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All Journal JURNAL PENDIDIKAN TAMBUSAI Majapahit Journal of Islamic Finance dan Management Majapahit Journal of Islamic Finance dan Management
Fakhri, Muhammad Hafizhan
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Decision Sciences, Operations Research & Management Economics, Econometrics & Finance Social Sciences

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Analisis Kepercayaan terhadap Perbankan Nasution, Hastiani; Fakhri, Muhammad Hafizhan; Jambak, Putri Andriani; Batubara, Maryam
Jurnal Pendidikan Tambusai Vol. 8 No. 2 (2024)
Publisher : LPPM Universitas Pahlawan Tuanku Tambusai, Riau, Indonesia

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Abstract

Tujuan penelitian berupa untuk menganalisis percayaan terhadap perbankan di Indonesia. Penelitian ini menggunakan penelitian deskriptif pendekatan kualitatif. Krisis kepercayaan muncul ketika masyarakat merasa dana dan kepentingan mereka di bank tidak lagi terjamin dan aman. Kepercayaan adalah modal utama bagi industri perbankan. Dampak krisis terhadap kepercayaan perbankan berupa penarikan dana besar-besaran, penurunan investasi, penurunan pertumbuhan ekonomi dan laju inflasi yang tinggi. Cara menanggulangi krisis terhadap kepercayaan perbankan oleh pemerintah yaitu Menjaga stabilitas sistem keuangan,memperkuat pengawasan perbankan. Kebijakan pemerintah dalam menanggulangi kejadian moneter pada krisis kepercayaan perbankan: menyediakan likuiditas darurat bagi bank. Cara penanggulangan kejadian moneter pada krisis kepercayaan perbankan dalam konteks ekonomi Islam: memaksimalkan penghimpunan zakat , mengenakan biaya atas dana yang menganggur, menggunakan prinsip bagi hasil pada setiap transaksi atau segala jenis usaha dan meninggalkan bunga. Kebijakan pemerintah dalam pandangan ekonomi Islam terkait penyebab kejadian moneter pada krisis kepercayaan perbankan. Kebijakan yang dapat dilakukan pemerintah berdasarkan perspektif ekonomi Islam ialah dengan memperhatikan beberapa aspek–aspek berikut: Kesejahteraan ekonomi dengan kesempatan kerja penuh dan laju pertumbuhan “Optimal”, keadilan sosial ekonomi dan distribusi pendapatan dan kekayaan yang merata, stabilitas nilai uang.
Golden Gallery's Business Development Strategy Based on Sharia Financing Needs through Partnerships and a Marketing Mix of Services Fakhri, Muhammad Hafizhan; Nawawi, Zuhrinal M; Anggraini, Tuti
Majapahit Journal of Islamic Finance and Management Vol. 6 No. 1 (2026): Islamic Finance and Management
Publisher : Universitas KH. Abdul Chalim Mojokerto

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.31538/mjifm.v6i1.804

Abstract

This study analyzes the business development of Golden Gallery, an MSME operating in the bridal gown rental service, which faces limited business capacity, particularly in terms of the quantity and variety of its fashion collections amid increasing competition in the wedding service industry. The research focuses on evaluating the service marketing mix, business partnerships, and the feasibility of Islamic financing as strategic efforts to support business expansion. A mixed methods approach with a case study design was employed, utilizing in-depth interviews and consumer questionnaires as supporting data. The findings indicate that Golden Gallery demonstrates strong marketing performance with a high level of customer satisfaction. However, limitations in fashion collections remain a major constraint in meeting market demand. From an Islamic banking perspective, Golden Gallery is considered eligible for financing through a murabahah scheme to enhance business capacity, strengthen competitiveness, and ensure business sustainability. These findings reinforce the importance of Islamic financing approaches that are grounded in the strategic needs of MSMEs rather than solely financial considerations.
Golden Gallery's Business Development Strategy Based on Sharia Financing Needs through Partnerships and a Marketing Mix of Services Fakhri, Muhammad Hafizhan; Nawawi, Zuhrinal M; Anggraini, Tuti
Majapahit Journal of Islamic Finance and Management Vol. 6 No. 1 (2026): Islamic Finance and Management
Publisher : Universitas KH. Abdul Chalim Mojokerto

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.31538/mjifm.v6i1.804

Abstract

This study analyzes the business development of Golden Gallery, an MSME operating in the bridal gown rental service, which faces limited business capacity, particularly in terms of the quantity and variety of its fashion collections amid increasing competition in the wedding service industry. The research focuses on evaluating the service marketing mix, business partnerships, and the feasibility of Islamic financing as strategic efforts to support business expansion. A mixed methods approach with a case study design was employed, utilizing in-depth interviews and consumer questionnaires as supporting data. The findings indicate that Golden Gallery demonstrates strong marketing performance with a high level of customer satisfaction. However, limitations in fashion collections remain a major constraint in meeting market demand. From an Islamic banking perspective, Golden Gallery is considered eligible for financing through a murabahah scheme to enhance business capacity, strengthen competitiveness, and ensure business sustainability. These findings reinforce the importance of Islamic financing approaches that are grounded in the strategic needs of MSMEs rather than solely financial considerations.
Co-Authors Batubara, Maryam Jambak, Putri Andriani Nasution, Hastiani Tuti Anggraini Zuhrinal M. Nawawi