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All Journal Jesya (Jurnal Ekonomi dan Ekonomi Syariah)
Trischa Relanda Putra
program studi ekonomi syariah, fakultas keislaman, Universitas Trunojoyo Madura
Decision Sciences, Operations Research & Management

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OPERATIONAL ANALYSIS OF ISLAMIC MARKETING MIX (9+1P): A QUALITATIVE NVIVO-BASED STUDY ON HAJJ SAVINGS IN ISLAMIC BANKING Maratus Solihah; Nasrulloh Nasrulloh; Trischa Relanda Putra
Jesya Vol 9 No 2 (2026): FORTHCOMING ARTICLES : JUNI 2026
Publisher : LPPM Sekolah Tinggi Ilmu Ekonomi Al-Washliyah Sibolga

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.36778/jesya.v9i2.2651

Abstract

This study addresses the limited operational explanation of the Islamic Marketing Mix 9+1P in Hajj savings products. Unlike previous studies that mainly examine its effect on customer satisfaction and loyalty, this study analyzes how sharia marketing values are practiced in daily banking services. Using a descriptive qualitative approach, data were collected through interviews, observation, and documentation, then analyzed through thematic coding with NVivo 14. The findings reveal that People, Process, and Pray are the most prominent elements in shaping customer trust and spiritual service value. This study contributes by positioning the 9+1P framework as an operational and spiritual service model for Islamic banking, especially in worship-oriented financial products.
ANALYSIS OF THE APPLICATION OF MURABAHAH CONTRACT TO IB GOLD OWNERSHIP PRODUCTS AT KB BANK SYARIAH SURABAYA Afaf Fitriati; Mashudi Mashudi; Trischa Relanda Putra
Jesya Vol 9 No 2 (2026): FORTHCOMING ARTICLES : JUNI 2026
Publisher : LPPM Sekolah Tinggi Ilmu Ekonomi Al-Washliyah Sibolga

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.36778/jesya.v9i2.2652

Abstract

This study examines the implementation of the murabahah contract in the iB Gold Ownership product at KB Bank Syariah KCP Surabaya. The research is motivated by the gap between administrative sharia compliance and substantive sharia compliance in murabahah-based gold financing, particularly regarding asset ownership, margin transparency, risk allocation, and contract validity. This study uses a descriptive qualitative approach, with data collected through interviews, observation, and documentation involving bank officers and customers. The findings show that the product demonstrates strong administrative compliance through the use of murabahah, disclosure of price and margin, fixed installment terms, and the integration of rahn as collateral. However, substantive compliance still requires stronger evidence of gold ownership by the bank before the sale contract, clearer documentation of ownership transfer, and better customer understanding of the distinction between murabahah margin and conventional interest. The contribution of this study lies in its analytical distinction between administrative compliance and substantive sharia compliance, offering a more critical framework for evaluating murabahah-based gold financing practices in Islamic banking.
Co-Authors Afaf Fitriati Maratus Solihah Mashudi Mashudi Nasrulloh Nasrulloh