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Al-Muzdahir: Jurnal Ekonomi Syariah
Published by Institut Pesantren Sunan Drajat Lamongan
ISSN : 26555492     EISSN : 28286278     DOI : 10.55352
Core Subject : Economy,
Economics, Econometrics & Finance
berisi naskah ilmiah yang diterbitkan oleh Program Studi Ekonomi Syariah Fakultas Ekonomi dan Bisnis Islam Institut Pesantren Sunan Drajat Lamongan Jawa Timur
Arjuna Subject : Ilmu Ekonomi, Ekonometrika dan Keuangan (semua kategori) - Ilmu Ekonomi, Ekonometrika dan Keuangan (Lain-Lain)
Articles 5 Documents
 1 
Search results for , issue "Vol. 4 No. 1 (2022): Januari :  Al-Muzdahir : Jurnal Ekonomi Syariah" : 5 Documents clear
Strategi Pemasaran dalam Upaya Meningkatkan Jumlah Anggota pada Koperasi Simpan Pinjam dan Pembiayaan Syariah Mitra Usaha Ideal (KSPPS MUI) Cabang Ketanen Kabupaten Gresik Fatimatu Zahroh; Siswadi Siswadi
Al-Muzdahir : Jurnal Ekonomi Syariah Vol. 4 No. 1 (2022): Januari :  Al-Muzdahir : Jurnal Ekonomi Syariah
Publisher : Institut Pesantren Sunan Drajat Lamongan, Indonesia

Show Abstract | Download Original | Original Source | Check in Google Scholar | Full PDF (924.249 KB) | DOI: 10.55352/ekis.v4i1.310

Abstract

The term marketing strategy is not just promotion, but is how to satisfy customers with services provided so that customers are comfortable with cooperatives. This study explains the marketing strategy in an effort to increase the number of members at KSPPS MUI Ketanen Branch, Gresik Regency, which has a background of 2 KSPPS MUI branch offices in Panceng sub-district, which is a differentiator from other sub-district branch offices. This research is a qualitative descriptive field research, the subject of this research is the head of the KSPPS MUI Ketanen branch, as well as several informants, namely marketing employees of the KSPPS MUI Ketanen branch and several members of the KSPPS MUI Ketanen branch. Data collection techniques are carried out by observation, interviews and documentation. The data validation technique is carried out using source triangulation by collecting similar data and information from a variety of different sources. The results of the analysis of the marketing strategy in an effort to increase the number of members in the Ideal Business Partners Savings and Loans and Sharia Financing cooperative (KSPPS MUI) Ketanenen Branch concluded that the obstacles in increasing the number of members at the KSPPS MUI Ketanen branch included the schedule of market grebek which coincided with working hours making the grebek program the market is less than optimal, the nature of various members and payments outside working hours. The supporting factors in increasing the number of members include friendly service, being able to do transactions at home without having to come to the office and strategic places.
Strategi Pemasaran Klinik Mata KMU Gresik Seabagai Pelayanan Kesehatan Mata Leny Damayantie; R. Zainul Musthofa
Al-Muzdahir : Jurnal Ekonomi Syariah Vol. 4 No. 1 (2022): Januari :  Al-Muzdahir : Jurnal Ekonomi Syariah
Publisher : Institut Pesantren Sunan Drajat Lamongan, Indonesia

Show Abstract | Download Original | Original Source | Check in Google Scholar | Full PDF (525.881 KB) | DOI: 10.55352/ekis.v4i1.312

Abstract

KMU Gresik Main Eye Clinic is a medical eye health service with modern technology that specifically deals with eye problems such as cataracts, glaucoma, cornea, retina and refraction. The trend of eye clinics is increasing, so marketing activities are a management tool in today's business world. With the development of existing eye clinics, the eye clinic marketing strategy has become competitive. The dynamics of competition in seizing market opportunities are becoming tighter and increasingly felt. Each eye clinic has a different promotion strategy, namely in conveying information about products related to the services available. The formulation of this research problem consists of: 1. What are the marketing strategies being carried out by the KMU Gresik eye clinic in 2020 – 2023? 2. What innovative ideas can researchers provide to increase the target offering of KMU Gresik eye clinic services in 2023? This study aims to find out the marketing strategy carried out by the KMU Gresik eye clinic in 2020 – 2023. As well as provide ideas for innovation in the KMU Gresik eye clinic so that it is easy to achieve the target of eye health services. The research method used in this study is a qualitative research method with a descriptive approach. The research instruments used to collect data are observation, interviews, and documentation. The marketing strategy carried out by the KMU Gresik Eye Clinic is the first before sales (stakeholder visits, Education, Screening, Home visit, KMU Goest to school). The second is sales (health services at clinics, diagnostic examinations, doctor's examinations, medical procedures or outpatient care). The third is after sales (control reminders for post cataract surgery patients one day, one week, and one month.
Penerapan Manajemen Resiko pada Produk Pembiayaan di Lembaga Keuangan Mikro Syariah di KSPPS MUI Sekapuk Ujungpangkah Gresik Muhammad Awaludin Islam; Sutopo Sutopo
Al-Muzdahir : Jurnal Ekonomi Syariah Vol. 4 No. 1 (2022): Januari :  Al-Muzdahir : Jurnal Ekonomi Syariah
Publisher : Institut Pesantren Sunan Drajat Lamongan, Indonesia

