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Gusril Basir
Ekonomi dan Bisnis Islam, UIN Sjech M. Djamil Djambek Bukittinggi

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ANALISIS EFEKTIVITAS PEMBIAYAAN MURABAHAH DALAM PERTUMBUHAN UMKM DI BMT AL-HIJRAH BUKITTINGGI Putri Daulay; Gusril Basir
BORJUIS: JURNAL OF ECONOMY Vol. 3 No. 1 (2025): BORJUIS: JURNAL OF ECONOMY
Publisher : Adisam Publisher

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Abstract

Murabahah financing is a form of sharia-based financing carried out through a sale and purchase agreement with an agreed profit margin. This study uses a descriptive qualitative approach, with data collection through interviews, observations, and documentation. The results of the study indicate that murabahah financing at BMT Al-Hijrah Bukittinggi is effective in supporting the growth of MSMEs. This is reflected in the increase in income, expansion of business scale, and business stability of MSME members receiving financing. The implementation of this financing complies with sharia principles, with supervision and monitoring carried out periodically to ensure the use of funds according to purpose. This study concludes that murabahah financing not only plays a role in improving the economy of MSME actors, but also strengthens the contribution of BMT as a sharia financial institution in community- based economic development.
STRATEGI PEMASARAN PRODUK TABUNGAN EMAS di PT. PEGADAIAN UPC LUBUK SIKAPING Mona Liza; Gusril Basir
BORJUIS: JURNAL OF ECONOMY Vol. 3 No. 1 (2025): BORJUIS: JURNAL OF ECONOMY
Publisher : Adisam Publisher

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Abstract

Marketing strategy will be very important because it is equally known that one of the goals of a business is to get many customers because it can increase the income of a business. The purpose of this study is to determine the marketing strategy of gold savings products of PT. Pegadaian UPC Lubuk Sikaping. In this writing, the research used is field research (field research) which is descriptive qualitative with data collection through observation, interviews and documentation. Researchers in this study tried to analyze the strategy used by PT. Pegadaian UPC Lubuk Sikaping in increasing the number of customers. The results of this study, PT. Pegadaian UPC Lubuk Sikaping in increasing the number of customers with the marketing strategy used, namely the Marketing Mix Strategy consisting of 7P, Product, Price, Place, Promotion, People, Process, and Physical Evidence.
Co-Authors Mona Liza Putri Daulay