scholarly journals STRATEGI PEMASARAN BAITUL MAAL WA TAMWIL INSAN MANDIRI DALAM MENINGKATKAN VOLUME PENJUALAN PRODUK PEMBIAYAAN MUSYARAKAH

2021 ◽  
Vol 1 (2) ◽  
Author(s):  
Indah Mahardya Putri ◽  
Husna Ni'matul Ulya
Keyword(s):  
Economic Development ◽  
Financial Institutions ◽  
Field Research ◽  
Marketing Mix ◽  
Qualitative Approach ◽  
Social Functions ◽  
The Public ◽  
The People ◽  
Marketing Mix Strategy ◽  
Number Of Customers

Baitul Maal wa Tamwil is one of the private financial institutions whose capital is fully sourced from the community. BMT has an important meaning for economic development as well as the development of social functions. BMT has a role to help, improve and develop the potential of the people in alleviating poverty. Based on the results of interviews with BMT, it was stated that the people around BMT Insan Mandiri were less interested in using musyarakah financing products. The number of customers during the last 2 years at BMT Insan Mandiri has increased quite rapidly, but the majority of customers choose other financing products. From here the BMT must optimize its marketing strategy to increase the number of customers for musharaka products. This type of research uses field research and uses a qualitative approach. Data collection techniques in this study are interviews, observation, and documentation. The results of this study are: 1) The overall development of the number of BMT Insan Mandiri customers has increased over the last 2 years. However, the majority of customers choose murabahah and mudaraba financing products. 2) Overall the 7p marketing mix strategy has been optimally implemented at BMT Insan Mandiri. The marketing mix strategy carried out greatly influences the development of musyarakah financing products. the public and business actors are not familiar with musyarakah financing products, so further learning and introduction are needed to increase the number of customers of musyarakah financing products. Baitul Maal wa Tamwil merupakan salah satu lembaga keuangan swasta yang modalnya sepenuhnya bersumber dari masyarakat. BMT memiliki arti penting bagi pembangunan ekonomi sekaligus pengembangan fungsi sosial. BMT memiliki peran untuk membantu, meningkatkan dan mengembangkan potensi masyarakat dalam mengentaskan kemiskinan. Berdasarkan hasil wawancara dengan BMT, disebutkan bahwa masyarakat di sekitar BMT Insan Mandiri kurang berminat menggunakan produk pembiayaan musyarakah. Jumlah nasabah selama 2 tahun terakhir di BMT Insan Mandiri meningkat cukup pesat, namun mayoritas nasabah memilih produk pembiayaan lainnya. Dari sinilah BMT harus mengoptimalkan strategi pemasarannya untuk meningkatkan jumlah pelanggan produk musyarakah. Jenis penelitian ini menggunakan penelitian lapangan dan menggunakan pendekatan kualitatif. Teknik pengumpulan data dalam penelitian ini adalah wawancara, observasi, dan dokumentasi. Hasil dari penelitian ini adalah: 1) Secara keseluruhan perkembangan jumlah nasabah BMT Insan Mandiri mengalami peningkatan selama 2 tahun terakhir. Namun, mayoritas nasabah memilih produk pembiayaan murabahah dan mudharabah. 2) Secara keseluruhan strategi bauran pemasaran 7p telah diterapkan secara optimal di BMT Insan Mandiri. Strategi bauran pemasaran yang dilakukan sangat mempengaruhi perkembangan produk pembiayaan musyarakah. masyarakat dan pelaku usaha belum familiar dengan produk pembiayaan musyarakah, sehingga diperlukan pembelajaran dan pengenalan lebih lanjut untuk meningkatkan jumlah nasabah produk pembiayaan musyarakah.

scholarly journals ANALISIS STRATEGI PEMASARAN TERHADAP MINAT NASABAH PADA PERBANKAN DI PEMATANGSIANTAR

2020 ◽  
Vol 3 (1) ◽  
pp. 248
Author(s):  
Sarida Sirait ◽  
Kalvin Sinaga
Keyword(s):  
Marketing Strategy ◽  
Financial Institutions ◽  
Personal Selling ◽  
Field Research ◽  
Marketing Mix ◽  
Research Field ◽  
Marketing Strategies ◽  
Coefficient Of Determination ◽  
Marketing Mix Strategy ◽  
Strategy Variables