Show Abstract | Download Original | Original Source | Check in Google Scholar | Full PDF (521.853 KB) | DOI: 10.55352/ekis.v4i1.313

Abstract

BMT KSPPS MUI is a sharia microfinance institution that manages these funds using financing products. financing products that are carried out are not free from risks, especially during the current pandemic. To prevent this risk from occurring, risk management is applied to financing products at the KSPPS MUI Sekapuk Branch. This research aims to: 1). know how to apply risk management to financing products and 2). find out what are the obstacles in implementing risk management in financing products. Because carrying out the implementation of risk management can prevent bad financing. The method used in collecting data in this study uses interviews, operations and documentation. While the research methodology uses a qualitative approach methodology. While the object is the BMT KSPPS MUI Sekapuk Branch. The results of this study show that 1). implementation of risk management using Surfe which is carried out according to the 5C standard, Billing rules that are applied to the maximum, NPF handling that uses rescheduling, returns and reconditioning, Use of reserve funds as an amticipation of losses from macat financing. 2). The ability to pay members has decreased, Members have moved domiciles, The macro economy has declined, The habit of members who often borrow in multiple places, Transferring or changing positions in internal financial institutions, Managers' ability to collect is not good.
Strategi Pengembangan Produk BSI KUR (Kredit Usaha Rakyat) Mikro di BSI KCP Lamongan Pasar Babat Muhamad Malik Azhar; Ahmad Afan Zaini
Al-Muzdahir : Jurnal Ekonomi Syariah Vol. 4 No. 1 (2022): Januari :  Al-Muzdahir : Jurnal Ekonomi Syariah
Publisher : Institut Pesantren Sunan Drajat Lamongan, Indonesia

Show Abstract | Download Original | Original Source | Check in Google Scholar | Full PDF (604.655 KB) | DOI: 10.55352/ekis.v4i1.314

Abstract

BSI KCP Lamongan Pasar Babat is an Islamic financial institution that manages funds through channeling funds to the public in the form of financing. A company does not escape taking action to develop new products or existing products so that there is no decrease in business growth with a decreasing level of consumer desire. Therefore, to prevent this from happening, BSI KCP Lamongan Pasar Babat took product development strategy actions. The type of research used in this writing itself uses a qualitative approach. That is a type of research that describes a state of an object or event that presents data in the form of brief descriptions, charts, and the like. The method used in collecting data in this study uses interviews, observation, and documentation. MICRO KUR product development strategy AT BSI KCP Lamongan Pasar Babat Product development strategy is an effort made by an institution to improve existing products, or by adding more varied and marketable products. In the product development strategy, BSI KCP Lamongan Pasar Babat uses a marketing strategy through promotion, monitoring developments carried out by competitors, the Door to Door strategy. promotions carried out by BSI KCP Lamongan Pasar Babat, namely through making brochures provided at the office and advertisements on the website, monitoring the development strategy carried out by competitors. Door to Door is a marketing effort of a product or service that goes directly to prospective buyers/prospective customers, in order to gain effectiveness in explaining the products/services we have.
Penerapan Perhitungan Pembiayaan Murabahah di Lembaga Keuangan Mikro Syariah BMT Sunan Drajat Pusat dengan Pendekatan Economic Value Of Time Lidya Frasisca Ellyna; Abdullah Zawawi
Al-Muzdahir : Jurnal Ekonomi Syariah Vol. 4 No. 1 (2022): Januari :  Al-Muzdahir : Jurnal Ekonomi Syariah
Publisher : Institut Pesantren Sunan Drajat Lamongan, Indonesia

Show Abstract | Download Original | Original Source | Check in Google Scholar | Full PDF (803.282 KB) | DOI: 10.55352/ekis.v4i1.316

Abstract

Islam does not prohibit deferred financing, but it must be noted that in deferred financing one must be careful because Islam forbids the practice of usury and evil. The application of murobahah financing calculations is a calculation technique for calculating and determining the amount of customer installments to BMT Sunan Drajat. This study aims to answer, describe and analyze the formulation of the problem; 1) How is the application of murabahah financing calculations at BMT Sunan Drajat Pusat!. 2) How is the application of murabahah financing calculations with the economic value of time approach at BMT Sunan Drajat Pusat. This type of research uses qualitative research methods with a qualitative phenomenological approach. The data sources used are primary and secondary data. The research instruments used were observation, interviews and documentation. While the data analysis technique used is phenomenology including logical consistency, subjective interpretation and adequacy. The results of this study are 1) the application of murobahah financing calculations at BMT Sunan Drajat Pusat uses a flat system, this system is the same as a fixed margin system, meaning that the margin and principal installments are every month in the same amount from inception to maturity in accordance with the contract and mutual agreement of the BMT and the customer. 2) the application of the murobahah financing calculation using the economic value of time approach at BMT Sunan Drajat Pusat is in principle the same as the calculation of the flat system adopted by BMT Sunan Drajat Pusat because the total installments since the contract and agreement are the same as the due date, especially there are no additional customers who are late pay installments when they are due either margin or penalty.

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