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Aldo Robby Pradana
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robbyaldo@gmail.com
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+6289677232720
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commodity@iaingawi.ac.id
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Jl. Ir. Soekarno No. 99 Ring Road Barat Ngawi - 63216
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INDONESIA
Commodity : Jurnal Perbankan dan Keuangan Islam
Published by Institut Agama Islam Ngawi
ISSN : -     EISSN : 29638569     DOI : https://doi.org/10.56997/commodity
Core Subject : Economy, Education, Social,
Economics, Econometrics & Finance Mathematics Social Sciences Other
Jurnal ini menyediakan forum untuk menerbitkan artikel terkait dengan ekonomi Islam. Seperti artikel tentang perbankan syariah, ekonomi syariah, bisnis syariah, manajemen syariah, sejarah pemikiran ekonomi Islam, sosial ekonomi Islam, zakat, wakaf dan shadaqah
Arjuna Subject : Ilmu Ekonomi, Ekonometrika dan Keuangan (semua kategori) - Ilmu Ekonomi, Ekonometrika dan Keuangan (Lain-Lain)
Articles 5 Documents
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Search results for , issue "Vol. 4 No. 1 (2025): Commodity : Jurnal Perbankan dan Keuangan Islam" : 5 Documents clear
DAMPAK EKONOMI DIGITAL DALAM MENINGKATKAN EFISIENSI LAYANAN POS MELALUI APLIKASI POS AJA DI KANTOR POS CABANG NGAWI Melati, Septiyan Tri; Anifah, Siti
Commodity : Jurnal Perbankan dan Keuangan Islam Vol. 4 No. 1 (2025): Commodity : Jurnal Perbankan dan Keuangan Islam
Publisher : Fakultas Ekonomi Bisnis Islam

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.56997/commodity.v4i1.1654

Abstract

ABSTRACT The development of digital technology has brought significant changes to various sectors of the economy, including courier services. In the context of the digital economy, the adoption of technology enhances operational efficiency, reduces costs, and improves service quality. PT Pos Indonesia has responded by launching the Pos Aja application, which facilitates users in accessing parcel delivery services online. This application allows users to order, track packages, obtain rate information, and make payments easily. The main benefits of the Pos Aja application include ease of access, reduced waiting times, and cost efficiency. This research explores the efficiency of the Pos Aja application compared to conventional methods, addressing questions regarding productivity, time flexibility, and challenges in digitalization. The novelty of this research lies in its focus on the Ngawi Post Office branch, which faces unique digital infrastructure challenges. This study provides new insights into the implementation of the Pos Aja application and offers recommendations for PT Pos Indonesia to enhance the effectiveness of digitalization. It is also expected to provide guidance for policymakers on the importance of digital infrastructure in the transformation of public services. Keywords: Digital Economy, Pos Aja Application, Digital Services, Service Efficiency
DAMPAK PENERAPAN E-MATERAI TERHADAP PENDAPATAN KANTOR POS CABANG NGAWI Fitrianti, Ratna; Anifah, Siti
Commodity : Jurnal Perbankan dan Keuangan Islam Vol. 4 No. 1 (2025): Commodity : Jurnal Perbankan dan Keuangan Islam
Publisher : Fakultas Ekonomi Bisnis Islam

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.56997/commodity.v4i1.1777

Abstract

This study aims to analyze the impact of the implementation of e-stamps on the income of the Ngawi Branch Post Office. In the era of digitalization, innovations such as e-stamps are expected to improve operational efficiency and provide convenience for customers in conducting administrative transactions. The research method used is a quantitative approach with a descriptive and causal design, where data is collected through questionnaires and secondary data analysis from post office financial reports. The results of the study indicate that there is a significant increase in income after the implementation of e-stamps. Efficiency in the administrative process and ease of access for customers are the main factors that drive increased income. In addition, the success of the implementation of e-stamps is also influenced by socialization, infrastructure availability, and management support. This study contributes to the understanding of public service innovation and its implications for economic performance, and offers recommendations for policy development in the postal service sector in Indonesia.
UPAYA MENINGKATKAN MINAT NASABAH PADA PRODUK IB HIJRAH WADIAH DI BANK MUAMALAT INDONESIA (BMI) KANTOR CABANG PEMBANTU (KCP) MADIUN Prastika, Rima
Commodity : Jurnal Perbankan dan Keuangan Islam Vol. 4 No. 1 (2025): Commodity : Jurnal Perbankan dan Keuangan Islam
Publisher : Fakultas Ekonomi Bisnis Islam

