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What is the Model of Sharia Marketing in Islamic Microfinance Institutions? Shulthoni, Muhammad; Hermawan Adinugraha, Hendri; Rumiyati, Eva; Imani, Fathrezza; Achmad, Dliyaudin
Journal of Digital Marketing and Halal Industry Vol 5, No 1 (2023)
Publisher : Fakultas Ekonomi dan Bisnis Islam UIN Walisongo

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.21580/jdmhi.2023.5.1.15351

The rapid growth of BMT in Indonesia has not been matched by good marketing practices in the field. The main problems of BMT are weak funding and tight competition among BMTs. This study aims to describe an analysis of the concept, implementation, and strategy of sharia marketing in BTM Jawa Tengah. This research uses a qualitative descriptive approach using a case study type of research. The object of this research is BTM Jawa Tengah. The primary data for this study is information from interviews, with employees at BTM Jawa Tengah, namely the chairman, marketing department, and cashier. The secondary data of this research are in the form of official documents, books, journals, research results, and other data that are closely related to the subject of this research. Data collection procedures carried out are by way of observation, interviews, and documentation. Data analysis in this qualitative research uses descriptive analysis. The results of this study conclude that in general the concept of Sharia marketing in BTM Jawa Tengah is Sharia-driven or is driven by Sharia as a source of law that is oriented towards meeting the needs and desires of BTM Jawa Tengah consumers and creating value for them as long as it does not conflict with the Qur’an. and Hadith. The implementation of Sharia marketing at BTM Jawa Tengah uses the characteristics of Sharia marketing that uphold fairness, honesty, and transparency regarding margin setting and profit sharing and uses the nine ethical principles of Islamic marketing, which shows that the marketing strategy at BTM Jawa Tengah is appropriate and meets the sharia marketing perspective. The Sharia marketing strategy carried out by BTM Jawa Tengah is by determining product and service market segmentation. BTM Jawa Tengah carries out marketing activities according to the target market. This is done by looking at the needs of prospective customers. The final strategy is to apply to the position and apply traditional, conventional, and Sharia marketing in combination and simultaneously. The theoretical implications of this research can strengthen existing Sharia marketing theories. Practically, the findings of this study serve as a reference for BMT managers who wish to apply the Sharia marketing model.

Investment Decision Analysis of Islamic Bank Listing Indonesia Stock Exchange Through Stock Price Valuation Yudha Pratama, Versiandika; Difa, Farah; Achmad, Dliyaudin
Velocity: Journal of Sharia Finance and Banking Vol 4 No 1 (2024): Mei 2024
Publisher : Universitas Islam Negeri K.H. Abdurrahman Wahid Pekalongan

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.28918/velocity.v4i1.7292

This study aims to determine the intrinsic value (fair price) of Islamic bank stocks listed on the Indonesia Stock Exchange using a relative valuation approach which is then analyzed using two choices of methods, namely the price earning ratio (PER) method or the price to book value (PBV) method. The results of the valuation analysis are then used as guidelines for making investment decisions. This research belongs to the type of descriptive quantitative research with the type of data used is secondary data in the form of historical Islamic bank stock price data for the last 5 years, earning per share (EPS) data, and current book value per share (current BVPS) data, as well as data on the average PER value and the average PBV value of Islamic banks. The results show that BRIS and BTPS stocks valued using the PER method show that bank stocks are undervalued and worth buying. BANK and PNBS shares are valued using PBV because they have negative earnings. The results of the PBV method valuation on the two banks show that BANK and PNBS are classified as undervalued stocks and worth buying.

An Analysis of Bank Syariah Indonesia Digitalization Tiara, Elsa; Achmad, Dliyaudin; Bin Nasarruddin, Razie
Talaa : Journal of Islamic Finance Vol. 3 No. 1: June 2023
Publisher : Department of Sharia Financial Management, Institut Agama Islam Negeri Sultan Amai Gorontalo, Indonesia

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.54045/talaa.v3i1.718

The purpose of this research is to explain how digitalization is happening in Islamic banking, especially Indonesian Islamic Banks. This research method uses a descriptive qualitative approach by describing and analyzing the data obtained. This research model uses character study research that is based on the personality or individual of a character who is considered to have an important role or special event that is written. The results of this research are that Islamic banking, especially Bank Syariah Indonesia, has taken advantage of increasingly sophisticated technological developments by creating digital-based services and products. One of the digital services available at Bank Syariah Indonesia is the BSI Mobile application. BSI Mobile application provides a variety of banking transaction features, including Cardless cash withdrawal service.

