Falahiya: Journal of Islamic Banking and Finance最新文献

{"title":"STRATEGI SEGMENTASI PASAR DALAM MENINGKATKAN JUMLAH NASABAH PADA PRODUK TABUNGANKU DI BANK MUAMALAT KANTOR CABANG PEMBANTU MADIUN","authors":"Erista Lutfi Ervina, Mansur Azis","doi":"10.21154/falahiya.v1i2.878","DOIUrl":"https://doi.org/10.21154/falahiya.v1i2.878","url":null,"abstract":"Abstract: The background of this research is that the development of financial institutions is increasing rapidly and the products and services that compete in one market are increasingly diverse, therefore companies must have their own strategies in facing competition. One of the market segmentation strategies that must be considered by companies in marketing. The type of research used is the type of research used (field research) with a qualitative approach. The novelty of this research is that it focuses on my savings product and there is the development of a formulation of the problem of inhibiting and supporting factors of market segmentation where similar research has been carried out. The findings of this study are the segmentation strategy at Bank Muamalat KCP Madiun using geographic segmentation but there has been no significant change. The inhibiting factors for my savings product are not equipped with ATMs, the segmentation of the area is quite wide, namely to cities and villages so that customers who are far from making transactions at the bank, psychographics and personality of customers like that will choose products that are more flexible and have sophisticated technology in transactions. Supporters of my savings product can be reached by all walks of life, free of administration and affordable initial balance, wide geographical segmentation. the market segmentation carried out is still not detecting market changes where there is still little interest in using my savings product. Future research is expected to further examine what market segmentation strategies are in increasing the number of customers. \u0000Keywords: Market Segmentation, Tabunganku, Islamic Banking, Supporting Market Segmentation \u0000  \u0000Abstrak: Penelitian ini dilatar belakangi karena suatu perkembangan lembaga keuangan yang semakin pesat serta produk dan jasa yang bersaing dalam satu pasar semakin beragam, oleh karena itu perusahaan tentunya memiliki strategi masingmasing dalam menghadapi persaingan. Salah satu yaitu strategi segmentasi pasar yang harus dipertimbangkan oleh perusahaan dalam melakukan pemasaranya. Jenis penelitian yang digunakan yaitu jenis penelitian yang digunakan adalah (field research) dengan pendekatan kualitatif. Kebaruan dari penelitian ini yaitu terfokus pada produk tabunganku dan ada pengembangan rumusan masalah faktor penghambat dan pendukung segmentasi pasar yang dimana penelitian serupa belum pernah dilakukan. Temuan Hasil dari penelitian ini yaitu strategi segmentasi pada Bank Muamalat KCP Madiun menggunakan segmentasi geografis tetapi belum juga ada perubahan signifikan. Faktor penghambat yaitu produk tabunganku tidak dilengkapi ATM, wilayah segmentasi yang cukup luas yaitu sampai kota dan desa sehingga nasabah yang rumahnya jauh enggan melakukan transaksi di Bank, psikografis dan kepribadian nasabah dengan seperti itu akan memilih produk yang lebih fleksibel dan memiliki teknologi yang canggih dalam bertransaksi. Pendukung produk tabungank","PeriodicalId":433252,"journal":{"name":"Falahiya: Journal of Islamic Banking and Finance","volume":"88 1","pages":"0"},"PeriodicalIF":0.0,"publicationDate":"2022-12-31","publicationTypes":"Journal Article","fieldsOfStudy":null,"isOpenAccess":false,"openAccessPdf":"","citationCount":null,"resultStr":null,"platform":"Semanticscholar","paperid":"122303933","PeriodicalName":null,"FirstCategoryId":null,"ListUrlMain":null,"RegionNum":0,"RegionCategory":"","ArticlePicture":[],"TitleCN":null,"AbstractTextCN":null,"PMCID":"","EPubDate":null,"PubModel":null,"JCR":null,"JCRName":null,"Score":null,"Total":0}

{"title":"MITIGASI RISIKO PEMBIAYAAN KREDIT USAHA RAKYAT (KUR) DI BANK SYARIAH INDONESIA (BSI) KANTOR CABANG PEMBANTU (KCP) JOMBANG PLOSO DALAM MEWUJUDKAN PEMBIAYAAN YANG SEHAT","authors":"Muhammad Miftahul Huda, Ratna Yunita","doi":"10.21154/falahiya.v1i2.1114","DOIUrl":"https://doi.org/10.21154/falahiya.v1i2.1114","url":null,"abstract":"Abstract: As an effort to minimize the existence of problematic KUR financing, Bank Syariah Indonesia KCP implements risk mitigation. However, in implementing risk mitigation, KUR financing has not been effective, as evidenced by the existence of problematic financing in the KUR financing. The purpose of the study was to determine risk mitigation during the KUR financing procedure, to find out the mitigation of the causes of problematic KUR financing, and the solutions taken in dealing with problematic KUR financing. This