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All Journal Journal of Governance Ekonomica Sharia: Jurnal Pemikiran dan Pengembangan Ekonomi Syariah Journal of Shariah Economics PAPUA: International Journal of Sharia Business Management
Ita Marianingsih
Sekolah Tinggi Agama Islam Al-Utsmani Bondowoso
Religion Economics, Econometrics & Finance Education Social Sciences Other

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STRATEGI PEMASARAN PRODUK TABUNGAN SABAR DALAM MENINGKATKAN JUMLAH DANA PIHAK KETIGA DI KSPPS BMT NU CABANG JAMBESARI DARUS SHOLAH Ainur Rohmah; Ita Marianingsih
JOURNAL OF SHARIA ECONOMICS Vol 7 No 1 (2025): Jounal of Sharia Economics
Publisher : Program Studi Ekonomi Syariah, Fakultas Ekonomi dan Bisnis Islam, Universitas Al Hikmah Indonesia

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.35896/jse.v7i1.1000

Abstract

KSPPS BMT NU Jambesari Darus Sholah Branch is a business entity engaged in fundraising and fund distribution, has several products offered in the form of savings and financing. In this article, the researcher focuses on savings products at BMT NU Jambesari Darus Sholah Branch, one type of several savings products available, with the provision that this type of savings product has a fairly large profit share compared to other savings products, which is 55% and withdrawals can only be made during the month of Ramadan, with an initial deposit of IDR 10,000 and a minimum of IDR 5,000 for subsequent deposits without any element of coercion when saving. This savings is held to make it easier for people to meet their needs before Eid, this type of savings is known as Eid savings or SABAR, the purpose of this study is to find out what strategies are used in marketing SABAR savings products so that they become superior products and can increase the amount of third party funds at BMT, by using qualitative methods with a case study approach to find out more deeply about the marketing strategies used, thus it was obtained that BMT NU Jambesari Darus Sholah Branch uses the 4P strategy, namely product, price, place, and promotion. in marketing the products they offer while still adhering to the principles of Islamic teachings based on the Qur'an and the Sunnah.
Green Islamic Finance: Sustainable Financing Strategies from the Perspective of Maqasid al-Shariah Ita Marianingsih
PAPUA: International Journal of Sharia Business Management Vol. 2 No. 1 (2025): (JUNI) PAPUA: INTERNATIONAL JOURNAL OF SHARIA BUSINESS MANAGEMENT
Publisher : Study Program of Sharia Business Management , Faculty of Islamic Economics and Business

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.53491/papua.v2i1.1778

Abstract

This study explores the integration of maqāṣid al-sharīʿah (the higher objectives of Islamic law) into green Islamic finance as a response to the growing global call for sustainable economic models. Despite increasing discourse on sustainable finance, the operationalization of environmental ethics within the Islamic financial system remains underdeveloped. The research addresses this gap by examining how key maqāṣid principles such as the preservation of life (ḥifẓ al-nafs), wealth (ḥifẓ al-māl), and the environment (ḥifẓ al-bi’ah) can guide the development of Shariah-compliant green financial instruments. Using a qualitative, exploratory research design, data were collected through in-depth interviews with Islamic finance scholars and practitioners, along with document analysis of regulatory fatwas and sustainability reports. Thematic analysis revealed four key findings: strategic alignment between Shariah and environmental goals; institutional innovation and readiness; persistent barriers in regulation, culture, and knowledge; and the potential of a maqasid-based model to lead sustainable financial reform. The study concludes that while the foundations of green Islamic finance are normatively strong, actual implementation requires regulatory clarity, capacity development, and inter-disciplinary collaboration. This research contributes to both theory and practice by offering a conceptual framework for embedding Islamic ethical values into modern financial systems, demonstrating that Islamic finance can serve not only as an ethical alternative but as a transformative model in achieving the Sustainable Development Goals (SDGs).
When Scale Does Not Matter: Zakat Governance Practices in a Micro Level Amil Zakat Institution Mufti Faqih Ali; Haqiqotus Sa'adah; Agus Wahyu Irawan; Ita Marianingsih
Journal of Governance Volume 11 Issue 2: (2026)
Publisher : Universitas Sultan Ageng Tirtayasa

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.62870/jog.v11i2.38262

Abstract

This study examines the implementation of the Zakat Core Principles (ZCP) in a micro-scale Amil Zakat Institution (LAZ) in Singgahan Tuban, a setting rarely addressed in zakat governance research. The analysis centers on endogenous principles ZCP 15–18, covering sharia supervision, financial reporting, transparency, and the prevention of misuse. Using a qualitative–interpretive approach, data were gathered through interviews, structured observations, and document analysis, and examined using thematic analysis. The findings show that LAZ Singgahan is able to apply ZCP-aligned governance despite limited resources. Sharia oversight functions effectively through an active Sharia Supervisory Board, while internal auditing is maintained through SOP-based procedures, routine monitoring, and responsive corrections. Financial reporting follows PSAK 109 with clear separation of zakat and non-zakat funds. Transparency is upheld through accessible documents and public communication channels, validated through field checks. Risk management and fraud prevention also operate effectively. Overall, the study affirms that governance quality depends on consistent internal mechanisms rather than institutional scale and provides the first comprehensive evidence of ZCP implementation in a micro-level LAZ.
ADAPTIVE STRATEGIES OF DAWEA BATIK (BONDOWOSO) IN RESPONSE TO DECLINING INSTITUTIONAL DEMAND AND ITS IMPLICATIONS FOR CONSUMER PURCHASING DECISIONS: A SINGLE-CASE STUDY Ita Marianingsih; M. Ilham Zainullah; Novita Purnamasari
Ekonomica Sharia: Jurnal Pemikiran dan Pengembangan Ekonomi Syariah Vol. 11 No. 2 (2026): Jurnal Ekonomica Sharia : Jurnal Pemikiran dan Pengembangan Ekonomi Syariah -
Publisher : Sekolah Tinggi Ekonomi dan Bisnis Syariah (STEBIS) Indo Global Mandiri Palembang

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.36908/esha.v11i2.1690

Abstract

This study examines how Dawea Batik MSME adapts to declining institutional demand particularly demand related to organizational/uniform procurement and how these adaptive actions relate to consumers’ purchasing decisions. Using a qualitative single-case study design, primary data were collected through in-depth interviews with key actors (owner/manager, workers, and consumers) and supported by observation and relevant documents. Data were analyzed thematically through coding, with validity strengthened via source triangulation and member checking. The findings indicate three main adaptive strategies: (1) product innovation and diversification (2) enhancement of digital marketing channels (e.g., Instagram, TikTok, WhatsApp), and (3) strengthening cultural tourism education through live batik workshop programs. These strategies are associated with consumer decision-making across stages of problem recognition, information search, evaluation, purchase, and post-purchase behavior (Kotler, 2009), mainly by increasing consumer engagement, perceived value, and trust. As a single-case study, the findings offer analytic insights for similar creative-industry MSMEs while acknowledging limited statistical generalization.
Co-Authors Agus Wahyu Irawan Ainur Rohmah Haqiqotus Sa'adah M. Ilham Zainullah Mufti Faqih Ali Novita Purnamasari