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Increasing The Competitive Advantage Of Sharia Rural Financing Banks (BPRS) Products Through A Marketing Mix Strategy: The Approach Of Hermawan Kartajaya And Muhammad Syakir Sula Sudirjo, Frans; Zunaidi, Arif; Septiana, Aldila
WADIAH Vol. 8 No. 2 (2024): Wadiah: Jurnal Perbankan Syariah
Publisher : Program Studi Perbankan Syariah Fakultas Ekonomi dan Bisnis Islam IAIN Kediri

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.30762/wadiah.v8i2.1355

Abstract

This research aims to analyze the marketing strategy implemented by BPRS Lantabur Tebuireng Gresik Branch to increase the competitive advantage of Tadhabbur savings products by considering the approaches of Hermawan Kartajaya and Muhammad Syakir Sula. The research method used involved interviews with BPRS marketing managers, direct on-site observation, and literature studies to understand relevant marketing principles. Research found that BPRS Lantabur Tebuireng was successful in implementing a holistic marketing strategy. They offer products that suit customer needs, set competitive prices, carry out promotions through sharia financial education, provide responsive service, utilize technology, and implement social engagement programs. The success of this strategy is supported by high service quality, synergy with local communities, a focus on ethical values, and a humanist approach to marketing. These findings indicate that this approach can be used as an effective model for other Islamic financial institutions to increase the competitive advantage of their products. Thus, implementing a marketing strategy that is holistic and based on sharia values and community welfare can be the basis for strengthening the market position of sharia financial institutions in the banking industry.
Penelusuran Peran Waktu dalam Kepuasan Konsumen Kaitannya dengan Kualitas Layanan dan Kesetiaan Konsumen Rahmah, Zakiyah Zulfa; Yuliani; Mutfarida, Binti; Zuraidah; Zunaidi, Arif
JURNAL ILMIAH EKONOMI, MANAJEMEN, BISNIS DAN AKUNTANSI Vol. 1 No. 2 (2024): Juli
Publisher : CV. KAMPUSA AKADEMIK PUBLISING

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.61722/jemba.v1i2.99

Abstract

Kualitas pelayanan berperan penting dalam suatu perusahaan disaat persaingan di bidang bisnis terjadi sangat ketat dan terus berubah. Penelitian ini bertujuan untuk menguji pengaruh kualitas pelayanan terhadap kepuasan nasabah, kualitas pelayanan terhadap loyalitas nasabah, kepuasan nasabah terhadap loyalitas nasabah, dan kepuasan nasabah dalam memediasi pengaruh kualitas pelayanan terhadap loyalitas nasabah di Bank Syariah Indonesia. Jenis penelitian yang digunakan adalah penelitian kuantitatif dan desain penelitian yang digunakan adalah desain riset kausal. Subjek dalam penelitian ini adalah nasabah di Bank Syariah Indonesia dan objek dalam penelitian ini adalah kualitas pelayanan, kepuasan nasabah, dan loyalitas nasabah. Data dikumpulkan dengan pencatatan dokumen dan metode kuesioner, dengan analisis PLS dengan software SmartPLS. Hasil penelitian menemukan bahwa kualitas pelayanan berpengaruh positif dan signifikan terhadap kepuasan nasabah, kualitas pelayanan tidak berpengaruh signifikan terhadap loyalitas nasabah, kepuasan nasabah berpengaruh positif dan signifikan terhadap loyalitas nasabah, dan kepuasan nasabah memediasi sempurna pengaruh kualitas pelayanan terhadap loyalitas nasabah. Hasil penelitian ini diharapkan dapat membantu penelitian masa depan dalam memperhatikan faktor-faktor yang dapat mempengaruhi loyalitas nasabah. Hasil studi ini juga diharapkan dapat menambah pengetahuan baru yang akan memperkaya teori manajemen manajemen pemasaran maupun teori perilaku organisasi, khususnya yang terkait dengan loyalitas nasabah.
Fostering Tolerance and Cultural Preservation Through Community Empowerment: The Role of Islamic Values in Kampung Tahu Educational Tourism Maghfiroh, Fachrial Lailatul; Arif Zunaidi; Moh. Asror Yusuf; Ahmad Syakur
Journal of Islamic Economics (JoIE) Vol. 4 No. 2 (2024)
Publisher : Prodi Ekonomi Syariah Fakultas Ekonomi dan Bisnis Islam Institut Agama Islam Negeri Ponorogo

