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All Journal Syarikat : Jurnal Rumpun Ekonomi Syariah El-Mal: Jurnal Kajian Ekonomi & Bisnis Islam Journal of Ekonomics, Finance, and Management Studies
Zul Ihsan Mu’arrif
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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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Analisis Pengalaman Nasabah dalam Menghadapi Permasalahan pada Bank Rakyat Indonesia (BRI) dan Bank Mandiri di Kota Sungai Penuh Wahyu Fikri; Zul Ihsan Mu’arrif
El-Mal: Jurnal Kajian Ekonomi & Bisnis Islam Vol. 6 No. 6 (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.v6i6.7383

Abstract

This study aims to explore customers' experiences in resolving banking issues. The approach used is qualitative research, focusing on gaining an in-depth understanding of the experiences of customers of Bank Rakyat Indonesia (BRI) and Bank Mandiri in Kota Sungai Penuh. The data analysis technique applied is Domain Analysis, which emphasizes general descriptions and a comprehensive understanding of the subject or social group being studied. Primary data collection was conducted through semi-structured interviews with customers. Additionally, secondary data was gathered from previous literature studies. Moreover, trust has been proven to play a significant role in enhancing customer satisfaction. This study suggests that banks should improve service quality and consider customer feedback to build better relationships.
Analisis Pengalaman Nasabah dalam Menghadapi Permasalahan pada Bank Rakyat Indonesia (BRI) dan Bank Mandiri di Kota Sungai Penuh Wahyu Fikri; Zul Ihsan Mu’arrif
El-Mal: Jurnal Kajian Ekonomi & Bisnis Islam Vol. 6 No. 6 (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.v6i6.7383

Abstract

This study aims to explore customers' experiences in resolving banking issues. The approach used is qualitative research, focusing on gaining an in-depth understanding of the experiences of customers of Bank Rakyat Indonesia (BRI) and Bank Mandiri in Kota Sungai Penuh. The data analysis technique applied is Domain Analysis, which emphasizes general descriptions and a comprehensive understanding of the subject or social group being studied. Primary data collection was conducted through semi-structured interviews with customers. Additionally, secondary data was gathered from previous literature studies. Moreover, trust has been proven to play a significant role in enhancing customer satisfaction. This study suggests that banks should improve service quality and consider customer feedback to build better relationships.
Implementasi Penyelenggaraan Pariwisata Halal Berdasarkan Fatwa Dewan Syariah Nasional Di Kabupaten Kerinci Syamsarina Nasution; Zul Ihsan Mu’arrif
Syarikat: Jurnal Rumpun Ekonomi Syariah Vol. 8 No. 2 (2025): Syarikat : Jurnal Rumpun Ekonomi Syariah
Publisher : Program Studi Ekonomi Syariah, Fakultas Agama Islam Universitas Islam Riau

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.25299/syarikat.2025.vol8(2).23529

Abstract

Penelitian ini bertujuan untuk mengkaji implementasi fatwa Dewan Syariah Nasional Majelis Ulama Indonesia (DSN-MUI) No. 108/DSN-MUI/X/2016 tentang pedoman umum penyelenggaraan pariwisata berbasis syariah di Kabupaten Kerinci, Provinsi Jambi. Penelitian ini menggunakan pendekatan kualitatif dengan metode studi kasus, dengan data diperoleh melalui wawancara mendalam, observasi lapangan, dan dokumentasi terhadap pemangku kepentingan pariwisata, termasuk pemerintah daerah, MUI, pelaku usaha, dan masyarakat lokal. Studi awal menunjukkan bahwa sebagian destinasi wisata di Kerinci belum mengadopsi standar layanan yang sesuai dengan prinsip syariah secara menyeluruh. Hasil penelitian menunjukkan bahwa penerapan prinsip-prinsip syariah dalam sektor pariwisata di Kerinci masih bersifat parsial dan belum terintegrasi secara kelembagaan. Fatwa DSN-MUI belum dijabarkan ke dalam regulasi teknis atau kebijakan daerah, dan pemahaman pelaku usaha terhadap konsep wisata halal masih terbatas. Meski terdapat dukungan sosial dari masyarakat Muslim, implementasi di lapangan menghadapi kendala struktural seperti ketiadaan panduan operasional, minimnya koordinasi lintas aktor, dan keterbatasan fasilitas halal. Temuan ini mengindikasikan adanya kesenjangan antara prinsip normatif dalam fatwa dan realitas implementasi di daerah. Penelitian ini merekomendasikan pentingnya penguatan tata kelola wisata halal melalui regulasi daerah, pelibatan aktif MUI, serta peningkatan kapasitas pelaku usaha dalam mewujudkan ekosistem pariwisata yang sesuai dengan prinsip syariah.
Co-Authors Syamsarina Nasution Wahyu Fikri