Penelitian ini bertujuan untuk mengetahui faktor-faktor yang mempengaruhi niat mengonsumsi makanan dan minuman halal pada remaja. Data yang digunakan adalah data primer hasil kuesioner yang disebar kepada para remaja dengan rentang usia 16-24 tahun yang berada di Jakarta, Bogor, Depok, Tangerang dan Bekasi. Responden dalam penelitian ini berjumlah 100 oarang dan di analisis dengan SmartPLS 3.0.  Pendekatan TPB digunakan dalam menentukan variabel-variabel penelitian. Hasil penelitian ini menunjukkan bahwa variabel subjectives norms memengaruhi niat untuk mengonsumsi makanan dan minuman halal pada remaja.This study aims to determine the factors that influence the intention to consume halal food and drinks in adolescents. The primary data is used from questionnaires distributed to adolescents aged 16-24 years in Jakarta, Bogor, Depok, Tangerang and Bekasi. Respondents in this study were 100 people and analyzed with SmartPLS 3.0. The TPB approach is used in determining research variables. The results of this study indicate that the variable subjective norms affect the intention to consume halal food and drinks in adolescents.

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Program inklusi keuangan merupakan program Pemerintah dalam menjembatani masyarakat yang tidak mempunyai akses permodalan terhadap bank (unbankable). Pada umumnya masyarakat kelompok ini merupakan masyarakat miskin yang bertempat tinggal di pelosok atau pedesaan. Bank Tabungan Pensiunan Nasional (BTPN) Syariah sebagai salah satu bank umum syariah nasional mendukung program tersebut melalui inovasi dengan adanya produk Wow! IB. Produk ini melayani kebutuhan masyarakat yang selama ini belum terjangkau oleh layanan perbankan. Pada BTPN Syariah Kantor Pusat, Divisi Incubation Management dan Divisi Sale Distribution Head (SDH) II menjadi pelaksana pengembangan dan penerapan produk ini. Terdapat sejumlah permasalahan teknis di lapangan ketika pelaksanaan program inklusi keuangan ini. Salah satunya adalah human error, yaitu kurang telitinya petugas, adanya kendala bahasa serta masih terdapat nasabah yang buta huruf.

The purpose of this research is to analyze the condition of BMT, is an Islamic microfinance institution in Indonesia, based on a literature review using SWOT analysis. Based on the SWOT analysis BMT’s strengths, weaknesses, opportunities, and threats will be mapped through four types of strategies, namely aggressive, competitive, conservative and defensive strategies. The results indicate that based on the analysis of aggressive strategies, BMT is a community-based agency that has an opportunity to capture the market; BMT can use the ZISWAF fund in cooperation with charity institutions. Based on the analysis of competitive strategies, BMT competition with conventional micro institutions can be solved by Islamic economic socialization about the prohibition of usury; competition with Islamic banks that have a microfinance program can be solved with the distribution of business; BMT sustainability issues can be overcome by strengthening the regulation, supervision, infrastructure, human resources, and capital. From the conservative strategies, BMT has limitations in terms of capital, human resources, and marketing strategies. This problem can be overcome through their linkage with Islamic Banks and companies, using CSR and low-cost funds from Islamic Banks. Other opportunities are the transfer of knowledge about finance, managerial expertise, as well as the right marketing strategy. In addition, a lack of oversight in BMT can be solved by maximizing the role of associations and agents of BMT. Meanwhile, from the defensive strategies, fundamental reform of government is required to develop BMT’s rules, oversight, feasibility measurement and clear level of health.