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.21154/joie.v4i2.10199

Abstract

Introduction: This paper explores the role of Islamic values in promoting tolerance and preserving cultural heritage through community empowerment in Kampung Tahu Educational Tourism. The study provides a background on how integrating Islamic principles with local wisdom contributes to sustainable development and strengthens social cohesion. Research Methods: Using a qualitative approach, data were collected through in-depth interviews, participant observation, and document analysis to examine the management strategies employed in empowering the Kampung Tahu community. Results: The findings reveal that the combination of religious values and cultural practices has positively impacted the community’s social and economic dynamics, enhancing unity and cultural preservation. The Kampung Tahu model demonstrates how educational tourism can drive economic growth while maintaining cultural identity. This research offers insights for other regions looking to implement similar strategies, emphasizing the significance of Islamic teachings in fostering harmony and sustainable development. Conclusion: The study concludes that religious and cultural integration is essential for community resilience and prosperity.
WAKAF PRODUKTIF DALAM PERSPEKTIF MAQASID SYARIAH Arif Zunaidi
Al'Adalah Vol. 25 No. 1 (2022)
Publisher : LP2M IAIN Jember (now UIN Kiai Haji Achmad Siddiq Jember)

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.35719/aladalah.v25i1.286

Abstract

Giving has become a habit in our culture. Unfortunately, in our society's view, waqf tends to focus on land and buildings. The meaning of a waqf event can be interpreted more broadly; it can be managed to be more productive, for example. This study uses library research methods that show productive waqf from the perspective of maqasid sharia, including ijtihad maslahi, which must be based on the main objectives of religion. Second, ijtihad maslahi must be based on knowledge of maslahah al-shar'iah (maslahat in religion). Third, ijtihad maslahi must apply and consider the public benefit of understanding the text in both al-Qur'an and Hadith. Fourth, ijtihad maslahi must consider the point of view of profit and loss.
Meningkatkan daya saing usaha lokal melalui literasi dan pemanfaatan e-commerce Fatmawati, Naning; Zunaidi, Arif; Septiana, Arsiqum Yogi; Maghfiroh, Fachrial Lailatul; Pinkytama, Nawalatus Reysma; Prihartini, Lely Yunita
Jurnal Inovasi Hasil Pengabdian Masyarakat (JIPEMAS) Vol 8 No 2 (2025)
Publisher : University of Islam Malang

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.33474/jipemas.v8i2.22691

Abstract

Pesatnya perkembangan teknologi digital membuka peluang bagi usaha lokal untuk berkembang melalui e-commerce. Namun, warga Desa Pehserut masih menghadapi kendala dalam memanfaatkan platform seperti Shopee akibat keterbatasan pengetahuan dan keterampilan digital. Program ini bertujuan untuk meningkatkan keterampilan digital warga agar dapat memanfaatkan e-commerce dalam memperluas pasar dan meningkatkan pendapatan. Kegiatan ini menggunakan pendekatan Asset-Based Community Development (ABCD) dengan memanfaatkan potensi dan aset lokal. Pelatihan dilaksanakan pada 27 November 2024 di rumah salah satu warga desa, dengan materi mencakup teknik pemasaran digital, pengelolaan toko di Shopee, serta pemanfaatan fitur promosi. Program ini diikuti oleh 20 peserta yang mayoritas merupakan pemilik usaha kecil dan pelaku UMKM desa. Evaluasi keberhasilan dilakukan melalui observasi dan wawancara dengan peserta. Hasilnya menunjukkan bahwa peserta mampu menguasai keterampilan dasar pengelolaan toko online, seperti pembuatan akun, pengaturan produk, dan penggunaan fitur promosi. Selain itu, terjadi peningkatan pemahaman terhadap strategi pemasaran digital, yang tercermin dari peningkatan jumlah produk yang diunggah serta interaksi di platform Shopee pascapelatihan. Pelatihan ini membuktikan bahwa edukasi berbasis aset lokal dapat meningkatkan kapasitas digital warga desa. Untuk keberlanjutan program, disarankan penyelenggaraan pelatihan lanjutan yang lebih mendalam, termasuk pendampingan intensif bagi peserta dalam membangun dan mengembangkan toko online secara berkelanjutan.
The Role of Labor Law on Business Sustainability and Workers' Welfare in Indonesia Siti Mufidatul Azizah; Chofifah Indah Parawansyah; Fitrotul Bita Aulia Putri; Reviby Adam Nazalla Dhias; Arif Zunaidi
Jurnal Masharif al-Syariah: Jurnal Ekonomi dan Perbankan Syariah Vol 10 No 3 (2025)
Publisher : Universitas Muhammadiyah Surabaya

