Garuda - Garba Rujukan Digital

Analysis of Digital Marketing Implementation on ASN Customer Acquisition at Bjb KCP Ciledug Aini Sahaya; Evania Nadzar; Gama pratama
Ecobankers : Journal of Economy and Banking Vol. 7 No. 1 (2026): Ecobankers : Journal of Economy and Banking
Publisher : Prodi Perbankan Syariah Fakultas Ekonomi dan Bisnis Islam Universitas Islam Bunga Bangsa Cirebon

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.47453/ecobankers.v7i1.4301

This research aims to evaluate the implementation of Bank BJB's digital marketing in attracting State Civil Apparatus (ASN) customers at BJB KCP Ciledug. Even though Bank BJB has made digital changes by developing services such as BJB Digi and DigiCash, interviews conducted show that the implementation of digital marketing in branches is still very limited. Promotion for ASN credit is only carried out via WhatsApp messages without any organized digital strategy on social media or other digital platforms. On the other hand, recruiting ASN customers still relies more on a relationship marketing approach by establishing closeness between Account Officers (AO) and government agencies. These findings indicate that there is a digital gap between the strength of BJB's digital capacity and digital marketing practices that have not been optimal. By applying a descriptive qualitative approach, this research shows that acquisition methods are still conventional and rely heavily on trust, commitment and personal interaction. This research concludes that there is a need to optimize digital marketing strategies to strengthen the ASN acquisition process, increase marketing effectiveness, and support AO performance amidst increasingly fierce digital banking competition.

The Role of Financial Institutions in Controlling Inflation through Money Supply Policies in Indonesia in the Era of the COVID-19 Pandemic Ita Wulandari; Linda Lidiyawati; Gama Pratama; Delia Apriyahya; Siti Nurkommala
Ecobankers : Journal of Economy and Banking Vol. 7 No. 1 (2026): Ecobankers : Journal of Economy and Banking
Publisher : Prodi Perbankan Syariah Fakultas Ekonomi dan Bisnis Islam Universitas Islam Bunga Bangsa Cirebon

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.47453/ecobankers.v7i1.4532

The COVID-19 pandemic that has hit Indonesia since the beginning of 2020 has had a significant impact on national economic stability, especially in terms of controlling inflation and managing the money supply. This study aims to analyze the role of financial institutions, especially Bank Indonesia as a central bank and banking institution, in controlling inflation through money supply policies during the COVID-19 pandemic era. The research method used is a literature review study with empirical data analysis obtained from publications of Bank Indonesia, the Central Statistics Agency, and scientific journals for the period 2020-2024.The findings of the study indicate that Bank Indonesia has implemented a variety of accommodative monetary policy instruments, including the reduction of the BI 7-Day Reverse Repo Rate, the easing of the Minimum Mandatory Current Account, and the policy of purchasing Government Securities to maintain liquidity and stability of the financial system. Although the money supply has increased significantly during the pandemic period, inflation in Indonesia has remained under control within the set target range, even experiencing deflation in some periods. This shows the effectiveness of coordination between monetary and fiscal policies, as well as the active role of banking institutions in maintaining economic stability. The study concludes that financial institutions play a crucial role in controlling inflation through proper money supply management, although external challenges such as global price pressures and economic uncertainty remain to require continued vigilance.

The Development of E-Commerce in Indonesia Reviewed from a Digital Economy Perspective Eva Nurazizah; Muhammad Zidan Andriawan; Gama Pratama
Ecobankers : Journal of Economy and Banking Vol. 7 No. 1 (2026): Ecobankers : Journal of Economy and Banking
Publisher : Prodi Perbankan Syariah Fakultas Ekonomi dan Bisnis Islam Universitas Islam Bunga Bangsa Cirebon

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.47453/ecobankers.v7i1.4533

This research aims to explore the development of e-commerce in Indonesia. The research was conducted with a qualitative approach, using literature studies as a source of information about the development of e-commerce, both from books and scientific articles. Advances in information and communication technology in the era of globalization have brought significant changes in various areas of life, including the trade sector. One of the tangible manifestations of this change is the presence of electronic commerce (e-commerce), which allows buying and selling transactions to be carried out digitally via the internet. Based on the discussions that have been carried out, it can be concluded that the development of e-commerce in Indonesia is taking place very quickly, especially since the COVID-19 pandemic. This growth is triggered by the high adoption of digital technology, the increase in the number of internet users, and the increasing trend of online shopping which is increasingly accepted by the public

The Role of PT Danamas Insan Kreasi Andalan in Enhancing Community Economic Development: An Islamic Economic Perspective (Cirebon Branch) Siti Hartina; Gama Pratama; Ahmad Munajim; Mohammad Ridwan
Ecobankers : Journal of Economy and Banking Vol. 7 No. 1 (2026): Ecobankers : Journal of Economy and Banking
Publisher : Prodi Perbankan Syariah Fakultas Ekonomi dan Bisnis Islam Universitas Islam Bunga Bangsa Cirebon

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.47453/ecobankers.v7i1.4536

This study aims to examine the role of PT Danamas Insan Kreasi Andalan in enhancing community economic development from an Islamic economic perspective, with a focus on the Cirebon branch. The research adopts a qualitative approach through observations, interviews, and document analysis to explore the company’s contributions to local economic empowerment. The findings indicate that PT Danamas Insan Kreasi Andalan plays a significant role in improving community welfare by providing accessible financial services and supporting small-scale businesses. From the perspective of Islamic economics, the company’s practices reflect fundamental principles such as justice, mutual benefit, and social responsibility. These values contribute to the creation of inclusive and sustainable economic growth within the community. However, the study also highlights the need for continuous improvement in service quality and outreach to maximize its impact. Overall, the company demonstrates strong potential in fostering community economic development aligned with Islamic economic principles.

