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SHARIA COMPLIANCE RISK IN ISLAMIC BANK: DOES INDONESIA NEED TO ADOPT NEW SHARIA RISK RATING APPROACH ? Romi Adetio Setiawan
JURNAL ILMIAH MIZANI: Wacana Hukum, Ekonomi, dan Keagamaan Vol 8, No 2 (2021)
Publisher : Fakultas Syariah UIN Fatmawati Sukarno Bengkulu

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.29300/mzn.v8i2.5774

The purpose of this study is to find the most relevant practice of supervision to manage Sharia Compliance Risk in Indonesian Islamic Bank based on the existing literature. The standard doctrinal approach is used to analyse, examine and evaluate the practice of Islamic banking supervision in Indonesia and Islamic banking in Malaysia for comparative purposes. The results revealed that the prior study on Sharia risk rating is applicable to manage Sharia Compliance Risk in Islamic Banks and their factors meet the Basel, AAOOIFI, and IFSB standards. However, there is no assessment made on evaluating the quality of supervision by Sharia Supervisory Board (SSB) members. Thus the study suggested the inclusion of additional factors on the performance of SSB. For Islamic Banking in Indonesia, this sharia risk rating approach can be combined with applicable internal and external risk rating techniques, to provide the promising quality of service and ensure that the offering of various products and services complies with Sharia rules and principles

ACCURACY TEST OF SUPERMARKET'S MUSHOLA QIBLA DIRECTION IN CIREBON CITY Rizal Ramadhan; Kusdiyana Kusdiyana; Samsudin Samsudin
JURNAL ILMIAH MIZANI: Wacana Hukum, Ekonomi, dan Keagamaan Vol 8, No 2 (2021)
Publisher : Fakultas Syariah UIN Fatmawati Sukarno Bengkulu

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.29300/mzn.v8i2.5432

This study aims to answer the questions that become the formulation of the problem “How is the method of measuring the Qibla direction of the supermarket prayer room in Cirebon City” and “How to analyze the accuracy of the supermarket prayer room Qibla direction in Cirebon City.” This study uses qualitative research; the data collected uses observation, interviews, documentation, and literature study. They were then analyzed by the descriptive analysis method in narration. The results of this study: that the Qibla direction of the supermarket in Cirebon City has all measured the Qibla direction. The method of measuring the Qibla direction was carried out by the musala supermarket, where the author’s research uses the Qibla compass and the Qibla direction application on the smartphone. Of course, using the Qibla direction application on a smartphone is an inaccurate method. This method’s method is partly an error in determining the Qibla direction. Due to his ignorance of astronomy in measuring the Qibla direction and ignorance of the magnitude of the Qibla direction angle in the Cirebon City area, resulting in the Qibla direction of the supermarket in the Cirebon City area experiencing a wrong Qibla direction.

A Critical Study of the Wage System and Practice in Indonesia belongs to the Maqashid al-Shariah Perspective Nur Mardhiah
JURNAL ILMIAH MIZANI: Wacana Hukum, Ekonomi, dan Keagamaan Vol 9, No 2 (2022)
Publisher : Fakultas Syariah UIN Fatmawati Sukarno Bengkulu

