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SERAMBI: Jurnal Ekonomi Manajemen dan Bisnis Islam
Published by Lembaga Pengembangan Manajemen dan Publkasi Imperium
ISSN : -     EISSN : 26859904     DOI : -
Core Subject : Religion, Economy, Science,
Religion Decision Sciences, Operations Research & Management Economics, Econometrics & Finance
AIMS AND SCOPE The aim of the Jurnal is to provide high-quality scientific papers covering the current issues within Islamic economics and finance. The journal is designed to provide a platform for researchers, academicians, and practitioners who are interested in new knowledge and discussing ideas, issues, and challenges in the field of Islamic economics and finance. The coverage includes but is not limited to: Islamic finance (Fundamentals, trends and opportunities in Islamic Finance, Islamic banking and financial markets, Risk management, Corporate finance, Investment strategy, Islamic social finance, Financial Planning, Housing finance, Legal and regulatory issues, Islamic microfinance); Islamic management (Corporate governance, Customer relationship management, and service quality, Business ethics and corporate social responsibility, Management styles and strategies in Shariah environments, Labour and welfare economics, Political economy, and such other topics as the Editors may deem appropriate). Articles need to make a significant contribution to the theoretical and /or methodological literature on the subject and contain a strong strategic management component.
Arjuna Subject : Bisnis, Menejemen, dan Akutansi (semua kategori) - Bisnis, Menejemen, dan Akutansi (Lain-Lain)
Articles 11 Documents
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Search results for , issue "Vol 6 No 3 (2024)" : 11 Documents clear
Evaluating customer eligibility for consumptive financing: A scoring system approach Nurlita, Okky Budi; Marliyah, Marliyah; Bi Rahmani, Nur Ahmadi
SERAMBI: Jurnal Ekonomi Manajemen dan Bisnis Islam Vol 6 No 3 (2024)
Publisher : LPMP Imperium

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.36407/serambi.v6i3.1439

Abstract

This research investigates how Syariah Bank evaluates consumer financing customers using a scoring system to ensure appropriate assessments for financing approvals. By analyzing customer eligibility, the bank aims to minimize financing risks, enhance efficiency, and maintain stability, which can lead to increased consumer financing. The study uses descriptive qualitative methods to gather data through observation, interviews, and case studies at a Syariah Bank in Medan City. Findings emphasize the importance of assessing customer suitability for the effective functioning of the bank's financing system. The study identifies civil servant employees with salaries deposited in the bank as preferred candidates for consumptive financing. A well-implemented scoring system can reduce bad debt risks and boost customer confidence in financing transparency. Additionally, it encourages future studies to create more adaptive scoring models in response to evolving consumer behavior and economic conditions. Public interest statements This study's results are expected to significantly contribute to the banking sector, especially in improving the effectiveness of customer eligibility assessment through a scoring system. With proper implementation, this system can minimize the risk of bad debts and increase customer confidence in the transparency and accuracy of financing assessments. Article Info: Received 6/29/2024 | Revised: 9/16/2024 | Accepted: 9/19/2024 | Online First 9/27/2024
The effect of integrated marketing communication, brand image and experiential marketing on customer satisfaction Astri, Astri; Nasution, Juliana; Syafina, Laylan
SERAMBI: Jurnal Ekonomi Manajemen dan Bisnis Islam Vol 6 No 3 (2024)
Publisher : LPMP Imperium

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.36407/serambi.v6i3.1440

Abstract

This study aimed to determine the effects of integrated marketing communication, brand image, and experiential marketing on the satisfaction of Sharia Bank customers. The research used a survey method to collect data from 92 customers. The results indicate that the influence of integrated marketing communication, brand image, and experiential marketing is important for customer satisfaction. These findings illustrate that integrated marketing communication, brand image, and experiential marketing enhance customer satisfaction. The results have important implications, particularly for marketing strategies and customer management practices. Public interest statements This research is highly relevant for all banks as it highlights the influence of integrated marketing communication, brand image, and experiential marketing on customer satisfaction. Understanding these factors can help banks enhance their marketing strategies and improve customer experiences, ultimately increasing customer satisfaction and loyalty. Article info: Received 6/29/2024 | Revised: 9/21/2024 | Accepted: 9/23/2024 | Online First 9/28/2024
Analysis of the application of Sharia principles in student savings products Erlina, Erlina; Yanti, Nursantri; Harianto, Budi
SERAMBI: Jurnal Ekonomi Manajemen dan Bisnis Islam Vol 6 No 3 (2024)
Publisher : LPMP Imperium

