Jurnal Ilmiah Ekonomi Islam
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Analisis Strategi Pemasaran Priority Banking Officer (PBO) Dalam Meningkatkan Jumlah Nasabah Prioritas Pada PT Bank Syariah Indonesia (KCP. Perbaungan)
Get PDFThis research was written to find out the strategies used to increase priority customers at PT. Bank Syariah Indonesia Kcp Perbaungan. This study aims to look at the strategies, constraints, and their impact on increasing the number of priority customers. This type of research is a descriptive-qualitative method that focuses on in-depth observations, namely universal descriptions of form, function and meaning. The source of this research is the results of interviews with Priority Banking Officer staff of PT. Bank Syariah Indonesia, which contains strategies and constraints on the marketing strategy. The research results obtained by the author are the marketing strategy carried out by Priority Banking Officer staff, namely carrying out a marketing mix strategy in the form of approaching customers who have criteria as priority customers, namely one of them has a minimum balance of Rp. 500 million, conducting word-of-mouth promotions, as well as promoting on social media, providing more special services than non-priority customers, regardless of race or creed and providing facilities to customers. The obstacle faced is competition between banks. The way to minimize obstacles is to approach, stay in touch, and provide education to customers. The strategy carried out has proven to have an effect on increasing the number of priority customers, it can be seen that in August and October 2022 there was an increase in the number of customers which was in line with the development of PT. Bank Syariah Indonesia, namely the number of priority customers, increased by 17.9% as of August compared to the previous period with a range of more than 50 thousand priority customers throughout Indonesia
Analisis Preferensi Konsumen dalam Memilih Jasa Bank Syariah Indonesia (BSI) KCP Morotai
Get PDFThis study aims to examine product (X1), office location (X2), and service (X3) variables on consumer preferences (Y) in choosing BSI Morotai services. Using regression analysis method, the results shows that partially, only service variable (X3) has a positive and significant effect on consumer preferences. Whereas product (X1) and environment (X2) variables have no significant effect on consumer preferences. The results also shows that simultaneously all the independent variables (X1, X2, and X3) significantly affect the dependent variable (Y). The implication of this study is that Bank Syariah Indonesia (BSI) KCP Morotai needs to improve their communication in line with the customs/culture of local community, while still maintain convenience and prompt service
Pengaruh Pandemi Covid-19 Terhadap Pendapatan Sektor Mikro di Kota Bukittinggi Dengan Peran Pemerintah Sebagai Variabel Moderasi Perspektif Ekonomi Syariah
Get PDFPenelitian ini melatarbelakangi, dimana terdapat inkosistensi antara teori dan penelitian terdahulu dengan permasalahan yang terjadi dilapangan. Penelitian ini bertujuan untuk mengetahui pengaruh pandemic Covid-19 terdapat pendapatan sector mikro di Kota Bukittinggi dengan peran pemerintah sebagai variable moderasi. Penelitian ini menggunakan pendekatan kuantitatif dengan sumber data sekunder dan primer. Populasi penelitian Ini adalah pelaku sector mikro bidang kuliner yang terdapmak Covid-19. Sampel penelitian ini di ambil secara purvosivesampling sehingga diperoleh sampel 50 pelaku sector mikro yang terdampak Covid-19 di Kota Bukittinggi. Teknik analisis data yang digunakan adalah metode PLS ( Partial Least Square ) melalui Warp PLS Sofware 7.0. hasil penelitian ini menunjukan bahwa variable Covid-19 memiliki hubungan negative signifikan terhadap pendapatan sector mikro di Kota Bukittinggi, nilai R-Squared coefficients sebesar 0.181 (18%), (P-Value 0.010). peran pemerintah sebagai variable moderasi, tidak mampu memperlemah pengaruh Covid-19 terdapat pendapatan sector mikro di Kota Bukittinggi, dengan nilai R-Squared coefficients 0.191 (19%). (P-Value 0.175). kontribusi peran pemerintah dalam penelitian ini yaitu memberikan bantuan UMKM kepada para pelaku sector mikro di Kota Bukittinggi sudah terlaksana, tetapi belum mampu memperlemah variable Covid-19 terhadap pendapatan sector mikro. Untuk itu diharapkan kepada pemerintah Kota Bukittinggi agar selalu dapat memberikan perhatian khusus untuk para pelaku sector mikro supaya bisa bertahan dan meningkatkan pendapatannya pada masa New Normal. Pemerintah selalu berperan aktif untuk mendukung pencapaian dalam meningkatkan sector mikro di Kota Bukittinggi. Menurut Perspektif Ekonomi Islam dengan adanya tolong menolong (ta’awun) yang merupakan prinsip dasar dari Ekonomi Syariah dapat membangkitkan kembali perekonomian para pelaku UMKM
