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All Journal Majalah Ilmiah Bijak Journal of Islamic Economic and Law (JIEL)
Maulini, Yul
Unknown Affiliation
Humanities Economics, Econometrics & Finance Law, Crime, Criminology & Criminal Justice Social Sciences

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The Influence of Visual Branding Innovation and Facility Design on Customer Value Maulini, Yul; Nugroho, Danang; Supriatna, Bambang; Alhadihaq, M. Yusuf; Haryati, Risna
Majalah Ilmiah Bijak Vol 20, No 2: September 2023
Publisher : Institut Ilmu Sosial dan Manajemen STIAMI

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.31334/bijak.v20i2.3342

Abstract

The purpose of this research is to examine whether visual branding innovation and facility design have an impact on enhancing customer value, both concurrently and partially, at Unkl347 in Bandung. Customers are the driving force behind business competition, prompting entrepreneurs to strive for innovation to attract and compete for customers. This research employs a descriptive and verifiable approach, utilizing descriptive and verifiable research methods. The data is collected through observations, interviews, questionnaires, and persistent company data. Primary data is gathered from a sample of 100 respondents. The analysis method employed is path analysis. The findings of this study demonstrate that facility design exerts a greater influence than visual branding innovation on customer value. Therefore, it is advisable to maintain and enhance facility design, while visual branding innovation should be evaluated consistently considering customer opinions to advance company progress and profitability, ultimately achieving a competitive edge among various clothing entrepreneurs in Bandung.
Unlocking the Syariah Insurance Market in Indonesia: Overcoming Barriers and Enhancing Market Penetration Ronaldo, Reza; Rizal, Muhamad; Maulini, Yul
Journal of Islamic Economic and Law (JIEL) Vol. 1 No. 1 (2024): JIEL : Journal of Islamic Economic and Law
Publisher : CV. Kalimasada Group

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.59966/jiel.v1i1.1667

Abstract

As the largest Muslim-majority country, Indonesia has significant potential for Syariah insurance (Takaful). However, its market penetration remains below 10% due to low financial literacy, regulatory fragmentation, and limited product innovation. This study employs qualitative thematic analysis through expert interviews and document analysis to explore the key challenges and strategic interventions needed to enhance Syariah insurance adoption. Findings reveal that digital transformation, regulatory harmonization, and financial literacy programs are crucial for sustainable growth. Lessons from Malaysia and GCC countries indicate that fintech-driven Syariah insurance solutions, such as blockchain-based takaful and AI-powered underwriting, can significantly increase accessibility and efficiency. This study proposes a regulatory alignment framework, fintech adoption strategies, and microtakaful expansion to enhance market inclusion. The results contribute to the academic discourse by providing a roadmap for policymakers, insurers, and financial regulators to strengthen Indonesia’s Syariah insurance ecosystem.
Co-Authors Alhadihaq, M. Yusuf Danang Nugroho, Danang Haryati, Risna M. Rizal Ronaldo, Reza Supriatna, Bambang