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All Journal Budimas : Jurnal Pengabdian Masyarakat Jurnal Ekonomi, Manajemen, Akuntansi
Hirda Prastira
Universitas Yudharta Pasuruan
Religion Humanities Economics, Econometrics & Finance Social Sciences Other

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Pengaruh PSAK No. 102 Terhadap Minat Nasabah Cicilan Emas Di BSI KCP Pandaan A. Yani Hirda Prastira; Alimatul Farida; Muhammad Nizar
EKOMA : Jurnal Ekonomi, Manajemen, Akuntansi Vol. 5 No. 5: Juli 2026
Publisher : CV. Ulil Albab Corp

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.56799/ekoma.v5i5.17384

Abstract

This study aims to analyze the effect of the implementation of PSAK No. 102 on customer interest in gold installment products at BSI KCP Pandaan A. Yani. The background of this research is based on the importance of transparency and accountability in murabahah financing transactions to increase customer trust. The research method used is a quantitative approach with data collection techniques through questionnaires distributed to customers. Data analysis was conducted using validity tests, reliability tests, normality tests, linearity tests, and simple linear regression. The results show that the implementation of PSAK No. 102 has a positive and significant effect on customer interest. This indicates that the better the application of sharia accounting standards, the higher the level of customer trust and interest in gold installment products. These findings emphasize the importance of implementing sharia accounting standards in enhancing the attractiveness of Islamic banking products
sosialisasi prosedur dan manfaat pembiayaan emas bagi Nasabah di Bank Syariah Indonesia KCP Pandaan Pasuruan Hirda Prastira; Wirda Isti'anatuz Zulfa; Lailatul Maslakhah; Afidatu Aininnisa; Sukamto
BUDIMAS : JURNAL PENGABDIAN MASYARAKAT Vol. 8 No. 1 (2026): BUDIMAS : Jurnal Pengabdian Masyarakat
Publisher : LPPM ITB AAS Indonesia Surakarta

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.29040/budimas.v8i1.18664

Abstract

Public literacy regarding Sharia-compliant gold financing products is stillrelatively low, leading to misperceptions regarding the application procedures andbenefits of halal investments at Bank Syariah Indonesia (BSI) Pandaan Branch Office,Pasuruan. This community service activity aims to improve customer and prospectivecustomer understanding of the procedures, contracts, and economic and shariacompliant benefits of gold financing through a participatory and educational approach.The outreach program was conducted in November 2025 in the Pandaan area with thecoordination center at BSI Pandaan Branch Office, involving four implementers: Hirda,Wirda, Fida, and Lail. The implementation method included identifying needs throughinitial interviews, developing simple materials, educational presentations, two-waydiscussions, simulating the application process, distributing brochures, and evaluatingthrough a quick survey. The results of the activity showed a significant increase inparticipant understanding, including an increase in understanding of financingprocedures from 45% to 85%, understanding of benefits from 50% to 88%, and anincrease in interest in applying in the next three months from 35% to 72%. Thesefindings indicate that interactive educational methods based on simulations anddiscussions are effective in increasing literacy, reducing perceived process complexity,and increasing trust in financing products. However, this activity has severallimitations: participants can only be present in the bank area and the evaluation canonly be conducted within a short time. Overall, this program is a strategic effort toincrease knowledge about Islamic finance and halal investment culture in the Pandaancommunity.Keywords: Gold financing, Islamic financial literacy, educational socialization,Bank Syariah Indonesia, halal investment, Pandaan
Co-Authors Afidatu Aininnisa Farida, Alimatul Lailatul Maslakhah Muhammad Nizar Sukamto . Wirda Isti'anatuz Zulfa