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All Journal Jurnal Ilmiah Ekonomi Islam Nizham Journal of Islamic Studies Jurnal Akuntansi, Manajemen dan Ilmu Ekonomi (JASMIEN) Jurnal Akuntansi dan Keuangan Mutanaqishah: Journal of Islamic Banking International Journal of Economics (IJEC) KENDALI: Economics and Social Humanities Jurnal Media Akademik (JMA) El-Mal: Jurnal Kajian Ekonomi & Bisnis Islam Jurnal Intelek Dan Cendikiawan Nusantara International Journal of Islamic Economics (IJIE) Jurnal Intelek Insan Cendikia
Is Susanto
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Religion Agriculture, Biological Sciences & Forestry Humanities Civil Engineering, Building, Construction & Architecture Decision Sciences, Operations Research & Management Economics, Econometrics & Finance Education Industrial & Manufacturing Engineering Languange, Linguistic, Communication & Media Law, Crime, Criminology & Criminal Justice Social Sciences Other

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ANALISIS PENERAPAN AKAD IJARAH MUMTAHIYA BI TAMLIK DALAM PERSPEKTIF HUKUM ISLAM DI BANK SYARIAH Okta Dwi Puspita; Anggun Okta Fitri; Is Susanto
Jurnal Intelek Insan Cendikia Vol. 2 No. 4 (2025): APRIL 2025
Publisher : PT. Intelek Cendikiawan Nusantara

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Penelitian ini menganalisis penerapan akad ijarah mumtahiya bi tamlik dalam perspektif hukum islam di bank syariah. Akad ini merupakan kombinasi dari akad ijarah (sewa menyewa) dengan akad murabahah (jual-beli). Akad ini  memberikan banyak kemudahan bagi pelaku ekonomi, menggunakan metode pendekatan kualitatif dan menggunakan data sekunder serta teknik pengumpulan data yaitu dengan mencari literatur yang berkorelasi dengan pembahasan. Penelitian ini mengidentifikasi bahwa penerapan akad ijarah mumtahiya bi tamlik dalam perspektif hukum islam di bank syariah ini merupakan bagian penting untuk diterapkan, penelitian ini juga mengungkap bahwa meskipun Akad IMBT masih diragukan oleh banyak pihak. Yang dimana, mereka mempertanyakan bagaimana dasar hukum IMBT baik Hukum Islam ini, Dalam perspektif Hukum Islam, kesimpulan bahwa IMBT dikatakan telah memenuhi prinsip-prinsip, pilar dan syarat-syarat dalam akad. Para pemikir ekonomi kontemporer banyak yang berpendapat bahwa hukum IMBT diperbolehkan. penelitian ini menegaskan  penerapan nilai-nilai hukum Islam untuk menciptakan kepuasan duniawi dan akhirat.
Peran Digitalisasi Dalam Strategi Pengambilan Keputusan Menjadi Nasabah Bank Syariah Indonesia Laelasari, Ani; Muhammad Iqbal Fasa; Is Susanto
Jurnal Intelek Dan Cendikiawan Nusantara Vol. 1 No. 5 (2024): OKTOBER-NOVEMBER 2024
Publisher : PT. Intelek Cendikiawan Nusantara

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Penelitian ini bertujuan untuk mengetahuin Peran Digitalisasi Dalam Strategi Pengambilan Keputusan Menjadi Nasabah Bank Syariah Indonesia. Tulisan ini menggunakan metode kualitatif dan pendekatan penelitian kepustakaan, yaitu mengambil pendapat para ulama di bidang keuangan syariah, dan dilanjutkan dengan mengkaji kepustakaan dalam bentuk penelitian, buku, dan artikel terkait. Penelitian ini diakhiri dengan analisis atau interpretasi terhadap berbagai sumber yang melalui eksplorasi, identifikasi dan klasifikasi dengan menggunakan metode deskriptif. Hasil dari penelitian ini menunjukkan bahwa keberhasilan penerapan digitalisasi dalam keputusan menjadi nasabah Bank Syariah dapat meningkatkan efesiensi layanan nasabah, memberikan peningkatan layanan yang lebih baik, dan secara keseluruhan memperbaiki kualitas layanan di Bank Syariah Indonesia. Implikasi praktis penelitian ini ingin memberi pandangan yang berharga kepada nasabah melalui pemanfaatan digitalisasi.
Analisis Pembiayaan Pemilikan Rumah (PPR) Melalui Akad Akad Pada Bank Syariah Indonesia (BSI) KCP LAMPUNG Nabilah Syafithri; Muhammad Iqbal Fasa; Is Susanto
Jurnal Intelek Dan Cendikiawan Nusantara Vol. 1 No. 5 (2024): OKTOBER-NOVEMBER 2024
Publisher : PT. Intelek Cendikiawan Nusantara

