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All Journal al-Afkar, Journal For Islamic Studies Jurnal Dinamika Ekonomi Syariah Bulletin of Community Engagement
Annikmah Farida
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Religion Arts Humanities Economics, Econometrics & Finance Education Social Sciences Other

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Analisa Strategi Pemasaran Produk Layanan Emas Prespektif Syariah Marketing di Bank Syariah Indonesia Kantor Cabang Bandar Jaya Siswoyo; M. Muslih; Annikmah Farida; Nur Alfi Khotamin; Rita Rahmawati; Eka Nurzannah; Uswatun Hasanah; Ika Trisnawati A; Ikhwanudin
Bulletin of Community Engagement Vol. 4 No. 3 (2024): Bulletin of Community Engagement
Publisher : CV. Creative Tugu Pena

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.51278/bce.v4i3.1398

Abstract

Along with the development of sharia-based financial institutions, the products offered are also developing, where currently sharia banking not only offers savings and financing products but also offers many other products such as gold pawning and gold installments. The reason for conducting this research is because this gold service product is classified as a new product and customer interest in applying for this product increases every year. To research and process the data in this research, the researcher used a qualitative approach method with the type of research being descriptive. The subject collection technique uses a purposive method. Data analysis uses descriptive methods. Where the data collection technique uses observation, documentation and interview methods. The results of this research state that: Marketing strategy for gold service products at Bank Syariah Indonesia KC. Bandar Jaya carries out the process of dividing markets, determining targets and continuing with the promotion process by introducing products and prices and improving service quality by implementing sharia principles such as justice, trustworthiness and communicativeness. Marketing strategy for gold service products at Bank Syariah Indonesia KC. Bandar Jaya's sharia marketing perspective is in accordance with marketing sharia which consists of: View Market Universally (segmentation), Target customer's heart and soul (targeting), Build a belief system (positioning). As well as implementing sharia principles in the form of fairness, trust and communication.  
Dynamics of Gono-Gini Property in Marriage: A Comparative Analysis of Indonesian Civil Law, Islamic Family Law, and Javanese Customary Law Khoirul Dwi Safe’i; Ghozel Indrawan; Hamdan Arifin; Nike Ade Anggaeni; Abid Assidiqi Zahra; Fayyad Akram; Annikmah Farida
al-Afkar, Journal For Islamic Studies Vol. 9 No. 2 (2026)
Publisher : Perkumpulan Dosen Fakultas Agama Islam Indramayu

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.31943/afkarjournal.v9i2.3189

Abstract

The concept of harta gono-gini (joint marital property) constitutes a fundamental pillar of Indonesian family law, reflecting principles of economic justice and shared responsibility between spouses. This study aims to comparatively analyze the regulation and implementation of joint property within three major legal systems operating in Indonesia, namely Indonesian Civil Law, Islamic Family Law, and Javanese Customary Law. Using a normative legal research method supported by limited empirical data, this research examines statutory provisions, legal doctrines, court decisions, and living customary norms related to marital property.The findings reveal that all three legal systems substantively recognize joint property as assets acquired during marriage through the mutual contribution of husband and wife. However, significant differences emerge in their philosophical foundations and mechanisms of distribution. Indonesian Civil Law emphasizes formal legal certainty and tends to apply an equal division principle, while Islamic Family Law prioritizes proportional justice based on both economic and non-economic contributions. Meanwhile, Javanese Customary Law focuses on social harmony, moral values, and contextual fairness, often resolving disputes through family deliberation rather than formal litigation.The coexistence of these legal systems illustrates Indonesia’s legal pluralism, which creates both opportunities for contextual justice and challenges in the form of legal disharmony and jurisdictional overlap. This study concludes that legal pluralism in joint property regulation should be viewed as a legal asset rather than an obstacle. Therefore, an integrative approach to harmonizing national family law is necessary to ensure legal certainty while accommodating substantive justice aligned with Indonesia’s socio-cultural diversity.
EVALUATING THE EFFECTIVENESS OF MURABAHAH FINANCING IN PROMOTING MSME DEVELOPMENT Muhammad Aulia Rohman; Annikmah Farida; Nur Alfi Khotamin
Jurnal Dinamika Ekonomi Syariah Vol. 13 No. 2 (2026): Jurnal Dinamika Ekonomi Syariah
Publisher : Program Studi Ekonomi Syariah, Universitas Pangeran Diponegoro Nganjuk

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.53429/jdes.v13i2.2334

Abstract

This research is motivated by the importance of Islamic financing in supporting the growth of micro, small, and medium enterprises (MSMEs), particularly through the Murabahah contract, which is the flagship product at BMT Asy-Syafi’iyah Kota Gajah. Murabahah financing is considered capable of providing affordable, transparent, and Sharia-compliant capital solutions, thus requiring an evaluation of its implementation effectiveness for MSME actors. This study aims to determine the extent to which Murabahah financing contributes to business development, ease of access to financing, and the suitability of fund usage with business needs. The research method used is a qualitative approach with a descriptive design. Data were collected through in-depth interviews, observation, and documentation, with informants consisting of the head of BMT, account officers, and Murabahah financing customers. Data analysis was conducted through reduction, presentation, and conclusion drawing, with triangulation as the validation technique. The results show that Murabahah financing at BMT Asy-Syafi’iyah Kota Gajah effectively increases business turnover, expands production capacity, and facilitates working capital for MSME actors. Easy application procedures, direct mentoring, and the alignment of funds with business needs are the main supporting factors for the effectiveness of this financing. Thus, Murabahah financing is proven to play a positive role in empowering MSMEs sustainably
Co-Authors Abid Assidiqi Zahra Eka Nurzannah Fayyad Akram Ghozel Indrawan Hamdan Arifin Ika Trisnawati A Ikhwanudin Khoirul Dwi Safe’i M. Muslih Muhammad Aulia Rohman Nike Ade Anggaeni Nur Alfi Khotamin Rita Rahmawati SISWOYO USWATUN HASANAH