Socialization of Personal Financial Management through Basic Accounting Principles among Santriwati Islamic Boarding School Griya Santri Mahabbah Safira, Dinda; Meilani, Ananda; Oktaviani, Wulan; Adinugraha, Hendri Hermawan; Sholihah, Ria Anisatus; Achmad, Dliyaudin
Pengabdian: Jurnal Abdimas Vol. 1 No. 4 (2023)
Publisher : Yayasan Pendidikan Islam Daarut Thufulah

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.55849/abdimas.v1i4.203

Background. Santriwati who are pursuing college education have unique needs and challenges in managing their personal finances. With socialization about financial management, they will realize the consequences of unwise financial decisions and the importance of managing finances well to achieve financial stability in the future. Purpose. The purpose of this community service activity is to provide knowledge about personal financial management based on the basics of accounting for female students at the Griya Santri Mahabbah Islamic Boarding School. This service activity also encourages female students of the Griya Santri Mahabbah Islamic Boarding School to get used to managing personal finances Method. The research method used is the socialization method. The implementation of this service is carried out through three stages: service planning, service implementation, and service evaluation. Results. 10 out of 12 people will try to apply accounting financial records to personal financial management. They will try to keep records of income and expenses for certain periods of their daily lives. As for the two people who don't understand, they haven't tried this financial management, so they can't apply accounting financial records. Conclusion. The socialization activities regarding personal financial management that were carried out at the Griya Santri Mahabbah Islamic Boarding School were carried out smoothly according to plan and even received enthusiasm and a good response from the female students. This socialization activity was carried out to provide information to female students who still had difficulty managing finances. In the future, it is hoped that the community service activities that are currently being carried out can be continued with ongoing activities in the coming year and added material on more in-depth financial management. So that knowledge about financial management can be understood and used as capital for the future of female students in managing better financial planning.

Enhancing the Legal Framework: Optimizing Zakat as an Income Tax Deduction in Indonesia Adinugraha, Hendri Hermawan; Surur, Achmad Tubagaus; Achmad, Dliyaudin
Al-Ahkam: Jurnal Ilmu Syari’ah dan Hukum Vol. 9 No. 2 (2024): Al-Ahkam: Jurnal Ilmu Syari'ah dan Hukum
Publisher : Fakultas Syariah, Universitas Islam Negeri Raden Mas Said Surakarta

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.22515/alahkam.v9i2.10212

This research aims to comprehensively examine the implementation of zakat policy as a deductible component of taxable income in Indonesia. The study adopts a qualitative approach, utilizing primary sources such as the Qur’an, Hadith, Law No. 23/2011 on Zakat Management, and relevant tax regulations. Data were collected through a literature review and analyzed descriptively to interpret and explain the findings. The study concludes that, under positive law, zakat as a deduction from taxable income is governed by Article 22 of Law No. 23/2011, further reinforced by the Indonesian Ulema Council’s Fatwa No. 3 of 2003 on Zakat on Income/Profession. Zakat payments from official institutions such as BAZNAS can be deducted from taxable income. An example of this implementation is in Aceh Province, as stipulated in Article 192 of Law No. 11/2006 on the Government of Aceh. These findings highlight the potential of the zakat policy to alleviate the double burden faced by Muslim taxpayers while fostering economic redistribution. This research contributes by providing recommendations to strengthen the legal framework and enhance public education to maximize the benefits of zakat policy. Such efforts aim to improve tax compliance and promote social welfare through the synergy between tax and zakat systems.

What is the Model of Sharia Marketing in Islamic Microfinance Institutions? Shulthoni, Muhammad; Hermawan Adinugraha, Hendri; Rumiyati, Eva; Imani, Fathrezza; Achmad, Dliyaudin
Journal of Digital Marketing and Halal Industry Vol. 5 No. 1 (2023)
Publisher : Fakultas Ekonomi dan Bisnis Islam UIN Walisongo

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.21580/jdmhi.2023.5.1.15351

The rapid growth of BMT in Indonesia has not been matched by good marketing practices in the field. The main problems of BMT are weak funding and tight competition among BMTs. This study aims to describe an analysis of the concept, implementation, and strategy of sharia marketing in BTM Jawa Tengah. This research uses a qualitative descriptive approach using a case study type of research. The object of this research is BTM Jawa Tengah. The primary data for this study is information from interviews, with employees at BTM Jawa Tengah, namely the chairman, marketing department, and cashier. The secondary data of this research are in the form of official documents, books, journals, research results, and other data that are closely related to the subject of this research. Data collection procedures carried out are by way of observation, interviews, and documentation. Data analysis in this qualitative research uses descriptive analysis. The results of this study conclude that in general the concept of Sharia marketing in BTM Jawa Tengah is Sharia-driven or is driven by Sharia as a source of law that is oriented towards meeting the needs and desires of BTM Jawa Tengah consumers and creating value for them as long as it does not conflict with the Qur’an. and Hadith. The implementation of Sharia marketing at BTM Jawa Tengah uses the characteristics of Sharia marketing that uphold fairness, honesty, and transparency regarding margin setting and profit sharing and uses the nine ethical principles of Islamic marketing, which shows that the marketing strategy at BTM Jawa Tengah is appropriate and meets the sharia marketing perspective. The Sharia marketing strategy carried out by BTM Jawa Tengah is by determining product and service market segmentation. BTM Jawa Tengah carries out marketing activities according to the target market. This is done by looking at the needs of prospective customers. The final strategy is to apply to the position and apply traditional, conventional, and Sharia marketing in combination and simultaneously. The theoretical implications of this research can strengthen existing Sharia marketing theories. Practically, the findings of this study serve as a reference for BMT managers who wish to apply the Sharia marketing model.

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