study uses a qualitative approach with data collection through interviews and observations. Based on the results of the study, it was concluded that the risk mitigation of KUR financing procedures carried out by Bank Syariah Indonesia KCP Jombang Ploso was in the form of rating methods, financing portfolio management, collateral, cash flow monitoring, recovery management and insurance. Mitigation of risks to the causes of financing problems by training micro staff and providing rescheduling options. Meanwhile, the solution taken by Bank Syariah Indonesia KCP Jombang Ploso for KUR financing is problematic with rescheduling and execution. \u0000Keywords: Risk Mitigation, People's Business Credit, Financing Risk. \u0000  \u0000Abstrak: Sebagai upaya dalam meminamilisir adanya pembiayaan KUR bermasalah, Bank Syariah Indonesia KCP melakukan penerapan mitigasi risiko. Tetapi, dalam melakukan penerapan mitigasi risiko pembiayaan KUR belum efektif, dibuktikan dengan adanya pembiayaan yang bermasalah pada pembiayaan KUR tersebut. Tujuan dari penelitian adalah untuk mengetahui mitigasi risiko pada saat prosedur pembiayaan KUR, mengetahui mitigasi terhadap penyebab pembiayaan KUR bermasalah, dan solusi yang diambil dalam menangani pembiayaan KUR yang bermasalah. Penelitian ini menggunakan pendekatan kualitatif dengan  Pengumpulan data melalui wawancara dan observasi. Berdasarkan hasil penelitian disimpulkan bahwa mitigasi risiko terhadap prosedur pembiayaan KUR yang dilakukan oleh Bank Syariah Indonesia KCP Jombang Ploso berupa metode pemeringkatan, manajemen portofolio pembiayaan, agunan, pengawasan arus kas, manajemen pemulihan dan asuransi. Mitigasi risiko terhadap penyebab pembiayaan bermasalah dengan pelatihan micro staff dan pemberian opsi rescheduling. Sedangkan solusi yang diambil oleh Bank Syariah Indonesia KCP Jombang Ploso terhadap pembiayaan KUR yang bermasalah dengan rescheduling dan eksekusi. \u0000Kata Kunci: Mitigasi Risiko, Kredit Usaha Rakyat, Resiko Pembiayaan. \u0000 ","PeriodicalId":433252,"journal":{"name":"Falahiya: Journal of Islamic Banking and Finance","volume":"1 1","pages":"0"},"PeriodicalIF":0.0,"publicationDate":"2022-12-31","publicationTypes":"Journal Article","fieldsOfStudy":null,"isOpenAccess":false,"openAccessPdf":"","citationCount":null,"resultStr":null,"platform":"Semanticscholar","paperid":"130958161","PeriodicalName":null,"FirstCategoryId":null,"ListUrlMain":null,"RegionNum":0,"RegionCategory":"","ArticlePicture":[],"TitleCN":null,"AbstractTextCN":null,"PMCID":"","EPubDate":null,"PubModel":null,"JCR":null,"JCRName":null,"Score":null,"Total":0}

{"title":"ANALISIS PELAKSANAAN RESCHEDULING PADA PRODUK MITRA USAHA SYARIAH (STUDI PADA BANK PEMBIAYAAN RAKYAT SYARIAH MAGETAN)","authors":"Rizky Dwi Widyaningrum, Iza Hanifuddin","doi":"10.21154/falahiya.v1i2.673","DOIUrl":"https://doi.org/10.21154/falahiya.v1i2.673","url":null,"abstract":"Abstract: The distribution of financing helps increase increase the growth of the real sector. However, disbursement of financing carries the risk of adverse congestion. To that end, the Bank's remedial unit uses several strategies to deal with non-performing financing. One of these strategies is a rescheduling strategy which is carried out by extending the time period and decreasing the number of installments. The implementation of rescheduling is considered capable of changing the non-performing financing to become smooth again with its flexible and non-coercive nature. However, in practice the procedure for implementing rescheduling on Sharia Business Partner Products at the Magetan Sharia People's Financing Bank does not always run smoothly. So this study aims to find out: 1) How is the rescheduling of Sharia Business Partner Products by the Magetan Sharia Rural Bank? This study uses a qualitative approach. Data collection techniques were carried out by observation, documentation and interviews. The results of the analysis obtained that the rescheduling was carried out in accordance with the Financial Services Authority Regulations and the applicable Standard Operating Procedures using 6 reasons as considerations in carrying out rescheduling on Sharia Business Partner Products. The implementation of rescheduling has not always succeeded in re-launching installment payments that previously experienced congestion. This is due to the emergence of obstacles that have the potential to make the implementation of rescheduling less than optimal. \u0000Keywords: Rescheduling, Smooth Installment, Remedial Unit \u0000  \u0000Abstrak: Penyaluran pembiayaan membantu meningkatkan pertumbuhan sektor riil. Meskipun demikian, penyaluran pembiayaan memiliki resiko kemacetan yang merugikan. Untuk itu, unit remedial Bank menggunakan beberapa strategi untuk menangani pembiayaan bermasalah. Salah satu dari strategi tersebut