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Ari Kartiko
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Create: Journal of Islamic Management and Business
Published by Perkumpulan Dosen Tarbiyah Islam Indonesia
ISSN : -     EISSN : 31089496     DOI : https://doi.org/10.59373/create
Core Subject : Religion, Economy, Humanities, Social,
Religion Humanities Economics, Econometrics & Finance Law, Crime, Criminology & Criminal Justice
Create: Journal of Islamic Management and Business is published by Perkumpulan Dosen Tarbiyah Islam Indonesia (PDTII). The journal provides a platform for research and studies in management and business, with a focus on Islamic values. Topics include business strategy, innovation, Islamic finance, human resource management, entrepreneurship, marketing, and business ethics. The journal also accepts research on Islamic consumer behavior, sharia-based investments, and corporate social responsibility.
Arjuna Subject : Ilmu Ekonomi, Ekonometrika dan Keuangan (semua kategori) - Ilmu Ekonomi, Ekonometrika dan Keuangan (Lain-Lain)
Articles 10 Documents
 1 
Mobile Banking Service Strategy of Indonesian Syariah Bank (SOAR Analysis Study by Stavros, Cooperrider and Kelly) Eva Walanda Setyoningrum; Sundari; Rahma Sandhi Prahara
Create: Journal of Islamic Management and Business Vol. 1 No. 1 (2025): Islamic Business and Management
Publisher : Perkumpulan Dosen Tarbiyah Islam Indonesia

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Abstract

Digital banking services through mobile banking platforms provide convenience, effectiveness, and efficiency for customers in conducting digital transactions via mobile phones and the internet. The method used to analyze data in the field is SOAR analysis, which aims to determine the company's strategy based on internal and external factors in order to achieve the goals of mobile banking services. SOAR analysis includes four main elements: strengths, opportunities, aspirations, and results. Based on this background, the formulation of the problem proposed is how is the strategy of PT. Bank Syariah Indonesia (BSI) based on SOAR analysis, with the aim of analyzing PT. Bank Syariah Indonesia's mobile banking services using SOAR analysis. This study uses a qualitative research method, with primary and secondary data. Data collection techniques are carried out through interviews, observations, and documentation. The data analysis technique used is SOAR analysis. The results of research in the field show that BSI's mobile banking services can help and facilitate customer banking activities only through mobile phones that can be done anytime and anywhere. The results of the SOAR analysis show that the strengths of BSI's mobile banking services include transactions that can be done anywhere, time efficiency, ease of transactions, card management features, fast information services, and easy mobile banking activation via mobile phones. The opportunities include the implementation of new technologies through IT development, expansion of BSI services to the international market, and aspirations to be able to check monthly accounts and activate services independently. The result of this analysis is an increase in services on the BSI mobile application, which makes it easier for customers to use the BSI mobile application and increase the number of BSI mobile users.
Head Role School As Inner Motivator Improving Teacher Performance Andika Aprilianto; M. Ayi Abdul Majid; Ari Kartiko
Create: Journal of Islamic Management and Business Vol. 1 No. 1 (2025): Islamic Business and Management
Publisher : Perkumpulan Dosen Tarbiyah Islam Indonesia

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Abstract

This research was conducted at SMAN 1 Gondang school, with the aim of knowing the role as a motivator and strategy carried out by the principal at SMAN 1 Gondang so that teacher performance increased. The type of research used by the researcher is qualitative research. Subjects in this study included school principals, section head curriculum, and teachers. Researchers collect data using observation, interviews and documentation, for the data wetness technique used is triangulation which includes triangulation of sources, techniques and time. The results of this study indicate that the principal's role as a motivator, among others, creates an emotional connection by making the work environment like a family, being a nurturing parent figure, and also making direct or indirect approaches. Then the strategy carried out by the principal to improve teacher performance, the first is discipline development, discipline is the main factor in achieving success, second is training, continuous efforts to improve the quality of the individual, third is providing motivation, providing stimulus and direction to keep working fully spirit, the fourth is giving awards, as a form of support and attention to teachers who have a good level of performance, the fifth is making a program
Tingkat Literasi Keuangan Syariah Mahasiswa Program Studi Ekonomi Syariah dan Perbankan Syariah: Studi Kasus Elia Mauliana; Cantik Tri Rahajeng
Create: Journal of Islamic Management and Business Vol. 1 No. 1 (2025): Islamic Business and Management
Publisher : Perkumpulan Dosen Tarbiyah Islam Indonesia