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.30651/jms.v10i3.26569

Abstract

This research discusses the Role of Labor Law on Business Sustainability and Workers' Welfare in Indonesia. In the context of economic growth and technological development, labor law serves as a tool to maintain a balance between business sustainability and the protection of workers' rights. This research uses a literature study method with a content analysis approach to examine various labor regulations such as Law No. 13 of 2003, the Job Creation Law, and the Workers' Welfare Law. Year 2003, the Job Creation Law, and the BPJS Law. The results show that compliance with labor law has a positive impact on operational stability, employee loyalty, and company competitiveness. However, implementation challenges such as lack of supervision, unlawful employment contracts, and low legal literacy of workers are still an obstacle. Therefore, synergy between the government, companies, and workers is needed to create a healthy and productive work environment.
Pemanfaatan Gula Khas Baduy untuk Produk Olahan Bolu Kukus: Upaya Pemberdayaan Ekonomi Berbasis Komunitas Baduy Mualaf Afiyah, Anisa Nur; Safitri, Lili Dwi; Batavia, Meisya Andin; Ainina, Ananda Nur; Putri, Fitria Dwi Risna; Safitri, Safitri; Romansyah, Nano; Zunaidi, Arif; Ignacia, Jessica Emery
Welfare : Jurnal Pengabdian Masyarakat Vol. 3 No. 2 (2025): Welfare : June 2025
Publisher : Fakultas Ekonomi dan Bisnis Islam, IAIN Kediri

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.30762/welfare.v3i2.2231

Abstract

This community service aims to improve the economic skills of Baduy Mualaf residents in Kampung Lembah Barokah Ciboleger (LBC), Bojong Menteng Village, Banten, through training in making brown sugar steamed cake made from Baduy sugar. The activity was carried out on January 28, 2025 and was attended by 18 housewives. This training uses the Participatory Action Research (PAR) and Asset-Based Community Development (ABCD) approaches which emphasize active community participation and the utilization of local potential. The training materials include techniques for making steamed cake, packaging, and simple marketing strategies. The results of the activity showed that the majority of participants were able to practice the techniques taught and showed interest in making it a home business. This training not only improves technical skills but also builds an entrepreneurial spirit. In conclusion, this training is effective in encouraging community-based economic empowerment and can be a model for developing micro-enterprises in similar areas.
Integrating Productive Zakat and Women's Empowerment to Achieve Sustainable Development Goals: A Path to Social Welfare and Economic Inclusion Zunaidi, Arif; Maghfiroh, Fachrial Lailatul; Mushlihin, Imam Annas; Natalina, Sri Anugrah
International Journal of Zakat Vol 10 No 1 (2025): International Journal of Zakat
Publisher : Center of Strategic Studies (PUSKAS) BAZNAS

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.37706/ijaz.v10i1.593

Abstract

This study aims to examine the role of integration of productive zakat and women's empowerment in achieving the Sustainable Development Goals (SDGs), focusing on the Kampung Zakat of Besole Village, fostered by BAZNAS Tulungagung Regency. Productive zakat, which is used as business capital for beneficiaries, combined with women's empowerment programs, aims to improve social welfare and economic inclusion. The research method uses a qualitative approach, with data collection through in-depth interviews, observations, and document analysis. The results of the study indicate that the integration of productive zakat and women's empowerment has a significant impact on increasing family income, access to education, and women's participation in local economic activities. In addition, this program also supports poverty reduction and gender inequality, which are part of the SDG targets. These findings emphasize the importance of productive zakat as an Islamic financial instrument that can contribute directly to sustainable development, especially in the context of women's empowerment in rural areas.
Fatwas, Religious Moderation, and Global Security: Examining the Intersection of Islamic Economic Jihad and Humanitarian Responses to the Israel-Palestine Conflict Zunaidi, Arif; Maghfiroh, Fachrial Lailatul; Azmi, Nurul Athirah Mohd
AL-TAHRIR Vol 25 No 1 (2025): Islamic Studies
Publisher : IAIN Ponorogo