adalah strategi rescheduling yang dilakukan dengan memperpanjang jangka waktu dan penurunan jumlah angsuran. Pelaksanaan rescheduling ini dinilai mampu merubah pembiayaan yang macet menjadi lancar kembali dengan sifatnya yang fleksibel dan tidak memaksa. Namun pada prakteknya prosedur pelaksanaan rescheduling pada Produk Mitra Usaha Syariah di Bank Pembiayaan Rakyat Syariah Magetan tidak selalu berjalan mulus. Sehingga penelitian ini bertujuan untuk mengetahui: 1) Bagaimana pelaksanaan rescheduling Produk Mitra Usaha Syariah oleh Bank Pembiayaan Rakyat Syariah Magetan?, 2) Apa alasan yang mengharuskan Bank Pembiayaan Rakyat Syariah Magetan melakukan rescheduling?, 3) Bagaimana dampak  pelaksanaan rescheduling terhadap  kelancaran pengembalian angsuran?. Penelitian ini menggunakan pendekatan kualitatif. Teknik pengumpulan data dilakukan dengan observasi, dokumentasi dan wawancara. Hasil analisis diperoleh pelaksanaan rescheduling sesuai dengan Peraturan Otoritas Jasa Keuangan dan Standar Operasional Prosedur berlaku dengan menggunakan 6 alasan sebagai pertimba","PeriodicalId":433252,"journal":{"name":"Falahiya: Journal of Islamic Banking and Finance","volume":"166 S352","pages":"0"},"PeriodicalIF":0.0,"publicationDate":"2022-12-31","publicationTypes":"Journal Article","fieldsOfStudy":null,"isOpenAccess":false,"openAccessPdf":"","citationCount":null,"resultStr":null,"platform":"Semanticscholar","paperid":"132905316","PeriodicalName":null,"FirstCategoryId":null,"ListUrlMain":null,"RegionNum":0,"RegionCategory":"","ArticlePicture":[],"TitleCN":null,"AbstractTextCN":null,"PMCID":"","EPubDate":null,"PubModel":null,"JCR":null,"JCRName":null,"Score":null,"Total":0}

{"title":"PENGELOLAAN PEMBIAYAAN BERMASALAH PADA PRODUK KREDIT PEMILIKAN RUMAH (KPR) SUBSIDI PERSPEKTIF UKHUWAH ISLAMIYAH (STUDI PADA BANK BTN SYARIAH KCP SRAGEN)","authors":"Marisa Anggraini, Amin Wahyudi","doi":"10.21154/falahiya.v1i2.819","DOIUrl":"https://doi.org/10.21154/falahiya.v1i2.819","url":null,"abstract":"Abstract: In carrying out financing activities, Islamic banking institutions certainly have principles that are applied, one of which is the principle of ukhuwah islamiyah or Islamic brotherhood. Bank BTN Syariah KCP Sragen as a sharia banking institution that applies this principle, in financing activities for Kredit Pemilikan Rumah (KPR) Subsidized products at Bank BTN Syariah KCP Sragen is certainly faced with a financing problem. Therefore, Bank BTN Syariah KCP Sragen needs a management of non-performing financing in accordance with the principles of ukhuwah islamiyah. Management of non-performing financing in accordance with the perspective of ukhuwah islamiyah. The method used is qualitative, and the type of field research. Collecting data using observations and interviews with office staff including, SBH, Operations, and CFS. The analysis technique in this study uses triangulation. The results showed that the factors that caused problematic financing on subsidized mortgage products at Bank BTN Syariah KCP Sragen were internal factors (from the bank) and external factors (customers). The management of non-performing financing on subsidized mortgage products carried out by Bank BTN Syariah KCP Sragen is quite good, prioritizing an intensive approach with customers, conducting deliberation to negotiate, and implementing a settlement by means of financing restructuring. And the management of non-performing financing on subsidized mortgage products at Bank BTN Syariah KCP Sragen is in accordance with the principle of ukhuwah islamiyah which puts forward the principle of brotherhood by tolerance and mutual help, deliberation, negotiation, not using the services of the collector dept, showing a humanistic attitude which is not done by force or by force. use violence. \u0000Keywords : Troubled Financing Management, Ukhuwah  Islamiyah \u0000  \u0000Abstrak: Dalam menjalankan kegiatan pembiayaan lembaga perbankan syariah tentu mempunyai prinsip yang diterapkan, salah satunya yaitu prinsip ukhuwah islamiyah atau persaudaraan secara Islam. Bank BTN Syariah KCP Sragen sebagai lembaga perbankan syariah yang menerapkan prinsip tersebut, dalam kegiatan pembiayaan pada produk Kredit Pemilikan Rumah (KPR) Subsidi di Bank BTN Syariah KCP Sragen tentu dihadapakan dengan suatu pembiayaan bermasalah. Oleh karena itu Bank BTN Syariah KCP Sragen perlu adanya pengelolaan pembiayaan bermasalah yang sesuai dengan prinsip ukhuwah islamiyah.Tujuan penelitian ini yaitu untuk menganalisis faktor-faktor yang menyebabkan pembiayaan bermasalah, dan pengelolaan pembiayaan bermasalah pada produk KPR subsidi di Bank BTN Syariah KCP Sragen, serta pengelolaan pembiayaan bermasalah yang sesuai dengan perspektif ukhuwah islamiyah. Metode yang digunakan kualitatif, dan jenis penelitian lapangan. Pengumpulan data menggunakan