Strategi Funding dan Kepatuhan Syariah pada Pembiayaan Mudharabah: Studi pada BTN Syariah Cirebon

Authors

  • Muhammad Luthfi Hakim Saputro Jurusan Perbankan Syariah FEBI UIN Siber Syekh Nurjati Cirebon
  • Didi Sukardi UIN Siber Syekh Nurjati Cirebon
  • Toto Suharto UIN Siber Syekh Nurjati Cirebon

DOI:

https://doi.org/10.70095/cieber.v2i1.18

Keywords:

Marketing Funding Strategy, Mudharabah Financing, DSN MUI Fatwa

Abstract

The purpose of this study is to determine the marketing funding strategy for mudharabah financing and the. views of the DSN MUI fatwa on its implementation at BTN Syariah, Cirebon City. The research method used by the author is a qualitative method with a case study approach and data analysis techniques. In this study, the method of data reduction, data presentation, and conclusion was used. The results of this study are the Marketing Funding Strategy in Mudharabah Financing from the Perspective of the DSN MUI Fatwa in BTN Syariah. There are several ways, namely 1) Implementation of the marketing funding strategy by face. to face, door to door, utilizing social media such as Instagram, WhatsApp, and websites. In addition, it also uses selling marketing techniques and sales science techniques. 2) The. obstacles and efforts made by BTN Syariah Kota Cirebon include. obstacles such as the incompatibility of the products offered, public understanding, for the efforts made, always discussing with the head office or branches, and providing education to prospective. customers or the public. 3) The provisions of the DSN MUI Fatwa are already binding and have met the regulations given, so that the validity of its legality can be operated by BTN Syariah Kota Cirebon.

References

Arikunto, Suharsimi. (2010). Prosedur Penelitian Suatu Pendekatan Praktik. Jakarta: Rineka Cipta.

Anas, A. T., Sabri, M., & Hidayatu.llah. (2024). Strategi Marketing Funding Dalam Meningkatkan Nasabah Di KSPPS Nuri Cabang Pakong. Currency: Journal Ekonomi Dan Perbankan Syariah, 1(2), 171–178. https://doi.org/10.32806/c4xnds43

Baidowi, A. (2015). Ekonomi Islam dan Masalah Ke.hidu.pan Kontemporer. Jakarta: Rajawali Pers.

Bogdan, R. C., & Biklen, S. K. (2007). Qualitative Research for Education: An Introduction to Theory and Methods. Pearson.

Firmansyah, Muhammad, and Masrun Masrun. “Esensi Perbedaan Metode Kualitatif Dan Kuantitatif.” Elastisitas Jurnal Ekonomi Pembangunan 3.2 (2021): 156-159.

Furiana, Mila, Salma Musfiroh, Muhammad Rifai, dan Nada Diana (2019). "Analisis Strategi Marketing Fundasi Bank Syariah KC Purwokerto". Jurnal Studi Al-Quran dan Hadits.

Ghozali, M., Wartoyo, W., Noor, I., & Disuma, A. (2026). Digital Islamic Economy Based on Maslahah Mursalah: Implications for Law, Regulation, and the Sustainability of the Halal Industry. Amwaluna: Jurnal Ekonomi dan Keuangan Syariah, 10(1), 119-133.

Miles, M. B., & Huberman, A. M. (1992). Qualitative Data Analysis: A Sourcebook of New Methods. Sage Publications

Mutadi, M., Jaelani, A., & Wartoyo, W. (2025). Pemikiran Ekonomi Islam Tentang Konsep Produksi. Journal of Accounting and Finance Management, 6(5), 2306-2311.

Rismaya, Erin., Aan Jaelani., Wartoyo, W., (2026). Integrasi Keuangan Syariah dan dan Islamic HRM: Analisis Bibliomatric Sistem Pengupahan Berbasis Bagi Hasil (2010-2015). Khazanah Multidisiplin. Vol. 7 No 1, 1-36

Soekanto, Soejono. Sri Mahmudi (2014) Penelitian Hukum Normatif Suatu Tinjauan Singkat, Jakarta: PT Raja Grafinto

Sugiyono. (2019). Metode Penelitian Kuantitatif, Kualitatif, dan R&D. Bandung: Alfabeta.

Sukarnoto, T., & Cahyono, H. (2025). The Role of Social Proof in The Decision-Making of The Rural Community Of Cirebon to Become Customers of Sharia Microfinance Institutions. Ecopreneur: Jurnal Ekonomi dan Bisnis Islam, 6(2).

Tamam, A. B. (2021). Kedudukan Fatwa Majelis Ulama Indone.sia (MU.I) dan Fatwa De.wan Syariah Nasional (DSN) dalam Sistem Hukum Indonesia. Al-Musthofa: Journal of Sharia Economics, 04(01), 1–25.

Usman, U., Wartoyo, W., Haida, N., & Wahyuningsih, N. (2024). Implementasi Sustainable Development Goals (SDGS) Di Indonesia Perspektif Ekonomi Islam. Al-Masharif: Jurnal Ilmu Ekonomi Dan Keislaman, 12(1), 108-126.

Whardana, K. K., & Haerisma, A. S. Wartoyo, W. (2025). PENGARUH DANA PIHAK KETIGA (DPK) TERHADAP PEMBIAYAAN PADA BANK SYARIAH INDONESIA. AB-JOIEC: Al-Bahjah Journal of Islamic Economics, 3(01), 20-32.

Wartoyo, W., Habibah, S. A., Anwar, A. M. A. W. K., & Haida, N. N. (2025). Komparasi Kinerja Bank Umum Syariah di Indonesia: Analisis Islamicity Performance Index (IPI). Salam (Islamic Economics Journal), 6(1), 166-183.

Wartoyo, W., & Haerisma, A. S. (2022). Cryptocurrency in the perspective of maqasid al-shariah. Afkaruna: Indonesian Interdisciplinary Journal of Islamic Studies, 18(1), 110-139.

Wartoyo, W. (2026). Financial efficiency of Islamic rural banks in Indonesia: A two-stage DEA approach. Humanities and Social Sciences Letters, 14(1), 357-373.

Wati, S. J. N., Wartoyo, W., & Ghoni, A. (2025). Efektivitas Strategi Segmenting, Targeting dan Positioning Produk Tabungan iB Hijrah Haji Pada Bank Muamalat Indonesia. el-Jizya: Jurnal Ekonomi Islam, 13(1), 35-56.

Wulandari, N., & Aziz, A. Wartoyo, W. (2025). Integrating Maqaṣid al-Shariah into the Sustainable Development Goals: A Comparative Analysis from an Islamic Economic Perspective. JEKSYAH: Islamic Economics Journal, 5(02), 116-128.

Yetti, F. D., & Wartoyo, W. (2025). Neo-Integrated Islamic Market Justice (Neo-IIMJ): Paradigma Baru Pasar Berkeadilan dalam Ekonomi Islam. Journal of Accounting and Finance Management, 6(5), 2312-2324.

Downloads

Published

2026-04-13

How to Cite

Saputro, M. L. H., Sukardi, D., & Suharto, T. (2026). Strategi Funding dan Kepatuhan Syariah pada Pembiayaan Mudharabah: Studi pada BTN Syariah Cirebon. CIEBER: Contemporary Islamic Economic and Business Review, 2(1). https://doi.org/10.70095/cieber.v2i1.18

Similar Articles

<< < 1 2 

You may also start an advanced similarity search for this article.