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Journal of Islamic Economics and Finance
Published by Sekolah Tinggi Ilmu Kesehatan Ibnu Sina Ajibarang
ISSN : 30217458     EISSN : 3021744X     DOI : 10.59841
Core Subject : Economy, Science,
Decision Sciences, Operations Research & Management Economics, Econometrics & Finance
bidang Ilmu Manajemen dan Ekonomi Syariah. ekonomi Islam, keuangan publik Islam, keuangan Islam, akuntansi Islam, etika bisnis Islam, perbankan Islam, asuransi Islam, pemikiran ekonomi Islam, manajemen sumber daya manusia Islam, keuangan mikro Islam, ekonomi pembangunan Islam, Ekonomi moneter Islam, ekonomi fiskal Islam, pasar modal Islam
Arjuna Subject : Bisnis, Menejemen, dan Akutansi (semua kategori) - Bisnis, Menejemen, dan Akutansi (Lain-Lain)
Articles 194 Documents
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Pengaruh Kualitas Pelayanan dan Kualitas Produk terhadap Loyalitas Pelanggan pada Point Coffee Indomaret Dompu Doni Adi Putra; Nurul Hayat; Firmansyah Firmansyah
Journal of Islamic Economics and Finance Vol. 4 No. 3 (2026): Agustus: Journal of Islamic Economics and Finance
Publisher : STIKes Ibnu Sina Ajibarang

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.59841/jureksi.v4i3.4155

Abstract

This study aims to analyze the influence of service quality and product quality on customer loyalty at Point Coffee Indomaret Dompu. A descriptive quantitative approach was used in this study, with primary data collected via a Likert-scale questionnaire (1–5). The study population consisted of all customers of Point Coffee Indomaret Dompu, whose exact number is unknown. The sample was selected using purposive sampling based on Lemeshow’s formula, resulting in 96 respondents who met the criteria of being at least 17 years old and having made at least two purchases in the past month. Data analysis techniques included validity and reliability tests, classical assumption tests, and multiple linear regression analysis supplemented by t-tests, F-tests, and the coefficient of determination. The results of the study indicate that both service quality and product quality whether considered individually or simultaneously have a positive and significant effect on customer loyalty. Superior and responsive service quality can build emotional bonds with consumers, while product quality is the most dominant predictor in shaping loyalty. The integration of superior product quality and high service standards can effectively enhance consumers’ perceived value and strengthen their commitment to long-term customer loyalty.
Pengaruh Intensitas Penggunaan Media Sosial dan Literasi Digital terhadap Kinerja Pemasaran UMKM di Kabupaten Dompu Filastri Filastri; M.Ikhwan Mansyuri; Desi Rubiyanti
Journal of Islamic Economics and Finance Vol. 4 No. 3 (2026): Agustus: Journal of Islamic Economics and Finance
Publisher : STIKes Ibnu Sina Ajibarang

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.59841/jureksi.v4i3.4290

Abstract

This study aims to analyze the influence of social media usage intensity and digital literacy on the marketing performance of MSMEs in Dompu Regency. Using a quantitative approach, this study involved 100 active MSME operators selected using a purposive sampling technique based on Lemeshow’s formula. Primary data were collected through a 1–5 Likert-scale questionnaire distributed both online and offline. Data analysis was conducted using multiple linear regression after undergoing validity and reliability tests as well as classical assumption tests, followed by t-tests, F-tests, and analysis of the coefficient of determination. The results indicate that the intensity of social media use and digital literacy—both individually and collectively—have a positive and significant effect on the marketing performance of MSMEs in Dompu Regency. These findings also identified digital literacy as the most dominant factor in boosting business marketing performance. This demonstrates that technical skills in analyzing markets and managing digital platforms can maximize the effectiveness of social media promotions in a precise, efficient, and sustainable manner. These findings underscore the importance of improving digital skills for local business owners in expanding their market reach and enhancing business competitiveness in the digital economy era.
Prosedur Pemberian Kredit Multi Guna pada Bank Jakarta Kantor Cabang Matraman Adi Surya Daffa; Kholida Atiyatul Maula; Achmad Nawawi; Irvan Yoga Pardistya; Sri Suartini; Angga Sanita Putra
Journal of Islamic Economics and Finance Vol. 4 No. 3 (2026): Agustus: Journal of Islamic Economics and Finance
Publisher : STIKes Ibnu Sina Ajibarang

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.59841/jureksi.v4i3.4306

Abstract

Multi-Purpose Credit (Kredit Multi Guna/KMG) is a financing product offered by Bank Jakarta to individuals with a fixed income. Its implementation faces several challenges, including incomplete application documents and a high volume of credit applications that affect service efficiency. This final project aims to describe the procedures for granting Multi-Purpose Credit at Bank Jakarta, Matraman Branch Office. The study employs a descriptive method, with data collected through direct observation during the Field Work Practice (PKL), documentation, interviews, and literature review. The analysis covers the stages of credit application, document completeness verification, creditworthiness analysis, data verification, credit approval, credit agreement signing, and fund disbursement. The findings indicate that the procedures for granting Multi-Purpose Credit have been implemented systematically in accordance with applicable regulations and the banking prudential principle. The identified challenges are addressed through more thorough document inspections, providing prospective borrowers with information about credit requirements, and improving service flow management. Therefore, the implementation of these procedures supports safe and efficient credit distribution while minimizing the risk of non-performing loans.
Makna Transformasi Ekonomi: Studi Fenomenologi Pengalaman Masyarakat dalam Mengelola Kesejahteraan Pasca-Program Pembangunan di Desa Madaprama Sabdi Sabdi; Yeye Suhaety; Firmansyah Firmansyah
Journal of Islamic Economics and Finance Vol. 4 No. 3 (2026): Agustus: Journal of Islamic Economics and Finance
Publisher : STIKes Ibnu Sina Ajibarang

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.59841/jureksi.v4i3.4320

Abstract

Penelitian ini bertujuan untuk mengeksplorasi dan mendeskripsikan makna transformasi ekonomi serta rekonstruksi kesejahteraan masyarakat Desa Madaprama pada masa pasca-program pembangunan dan BUMDes. Menggunakan pendekatan kualitatif dengan studi fenomenologi, data dikumpulkan melalui wawancara mendalam semi-terstruktur dan observasi partisipatif terhadap 10 informan yang dipilih secara purposive sampling, meliputi pemerintah desa, pengurus BUMDes, pelaku UMKM, petani, ibu rumah tangga, dan tokoh masyarakat. Data dianalisis menggunakan prosedur Interpretative Phenomenological Analysis (IPA) serta diuji keabsahannya melalui triangulasi sumber dan member checking. Hasil penelitian menunjukkan bahwa penarikan intervensi program memicu guncangan psikologis awal (fase kaget) yang mendorong masyarakat mengadaptasi strategi bertahan hidup mandiri melalui efisiensi konsumsi, diversifikasi usaha, dan kedisiplinan finansial. Keberlanjutan unit Retail dan Simpan Pinjam BUMDes bertumpu pada pergeseran tata kelola berbasis relasi kekeluargaan (relational governance) dan resiproksitas sosial. Transisi ini meredefinisi makna kesejahteraan dari indikator materi-kuantitatif yang kaku menjadi paradigma berpusat pada manusia, yakni jaminan kecukupan pangan harian, harmoni modal sosial, serta resiliensi mandiri. Penelitian ini memberikan perspektif baru bagi evaluasi kebijakan pembangunan desa yang lebih humanis.

Page 20 of 20 | Total Record : 194

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