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This study aims to identify issues related to housing financing (PPR) through murabahah contracts at Bank Syariah Indonesia (BSI). This consider was outlined employing a subjective strategy. Data collection procedures through the method of documentation. Employing a qualitative approach with a case study methodology, data collection was conducted through documentation methods. The validity of the data was ensured using source triangulation, and data analysis followed three stages: data reduction, data presentation, and drawing conclusions. The results indicate that the implementation of Domestic Ownership Financing (PPR) at BSI primarily uses murabahah contracts, complemented by wakalah contracts to enhance the murabahah process. The application of murabahah contracts at BSI adheres to the DSN-MUI fatwa No. DSN-MUI/IV/2000, whereby the bank initiates a wakalah contract before proceeding with the murabahah contract following negotiations with the developer. Several issues arise within the domestic ownership financing process at BSI. For instance, if a client is late in making payments for an extended period, BSI will undertake restructuring or reconditioning. Additionally, if a client wishes to transfer the financing, this is permitted only if the intent is to repay the financing; other reasons are not allowed. In cases of unforeseen disasters, such as the death of a client or house fire, the bank will utilize client securities to settle outstanding financing obligations. Furthermore, an increase in Non-Performing Financing (NPF). To address the rise in NPF, BSI implements measures to mitigate risks by applying the 5C framework before granting financing, which includes Character, Capacity, Capital, Collateral, and Conditions.
PEMANFAATAN MEDIA SOSIAL DAN DIGITAL MARKETING DALAM PEMASARAN PRODUK BANK SYARIAH INDONESIA Ari Wibowo; Muhammad Iqbal Fasa; Is Susanto
Jurnal Intelek Dan Cendikiawan Nusantara Vol. 1 No. 5 (2024): OKTOBER-NOVEMBER 2024
Publisher : PT. Intelek Cendikiawan Nusantara

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ABSTRAK Penelitian ini bertujuan untuk mengetahui pemanfaatan media sosial dalam pemasaran produk bank syariah Indonesia. Penelitian ini menggunakan metode deskriptif kuliatatif dengan pendekatan fenomenologi. Dimana peneliti menggambarkan hasil penelitian dari fenomena-fenomena yang terjadi saat ini. Hasil dari penelitian yaitu perkembangan media sosial berkembang sangat pesat di masyarakat dan jumlah pengguna media sosial terus meningkat setiap tahunnya. Hal ini dapat membuka peluang bagi dunia perbankan khususnya bank syariah Indonesia untuk mempromosikan produk dan jasa perbankannya di media sosial yang digunakan untuk menarik nasabah sebanyak-banyaknya, dan mengenalkan produk bank syariah kepada nasabah di seluruh indonesia. Kata Kunci: Media Sosial, Pemasaran, Bank Syariah Indonesia
STRATEGI PEMASARAN INOVATIF DALAM MENARIK GENERASI Z SEBAGAI NASABAH BANK SYARIAH Iviola Sabila Avandi; Muhammad Iqbal Fasa; Is Susanto
Jurnal Intelek Dan Cendikiawan Nusantara Vol. 1 No. 5 (2024): OKTOBER-NOVEMBER 2024
Publisher : PT. Intelek Cendikiawan Nusantara

