Al-Muraqabah: Journal of Management and Sharia Business

Meminimalkan Risiko dan Maksimalkan Keuntungan: Strategi Manajemen Risiko dalam Pengelolaan Wakaf Produktif

Muhammad Agil, Noviana Nur Sholikhah, Arif Zunaidi, Milla Ahmada — Fri, 29 Dec 2023 00:00:00 +0000

This research discusses risk management strategies for managing productive waqf with the aim of minimizing risks and maximizing profits. This research uses a literature analysis method by prioritizing descriptive and qualitative methods. The research results show that risk identification, evaluation, and control are key stages in productive waqf risk management. Risk control strategies such as investment diversification, the use of derivative financial instruments, and creating contingency plans have proven effective in managing risk. Continuous evaluation and monitoring are also important to ensure risk control strategies remain relevant and effective. In conclusion, risk management is a key element in maintaining the sustainability of productive waqf programs. By implementing appropriate risk management strategies, waqf managers can minimize potential losses and ensure that waqf assets remain productive and provide sustainable benefits to society.

Analisis Pengaruh Promosi dan Lokasi Terhadap Keputusan Menjadi Anggota Pada Gapoktan Mulya Jaya Unit LKMA Amanah Mandiri

Toni Adhitya — Fri, 29 Dec 2023 00:00:00 +0000

The purpose of this research is to find out how much influence promotion and location variables have on the decision to become a member of the Gapoktan Mulya Jaya Unit of LKMA "Amanah Mandiri". The method used is quantitative, the instrument in this research is a questionnaire given to respondents. As for the population in this research, there were 107 members who were active in financing and saving at the Gapoktan Mulya Jaya LKMA Unit "Amanah Mandiri" (respondents). The sampling technique used in this research is Non-Probability Sampling using a saturated sampling technique. The data was processed using descriptive data analysis, validity testing, classical assumption testing, and hypothesis testing. The results of the research found that the regression equation formed was Y = 9.932+ 0.299 X1 + 0.616 X2. If the promotion increases by one unit, the decision to become a member will increase by 0.299 and if the location increases by one unit, the decision to become a member will increase by 0.616. According to the results of the T test, it is known that the significant value of t is (0.000 < 0.05) with the result tcount = 6.160> t¬table = 1.65922, so H0 is rejected and Ha1 is accepted, which means there is a real (significant) influence on the Promotion variable (X1) on the Decision to Become a Member variable (Y). And it is known that the significant value of t (0.000 < 0.05) with the result tcount = 14,500> ttable = 1.65922, then H0 is rejected and Ha2 is accepted, which means there is a significant influence of the Location variable (X2) on the Decision to Become a Member variable (Y). Based on the R Square significance test that has been carried out. As a result, promotion and location have a significant influence on the decision to become a member by 0.841 or 84.1%. So the results obtained were that 84.1% of the decision to become a member was influenced by Promotion and Location variables, while the remaining 15.9% was influenced by other variables not examined in this research, such as price and product.

Purchasing Decisions For Halal Product Which Are Influenced By Religiosity, Knowledge, And Awarness Study at Sharia Economics Students At The University of Jember

Dwi Wahyudi, Deasy Wulandari, Agus Mahardiyanto, Syafiq Yazid R. Khaleed — Fri, 29 Dec 2023 00:00:00 +0000

This research was conducted to examine the influence of Religiosity, Knowledge and Awareness on Halal Purchase Intention Studies case of Islamic Economics Students at the University of Jember. This research focuses on students of the University's Islamic Economics Study Program who have purchased halal products. This research is classified as an explanatory research, using multiple linear regression analysis techniques which aim to determine the relationship between the variables of religiosity, knowledge and awareness of the purchasing decisions of halal products for Islamic Economics students at the University of Jember. Sampling was carried out using a non-probability sampling technique, namely purposive sampling with a sample size of 100 respondents. The results show that Religiosity, Knowledge and Awareness have a significant effect on the Decision to Purchase Halal Products of Islamic Economics students at the University of Jember.

Strategi Pelayanan dalam Meningkatkan Loyalitas Nasabah Ditinjau dari Manajemen Syariah Studi di PT. Asuransi Jiwa Syariah Bumiputera Cabang Kediri