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.29300/mzn.v9i1.6945

This study aims to analyze the wage system and practice in Indonesia from the perspective of Maqashid al-Shariah. The indicators can be seen from several applicable policies, whether they have brought benefits to the workers/laborers or not. This can be answered with an in-depth study and study seen from several aspects, including; list of decent living needs (KHL), specialization and division of labor as the basis for setting wages, wage transparency, and human resource development within companies in Indonesia. As for the methods and techniques of analysis using the content of data analysis carried out qualitatively by making interpretations of policies, rules, and empirical data obtained, then concluded as answers to research problems. Findings in the field reveal that from systems and policies, as well as practices, some companies are still unable to provide decent wages to workers/laborers or even do not meet decent living standards (KHL) in Indonesia. In addition, there are policies and regulations that come from the government or companies that are not in line due to internal factors of the company itself. This research is here to try to provide an affirmative solution by integrating the indicators of the benefit of the Maqashid al-Shariah on improving the policy and wage system in Indonesia. Penelitian ini bertujuan untuk menganalisis sistem dan praktik upah di Indonesia perspektif Maqashid al-Shariah. Adapun indikatornya dilihat dari beberapa kebijakan yang berlaku apakah sudah menghadirkan kemaslahatan bagi para pekerja/buruh atau belum. Hal tersebut dapat terjawab dengan kajian dan telaah secara mendalam dilihat dari beberapa aspek, diantaranya; daftar kebutuhan hidup layak (KHL), spesiliasi dan pembagian kerja sebagai basis dalam penetapan upah, transparansi pengupahan, serta pembinaan sumber daya manusia di lingkungan perusahaan di Indonesia. Adapun metode dan teknik analisis menggunakan konten analisis data yang dilakukan secara kualitatif dengan membuat penafsiran terhadap kebijakan, aturan, maupun data empiris yang didapatkan, kemudian disimpulkan sebagai jawaban terhadap permasalahan penelitian. Temuan di lapangan mengungkapkan, dari sistem dan kebijakan, maupun praktik beberapa perusahaan masih belum mampu memberikan upah kepada para pekerja/buruh yang layak atau/bahkan tidak memenuhi standar kebutuhan hidup layak (KHL) di Indonesia. Selain itu, kebijakan maupun aturan baik itu yang datang dari pemerintah maupun perusahaan ada yang belum sejalan dikarenakan faktor internal perusahaan itu sendiri. Penelitian ini hadir mencoba memberikan solusi afirmatif dengan mengintegrasikan indikator kemaslahatan perspektif Maqashid al-Shariah terhadap perbaikan kebijakan dan sistem pengupahan di Indonesia.

Legality Of Halal Food Certification On Maslahah Mursalah Perspective Wahyu Abdul Jafar
JURNAL ILMIAH MIZANI: Wacana Hukum, Ekonomi, dan Keagamaan Vol 9, No 1 (2022)
Publisher : Fakultas Syariah UIN Fatmawati Sukarno Bengkulu

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.29300/mzn.v9i1.7055

This study aims to comprehensively determine the legality of halal certification on food circulating in the community. Researchers reviewing the legality of halal food certification use the maslahah mursalah approach. Maslahah mursalah is more appropriate to use because the issue of halal food certification does not yet have a specific argument that discusses it. This study includes literature research with a normative approach. The data collection technique used in this research is the documentation technique. While the analysis technique used is the inductive analysis technique. The result of this study is that halal certification of eating based on maslahah mursalah follows Islamic law. There are many benefits of halal food certification following Islamic law principles. Food products that have obtained the halal certification label will give consumers a stronger sense of confidence that this food is genuinely halal ( al-halal bayyinun ) because a competent and authorized institution has verified it. It is different if a meal does not yet have a halal certification label, then consumers can doubt and be unsure about the halalness and quality of the product. The quality of food products that are doubtful of their halalness can change the law from halal to subhat; it is a different case if the product is already labeled with a halal certificate, consumers will be more sure of the quality and halalness of the product

Multi-Strategies For Treating the Roots of Corruption Behavior in Indonesia Syafruddin Muhtamar; Abdul Rauf; Hardi Hardi
JURNAL ILMIAH MIZANI: Wacana Hukum, Ekonomi, dan Keagamaan Vol 9, No 1 (2022)
Publisher : Fakultas Syariah UIN Fatmawati Sukarno Bengkulu

