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Moh Arifin
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Iqtisadie: Journal of Islamic Banking and Shariah Economy
Published by Sekolah Tinggi Agama Islam Al Fithrah
ISSN : -     EISSN : 28074157     DOI : https://doi.org/10.36781/iqtisadie
Core Subject : Economy,
Economics, Econometrics & Finance
that Journal is published twice a year every March and September. This journal contains studies on bank and non-bank Islamic financial institutions and Islamic economics. This journal can be accessed openly which means that all the content available is freely accessible at no cost, either to the user or to the institution. Users are permitted to read, download, copy, distribute, print, search, or cite the full text of the articles without having to seek prior permission from the publisher or author.
Arjuna Subject : Ilmu Sosial - Ilmu Sosial (Lain-Lain)
Articles 60 Documents
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Peran Bank Syariah Dalam Digitalisasi Pembayaran Berbasis Qris Pada Minimarket Pondok Al Fitrah Di Era 4.0 Oktaviani, Lusi
IQTISADIE: Journal of Islamic Banking and Shariah Economy Vol. 4 No. 2 (2024): September 2024
Publisher : Program Studi Perbankan Syariah Institut Al-Fithrah (IAF) Surabaya

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.36781/iqtisadie.v4i2.806

Abstract

This research explores the role of Islamic banks in supporting the digitization of QRIS-based payments at the Al-Fithrah Islamic Boarding School Minimarket in the Industry 4.0 era. In the context of the transformation of the banking sector through advanced information technology, QRIS (Quick Response Code Indonesian Standard) has emerged as an efficient and secure payment method, facilitating faster and more practical non-cash transactions. This study uses a qualitative approach with interviews and documentation as data collection methods. The research results show that the implementation of QRIS in the Al-Fithrah Islamic Boarding School minimarket is effective in facilitating financial circulation and increasing operational efficiency. The use of QRIS also supports financial system transparency and provides easy access for consumers. In conclusion, digitalization through QRIS has had a positive impact on increasing minimarket performance and income, showing that Islamic banks have an important role in encouraging digital financial innovation and inclusion.
Penerapan Aspek Etika Bisnis Islam Pada Plagialisasi Foto Dan Video di Online Shop Amalia, Rachmi Cahya
IQTISADIE: Journal of Islamic Banking and Shariah Economy Vol. 4 No. 2 (2024): September 2024
Publisher : Program Studi Perbankan Syariah Institut Al-Fithrah (IAF) Surabaya

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.36781/iqtisadie.v4i2.807

Abstract

Photo and video plagiarism on online shop platforms is increasing along with the growth of digital commerce. This practice not only violates copyright, but also violates the principles of business ethics. This article discusses the application of aspects of Islamic business ethics in dealing with photo and video plagiarism in online shops. Using a qualitative approach, this research explores how values ​​such as justice, honesty and responsibility recommended in Islam can be applied to prevent and overcome plagiarism. The research results show that the application of Islamic business ethics can be an effective solution in building trust and integrity in the e-commerce ecosystem. It is hoped that these findings can become a reference for online business actors in developing more ethical and responsible business practices.
Strategi Pemasaran Syariah Produk Tabungan Sajada Di BMT NU Cabang Blega Bangkalan: Studi Implementasi Kulsum, Ummi
IQTISADIE: Journal of Islamic Banking and Shariah Economy Vol. 5 No. 01 (2025): Maret 2025
Publisher : Program Studi Perbankan Syariah Institut Al-Fithrah (IAF) Surabaya

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.36781/iqtisadie.v5i01.946

Abstract

This study aims to find out what kind of sharia marketing strategy is implemented in SAJADAH savings products at BMT NU Blega Bangkalan Branch. The results of this research are that there are four strategies that have been implemented, namely Gathering directly to customers' homes, Distribution of Brochures, Cooperation with institutions or organizations and marketing through social media. From this, it can be seen that in attracting the interest of customers of BMT NU Blega Bangkalan Branch, it is not only one strategy to attract customers. And of course this is quite effective and efficient. The method used in this research is qualitative descriptive. Qualitative descriptive is data in the form of words, pictures and not numbers. The primary data in this study is an interview with the BMT NU Blega Bangkalan Branch. Meanwhile, the secondary data in this study are brochures, photographs, books, journals and others that can strengthen this research.
Strategi pemasaran melalui media sStrategi Pemasaran Melalui Media Sosial (Tik Tok) Pada UMKM Dalam Perspektif Ekonomi Islamosial (tik tok) pada UMKM dalam perspektif ekonomi islam Oktavia, Rima
IQTISADIE: Journal of Islamic Banking and Shariah Economy Vol. 5 No. 01 (2025): Maret 2025
Publisher : Program Studi Perbankan Syariah Institut Al-Fithrah (IAF) Surabaya