observasi serta wawancara dengan staff kantor meliputi, SBH, Operasinal, dan CFS. Teknik analisis pada penelitian ini menggunakan triangulasi. Hasil penelitian menunjukkan ba","PeriodicalId":433252,"journal":{"name":"Falahiya: Journal of Islamic Banking and Finance","volume":"8 1","pages":"0"},"PeriodicalIF":0.0,"publicationDate":"2022-12-31","publicationTypes":"Journal Article","fieldsOfStudy":null,"isOpenAccess":false,"openAccessPdf":"","citationCount":null,"resultStr":null,"platform":"Semanticscholar","paperid":"132903425","PeriodicalName":null,"FirstCategoryId":null,"ListUrlMain":null,"RegionNum":0,"RegionCategory":"","ArticlePicture":[],"TitleCN":null,"AbstractTextCN":null,"PMCID":"","EPubDate":null,"PubModel":null,"JCR":null,"JCRName":null,"Score":null,"Total":0}

{"title":"PENGARUH INOVASI PRODUK DAN KUALITAS PELAYANAN TERHADAP DAYA SAING DENGAN BRAND IMAGE SEBAGAI VARIABEL INTERVENING PADA BANK SYARIAH INDONESIA KANTOR CABANG NGANJUK YOS SUDARSO","authors":"Ribut Muji Wahono, Ely Masykuroh","doi":"10.21154/falahiya.v1i2.952","DOIUrl":"https://doi.org/10.21154/falahiya.v1i2.952","url":null,"abstract":"Abstract: This study aims to analyze the effect of product innovation and service quality on competitiveness with brand image as an intervening variable at Bank Syariah Indonesia Nganjuk Yos Sudarso Branch Office. This study uses a quantitative approach which uses primary data as a reference. The sample used is 100 respondents by making customers as respondents. The data collection technique used is using a questionnaire with the distribution carried out directly to customers. The sampling technique used was non-probability sampling by using incidental sampling technique. Data analysis in this study used descriptive analysis, validity and reliability tests, classical assumption test, multiple regression analysis, hypothesis testing, and path analysis. The results of the study show that the product innovation variable has a positive and significant effect on competitiveness, the service quality variable has an insignificant effect on competitiveness, the product innovation variable has a positive and significant effect on brand image, the service quality variable has a positive and significant effect on brand image, brand image has a positive and significant effect on competitiveness, brand image variables are not able to mediate the effect of product innovation variables on competitiveness, brand image variables are able to mediate the influence of service quality variables on competitiveness. \u0000Keywords: Competitiveness, Product Innovation, Service Quality, Brand Image \u0000  \u0000Abstrak: Penelitian ini bertujuan untuk menganalisis pengaruh inovasi produk dan kualitas pelayanan terhadap daya saing dengan brand image sebagai variabel intervening pada Bank Syariah Indonesia Kantor Cabang Nganjuk Yos Sudarso. Penelitian ini menggunakan pendekatan kuantitatif yang mana menjadikan data primer sebagai rujukan. Sampel yang digunakan sebanyak 100 responden dengan menjadikan nasabah sebagai responden. Teknik pegumpulan data yang dilakukan yaitu menggunakan kuisoner dengan penyebaran yang dilakukan langsung terhadap nasabah. Teknik pengambilan sampel menggunakan nonprobabilty sampling dengan menggunakan teknik insidental sampling. Analisis data dalam penelitian ini menggunakan analisis deskriptif, uji validitas dan reliabilitas, uji asumsi klasik, analisis regresi berganda, uji hipotesis, dan analisis jalur (Path Analysis). Hasil pada penelitian menunjukkan bahwa variabel inovasi produk berpengaruh positif dan signifikan terhadap daya saing, variabel kualitas pelayanan berpengaruh tidak signifikan terhadap daya saing sebesar, variabel inovasi produk berpengaruh positif dan signifikan terhadap brand image, variabel kualitas pelayanan berpengaruh positif dan signifikan terhadap brand image, variabel brand image berpengaruh positif dan signifikan terhadap daya saing, variabel brand image tidak mampu memediasi pengaruh variabel inovasi produk terhadap daya saing, variabel brand image mampu memediasi pengaruh variabel kualitas pelayanan terhadap daya saing. \u0000Kata Kunc","PeriodicalId":433252,"journal":{"name":"Falahiya: Journal of Islamic Banking and Finance","volume":"24 1","pages":"0"},"PeriodicalIF":0.0,"publicationDate":"2022-12-31","publicationTypes":"Journal Article","fieldsOfStudy":null,"isOpenAccess":false,"openAccessPdf":"","citationCount":null,"resultStr":null,"platform":"Semanticscholar","paperid":"134497168","PeriodicalName":null,"FirstCategoryId":null,"ListUrlMain":null,"RegionNum":0,"RegionCategory":"","ArticlePicture":[],"TitleCN":null,"AbstractTextCN":null,"PMCID":"","EPubDate":null,"PubModel":null,"JCR":null,"JCRName":null,"Score":null,"Total":0}