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.56997/commodity.v4i1.2309

Abstract

The development of banks today has undergone many changes, every bank is faced with problems regarding marketing, therefore the bank must be able to formulate the right marketing strategy, the bank needs to know its competitors. The Bank must continue to compare its products, prices, and promotions with those of its competitors, in this way the Bank will be able to find existing shortcomings or advantages. The purpose of this research is to find out to find out what strategies the bank has done to increase interest in becoming a customer of Hajj iB Savings Products at Bank Muamalat Indonesi KCP Madiun. And the second is to find out the implications of IB Hijrah Wadiah savings products at Bank Muamalat Indonesia (BMI) Madiun Sub-Branch Office (KCP) on customer interest. This research includes field research (Field research), while the nature of this research is descriptive qualitative This research uses interview data collection techniques and documentation Interviews were conducted with Bank Muamalat Indonesia KCP Madiun and Bank Muamlat Indonesia KCP Madiun customers. Then for the data source used by researchers is to check the data validity technique. The results showed that 1) The strategy to increase interest in becoming a customer of iB Hijrah Wadiah Savings Products is by socializing and making comparisons with other banks. That way the bank will know the advantages and disadvantages so that it can be input and improve what needs to be improved. 2) Factors that influence public interest in Hajj iB hijrah savings products at Bank Muamalat Indonesia KCP Madiun are internal factors and external factors. The factors that most influence customer interest are cultural factors in terms of religion, social factors in terms of reference groups, family, and social roles, personal factors in terms of age and economic conditions, psychological factors of motivation and services provided by Bank Muamalat KCP Madiun. The internal constraints found at BMI KCP Madiun are limited branch offices and lack of human
PENGEMBANGAN INDUSTRI HALAL TERHADAP PERTUMBUHAN EKONOMI LOKAL KABUPATEN NGAWI JAWA TIMUR Hamdani, Hamdani
Commodity : Jurnal Perbankan dan Keuangan Islam Vol. 4 No. 1 (2025): Commodity : Jurnal Perbankan dan Keuangan Islam
Publisher : Fakultas Ekonomi Bisnis Islam

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.56997/commodity.v4i1.2552

Abstract

The development of the halal industry in Indonesia has shown a significant increase, reaching a growth rate of 9.1% in recent years. This growth indicates a transformation toward sustainable economic development. The halal industry covers various sectors, including food and beverages, fashion, cosmetics, pharmaceuticals, and Islamic finance. With a Muslim population of more than 241 million people, Indonesia holds tremendous potential to become a global hub for the halal industry.This study aims to analyze the impact of halal industry development on local economic growth in Ngawi Regency, East Java, focusing on the contribution of micro, small, and medium enterprises (MSMEs) engaged in food, beverage, and fashion sectors. The research employs a qualitative descriptive approach, with data collected through interviews, observations, and documentation involving MSME actors and relevant government institutions.The findings indicate that the development of the halal industry in Ngawi Regency has a positive impact on local economic growth through job creation, enhanced product competitiveness, and expanded export opportunities. However, several challenges remain, including limited understanding of halal certification, insufficient supporting infrastructure, and restricted access to Islamic financial services for MSMEs. Therefore, stronger collaboration among the government, Islamic financial institutions, and educational sectors is required to build a sustainable halal industry ecosystem in Indonesia.
STRATEGI FUNDRISING, PENGELOLAAN DAN PENGEMBANGAN WAKAF UANG DI DOMPET DHUAFA JAWA TIMUR Anifah, Siti
Commodity : Jurnal Perbankan dan Keuangan Islam Vol. 4 No. 1 (2025): Commodity : Jurnal Perbankan dan Keuangan Islam
Publisher : Fakultas Ekonomi Bisnis Islam

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.56997/commodity.v4i1.2521

Abstract

Cash waqf holds significant potential in strengthening the national Islamic economic system. However, its realization has yet to reach an optimal level. One of the key strategic factors in the development of cash waqf lies in the performance of nazhir (waqf managers). This study aims to analyze the fundraising strategies, management, and development of cash waqf as implemented by Dompet Dhuafa East Java. A descriptive qualitative approach was employed, with data collected through interviews, observations, and documentation. The findings reveal that cash waqf fundraising activities at Dompet Dhuafa East Java largely depend on campaigns and programs initiated by the Dompet Dhuafa central office. This dependency also extends to the management and development of waqf programs. Several challenges were identified, including low public literacy on cash waqf, limited socialization efforts, and the lack of comprehensive information dissemination regarding waqf programs. These issues have led to a low level of public trust in cash waqf instruments, resulting in significantly lower fundraising outcomes compared to Zakat, Infaq, and Sadaqah (ZIS). To enhance the development of cash waqf, strategic efforts should involve collaboration with formal and non-formal educational institutions, religious leaders, influencers, and various societal elements, while optimizing the use of social media platforms. Furthermore, regular implementation of focus group discussions (FGDs) and seminars, both online and offline, is essential to increase public awareness. Additionally, capacity building for waqf management can be achieved through continuous guidance and supervision from regulatory bodies, aimed at fostering trustworthy, professional, and accountable nazhir. Through these efforts, public awareness and participation in cash waqf via Dompet Dhuafa East Java are expected to improve significantly.

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