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.21154/altahrir.v25i1.10042

Abstract

This research examines the implications of the Indonesian Ulema Council's (MUI) Fatwa No. 83 of 2023, which supports the Palestinian struggle against Israeli occupation, focusing on its theological foundations, the concept of religious moderation, and the dynamics of economic jihad through the boycott of Israeli products. Utilizing a qualitative approach, this study analyzes the fatwa's position within Islamic jurisprudence and its impact on global humanitarian responses to the Israel-Palestine conflict. The findings indicate that the fatwa serves as a non-violent instrument, promoting peace and human rights while advocating for humanitarian aid to Palestine through zakat, Infāq, and donations. It also highlights the potential effects on Indonesia's foreign policy, urging the government to take a firmer stance in international relations regarding Palestine. Furthermore, the study discusses the effectiveness of the boycott as an economic strategy and its moral implications, emphasizing the importance of addressing the humanitarian concerns of civilians in both Israel and Palestine. Overall, the fatwa reflects a balanced approach to supporting the Palestinian cause while adhering to the principles of moderation and compassion inherent in Islam.
Optimizing Liquidity Management in Islamic Banks: A Risk and Shariah Compliance Perspective Nikmah, Lailatun; Tri Wahyuni, Nelly Rizka; Kharisma, Weka Nur; Zunaidi, Arif
Syari'ah Economics Vol 9 No 1 (2025): Islamic Economic
Publisher : Fakultas Ekonomi dan Bisnis Islam, Universitas Islam Darussalam (UID) | Islamic University of Darussalam, Ciamis, Jawa Barat, INDONESIA