{"title":"Penerapan Inklusi Keuangan dalam Pengembangan UMKM di Bank Pembiayaan Rakyat Syariah Sukowati Sragen (Studi Komparasi Sebelum Pandemi dan Saat Pandemi)","authors":"Syafa Tasya Wahyuleananda, Faruq Ahmad Futaqi","doi":"10.21154/falahiya.v1i2.697","DOIUrl":"https://doi.org/10.21154/falahiya.v1i2.697","url":null,"abstract":"Abstract: Financial inclusion ensures that vulnerable groups of people can obtain adequate bank and credit financial services in a timely manner and at affordable costs. The number of MSMEs experienced a decline in sales and difficulties in terms of capital. Lack of capital for MSMEs, which only rely on very limited personal capital, while loan capital from financial institutions is difficult to obtain because the requirements are too complicated and cannot be met. The purpose of this study was to analyze the comparison of the mechanism, effectiveness and constraints of implementing financial inclusion in the development of MSMEs at BPRS Sukowati Sragen before and during the pandemic. This study uses a qualitative-comparative research approach. The results of this study conclude that the form of financial inclusion at BPRS Sukowati Sragen is that the bank continues to accelerate financing to MSME actors, whether affected by COVID or not. Comparison of the effectiveness of implementing financial inclusion at the Sukowati Sragen BPRS, seen from community access, it can be said to be more effective before the pandemic because the implementation before the pandemic carried out socialization activities, market raids, product exhibitions and mobile cash by going directly to the field, while during the pandemic the activities were limited. . However, in its implementation there are still obstacles such as the absence of a digital platform. \u0000Keywords: Financial Inclusion, MSMEs, Pandemic, BPRS \u0000  \u0000Abstrak: Inklusi keuangan memastikan bahwa kelompok masyarakat yang rentan dapat memperoleh layanan keuangan bank dan kredit yang memadai secara tepat waktu dan biaya terjangkau. Banyaknya UMKM yang mengalami penurunan penjualan dan kesulitan dalam hal permodalan. Kurangnya permodalan UMKM yang hanya mengandalkan modal pribadi yang sangat terbatas sedangkan modal pinjaman dari lembaga keuangan sulit diperoleh karena persyaratan yang terlalu rumit dan tidak bisa dipenuhi. Tujuan penelitian ini adalah untuk menganalisis perbandingan mekanisme, efektivitas dan kendala penerapan inklusi keuangan dalam pengembangan UMKM di BPRS Sukowati Sragen sebelum dan saat pandemi. Penelitian ini menggunakan pendekatan penelitian kualitatif-komparatif. Hasil penelitian ini menyimpulkan bahwa wujud inklusi keuangan di BPRS Sukowati Sragen adalah bank terus mengakselerasi pembiayaan ke para pelaku UMKM baik yang terdampak covid maupun tidak. Perbandingan efektifitas penerapan inklusi keuangan di BPRS Sukowati Sragen dilihat dari akses masyarakat bisa dikatakan lebih efektif pada saat sebelum pandemi karena penerapan sebelum pandemi kegiatan sosialisasi-sosialisasi, grebek pasar, pameran produk dan kas keliling dilakukan dengan terjun langsung ke lapangan sedangkan saat pandemi kegiatan dilakukan terbatas. Namun dalam penerapannya masih terdapat kendala seperti belum adanya platform digital. \u0000Kata Kunci: Inklusi Keuangan, UMKM, Pandemi, BPRS","PeriodicalId":433252,"journal":{"name":"Falahiya: Journal of Islamic Banking and Finance","volume":"50 1","pages":"0"},"PeriodicalIF":0.0,"publicationDate":"2022-12-31","publicationTypes":"Journal Article","fieldsOfStudy":null,"isOpenAccess":false,"openAccessPdf":"","citationCount":null,"resultStr":null,"platform":"Semanticscholar","paperid":"130948385","PeriodicalName":null,"FirstCategoryId":null,"ListUrlMain":null,"RegionNum":0,"RegionCategory":"","ArticlePicture":[],"TitleCN":null,"AbstractTextCN":null,"PMCID":"","EPubDate":null,"PubModel":null,"JCR":null,"JCRName":null,"Score":null,"Total":0}

{"title":"Efektivitas Produk Tabungan Prima Berhadiah dalam Menarik Minat Menabung Pegawai Negeri Sipil di Bank Muamalat Indonesia Kantor Cabang Pembantu (KCP) Madiun","authors":"Elsa Alfiyanti, Tiara Widya Antikasari","doi":"10.21154/falahiya.v1i1.658","DOIUrl":"https://doi.org/10.21154/falahiya.v1i1.658","url":null,"abstract":"Bank Muamalat Indonesia KCP Madiun is a sharia financial institution that launched a product, the name of product is Tabungan Prima Berhadiah, where the product has various advantages. With these various advantages, it is hoped that it will attract as many customers as possible. But in reality, the number of Tabungan Prima Berhadiah customers always up and down every year and is not stable enough. Therefore, it is necessary to evaluate using the theory of effectiveness so that it can be seen whether or not the product or program of Tabungan Prima Berhadiah can attracts customers' savings interest. This type of research is field research using a qualitative approach. Data collection