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Kawakib: Journal of Multidisciplinary Research
Published by Konsultan Jurnal Ilmiah Indonesia
ISSN : -     EISSN : 30891094     DOI : https://doi.org/10.63738/kawakib.v1i1.1
Core Subject : Religion, Humanities, Education, Social,
Religion Humanities Education Languange, Linguistic, Communication & Media Social Sciences
Kawakib, Journal of Multidisciplinary Research is an open access and peer reviewed journal published by Konsultan Jurnal Ilmiah Indonesia which provides articles in related scientific fields. The scope of Kawakib, Jurnal Riset Multidisiplin contains research articles from researchers, academics, and practitioners. Specifically, papers that discuss general topics include Education, Islamic Studies, Islamic Education, Counseling Guidance, Psychology, Economics and Business, Humanities, Social Sciences, and Government Science.
Arjuna Subject : Umum - Umum
Articles 5 Documents
 1 
Search results for , issue "Vol. 1 No. 4 (2025)" : 5 Documents clear
System and Procedures for Opening an IB Maslahah Deposit Account at Bank BJB Syariah KCP Indramayu Laelatur Rizan
Kawakib: Journal of Multidisciplinary Research Vol. 1 No. 4 (2025)
Publisher : Konsultan Jurnal Ilmiah Indonesia

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.63738/kawakib.v1i4.14

Abstract

iB Maslahah Deposit Savings is one of the products of BJBS KCP Indramayu Bank. The existence of this product is an implementation of sharia banking services that provide investment alternatives in accordance with sharia principles. The iB Maslahah Deposit product at BJB Syariah bank uses the Mudharabah Mutlaqah contract, namely the contract used in deposit products in sharia banking, where the customer (shahibul maal) deposits funds to the bank (mudharib) to be managed freely by the bank in accordance with sharia principles. In a mudharabah mutlaqah agreement, the bank has complete freedom in managing customer funds without any restrictions or special instructions regarding how and where to manage these funds, as long as it adheres to provisions in accordance with Islamic law. The research method used is descriptive qualitative with a case study approach at Bank BJB Syariah KCP Indramayu. Data was obtained through interviews with banks and direct observation of the deposit account opening process. The Ib Maslahah Deposit System at Bank BJB Syariah KCP Indramayu has profit sharing given in accordance with the ratio determined at the time of the contract. The purpose of this research is to determine the system and procedures for opening a deposit account with a Mudharabah Mutlaqah agreement at PT. Bank Jabar Banten Syariah Indramayu Sub-Branch Office. The research results show the system and process for opening an Ib Maslahah Deposit account at PT. Bank Jabar Banten Syariah Indramayu Sub-Branch Office.
BTN Syariah Bank's Strategy in Resolving Problematic Mortgage Financing (Case Study at BTN Syariah Bank's Indramayu Branch Office) Muhamad As'ad
Kawakib: Journal of Multidisciplinary Research Vol. 1 No. 4 (2025)
Publisher : Konsultan Jurnal Ilmiah Indonesia

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.63738/kawakib.v1i4.15

Abstract

Along with the rapid development of the sharia banking sector in Indonesia, Bank BTN Syariah, as one of the banking institutions that prioritizes sharia principles, is facing various challenges in resolving problematic KPR (Home Ownership Credit) financing. This problem arises in line with the increasing number of customers who are unable to fulfill their installment payment obligations due to various factors, such as unstable economic conditions, unemployment, or a decline in people's purchasing power. Apart from that, limited understanding of sharia banking products also exacerbates this problem. Effective resolution of problematic mortgage financing is crucial to maintaining the sustainability of bank operations, while ensuring that the settlement process remains in accordance with sharia provisions. Therefore, it is important for Bank BTN Syariah to implement a strategy that not only prioritizes financial aspects, but also considers humanitarian and sharia aspects, with the aim of helping customers get out of financial difficulties without violating the principles established in sharia banking. Success in resolving problematic financing will determine the bank's reputation in the eyes of the public and customers, as well as contribute to the stability of the sharia banking sector in Indonesia.
Implementation of the Wadiah Agreement on the IB Mashlahah Savings Product at Bank BJB Syariah KCP Indramayu Ibah Mahbubah
Kawakib: Journal of Multidisciplinary Research Vol. 1 No. 4 (2025)
Publisher : Konsultan Jurnal Ilmiah Indonesia