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.29300/mzn.v9i1.6786

Massiveness of corrupt behavior throughout the history of the Republic of Indonesia has had a bad impact on national life and the nation's generation, so it requires comprehensive handling. The purpose of this article is to identify and analyze the root causes of corrupt behavior and determine strategic methods of handling them. The discussion is carried out using a qualitative analysis method, with the support of primary and secondary data. The results of the discussion found that the root of the problem of corrupt behavior is in two influencing factors, namely individual problems and system problems. The individual problem is the loss of awareness of religious values and spiritualism. The system problem is influenced by two factors, namely: civilization dominated by materialism values and the feudal nature of past power. The root of the problem of corrupt behavior can be handled with a multi-strategy approach in the fields of education, culture, politics and law. The fields of education and culture are for the long-term vision and the fields of politics and law for the medium-short-term mission in dealing with the root causes of corrupt behavior. In conclusion, corruption occurs because of weak religious beliefs and individual spiritualism due to the influence of material civilization and feudal character. The replanting of religious and spiritual bases for the nation's generation is very important and forms the basis of a multi-strategy approach to dealing with the root causes of corrupt behavior in Indonesia. Masifitas perilaku koruptif sepanjang sejarah negara republik Indonesia telah berdampak buruk bagi kehidupan nasional dan generasi bangsa, sehingga membutuhkan penanganan komprehensif. Tujuan artikel ini untuk mengetahui dan menganalisa akar masalah perilaku koruptif dan menetukan metode strategis penanganannya. Pembahasan dilakukan dengan Metode Analisa kualitatif, dengan dukungan data primer dan sekunder. Hasi pembahasan menemukan bahwa akar masalah perilaku koruptif terdapat dalam dua faktor pengaruh, yaitu masalah indivudu dan masalah sistem. Masalah individu adalah hilangnya kesadaran nilai religius dan spritualisme. Masalah sistem dipengaruhi oleh dua faktor yakni: peradaban yang didominasi nilai materialisme dan sifat feodalisme kekuasaan masa silam. Akar masalah perilaku koruptif dapat ditangani dengan pendekatan multi-strategi bidang pendidikan, kebudayaan, politik dan hukum. Bidang pendidikan dan kebudayaan untuk visi jangka panjang dan bidang politik dan hukum untuk misi jangka menengah-pendek dalam penanganan akar masalah perilaku koruptif. Kesimpulannya, korupsi terjadi karena lemahnya keyakinan religius dan spritualisme individu akibat pengaruh peradaban material dan karakter feodalisme. Penanaman kembali basis religius dan spritualisme bagi generasi bangsa sangat penting dan menjadi dasar dari pendekatan multi-strategi penanganan akar masalah perilaku koruptif di Indonesia.

The Role of Women in The Rukyat Hilal According to The North Aceh Ulema Consultative Assembly Machzumy Machzumy; Badrun Taman
JURNAL ILMIAH MIZANI: Wacana Hukum, Ekonomi, dan Keagamaan Vol 9, No 2 (2022)
Publisher : Fakultas Syariah UIN Fatmawati Sukarno Bengkulu

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.29300/mzn.v9i1.7014

The Role of Women in Rukyat Hilal According to the Majelis Permusyawaratan Ulama Aceh Utara (MPU). Rukyat hilal is a method used to determine the beginning and end of the month of Kamariah. And along with the birth of the Falak Science study program in Indonesia, many also mastered falak science. One of the interesting things is the existence of female phallic experts and their role in determining the beginning of the Hijri month. This rukyat hilal activity is carried out collectively by the Ministry of Religious Affairs, the Ulema Consultative Assembly, BMKG and other community groups. From this background, the author is interested in studying the role of women in seeing hilal in North Aceh Regency based on the perspective of MPU. This research is a qualitative research, with a field approach (field research). The data collection method uses interview and documentation techniques. The results of this study show that the role of a woman in determining the beginning and end of the month in North Aceh according to the Majelis Permusyawaratan Ulama Aceh Utara there are two. First, if a woman is only a participant who participates in the Rukyat Hilal event, then this is allowed. Second, if a woman reports seeing hilal, then her testimony is not considered valid and rejected. Rukyat hilal merupakan suatu metode yang digunakan untuk menentukan awal dan akhir bulan Kamariah. Dan seiring lahirnya porgram studi Ilmu Falak di Indonesia, maka banyak pula yang menguasai ilmu falak. Salah satu hal yang menarik adalah keberadaan ahli falak perempuan dan perannya dalam penentuan awal bulan hijriyah. Kegiatan rukyat hilal ini dilakukan secara kolektif oleh Kementerian agama, Majelis Permusyawaratan Ulama, BMKG dan golongan masyarakat lainnya. Dari latar belakang tersebut, penulis tertarik mengkaji terkait peranan perempuan dalam melihat hilal di Kabupaten Aceh Utara berdasarkan perspektif MPU. Penelitian ini adalah penelitian kualitatif, dengan pendekatan lapangan (field research). Metode pengumpulan data menggunakan teknik wawancara dan dokumentasi. Hasil penelitian ini menunjukkan bahwa peran seorang perempuan dalam penentuan awal dan akhir bulan kamariah di Aceh Utara menurut Majelis Permusyawaratan Ulama Aceh Utara ada dua. Pertama, apabila seorang perempuan hanya sebagai peserta yang ikut dalam acara Rukyat Hilal, maka hal ini diperbolehkan. Kedua, jika seorang perempuan tersebut melapor melihat hilal, maka kesaksiannya tidak dianggap sah dan ditolak.

