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All Journal Dimas: Jurnal Pemikiran Agama untuk Pemberdayaan SULUH: Jurnal Abdimas Jurnal Rekayasa Lingkungan Jurnal Ilmu Perbankan dan Keuangan Syariah Jurnal Abdimas Ilmiah Citra Bakti (JAICB) Journal Islamic Economics Ad Diwan Malewa: Journal of Multidisciplinary Educational Research Economics Development Analysis Journal
Warsiyah
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Religion Agriculture, Biological Sciences & Forestry Arts Humanities Chemical Engineering, Chemistry & Bioengineering Chemistry Civil Engineering, Building, Construction & Architecture Computer Science & IT Economics, Econometrics & Finance Education Engineering Environmental Science Languange, Linguistic, Communication & Media Law, Crime, Criminology & Criminal Justice Library & Information Science Mathematics Physics Social Sciences Other

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Journal : Journal Islamic Economics Ad Diwan

 1 
IMPLEMENTASI PEMBIAYAAN BTPN SYARIAH TERHADAP PERKEMBANGAN UMKM DI KRUI LAMPUNG: IMPLEMENTATION OF BTPN SYARIAH FINANCING ON THE DEVELOPMENT OF UMKM IN KRUI LAMPUNG Henda Alpajar; Warsiyah; Noorikha Pandayahesti Saputeri; Eki Tiyas Nurulia
JOURNAL ISLAMIC ECONOMICS AD DIWAN Vol 4 No 2 (2025): AD DIWAN
Publisher : Program Studi Ekonomi Syariah

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.51192/ad.v4i2.1261

Abstract

Micro, Small, and Medium Enterprises (MSMEs) have a strategic role in the Indonesian economy, especially in the Krui Lampung area. However, MSMEs often face capital constraints that hinder their development. BTPN Syariah is present as one of the Islamic financial institutions that focuses on financing the micro segment. This study aims to analyze the implementation of BTPN Syariah financing, measure its impact on the development of MSMEs, and identify obstacles and solutions in the implementation of financing in Krui Lampung. This study uses a descriptive qualitative method with data collection techniques through in-depth interviews, observations, and documentation. Research informant 3 officials of BTPN Syariah Krui. The data was analyzed using data reduction techniques, data presentation, and conclusion drawn. The results of the study show that the implementation of BTPN Syariah financing in Krui Lampung uses murabahah and wakalah contracts with a group system. This financing program has contributed positively to the development of MSMEs, marked by an increase in average business capital of 45%, turnover growth of 35%, and business expansion in 60% of financing customers. The main obstacles faced include limited service coverage, low understanding of sharia products, and the risk of default due to fluctuations in MSME income. The study concluded that BTPN Syariah financing plays an effective role in supporting the development of MSMEs in Krui Lampung, although there are still several challenges in its implementation. It is necessary to increase Islamic financial literacy, expand the range of services, and strengthen business assistance to optimize the impact of financing on the progress of MSMEs in the region
PENGARUH RETORIKA SALES MARKETING INVESTASI EMAS BANK SYARIAH TERHADAP MINAT BERINVESTASI MAHASISWA UNIVERSITAS MUHAMMADIYAH LAMPUNG: THE INFLUENCE OF SALES MARKETING RHETORIC OF SYARIAH BANK GOLD INVESTMENT ON THE INVESTMENT INTEREST OF STUDENTS OF MUHAMMADIYAH UNIVERSITY OF LAMPUNG Eva Intan Komalasari, Murni Lestari; Noorikha Pandayahesti Saputeri; Warsiyah; Eki Tiyas Nurulia
JOURNAL ISLAMIC ECONOMICS AD DIWAN Vol 4 No 2 (2025): AD DIWAN
Publisher : Program Studi Ekonomi Syariah

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.51192/ad.v4i2.1285

Abstract

Gold investment is one of the popular investments and is widely offered today, because the value of gold is stable and zero inflation, and the price of gold tends to increase. Islamic banks are one of the providers of gold investment programs with an installment system using the murabahah contract (buy and sell), but there are still many people including Generation Z who do not believe that gold investment in Islamic banks does not contain usury elements, so sales marketing who work in the sales sector must have good rhetoric so that the information can be conveyed and can be trusted. The purpose of this study is to determine how the rhetoric of sales marketing of Islamic bank gold investment affects the investment interest of students at the University of Muhammadiyah Lampung. The approach in this study is quantitative descriptive and verification, data is obtained through the distribution of questionnaires targeted at students at the University of Muhammadiyah Lampung who have received information about gold investment in Islamic banks, and to process the data the tool used is SPSS version. The results of this study indicate that there is an influence of 64.5% of the rhetoric variable (X) on the interest variable (Y), as well as the results of the t-test also state that the rhetoric variable has a simultaneous (significant) influence on the interest variable, and it can be concluded that Ha is accepted and H0 is rejected or there is an influence of the rhetoric variable (X) on the interest variable (Y), meaning that the rhetoric of sales marketing of Islamic bank gold investment is one of the things that influence the investment interest of students at the University of Muhammadiyah Lampung.
Co-Authors A'la, Miftachul Adinda, Niken Afrida, Yenni Agus Faisal Asyha Agus Irfan, Agus Arifin, Finaty Basuki Eki Tiyas Nurulia Eva Intan Komalasari, Murni Lestari Fakhrurozi rozi Henda Alpajar HUSNUL KHOTIMAH Kabenefo, Kofi Ampomah Khoironi Mawardi Mega, Mega Karlina Agustin Moh Fahrurozi Mutiara Sari Noorikha Pandayahesti Saputeri NOVIYANTI Nugroho, Agung Nur Aisyah Nur Fa'izin, Safa'ah Piah Anggela Rita Dewi Triastianti Romlah Saputeri, Noorikha Pandayahesti Thi Safinah Triatmi Sri Widyaningsih Waluyo Erry Wahyudi