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All Journal Al Qalam: Jurnal Ilmiah Keagamaan dan Kemasyarakatan Danadyaksa: Post Modern Economy Journal
Rifa’atul Maftuhah
Universitas Muhammadiyah Surabaya, Surabaya, Indonesia
Decision Sciences, Operations Research & Management Economics, Econometrics & Finance Social Sciences

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Gold Pawn Marketing Strategy to Increase the Number of Customers at Bank Syariah Indonesia KCP Rungkut 1 Intan Permatasari; Rifa’atul Maftuhah; Fatkur Huda
Al Qalam: Jurnal Ilmiah Keagamaan dan Kemasyarakatan Vol. 20, No. 1 : Al Qalam (January 2026)
Publisher : Sekolah Tinggi Ilmu Al-Qur'an (STIQ) Amuntai Kalimantan Selatan

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.35931/aq.v20i1.6166

Abstract

This study aims to analyze the marketing strategy of the gold pawning product (rahn) at BSI KCP Rungkut 1 and its impact on the increase in the number of customers. Using a qualitative approach with a case study method, data were collected through interviews with internal bank representatives. The research findings indicate that the marketing strategies implemented encompass the 7Ps of marketing: a sharia-based product, competitive pricing without interest, active promotion through social media and direct visits to markets ("market raids"), as well as fast, transparent services guided by the AKHLAK values. These strategies have successfully attracted new customers, particularly from the MSME sector and housewives. The number of customers increased from 300 in 2023 to 425 in 2024. This proves that an effective marketing strategy, based on community engagement and sharia principles, can enhance customer trust and loyalty toward the gold pawning product.
The The Effect of Work-Life Balance and Financial Compensation on Job Satisfaction Mediated by Locus of Control at Bank Muamalat Surabaya Anis Fitriyanti; Rifa’atul Maftuhah; Haqiqi Rafsanjani
Danadyaksa: Post Modern Economy Journal Vol. 4 No. 1 (2026): Post Modern Economy Journal
Publisher : Yayasan Pendidikan Islam Bustanul Ulum Mojokerto

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Abstract

Job satisfaction is an important aspect of human resource management that influences employee performance and loyalty. This study aimed to analyze the effect of work–life balance and financial compensation on job satisfaction, with locus of control serving as a mediating variable among employees of Bank Muamalat Surabaya. The study employed a quantitative approach using an explanatory research method. Data were collected from employees of Bank Muamalat Surabaya, with 138 respondents selected using a purposive sampling technique. Data were gathered through a Likert-scale questionnaire and analyzed using Partial Least Squares Structural Equation Modeling (PLS-SEM) with the assistance of SmartPLS software. The results showed that work–life balance and locus of control had a positive and significant effect on job satisfaction, whereas financial compensation had no significant effect. Locus of control was also found to mediate the effect of work–life balance on job satisfaction but did not mediate the effect of financial compensation. These findings indicate that employee job satisfaction is influenced more by work–life balance and psychological factors than by financial factors.
Co-Authors Anis Fitriyanti Fatkur Huda Haqiqi Rafsanjani Intan Permatasari