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All Journal Al-Kharaj: Jurnal Ekonomi, Keuangan & Bisnis Syariah RESLAJ: Religion Education Social Laa Roiba Journal Journal of Ekonomics, Finance, and Management Studies Jurnal Organisasi dan Manajemen Indonesia
Yoiz Shofwa Shafrani
Universitas Islam Negeri Prof. K.H. Saifuddin Zuhri Purwokerto
Religion Agriculture, Biological Sciences & Forestry Decision Sciences, Operations Research & Management Economics, Econometrics & Finance Education Environmental Science Industrial & Manufacturing Engineering Social Sciences

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Efektivitas Penerapan Direct Marketing Pada Penjualan Rekening Rencana Tabungan SIMAS Haji Bank Sinarmas Syari’ah KCP Purwokerto Mirna; Yoiz Shofwa Shafrani; Riza Yuliana Rosandi; Winda Prayekti
JOMI: Jurnal Organisasi dan Manajemen Indonesia Vol 2 No 1 (2024)
Publisher : CV. MEDIA PENA MANDIRI

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Abstract

Seiring dengan perkembangan lembaga keuangan syariah di Indonesia semakin banyak bank yang bersaing dalam dunia perbankan. Salah satunya yaitu Bank Sinarmas Syariah, Bank Sinarmas Syariah merupakan Bank Penerima Setoran Biaya Penyelenggaran Ibadah Haji (BPS BPIH) yang memiliki kewenangan untuk menerima setoran dana biaya haji dari nasabah. Strategi pemasaran yang dilakukan untuk mendapatkan nasabah yaitu direct marketing atau pemasaran langsung dimana pihak bank sinarmas melakukan kontak secara langsung pada calon nasabah. Penelitian ini akan melihat bagaimana efektivitas Bank Sinarmas Syariah Purwokerto dalam menerapakan strategi pemasaran direct marketing dalam menjangkau seluruh daerah pemasarannya. Metode penelitian ini menggunakan analisis deskriptif kualitatif dengan pendekatan studi kasus. Penelitian ini dilaksanakan di Bank Sinarmas Syariah Kantor Cabang Purwokerto. Strategi direct marketing ini cukup efektiv dalam penjualan rekening rencana tabungan simas haji.
Peran Perbankan Syariah dalam Mendampingi Pengembangan Usaha Mikro Kecil dan Menengah Melalui Halal Center di Purbalingga Faradias Umayroh; Yoiz Shofwa Shafrani; Shodikoh Dwi Anggraeni; Tiyas Budiarti
JOMI: Jurnal Organisasi dan Manajemen Indonesia Vol 2 No 2 (2024)
Publisher : CV. MEDIA PENA MANDIRI

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Abstract

Bank syariah mengumpulkan dan mendistribusikan uang sesuai dengan syariah, berdasarkan gagasan bahwa bank berfungsi sebagai perantara ekonomi. Bisnis halal adalah berbagai bentuk usaha yang dilakukan atas bantuan pemerintah terhadap orang-orang yang melakukan aktivitas keuangan berdasarkan hukum yang diperbolehkan syara. Salah satu kumpulan pelaku usaha di bidang halal yang memberikan kontribusi signifikan terhadap penciptaan lapangan kerja di Indonesia adalah Miniatur, Usaha Kecil dan Menengah (UMKM). Dengan demikian, daerah setempat, terutama yang mempunyai kemampuan dan kemampuan finansial yang rendah, sangat membutuhkan UMKM. Halal Place adalah kantor yang memberikan dukungan, penelitian, dan kemampuan berbeda kepada bos halal terkait dengan sertifikat halal. Berdasarkan penilaian terhadap pelaku UMKM, maka penjajakan berpusat pada kemampuan bank syariah dalam memajukan pengembangan bisnis halal melalui Komunitas Halal di PT BPRS Buana Mitra Perwira Purbalingga. Berdasarkan penilaian terhadap pelaku UMKM, maka di1lakukan tinjauan Tujuan dari postulasi ini adalah untuk mengetahui kemampuan PT BPRS Buana Mitra Perwira melalui Komunitas Halal. Strategi pemeriksaan subyektif digunakan dalam tinjauan ini. Penelitian lapangan adalah jenis studi yang diarahkan untuk proposal ini. Untuk mengumpulkan data, sumber data primer dan sekunder digunakan. Data dikumpulkan dalam penelitian ini melalui wawancara, kuesioner, dan dokumentasi. Sementara itu, penurunan informasi, tayangan informasi, dan penyusunan akhir merupakan strategi pemeriksaan informasi yang digunakan. Penemuan selanjutnya adalah eksplorasi: kemampuan bank syariah sebagai perantara, khususnya dengan item Mitra dan Rekan Barokah, dalam bekerja. dengan pengembangan kawasan halal melalui Halal Place di PT BPRS Buana Mitra Perwira Purbalingga. Keterlibatan bank syariah belum sepenuhnya memberikan manfaat bagi upaya Halal Center dalam mendorong perluasan bisnis halal. Dengan diluncurkannya Komunitas Halal ini, para pelaku UMKM – baik bankir maupun non nasabah PT BPRS Buana Mitra Perwira Purbalingga – melihat sosialisasi belum cukup dilakukan karena masih banyak masyarakat yang belum mengetahuinya.
The Keseimbangan Pasar: Telaah Etika Bisnis Al-Maqrīzī terhadap Flash Sale di TikTok Shop Ahmad Romdhoni; Yoiz Shofwa Shafrani; Muhammad Fathurrizqi Arief
Al-Kharaj: Jurnal Ekonomi, Keuangan & Bisnis Syariah Vol. 8 No. 4 (2026): Al-Kharaj: Jurnal Ekonomi, Keuangan & Bisnis Syariah
Publisher : Intitut Agama Islam Nasional Laa Roiba Bogor