techniques through interviews with the bank, customers and prospective customers as well as documentation. The results of this study, the overall mechanism for giving prizes to the Tabungan Prima Berhadiah which Bank Muamalat Indonesia KCP Madiun did not go out of the corridor or sharia principles, then this shows that there is compliance with Fatwa DSN MUI No. 86/DSN-MUI/XII/2012. The factors that support the savings interest for civil servants are due to product excellence, relationship manager skills during promotions, need factors, and recommendations from other customers. While the inhibiting factor is from a financial perspective and the existence of other needs that are more important to be prioritized. Tabungan Prima Berhadiah is quite effective in attracting savings interest civil servants from the point of view of the accuracy of program targets and program objectives, in terms of program socialization and program monitoring is still not effective. \u0000Bank Muamalat Indonesia KCP Madiun merupakan lembaga keuangan syariah yang meluncurkan produk Tabungan Prima Berhadiah, dimana produk tersebut memiliki beragam keunggulan. Dengan beragam keunggulan tersebut diharapkan dapat menarik minat menabung nasabah sebanyak mungkin. Tetapi pada kenyataannya, jumlah nasabah Tabungan Prima Berhadiah ini setiap tahunnya selalu naik turun dan belum cukup stabil. Maka perlu adanya evaluasi menggunakan teori efektivitas agar dapat diketahui jalan atau tidaknya produk atau program Tabungan Prima Berhadiah ini dalam menarik minat menabung nasabah. Jenis penelitian ini adalah penelitian lapangan (field research) dengan menggunakan pendekatan kualitatif. Teknik pengumpulan data melalui wawancara dengan pihak bank, nasabah dan calon nasabah serta dokumentasi. Hasil dari penelitian ini, secara keseluruhan mekanisme pemberian hadiah pada Tabungan Prima Berhadiah yang diterapkan oleh Bank Muamalat Indonesia KCP Madiun tidak keluar dari koridor atau prinsip syariah, maka hal ini menunjukkan adanya kepatuhan terhadap Fatwa DSN MUI No. 86/DSN MUI/XII/2012. Adapun faktor pendukung minat menabung pegawai negeri sipil yaitu karena keunggulan produk, skill relationship manager saat promosi, faktor kebutuhan, dan rekomendasi dari nasabah lain. Sedangkan faktor penghambatnya adalah dari segi finan","PeriodicalId":433252,"journal":{"name":"Falahiya: Journal of Islamic Banking and Finance","volume":"1 1","pages":"0"},"PeriodicalIF":0.0,"publicationDate":"2022-06-23","publicationTypes":"Journal Article","fieldsOfStudy":null,"isOpenAccess":false,"openAccessPdf":"","citationCount":null,"resultStr":null,"platform":"Semanticscholar","paperid":"115534132","PeriodicalName":null,"FirstCategoryId":null,"ListUrlMain":null,"RegionNum":0,"RegionCategory":"","ArticlePicture":[],"TitleCN":null,"AbstractTextCN":null,"PMCID":"","EPubDate":null,"PubModel":null,"JCR":null,"JCRName":null,"Score":null,"Total":0}

{"title":"Dampak Strategi Personal Branding Funding Officer terhadap Loyalitas Nasabah di Bank Pembiayaan Rakyat Syariah Lantabur Tebuireng Cabang Mojokerto","authors":"Gita Verawati, Dwi Setya Nugrahini","doi":"10.21154/falahiya.v1i1.656","DOIUrl":"https://doi.org/10.21154/falahiya.v1i1.656","url":null,"abstract":"Personal branding merupakan proses seseorang untuk membentuk jati diri dengan cara mempromosikan diri sendiri yang bertujuan agar orang lain menilainya dari prestasi dan pencapaian yang telah dilaksanakan. Personal branding sangatlah penting untuk diterapkan dimanapun kita bekerja, termasuk di bidang marketing seperi funding officer. Seorang  funding officer harus mampu berkomunikasi baik dan memberikan pelayanan yang terbaik kepada nasabah agar terciptanya nasabah yang loyal. Tujuan dari penelitian ini yaitu untuk mengetahui penerapan strategi personal branding funding officer terhadap loyalitas nasabah di BPRS Lantabur Tebuireng Cabang Mojokerto, dampak strategi personal branding funding officer terhadap loyalitas nasabah di BPRS Lantabur Tebuireng Cabang Mojokerto, dan upaya yang dilakukan BPRS Lantabur Tebuireng Cabang Mojokerto dalam menangani dampak personal branding funding officer terhadap loyalitas nasabah. Jenis penelitian yang digunakan adalah penelitian kualitatif deskriptif dan termasuk juga ke dalam penelitian lapangan (field research). Peneliti mencari data langsung kepada pimpinan cabang, funding officer dan nasabah BPRS Lantabur Tebuireng Cabang Mojoketo. Peneliti mencari fakta-fakta tentang strategi personal branding yang dilakukan funding officer. Hasil penelitian ini adalah (1) Strategi personal branding yang diterapkan funding officer di BPRS Lantabur Tebuireng Cabang Mojokerto sudah sesuai dengan teori Farco Siswiyanto Raharjo yaitu menerapkan 8 strategi personal branding,  namun ada beberapa yang belum sesuai yaitu belum menerapkan spesialisasi dengan maksimal