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All Journal Jurnal Masharif al-Syariah: Jurnal Ekonomi dan Perbankan Syariah Journal of Artificial Intelligence and Digital Business
Yosy Arisandi
Universitas Islam Negeri Fatmawati Sukarno Bengkulu
Computer Science & IT Economics, Econometrics & Finance Electrical & Electronics Engineering Engineering Social Sciences

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Implementasi Strategi Bersaing BPRS Fadhilah dalam Meningkatkan Jumlah Nasabah Produk Tabungan Wadi’ah Menggunakan Porter Five Forces dan SWOT Analisis Tiwi Suvia; Yosy Arisandi; Katra Pramadeka
Jurnal Masharif al-Syariah: Jurnal Ekonomi dan Perbankan Syariah Vol 11 No 1 (2026)
Publisher : Universitas Muhammadiyah Surabaya

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.30651/jms.v11i2.31151

Abstract

The purpose of this study is to examine the implementation of competitive strategies of BPRS Fadhilah Bengkulu in increasing the number of customers of the wadi’ah savings product and to analyze the competitive environment using the Porter Five Forces approach and SWOT analysis. This research employs a descriptive qualitative approach with a field research method. The results show that the competitive strategy implemented by BPRS Fadhilah Bengkulu is carried out through improving service quality, implementing pick-up service, and offering savings products with affordable initial deposits and no monthly administrative fees. Based on the Porter Five Forces analysis, competition among Islamic financial institutions offering similar savings products is relatively intense. The threat of new entrants mainly comes from technology-based financial institutions; however, BPRS Fadhilah responds by prioritizing excellent service and direct interaction with customers. The bargaining power of customers in obtaining high-quality services encourages the bank to improve service quality and accessibility. The threat of substitute products comes from digital financial services, while the role of third parties (shareholders) supports the operational stability of the bank through financial support. Meanwhile, the SWOT analysis indicates that strengths lie in service convenience and the application of Islamic principles, weaknesses are related to limited facilities and public understanding, opportunities arise from payroll cooperation and promotion through social media, while threats come from increasing competition among financial institutions and the development of banking technology.
Peran dan Kompetensi Muthawif pada Kepuasan Layanan Jamaah Umrah pada PT. Amanah Safari Internasional (Asafi) Tour Bengkulu Hellannisa Alfidah; Yosy Arisandi; Makmur
Jurnal Masharif al-Syariah: Jurnal Ekonomi dan Perbankan Syariah Vol 11 No 2 (2026)
Publisher : Universitas Muhammadiyah Surabaya

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.30651/jms.v11i3.31796

Abstract

This study aims to analyze the role and competence of muthawif in relation to the satisfaction of Umrah pilgrims’ services at PT. Amanah Safari Internasional (ASAFI) Tour Bengkulu. The focus of this study includespilgrims’ experiences related to the role of the muthawif during theimplementation of Umrah,pilgrims’ perceptions of the muthawif competence, and the influence of these roles and competencies on pilgrims’ satisfaction, both emptionally and spiritually. This study employs a qualitative approach with a descriptive method. Data collection techniques include interviews, observation, and documentation. The results of the study indicate that, in general, pilgrims have a positive impression of the role of the muthawif. The muthawif is considered capable of providing clear, structured, and easily understood guidance in worship, as well as assisting pilgrims throughout the Umrah rituals in the Holy Land.In addition, the competence of the muhawif is considered good, as reflected in their mastery of Umrah materials, effective communication skills, and ability to handle various characteristics of pilgrims.The roles and competencies have been proven to significantly contribute to the level of pilgrims’ satisfaction, both in terms of service quality and the spiritual experience gained during the Umrah pilgrimage.
Strategi dan Dinamika Pelaksanaan Bimbingan Manasik Umrah dalam Meningkatkan Kesiapan Jamaah (Studi Kasus pada PT Wafdullah Tamu Mulia Cabang Bengkulu) Sri Wahyu Ningsih; Yosy Arisandi; Evan Stiawan
Jurnal Masharif al-Syariah: Jurnal Ekonomi dan Perbankan Syariah Vol 11 No 2 (2026)
Publisher : Universitas Muhammadiyah Surabaya

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.30651/jms.v11i3.31508

Abstract

The implementation of Umrah manasik guidance at PT Wafdullah Tamu Mulia Bengkulu Branch applies various strategies to prepare pilgrims, including systematic delivery of materials, practical simulations, personal approaches, the use of learning media, as well as mental and spiritual development. These methods aim to enhance the pilgrims’ understanding and readiness in performing the Umrah rituals. However, the instructors face several challenges related to the diverse backgrounds of the pilgrims, such as differences in educational levels, age, religious knowledge, and limited guidance time. These challenges require adjustments in teaching methods to effectively meet the needs of each pilgrim.
Analsis Kelayakan Usaha Mikro Pabrik Tahu dalam Perspektif Ekonomi Syariah (Studi Kasus di Desa Pematang Bango) Edwin Ramadhan; Yosy Arisandi; Syaifuddin Syaifuddin
RIGGS: Journal of Artificial Intelligence and Digital Business Vol. 5 No. 2 (2026): Mei-Juli
Publisher : Prodi Bisnis Digital Universitas Pahlawan Tuanku Tambusai

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.31004/riggs.v5i2.12650

Abstract

Penelitian ini bertujuan menganalisis kelayakan usaha mikro pabrik tahu di Desa Pematang Bango serta menilai kesesuaiannya dengan prinsip ekonomi syariah. Penelitian menggunakan pendekatan kualitatif deskriptif dengan informan yang terdiri atas pemilik usaha, karyawan, dan masyarakat sekitar. Data dikumpulkan melalui wawancara mendalam, observasi lapangan, dan dokumentasi, kemudian dianalisis melalui tahap reduksi data, penyajian data, serta penarikan kesimpulan. Penilaian kelayakan mencakup aspek pemasaran, teknis dan produksi, manajemen dan sumber daya manusia, hukum, sosial, lingkungan, dan finansial. Hasil penelitian menunjukkan bahwa usaha pabrik tahu layak dijalankan dan dikembangkan. Permintaan produk relatif stabil, target pasar telah terbentuk, bahan baku tersedia, dan proses produksi berjalan rutin. Pengelolaan tenaga kerja berlangsung cukup efektif, sedangkan kepemilikan Nomor Induk Berusaha, perizinan berusaha berbasis risiko, dan sertifikat halal memperkuat aspek hukum. Usaha juga memberikan manfaat sosial melalui penciptaan lapangan kerja dan peningkatan aktivitas ekonomi masyarakat, serta memiliki kondisi finansial yang mampu menutup biaya operasional dan menghasilkan keuntungan. Namun, aspek lingkungan masih memerlukan perbaikan, terutama dalam pengelolaan limbah cair, meskipun limbah padat telah dimanfaatkan sebagai pakan ternak. Dalam perspektif ekonomi syariah, usaha dinilai sesuai karena menggunakan bahan halal, menerapkan kejujuran dan keadilan dalam transaksi, menggunakan modal pribadi tanpa riba, serta memberikan kemaslahatan bagi masyarakat. Dengan demikian, usaha mikro pabrik tahu tersebut layak secara ekonomi dan selaras dengan prinsip ekonomi Islam.
Co-Authors Adelia Amanda Aji Dwiansyah Bagus Piansyah Edwin Ramadhan Evan Stiawan Hellannisa Alfidah Katra Pramadeka Khozin Zaki Kustin Hartini Makmur Sri Wahyu Ningsih Syaifuddin Syaifuddin Tiwi Suvia