Islamic Marketing Strategy in Developing Crab Meat Business: A Case Study of CV. Perjuangan 7703 in Waruduwur Village, Cirebon Regency, Indonesia Gama Pratama; Siti Amanah
Ecobankers : Journal of Economy and Banking Vol. 7 No. 1 (2026): Ecobankers : Journal of Economy and Banking
Publisher : Prodi Perbankan Syariah Fakultas Ekonomi dan Bisnis Islam Universitas Islam Bunga Bangsa Cirebon

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.47453/ecobankers.v7i1.4537

This study aims to analyze the implementation of Islamic marketing strategies in developing a crab meat business at CV. Perjuangan 7703 located in Waruduwur Village, Cirebon Regency, Indonesia. This research employs a qualitative approach with a case study method. Data were collected through observation, in-depth interviews, and documentation, and analyzed using descriptive analysis techniques. The findings reveal that the company has implemented marketing strategies in accordance with the 7P marketing mix framework, including product, price, place, promotion, people, process, and physical evidence, which effectively support business development. Furthermore, the application of Islamic marketing principles—rabbaniyah (theocentric), akhlaqiyah (ethical), al-waqi’iyyah (realistic), and insaniyah (humanistic)—has enhanced transparency, trust, and direction in marketing practices compared to conventional approaches. Despite several challenges in sustaining the business, the company has adopted appropriate problem-solving strategies that enable it to maintain and develop its operations. This study highlights that integrating Islamic marketing values into business practices can contribute positively to sustainable business development, particularly in small and medium enterprises in the fisheries sector.

Mudharabah Savings Scheme for Business Blessings in Increasing Customer Loyalty of KCP Bank Mega Syariah Cipto Cirebon Indri Nurliani; Gama Pratama; Mohammad Ridwan
Ecobankers : Journal of Economy and Banking Vol. 7 No. 1 (2026): Ecobankers : Journal of Economy and Banking
Publisher : Prodi Perbankan Syariah Fakultas Ekonomi dan Bisnis Islam Universitas Islam Bunga Bangsa Cirebon

Show Abstract | Download Original | Original Source | Check in Google Scholar

This study aims to find out the Mudharabah Scheme of Business Blessing Savings in Increasing Customer Loyalty of KCP Bank Mega Syariah Cipto Cirebon The method used is a qualitative method that is descriptive, where the method includes direct research in the field by collecting data through observation to the KCP Bank Mega Syariah Cipro Cirebon then interviewing the resource persons, namely Bank employees and customers who use the Business Blessing Savings Account. And conducting documentation to the relevant part to complete the information in this study. The results of this study stated that the Mudharabah contract scheme for Business Blessing Savings at Bank Mega Syariah KCP Cipto Cirebon has an important role in increasing customer loyalty. The implementation of the Mudharabah contract scheme and maintaining communication with customers brings a number of benefits to customers, such as flexibility in fund management and fair distribution of profits. Bank Mega Syariah KCP Cipto Cirebon is responsible for the investment capital invested by Tabungan Berkah Bisnis customers in accordance with the previously agreed proportions.

Understanding Financing Literacy and Its Impact on Mortgage Application Intention: An Islamic Economics Perspective Sahid Kelana; Budiana Budiana; Farid Wajdi; Gama Pratama
Ecobankers : Journal of Economy and Banking Vol. 7 No. 1 (2026): Ecobankers : Journal of Economy and Banking
Publisher : Prodi Perbankan Syariah Fakultas Ekonomi dan Bisnis Islam Universitas Islam Bunga Bangsa Cirebon

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.47453/ecobankers.v7i1.4542

This study aims to find out whether KPR Artha Graha Surapandan has implemented sharia financing, to determine the level of understanding of the interest in applying for KPR financing at Perum Artha Graha Surapandan and to provide policies on what are the obstacles and what are the solutions to the Understanding Analysis of Financing Interest in submitting mortgages in terms of Islamic Economics. Determine the desired location by conducting research based on data collected from the qualitative framework, qualitative tools, and qualitative data. In this research report, the focus is on an overall picture of the level of consumer understanding of Islamic mortgage financing. Reports come from interview transcripts, field notes, photographs, personal documents, notes or memos, and other official documents. From some of the field findings, it is understandable that all problems can be solved according to the designation of things like this to support the understanding of potential buyers in mortgage financing at Perum Artha Graha Surapan and Cirebon City. Based on the field and correlated with the pillars of terms and buying and selling murabahah such as there are sellers, buyers, products sold, as well as prices and agreements, Perum Artha Graha Surapandan in the application of financing in submitting mortgages is in accordance with the application of sharia. Based on field findings and supported by the DSN-MUI Fatwa regarding murabaha financing. So Perum Artha Graha Surapandan in carrying out sharia mortgage financing is appropriate. So it can be compared to conventional financing, that sharia financing with a murabaha contract allows prospective home buyers to know clear profits and margins and pay installments without being burdened according to the agreed loan period so that mortgage loans can be completed without burden. The obstacle of not passing BI checking is because the prospective buyer has a history of unfinished credit payments, does not have a checking account statement and a permanent job, in this case the developer of Perum Artha Graha Surapan and the City of Cirebon continues to provide solutions by way of sharia financing where prospective buyers can still have a desired house. To increase marketing, you can go through brochures, take part in exhibitions and several agency locations so that interested people have a better understanding of applying for mortgage financing and can be known by many people. As for the problem of financing information from the developer to the buyer, it should be improved again, because it will affect the course of installment payments in making the expected house

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