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.47467/alkharaj.v8i4.10454

Abstract

The phenomenon of flash sales on TikTok Shop has significantly revolutionized consumption patterns in Indonesia by offering massive discounts within strictly limited timeframes. While economically efficient for driving sales volume, this aggressive marketing strategy often encourages impulsive behavior among consumers, which, from an Islamic perspective, can be categorized as isrāf (wastefulness) and exposes transactions to gharar (uncertainty/ambiguity). This study aims to deeply analyze the influence of discount euphoria on consumption behavior and its ethical implications through the classical economic lens of Al-Maqrīzī. Using a qualitative descriptive method with a library research approach, this study critically analyzes Al-Maqrīzī's masterpiece, Ighāthat al-Ummah bi-Kashf al-Ghummah, and juxtaposes it with contemporary digital market phenomena (2019-2025). The results indicate that the euphoria of flash sales creates an illusion of need, driving consumption behavior that contradicts the Islamic principles of I’tidāl (moderation) and ‘adl (justice). In Al-Maqrīzī’s view, such practices reflect a loss of moral control in the market, similar to the economic distortions of the Mamluk era. Consequently, this study suggests that Al-Maqrīzī’s thought provides a vital foundation for building an ethical digital economy through the implementation of a digital hisbah mechanism, enhanced Islamic consumption literacy, and strict regulations to ensure transparency and justice in online transactions.
Etika Sosial dan Spiritualitas Ekonomi Digital dalam Perspektif Muhammad Nejatullah Siddiqi pada Era Media Sosial Zuhrul Anam; Tri Aldi Winata; Yoiz Shofwa Shafrani
Reslaj: Religion Education Social Laa Roiba Journal Vol. 8 No. 5 (2026): RESLAJ: Religion Education Social Laa Roiba Journal
Publisher : Intitut Agama Islam Nasional Laa Roiba Bogor

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.47467/reslaj.v8i5.10482

Abstract

The rapid development of the digital economy and social media has fundamentally transformed the landscape of global economic interactions. However, this transformation has also triggered serious ethical issues, such as the prevalence of online fraud, aggressive materialist practices, loss of privacy, and the erosion of social cohesion due to unhealthy competition. This study aims to analyze the relevance of Muhammad Nejatullah Siddiqi's thoughts on social ethics and economic spirituality as a solution to the moral crisis in the context of the current digital era. This research utilizes a qualitative descriptive method with a library research approach, where data is collected from Siddiqi’s primary works and analyzed using content analysis to be contextualized with contemporary digital phenomena. The results indicate that Siddiqi's conceptual framework-anchored in Tawhid (unity of God), Adl (distributive justice), and Ukhuwah (universal brotherhood)-serves as a critical framework for mitigating the negative impacts of digital transactions. In this perspective, economic activities on social media must not merely act to maximize material profit but must also uphold spiritual values and the common good (maslahah). Siddiqi emphasizes that economic spirituality functions as an effective internal control mechanism to prevent exploitative and manipulative behavior. The study concludes that integrating Siddiqi’s ethical perspective into digital economic literacy is urgent to create a business ecosystem that is not only technologically efficient but also healthy, just, and humane.
Etika Bisnis Islam Perspektif Al-Ghazali dalam Era Transformasi Digital: Analisis Relevansi pada Platform Shopee Mar’atus Solikhah; Yoiz Shofwa Shafrani; Timbang Apit Afifah
El-Mal: Jurnal Kajian Ekonomi & Bisnis Islam Vol. 7 No. 3 (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.v7i3.10409

Abstract

The digital transformation of e-commerce has dramatically reshaped Indonesia’s business landscape, with transaction values projected to reach USD 80 billion by 2025. Nevertheless, this rapid expansion has simultaneously produced critical ethical challenges, including price manipulation, exploitation of personal data, and structural injustice that disadvantages MSME actors. This study aims to analyze the relevance of Islamic business ethics norms from Al-Ghazali’s perspective within the context of the Shopee platform and to formulate applicable strengthening strategies. Utilizing a qualitative method through a literature-based approach examining Al-Ghazali’s works and 45 contemporary studies (2015–2025), this research investigates four fundamental principles of Islamic business ethics: mashlahah (public benefit), niyyah (sincere intention), sidq (honesty), and ‘adl (justice). The findings reveal that the implementation of these principles through features such as rating systems, product reviews, and dispute-resolution centers can enhance consumer protection by up to 65%. However, significant obstacles remain, including uneven product transparency (40%), misuse of reviews (15–20%), and the dominance of profit-driven motives (70%). The study proposes five key strategic recommendations: digital ethics education, AI-Blockchain-based verification systems, integration of mashlahah into recommendation algorithms, multi-stakeholder collaboration, and the development of an Islamic Business Ethics Index (IBEI). Consistent implementation of Al-Ghazali’s ethical principles is expected to foster an e-commerce ecosystem that is equitable, transparent, and oriented toward collective welfare.
Co-Authors Ahmad Romdhoni Faradias Umayroh Mar’atus Solikhah Mirna Muhammad Fathurrizqi Arief Riza Yuliana Rosandi Shodikoh Dwi Anggraeni Timbang Apit Afifah Tiyas Budiarti Tri Aldi Winata Winda Prayekti Zuhrul Anam