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All Journal Majapahit Journal of Islamic Finance dan Management Majapahit Journal of Islamic Finance dan Management
Budi Harianto
Universitas Islam Negeri Sumatera Utara, Medan, Indonesia
Decision Sciences, Operations Research & Management Economics, Econometrics & Finance

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Product Excellence in Islamic Financing at Bank Pembiayaan ‎Rakyat Syariah (BPRS) Al-Washliyah Medan Sarah Sabila; Rahmi Syahriza; Budi Harianto
Majapahit Journal of Islamic Finance and Management Vol. 5 No. 4 (2025): Islamic Finance and Management
Publisher : Universitas KH. Abdul Chalim Mojokerto

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.31538/mjifm.v5i4.619

Abstract

The growth of Islamic banking in Indonesia has encouraged the emergence of various ‎financing products with competitive advantages compared to conventional banking. ‎One such example is the Bank Pembiayaan Rakyat Syariah (BPRS) Al-Washliyah Medan, ‎which offers a wide range of products based on Islamic contractual principles (akad ‎syariah). This research stems from the need to understand the distinctive advantages of ‎Islamic financing products offered by the bank and to assess the factors influencing ‎customers’ preferences for specific products. The study employs a qualitative method ‎with a field research approach. Primary data were obtained through interviews with ‎BPRS Al-Washliyah Medan employees, while secondary data were collected from ‎supporting documents and relevant literature. The aim of this study is to analyze the ‎strengths of Islamic financing products at BPRS Al-Washliyah Medan—particularly ‎those based on contracts such as murabahah, mudharabah, musyarakah, ijarah, qardh, ‎salam, and istisna—and to explore the factors shaping customer preferences for these ‎products. The findings reveal that murabahah is the most preferred product due to its ‎installment certainty and simple procedures, while other products such as mudharabah ‎and musyarakah are perceived as more complex. Flexibility, transparency, and spiritual ‎value grounded in Islamic principles have been proven to enhance customer trust. The ‎contribution of this research lies in providing insights for Islamic banking practitioners ‎in developing product strategies and serving as an academic reference to strengthen ‎the literature on customer preferences for Islamic financing products at the local level.‎
Product Excellence in Islamic Financing at Bank Pembiayaan ‎Rakyat Syariah (BPRS) Al-Washliyah Medan Sarah Sabila; Rahmi Syahriza; Budi Harianto
Majapahit Journal of Islamic Finance and Management Vol. 5 No. 4 (2025): Islamic Finance and Management
Publisher : Universitas KH. Abdul Chalim Mojokerto

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.31538/mjifm.v5i4.619

Abstract

The growth of Islamic banking in Indonesia has encouraged the emergence of various ‎financing products with competitive advantages compared to conventional banking. ‎One such example is the Bank Pembiayaan Rakyat Syariah (BPRS) Al-Washliyah Medan, ‎which offers a wide range of products based on Islamic contractual principles (akad ‎syariah). This research stems from the need to understand the distinctive advantages of ‎Islamic financing products offered by the bank and to assess the factors influencing ‎customers’ preferences for specific products. The study employs a qualitative method ‎with a field research approach. Primary data were obtained through interviews with ‎BPRS Al-Washliyah Medan employees, while secondary data were collected from ‎supporting documents and relevant literature. The aim of this study is to analyze the ‎strengths of Islamic financing products at BPRS Al-Washliyah Medan—particularly ‎those based on contracts such as murabahah, mudharabah, musyarakah, ijarah, qardh, ‎salam, and istisna—and to explore the factors shaping customer preferences for these ‎products. The findings reveal that murabahah is the most preferred product due to its ‎installment certainty and simple procedures, while other products such as mudharabah ‎and musyarakah are perceived as more complex. Flexibility, transparency, and spiritual ‎value grounded in Islamic principles have been proven to enhance customer trust. The ‎contribution of this research lies in providing insights for Islamic banking practitioners ‎in developing product strategies and serving as an academic reference to strengthen ‎the literature on customer preferences for Islamic financing products at the local level.‎
Co-Authors Rahmi Syahriza Sarah Sabila