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Abstract

Financial literacy knowledge is very important to form quality and intelligent students in managing finances. Financial literacy is a life skill that every individual needs to have to support long-term life. Understanding financial literacy helps individuals in planning personal finances and improving their standard of living. Students of the Islamic Economics and Islamic Banking Study Program have received courses related to financial institutions in semesters 6, 7, and 8, so in theory they are expected to have financial literacy skills. This study aims to determine the level of Islamic financial literacy of Islamic Economics and Islamic Banking students. The research method uses a descriptive quantitative approach. The population was 120 people, with a sample of 92 people selected through cluster sampling techniques. Data were analyzed using descriptive statistics. The results showed that the level of Islamic financial literacy of students reached 71.46%. Based on the financial literacy criteria according to Chen and Volpe, this percentage is included in the moderate category. Referring to the OJK classification, the level of financial literacy is included in the sufficient literate category. The average percentage of financial literacy levels in each aspect is: basic sharia financial knowledge of 73.2%, sharia savings and loans of 74.9%, sharia insurance of 68.62%, and sharia investment of 68.9%.
Exploring Customer Interest in Faedah IB Savings: A Comprehensive Analysis Qurrotu Aini; Mohamad Toha; Sundari; Freddrick Tiagita Putra
Create: Journal of Islamic Management and Business Vol. 1 No. 1 (2025): Islamic Business and Management
Publisher : Perkumpulan Dosen Tarbiyah Islam Indonesia

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Abstract

Marketing efforts play a crucial role in attracting customers to use BRI Syariah’s products, aiming to make these products easy to sell and widely appealing to both existing and potential customers. This study aims to explore customer interest in the Faedah iB savings product at Bank BRI Syariah KCP Mojosari, Mojokerto. To address this objective, a descriptive qualitative approach with a case study method was employed. The data analysis reveals several key findings: 1) Attention, Customers are aware of the Faedah iB savings product primarily through their own initiative in visiting the bank and receiving direct information from BRI Syariah staff. 2) Interest Customers are drawn to the Faedah iB savings due to its alignment with their individual background and the high-quality service provided by BRI Syariah during the process. Customers feel well served and receive clear explanations regarding the product’s details. 3) Desire Customers’ interest in the costs associated with the Faedah iB savings product depends on their personal perspectives and financial capabilities. Many opt for products with lower costs that can serve as a means of saving money for their internal needs. 4) Action Customers are motivated to use the Faedah iB savings account to support their business needs. 5) Halal Lifestyle Awareness Customers also aim to meet financial needs while shifting their perspective towards selecting products that align with their values, particularly in terms of a halal lifestyle.
Contribution of Islamic Boarding Schools to Community Economic Development Agnes Cahyatria Manaku
Create: Journal of Islamic Management and Business Vol. 1 No. 1 (2025): Islamic Business and Management
Publisher : Perkumpulan Dosen Tarbiyah Islam Indonesia

