https://jurnal.alfithrah.ac.id/index.php/iqtisadie/issue/feed IQTISADIE: Journal of Islamic Banking and Shariah Economy 2025-04-17T05:43:21+00:00 Moh. Arifin journal.iqtisadie@gmail.com Open Journal Systems <p><strong>Iqtisadie: Journal of Islamic Bannking and Shariah Economy </strong>adalah jurnal yang terbit dua kali setahun setiap bulan Maret dan September. Jurnal ini berisi kajian seputar lembaga keuangan syariah bank dan non bank dan economi syariah. Jurnal ini bisa diakses secara terbuka yang berarti bahwa semua konten yang tersedia bebas diakses tanpa biaya, baik kepada pengguna atau pada lembaganya. Pengguna diizinkan untuk membaca, mendownload, menyalin, mendistribusikan, mencetak, mencari, atau mensitasi ke teks lengkap dari artikel tidak harus meminta izin terlebih dahulu dari penerbit atau penulis.</p> https://jurnal.alfithrah.ac.id/index.php/iqtisadie/article/view/946 Strategi Pemasaran Syariah Produk Tabungan Sajada Di BMT NU Cabang Blega Bangkalan: Studi Implementasi 2025-04-14T05:22:15+00:00 Ummi Kulsum kulsumummi413@gmail.com <p><em>This study aims to find out what kind of sharia marketing strategy is implemented in SAJADAH savings products at BMT NU Blega Bangkalan Branch. The results of this research are that there are four strategies that have been implemented, namely Gathering directly to customers' homes, Distribution of Brochures, Cooperation with institutions or organizations and marketing through social media. From this, it can be seen that in attracting the interest of customers of BMT NU Blega Bangkalan Branch, it is not only one strategy to attract customers. And of course this is quite effective and efficient. The method used in this research is qualitative descriptive. Qualitative descriptive is data in the form of words, pictures and not numbers. The primary data in this study is an interview with the BMT NU Blega Bangkalan Branch. Meanwhile, the secondary data in this study are brochures, photographs, books, journals and others that can strengthen this research.</em></p> 2025-04-21T00:00:00+00:00 Copyright (c) 2025 Ummi Kulsum https://jurnal.alfithrah.ac.id/index.php/iqtisadie/article/view/948 Analisis Penggunaan Media Sosial Sebagai Alat Pemasaran Oleh Usaha, Mikro, Kecil Dan Menengah (Umkm): Perspektif Pengusaha Dan Konsumen 2025-04-14T08:29:42+00:00 Tate Agape Bawana flagazy@gmail.com <p><em>This study aims to analyze the use of social media as a marketing tool by Micro, Small and Medium Enterprises (MSMEs) from the perspective of entrepreneurs and consumers. Social media has become an important platform for MSMEs to promote products, build brand awareness, and establish closer interactions with consumers. This research uses a literature review method that aims to explore and analyze various studies and articles related to the use of social media by MSMEs as a marketing tool. The results show that social media contributes significantly to increasing business visibility, sales, and customer loyalty. However, MSME players face challenges such as limited knowledge of digital marketing, time management, and campaign effectiveness measurement. This study suggests the need for digital training and consistent content management to maximize the potential of social media in marketing.</em></p> 2025-04-21T00:00:00+00:00 Copyright (c) 2025 Tate Agape Bawana https://jurnal.alfithrah.ac.id/index.php/iqtisadie/article/view/947 Strategi pemasaran melalui media sStrategi Pemasaran Melalui Media Sosial (Tik Tok) Pada UMKM Dalam Perspektif Ekonomi Islamosial (tik tok) pada UMKM dalam perspektif ekonomi islam 2025-04-14T05:26:37+00:00 Rima Oktavia fara.oktafilia@gmail.com <p><em>Marketing is an effort to provide and deliver the right goods and services to consumers by considering aspects of location, time, price, promotion, and effective communication. This study uses a qualitative approach. The types of data are primary and secondary taken from interviews and observations analyzed using qualitative descriptive. Case studies show that several local brands such as Tulus Signature and Ghaffa The Label have succeeded in increasing turnover and engagement through creative marketing strategies on Tik Tok. However, obstacles such as a lack of understanding of optimizing Tik Tok features are still a challenge for MSMEs. Therefore, it is important to develop an effective digital marketing strategy and identify the obstacles faced by MSMEs in utilizing social media platforms