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AT-TIJARAH: Journal Islamic Banking and Finance Research
Published by Institut Agama Islam Negeri Lhokseumawe
ISSN : 27215482     EISSN : 27455696     DOI : https://doi.org/10.52490/attijarah.
Core Subject : Economy,
Economics, Econometrics & Finance
This journal publishes research results conceptually and technically related to the scope of Islamic Economics with a concentration in the field of Islamic Banking and Finance.
Arjuna Subject : Ilmu Ekonomi, Ekonometrika dan Keuangan (semua kategori) - Keuangan
Articles 7 Documents
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Search results for , issue "Vol. 4 No. 2 (2022): AT-TIJARAH: Jurnal Penelitian Keuangan dan Perbankan Syariah" : 7 Documents clear
IMPLEMENTASI PEMASARAN GELOMBANG BARU STRATEGI 4.0 DI BANK SYARIAH INDONESIA Lidya Anggraeni
AT-TIJARAH: Jurnal Penelitian Keuangan dan Perbankan Syariah Vol. 4 No. 2 (2022): AT-TIJARAH: Jurnal Penelitian Keuangan dan Perbankan Syariah
Publisher : Fakultas Ekonomi dan Bisnis Islam - IAIN Lhokseumawe

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.52490/attijarah.v4i2.423

Abstract

This Study aims to examine the implementation of marketing strategies at Bank Syariah Indonesia tbk KCP Sipin Soemantri using the New Wave Marketing concept, as wellas describe what can encourage and become obstacles in the use of the New Wave Marketing concept. The method used in this research is descriptive qualitative through observation and interview procedures, then the data is summarized and verified its validity with triangulation technique. Conclusion in this study: New Wave Marketing strategies have been implemented, including brand is care, and process is collaboration. Altough there are several aspects that have not been implemented in brand is character where the percentage of customer data that advocates for BSI Mobile services has not been carried out. Internal support by the head office through the provision of information on BSI Mobile services and quick responses to problem solving, external supportis feedback from users and non users of BSI Mobile service. Furthemore, internal obstacles are the new system, as well as external , namely there are still those who refuse to use the BSI Mobile services in various ways. The reason, especially the elderly who are not ready to change technology.
DIGITISATION’S IMPACT ON ISLAMIC FINANCIAL INSTITUTIONS: WEBSITE-BASED FINANCING SYSTEM SERVICES Fourika Dela Putriana; Budi Sukardi; Fuad Dhiya Ul Husaen
AT-TIJARAH: Jurnal Penelitian Keuangan dan Perbankan Syariah Vol. 4 No. 2 (2022): AT-TIJARAH: Jurnal Penelitian Keuangan dan Perbankan Syariah
Publisher : Fakultas Ekonomi dan Bisnis Islam - IAIN Lhokseumawe

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.52490/attijarah.v4i2.478

Abstract

This study will examine the effect of efficiency, reliability, privacy, fulfilment, responsiveness, and compliance on members' interest in applying for website-based financing products at BMT Amanah Ummah (AUM) Sukoharjo Central Java, Indonesia. This research is quantitative; the data come from a questionnaire distributed to all sharia financing customers at BMT AUM, and the data is analysed using multiple regression statistical techniques. The study's results prove that efficiency positively and significantly affects members' interest in submitting website-based online financing products at the BMT AUM. Reliability, privacy, and fulfilment do not affect members' interest in applying for a website-based online financing product at BMT AUM. Responsiveness has a positive but insignificant effect on members' interest in applying for website-based online financing products at BMT AUM. Compliance positively and significantly affects members' interest in applying for website-based online financing products at BMT AUM.
PRINCIPLES OF IMPLEMENTATION OF FINANCIAL LITERACY AT BMT ALMABRUK BATUSANGKAR BASED ON SE OJK NUMBER 30/SEOJK.07/2017 Elmiliyani Wahyuni S; Ginta Dwi Lestari
AT-TIJARAH: Jurnal Penelitian Keuangan dan Perbankan Syariah Vol. 4 No. 2 (2022): AT-TIJARAH: Jurnal Penelitian Keuangan dan Perbankan Syariah
Publisher : Fakultas Ekonomi dan Bisnis Islam - IAIN Lhokseumawe

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.52490/attijarah.v4i2.669

Abstract

The purpose of this study is to find out the principles of implementing financial literacy in BMT based on SEOJK Number 30/SEOJK.07/2017. This type of research is a field research with a qualitative approach. The results showed that the principle of implementing financial literacy carried out by BMT Almabruk Batusangkar was based on SEOJK regulations Number 30/SEOJK.07/2017, namely planned and measurable, optimizing existing resources, and sustainable, not yet collaborating with stakeholders. The strategy for implementing the financial literacy function or unit at BMT Almabruk is through direct socialization to customers and prospective customers, as well as, through indirect socialization, namely through print and electronic media. Meanwhile, the obstacles and challenges faced are human resources who are not yet competent in their fields, as well as the lack of product innovation and limited technological facilities.
ISLAMIC LAW PERSPECTIVE ON THE ROLE OF PAWNLOYERS IN THE DISTRIBUTION OF FUNDS TO MICRO-SMALL BUSINESS ENTERPRISES Syaeful Bakhri; Aan Jaelani; Miyah Listiani
AT-TIJARAH: Jurnal Penelitian Keuangan dan Perbankan Syariah Vol. 4 No. 2 (2022): AT-TIJARAH: Jurnal Penelitian Keuangan dan Perbankan Syariah
Publisher : Fakultas Ekonomi dan Bisnis Islam - IAIN Lhokseumawe

