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All Journal EKONOMIKA45 El-Mal: Jurnal Kajian Ekonomi & Bisnis Islam Journal of Ekonomics, Finance, and Management Studies J-CEKI
Cahyaning Budi Utami
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Religion Agriculture, Biological Sciences & Forestry Humanities Civil Engineering, Building, Construction & Architecture Economics, Econometrics & Finance Industrial & Manufacturing Engineering Social Sciences

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Pengaruh Tingkat Literasi Keuangan Syariah dan Kepercayaan terhadap Minat Menabung di Lembaga Keuangan Syariah Maulidya Berliana Rahmawati; Miswan Ansori; Cahyaning Budi Utami
EKONOMIKA45 :  Jurnal Ilmiah Manajemen, Ekonomi Bisnis, Kewirausahaan Vol. 12 No. 1 (2024): Desember : Jurnal Ilmiah Manajemen, Ekonomi Bisnis, Kewirausahaan
Publisher : Fakultas Ekonomi Universitas 45 Surabaya

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.30640/ekonomika45.v12i1.3658

Abstract

This research aims to find out whether there is an influence of sharia financial literacy and trust on people's interest in saving in sharia financial institutions. The research method used in this research is quantitative with data collection techniques through questionnaires. The object of this research is the people of Tengguli village, the majority of whom are Muslim. The research results show based on multiple linear regression analysis that sharia financial literacy and trust together have a significant influence on the interest in saving of the people of Tengguli village in sharia financial institutions. It is hoped that this research can be a reference for predicting interest in saving based on sharia financial literacy and trust, as well as consideration for financial practitioners in designing effective interventions to increase interest in saving through increasing sharia financial literacy and public trust. It is also hoped that further research can carry out research with a wider range of objects and with more diverse variables.
Analisis Strategi Pemasaran Produk Simpanan Aman Terencana (Simantra) Pada KSPPS BMT Aman Utama Cabang Pengkol Jepara Elysia Shefie Patricia; Wahidullah; Cahyaning Budi Utami
El-Mal: Jurnal Kajian Ekonomi & Bisnis Islam Vol. 6 No. 3 (2025): El-Mal: Jurnal Kajian Ekonomi & Bisnis Islam
Publisher : Intitut Agama Islam Nasional Laa Roiba Bogor

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.47467/elmal.v6i3.7084

Abstract

This research aims to analyze the marketing strategy for Planned Safe Savings (SIMANTRA) products at KSPPS BMT Aman Utama Pengkol Branch. The research method used is qualitative research with data collection techniques through direct observation in the field and an interview process with the head of the KSPPS BMT Aman Utama Pengkol Branch. The research results show that KSPPS BMT Aman Utama Pengkol Branch in implementing the marketing strategy for planned safe savings products (SIMANTRA) consists of five steps, namely: Prospecting, Approaching, Presentation, Handling Objection, and Ideal Closing. Apart from these five steps, KSPPS BMT Aman Utama also uses the "word of mouth" method which can be carried out by members who use the Planned Safe Savings (SIMANTRA) product by providing information and inviting friends, family and neighbors to use the product.
Pengaruh Work Life Balance, Stres Kerja dan Lingkungan Kerja Terhadap Kinerja Pegawai BMT Al Hikmah Semesta Intan Khoirun Nisa; Ahmad Fauzan Mubarok; Cahyaning Budi Utami
J-CEKI : Jurnal Cendekia Ilmiah Vol. 4 No. 3: April 2025
Publisher : CV. ULIL ALBAB CORP

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.56799/jceki.v4i3.8208

Abstract

This study aims to analyze the effect of work-life balance, work stress, and work environment on employee performance at BMT Al Hikmah Semesta. A quantitative approach was used involving 41 respondents who were selected as samples. Primary data collection was conducted through observation and structured questionnaires distributed through the Google Forms platform. Descriptive statistical analysis, validity and reliability tests, classical assumption tests, and hypothesis testing were conducted to test the relationship between variables. The results showed that work-life balance and work environment partially have a positive and significant influence on employee performance. However, work stress does not show a significant influence on employee performance. Furthermore, simultaneously, work-life balance, work stress, and work environment together have a positive and significant influence on the performance of BMT Al Hikmah Semesta employees. These findings provide important implications for BMT Al Hikmah Semesta management in an effort to improve employee performance through managing work-life balance, reducing work stress, and creating a conducive work environment
Analisis Strategi Pemasaran Produk Simpanan Aman Terencana (Simantra) Pada KSPPS BMT Aman Utama Cabang Pengkol Jepara Elysia Shefie Patricia; Wahidullah; Cahyaning Budi Utami
El-Mal: Jurnal Kajian Ekonomi & Bisnis Islam Vol. 6 No. 3 (2025): El-Mal: Jurnal Kajian Ekonomi & Bisnis Islam
Publisher : Intitut Agama Islam Nasional Laa Roiba Bogor

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.47467/elmal.v6i3.7084

Abstract

This research aims to analyze the marketing strategy for Planned Safe Savings (SIMANTRA) products at KSPPS BMT Aman Utama Pengkol Branch. The research method used is qualitative research with data collection techniques through direct observation in the field and an interview process with the head of the KSPPS BMT Aman Utama Pengkol Branch. The research results show that KSPPS BMT Aman Utama Pengkol Branch in implementing the marketing strategy for planned safe savings products (SIMANTRA) consists of five steps, namely: Prospecting, Approaching, Presentation, Handling Objection, and Ideal Closing. Apart from these five steps, KSPPS BMT Aman Utama also uses the "word of mouth" method which can be carried out by members who use the Planned Safe Savings (SIMANTRA) product by providing information and inviting friends, family and neighbors to use the product.
Co-Authors Ansori, Miswan Elysia Shefie Patricia Intan Khoirun Nisa Maulidya Berliana Rahmawati Mubarok, Ahmad Fauzan Wahidullah