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.36781/iqtisadie.v5i01.947

Abstract

Marketing is an effort to provide and deliver the right goods and services to consumers by considering aspects of location, time, price, promotion, and effective communication. This study uses a qualitative approach. The types of data are primary and secondary taken from interviews and observations analyzed using qualitative descriptive. Case studies show that several local brands such as Tulus Signature and Ghaffa The Label have succeeded in increasing turnover and engagement through creative marketing strategies on Tik Tok. However, obstacles such as a lack of understanding of optimizing Tik Tok features are still a challenge for MSMEs. Therefore, it is important to develop an effective digital marketing strategy and identify the obstacles faced by MSMEs in utilizing social media platforms to increase sales
Analisis Penggunaan Media Sosial Sebagai Alat Pemasaran Oleh Usaha, Mikro, Kecil Dan Menengah (Umkm): Perspektif Pengusaha Dan Konsumen Tate Agape Bawana
IQTISADIE: Journal of Islamic Banking and Shariah Economy Vol. 5 No. 01 (2025): Maret 2025
Publisher : Program Studi Perbankan Syariah Institut Al-Fithrah (IAF) Surabaya

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.36781/iqtisadie.v5i01.948

Abstract

This study aims to analyze the use of social media as a marketing tool by Micro, Small and Medium Enterprises (MSMEs) from the perspective of entrepreneurs and consumers. Social media has become an important platform for MSMEs to promote products, build brand awareness, and establish closer interactions with consumers. This research uses a literature review method that aims to explore and analyze various studies and articles related to the use of social media by MSMEs as a marketing tool. The results show that social media contributes significantly to increasing business visibility, sales, and customer loyalty. However, MSME players face challenges such as limited knowledge of digital marketing, time management, and campaign effectiveness measurement. This study suggests the need for digital training and consistent content management to maximize the potential of social media in marketing.
Etika Bisnis Islam Dalam Pemanfaatan Media Sosial Sebagai Strategi Pemasaran UMKM Usaha Toko Baju Thrifting Ulya Nindyaningtyas
IQTISADIE: Journal of Islamic Banking and Shariah Economy Vol. 5 No. 01 (2025): Maret 2025
Publisher : Program Studi Perbankan Syariah Institut Al-Fithrah (IAF) Surabaya

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.36781/iqtisadie.v5i01.950

Abstract

This research discusses the application of Islamic business ethics in digital marketing strategies among MSMEs, especially second-hand clothing stores, by utilizing social media. Advances in digital technology allow MSMEs to promote products effectively, but these marketing strategies must be aligned with Islamic principles, such as honesty, transparency, and fairness. The study identified challenges such as a lack of understanding of digital marketing and limited resources, which hindered MSME engagement with consumers. Emphasis is placed on the importance of maintaining honest marketing messages to build customer trust and loyalty. Creative content and direct communication through social media, such as WhatsApp, are considered effective for increasing customer engagement and strengthening brand image.
Sistem Pengendalian Resiko Gagal Bayar Nasabah Pembiayaan Di BMT Amanah Ummah Surabaya Toyyibi, Abdul Majid
IQTISADIE: Journal of Islamic Banking and Shariah Economy Vol. 5 No. 01 (2025): Maret 2025
Publisher : Program Studi Perbankan Syariah Institut Al-Fithrah (IAF) Surabaya

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.36781/iqtisadie.v5i01.951

Abstract

A Sharia financial institution such as BMT Amanah Ummah expects a health in financing its customers, but the running of financing activities certainly emphasizes that the implementation of technical rules that will occur in the event of default problems so that risk control becomes the main thing for BMT analysts. The purpose of this study is to determine the BMT risk control system in the occurrence of the risk of default of financing customers. While this study is a type of field research which then uses qualitative as its research approach. In order to obtain credible results, the researcher carried out data collection techniques, data analysis to the validity of the data. The results of the study are that an analyst of BMT Amanah Ummah prioritizes the principle of prudence as an initial control because it is the main basic part that must be considered in addition to also having to review it based on the character of its customers.
Karyawan dan Produk (Sebuah Tinjauan MSDM Tour and Travel Haji dan Umroh di Sedati Sidoarjo Perspektif Ekonomi Syariah) Muhimmah, Fatihatul Firda
IQTISADIE: Journal of Islamic Banking and Shariah Economy Vol. 5 No. 01 (2025): Maret 2025
Publisher : Program Studi Perbankan Syariah Institut Al-Fithrah (IAF) Surabaya

