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All Journal AHKAM : Jurnal Hukum Islam dan Humaniora Innovative: Journal Of Social Science Research AL-SULTHANIYAH
Wafa, Faqih El
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Humanities Computer Science & IT Law, Crime, Criminology & Criminal Justice Public Health Social Sciences Other

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Analysis of Promotion Strategy on PRUCinta Syariah Life Insurance Products Through Social Media (Study at PT. Prudential PRUFure Team BJ8 in Banjarmasin) Nikmah, Nikmah; Faridah, Faridah; Fithriani, Ahda; Wafa, Faqih El
AHKAM Vol 4 No 3 (2025): SEPTEMBER
Publisher : Lembaga Yasin AlSys

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.58578/ahkam.v4i3.6667

Abstract

This research explores the promotional strategy for the PruCinta Sharia life insurance product through social media, with a focus on the implementation of Islamic principles in marketing practices at PT. Prudential Prufure Team BJ8 in Banjarmasin. The study is motivated by the central role of ethical strategy in Sharia-compliant insurance, emphasizing the prohibition of dishonest practices such as fraud, deceit, and exploitation. Employing a qualitative descriptive approach, data were collected through interviews with nine informants and analyzed using data reduction, data presentation, and conclusion drawing techniques. The findings indicate that the promotional strategy is carefully designed and centers on leveraging social media to maximize outreach and engagement. Instagram emerged as the most effective platform due to its visual appeal and ability to connect directly with potential clients. The strategy aligns with Islamic ethical standards, emphasizing transparency, honesty, and fairness in the communication of product benefits. The use of social media not only enhances visibility but also fosters trust and relatability among target audiences. The study concludes that ethically grounded and strategically executed social media promotion is key to advancing the reach and credibility of Sharia life insurance products like PruCinta.
Reconstructing the Concept of Riba from the Perspective of Contemporary Islamic Jurisprudence: An Approach to Modern Islamic Scholars' Thought Faridah , Faridah; Wafa, Faqih El; Rizali , Muhammad
Innovative: Journal Of Social Science Research Vol. 4 No. 6 (2024): Innovative: Journal Of Social Science Research
Publisher : Universitas Pahlawan Tuanku Tambusai

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.31004/innovative.v4i6.15136

Abstract

This study explores the reconstruction of the concept of riba from a contemporary fiqh perspective to understand how modern interpretations can adapt to global economic developments. The primary goal is to compare traditional and contemporary views on riba and analyze the contribution of contemporary thought in the current economic context. The research employs a literature review, including the analysis of works by classical and contemporary scholars and relevant Islamic financial instruments. The findings indicate that contemporary scholars use a more flexible and contextual approach, focusing on justice and the prevention of exploitation. The maqasid al-sharia approach is applied to evaluate financial transactions, enabling the development of innovative Islamic financial instruments like sukuk, mudharabah, and murabahah. These findings have significant implications for both fiqh theory and Islamic financial practice, providing a more dynamic and adaptive framework to meet modern economic needs.
Restructuring of Murabahah Agreement Financing: Case Study at PT Bank Muamalat Banjarmasin Branch Office Rahmawati, Nisa; Wafa, Faqih El; Gafur, Abdul; Faridah, Faridah; Fitriani, Ahda
AL-SULTHANIYAH Vol. 14 No. 1 (2025): AL-SULTHANIYAH
Publisher : Institut Agama Islam Sultan Muhammad Syafiuddin Sambas

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.37567/al-sulthaniyah.v14i1.3359

Abstract

This research discusses the problematic financing settlement policy regulated by Peraturan Bank Indonesia (PBI) No. 10/18/PBI/2008, Peraturan Otoritas Jasa Keuangan (POJK) No. POJK.03/2019, and Fatwa Dewan Syariah Nasional-Majelis Ulama Indonesia (DSN-MUI) No. 47, 48, 49/DSN/MUI/II/2005. Furthermore, this study analyses the implementation of these policies at Bank Muamalat KC Banjarmasin concerning relevant regulations. This research uses a qualitative approach through field research methodology, with data collection conducted through direct interviews with relevant informants. After collecting the data, the author describes, describes, and analyses the policy and implementation of financing restructuring with murabahah contracts at Bank Muamalat KC Banjarmasin. The results showed that the murabaha contract financing restructuring policy at the bank has been implemented comprehensively and by the provisions contained in PBI No. 10/18/PBI/2008, POJK No. 10/POJK.03/Year 2019, and DSN-MUI Fatwa No. 47, 48, 49/DSN/MUI/II/2005, which includes three main elements: rescheduling, reconditioning, and restructuring (3R).
Co-Authors Abd. Gafur Ahda Fithriani, Ahda Faridah , Faridah Faridah Faridah Fitriani, Ahda Nikmah Nikmah Nisa Rahmawati, Nisa Rizali , Muhammad