Article Per Year (5 Year)
p-Index From 2021 - 2026
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This Author published in this journals
All Journal Journal of Ekonomics, Finance, and Management Studies
Rifqi Muthoharul Janan
UIN Siber Syekh Nurjati Cirebon
Religion Economics, Econometrics & Finance

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Implementasi Marketing Syari’ah dan Inovasi Produk dalam Meningkatkan Kinerja UMKM di Kecamatan Talun Kabupaten Cirebon Abdul Rosyid; Rifqi Muthoharul Janan; Udin Komarudin; Enceng Iip Syaripdin; Kiki Rofi’ah Alawiyah
El-Mal: Jurnal Kajian Ekonomi & Bisnis Islam Vol. 7 No. 1 (2026): El-Mal: Jurnal Kajian Ekonomi & Bisnis Islam
Publisher : Intitut Agama Islam Nasional Laa Roiba Bogor

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.47467/elmal.v7i1.10673

Abstract

This study aims to describe the implementation of sharia marketing and product innovation in an effort to improve the performance of MSMEs in Talun District, Cirebon Regency. The focus of the research is directed toward an in-depth understanding of marketing practices based on sharia values, the forms of product innovation developed, and how these two aspects contribute to improving business performance. The research method employed is a qualitative approach with a case study design, using data collection techniques such as in-depth interviews, observation, and documentation with MSME actors selected through purposive sampling. Data analysis was carried out through the stages of data reduction, data presentation, and conclusion drawing. The results of the study show that sharia marketing is implemented by MSMEs through the principles of honesty, transparency, friendly service, and the avoidance of practices that harm consumers. Product innovation is carried out through design improvements, enhanced material quality, product diversification, and adjustments to local market needs. These two strategies have been proven to strengthen customer trust, increase competitiveness, and encourage sales growth and business stability. This study emphasizes that integrating sharia values with product innovation is a strategic step for MSMEs in facing the dynamics of business competition. These findings are expected to serve as a reference for MSME practitioners, business facilitators, and policymakers in formulating MSME empowerment programs based on sharia principles and sustainable innovation.
Peran Literasi dan Inklusi Keuangan Syariah dalam Meningkatkan Kinerja UMKM di Kabupaten Kuningan Rifqi Muthoharul Janan; Abdul Rosyid; Ayus Ahmad Yusuf; Dewi fatmasari
El-Mal: Jurnal Kajian Ekonomi & Bisnis Islam Vol. 7 No. 1 (2026): El-Mal: Jurnal Kajian Ekonomi & Bisnis Islam
Publisher : Intitut Agama Islam Nasional Laa Roiba Bogor

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.47467/elmal.v7i1.10863

Abstract

This study aims to analyze the role of Islamic financial literacy and Islamic financial inclusion in improving the performance of Micro, Small, and Medium Enterprises (MSMEs) in Kuningan Regency. The research employs a descriptive qualitative approach, focusing on the understanding, experiences, and practices of MSME actors in accessing and utilizing Islamic financial services. Data were collected through in-depth interviews, observations, and documentation involving MSME actors, Islamic financial institutions, and related stakeholders. The findings indicate that Islamic financial literacy plays a crucial role in shaping MSME actors’ understanding of Sharia-based transaction principles, thereby encouraging business decision-making that aligns more closely with values of justice and sustainability. Islamic financial inclusion also makes a tangible contribution through easier access to financing, savings products, and other Islamic financial services that support improved business performance. Nevertheless, several challenges remain, including limited understanding, insufficient socialization, and unequal access to Islamic financial services. This study concludes that strengthening Islamic financial literacy and expanding Islamic financial inclusion are strategic factors in enhancing MSME performance in Kuningan Regency. Therefore, synergy among local governments, Islamic financial institutions, and MSME actors is required to promote the development of competitive MSMEs grounded in Sharia principles.
Co-Authors Abdul Rosyid Ayus Ahmad Yusuf Dewi fatmasari Enceng Iip Syaripdin Kiki Rofi’ah Alawiyah Udin Komarudin