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All Journal Digital Bisnis: Jurnal Publikasi Ilmu Manajemen Dan E-commerce Journal of Islamic Economics and Finance
Ferdi Gunawan Siagian
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Decision Sciences, Operations Research & Management Economics, Econometrics & Finance

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Keunggulan Tabungan Wadiah dan Mudharabah dalam Perbankan Syariah untuk Menarik Minat Nasabah Berbasis Syariah Ferdi Gunawan Siagian; M. Zulfikri Suti
Digital Bisnis: Jurnal Publikasi Ilmu Manajemen dan E-Commerce Vol. 4 No. 1 (2025): Digital Bisnis: Jurnal Publikasi Ilmu Manajemen dan E-Commerce
Publisher : Universitas 45 Surabaya

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.30640/digital.v4i1.3856

Abstract

This study employs a quantitative method to analyze the advantages of Wadiah and Mudharabah savings in attracting Sharia-based customers. The data used were sourced from 15 journals on Islamic banking and relevant empirical studies. Wadiah savings offer secure deposits without returns, while Mudharabah savings provide competitive profit-sharing benefits. These advantages offer flexible options for customers with varying financial preferences. The findings indicate that both savings types play a crucial role in enhancing Sharia-based financial inclusion. Factors such as trust, Sharia principles, and transparency influence customers’ interest in utilizing these services. The results highlight that product innovation and proper promotion can increase the appeal of Wadiah and Mudharabah savings. Furthermore, the combination of non-material benefits and financial advantages from these two products can encourage community participation in the Islamic banking system. This study recommends Islamic banks prioritize Sharia compliance and customer education to remain competitive in the market.
Pemberdayaan UMKM dalam Ekonomi Pembangunan Sebagai Solusi Pengurangan Kemiskinan dan Peningkatan Kesejahteraan Ferdi Gunawan Siagian; Syahrinal Fajri; Mahesa Marpaung
Journal of Islamic Economics and Finance Vol. 3 No. 1 (2025): Februari: Journal of Islamic Economics and Finance
Publisher : STIKes Ibnu Sina Ajibarang

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.59841/jureksi.v3i1.2296

Abstract

This study uses a quantitative method to examine the empowerment of Micro, Small, and Medium Enterprises (MSMEs) in the context of economic development, focusing on their role in poverty reduction and improving welfare. MSMEs play an essential role in creating jobs, alleviating poverty, and strengthening the economy, particularly in developing countries such as Indonesia. The study aims to analyze how MSME empowerment can reduce existing social and economic inequalities, while also contributing positively to the social welfare of communities. The main focus of this research is on empowerment programs implemented by both the government and the private sector, as well as the challenges and opportunities for MSME players across various sectors. Using primary and secondary data from 15 relevant journals, this study finds that better access to financing and appropriate training can increase MSMEs’ competitiveness, improving the welfare of micro and small business owners. The findings are expected to provide valuable insights for policymakers in formulating more effective MSME empowerment strategies.
Co-Authors M. Zulfikri Suti Mahesa Marpaung Syahrinal Fajri