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This Author published in this journals
All Journal Al-Kharaj: Journal of Islamic Economic and Business Indonesian Journal of Business and Management
Ahmad Syakir
State Islamic University of North Sumatra
Economics, Econometrics & Finance

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DORMANT ACCOUNT SETTLEMENT STRATEGY IN HANDLING COMPLAINTS AT PT BANK SUMUT SYARIAH BRANCH OFFICE HM YAMIN MEDAN Yuli Andini; Muhammad Lathief Ilhamy Nasution; Ahmad Syakir
Indonesian Journal of Business and Management Vol. 8 No. 2 (2026): Indonesian Journal of Business and Management, Juni 2026
Publisher : Postgraduate Bosowa University Publishing

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.35965/jbm.v8i2.8835

Abstract

Dormant accounts represent an important challenge in Islamic banking because they indicate declining customer transaction activity, reduced engagement, and potential decreases in customer loyalty. This study aims to analyze the dormant account settlement strategy implemented by PT Bank Sumut Syariah KCP HM Yamin Medan and examine its relationship with service quality and customer complaint handling. The study employed a qualitative approach with a descriptive research design. Data were collected through interviews, observations, and documentation, and analyzed using the Unified Theory of Acceptance and Use of Technology (UTAUT) and SWOT analysis. The findings reveal that from April 2025 to February 2026, there were 159 dormant accounts, primarily caused by low transaction intensity, changing customer preferences, limited access to banking facilities, and increasing competition among banking institutions. The bank has implemented a structured settlement strategy through automatic account categorization, customer verification, and account reactivation procedures based on prudential banking principles. However, the existing approach remains largely administrative and has not fully addressed the underlying behavioral and service-related factors contributing to account inactivity. The study further indicates that dormant accounts are closely associated with customer satisfaction, service quality, and relationship management. Therefore, Islamic banks need to adopt a more proactive strategy by strengthening customer communication, optimizing digital banking services, and enhancing customer engagement programs. These efforts are expected to reduce the growth of dormant accounts, improve customer loyalty, and support the sustainability of third-party funds in Islamic banking institutions.
E-Digital Transactions From An Islamic Economic Perspective Among Students of The Faculty of Islamic Economics And Business, North Sumatra State Islamic University Muhammad Zikri Alshaufi; Ahmad Syakir; Nurul Inayah
Al-Kharaj: Journal of Islamic Economic and Business Vol. 7 No. 4 (2025): All articles in this issue include authors from 3 countries of origin (Indonesi
Publisher : LP2M IAIN Palopo

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.24256/kharaj.v7i4.8321

Abstract

The phenomenon of game top-up transactions among students is part of the rapidly growing digital economy in the modern era. This study aims to determine the behavior of students at the Faculty of Economics and Islamic Business at UIN North Sumatra in conducting game top-up transactions and to assess their compliance with Islamic economic principles. The method used is a descriptive qualitative approach with data collection through interviews, observations, and documentation of active students who regularly conduct game top-ups. The results of the study show that most students make game top-ups as a form of entertainment and fulfillment of digital recreational needs, but there is still a lack of awareness of sharia principles such as prudence in spending, the prohibition of tabdzir (wastefulness), and the urgency of ensuring that transactions are free from elements of gharar and maisir. This study recommends the importance of strengthening Islamic economic literacy among students so that they can be selective and wise in utilizing digital technology in accordance with sharia values.
Co-Authors Muhammad Lathief Ilhamy Nasution Muhammad Zikri Alshaufi Nurul Inayah Yuli Andini