Loris Caspirosi, Yuliani Yuliani — Fri, 29 Dec 2023 00:00:00 +0000

The development of sharia life insurance which is increasingly having an increase makes PT. Bumiputera Sharia Life Insurance Kediri Branch must have excellent service. For that PT. Bumiputera Sharia Life Insurance, Kediri Branch has developed a service strategy to increase customer loyalty. By increasing customer loyalty, it will make it easier for PT. Bumiputera Sharia Life Insurance Kediri Branch to win business competition. The purpose of this study was to determine the service strategy in increasing customer loyalty at PT Asuransi Jiwa Syariah Bumiputera, Kediri Branch, in terms of sharia management. This research uses a qualitative approach with the type of research is a case study. Collecting data using the method of observation, interviews, and documentation. Checking the validity of the data used is the extension of participation, observation persistence, and triangulation. The result of this research is PT. The Bumiputera Sharia Life Insurance, Kediri Branch, provides services using a family approach strategy, where the approach taken is to maintain closeness with customers. When viewed from the five service indicators, namely reliability, responsiveness, assurance, empathy and physical evidence, then the four indicators have been implemented. However, in terms of physical evidence indicators, there are still deficiencies that are not appropriate, namely in the buildings and facilities provided. Implementation of sharia management at PT. Bumiputera Sharia Life Insurance, Kediri Branch, adheres to the principle of justice, namely the family approach. Then for the communicative principle lies in the application of speaking, listening, and looking culture. As for the principles of trust and accountability, namely the transparency of the insurer and all responsibilities for customer funds.

Apakah Perencanaan Keuangan Berpengaruh Terhadap Kesejahteraan Keluarga Muslim Indonesia?

Chikita Dinda Risna Putri, Samsubar Saleh, Leo Indra Wardhana — Sat, 30 Dec 2023 00:00:00 +0000

Welfare is the main goal in Maqashid Syariah where welfare is a person's release from poverty which must immediately get a solution, one of them is by doing financial planning The purpose of this study is to determine the effect of insurance, savings/investment, and pension funds on the consumption of household expenditures. This study was use Indonesian Family Life Survey data in the period of 2007 and 2014 using the panel data regression analysis method. The research results found that insurance has a significant influence on household expenditure consumption, savings/investments have a negative and significant influence on household expenditure consumption, pension funds have a negative and significant influence on household expenditure consumption.

Strategi Pemasaran Sukuk Ritel seri SR019 Sebagai Instrument Keuangan Syariah

Erni Zulfa Arini, Prasetia Adiputra — Sat, 30 Dec 2023 00:00:00 +0000

This study aims to determine the Government's strategy in an effort to issue and market the fifth series of Retail Government Securities (SBN) in 2023, namely the Retail Government Sukuk (SR) series SR019 in August. SR019 is the second Retail Sukuk offered by the government this year, after SR018 which was issued on March 3, 2023. Retail SBNs that have been issued by the government this year are, first, Retail Savings Bond (SBR) series SBR012, second, Retail State Sukuk (SR) series SR018, third, Savings Sukuk (ST) series ST010, and fourth, Retail State Bonds (ORI) series ORI023. This research uses qualitative methods with descriptive research types, data obtained from various sources arranged in narrative form. Based on the research results, it can be stated that the marketing strategy that has been implemented so far consists of two aspects of the marketing process and the marketing mix. The marketing process includes: (a) segmenting, namely retail and corporate; (b) the targeting carried out is in the form of a concerted targeting strategy; (c) positioning for conducting online savings Sukuk transactions. The marketing mix includes: (a) product in the form of SR019 Sukuk: (b) the price offered is very affordable for anyone, minimum IDR 1,000,000.00 and maximum IDR 10,000,000,000.00; (c) a place that is affordable, safe and comfortable; (d) promotion carried out through face to face seminars and online media; (e) people who have knowledge and experience; (f) physical evidence is equipped with complete facilities; (g) easy process.

Pengaruh Label Halal, Sosial Media Advertising, Perceived Brand Interactivity Terhadap Keputusan Pembelian Kosmetik Wardah Di Kota Salatiga Melalui Kepercayaan Sebagai Variabel Interveing

Yevy Januarti Rosuda, Ahmad Samingan — Sun, 31 Dec 2023 00:00:00 +0000

This study aims to determine how strong the influence of Halal Labels, Social Media Advertising, Perceived Brand Interactivity on the purchase decision of Wardah cosmetics in Salatiga through trust as an intervening variable using quantitative methods. In this study, primary data was sorted with the population of Wardah cosmetics users. Sampling technique with purposive sampling method using certain criteria for 100 respondents. The analysis used is descriptive statistical tests, instrument tests, classical assumption tests, statistical tests, hypothesis tests and path analysis. Based on this study obtained the results: Halal label has no positive and significant influence on trust. Social media advertising has a positive and significant effect on trust. Perceived brand interactivity has a positive and significant effect on trust. Trust negatively affects purchasing decisions. The halal label has a positive and significant influence on the purchasing decision. Social media advertising negatively affects purchasing decisions. Perceived brand interactivity negatively affects purchasing decisions. Halal label has a positive effect on purchasing decisions through trust. Social media advertising positively and significantly affect consumer satisfaction through trust. Perceived brand interactivity has a positive and significant effect on purchasing decisions through trust.