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All Journal MALIA: Journal of Islamic Banking and Finance HARAMAIN : Jurnal Manajemen Bisnis
Sa’adah, Haqiqotus
Unknown Affiliation
Decision Sciences, Operations Research & Management Economics, Econometrics & Finance Social Sciences

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Low Literacy And Public Participation In Sharia Financial Institutions: A Qualitative Study In Jambesari Darussholah Village Islami, Delalatul; Sa’adah, Haqiqotus
HARAMAIN : Jurnal Manajemen Bisnis Vol. 6 No. 01 (2026): HARAMAIN : JURNAL MANAJEMEN BISNIS
Publisher : HARAMAIN : Jurnal Manajemen Bisnis

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Abstract

Jambesari Village is classified as a village with a relatively low level of literacy and community participation. Although some members of the community are aware of the existence of Islamic financial institutions, many do not yet have an in-depth understanding of these institutions, including their basic principles and operational systems. This study aims to analyze the level of Islamic financial literacy, the factors contributing to low community participation, and strategies to enhance both literacy and participation. This research employs a descriptive qualitative method, with data collected through interviews, observations, and documentation. Data analysis is conducted using the Miles and Huberman model, which includes data reduction, data display, and conclusion drawing. The results of this study indicate that the low level of community literacy and participation in Islamic financial institutions is caused by a lack of socialization and limited access to Islamic financial institutions in the village. Therefore, strategies or efforts are needed to improve community literacy and participation, which can be implemented through long-term socialization programs and the expansion of access to Islamic financial services in the village, so that the level of community literacy and participation can increase.
Transformation Of Shopping Culture And Negotiation Of Consumer Decisions In Tamanan District Hasanah, Deviyatul; Sa’adah, Haqiqotus
HARAMAIN : Jurnal Manajemen Bisnis Vol. 6 No. 01 (2026): HARAMAIN : JURNAL MANAJEMEN BISNIS
Publisher : HARAMAIN : Jurnal Manajemen Bisnis

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This study aims to analyze the impact of the presence of modern markets on the marketing performance of traditional markets from the perspectives of traders and consumers in Tamanan Regency. This research employs a descriptive qualitative approach, with data collected through interviews. The sampling technique used is non-probability sampling (purposive sampling), and data analysis is conducted by organizing data into categories, describing them into units, synthesizing, arranging them into patterns, selecting important aspects to be studied, and drawing conclusions. The results indicate that the presence of modern markets in Tamanan Regency has both positive and negative impacts. Traditional market traders experience a decline in profits and market share due to market segmentation; however, traders also recognize that changes over time and regional development necessitate adaptation and renewal of business systems to minimize competition and enhance partnerships as well as competitiveness within the industry. The Tamanan Regency Government is expected to acknowledge this condition and formulate policies to regulate the operational systems of both traditional and modern markets, enabling them to operate more dynamically and coexist without engaging in price wars that could negatively affect the market ecosystem or price stability
Marketing Mix-7P dan Religi Terhadap Keputusan Menjadi Nasabah (Survey Pada PT. Bank BRISyariah KCP Wahid Hasyim Jombang) Sa’adah, Haqiqotus; Sopingi, Imam
MALIA: Journal of Islamic Banking and Finance Vol 3, No 1 (2019)
Publisher : IAIN Kudus

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.21043/malia.v3i1.8089

Abstract

This study aims to test how far the decision to become a customer or customer interest in sharia banking, especially PT. Bank BRISyariah KCP Wahid Hasyim Jombang by observing customer’s behaviors. There are seven factors that influence the decision to become a customer, they are product, price, place, promotion, people, process, and physical evidance called marketing mix-7p and one special factor ini this case is religion. Religious factor in this study is the image of sharia.The results showed that marketing mix-7p variables (X1) and religion variables (X2), had a positive influence. The regression equation Y = -5.792 + 0.234 + 0.644. The F test (simultaneous) showed that the marketing mix-7p variables and religion variables both had significant influences on the decision to be a customer with a significance level of 0.000 or 0%. But based on T test (partial), marketing mix-7p variables significantly influence the decision to become a customer of 0,000, while religious variables significantly influence the decision to become a client of 0.001. The contribution of marketing mix-7p and religion variables to the decisions to become customers is shown by the coefficient of determination that has been equaled 0.783 means that the marketing mix-7p and religion influence the decision to become a customer of 78.3% while sisahnya by 22% influenced by other variables outside the model Used by researchers.And the result of this research get R = 0,885 show R almost close to number 1, meaning between marketing mix-7p and religion variable to decision become customer have influence.
Co-Authors Hasanah, Deviyatul Imam Sopingi Islami, Delalatul