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All Journal Publik: Jurnal Manajemen Sumber Daya Manusia, Administrasi dan Pelayanan Publik Synergy: Journal of Business, Finance and Management
Fara Diah Pitaloka
Universitas Muhammadiyah Sidoarjo, Indonesia
Social Sciences

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PELUANG DAN TANTANGAN FINTECH SYARIAH UNTUK UMKM DI KABUPATEN SIDOARJO Suryono Suryono; Inggar Rizki Bintang Wijoyo; Fara Diah Pitaloka; Pradhipa Haqi Santoso; Rizkiani Ilfiana Putri; Harman Ago
Publik: Jurnal Manajemen Sumber Daya Manusia, Administrasi dan Pelayanan Publik Vol. 11 No. 3 (2024): Publik: Jurnal Manajemen Sumber Daya Manusia, Administrasi, dan Pelayanan Publ
Publisher : Universitas Bina Taruna Gorontalo

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.37606/publik.v11i3.1341

Abstract

This research aims to determine the Opportunities and Challenges of Fintech Syariah for UMKM in Sidoarjo Regency. This research uses qualitative descriptive research. The method used is a qualitative method. Data collection methods were carried out by interviews and observation. Data analysis method the data sources used in this research are primary and secondary data sources. Primary data sources can be obtained from interviews. Meanwhile, secondary data sources were obtained through literature study with the help of print media and internet media. Fintech Syariah is a combination of innovation in the fields of finance and technology that facilitates transaction and investment processes based on sharia values. Even though Fintech is a new breakthrough, it is experiencing rapid development. Fintech brings great opportunities and potential in the development of UMKM in Indonesia. In general, UMKM have difficulties in financial and capital aspects. The existence of fintech can help UMKM to gain convenience and efficiency in the financial aspect. The results of this research show that the Opportunities and Challenges of Fintech Syariah for UMKM in Sidoarjo Regency are still less popular among business actors. The reason is because they don't know yet, no one is interested, and they are afraid of the rise in fraud cases. Therefore, the OJK must be more selective regarding the many types of fintech that exist around us.
Analysis of Marketing Mix Strategy in Increasing Consulting Service Sales at PT Global Enviro Consultant Pasuruan Fara Diah Pitaloka; Inggar Rizki Bintang Wijoyo; Mukhamad Masykur Hadi; Muhammad Yani
Synergy: Journal of Business, Finance and Management Vol. 1 No. 1 (2025): Synergy: Journal of Business, Finance and Management
Publisher : Sinergi Research Publishing

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.68111/sjbfm.v1i1.12

Abstract

Penelitian ini bertujuan untuk menganalisis strategi marketing mix (product, price, place, promotion) yang diterapkan oleh PT Global Enviro Consultant (PT GEC) dalam meningkatkan penjualan jasa konsultan di wilayah Pasuruan. Sebagai perusahaan yang bergerak di bidang perencanaan pembangunan, desain arsitektur, pengurusan perizinan usaha, dan sertifikasi, PT GEC menghadapi tantangan dalam memperluas pasar dan meningkatkan daya saing di tengah transformasi digital serta persaingan industri yang dinamis. Penelitian ini menggunakan pendekatan deskriptif kualitatif dengan teknik pengumpulan data berupa wawancara dan observasi terhadap aktivitas pemasaran. Hasil penelitian menunjukkan bahwa keempat elemen marketing mix diimplementasikan secara terpadu dan adaptif. Pada aspek produk, PT GEC menawarkan layanan fleksibel yang disesuaikan dengan kebutuhan klien, baik UMKM maupun instansi. Strategi harga menggunakan value-based pricing berdasarkan kompleksitas proyek. Distribusi layanan menggabungkan kanal digital (media sosial, WhatsApp Business, Google Maps) dengan pendekatan door to door. Promosi dilakukan melalui konten edukatif di media sosial serta promosi langsung secara personal. Temuan menunjukkan bahwa sinergi antara pemasaran digital dan tradisional berkontribusi signifikan terhadap peningkatan penjualan dan loyalitas pelanggan. Penelitian ini menegaskan bahwa strategi marketing mix yang adaptif dan kontekstual menjadi kunci dalam membangun posisi kompetitif perusahaan jasa konsultan di era digital.
Co-Authors Harman Ago Inggar Rizki Bintang Wijoyo Inggar Rizki Bintang Wijoyo Muhammad Yani Mukhamad Masykur Hadi Pradhipa Haqi Santoso Rizkiani Ilfiana Putri Suryono Suryono