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.63738/kawakib.v1i4.16

Abstract

The IB Maslahah savings account is one of the savings products offered by Bank BJB Syariah KCP Indramayu. This product aims to provide a Sharia-based savings solution, adhering to the implementation of Sharia principles in managing savings by Sharia financial institutions. It employs the Wadiah Yadh Dhamanah contract principle, ensuring the security of customer funds and is intended for individuals or legal entities (Limited Liability Companies, Foundations, and Cooperatives). Under this contract, customers entrust their funds to the bank for safe storage without any obligation for the bank to provide a return. The recipient of the deposit (the bank) bears full responsibility for the entrusted funds and is obligated to return them in full if the customer decides to withdraw the funds or items at any time. This research aims to explore the implementation of the IB Maslahah savings product at Bank BJB Syariah KCP Indramayu, describe the mechanism of the Wadiah contract in managing the IB Maslahah savings product, and uses a descriptive qualitative method. The data were obtained through interviews with one of the bank's employees and field observations of the Wadiah contract implementation in the IB Maslahah savings product.
Marketing Strategy for Home Ownership Financing (PPR) Products at Bank BJB Syariah KCP Indramayu Meida Tisnawati Putri
Kawakib: Journal of Multidisciplinary Research Vol. 1 No. 4 (2025)
Publisher : Konsultan Jurnal Ilmiah Indonesia

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.63738/kawakib.v1i4.17

Abstract

Financial services are an essential part of the modern economy, including the banking sector, which plays a vital role in supporting economic development. In the Islamic economic system, the significance of Islamic banking has grown rapidly along with increasing public awareness of Sharia-based financial principles. Bank BJB Syariah KCP Indramayu, one of the Islamic banks in Indonesia, supports government programs through subsidized Sharia-based Home Financing (PPR) products. These products aim to assist low-income communities (MBR) in obtaining proper housing through Sharia contracts such as Murabaha, Musharakah Mutanaqisah, and Ijarah Muntahiyah Bi Tamlik. This study aims to explore the marketing strategies employed by Bank BJB Syariah KCP Indramayu to increase public interest in subsidized Sharia-based PPR products. A qualitative approach was used to collect data through interviews and direct observations at the research site. The results indicate that the marketing strategies implemented include utilizing customer data for personalized offers, conducting the "Grebek Pasar" program, distributing brochures as an information medium, and more. The main challenges identified include the lack of Sharia literacy in finance, competition from conventional banks, and the limited purchasing power of the local community.
The Influence of Flash Sale Promos on Gen-Z Shopping Behavior on the TikTok Shop Marketplace Platform Didik Himmawan; Ririn Ropiah
Kawakib: Journal of Multidisciplinary Research Vol. 1 No. 4 (2025)
Publisher : Konsultan Jurnal Ilmiah Indonesia

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.63738/kawakib.v1i4.22

Abstract

This study examines the role of marketplaces in online shopping among Gen-Z, particularly on the TikTok Shop platform. The goal of this study is to help Gen-Z use the platform wisely by understanding its advantages and disadvantages. Quantitative research was used, collecting data through interviews, observations, and a Google Form questionnaire with Islamic Education students at Wiralodra University. The results show that TikTok Shop has become a popular platform among Gen-Z due to its ease of access, significantly lower prices, and the strong influence of digital trends such as FOMO. However, there have been negative impacts on traditional markets, including a drastic decline in revenue. Furthermore, challenges with the delivery system and the risk of counterfeit goods fraud pose challenges for users. In conclusion, TikTok Shop plays a significant role in changing Gen-Z shopping behavior, but careful transaction processing is required to avoid losses.

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