witnessed significant growth in demand for Islamic financial products. Of the many banking institutions that issue financial products including Hajj savings products, Bank Sumut Syariah is one of the sharia banking institutions that issues various financial products in accordance with sharia principles, one of the financial products developed by Bank Sumut Syariah is Savings Hajj. This research uses a qualitative research method with a descriptive approach. The results of this research, Bank Sumut Syariah Kcp Simpang Kayu Besar used geographic, demographic and behavioral segmentation. The target market applied uses Differentiated marketing with a relationship marketing approach. Furthermore, the positioning applied at Bank Sumut Syariah Kcp Syariah is by placing the product in a way that builds a positive image, builds customer trust and emphasizes the superiority of the Smart Ib Makbul Savings product.

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