https://journal.ypidathu.or.id/index.php/jmf <p style="text-align: justify;">The<strong> Journal Markcount Finance</strong> is one of the founding journals of Yayasan Pedidikan Islam Daarut Thufulah. Since 2023 the journal has provided a platform for high-quality, imaginative economic research, earning a worldwide reputation for excellence as a general interest journal, publishing papers in all fields of economics for a broad international readership. The Economic Journal welcomes submissions whether they be theoretical, applied, or orientated towards academics or policymakers. The Editorial Board are drawn from leading international institutions and cover a wide range of expertise. As well as providing the reader with a broad spectrum of high-quality, stimulating papers the Editorial Board is committed to providing rapid feedback to submitting authors.</p> Yayasan Pendidikan Islam Daarut Thufulah en-US Journal Markcount Finance 2987-0925 https://journal.ypidathu.or.id/index.php/jmf/article/view/2064 <p>Personalized marketing has emerged as a critical strategy for enhancing customer engagement and customer lifetime value (CLV) in today’s competitive business environment. By leveraging customer data and advanced analytics, businesses can deliver tailored experiences that resonate with individual preferences and behaviors. This study examines the influence of personalized marketing on customer engagement and CLV, focusing on its impact on customer satisfaction, loyalty, and long-term profitability. The research aims to identify effective strategies for implementing personalized marketing and propose recommendations for maximizing its impact on customer relationships. Using a mixed-methods approach, this study combines quantitative analysis of customer data with qualitative interviews with marketing professionals and customers. Data were analyzed to assess the relationship between personalized marketing, customer engagement, and CLV. The findings reveal that personalized marketing significantly enhances customer engagement, leading to higher satisfaction and loyalty. However, challenges such as data privacy concerns and implementation costs can hinder its effectiveness. The study concludes that businesses must balance personalization with ethical data practices to maximize the impact of personalized marketing on CLV. This research contributes to the discourse on marketing strategy by providing practical recommendations for businesses to enhance customer relationships and drive long-term profitability through personalized marketing.</p> <p>&nbsp;</p> Atkhmad Fauzi Sayuti Kiran Iqbal Zainab Ali Copyright (c) 2025 Atkhmad Fauzi Sayuti, Kiran Iqbal, Zainab Ali http://creativecommons.org/licenses/by-sa/4.0/ 2025-04-13 2025-04-13 3 2 123 135 10.70177/jmf.v3i1.2064 https://journal.ypidathu.or.id/index.php/jmf/article/view/2261 <p>Digital commerce through e-commerce has changed the business landscape worldwide, including in Muslim societies. Although e-commerce is easy and efficient, there are still issues of fiqh muamalah, especially regarding ownership and sale transactions. Islamic business transactions are evaluated from the perspective of ethics and sharia compliance as well as technical aspects. Uncertainty, or gharar, can arise because many online transactions do not follow the principles of valid contracts and do not clearly state the ownership of goods. Therefore, it is important to learn how the principles of Islamic business ethics can be applied to e-commerce, especially in terms of ownership and contract relationships. This study aims to see how e-commerce practices are in line with the principles of Islamic business ethics, especially from the perspective of fiqh muamalah on contracts and ownership. In addition, this study also wants to provide suggestions to ensure that digital transactions are in accordance with sharia values. This study uses a qualitative approach with a library research method. Data were collected by analyzing classical and contemporary literature on fiqh muamalah, e-commerce, and case studies of online transactions. A descriptive-analytical approach was used to analyze the principles of contracts and ownership in Islam. The results show that many e-commerce transactions do not meet the requirements for a valid contract such as clarity of object, price, and ijab kabul. In addition, ownership of goods is often not legally transferred when the transaction is made, especially in a dropship system where the seller does not physically own the goods.</p> <p>&nbsp;</p> <p>&nbsp;</p> Dallah Dallah Copyright (c) 2025 Dallah Dallah http://creativecommons.org/licenses/by-sa/4.0/ 2025-05-30 2025-05-30 3 2 136 148 10.70177/jmf.v3i2.2261