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All Journal Indonesian Journal of Islamic Economics and Business Ascendia: Journal of Economic and Business Advancement Journal of Cross Knowledge
Peni Haryanti
Universitas Hasyim Asy’ari
Religion Decision Sciences, Operations Research & Management Economics, Econometrics & Finance Social Sciences

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Pengalaman Praktis Anggota GIBEI dalam Memahami Mekanisme Investasi Syariah Syahru Ramadlan Alghofar; Peni Haryanti
Journal of Economic and Business Advancement Vol. 1 No. 2 (2025): December: Ascendia: Journal of Economic and Business Advancement
Publisher : CV SCRIPTA INTELEKTUAL MANDIRI

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.65310/nbp8aj68

Abstract

This study aims to explore the practical experiences of members of the Galeri Investasi Bursa Efek Indonesia (GIBEI) in understanding sharia-compliant investment mechanisms. The background of this research is the rapid development of the Islamic capital market in Indonesia that is not always followed by adequate literacy among university students as prospective investors, especially regarding the differences between conventional and sharia investment instruments. Using a qualitative descriptive approach, this study focuses on GIBEI members at an Islamic university who are actively involved in training, simulations, and real trading of sharia stocks. Data were collected through in-depth interviews with GIBEI members, mentors, and capital market educators, participatory observation in training and simulation sessions, and documentation of learning modules and trading records). Data analysis was conducted through stages of data reduction, data display, and conclusion drawing with source triangulation to ensure validity.  The findings indicate that GIBEI members have strengthened their understanding of Islamic investment through an integration of theoretical learning and practical experience, fostering prudence and the ability to critically assess financial instruments based on principles of Sharia compliance. This experience has shaped them into young investors who are more competent and uphold strong integrity in applying Islamic values within their investment practices
From Interest to Commitment: Examining Customer Adoption of LTI Berkah Emas at PT BPR Syariah Lantabur Tebuireng Lailatul Maghfiroh Putri Rifardi; Athi' Hidayati; Peni Haryanti; Kusnul Ciptanila Yuni K
Indonesian Journal of Islamic Economics and Business Vol. 11 No. 1 (2026): Indonesian Journal of Islamic Economics and Business
Publisher : Fakultas Ekonomi dan Bisnis Islam UIN STS Jambi

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.30631/ijoieb.v11i1.6150

Abstract

This study examines the low adoption rate of gold installment products at PT BPR Syariah Lantabur Tebuireng, where actual sales amounted to only 50% of the target, with a customer adoption rate of 0.19% out of 68,551 customers (August–November 2025). Using PLS-SEM with 100 respondents, the results show that trust is the most dominant factor in driving investment interest (β = 0.666), followed by perceived usefulness (β = 0.216), and investment interest was found to significantly influence purchase decisions (β = 0.265). This model explains 51.9% of the variance in investment interest and 7.0% of the variance in purchase decisions. Theoretically, these findings enrich the integration of the Theory of Planned Behavior (TPB), Technology Acceptance Model (TAM), and Trust Theory within Islamic microfinance, affirming that trust (amanah) functions as the dominant predictor connecting Sharia-compliant product perception with actual investment participation. Practically, BPR Syariah Lantabur Tebuireng is advised to prioritize trust-building programs by enhancing the role of the Sharia Supervisory Board and ensuring transparent product communication. Further research is recommended to include variables such as religiosity and financial literacy, as well as to expand the sample to various Sharia BPR institutions.
Strategi Pemasaran Produk Tabungan Dengan Akad Mudharabah Muthlaqah: Studi Kasus di KSPPS BMT NU Cabang Kesamben Jombang) Muhammad Hilmi Rosyadi; Peni Haryanti
Journal of Cross Knowledge multi science
Publisher : edujavare

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.70610/jck.v1i2.133

Abstract

Penelitian ini dilatarbelakangi oleh peningkatan nasabah setiap tahun di BMT NU, namun dihadapkan pada permasalahan ketidakpahaman masyarakat tentang produk keuangan syariah karena lembaga tersebut relatif baru dan karyawan-karyawan yang tidak memiliki latar belakang perbankan. Tujuan penelitian ini adalah untuk mengetahui mekanisme dan strategi pemasaran produk tabungan di KSPPS BMT NU Kesamben Jombang. Metode penelitian yang digunakan adalah kualitatif dengan pendekatan deskriptif, menggunakan teknik pengumpulan data seperti observasi, wawancara, dan dokumentasi. Hasil penelitian menunjukkan bahwa BMT NU menggunakan strategi pemasaran dengan akad mudharabah muthlaqah dan menerapkan konsep marketing mix 7P. Penyampaian produk tabungan dilakukan secara benar sesuai dengan prinsip-prinsip syariah.
Strategi Penyelesaian Pembiayaan Mudharabah Bermasalah Di Lembaga Keuangan Syariah Dalam Perspektif Islamic Business Ethics : Studi di KSPPS BMT Bina Ummat Sejahtera Cabang Cukir Mochamad Fahrir Mahzudin; Peni Haryanti
Journal of Cross Knowledge multi science
Publisher : edujavare

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.70610/jck.v1i2.143

Abstract

Penelitian ini dilator belakangi oleh meningkatnya pembiayaan bermasalah dalam pembiayaan mudharabah di KSPPS BMT BUS Cabang Cukir. Peningkatan pembiayaan bermasalah berdampak pada pendapatan lembaga keuangan, sehingga diperlukan strategi penyelesaian yang sesuai dengan etika bisnis Islam. Meskipun pembiayaan adalah kegiatan utama bank untuk mendapatkan keuntungan, terdapat risiko yang dapat menyebabkan kerugian, salah satunya adalah risiko pembiayaan bermasalah. Oleh karena itu, penelitian ini bertujuan untuk mengidentifikasi faktor penyebab pembiayaan bermasalah pada pembiayaan mudharabah dan menemukan strategi penyelesaiannya yang sesuai dengan etika bisnis Islam. Metode kualitatif dengan pendekatan deskriptif digunakan dalam penelitian ini dengan menggunakan data primer dan sekunder. Hasil penelitian menunjukkan bahwa faktor penyebab pembiayaan bermasalah meliputi faktor internal dan eksternal, seperti lemahnya pengawasan dan pemantauan, penurunan omset usaha nasabah, dan musibah yang dialami oleh nasabah dengan menerapkan penagihan melalui 3R yang sesuai dengan prinsip etika bisnis Islam.
Co-Authors Athi' Hidayati Kusnul Ciptanila Yuni K Lailatul Maghfiroh Putri Rifardi Mochamad Fahrir Mahzudin Muhammad Hilmi Rosyadi Syahru Ramadlan Alghofar