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.36667/se.v9i1.2223

Abstract

This study aims to determine the concept and role of optimizing liquidity management in Islamic banks. Liquidity management is a very important aspect of Islamic bank operations. Adequate liquidity is needed to meet short-term obligations and support business growth. The purpose of optimizing liquidity management, analyzing the concept and role of optimizing liquidity management in Islamic banks in Indonesia, given the importance of liquidity management in Islamic banks lies in its ability to meet financial obligations without violating sharia principles, so strategic steps are needed to anticipate liquidity risk. The method used in this study is conceptual analysis through literature review on liquidity strategy and funding structure in Islamic banks. The main findings indicate that effective liquidity management does not only focus on short-term aspects, but also includes long-term strategies related to funding structure, which is important for the sustainability and stability of the bank. The conclusion of this study is that liquidity management is a crucial foundation for the operations of Islamic banks. The effectiveness of this management not only ensures the fulfillment of short-term obligations in accordance with sharia principles, but also maintains customer confidence, mitigates risk, optimizes funds, and complies with regulations.
Co-Authors Abdul Qodir Zailani Abrahan, Amnisuhailah binti Aditya, Tony Afiyah, Anisa Nur Ahmad Syakur Ahmad Syakur Ahmada, Milla Ainina, Ananda Nur Aldila Septiana, Aldila Alfandi, Moh. Ali Samsuri Ali Samsuri, Ali Amrul Muttaqin, Amrul Ana Nur Oktavia Mutamimah Anam, Choiril Andriani Andriani Aprillia, Kinanti Dwi Arddiansyah, Firmanda Ardika, Rendi Asghori, Ahmad Azis Azmi, Nurul Athirah Mohd Bakri, Asri Ady Batavia, Meisya Andin Chofifah Indah Parawansyah Darmansyah Darmansyah Dina, Ulfi Dodi Setiawan, Dodi Setiawan Dzikrillah, Medina Lailatul El Muna, Naily Elisa Fitri Febriani Fachrial Lailatul Maghfiroh Fachrial Lailatul Maghfiroh Fachrial Lailatul Maghfiroh Fahimatul Ilmiyah Fahimatul Ilmiyah Fathurrokhim, Haedar Fawaid, M. Wildan Fitria, Maula Lailatul Fitrotul Bita Aulia Putri Frans Sudirjo Gamon, Alizaman Dumangcag Gunawan, Cameylia Salsabila Gusneli Gusneli Halimah, Siti Nur Hamida, Ulfi Dina Hendik Setiawan Hendik Setiawan Hevia Wahyu Khotimah Hevia Wahyu Khotimah Hidayah, Islamiati Husna, Siti Nuril Septaniatul Ignacia, Jessica Emery Imam Annas Mushlihin Izza Afia Qoirun N Jamaluddin Acmad Kholik Jamaludin A Khalik Janah, Sidanatul Juliana, Juliana Kharisma, Weka Nur Khoiriyati, Soibathul Kholik, Jamaluddin Acmad Kholik, Jamaludin A. Khusnun, Moch Saiful Kusumawardhani, Sayekti Indah Lailatun Nikmah Larasati, Novia Anggraeni Latif, Sahraman D. Hadii Latifah, Yunisa Shindi Laura, Tiffany Dewi Lestari, Novita Sri Lukman Hakim M. Miftahul fanani Maghfiroh, Fachrial Lailatul Maghfiroh, Facrial Lailatul Mahrus Suhardi Maupe, Masnur Daeng Mirza, Azrul Azlan Iskandar Misbahul Munir MOCH ZAINUDDIN, MOCH Moch. Zainuddin Moch. Zainuddin, Moch. Mochamad Alvido Zakaria Moh. Ary Laksana Moh. Asror Yusuf Mohammad Firdaus Al-Fattar, Mohammad Firdaus Al-Fattar Mohammad Ryan Badruzzaman, Mohammad Ryan Badruzzaman Mohd Azmi, Nurul Athirah MUHAMMAD AGIL Muslimah, Yosi binnatul Mutafarida, Binti Mutamimah, Ana Nur Oktavia Mutfarida, Binti Muyasaroh, Isyrohil Nabilla Ayu Febrianti Naning Fatmawatie, Naning Natalina, Sri Anugerah Nikmah, Fika Kemala Nilna Fauza Nisaul Karimah Nofirman, Nofirman Noh, Mohd Shahid Mohd Novia Anggraeni Larasati Nur Muhammad NURIL HIDAYATI Oktaria Ardika Putri Pinkytama, Nawalatus Reysma Pranata, Boy Alen Prihartini, Lely Yunita Puspitaningrum, Ririn Tri Putri, Firda Salsabila Sivana Putri, Fitria Dwi Risna Putri, Tia Rizka Rahardi, Deto Rahma Indika Rahmadanti, Utari Rahmah, Zakiyah Zulfa Rahmawati, Sintia Reviby Adam Nazalla Dhias Ribie, Maya Fransiska Risa Rahmah Risa Rahmah Rizqi, Al Zamzami Bahrur Rizqiyyah, Rifdah Nazilatul Robiatul Adawiyah Romansyah, Nano Rully Novie Wurarah Safitri Safitri Safitri, Lili Dwi Sahad Sakhdiyah, Sahad Sakhdiyah Saka, Dijan Novia Salma Salsabila Sariati, Ning Purnama Septiana, Arsiqum Yogi Setiawan, Firman Shilvi Nur Aidha W SHOLIKAH, MARATUS Sholikhah, Noviana Nur Sintia Rahmawati Sirajul Arifin Siti Mufidatul Azizah Siti Roudhoh Sodiq Almustofa Sri Anugerah Natalina Sri Anugerah Natalina Sri Anugrah Natalina Sri Anugrah Natalina Sri Anugrah Natalina Sri Anugrah Natalina, Sri Anugrah Sulistyowati Sulistyowati Sulistyowati Sulistyowati Tri Wahyuni, Nelly Rizka Ummu Kalsum Urfiatur Rohmi Setiani Urfiatur Rohmi Setiani Urfiatur Rohmi Setiani Utama, Yopi Yudha Vickesia Trisnasari Waeno, Mahamadaree Wahyuni, Meyla Tri Windyaningsi, Windyaningsi Yanto, Rafi Dwi YULIANI Yuliani Yuliani Yunani, Zerli Feni Zaenuddin, M. Zaini, Muhammad Zaki bin Haji Zainuddin, Moh. Zakiyatul Miskiyah Zionis, Rijal Mumazziq Zuraidah