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All Journal Dalwa Islamic Economic Studies: Jurnal Ekonomi Syariah Pelita: Jurnal Studi Islam Mahasiswa UII Dalwa
Aprilinda Ummi Cholilah
Universitas Hasyim Asy’ari Tebuireng, Jombang
Religion Humanities Economics, Econometrics & Finance Education Social Sciences Other

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Pengaruh Norma Subjektif dan Risiko Terhadap Minat Penggunaan Byond by BSI Melalui Pengetahuan Prinsip Mashlahah Aprilinda Ummi Cholilah; Imam Sopingi
Pelita: Jurnal Studi Islam Mahasiswa UII Dalwa Vol. 2 No. 2 (2025): May
Publisher : Lembaga Peneltian Universitas Islam Internasional Darullughah Wadda'wah

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.38073/pelita.v2i2.2838

Abstract

Digital technology in the banking sector continues to develop, marked by the presence of services such as Byond by BSI. Hasyim Asy'ari University has collaborated with Bank Syariah Indonesia in paying UKT through virtual accounts. However, most students have not used the Byond by BSI application as their main means of payment. This study aims to explore the impact of subjective norms and risks on students' interest in using the Byond by BSI application, with an understanding of the mashlahah principle as a mediating factor. The research method applied uses a quantitative approach through a survey of 102 active UNHASY students from the 2021–2024 intake, who were selected using the purposive sampling method. Data were obtained through questionnaires and analyzed using outer and inner model testing with PLS 3 software. The results showed that subjective norms and knowledge of the mashlahah principle influenced the interest in using Byond by BSI, while risk did not have a direct effect. However, knowledge of the mashlahah principle was proven to mediate the influence of subjective norms and risks on interest in use. These findings indicate that understanding the mashlahah principle can strengthen social influence and reduce the impact of risk, thereby increasing the use of Byond by BSI.
Efektivitas Digital Marketing Produk Cicil Emas Pada Bank Syariah Indonesia Aprilinda Ummi Cholilah; Peni Haryanti
Dalwa Islamic Economic Studies: Jurnal Ekonomi Syariah Vol. 3 No. 2 (2024): December
Publisher : Program Studi Ekonomi Syariah Institut Agama Islam Darullughah Wadda'wah

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.38073/dies.v3i2.1914

Abstract

Digital marketing is an important element in sharia banking marketing, including gold installment products. This article aims to analyze the effectiveness of the digital marketing strategy for gold installment products at Bank Syariah Indonesia (BSI) KCP Mojokerto Surodinawan. This research uses a qualitative descriptive method with a case study approach. Data was collected through interviews with banks as well as secondary data in the form of relevant literature and annual reports. The research results show that the digital marketing strategies implemented, such as marketing via social media, the BSI Mobile application, educational content, and email marketing, have proven effective in reaching a wider audience, increasing interaction, and optimizing marketing costs. Social media is the main platform for conveying information, while the BSI Mobile application provides easy access for customers. Nevertheless, challenges such as increasing people's digital literacy and industrial competition remain the focus of improvement. It can be concluded that the implementation of innovative and data-based digital marketing strategies plays a significant role in supporting the growth of gold installment products in accordance with sharia principles.
Co-Authors Imam Sopingi Peni Haryanti