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Abstract

Economic changes experienced by the community in Kembangbelor village Pacet District of Mojokerto Regency cannot be separated from the role of Amanatul Ummah Islamic Boarding School. Previously the level of poverty in the village was still high because many of the people worked as farmers. The existence of cottages helped improve the economy of the community. The role in this case is a device of behavior expected and owned by people or institutions domiciled in the community. The research aims to analyze the role given by Amanatul Ummah Islamic Boarding School to the economy of Kembangbelor village community. The study used qualitative research types and case study approaches. The research location was in Kembangbelor village, Pacet District, Mojokerto Regency. The data collection techniques used were secondary data and primary data, while data analysis techniques used were from Miles and Hiberman. The results showed the role of Amanatul Ummah Islamic Boarding School on the community economy, including creating jobs by inviting people to contribute by providing their services as the security guards, cooks, canteen officers, janitors, building porters and laundry workers. Another role is to open business opportunities for the community, such us teachers, outlets, coffee shops, street vendors, inns and even parking attendants. Based on this role, the Amanatul Ummah Islamic Boarding School indirectly empowers the community in improving the economy, but a wider community empowerment program is needed to improve the ability and independence of the community
Understanding Halal Awareness in the Digital Age: A Millennial Perspective Muhammad Syarofi; Muhammad Lathoif Ghozali; Majdy Kasheem
Create: Journal of Islamic Management and Business Vol. 1 No. 2 (2025): Islamic Business and Management
Publisher : Perkumpulan Dosen Tarbiyah Islam Indonesia

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.59373/create.v1i2.162

Abstract

Lack of education and socialization about halal in the digital era creates a gap in understanding and awareness of halal by the millennial generation, this has an impact on the low concern of this generation towards the importance of consuming halal products and poses a risk in choosing products that are in accordance with halal principles. Without adequate education, the millennial generation tends to pay less attention to halal and tayyib aspects, which can affect their health and quality of life in accordance with Islamic values.The purpose of this study is to understand how halal awareness is formed among the millennial generation in the digital era.This research uses the method systematic literature review comprehensive understanding of halal awareness among millennials in the context of the digital era, involving the search and analysis of relevant reference sources, such as books, national journals, and international journals, related to the research topic. The results of this study indicate that the level of halal awareness among Indonesian Muslim millennials influenced by various factors, including religious beliefs, media exposure, family environment, and motivations of actors in the halal product production chain still needs to be improved. Although there is a potential for a decline in the growth of halal awareness, the lack of consistent education and policy support is the main challenge.
Transformation of Madrasah Financial Reports Through Sharia Accounting Rusmini; Ardana Alfiandi
Create: Journal of Islamic Management and Business Vol. 1 No. 2 (2025): Islamic Business and Management
Publisher : Perkumpulan Dosen Tarbiyah Islam Indonesia

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.59373/create.v1i2.194

Abstract

This study examines the implementation of Sharia accounting principles in the financial reports of Islamic educational institutions, with a case study at Madrasah Aliyah Al Qodiri 02 Krebet Gumukmas Jember. The research was conducted under the Sharia Economics Study Program, Faculty of Islamic Economics and Business, Al-Falah As-Sunniyah University (UAS) Kencong Jember. Islamic educational institutions in Indonesia, such as pesantren and madrasah, play a vital role in developing the nation’s intellectual and spiritual character. They not only impart general knowledge but also instill religious values based on Sharia principles. Using a descriptive qualitative approach, this study relies on the perspectives of participants obtained through interviews, observation, and document analysis. Data were interpreted thematically to assess the application of key Sharia accounting principles, including transparency, justice, prevention of gharar (uncertainty), prevention of riba (usury), and the management of zakat and sadaqah (charity). Findings indicate that financial reporting at Madrasah Aliyah Al Qodiri 02 is based on the General Cash Book (BKU) and the Madrasah Activity and Budget Plan (RKAM). Although the process is still manual and relatively simple, it reflects consistent efforts toward orderliness, accountability, and compliance with both government standards and Sharia values. Income from BOS funds, donations, and other sources is documented and reported periodically, while zakat and sadaqah funds are allocated to students in need. This study highlights the importance of strengthening technical guidance and human resource capacity to enhance Sharia-compliant financial reporting in Islamic educational institutions.
Influence of Celebrity Appeal and Halal Label on Wardah Purchase Decisions: Role of Brand Image Achmad Agus Priyono; Ahmat Nurulloh
Create: Journal of Islamic Management and Business Vol. 1 No. 2 (2025): Islamic Business and Management
Publisher : Perkumpulan Dosen Tarbiyah Islam Indonesia