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.36407/serambi.v6i3.1441

Abstract

This research aims to determine the application of Sharia principles to student savings at Bank Syariah Indonesia KCP Simpang Limun and to explain the application of the contracts used in student savings. This research includes field research with a qualitative approach. In terms of its nature, the research is descriptive and analytical. Data was obtained using primary and secondary data by taking samples from staff employees of Bank Syariah, which were taken from interviews regarding student savings. The research results show that Islamic Sharia has implemented student savings at this bank. However, the bank still needs to carry out a less active and effective level of promotion, so student savings are still relatively low. Bank staff must strive for more active and effective marketing in increasing awareness about the benefits of student savings products to encourage more potential customers. Public interest statements As banks adopt these strategies to improve customer satisfaction, the public can expect increased competition in the banking sector. This competition may lead to better services, lower fees, and more innovative products, benefiting consumers. Article Info: Received 6/13/2024 | Revised: 9/28/2024 | Accepted: 9/23/2024 | Online First 9/29/2024
Risk management strategy for iB KPR financing in Islamic bank Rahmadayana, Rizka Dwi; Harahap, Muhammad Ikhsan; Irham, Mawaddah
SERAMBI: Jurnal Ekonomi Manajemen dan Bisnis Islam Vol 6 No 3 (2024)
Publisher : LPMP Imperium

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.36407/serambi.v6i3.1442

Abstract

This research analyzes the risk management strategies employed in the iB Syariah Tapak KPR financing to understand how the bank aims to minimize the risks associated with high non-performing financing. The study uses a descriptive qualitative research methodology to gather data through various techniques, including observation, interviews, and case studies for primary data. In contrast, secondary data is sourced from literature such as books and journals. The findings reveal that the rise in non-performing financing is attributed to several factors, including economic conditions, the capacity of debtors, force majeure events, and the character of customers. PT Bank Sumut KCP Syariah Karya has developed a comprehensive risk management strategy in response to these challenges. This strategy includes blocking installment funds for 12 months, offering buy-back guarantees, and providing customer insurance to mitigate risks. Public interest statements As banks adopt these strategies to improve customer satisfaction, the public can expect increased competition in the banking sector. This competition may lead to better services, lower fees, and more innovative products, benefiting consumers. Article Info: Received 6/10/2024 | Revised: 9/27/2024 | Accepted: 9/23/2024 |Online First 9/27/2024
Analysis of community economic empowerment from the perspective of Islamic economics: Case study of rice farmers of Siundol Padang Lawas Nasution, Arifah; Arif, Muhammad; Daulay, Aqwa Naser
SERAMBI: Jurnal Ekonomi Manajemen dan Bisnis Islam Vol 6 No 3 (2024)
Publisher : LPMP Imperium

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.36407/serambi.v6i3.1445

Abstract

This research analyzes community economic empowerment from an Islamic economic perspective, focusing on the case study of Siundol rice field farmers in Padang Lawas. Utilizing a qualitative method with a case study approach, data was collected through interviews, observations, and documentation. The findings indicate that the economic empowerment of the Siundol rice farming community in Padang Lawas is not yet optimal, primarily due to several factors: limited access to capital, low levels of education and skills, minimal access to information and technology, weak farmer institutions, and insufficient government involvement in empowering the community's economy. From an Islamic economic perspective, community economic empowerment should adhere to the principles of Islamic sharia, which include justice, balance, togetherness, and sustainability. Public interest statements Several steps are recommended to enhance the economic empowerment of the Siundol rice farming community: increasing access to capital through sharia-compliant financing, providing education and training for farmers, improving access to information and technology, strengthening farmer institutions, and enhancing the government's role in community economic empowerment Article Info: Received 6/10/2024 | Revised: 9/27/2024 | Accepted: 9/23/2024 | Online First 9/27/2024
The role of Baitul Maal in improving community welfare through business capital assistance Ulfa, Nadia; Harahap, Isnaini
SERAMBI: Jurnal Ekonomi Manajemen dan Bisnis Islam Vol 6 No 3 (2024)
Publisher : LPMP Imperium

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.36407/serambi.v6i3.1446

Abstract

This research aims to examine the role of Baitul Maal in enhancing community welfare through business capital assistance, focusing on MSMEs in Aceh Singkil. Employing a descriptive qualitative research design, the study used interviews to gather relevant stakeholder insights. The findings indicate that Baitul Maal in Aceh Singkil has significantly improved community welfare by providing essential business capital assistance to MSMEs. The study identifies various disbursement processes and specific requirements that potential beneficiaries, referred to as mustahik, must meet to qualify for assistance. The findings can guide policymakers in creating a supportive environment for MSMEs, ultimately fostering economic growth and community welfare. By enhancing the operational framework of Baitul Maal, this research contributes to the broader discourse on effective community empowerment strategies through Islamic financial institutions. Public interest statements The insights gained from this research have several practical implications. First, they highlight the importance of streamlining the disbursement processes to ensure timely and efficient access to capital for MSMEs. Second, the identification of specific requirements for mustahik can inform Baitul Maal and other stakeholders in developing targeted outreach and support programs to serve eligible beneficiaries better. Article Info: Received 7/9/2024 | Revised: 9/18/2024 | Accepted: 9/23/2024 | Online First 9/30/2024
The Influence of halal lifestyle and digital technology on gen Z's decision to use Islamic Banking services Mingka, Asrawi Fahmi; Syahriza, Rahmi; Syakir, Ahmad
SERAMBI: Jurnal Ekonomi Manajemen dan Bisnis Islam Vol 6 No 3 (2024)
Publisher : LPMP Imperium