Qawaid Fiqhiyah's Review of Buying Shoes with A Paid Lots System At Toidiholic Store Bandar Lampung Jayusman Jayusman; Rahmat Hidayat; Rizki Zulu Febriyansyah
JURNAL ILMIAH MIZANI: Wacana Hukum, Ekonomi, dan Keagamaan Vol 9, No 2 (2022)
Publisher : Fakultas Syariah UIN Fatmawati Sukarno Bengkulu

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.29300/mzn.v9i1.6952

In the practice of buying and selling at the Toidiholic Store there is one system, namely a paid lottery. This is done in the sale and purchase of limited edition shoes with a large demand. The focus of this research is how Qawaid Fiqhiyah analyzes the practice of buying and selling shoes with a paid lottery system at the Toidiholic Store Bandar Lampung. This study concludes that this lottery is a lottery that is permitted by Islamic law because it is carried out solely to create a sense of justice and prevent chaos and prevent wholesale buying of shoes if sold normally or without a lottery. Although the cost of the lottery coupon is sold for Rp. 20,000, - but the fee is still within reasonable limits as a registration or administration fee for holding a lottery activity, considering that the benefit element in this lottery is greater than the harmful element. Dalam praktik jual beli di Toidiholic Store terdapat salah satu sistem yaitu undian berbayar. Ini dilakukan pada jual beli sepatu limited edition dengan permintaan (demand) yang besar. Fokus penelitian ini adalah bagaimana analisis Qawaid Fiqhiyah terhadap praktik jual beli sepatu dengan sistem undian berbayar di Toidiholic Store Bandar Lampung. Kesimpulan penelitian ini bahwa undian ini termasuk undian yang diperbolehkan oleh hukum Islam karena dilakukan semata-mata agar terciptanya rasa keadilan dan mencegah terjadinya kericuhan serta mencegah pemborongan terhadap pembelian sepatu apabila dijual secara biasa atau tanpa undian. Meskipun biaya kupon undian dijual seharga Rp.20.000,- namun biaya tersebut masih dalam batas kewajaran sebagai biaya registrasi atau administrasi untuk mengadakan kegiatan undian, mengingat unsur kemaslahatan dalam undian ini lebih besar daripada unsur kemudaratannya.

Maslahah and Sakinah Family's Review of Marriage Through Marriage Dispensation in Central Lampung Regency Iim Fahimah; Zaenal Zaenal
JURNAL ILMIAH MIZANI: Wacana Hukum, Ekonomi, dan Keagamaan Vol 9, No 1 (2022)
Publisher : Fakultas Syariah UIN Fatmawati Sukarno Bengkulu

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.29300/mzn.v9i1.7516

Some couples are not of legal age who have received a marriage dispensation. A search was conducted on their post-marriage conditions. Whether this early life is subjected to separation or is it precisely harmonious. The authors researched couples who married through the marriage dispensation route in Central Lampung Regency. How do maslahah and sakinah families review the marriage through the marriage dispensation route in Lampung Tengah Regency? Marriage through the marriage dispensation route in central Lampung Regency is in the review of Maslahah and the sakinah family that their marriage is classified as a group of Sakinah II families bringing benefits to their households. In general, the values of the maslahat are obtained in three stages; the benefit obtained at the time of the implementation of the marriage dispensation took place, by obtaining the legality of the couple's conjugal relationship has been valid. The benefit in their home life is due to their good and harmonious relationship, and can be beneficial for those around them. The future benefit of the couple's household and their future child, due to their legal marriage. Terdapat pasangan yang belum cukup usia pernikahan yang mendapatkan penetapan dispensasi pernikahan. Penelusuran dilakukan tentang kondisi pasca pernikahan mereka. Apakah kehidupan usia dini ini mengalami perpisahan atau justru harmonis. Penulis melakukan penelitian pasangan yang menikah dengan melalui jalur dispensasi pernikahan di Kabupaten Lampung Tengah. Bagaimana tinjauan maslahah dan keluarga sakinah terhadappernikahan melaui jalur dispensasi nikah di Kabupaten Lampung Tengah? Pernikahan melalui jalur dispensasi nikah di Kabupaten Lampung tengah dalam tinjauan Maslahah dan keluarga sakinah bahwa pernikahan mereka tergolong kelompok Keluarga Sakinah II membawa kemaslahan bagi rumah tangganya. Secara umum nilai-nilai maslahat tersebut diperoleh dalam tiga tahapan; kemaslahatan yang diperoleh pada saat pelaksanaan dispensasi nikah berlangsung, dengan memperoleh legalitas hukum dari hubungan suami istri pasangan tersebut telah sah. Kemaslahatan di dalam kehidupan rumah tangganya karena hubungan mereka yang baik dan harmonis, serta dapat bermanfaat untuk orang di sekitarnya. Kemaslahatan yang bersifat masa depan rumah tangga pasangan tersebut dan anak mereka di masa depan, karena pernikahannya yang legal.

