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All Journal El-Mal: Jurnal Kajian Ekonomi & Bisnis Islam Journal of Ekonomics, Finance, and Management Studies Journal Creative Economics and Trading Halal Ecosystem
Novelika, Lutfiyah Rahma
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Religion Agriculture, Biological Sciences & Forestry Civil Engineering, Building, Construction & Architecture Economics, Econometrics & Finance Industrial & Manufacturing Engineering Social Sciences

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Peranan PT. BTPN Syariah Tbk dalam Pembangunan Ekonomi Berkelanjutan: Studi Kasus pada Pelaku UMKM di Pasuruan Novelika, Lutfiyah Rahma; Ridlwan, Ahmad Ajib
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.v6i3.6494

Abstract

This research examines the role of BTPN Syariah in supporting Micro, Small and Medium Enterprises (MSMEs) in Pasuruan Regency to promote sustainable economic development. The research focuses on BTPN Syariah's contribution in providing sharia financing products and empowerment programs for MSME customers. Using a qualitative approach, this research explores how the sharia financing scheme and entrepreneurship training organized by BTPN Syariah help MSMEs overcome capital limitations and improve their business skills. This research uses a descriptive qualitative method, with secondary data collection (articles, statistical data, and books), and primary data with direct interviews. The results show that BTPN Syariah's mentoring and strategic partnership programs significantly strengthen the MSME sector, improve their competitiveness, and promote financial inclusion in Pasuruan. The approach applied by BTPN Syariah focuses not only on increasing profits but also on social welfare and inclusiveness, making it one of the important pillars in realizing sustainable economic development in the area.
Peranan PT. BTPN Syariah Tbk dalam Pembangunan Ekonomi Berkelanjutan: Studi Kasus pada Pelaku UMKM di Pasuruan Novelika, Lutfiyah Rahma; Ridlwan, Ahmad Ajib
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.v6i3.6494

Abstract

This research examines the role of BTPN Syariah in supporting Micro, Small and Medium Enterprises (MSMEs) in Pasuruan Regency to promote sustainable economic development. The research focuses on BTPN Syariah's contribution in providing sharia financing products and empowerment programs for MSME customers. Using a qualitative approach, this research explores how the sharia financing scheme and entrepreneurship training organized by BTPN Syariah help MSMEs overcome capital limitations and improve their business skills. This research uses a descriptive qualitative method, with secondary data collection (articles, statistical data, and books), and primary data with direct interviews. The results show that BTPN Syariah's mentoring and strategic partnership programs significantly strengthen the MSME sector, improve their competitiveness, and promote financial inclusion in Pasuruan. The approach applied by BTPN Syariah focuses not only on increasing profits but also on social welfare and inclusiveness, making it one of the important pillars in realizing sustainable economic development in the area.
Trends and Challenges Industry Halal Cosmetics: Opportunities Growth in Indonesia and Global Markets Khoiriyah, Eva Zunia; Wulan Dari, Azizah; Novelika, Lutfiyah Rahma; Fahrullah, A'rasy
Journal Creative Economics and Trading Halal Ecosystem Vol. 2 No. 02 (2024): Journal Cethe: November 2024
Publisher : GERASI INSAN NUSANTARA

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

Abstract

This research analyze request product halal cosmetics in Indonesia, which is a country with the largest Muslim population in the world. This study use method study library For dig trend, factor drivers, as well as challenges faced by the industry halal cosmetics. Research results show that request to halal cosmetics driven by religiosity consumers, safety and health products, social media influence, and competitive pricing and availability. Generation​ millennials and Gen Z become segment the main determining factor market direction, with preferences influenced by digital promotions. Although regulation like Constitution Guarantee Halal products have give certainty law, challenges such as complex certification processes and lack of education consumer Still become constraints. This study emphasize importance innovation, marketing strategy based on social media, as well as strengthening education and literacy consumer For support growth industry halal cosmetics in Indonesia sustainable
Co-Authors Ahmad Ajib Ridlwan A’rasy Fahrullah Khoiriyah, Eva Zunia Wulan Dari, Azizah