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This study aims to examine innovative marketing strategies that can be applied by Islamic banks to attract Generation Z as customers. Generation Z, born between 1995 and 2010, has unique characteristics with a strong tendency towards digital technologies and online-based services. This article highlights the importance of digitizing Islamic banking services through user-friendly mobile applications and social media, as well as the importance of marketing strategies through collaboration with influencers. In addition, research shows that Generation Z has a preference for ethical and transparent banking services, in line with Sharia principles. Literature studies, statistical data, and qualitative analysis are used to understand the behavior and needs of Generation Z in the context of Islamic bank Marketing. In conclusion, innovative marketing strategies that utilize digital technology, personalized services, and interactive campaigns on social media are essential in attracting Generation Z and increasing the competitiveness of Islamic banks in the digital age.
PERAN PERBANKAN SYARIAH DALAM MENINGKATKAN INKLUSI KEUANGAN DI INDONESIA Putri Fitriyani; Muhammad Iqbal Fasa; Is Susanto
Jurnal Intelek Dan Cendikiawan Nusantara Vol. 1 No. 5 (2024): OKTOBER-NOVEMBER 2024
Publisher : PT. Intelek Cendikiawan Nusantara

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This study aimed to analyze the role of Islamic banks in promoting financial inclusion in Indonesia. Financial inclusion is a crucial process that provides formal financial access to the poor and low-income individuals, often referred to as the unbankable. The research employed a qualitative approach to gather in-depth insights into this topic. The qualitative data were analyzed using Strauss and Corbin’s grounded theory, which involves three major steps: open coding, axial coding, and selective coding. Through this methodology, the study highlighted the significant potential of Islamic banking in enhancing financial inclusion. The findings indicated a substantial increase in funding and financing activities from 2010 to 2014, demonstrating the growing impact of these banks on the financial landscape. Furthermore, the analysis of financial ratios revealed that the performance of Islamic banks is robust, reflecting sound financial condition. The research underscores that Islamic banks can effectively reach underserved populations, thus contributing to broader economic development and social equity in Indonesia. By offering Sharia-compliant products and services, these banks cater to the needs of those who may be hesitant to engage with conventional a banking systems. Overall, this study is emphasizes the importance of Islamic banks as key players in advancing financial inclusion, highlighting their ability to provide essential financial services to marginalized communities, ultimately fostering inclusive economic growth. This role is especially vital in a developing country like Indonesia, where access to financial resources can significantly change the lives of many individuals and families. since 2010-2014 and results of financial ratio analysis .
ANALISIS STRATEGI PEMASARAN TERHADAP PEMBIAYAAN PENSIUNAN PEGAWAI NEGERI SIPIL PADA BANK SYARIAH Anggista Marbella; Muhammad Iqbal Fasa; Is Susanto
Jurnal Intelek Dan Cendikiawan Nusantara Vol. 1 No. 5 (2024): OKTOBER-NOVEMBER 2024
Publisher : PT. Intelek Cendikiawan Nusantara

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This article examines the marketing strategies implemented by Islamic banks in pensionfinancing products for civil servants (PNS) in Indonesia. With the increasing interest of civilservants to use Islamic financial institutions, Islamic banks face significant opportunities andintense competition in offering such products. This analysis focuses on important aspects suchas the marketing mix, segmentation, targeting, and positioning. Research shows thattransparency, adherence to sharia principles, and innovation in marketing communicationsare crucial factors in attracting and retaining customers. A more holistic and data-drivenapproach is needed to meet the needs of PNS customers who are stable and guaranteed income.The results of the study are expected to provide insights for the development of more effectivemarketing strategies, as well as improving the performance of the Islamic banking industry inIndonesia, especially in the context of pension financing. Financial education and the use ofdigital technology are also considered important to support customers in planning theirretirement. Thus, Islamic banks are expected to design products that are relevant andresponsive to market dynamics and customer needs, creating high loyalty and increasingcompetitiveness in the Islamic banking sector.
IMPLEMENTASI DIGITAL MARKETING SEBAGAI STRATEGI PEMASARAN GUNA MENINGKATKAN DAYA SAING UMKM DI INDONESIA Elvri Ranjani; Muhammad Iqbal Fasa; Is Susanto
Jurnal Intelek Dan Cendikiawan Nusantara Vol. 1 No. 5 (2024): OKTOBER-NOVEMBER 2024
Publisher : PT. Intelek Cendikiawan Nusantara