Financial institutions, both bank and non-bank, which continue to develop in Indonesia will encourage financial institutions to always optimize their marketing activities. One of them is Bank Mandiri in facing competition. One of the strategies of Bank Mandiri is the marketing mix strategy. The formulation of the problem in this study is whether the Marketing Mix strategy affects the interest of Bank Mandiri KC Pematangsiantar customers. The purpose of this study is to determine whether the Marketing Mix affects customer interest in Bank Mandiri KC Pematangsiantar. This research is a type of field research (field research) with a descriptive nature using primary and secondary data, in addition to the data collection methods in this study using observation and interview methods, and this method of analysis using quantitative analysis methods. Based on the results of this study, it shows that the application of marketing strategies uses a marketing mix, the products offered are very varied according to the needs of society for the present and the future, then promotion using personal selling, advertising via television, brochures and others. , publicity with exhibition activities, social service. The marketing strategy that has been implemented has been good in increasing customer interest. Respondents in this study were 97 customers. From the results of data analysis it can be concluded that, there is a significant positive influence between marketing strategy variables (X) on customer interest (Y) at Bank Mandiri Kc Pematangsiantar, the contribution of the influence of marketing strategy variables (X) on customer interest (Y) coefficient of determination (R2) 0.76 shows that 76% of marketing strategies (X) affect customer interest (Y), while 24% are influenced by other variables not discussed in this study.

scholarly journals Study on the Prevention and Controlling of Dissimilation of Social Functions of Commercial Banks Based on the Fulfillment of Social Responsibility of Chinese Commercial Banks

2020 ◽  
Vol 1 (2) ◽  
Author(s):  
Zhuobi Luo
Keyword(s):  
Economic Growth ◽  
Economic Development ◽  
Commercial Banks ◽  
Well Being ◽  
Great Contribution ◽  
Social Functions ◽  
The People ◽  
The Social ◽  
The World ◽  
Socio Economic Development

The dissimilation of the social functions of commercial banks is a phenomenon that the function of commercial banks deviates from the economic development and the people's livelihood. Such phenomenon, which can be seen all over the world, impedes the socio-economic development and affects the well-being of the people to some degree. After investigating and analyzing the dissimilation of the social functions of Chinese commercial banks, it was found that their social functions play a significant role, and the booming development of these banks has made great contribution to the economic growth and improved people's livelihood in China. China should also have special experience in preventing and handling this dissimilation.

scholarly journals Pengelolaan Dana Lembaga Filantropi Islam Dalam Pengembangan Ekonomi Umat

2020 ◽  
Vol 2 (1) ◽  
pp. 41-50
Author(s):  
Deden Gandana Madjakusumah ◽  
Udin Saripudin
Keyword(s):  
Public Policy ◽  
Economic Development ◽  
Literature Review ◽  
Social Service ◽  
Child Protection ◽  
Qualitative Approach ◽  
Poor People ◽  
Policy Advocacy ◽  
Legal Aid ◽  
The People

Purpose: This paper aims to gather information about the management of ZISWAF through literature review. Methods: This study uses a qualitative approach to describe findings from facts and reality in society with a phenomenology approach. A literature review and documentation are conducted to collect the data. Finding: ZISWAF funds can be maximized for the economic development of the people, but currently these funds are still much engaged in the area of social service activities, charity assistance, compensation for orphans, Madrasah development, and others. Even tend to ignore the interests of other Muslims such as legal aid, child protection, public policy advocacy, women's empowerment, and several other important agendas, still lacking support from the utilization of philanthropic funds in addition to efforts to find out the potential of Islamic philanthropy and its impact on the economic development of the people, especially poor people or poor people.

scholarly journals Kesiapan Hakim dalam Penyelesaian Sengketa Ekonomi Syariah Pasca Keluarnya PERMA No. 14 Tahun 2016