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.36781/iqtisadie.v5i01.953

Abstract

Discussing the relationship between employees and products in the context of human resource management (HRM) in the Hajj and Umrah tour and travel industry in Sedati, Sidoarjo, with a sharia economic perspective. This study highlights the importance of the role of employees in improving the quality of services and products that are in accordance with sharia principles. Through a sharia economic approach, this study also explores how employees can contribute to creating added value for the company and customer satisfaction. By analyzing employee performance, such as training, motivation, and work environment, it is expected to find effective strategies to increase employee productivity and loyalty. In addition, this study also assesses the products offered according to public perception and market potential in the area, thus providing recommendations for business managers in optimizing human resources and products that are in accordance with sharia principles. This study uses a qualitative method with in-depth interviews and observations to collect data from employees and managers at several travel agents in Sedati. The results of the analysis show that trained and motivated employees have a positive response to the quality of products and services offered. In addition, the application of sharia economic principles in business operations has been shown to increase public trust through the products offered. Recommendations resulting from this study include the development of ongoing training programs, increased incentives for employees, and more effective marketing strategies to attract potential pilgrims.
Transformasi Digital Koperasi Syariah : Mengaplikasikan Etika Bisnis Untuk Kepuasan Anggota Benteng Mikro Indonesia Septi, Iti; Sudrajat, Sudrajat
IQTISADIE: Journal of Islamic Banking and Shariah Economy Vol. 5 No. 02 (2025): September 2025
Publisher : Program Studi Perbankan Syariah Institut Al-Fithrah (IAF) Surabaya

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.36781/iqtisadie.v5i02.1145

Abstract

The purpose of this study was to determine the influence of Islamic business ethics on customer satisfaction at the Benteng Mikro Indonesia Sharia Cooperative (Kopsyah BMI) branch in Cikupa, Tangerang, Banten. This study used a qualitative descriptive method, with primary data obtained through interviews with Kopsyah BMI employees. The results showed that the Islamic business ethics implemented by Kopsyah BMI are generally in accordance with sharia principles, including fairness for all members, responsibility for trust, and freedom from usury practices. The application of these principles has been proven to increase customer satisfaction and loyalty, as reflected in the increasing number of members each year. In addition, this study also found the role of digital transformation of sharia cooperatives in strengthening the implementation of Islamic business ethics. Through digital services such as a membership information system, sharia payment applications, and online transaction transparency, Kopsyah BMI is able to provide easy access to services, increase accountability, and expand its reach to the community. This digital transformation not only drives operational efficien sustainably.
Analisis Fatwa DSN MUI Dalam Transaksi Pembiayaan Murābaḥah Di KSPP. Syariah BMT NU Cabang Pragaan Umam, Khairul; Supriyadi
IQTISADIE: Journal of Islamic Banking and Shariah Economy Vol. 5 No. 02 (2025): September 2025
Publisher : Program Studi Perbankan Syariah Institut Al-Fithrah (IAF) Surabaya

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.36781/iqtisadie.v5i02.1171

Abstract

This study aims to find out how the implementation of murābaḥah financing based on fatwa DSN MUI no. 04/DSN-MUI/IV/2000 at KSPP Syariah BMT NU Pragaan Branch. This research method uses field qualitative, with data collection by observation, interviews, and documentation. The results showed that the general provisions of murābaḥah financing to the type of guarantee used in the Sharia KSPP BMT NU Pragaan Branch were in accordance with the fatwa of DSN MUI no. 04/DSN-MUI/IV/2000. Where in its application, if there are doubtful things related to murābaḥah financing transactions, the Sharia KSPP Center BMT NU East Java held a bahtsul masail by presenting the chairman of the Indonesian Ulema Council (MUI) East Java. As for the purchase of goods at KSPP Syariah BMT NU Pragaan Branch using two options, the first purchase of goods is carried out by the manager himself and the second is purchased by partners as representatives of the manager.

Page 6 of 6 | Total Record : 60

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