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All Journal Jurnal Ekonomi Syariah Proceeding of International Conference on Humanity Education and Society
Indana Almas Azhar
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Humanities Economics, Econometrics & Finance Education Languange, Linguistic, Communication & Media Social Sciences Other

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IMPLEMENTASI SISTEM TANGGUNG RENTENG PADA PEMBIAYAAN LAYANAN BERBASIS JAMAAH (LASISMA) DALAM PERSPEKTIF FIQIH MUAMALAH DI BMT NU JAWA TIMUR CABANG CLURING BANYUWANGI Hikmah Nur Izza; Indana Almas Azhar
Jurnal Ekonomi Syariah Darussalam Vol. 5 No. 2 (2024): Agustus 2024
Publisher : Institut Agama Islam Darussalam Blokagung Banyuwangi

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.30739/jesdar.v5i2.3699

Abstract

One of the efforts of BMT NU to prosper the Indonesian economy in the micro-community sphere is by providing assistance in the form of financing Layanan Berbasis Jamaah (LASISMA), the realization of which is without collateral but implementing a system of Tanggung Renteng. jointly in the perspective of Fiqh Muamalah. This research uses a descriptive qualitative approach to the type of field research. The research location is at KSPPS. BMT NU East Java Cluring Banyuwangi Branch. Selection of informants with purposive sampling. Primary and secondary data sources. Data validity with source triangulation. Data analysis with miles and huberman. The results of the Tanggung Renteng system research on LASISMA financing use the kafalah bid-dayn contract which is in accordance with Islamic Civil law, namely Fiqh Muamalah, and the implementation of the Tanggung Renteng system at BMT NU Cluring Branch is applied when there are partners who are late in installments. The conclusion is that the Tanggung Renteng system is applied when there are arrears, as a solution for BMT NU and as a form of ta'awun among fellow members of the LASISMA group.
OPTIMALISASI STRATEGI PEMASARAN BMT UGT CABANG KALIBARU DALAM MENINGKATKAN MINAT MENABUNG ANGGOTA Ahmad Baihaqi; Indana Almas Azhar
International Conference on Humanity Education and Society (ICHES) Vol. 5 No. 1 (2026): The 5th International Conference on Humanity Education and Society (ICHES)
Publisher : FORPIM PTKIS ZONA TAPAL KUDA

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Abstract

The development of the Islamic economy in Indonesia has not been fully followed by optimal interest in saving in Islamic savings products, particularly due to limited financial literacy and the effectiveness of marketing strategies. This study aims to analyze the implementation of the marketing strategy of BMT UGT Kalibaru Branch and the social, cultural, and economic factors that influence members' interest in saving. The study used a descriptive qualitative approach to gain an in-depth understanding of marketing practices and members' perceptions of Islamic savings. The results show that members' interest in saving is positively influenced by trust in Islamic principles, a personalized marketing approach, and Islamic financial education, but is not optimal due to limited literacy, marketing resources, and limited use of digital marketing. Optimizing marketing strategies and strengthening Islamic financial education that is adaptive to the community's socio-religious characteristics has been proven to increase members' trust, loyalty, and interest in saving, despite still facing challenges such as limited resources and competition with other financial institutions.
Co-Authors Ahmad Baihaqi Hikmah Nur Izza