Juridical Study of The Development of Islamic Banking Law and Its Implications for Islamic Bank Products Ade Sofyan Mulazid
JURNAL ILMIAH MIZANI: Wacana Hukum, Ekonomi, dan Keagamaan Vol 9, No 2 (2022)
Publisher : Fakultas Syariah UIN Fatmawati Sukarno Bengkulu

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.29300/mzn.v9i2.7701

This study aims to analyze the development of Islamic banking law and its implications for the development of Islamic banking products. The researcher examined the significance of changes in laws related to Islamic banking for regulatory development and their implications for the development of Islamic banking institutions and products using a juridical-normative approach. This research includes literature research with a normative approach. The data collection technique used in the study is documentation techniques. Meanwhile, the data analasis technique used is induction technique with a qualitative approach. The results of the study show that changes in the law on Islamic banking have had a significant effect on the development of Islamic banking regulations in Indonesia. The implementation of Law Number 21 of 2008 concerning Sharia Banking is expected to answer some of the problems and doubts regarding the direction of development of Islamic banking in the future, including the direction of legal developments governing Islamic banking activities. With the enactment of Islamic banking regulations spread across sharia banking laws and regulations, the compilation of sharia economic law and fatwa dsn-mui as the legal basis for Islamic banking activities in Indonesia, it is expected to have implications for increasing the market share of Islamic banking and service networks and being able to encourage the development of Islamic banking products. The implications of this research are expected to develop knowledge in the field of legal politics and laws and regulations in the fields of economics and business. In addition, it is hoped that it can be useful for the fulfillment of human life celebrations related to aspects of structuring collective life, including developing an appreciation of legal and unlawful politics. Penelitian ini, bertujuan untuk menganalisis perkembangan hukum perbankan syariah dan implikasinya terhadap pengembangan produk-produk perbankan syariah. Peneliti mengkaji signifikansi perubahan undang-undang terkait perbankan syariah bagi perkembangan regulasi dan implikasinya terhadap pengembangan institusi dan produk-produk perbankan syariah menggunakan pendekatan yuridis-normatif. Penelitian ini termasuk penelitian kepustakaan dengan pendekatan normatif. Tehnik pengumpulan data yang digunakan dalam penelitian adalah tehnik dokumentasi. Sedangkan tehnik analasis data yang digunakan adalah tehnik induksi dengan pendekatan kualitatif. Hasil dari penelitian menunjukkan bahwa perubahan undang-undang tentang perbankan syariah, telah berpengaruh secara signifikan bagi perkembangan regulasi perbankan syariah di Indonesia. Implementasi Undang-Undang Nomor 21 Tahun 2008 tentang Perbankan Syariah, diharapkan dapat menjawab sebagian persoalan dan keragu-raguan mengenai arah perkembangan perbankan syariah ke depan, termasuk arah perkembangan hukum yang mengatur kegiatan perbankan syariah. Dengan diberlakukannya regulasi perbankan syariah yang tersebar dalam Peraturan Perundang-undangan Perbankan Syariah, Kompilasi Hukum Ekonomi Syariah dan Fatwa DSN-MUI sebagai landasan hukum bagi kegiatan perbankan syariah di Indonesia, diharapkan dapat berimplikasi terhadap peningkatkan pangsa pasar perbankan syariah dan jaringan pelayanan serta mampu mendorong perkembangan produk perbankan syariah. Implikasi penelitian ini, diharapkan dapat mengembangkan pengetahuan di bidang politik hukum dan peraturan perundang-undangan dalam bidang ekonomi dan bisnis. Selain itu, diharapkan dapat berguna bagi pemenuhan hajat hidup manusia berkenaan dengan aspek penataan kehidupan kolektif termasuk mengembangkan apresiasi terhadap politik hukum dan peraturan perundang-undangan, khususnya perbankan syariah.