2018 ◽  
Vol 9 (2) ◽  
pp. 159
Author(s):  
Naili Rahmawati
Keyword(s):  
Data Collection ◽  
Financial Institutions ◽  
Economic Activity ◽  
Qualitative Approach ◽  
Data Collection Methods ◽  
The People ◽  
Collection Methods ◽  
Descriptive Qualitative

AbstractSupreme Court Regulation (PERMA) No. 14 of 2016 concerning Procedures for Settling Sharia Economic Disputes requires the readiness of the handling of professional religious justice apparatus, including in the Giri Menang religious court, NTB, where this research was conducted. The jurisdiction of the religious court covers two districts, namely West Lombok and North Lombok. The high economic activity of the people in contact with sharia financial institutions in the two districts allows many cases to be accepted. This study uses a descriptive qualitative approach with a focus on the response of the judges about their authority in handling sharia economic cases and to see their readiness to settle cases after the issuance of PERMA. Data collection methods used are observation, documentation, interviews and questionnaires were distributed to 12 respondents, namely all judges in the PA. The results of the analysis show that in general the judges responded positively to the authority to handle sharia economic cases. In addition, they were ready to settle the sharia economic dispute after the issuance of PERMA.AbstrakKeluarnya Peraturan Mahkamah Agung (PERMA) No. 14 Tahun 2016 tentang Tata Cara Penyelesaian Sengketa Ekonomi Syariah menuntut kesiapan penanganan dari aparatur peradilan agama secara profesional termasuk di pengadilan agama Giri Menang, NTB, tempat penelitian ini dilakukan. Wilayah yurisdiksi dari pengadilan agama tersebut meliputi dua kabupaten, yaitu Lombok Barat dan Lombok Utara. Tingginya aktifitas ekonomi masyarakat yang bersentuhan dengan lembaga keuangan syariah di kedua kabupaten tersebut memungkinkan munculnya banyak perkara yang akan diterima. Penelitian ini menggunakan pendekatan kualitatif deskriptif dengan fokus pada respon para hakim tentang kewenangannya dalam menangani perkara ekonomi syariah dan untuk melihat kesiapan mereka dalam menyelesaikan perkara pasca keluarnya PERMA tersebut. Metode pengumpulan data yang digunakan, yaitu observasi, dokumentasi, wawancara dan kuesioner yang disebar kepada 12 responden, yaitu seluruh hakim yang ada di PA tersebut. Hasil analisis menunjukkkan bahwa secara umum para hakim merespon positif atas kewenangan untuk menangani perkara ekonomi syariah. Selain itu, mereka telah siap dalam menyelesaikan perkara sengketa ekonomi syariah pasca keluarnya PERMA tersebut

scholarly journals Tradisi Ziarah Kubur Pasca Pernikahan (Studi Kasus Kelurahan Manisa, Kecamatan Baranti, Kabupaten Sidrap, Sulawesi Selatan)

2020 ◽  
Vol 1 (3) ◽  
pp. 272-293
Author(s):  
Syandri ◽  
Iskandar ◽  
Sulaiman Kadir
Keyword(s):  
Field Study ◽  
Islamic Law ◽  
Field Research ◽  
Qualitative Approach ◽  
Urban Village ◽  
South Sulawesi ◽  
Library Research ◽  
The People ◽  
Special Time

This study aimed to identify the process and purpose of the grave pilgrimage tradition after marriage in Manisa village, Baranti subdisctrict, Sidrap district, South Sulawesi, and also to examine the law of the custom in the view of Islamic law. This research employed a qualitative approach with the field study method (Field Research) and library research. The study shows that: 1. People ini Manisa village after celebrating their wedding they make grave pilgrimage in forms of such as: Determining a certain time according to the agreement of the bride and groom, preparing the necessary preparations such as water, kettles, and pandanus leaves, making ablution before going to the graveyard, praying before entering the cemetery, watering the grave with water mixed with pandanus leaves, holding the gravestone, praying for the late by reciting certain chapters finalized by surah Al-Fatihah. 2. Grave pilgrimage is one of the prescribed acts of worship but it should be in accordance with the guidance of the Prophet. As for what is found in the people of Manisa Urban Village, there are still a number of differences between what they do and what had been exemplified by the Messenger of Allah such as the determination of a special time for the grave pilgrimage, watering the grave, and seeking for blessing from the graves visited.