Tren dan Strategi Pengumpulan Dana Zakat, Infak dan Sedekah (ZIS) di masa Pandemi Covid-19: Studi Multisitus Pada Badan Amil Zakat Nasional (BAZNAS) Kota Malang, Kabupaten Jombang dan Kabupaten Tanah Laut, Kalimantan Selatan
Get PDFZakat memiliki peranan yang sangat penting dalam meningkatkan kesejahteraan masyarakat.. Di masa pandemi Covid-19, peran zakat, infak dan sedekah dalam penanggulangan dampak pandemi, baik secara langsung maupun tidak langsung begitu signifikan. Hal ini terlihat dari besarnya jumlah dana ZIS yang terkumpul. Penelitian ini bertujuan melakukan analisis mendalam terkait tren dan strategi Pengumpulan Dana Zakat, Infak dan Sedekah (ZIS) di masa Pandemi Covid-19 Pada Badan Amil Zakat Nasional (BAZNAS) Kota Malang, Kabupaten Jombang dan Kabupaten Tanah Laut, Kalimantan Selatan. Penelitian ini adalah kualitatif dengan pendekatan studi kasus. Teknik pengumpulan data menggunakan teknik observasi, wawancara dan dokumentasi. Hasil penelitian penelitian diharapkan mampu untuk memberikan gambaran dan analisis mendalam terkait dengan tren dan strategi Pengumpulan Dana Zakat, Infak dan Sedekah (ZIS) di masa Pandemi Covid-19 Pada Badan Amil Zakat Nasional (BAZNAS) Kota Malang dan Badan Amil Zakat Nasional (BAZNAS) Kabupaten Jombang. Hasil penelitian penelitian diharapkan mampu untuk memberikan gambaran dan analisis mendalam terkait dengan tren dan strategi Pengumpulan Dana Zakat, Infak dan Sedekah (ZIS) di masa Pandemi Covid-19 Pada Badan Amil Zakat Nasional (BAZNAS) Kota Malang, Kabupaten Jombang dan Kabupaten Tanah Laut, Kalimantan Selatan
Analisis Konten Pemasaran Islami Pada Akun Instagram Siswa Siswi Sma Islam An Nizam Medan
Get PDFAccess to social media has become a vital need around the world, especially for the younger generation. The Instagram platform is one of the most popular social media in Indonesia and is widely used by high school students. Therefore, the leadership of An Nizam Islamic High School (SMAI) Medan issued a directive for students to wisely use social media, especially Instagram and appealed to students to promote activities carried out at school with the aim of promoting the good name of the school institution, but still upholding Islamic values. Using content analysis of 33 posts by the students of An Nizam Islamic High School on Instagram during the January-March 2022 period, it was found that most of the students' posts were in accordance with the appeal of the SMAI An Nizam leadership. Most postings also use a soft-sell approach which according to the literature is more effective in marketing through social media. The significance of this study lies on the illustration of how social media can be used to Islamic compliance marketing content
Implementasi Maqashid Syari’ah di Badan Usaha Milik Desa (BUMDes)
Get PDFThe purpose of Conventional BUMDes is to obtain profit or net income to increase Village Original Revenue and develop the maximum benefit of the economic resources of the Village community. The purpose of this implementation is to maximize the value of Maqashid Shari'ah. Due to the different objectives of Conventional BUMDes and Maqashid Shari'ah, the indicators are also different. The formulation of the problem in this study is the creation of the main indicators of Islamic BUMDes in accordance with maqashid shari'ah. The research method uses literature studies by reducing factors into indicators. Implementation of maqashid syar'iah as an indicator of Islamic performance in the form of shari’ah compliance, improving the quality of human resources, using Islamic management, business orientation is blessing and profit, and financial management using sharia financial management. The references used are the Al-Quran, As-Sunnah, Fatwa Ulama, and Fatwa of the National Shari'ah Council of the Indonesian Ulama Council
Bank stability, Covid-19, and Islamic bank financing in Indonesia