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.59373/create.v1i2.207

Abstract

This study aims to analyze the influence of celebrity endorsements and halal labels on purchasing decisions for Wardah cosmetic products, with brand image as a mediating variable. This study used a quantitative explanatory approach involving 65 student respondents from private universities in Malang City. Data were analyzed using the Structural Equation Modeling-Partial Least Squares (SEM-PLS) method with the assistance of SmartPLS software. The results showed that celebrity endorsements and halal labels significantly influenced brand image, but did not have a direct or indirect influence on purchasing decisions. This finding reflects a shift in the behavior of Generation Z Muslim consumers from a symbolic orientation to a functional evaluation in assessing halal products. Although brand image is formed positively through celebrity endorsements and halal labels, this is not enough to directly drive purchase intentions, so a more authentic and experience-based marketing approach is needed. Theoretically, this study contributes by expanding the consumer behavior model through consideration of brand trust and digital engagement as additional constructs. The practical implication is that brands like Wardah need to prioritize branding strategies that are more immersive, transparent, and focused on creating shared value to address the increasingly complex and digitally connected dynamics of the modern halal market.
Talent Management Digitalization Strategy: The Role of AI, Training, and Organizational Culture Suraining Rosodor; Freddrick Tiagita Putra
Create: Journal of Islamic Management and Business Vol. 1 No. 2 (2025): Islamic Business and Management
Publisher : Perkumpulan Dosen Tarbiyah Islam Indonesia

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.59373/create.v1i2.214

Abstract

The transformation of student organizations in the digital era faces significant challenges in human resource management, particularly in talent management. Reliance on conventional training methods, a relatively static organizational culture, and the low utilization of technologies such as artificial intelligence (AI) create significant gaps in the development of member potential. This phenomenon demands a more dynamic, adaptive, and technology-based talent management approach to address the complexities of globalization and digitalization. This study aims to analyze the influence of training, organizational culture, and the use of AI on the effectiveness of talent management in student organizations. A quantitative approach with an explanatory design was used in this study, involving 74 respondents purposively selected from 285 student organization members of the Faculty of Economics and Business, University of Islam Malang. Data analysis techniques included multiple linear regression and a series of classical assumption tests. The results showed that all three independent variables significantly influenced talent management, both partially and simultaneously, with an adjusted R² value of 66.9%. This finding presents a novel approach in the integration of AI, particularly through computer vision technology and expert systems, as an efficient and objective data-driven evaluation and decision-making tool. This approach is still rarely implemented in the context of non-formal higher education organizations. The practical implications of this research emphasize the importance of synergy between targeted training, collaborative organizational culture, and technological innovation to strengthen competitiveness, loyalty, and leadership quality in sustainable student organizations.
Penetrating the Culinary Market Through Sharia Marketing Strategies Mega Tunjung Hapsari; Siti Kalimah
Create: Journal of Islamic Management and Business Vol. 1 No. 2 (2025): Islamic Business and Management
Publisher : Perkumpulan Dosen Tarbiyah Islam Indonesia

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.59373/create.v1i2.225

Abstract

This study explores the implementation of the 12P marketing mix strategy in a home-based catering business as a means to increase sales volume in a competitive culinary market. Despite limited managerial and financial resources, the business under study successfully adopted an integrated marketing approach encompassing product planning, pricing, branding, servicing, promotion, and distribution. The research employs a qualitative descriptive method, collecting data through interviews, observations, and documentation with the business owner, employees, and customers. Results indicate that consistent taste quality, flexible and customizable product offerings, responsive customer service, and simple yet impactful digital promotion are key drivers of success. Conversely, challenges such as delayed customer payments, labor limitations during peak orders, and the absence of documented procedures hinder operational efficiency. A surprising finding is that sophisticated marketing strategies, often associated with large corporations, can be effectively applied in micro-businesses when grounded in empathy, local context, and service ethics. Theoretically, this study contributes to the expansion of service marketing literature by validating the practical relevance of the 12P framework for micro-enterprises, especially in the food service sector. Practically, the study offers a replicable model for small business owners to enhance customer satisfaction and sustain growth using accessible tools and strategies. Limitations of the study include its single-case scope and qualitative nature, inviting future research with broader and more quantitative designs.

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