scholarly journals Al-Mashaqqah Tajlib Al-Tays¬ir Makna Dan Implikasinya Dalam Pengembangan Ekonomi Islam

2018 ◽  
Vol 3 (2) ◽  
Author(s):  
M. Dliyaul Muflihin
Keyword(s):  
Economic Development ◽  
Financial Institutions ◽  
Islamic Law ◽  
Islamic Banking ◽  
Islamic Banks ◽  
Equal Distribution ◽  
The Public ◽  
Islamic Financial Institutions ◽  
Islamic Economic

The problem of Islamic economics is also increasingly complex with the large number of banks. To meet the needs of transactions, banks have products that are offered to the public. In accordance with the function of the bank, namely collecting and distributing funds to the public. The purpose of channeling funds by Islamic banks is to support the implementation of development, improve justice, togetherness and equal distribution of people's welfare. This paper will answer what is the meaning of al-mashaqqah tajlib al-taysir and how do the Implications of al-mashaqqah tajlib al-taysir in the development of Islamic economy? The result of research shows that the meaning of the rule of al-mashaqqah tajlib al-taysir is the difficulty of bringing convenience. The point is that if implementing a provision of shara' mukallaf faces obstacles in the form of difficulties and limitations that exceed the limits of reasonable capabilities, then the difficulty automatically creates relief provisions. In other words, if we find difficulty in carrying out something that is to be sharia, then the difficulty becomes a justifiable cause to facilitate in carrying out something that is to be provision of sharia, so that we can continue to run the sharia of Allah easily. The implications raised by the rules of al-mashaqqah tajlib al-taysir are the determination of the law of Islamic financial institutions. This impact is seen when Islamic law allows transactions in Islamic banking financial institutions, so that the community will easily meet the needs by transacting with Islamic banking through contracts that have been agreed upon. Keywords: al-Mashaqqah Tajlib al-Taysir, Islamic Economic Development

scholarly journals Analysis of Islamic Economic on Production Management of Home Industry Farmers Group Ambudi Makmur 2 Kramat Bangkalan

2021 ◽  
Vol 7 (2) ◽  
pp. 144-163
Author(s):  
Bustomi Arisandi ◽  
Mashudi Mashudi ◽  
Imamul Muttaqin
Keyword(s):  
Production Management ◽  
Raw Materials ◽  
Field Research ◽  
Qualitative Approach ◽  
Good Management ◽  
Production Factors ◽  
The People ◽  
Processed Products ◽  
Islamic Economic ◽  
Home Industries

The background of this study is because of the number of Salak fruits in wrong treatment so that the group of farmers work together to make the fruits into several processed products.   Home industy of farmers group Ambudi Makmur 2 Kramat Bangkalan is one of home industries in Bangkalan district; this company is engaged in the production and processing of salak. The company has 13 products from the processed salak good management is needed to make the production activities run optimally. Besides, it is also supported by the alignment of production factors so that the production activities are in accordance with the targets of expectation. Because it affects the income and progress of the company, this type of the study is included in field research. To obtain the data in this study, the present study used interview, observation and documentation. Meanwhile, in analyzing the data, this study used qualitative approach such as describing the object according to the actual fenomena. Based on the results of the research that the home industry or Unit Dagang (UD), Budy Jaya has carried out production management properly and does not against the Islamic economic principles, where in production activities uses clean and halal raw materials and equipments. This is done to provide the best hospitality for the benefit of the people. Keywords: Management, production, processed salak, Islamic Economy.

scholarly journals PERILAKU SOSIAL WANITA RAWAN SOSIAL TERKAIT DENGAN NORMA, ETIKA DAN ESTETIKA LINGKUNGAN DI PRUMPUNG

2020 ◽  
Vol 20 (01) ◽  
pp. 54-67
Author(s):  
FITRIA PITRI FITRIA
Keyword(s):  
Social Behavior ◽  
Qualitative Approach ◽  
Environmental Aesthetics ◽  
The Public ◽  
The People ◽  
Local Residents ◽  
Economic Needs ◽  
The Impact ◽  
Over Time