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Technology continues to evolve in modern life. The internet allows everyone to access information quickly and easily without time or space restrictions. This opens up opportunities for small and medium enterprises (MSMEs) to use it to market their goods. The purpose of this study is to identify and analyze the importance of implementing digital marketing as an effective marketing strategy for MSMEs to improve their competitiveness in the market. This research is expected to help MSMEs in improving their marketing visibility, efficiency and effectiveness as well as building better relationships with consumers. The study utilizes qualitative methodology, critical discussion from the author's point of view, as well as support for literature searches, quotes, expert opinions, and previous findings on the subject. The results show that digital advertising increases the sales of MSMEs. In addition, this study shows that while there are many benefits to be gained from using digital advertising, MSME players are often faced with various challenges. The author hopes that MSME players in Indonesia can continue to innovate and develop their businesses without ignoring technological developments. The government is also expected to be complementary to encourage various efforts that have been made by MSMEs to improve their competitiveness.
INOVASI STRATEGI PEMASARAN BANK SYARIAH DALAM MEMANFAATKAN TEKNOLOGI DIGITAL UNTUK MENINGKATKAN AKSES DAN KETERLIBATAN NASABAH Wulan Ramadani Trisnaudy; Muhammad Iqbal Fasa; Is Susanto
Jurnal Intelek Dan Cendikiawan Nusantara Vol. 1 No. 5 (2024): OKTOBER-NOVEMBER 2024
Publisher : PT. Intelek Cendikiawan Nusantara

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This research explores the innovative marketing strategies implemented by Islamic banksin utilizing digital technology to increase customer access and engagement. In a digitalera characterized by high usage of mobile devices and social media, Islamic banks needto adapt to remain competitive. Through a qualitative approach with a literature studymethod, this research analyzes various relevant sources, including journal articles,industry reports, and policy documents, to identify best practices in the implementationof digital marketing strategies. The results show that the use of mobile applications andsocial media platforms effectively increase customer awareness of Islamic products andfacilitate better interaction between banks and customers. In addition, relevanteducational content, which emphasizes sharia values, is able to attract and buildcustomer loyalty. This study recommends that Islamic banks continue to innovate theirdigital marketing strategies to expand service access and enhance customer engagementin the digital era.
PENGARUH PEMASARAN SYARIAH TERHADAP KEPERCAYAAN KONSUMEN DI BANK SYARIAH Dian Hidayati; muhammad iqbal fasa; Is Susanto
Jurnal Intelek Dan Cendikiawan Nusantara Vol. 1 No. 5 (2024): OKTOBER-NOVEMBER 2024
Publisher : PT. Intelek Cendikiawan Nusantara

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This study aims to analyze the influence of Islamic marketing on consumer trust in Islamic banks. Using a quantitative approach, data were collected through questionnaires distributed to customers of Islamic banks. The analysis results show that transparent, ethical, and value-based Islamic marketing significantly enhances customer trust. This study also identifies the challenges faced by Islamic banks, such as the lack of public understanding of Islamic products and the negative stigma associated with them. Based on these findings, it is recommended that Islamic banks enhance educational programs, transparency, and collaboration with third parties to strengthen consumer trust.
Co-Authors A. Zuliansyah Aditya Dwi Putra Agnes Kurnia Ahmad Zuliansyah Al Anhar Aliyah Permata Mulana Putri Alpajar Ramadhan Anggista Marbella Anggun Okta Fitri Annisa Anggraini Ari Wibowo Bagas Oges Bryan Pratama Della Safira Elvri Ranjani Erike Anggraeni Ersi Sisdianto Evi Ekawati Fatih Fuadi Feni Nurul Hidayah Hidayati, Dian Iviola Sabila Avandi Laelasari, Ani Laila Azhari Lestari, Elza Dwi M. Yusuf Bahtiar, M. Yusuf Mad Heri mar'uf, Maryana Ulfa Mardhiyah Hayati Mar’atun Tursinah Meri Febri Sha Fitri Muhammad Iqbal Fasa Muhammad Kurniawan Muhammad Kurniawan Mutia Ramadhani Mutiara Zhafarina Utami Nabilah Syafithri Nada Annisa Nadhea Jelita Pertiwi Nadia Damayanti Nora Helda Sari Nurliana, Rena Okta Dwi Puspita Putri Fitriyani Qoirullah, Aziz Riska Puspita Dewi Sandy Septiano Winas Umami, Khoirunisa Umi Puspita Sari Wulan Ramadani Trisnaudy