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All Journal Al-Kharaj: Jurnal Ekonomi, Keuangan & Bisnis Syariah BAABU AL-ILMI: Ekonomi dan Perbankan Syariah
Khotibul Umam
UNIVERSITAS ISLAM NEGERI MADURA
Religion Agriculture, Biological Sciences & Forestry Decision Sciences, Operations Research & Management Economics, Econometrics & Finance Education Industrial & Manufacturing Engineering Social Sciences Other

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Analisis Manajemen Risiko Operasional pada Produk Tabungan Haji di BPRS Bhakti Sumekar Cabang Madya Pamekasan Musyfiqur Rahman; Khotibul Umam
Jurnal BAABU AL-ILMI: Ekonomi dan Perbankan Syariah Vol 11, No 1 (2026): Islamic economics and banking research
Publisher : Universitas Islam Negeri Fatmawati Sukarno Bengkulu

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.29300/ba.v11i1.9102

Abstract

Hajj savings is an important product in Islamic banking that assists Muslims in financially planning their pilgrimage. This study analyzes the implementation of operational risk management on the hajj savings product at BPRS Bhakti Sumekar Cabang Madya Pamekasan, aiming to identify the supporting factors, obstacles, and its impact on product success. A qualitative method was employed through observation, interviews, and documentation to comprehensively collect primary and secondary data. The analysis shows that effective risk management practices, such as the use of the digital Setrik application and standardized procedures, can minimize operational risks like human errors and fraud. The main supporting factors include quality human resources, adequate technology, and customer loyalty; while the obstacles consist of limited network coverage in remote areas, account officers’ time management, and low technological literacy among elderly customers. The positive impacts of effective risk management include increased customer satisfaction and growth in the hajj savings portfolio, whereas neglecting operational risk may cause financial losses and erosion of customer trust. The study’s implications emphasize strengthening the integration between risk management and business strategies to ensure the sustainability and competitiveness of Islamic banking.
Strategi Bauran Pemasaran dalam Meningkatkan Penghimpunan Dana Deposito di BPRS Sarana Prima Mandiri Kantor Pusat Pamekasan Anisa Fitria; Khotibul Umam
Al-Kharaj: Jurnal Ekonomi, Keuangan & Bisnis Syariah Vol. 8 No. 9 (2026): Al-Kharaj: Jurnal Ekonomi, Keuangan & Bisnis Syariah
Publisher : Intitut Agama Islam Nasional Laa Roiba Bogor

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.47467/alkharaj.v8i9.13132

Abstract

This research is grounded in the crucial role of marketing strategy in driving the growth of mudharabah deposit funds in Islamic financial institutions. The aim of this study is to analyze the implementation of the 7P marketing mix in increasing the collection of mudharabah deposit funds at PT BPRS Sarana Prima Mandiri. The research employs a qualitative approach with a descriptive research design. Data were collected through interviews, observation, and documentation, with the Branch Head, Head of Funding, Customer Service staff, and deposit customers serving as sources of information. The results show that PT BPRS Sarana Prima Mandiri implements a marketing mix strategy through products that comply with sharia principles, a transparent profit-sharing system, both direct and indirect promotion, friendly service, a simple process, and facilities that support customer comfort. Promotional strategies through personal relationship-building (silaturahmi) and direct visits proved to be the most effective in attracting customer interest. Nevertheless, challenges remain, including competition with other financial institutions and fluctuations in profit-sharing rates. Therefore, product innovation and stronger promotional strategies are needed to sustainably increase the collection of mudharabah deposit funds.
Co-Authors Anisa Fitria Musyfiqur Rahman