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.52490/attijarah.v4i2.865

Abstract

Difficult access to sources of capital is still a major problem in business development for Micro and Small Enterprises (UMK). This has attracted the attention of various parties, including the government. Different support and efforts of the government and the private sector in developing MSEs have been carried out, ranging from coaching to financing. One of the government's efforts is to establish a sharia pawnloyers as a non-bank financial institution that functions as a distributor of sharia-based funds. The purpose of this study was to determine the perspective of Islamic law on the procedures for distributing funds to MSEs in sharia pawnloyers. The research method used is descriptive qualitative, which is considered suitable to provide perspectives from various data sources. The results of the analysis explain that the procedure for distributing funds at Islamic pawnloyers is easy to do, and the process is fast so that it can ease the burden on customers. However, some obstacles are still encountered in the distribution process. According to the perspective of Islamic law, sharia pawnloyers are following sharia principles in channeling funds to MSEs.
PERANAN ZAKAT, INFAK, SEDEKAH DALAM PENGEMBANGAN USAHA KECIL PADA OPERASIONAL BAITUL MAAL WAT TAMWIL Fawza Rahmat
AT-TIJARAH: Jurnal Penelitian Keuangan dan Perbankan Syariah Vol. 4 No. 2 (2022): AT-TIJARAH: Jurnal Penelitian Keuangan dan Perbankan Syariah
Publisher : Fakultas Ekonomi dan Bisnis Islam - IAIN Lhokseumawe

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.52490/attijarah.v4i2.921

Abstract

The Role of Zakat, Infak, and Sadaqah in the Development of Small Businesses in Baitul Maal Wat Tamwil (BMT) Operations. The rise of small businesses that support the community's economy is central to poverty alleviation. What plays a role when small businesses are the main issue of community-based economic solutions related to the Islamic religion through baitul mal wat tamwil. The method used to build this research is a literature review by collecting several reliable sources. As well as combining with various phenomena that occur in society. The phenomenon in society is that Baitul Maal Wat Tamwil is an economic institution that promotes saving activities and provides financing to small entrepreneurs. In addition, BMT is also equipped with Baitul Maal activities which are more social in nature. The joining of these two activities is very much needed in empowering the poor. In its operations, BMT implements the sharia system. Meanwhile, in theory Baitul Maal Wat Tamwil, which is abbreviated as BMT, is a supporting institution to improve the quality of small business entrepreneurs based on the sharia system. BMT can and should be used as a business partner for various small entrepreneurs in developing their business, because the partnership pattern is a practical form of a congregational way of carrying out all muamalah matters.
KONSEP MANUSIA DALAM EKONOMI ISLAM (HOMO ECONOMICUS VERSUS HOMO ISLAMICUS) Suhandi; M. Yasir Nasution; Sugianto
AT-TIJARAH: Jurnal Penelitian Keuangan dan Perbankan Syariah Vol. 4 No. 2 (2022): AT-TIJARAH: Jurnal Penelitian Keuangan dan Perbankan Syariah
Publisher : Fakultas Ekonomi dan Bisnis Islam - IAIN Lhokseumawe

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.52490/attijarah.v4i2.1196

Abstract

In everyday life people tend to equate needs with wants. Sometimes people mention something as a need that must be met immediately, even though something is a wish that could have been postponed. A lifestyle that is oriented towards economic needs alone is not justified in Islam because this attitude is the same as placing economic activity as the goal of life. On the other hand, reducing the desire to maximize life activities in the economic sector is also not justified because it lowers the degree and prestige of Muslims among other people. For this reason, this research will try to unravel how the human concept is in Islamic economics. In solving the existing problems, researchers used descriptive qualitative research methods with secondary data sources. The results of this study state that fulfilling human needs in Islam does not only meet worldly needs such as eating, drinking, clothing, housing, and transportation vehicles, but humans must also meet spiritual needs or spiritual needs so that humans become human beings who have good morals, are useful, and beneficial to fellow human beings both in this world and in the hereafter.
BISNIS ALA RASULULLAH DALAM PERSPEKTIF PEMASARAN Yusron Ali Sya'bana; M. Yasir Nasution; Sugianto
AT-TIJARAH: Jurnal Penelitian Keuangan dan Perbankan Syariah Vol. 4 No. 2 (2022): AT-TIJARAH: Jurnal Penelitian Keuangan dan Perbankan Syariah
Publisher : Fakultas Ekonomi dan Bisnis Islam - IAIN Lhokseumawe

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.52490/attijarah.v4i2.1198

Abstract

Marketing activities are actually very noble activities because these activities always bring up ideas and creativity to approach, innovate, change and update in many ways. However, when these activities experience disorientation and tend to pursue instant profits, then sometimes these noble and ethical marketing activities turn into stupidity, fraud and rottenness. This phenomenon is what we often see in the world of business and enterprise. We should be able to position the marketing function with ethical and moral values (akhlaqul karimah) so that there are no more deviations that undermine the values and blessings of marketing itself. The concept of prophethood (Nubuwwah) is very relevant as a reference in overcoming current business problems, namely by using a sharia marketing strategy that is carried out by paying attention to consumer needs, good product quality, always available when needed (available) and according to consumer expectations (expectations), promotions are carried out directly and continuously (sustainable), and innovate according to consumer needs.

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