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All Journal EKSYAR: Jurnal Ekonomi Syari'ah & Bisnis Islam Transformasi : Jurnal Studi Agama Islam Imtiyaz : Jurnal Ilmu Keislaman JSE: Jurnal Sharia Economica Journal of Economics, Assets, and Evaluation
Mei Santi
STAI Muhammadiyah Tulungagung
Religion Humanities Decision Sciences, Operations Research & Management Economics, Econometrics & Finance Education Law, Crime, Criminology & Criminal Justice

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STRATEGI BAURAN PEMASARAN PRODUK PEMBIAYAAN AKAD TAQSITH DALAM MENINGKATKAN JUMLAH ANGGOTA Fadil Yahya; Hasan Sultoni; Mei Santi
JSE: Jurnal Sharia Economica Vol. 3 No. 1 (2024): Januari
Publisher : LPPM STAI Muhammadiyah Probolinggo

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.46773/jse.v3i1.1100

Abstract

Abstract The aim of this research is to study how to apply the Marketing Mix Strategy to taqsith financing products at the Indonesian Syirkah Muslim Cooperation. We know that cooperative competition is very competitive. If you are a little careless, you will definitely be left behind by other cooperatives if you don't do something innovative. One of the factors that cooperatives can use to fight competition in increasing the number of customer members is by implementing a Marketing Mix Strategy which consists of 7Ps (Product, Price, Place, Promotion, People, Process, Physical Evidence). It is hoped that implementing a marketing mix strategy can increase KSMI Tulungagung members. The research method that the researcher used was a qualitative approach. Data collection techniques were carried out using observation, interviews and documentation related to the research. The research results show that implementing the 7P marketing mix strategy can have an impact, namely increasing the number of customer members of the Tulungagung Indonesian Muslim Syirkah Cooperative. Keywords: Marketing Mix, Cooperatives, Customers, Marketing Strategy, Taqsith Financing.
Penyelesaian Pembiayaan Macet Pada Anggota Koperasi Simpan Pinjam Pembiayaan Syariah Baitut Tamwil Muhammadiyah Surya Madinah Tulungagung Bagus Ahmadi; Putri Kumula Suksesiyah; Mei Santi; Arif Nur’aini
Journal of Economics, Assets, and Evaluation Vol. 1 No. 1 (2023): September
Publisher : Indonesian Journal Publisher

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.47134/jeae.v1i1.74

Abstract

Cara penyelesaian pembiayaan macet pada KSPPS BTM Surya Madinah menggunakan asas kekeluargaan, dimana anggota yang terlambat membayar dihubungi terlebih dahulu dikonfirmasi mengapa terlambat dan kapan kesanggupan untuk membayar. Tetapi apabila anggota mangkir membayar hingga bulan ke 4 maka mulai saat itu pihak KSPPS BTM Surya Madinah bertindak tegas sesuai SOP yang ada. Kemudian cara yang terakhir jika tidak mau membayar sampai 4 bulan maka yang kita lakukan penarikan jaminan atau bahasanya biasanya titip jaminan ke kantor, lalu jika sudah bisa membayar akan kami kembalikan jaminan tersebut, apabila tetap tidak bisa membayar maka akan kita jual bersama jaminan tersebut. Penyelesaian pembiayaan macet pada KSPPS BTM Surya Madinah tersebut sudah sesuai dengan ketentuan DSN MUI No. 23/DSN-MUI/III/2002 dan OJK, SOP penyelesaian pembiayaan macet yang ada di KSPPS BTM Surya Madinah sebenarnya sudah sesuai dengan ketentuan DSN MUI dan OJK. Tetapi lagi-lagi belum bisa dilaksanakan sepenuhnya karena memang melihat kondisi dari anggota KSPPS BTM Surya Madinah. Toleransi–toleransi yang ada di lapangan masih tetap dipertahankan karena untuk menjaga keberlangsungan pembiayaan anggota. The method for resolving bad financing at KSPPS BTM Surya Madinah uses the kinship principle, where members who are late in paying are telephoned first to confirm why they are late and when they will be able to pay. However, if a member fails to pay until the 4th month, from then on the KSPPS BTM Surya Madinah will act firmly according to the existing SOP. Then the last way is if you don't want to pay for up to 4 months then what we do is withdraw the guarantee or the language is usually to leave the guarantee with the office, then if we can pay we will return the guarantee, if we still can't pay then we will sell it along with the guarantee. The resolution of bad financing at KSPPS BTM Surya Madinah is in accordance with the provisions of DSN MUI No. 23/DSN-MUI/III/2002 and OJK, the SOP for resolving bad financing at KSPPS BTM Surya Madinah is actually in accordance with the provisions of DSN MUI and OJK. But again, it cannot be implemented completely because it looks at the condition of the KSPPS BTM Surya Madinah members. Existing tolerances in the field are still maintained to maintain the continuity of member financing.
Co-Authors Arif Nur’aini Aulia Nisa Asy Syahidah Bagus Ahmadi Dela Astria Dwi Susilowati Fadil Yahya Hasan Sultoni Misbakhul Khaer Putri Kumula Suksesiyah Rita Krisdianti Tri Hardono Purbo Kusumo Wahyudi