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All Journal Jurnal Darussalam: Jurnal Pendidikan, Komunikasi dan Pemikiran Hukum Islam Create: Journal of Islamic Management and Business
Habibah, Siti Habibatur Rahma
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Religion Humanities Economics, Econometrics & Finance Education Languange, Linguistic, Communication & Media Law, Crime, Criminology & Criminal Justice Social Sciences Other

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Internalisasi Nilai-Nilai Islam dalam Praktek “Gireghen” sebagai Bentuk Kearifan Lokal Untuk Peningkatan Kesejahteraan Ekonomi Masyarakat Jember Habibah, Siti Habibatur Rahma; Mondir, Mohammad; Fathoni, Joharul
Jurnal Darussalam: Jurnal Pendidikan, Komunikasi dan Pemikiran Hukum Islam Vol. 17 No. 1 (2025): September
Publisher : IAI Darussalam

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Abstract

Penelitian ini mengeksplorasi internalisasi nilai-nilai Islam dalam praktek "Girighen" sebagai bentuk kearifan lokal yang berkontribusi pada peningkatan kesejahteraan masyarakat. "Girighen" merupakan sebuah tradisi lokal yang mencerminkan perpaduan antara ajaran Islam dan kebudayaan khususnya pada komunitas petani tembakau di Kecamatan Kalisat Kabupaten Jember. Penelitian ini bertujuan untuk mengidentifikasi bagaimana nilai-nilai Islam diterapkan dalam kegiatan "Girighen" dan dampaknya terhadap kesejahteraan sosial-ekonomi masyarakat Kecamatan Kalisat Kabupaten Jember yang mayoritas adalah petani tembakau. Penelitian ini menggunakan metode kualitatif dengan pendekatan studi kasus, data dikumpulkan melalui wawancara mendalam, observasi, dan studi literatur. Temuan menunjukkan bahwa internalisasi nilai-nilai Islam melalui tradisi "Girighen" dapat memperkuat solidaritas sosial, meningkatkan kesejahteraan ekonomi, dan memperkuat kohesi komunitas petani tembakau di Kalisat Jember. Artikel ini menyimpulkan bahwa "Girighen" bukan hanya sebagai praktik budaya, tetapi juga sebagai mekanisme penting untuk meningkatkan kesejahteraan dalam kerangka kearifan lokal berbasis agama.
Optimizing Gold Installment Product Marketing to Increase Customer Engagement in Islamic Non-Bank Financial Institutions Habibah, Siti Habibatur Rahma; Dimas, Muhammad Dimas Firmansyah; Oluwatosin, Yahya Isiaq
Create: Journal of Islamic Management and Business Vol. 2 No. 1 (2026): Islamic Business and Management
Publisher : Perkumpulan Dosen Tarbiyah Islam Indonesia

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.59373/create.v2i1.257

Abstract

The increasing public interest in gold investment and the rapid digitalization of financial services have intensified competition among non-bank financial institutions in Indonesia. However, previous studies have predominantly focused on general investment behavior and have paid limited attention to hybrid marketing strategies for gold installment products at the operational branch level. This study aims to analyze the effectiveness of the 7P marketing mix strategy implemented by PT Pegadaian UPC Tamanan in increasing customer engagement and customer growth for the Gold Installment (Cicil Emas) product. This research employed a qualitative descriptive approach using in-depth interviews, observation, and document analysis. Ten informants consisting of branch managers, marketing staff, customers, and community members were selected through purposive sampling. Data were analyzed using the Miles and Huberman interactive model and validated through source and method triangulation. The findings reveal that the integration of affordable installment schemes, digital promotion through Pegadaian Digital Service (PDS), and interpersonal relationship-based services significantly enhances customer trust, investment literacy, and customer acquisition. The study also identifies that customers perceive the Gold Installment product not merely as a financing facility but as a mechanism for financial security and long-term asset protection amid economic uncertainty. The theoretical contribution of this study lies in extending the 7P marketing mix framework by integrating financial inclusion and investment literacy dimensions within hybrid financial marketing. Practically, the study offers strategic insights for non-bank financial institutions in developing adaptive marketing models that combine digital technology, social interaction, and financial education to strengthen competitiveness and sustainable customer engagement in semi-rural communities.
Co-Authors Dimas, Muhammad Dimas Firmansyah Fathoni, Joharul Mondir, Mohammad Oluwatosin, Yahya Isiaq