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.36407/serambi.v6i3.1447

Abstract

The role of financial institutions in developing the community's economy, particularly within the Sharia economy, is continually evolving to address the opportunities and challenges presented by the digital financial era. Financial institutions must strengthen their operations and services to enhance their contributions to the Sharia economy. In this context, students are encouraged to actively save at Islamic banks, as doing so represents an effective approach to financial management. This research employs a quantitative method, utilizing questionnaires distributed to students from the Faculty of Islamic Economics and Business at UINSU for data collection. The results indicate that the trend towards a halal lifestyle, along with advancements in digital technology, significantly influences the decisions of Generation Z students to utilize Islamic banking services. Public interest statements The findings of this study suggest that the growing interest of Generation Z in Islamic banking, driven by their commitment to a halal lifestyle and the influence of digital technology, presents a significant opportunity for the growth of the Islamic economy in Indonesia. Article Info: Received 7/24/2024 | Revised: 9/18/2024 | Accepted: 9/23/2024 | Online First 9/30/2024
Improving the sustainability of culinary MSMEs through e-commerce and capital management according to Islamic principles Mais, Rimi Gusliana; Hidayat, Firman; Wulaningsih, Ririn Widyastuti; Prihatna, Nandang; Wulandari, Winda
SERAMBI: Jurnal Ekonomi Manajemen dan Bisnis Islam Vol 6 No 3 (2024)
Publisher : LPMP Imperium

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.36407/serambi.v6i3.1463

Abstract

This study investigates the effectiveness of e-commerce in improving the performance of culinary micro, small, and medium enterprises (MSMEs) while addressing the technical challenges of using digital platforms. This study also explores how business owners manage their capital using Islamic principles and assesses their understanding and application of Islamic values in daily operations. Using a descriptive qualitative approach, data were gathered through observations, interviews, and documentation from culinary MSMEs in Setiamulya Village, Tarumajaya District, Bekasi, Indonesia. Informants were chosen to promote participatory observation and facilitate open communication. The findings reveal that while e-commerce presents significant benefits, several technical challenges—such as high advertising costs, missed notifications, and delivery issues—hinder its effectiveness. Most business owners diligently avoid interest-based loans in line with Islamic teachings; however, their understanding of riba (usury) is often incomplete. Although there are efforts to adhere to Islamic principles, there remains considerable room for improvement in their application. Public interest statement A stronger understanding of Islamic finance principles is also necessary to promote business sustainability. This study builds on previous research by highlighting the sustainability of culinary MSMEs from an Islamic perspective.
Sharia green crowdfunding as a sustainable financing solution for halal MSMEs empowerment Jasmine, Jannatul; Rohim, Ade Nur
SERAMBI: Jurnal Ekonomi Manajemen dan Bisnis Islam Vol 6 No 3 (2024)
Publisher : LPMP Imperium

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.36407/serambi.v6i3.1466

Abstract

This research investigates Sharia green crowdfunding as a sustainable mechanism for halal Micro, Small, and Medium Enterprises (MSMEs) in Indonesia. It addresses the gap between environmentally conscious financing and Islamic finance principles, demonstrating how this integration supports the objectives of a green economy. Through a systematic literature review, the study identifies the challenges faced by halal MSMEs. It evaluates the effectiveness of Sharia-compliant financing in improving access to capital. The findings indicate that Sharia-based crowdfunding platforms are crucial for advancing sustainable finance and are aligned with environmental, social, and governance (ESG) principles. The proposed Sharia Green Crowdfunding model provides a new framework for acquiring capital, promoting responsible business practices, and enhancing collaboration between Islamic Financial Institutions and halal MSMEs. Ultimately, this contributes to national economic development. In conclusion, Sharia Green Crowdfunding is vital for Indonesia's ambition to become a global hub for a sustainable Islamic economy. Public interest statements This research enhances the discussion on sustainable development while following Islamic financial principles. It can act as a model for other emerging economies aiming to blend religious and environmental factors into their financial systems.
The effect of internship experience, motivation, and job interest on job readiness among Muslim university students: Campus atmosphere as an intervening Septiana, Ria; Atika, Atika; Harahap, Muhammad Ikhsan
SERAMBI: Jurnal Ekonomi Manajemen dan Bisnis Islam Vol 6 No 3 (2024)
Publisher : LPMP Imperium

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.36407/serambi.v6i3.1481

Abstract

This study investigates the effects of internship experience, motivation, and job interest on work readiness, with the campus atmosphere serving as an intervening variable among students at the Islamic University of North Sumatra. The sample consisted of 100 participants, and data were collected through questionnaires—the analysis employed regression techniques to evaluate the relationships among the variables. The findings reveal that internship experience positively influences the campus atmosphere. At the same time, motivation does not show a significant effect. Additionally, job interest positively impacts the campus atmosphere. All three factors—internship experience, motivation, and job interest—positively affect work readiness. However, the campus atmosphere does not significantly influence work readiness. The analysis results show that the campus atmosphere does not influence how internship experience affects work readiness. It also does not affect how motivation and job interest relate to work readiness.

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