Get PDFThe financial performance of Islamic banks is strongly influenced by the bank's ability to disburse their funds. The purpose of this study is to analyze the influence of Islamic bank fundamentals in influencing financing. Islamic bank fundamentals consist of stability, size, profitability, equity, efficiency, and financing risk. This study uses quarterly data to examine 13 Islamic commercial banks from 2014 to 2020. The method used is static panel data regression with unbalanced panel data of 334 observations. The results show that the Z-score, assets, ROA, and NPF have a positive effect on the financing of Islamic commercial banks. Meanwhile, the CAR and income cost ratio has a negative effect on the financing of Islamic commercial banks. Furthermore, the economic slowdown because of Covid-19 has reduced Islamic commercial bank financing. These findings indicate that profit, bank size, and stability are the main Islamic bank fundamentals that significantly influence the amount of Islamic bank financing
Risk In Islamic Banking and Islamicity Performance Index
Get PDFThis study aims to examine the impact of financing risk, liquidity risk, and operational risk on the Islamicity performance index. We also set bank size as a control variable. The dummy variable is used as an influence on financing risk before and during the Covid-19 pandemic. Our data were analyzed using panel data regression analysis. Quantitative research in the form of financial statements of Islamic commercial banks in Indonesia for 2014-2021 was selected as our sample with a total of 69 observations. We found that, one of the three variables is significant. Financing risk has no effect on the profit sharing ratio, liquidity risk has an insignificant positive effect on the profit sharing ratio, and operational risk has a significant positive effect on the profit sharing ratio. This study can be used as a reference, evaluation, and source of improvement for Islamic banking in making the right decision to set loan prices, as well as applying good risk management methods
Strategi Peningkatan Aset PT. BPR Syariah Harta Insan Karimah (HIK) Bekasi
Get PDFFinancial circulation at Bank Indonesia has a fluctuating value and is vulnerable to reach. In general, the economic situation at the Bank has problems with the customer's cash deposit factor. BPRS target is the community to help in running the business. The purpose of this research is to help the general public understand the concept of Islamic banking and to provide a conscious overview of the processes and principles of savings and loans in banks. The methodology used in this research is qualitative with methods of collecting observation data, and several banks who are willing to provide information validation guarantees (FGD). The results of the study show that the BPRS system has a greater increase in assets than in previous years, influenced by the development of branches in various cities. BPRS branches develop optimally and provide rules for customers to comply with applicable savings and loan regulations. Several implementation strategies were carried out by the central BPRS to be able to develop branches in other cities as an increase in personal branding for BPRS HIK Bekasi. Principles and sharia belief systems for the public to trust BPRS in assisting business development efforts. The BPRS manages sufficiently increased assets based on the increase in the number of customers with high consumer demand. Banking transactions are increasingly trusted by the public by building awareness in credit to realize smooth capital turnover and increase the management assets of BPRS HIK Bekasi
Pengaruh CAR, ROA, ROE, Dan NPF Terhadap Total Aset Perbankan Syariah Di Bahrain, Arab Saudi, Brunei Darussalam, Malaysia, Dan Indonesia Tahun 2014-2021
Get PDFThe Islamic banking industry is the Islamic financial industry that has the largest number of assets compared to other Islamic financial industries. This research was conducted to find out whether the variables CAR, ROA, ROE, and NPF can affect the total assets of Islamic banking. This research uses a quantitative-descriptive approach. CAR has a significant and positive effect on the total assets of Islamic banking. This means that if CAR increases, it will be followed by an increase in the total assets of Islamic banking. ROA has a significant effect on the total assets of Islamic banking. ROE has a significant and positive effect on the total assets of Islamic banking. This means that when ROE increases, it is followed by an increase in the total assets of Islamic banking. The NPF ratio has no significant effect on the total assets of Islamic banking. Simultaneously, it can be seen that the CAR, ROA, ROE, NPF ratios have a significant effect on the total assets of Islamic banking