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All Journal Labatila: Jurnal Ilmu Ekonomi Islam El-khidmah: Jurnal Diseminasi Pengabdian kepada Masyarakat
Rima Prastika
Institut Agama Islam Ngawi
Humanities Economics, Econometrics & Finance Education Environmental Science Languange, Linguistic, Communication & Media Social Sciences Other

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Strategi Peningkatan Minat Nasabah Pada Pembiayaan Multiguna Akad Murabahah di Bank Muamalat KCP Madiun Rima Prastika; Lilik Sofianiyatin; Rosa Denik Anggraini
LABATILA : Jurnal Ilmu Ekonomi Islam Vol. 10 No. 01 (2026)
Publisher : Lembaga Penelitian dan Pengembangan Masyarakat IAINU Kebumen

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.33507/lab.v10i01.3741

Abstract

Pembiayaan multiguna dengan akad murabahah merupakan produk unggulan bank syariah yang dirancang untuk memenuhi kebutuhan konsumtif nasabah sesuai prinsip syariah. Meskipun Bank Muamalat KCP Madiun mencatat pertumbuhan nasabah pembiayaan ini sebesar 90% sejak tahun 2023, bank masih menghadapi tantangan dalam memperluas basis nasabah secara berkelanjutan. Penelitian ini bertujuan mengkaji strategi yang diterapkan Bank Muamalat KCP Madiun dalam meningkatkan minat nasabah serta hambatan yang dihadapi. Pendekatan kualitatif deskriptif digunakan dengan pengumpulan data melalui wawancara semi-terstruktur kepada Relationship Manager Funding, Kepala Cabang, dan dua orang nasabah, dilengkapi dengan observasi dan dokumentasi. Keabsahan data diuji melalui triangulasi sumber. Temuan menunjukkan bahwa strategi yang efektif meliputi personal selling kepada nasabah berpayroll, promosi media sosial (Facebook dan Instagram), edukasi melalui seminar dan workshop, serta pelayanan profesional dengan konsultasi gratis. Keunggulan utama produk ini adalah pembiayaan tanpa agunan bagi nasabah berpayroll dengan penghasilan minimal Rp1.500.000. Hambatan utama meliputi ketidaksesuaian kriteria nasabah, rendahnya literasi keuangan syariah, dan kendala riwayat kredit (BI Checking). Temuan ini sejalan dengan riset terdahulu yang menegaskan bahwa edukasi dan kualitas layanan merupakan faktor penentu akuisisi nasabah perbankan syariah.
PEMBERDAYAAN PEREMPUAN DALAM PENCEGAHAN STUNTING MELALUI PELATIHAN PENGOLAHAN IKAN Eka Rahayu; Lilik Sofianiyatin; Rima Prastika
EL-KHIDMAH: Jurnal Diseminasi Pengabdian Kepada Masyarakat Vol 4 No 1 (2026): EL-KHIDMAH
Publisher : P3M STAI KH. MUHAMMAD ALI SHODIQ

Show Abstract | Download Original | Original Source | Check in Google Scholar

Abstract

Stunting remains a chronic nutritional problem in Indonesia, primarily due to inadequate animal protein intake during the First 1000 Days of Life. This community service program aimed to empower women through fish processing training as a stunting prevention effort in Kerek Village, Ngawi Regency. The method used was Participatory Action Research (PAR) through stages of problem identification, action planning, training implementation, mentoring, and evaluation. Participants numbered 25 people consisting of mothers of toddlers, posyandu cadres, and PKK members. The results showed an increase in participants' knowledge about the relationship between animal protein consumption and stunting prevention, improved skills in processing patin fish into various processed products (nuggets, meatballs, shredded fish), and growing awareness of utilizing local fisheries potential. This program also opened household economic opportunities through processed fish products. In conclusion, women's empowerment through fish processing training contributes to stunting prevention in terms of improved nutritional knowledge, changes in family consumption behavior, and strengthening household food security. Continuous mentoring and development of village business units are recommended for program sustainability.
Co-Authors eka rahayu Lilik Sofianiyatin Lilik Sofianiyatin Rosa Denik Anggraini