to increase sales</em></p> 2025-04-21T00:00:00+00:00 Copyright (c) 2025 Rima Oktavia https://jurnal.alfithrah.ac.id/index.php/iqtisadie/article/view/950 Etika Bisnis Islam Dalam Pemanfaatan Media Sosial Sebagai Strategi Pemasaran UMKM Usaha Toko Baju Thrifting 2025-04-15T05:17:42+00:00 Ulya Nindyaningtyas Ulyanindyani11@gmail.com <p>This research discusses the application of Islamic business ethics in digital marketing strategies among MSMEs, especially second-hand clothing stores, by utilizing social media. Advances in digital technology allow MSMEs to promote products effectively, but these marketing strategies must be aligned with Islamic principles, such as honesty, transparency, and fairness.</p> <p>The study identified challenges such as a lack of understanding of digital marketing and limited resources, which hindered MSME engagement with consumers. Emphasis is placed on the importance of maintaining honest marketing messages to build customer trust and loyalty. Creative content and direct communication through social media, such as WhatsApp, are considered effective for increasing customer engagement and strengthening brand image.</p> 2025-04-21T00:00:00+00:00 Copyright (c) 2025 Ulya Nindyaningtyas https://jurnal.alfithrah.ac.id/index.php/iqtisadie/article/view/951 Sistem Pengendalian Resiko Gagal Bayar Nasabah Pembiayaan Di BMT Amanah Ummah Surabaya 2025-04-15T14:05:29+00:00 Abdul Majid Toyyibi majidtoyyibi@gmail.com <p><em>A Sharia financial institution such as BMT Amanah Ummah expects a health in financing its customers, but the running of financing activities certainly emphasizes that the implementation of technical rules that will occur in the event of default problems so that risk control becomes the main thing for BMT analysts. The purpose of this study is to determine the BMT risk control system in the occurrence of the risk of default of financing customers. While this study is a type of field research which then uses qualitative as its research approach. In order to obtain credible results, the researcher carried out data collection techniques, data analysis to the validity of the data. The results of the study are that an analyst of BMT Amanah Ummah prioritizes the principle of prudence as an initial control because it is the main basic part that must be considered in addition to also having to review it based on the character of its customers.</em></p> 2025-04-21T00:00:00+00:00 Copyright (c) 2025 Abdul Majid Toyyibi https://jurnal.alfithrah.ac.id/index.php/iqtisadie/article/view/953 Karyawan dan Produk (Sebuah Tinjauan MSDM Tour and Travel Haji dan Umroh di Sedati Sidoarjo Perspektif Ekonomi Syariah) 2025-04-17T05:43:21+00:00 Fatihatul Firda Muhimmah dutasains@gmail.com <p><em>Discussing the relationship between employees and products in the context of human resource management (HRM) in the Hajj and Umrah tour and travel industry in Sedati, Sidoarjo, with a sharia economic perspective. This study highlights the importance of the role of employees in improving the quality of services and products that are in accordance with sharia principles. Through a sharia economic approach, this study also explores how employees can contribute to creating added value for the company and customer satisfaction. By analyzing employee performance, such as training, motivation, and work environment, it is expected to find effective strategies to increase employee productivity and loyalty. In addition, this study also assesses the products offered according to public perception and market potential in the area, thus providing recommendations for business managers in optimizing human resources and products that are in accordance with sharia principles. This study uses a qualitative method with in-depth interviews and observations to collect data from employees and managers at several travel agents in Sedati. The results of the analysis show that trained and motivated employees have a positive response to the quality of products and services offered. In addition, the application of sharia economic principles in business operations has been shown to increase public trust through the products offered. Recommendations resulting from this study include the development of ongoing training programs, increased incentives for employees, and more effective marketing strategies to attract potential pilgrims.</em></p> 2025-04-21T00:00:00+00:00 Copyright (c) 2025 Fatihatul Firda Muhimmah