dan perlu untuk ditingkatkan lagi. (2) Dampak strategi personal branding funding officer terhadap loyalitas nasabah di BPRS Lantabur Tebuireng Cabang Mojokerto menunjukkan bahwa ketika nasabah sangat loyal dengan funding officernya, seringkali nasabah tidak setuju digantikan dengan yang lain karena alasan pelayanan tidak sama. Dan menyebabkan nasabah tidak  menabung lagi. (3) Upaya yang dilakukan BPRS Lantabur Tebuireng Cabang Mojokerto dalam menangani dampak personal branding funding officer terhadap loyalitas nasabah yaitu dengan menerapkan sistem rolling posisi setiap dua tahun sekali dan sebelum proses rolling funding officer harus berpamitan dengan nasabah memperkenalkan penggantinya. \u0000Personal branding is the process of a person to form an identity by means of self-promotion with the aim that others will judge him from the achievements and achievements that have been carried out. Personal branding is very important to be applied wherever we work, including in the field of marketing such as funding officer. A funding officer must be able to communicate well and provide the best service to customers in order to create loyal customers. The purpose of this study is to determine the implementation of the personal branding funding officer strategy on customer loyalty at BPRS Lantabur Tebuireng Mojokerto Branch, the impact of the funding officer personal branding strat","PeriodicalId":433252,"journal":{"name":"Falahiya: Journal of Islamic Banking and Finance","volume":"81 1","pages":"0"},"PeriodicalIF":0.0,"publicationDate":"2022-06-23","publicationTypes":"Journal Article","fieldsOfStudy":null,"isOpenAccess":false,"openAccessPdf":"","citationCount":null,"resultStr":null,"platform":"Semanticscholar","paperid":"133993147","PeriodicalName":null,"FirstCategoryId":null,"ListUrlMain":null,"RegionNum":0,"RegionCategory":"","ArticlePicture":[],"TitleCN":null,"AbstractTextCN":null,"PMCID":"","EPubDate":null,"PubModel":null,"JCR":null,"JCRName":null,"Score":null,"Total":0}

{"title":"Customer Service for Customers at Bank Syariah Indonesia Ngawi Sub-Branch","authors":"Rika Ema Ivainaroh, Luthfi Hadi Aminuddin","doi":"10.21154/falahiya.v1i1.584","DOIUrl":"https://doi.org/10.21154/falahiya.v1i1.584","url":null,"abstract":"The competition felt by Bank Syariah Indonesia KCP Ngawi is very tight and Bank Syariah Indonesia KCP Ngawi tries to provide services. Therefore, further research is needed on the services provided. The main objective of this study is to analyze good service practices, service strategies and the impact of service strategies used by Bank Syariah Indonesia KCP Ngawi. The method used is qualitative by using the type of field research. The research was conducted by collecting data through interviews by interviewing customers and customer service of Bank Syariah Indonesia KCP Ngawi. The results of the study indicate that the role of customer service is also applied at Bank Syariah Indonesia KCP Ngawi quite well to improve customers and bank image. The service practice at Bank Syariah Indonesia KCP Ngawi is quite good, although not all of the criteria for good service have been fulfilled or carried out by customer service at Bank Syariah Indonesia KCP Ngawi. In providing services to customers. Bank Syariah Indonesia KCP Ngawi uses the Ultimate Service service strategy and customer complaint strategy. The services provided by the Customer Service of Bank Syariah Indonesia are good, it can be seen through customer service in carrying out its role, in carrying out the criteria for good service, and it can also be seen from the determination of strategies used to improve services to customers at Bank Syariah Indonesia. KCP Ngawi. \u0000Persaingan yang dirasakan Bank Syariah Indonesia KCP Ngawi sangat ketat dan Bank Syariah Indonesia KCP Ngawi berusaha memberikan pelayanan. Oleh karena itu, diperlukan penelitian lebih lanjut mengenai layanan yang diberikan. Tujuan utama dari penelitian ini adalah untuk menganalisis praktik pelayanan yang baik, strategi pelayanan dan dampak dari strategi pelayanan yang digunakan oleh Bank Syariah Indonesia KCP Ngawi. Metode yang digunakan adalah kualitatif dengan jenis penelitian lapangan. Penelitian dilakukan dengan pengumpulan data melalui wawancara dengan mewawancarai nasabah dan customer service Bank Syariah Indonesia KCP Ngawi. Hasil penelitian menunjukkan bahwa peran customer service juga diterapkan di Bank Syariah Indonesia KCP Ngawi cukup baik untuk meningkatkan citra nasabah dan bank. Praktik pelayanan di Bank Syariah Indonesia KCP Ngawi sudah cukup baik, walaupun belum semua kriteria pelayanan yang baik telah dipenuhi atau dilakukan oleh customer service di Bank Syariah Indonesia KCP Ngawi. Dalam memberikan pelayanan kepada pelanggan. Bank Syariah Indonesia KCP Ngawi menggunakan strategi layanan Ultimate Service