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M. Arif Musthofa
Institut Islam AL-Mujaddid Sabak
Education Languange, Linguistic, Communication & Media Mathematics Social Sciences Other

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Journal : Journal of Innovative and Creativity

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Strategi Pemasaran dalam Menarik Minat Beli Konsumen di Toko Busana Desa Air Hitam Laut Nur Asiah; M. Arif Musthofa; Khusnul Yatimah; Daud Daud; Siti Fatimah; Haeran Haeran
Journal of Innovative and Creativity Vol. 5 No. 2 (2025)
Publisher : Fakultas Ilmu Pendidikan Universitas Pahlawan Tuanku Tambusai

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.31004/joecy.v5i2.2091

Abstract

This study aims to determine the marketing strategies implemented by fashion stores in Air Hitam Laut Village and their effectiveness in attracting consumer purchasing interest. This study used a descriptive qualitative approach with data collection techniques through interviews, observation, and documentation. The research subjects consisted of store owners, employees, and regular and regular customers. The results indicate that the marketing strategies implemented include: (1) Product Strategy, namely providing a variety of clothing tailored to consumer needs and current fashion trends; (2) Pricing Strategy, through competitive pricing and seasonal discounts; (3) Promotion Strategy, carried out verbally and digitally such as word of mouth, WhatsApp, and Facebook; (4) Location Strategy, with stores strategically located on main roads and near densely populated residential areas; and (5) Service Strategy, in the form of friendly and communicative service, which strengthens consumer loyalty.
Peran Usaha Kuliner Lokal dalam Peningkatan Kesejahteraan Karyawan: Studi Kasus Rumah Makan Uda Nasrul Ruslan Ruslan; M. Arif Musthofa; Hasna Dewi; Erwina Kartika Devi; Daud Daud
Journal of Innovative and Creativity Vol. 5 No. 2 (2025)
Publisher : Fakultas Ilmu Pendidikan Universitas Pahlawan Tuanku Tambusai

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.31004/joecy.v5i2.2309

Abstract

The study purpose was to analyze the role of Rumah Makan Uda Nasrul in improving the welfare of its employees in Kelurahan Mendahara Ilir, Kecamatan Mendahara, Kabupaten Tanjung Jabung Timur. This study explores how a single small-scale food business can significantly contribute to the economic and social well-being of its workers, particularly in rural areas with limited employment opportunities. The focus is on income stability, working environment, and the indirect social benefits gained by the employees. Materials and methods. This research employed a descriptive qualitative method with data collected through observation, interviews, and documentation. Primary data were gathered from in-depth interviews with employees and the business owner, while secondary data included relevant documents and local employment statistics. The analysis used interactive techniques involving data reduction, data display, and conclusion drawing. The selection of Rumah Makan Uda Nasrul as the research site was based on its consistent employment of local labor and its established reputation within the community. Results. Click here and insert your text. Click here and insert your text. Click here and insert your text. The findings indicate that Rumah Makan Uda Nasrul provides a reliable monthly income ranging from Rp1,200,000 to Rp1,800,000 per employee, along with daily incentives and meal allowances. The work atmosphere is characterized by a strong sense of kinship, flexibility, and mutual respect. While formal social security programs like BPJS are not yet available, employees report increased financial independence, skill development, and improved quality of life due to stable employment. Conclusions. Rumah Makan Uda Nasrul plays a meaningful role in elevating employee welfare through stable income, a supportive work environment, and opportunities for informal learning. This case demonstrates how small local enterprises can serve as effective agents of community-based economic development.
Application of Ijarah Contract in Gold Pawning Practices at the Sharia Bank Gustiadi Herma Putra; M. Arif Musthofa; Hasnah Dewi; Kurniawan Kurniawan; Erwina Kartika Devi
Journal of Innovative and Creativity Vol. 5 No. 2 (2025)
Publisher : Fakultas Ilmu Pendidikan Universitas Pahlawan Tuanku Tambusai

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.31004/joecy.v5i2.3071

Abstract

The study purpose was to examine the implementation of the ijarah-based gold pawning product at Bank Syariah Indonesia (BSI) Jambi Branch, focusing on its operational procedures, appraisal process, and compliance with Sharia principles. Materials and methods. This research used a qualitative descriptive method, gathering primary data through in-depth interviews with branch officers and direct observation, supported by secondary data from official documents and relevant literature. Results. The findings reveal that BSI applies a multi-contract (uqud murakkabah) scheme consisting of rahn, qardh, and ijarah, in full compliance with Fatwa DSN-MUI No. 26/DSN-MUI/III/2002. Gold appraisal is carried out by certified appraisers using modern equipment and daily market price references. The ujrah fee is determined at the start of the contract and remains unchanged until maturity, ensuring fairness (al-‘adl) and legal certainty (al-yaqin). Security measures include a dedicated vault with a dual control system and the use of PWG Monitoring technology to enhance efficiency and accountability. However, some members of the public still misinterpret the ujrah fee as being equivalent to interest in conventional pawn systems, indicating the need for enhanced public education on Islamic financial principles. Conclusions. The ijarah-based gold pawning product at BSI Jambi Branch is proven to be an effective, secure, and Sharia-compliant financing solution, with strong potential to be developed further as an inclusive and sustainable Islamic financial instrument.
Implementasi Sistem Bagi Hasil Kebun Kelapa Perspektif Hukum Ekonomi Islam (Studi Kasus di Kebun Bapak Karimun Desa Kuala Lagan Kecamatan Kuala Jambi) Dewa Saputra; M. Arif Musthofa; Zeni Sunarti; Kurniawan Kurniawan; Triyana Wulandari; Hasna Dewi
Journal of Innovative and Creativity Vol. 5 No. 2 (2025)
Publisher : Fakultas Ilmu Pendidikan Universitas Pahlawan Tuanku Tambusai

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.31004/joecy.v5i2.3139

Abstract

The purpose of this study was to determine the implementation of the profit-sharing system in Mr. Karimun's coconut plantation in Kuala Lagan Village, Kuala Jambi District, and to analyze the profit-sharing system from an Islamic economic perspective. This study employed a qualitative approach with descriptive methods. The data collected in this study were primary and secondary sources. The techniques used by the researcher to obtain objective and valid data or information were observation, interviews, and documentation. The data analysis process consisted of three main components: data reduction, data presentation, and verification (conclusions). The conclusion obtained is that the profit-sharing system is carried out with a general profit-sharing pattern of 50:50 or according to contribution, the coconut plantation profit-sharing system is implemented verbally based on mutual trust at Mr. Karimun's Garden in Kuala Lagan Village, Kuala Jambi Regency. Although this collaboration boosts the economy and strengthens social ties, it is still administratively ineffective because there is no formal or written agreement and costs and results are not recorded transparently. From the perspective of Islamic economic law, the profit-sharing system of coconut plantations at Mr. Karimun's Garden in Kuala Lagan Village is basically permissible (mubah) as long as it involves mutual agreement (taradhi) and avoids fraud or injustice. However, because several things are not in line with Islamic values ​​of the protection of rights, justice, and clarity in the agreement, such as the absence of written records that outline rights and responsibilities and a more logical way to distribute resources, this practice needs to be improved and strengthened to be more in line with Sharia teachings, which emphasize justice, legal clarity, and the protection of all individuals involved
Co-Authors Daud Daud Dewa Saputra Erwina Kartika Devi Gustiadi Herma Putra Haeran Haeran Hasna Dewi Hasnah Dewi Khusnul Yatimah Kurniawan Kurniawan Nur Asiah Ruslan Ruslan Siti Fatimah Triyana Wulandari Zeni Sunarti