Development Strategy of PPM Al-Kautsar Micro Waqf Bank in Lima Puluh Kota Regency Nurhafiani Nurhafiani; Azhari Akmal Tarigan; Muhammad Yafiz
JURNAL ILMIAH MIZANI: Wacana Hukum, Ekonomi, dan Keagamaan Vol 9, No 2 (2022)
Publisher : Fakultas Syariah UIN Fatmawati Sukarno Bengkulu

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.29300/mzn.v9i1.7635

This research aims to find out and analyze the development strategy of the PPM Al-Kautsar Micro Waqf Bank in the Lima Puluh Kota Regency. The data analysis technique used is the SWOT analysis method (Strenght, Weakness, Opportunity, Threats). Based on the results of the SWOT matrix analysis, it is known that the strategy that can be carried out in developing a Micro Waqf Bank is stratetgi SO by using all strengths to take advantage of existing opportunities. The strategy is consistency of low mentoring services (ju'alah, without collateral and interest by utilizing government restructuring programs, utilizing the role of kyai in establishing good cooperation and building trust with institutions, local governments, the community socializing the existence of BWM, carrying out Halmi routines during a pandemic virtually and directly by complying with health protocols in providing education, direction, education to customers, improving the quality of services and products even though it already exists with a ball pick-up system, optimizing the empowerment of mentoring through digital so that customers can survive during the pandemic despite social restrictions but empowerment continues to run. The strategy of developing BWM is to use BWM digitalization in providing virtual education, promoting customer products through e-commerce and social media, utilizing the role of kiyai in socializing BWM programs to the community Penelitain ini bertujuan untuk mengetahui strategi pengembangan Bank Wakaf Mikro PPM Al-Kautsar di Kabupaten Lima Puluh Kota?. Teknik analisis data yang digunakan adalah metode analisis SWOT (Strenght, Weakness,Opportunity, Threats). berdasarkan hasil analisis matriks SWOT diketahui bahwa strategi yang dapat dilakukan dalam mengembangkan Bank Wakaf Mikro yaitu Stratetgi SO dengan menggunakan seluruh kekuatan unuk memanfaatkan peluang yang ada. Strateginya adalah Konsistensi jasa pendampingan rendah (jualah, tanpa agunan dan bunga dengan memanfaatkan program restrukturisasi pemerintah, memanfaatkan peran kiyai dalam menjalin kerja sama yang baik dan membangun kepercayaan dengan lembaga, pemerintah setempat, masyarakat mensosialisasikan keberadaan BWM, melakukan rutinitas Halmi saat pandemic secara virtual dan langsung dengan mematuhi protokol kesehatan dalam memberikan edukasi, arahan, pendidikan kepada nasabah, meningkatkan kualitas pelayanan dan produk meski sudah ada dengan sistem jemput bola, optimalisasi pemberdayaan pendampingan melalui digital supaya nasabah tetap bertahan saat pandemi meskipun adanya pembatasan sosial tetapi pemberdayaan tetap berjalan. Strategi mengembangkan BWM yaitu menggunakan digitalisasi BWM dalam memberikan edukasi secara virtual, mempromosikan produk-produk nasabah melalui e-commerce dan media sosial, memanfaatkan peran kiyai dalam mensosialisasikan program BWM kepada masyarakat.

Home Page

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Reviewer

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Contact Name
Toha Andiko

Contact Email
Toha.andiko@gmail.com

Phone
-

Journal Mail Official
Toha.andiko@gmail.com

Editorial Address
-

Location
Kota bengkulu,

Bengkulu

INDONESIA

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Home Page

OAI Link

Editorial Team

Contact

Reviewer

Google Scholar

Contact Name Toha Andiko

Contact Email Toha.andiko@gmail.com

Phone -

Journal Mail Official Toha.andiko@gmail.com

Editorial Address -

Location Kota bengkulu, Bengkulu INDONESIA

Abstract

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Abstract

Contact Name
Toha Andiko

Contact Email
Toha.andiko@gmail.com

Phone
-

Journal Mail Official
Toha.andiko@gmail.com

Editorial Address
-

Location
Kota bengkulu,

Bengkulu

INDONESIA