dan strategi pengaduan nasabah. Pelayanan yang diberikan oleh Customer Service Bank Syariah Indonesia sudah baik, dapat dilihat melalui customer service dalam menjalankan perannya, dalam menjalankan kriteria pelayanan yang baik, dan juga dapat dilihat dari penentuan strategi yang digunakan untuk meningkatkan pelayanan kepada nasabah di Bank Syariah Indonesia. KCP Ngawi.","PeriodicalId":433252,"journal":{"name":"Falahiya: Journal of Islamic Banking and Finance","volume":"1 1","pages":"0"},"PeriodicalIF":0.0,"publicationDate":"2022-06-23","publicationTypes":"Journal Article","fieldsOfStudy":null,"isOpenAccess":false,"openAccessPdf":"","citationCount":null,"resultStr":null,"platform":"Semanticscholar","paperid":"130230363","PeriodicalName":null,"FirstCategoryId":null,"ListUrlMain":null,"RegionNum":0,"RegionCategory":"","ArticlePicture":[],"TitleCN":null,"AbstractTextCN":null,"PMCID":"","EPubDate":null,"PubModel":null,"JCR":null,"JCRName":null,"Score":null,"Total":0}

{"title":"Efektivitas Publisitas Produk Bank Syariah (Studi pada Bank Syariah Indonesia Kantor Cabang Ponorogo)","authors":"Muzakir, Said Abadi","doi":"10.21154/falahiya.v1i1.667","DOIUrl":"https://doi.org/10.21154/falahiya.v1i1.667","url":null,"abstract":"A company or bank certainly has a vision and mission in marketing its products or services, this research is motivated by customers regarding the lack of information from Islamic banking, this is what the researchers encountered when conducting interviews with customers of Indonesian Islamic banks at the Ponorogo branch office and also motivated by several of the same journals in discussing public understanding and knowledge about Islamic banking. This study aims to determine the form of product publicity promotion strategy and to determine the effectiveness of the product publicity promotion strategy carried out by the Indonesian Islamic Banking Ponorogo Branch. This study uses the theory of publicity promotion, and the theory of marketing effectiveness in which it discusses the analysis of a bank product publicity promotion strategy and then discusses the forms of promotional activities. And discusses the effectiveness of the publicity promotion carried out by the ponorogo branch of the Indonesian Islamic bank. This study uses a qualitative descriptive method that describes the findings in the field, the data collection techniques in this study use interviews, observation and documentation. The data analysis technique in this study used descriptive analysis techniques, the data used in this study used primary data and secondary data. Data processing techniques using: editing, organizing, determining the results and the technique of checking the validity of the data in this study used the triangulation technique.The results of this study indicate that there are product publicity activities carried out by Indonesian Islamic banking at the Ponorogo branch office, covering various forms of publicity promotion activities which include Press Relations, Product Publicity, Corporate Communications, Lobbying and Guidance. And the results of the effectiveness of publicity promotions show that the company's sales and outside sales are already effective. The conclusion of this study shows that the publicity promotion strategy has been carried out by the Indonesian Islamic bank in the Ponorogo branch, and the publicity strategy has been effective. \u0000Sebuah perusahaan atau bank tentunya punya Visi dan Misi dalam memasarkan produk atau jasanya, penelitian ini dilatarbelakangi oleh nasabah terkait kurangnya informasi dari perbankan syariah, hal tersebut peneliti jumpai saat melakukan wawancara dengan nasabah bank syariah indonesia kantor cabang ponorogo. dan juga dilatarbelakangi oleh beberapa jurnal yang sama dalam membahas pemahaman dan pengetahuan masyarakat mengenai perbankan syariah. Penelitian ini bertujuan untuk mengetahui bentuk strategi promosi publisitas produk dan untuk mengetahui bentuk Efektivitas strategi promosi publisitas produk yang dilakukan Perbankan Syariah Indonesia Cabang Ponorogo. Penelitian ini menggunakan teori promosi publisitas, dan teori efektifitas pemasaran yang didalamnya membahas tentang analisis sebuah strategi promosi publisita","PeriodicalId":433252,"journal":{"name":"Falahiya: Journal of Islamic Banking and Finance","volume":"56 1","pages":"0"},"PeriodicalIF":0.0,"publicationDate":"2022-06-23","publicationTypes":"Journal Article","fieldsOfStudy":null,"isOpenAccess":false,"openAccessPdf":"","citationCount":null,"resultStr":null,"platform":"Semanticscholar","paperid":"133830011","PeriodicalName":null,"FirstCategoryId":null,"ListUrlMain":null,"RegionNum":0,"RegionCategory":"","ArticlePicture":[],"TitleCN":null,"AbstractTextCN":null,"PMCID":"","EPubDate":null,"PubModel":null,"JCR":null,"JCRName":null,"Score":null,"Total":0}