Abstract This study aims to describe the views of the public towards Social Vulnerable Women (SVW) related to norms, ethics, and environmental aesthetics, orientation and patterns of education dissemination in the SVW family, as well as the impact of implementing education on reproductive prostitution for SVW children. This research was conducted using a qualitative approach. The subjects used in this study were four SVW families consisting of children who went to school and did not attend school as well as mothers who worked as SVW, residents living in the Prumpung area. The results of this study show that as migrants who worked as SVW in Prumpung, they were maintaining their behavior with local residents. Although the work they do is contrary to norms, ethics, and environmental aesthetics. As SVW all their lives, they want to get out of that dark life. Second, people's views on SVW's social behavior in Prumpung are related to the norms, ethics and environmental aesthetics of Prumpung. The community around the beginning did not like the presence of the SVW, but over time the people or natives finally accepted their existence. This is evidenced by the establishment of rented houses, restaurants and taxibike services to service SVW. Third, the factors that support SVW's social behavior related to norms, ethics and environmental aesthetics include increasing economic needs and the lack of education they have.

scholarly journals SEPUTAR PERSOALAN PELAYANAN WAKAF DI KANTOR URUSAN AGAMA (KUA) KECAMATAN KELING KABUPATEN JEPARA

2016 ◽  
Vol 5 (2) ◽  
pp. 37 ◽  
Author(s):  
Saekhu Saekhu
Keyword(s):  
Field Research ◽  
Research Field ◽  
State Budget ◽  
Administrative Services ◽  
The Public ◽  
Normative Approach ◽  
Organization And Management ◽  
The People ◽  
The Government ◽  
The Village

<p align="justify"><em>Religious Affairs Office (KUA) Keling Sub-district as a facilitator of social and religious organizations officially designated by the government cannot be separated from the problems associated with land endowments. Besides Indonesian Waqf Board as the official agency of the government in charge of the waqf in Indonesia cannot be autonomous in terms of organization and management of these institutions due to lack of budget provided by the state to BWI and the lack of state budget is one of the factors of weak existing management system at BWI. This study is a descriptive kualitative analysis and includes field research (field Research). Methods of data collection using interview techniques, observation, observation and documentation, while wearing his approach and juridical and normative approach using inductive data analysis. </em><em></em></p><p><em>The results of this study that waqf ministry of Religious Affairs in the Office of the District Rivet is still a lack of human resources in the field do not affect the maximum donation that endowments services provided to the public. In general ministry of waqf in the Office of Religious Affairs does not affect the level of economic welfare of the people, this happens because of the cult and the management of waqf in District Rivet still traditional individual and yet professional. In other words endowments administrative services submitted to the Office of Religious Affairs (KUA) will Keling Sub-district, but the management and supervision of the Nazarenes submitted to the village.</em></p>

scholarly journals PROSES PINJAMAN KREDIT USAHA RAKYAT PADA BANK NAGARI CABANG SITEBA

2020 ◽  
Author(s):  
Yori Firnando ◽  
Elva Dona
Keyword(s):  
Financial Institutions ◽  
Standard Of Living ◽  
Public Funds ◽  
Financial Intermediary ◽  
The Public ◽  
The People ◽  
The Law ◽  
The Republic ◽  
Business Entities

Banks are business entities that collect funds from the public in the form of deposits and channel to the public in the form of credit or other forms in order to improve the standard of living of the people. Banks are defined as financial institutions whose main activities are raising funds from the public and other bank services. Banks are defined as financial institutions whose main activities are raising funds from the public and other bank services. The Bank functions as a financial intermediary that is raising funds, channeling public funds from surplus units to deposit units or transferring money from debtors to creditors. According to the Law of the Republic of Indonesia No. 7 of 1992 about banking has been changed to Law No. 10 years 1998 what is meant by a Bank is a business entity that collects funds from the public in the form of deposits and distribution to community in the form of credit or other forms in order improve the standard of living of the people. According to (Kasmir, 2001: 11) in (Zamien, 2013) Banks are defined as financial institutions whose main activities are to collect funds from the public and other bank services.

Sign in / Sign up

Export Citation Format

Share Document