Article Per Year (5 Year)
p-Index From 2021 - 2026
0.408
P-Index
This Author published in this journals
All Journal International Journal of Islamic Business Management
Khairani Sakdiah
Institut Jam’iyah Mahmudiyah Langkat
Economics, Econometrics & Finance

Published : 2 Documents Claim Missing Document
Claim Missing Document
Check
Articles

Found 2 Documents
Search

 1 
THE INFLUENCE OF PROMOTION IN DECISION-MAKING TO BECOME A HAJJ SAVINGS CUSTOMER AT BANK SYARIAH INDONESIA KCP PANGKALAN BRANDAN Sri Wahyuni; Khairani Sakdiah; Nova Arma Dwi
INTERNATIONAL, Journal of Sharia Business Management Vol 5 No 3 (2026)
Publisher : CV. Barokah Publsiher

Show Abstract | Download Original | Original Source | Check in Google Scholar

Abstract

The development of Islamic banking in Indonesia has shown significant growth in line with the increasing awareness of the Muslim community in utilizing Sharia-based financial products. One of the superior products offered by Islamic banks is Hajj Savings, which functions as a financial planning instrument to carry out the Hajj. The public's decision to become a customer of Hajj savings is influenced by several factors, one of which is promotion. Promotion plays an important role in conveying information, building understanding, and forming a positive perception of hajj savings products offered by Islamic banks. This study aims to analyze the influence of promotion on the decision to become a hajj savings customer at Bank Syariah Indonesia (BSI) KCP Pangkalan Brandan. This study uses a quantitative approach using an associative method. The population consists of all hajj savings customers at BSI KCP Pangkalan Brandan, with a sample of 80 respondents selected through purposive sampling. Data were collected using questionnaires based on the Likert scale and analyzed through validity tests, reliability tests, classical assumption tests, and simple linear regression analysis using SPSS. The results of the study show that promotions have a positive and significant effect on the decision to become a Hajj savings customer. Therefore, an effective and sustainable promotion strategy is very important to increase public interest in choosing hajj savings products at BSI KCP Pangkalan Brandan.
THE EFFECTIVENESS OF MURABAHAH FINANCING IN IMPROVING THE WELFARE OF MSMES IN BABALAN DISTRICT Yopi Suhanda; Khairani Sakdiah
INTERNATIONAL, Journal of Sharia Business Management Vol 5 No 1 (2026): March
Publisher : CV. Barokah Publsiher

Show Abstract | Download Original | Original Source | Check in Google Scholar

Abstract

This study aims to analyze the effectiveness of murabahah financing in improving the welfare of Micro, Small, and Medium Enterprises (MSMEs) in Babalan District. MSMEs often face financial constraints such as funding mismatches, complicated credit procedures, and high transaction costs. As a solution, the Islamic banking system through murabahah contracts offers a riba-free financing scheme that is considered fairer and safer for small business actors. This research employs a qualitative descriptive approach, utilizing data analysis of MSME income levels. The results indicate that murabahah financing is effective in increasing the income and welfare of MSME actors in Babalan District. Empirical data shows that business owners who utilize murabahah financing—particularly in the culinary, service, and trade sectors—experience more significant income growth compared to those relying solely on personal capital. This increase is driven by additional working capital used for raw materials and business equipment procurement. The study concludes that access to fair Sharia financing is a key factor in encouraging business expansion and the household economic stability of MSME actors at the local level.
Co-Authors Nova Arma Dwi Sri Wahyuni Yopi Suhanda