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All Journal JURNAL MANAJEMEN BISNIS Jurnal Informatika Ekonomi Bisnis Al-Kharaj: Journal of Islamic Economic and Business Jurnal Alwatzikhoebillah : Kajian Islam, Pendidikan, Ekonomi, Humaniora Jurnal Ekonomi Efektif INTERNATIONAL JOURNAL OF CULTURAL AND SOCIAL SCIENCE Indonesian Journal of Innovation Studies Jurnal Informatika Ekonomi Bisnis Al-Kharaj: Jurnal Ekonomi, Keuangan & Bisnis Syariah Islamic Economics and finance in Focus (IEFF) Journal of Sharia Business Management AT-TAKLIM: Jurnal Pendidikan Multidisiplin
Kusmilawaty
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Religion Agriculture, Biological Sciences & Forestry Humanities Computer Science & IT Decision Sciences, Operations Research & Management Economics, Econometrics & Finance Education Engineering Environmental Science Industrial & Manufacturing Engineering Languange, Linguistic, Communication & Media Law, Crime, Criminology & Criminal Justice Library & Information Science Social Sciences Other

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Analisis Penerapan Marketing Mix dalam Pemasaran Tabungan Haji di BSI KCP AH Nasution Aula Salsabila; Nurul Inayah; Kusmilawaty
Jurnal Alwatzikhoebillah : Kajian Islam, Pendidikan, Ekonomi, Humaniora Vol. 11 No. 2 (2025): Jurnal Alwatzikhoebillah : Kajian Islam, Pendidikan, Ekonomi, Humaniora
Publisher : Institut Agama Islam Sultan Muhammad Syafiuddin Sambas

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.37567/alwatzikhoebillah.v11i2.4463

Abstract

This study analyzes the implementation of the marketing mix strategy (product, price, place, and promotion) in marketing Hajj Savings at Bank Syariah Indonesia (BSI) KCP AH Nasution and identifies the company’s strategic position using SWOT analysis. A qualitative descriptive approach was employed, with data obtained through observations, interviews, and documentation. The findings indicate that although all four elements of the marketing mix have been applied, their implementation has not yet been fully effective in meeting account-opening targets. Key product advantages—such as integration with the SISKOHAT system, funds guaranteed by BPKH, and digital access through BSI Mobile—have not been optimally communicated to prospective customers. Major challenges include perceptions of high costs, limited digital literacy, and promotional activities that are not sufficiently targeted. The SWOT analysis places BSI KCP AH Nasution in Quadrant I, indicating an aggressive strategic position in which internal strengths can be leveraged to capture external opportunities. Recommended strategies include strengthening educational promotions, expanding service outreach, enhancing digital features, building partnerships with religious institutions and communities, and developing loyalty programs for consistent savers.
The Effect of Financial Awareness and Hedonistic Lifestyle on The Debt-Taking Behavior of Uinsu Students Through Peer-To-Peer (P2p) Lending Platforms Siti Ghadizah Nur Sitorus; Kusmilawaty; Muhammad Lathief Ilhamy Nasution
Al-Kharaj: Journal of Islamic Economic and Business Vol. 8 No. 3 (2026): All articles in this issue include authors from 3 countries of origin (Indonesi
Publisher : LP2M IAIN Palopo

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.24256/kharaj.v8i3.12422

Abstract

This study seeks to examine the impact of financial literacy and a hedonistic lifestyle on the borrowing behavior of UINSU students through Peer-to-Peer (P2P) lending platforms. A quantitative research approach was applied, involving students from the Faculty of Islamic Economics and Business (FEBI) at UINSU who had utilized P2P lending services, selected using purposive sampling. Data were gathered through a Likert-scale questionnaire and analyzed using multiple linear regression with SPSS 25. The findings reveal that financial literacy, when examined individually, does not significantly influence borrowing behavior, while a hedonistic lifestyle has a positive and significant influence on borrowing behavior. These findings indicate that a hedonistic lifestyle is a dominant factor in driving students’ debt taking behavior through P2P lending platforms; therefore, strengthening financial literacy and self control is necessary to minimize the risk of consumer debt among students
An Analysis of the Factors Influencing the Public’s Decision to Enroll in the BPJS Health Program from an Islamic Economics Perspective in the City of Medan Putri, Salsabila; Lubis, Fauzi Arif; Kusmilawaty
Islamic Economics and finance in Focus Vol. 5 No. 3 (2026)
Publisher : Fakultas Ekonomi dan Bisnis Universitas Brawijaya

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.21776/ieff.2026.05.3.16

Abstract

This study aims to analyze the influence of knowledge level (literacy), perceptions of service quality and benefits, and economic factors (income) on the decision of the public to become participants in the BPJS Kesehatan program in Medan from an Islamic economics perspective. The study employs a quantitative approach with an explanatory design. The sample consisted of 100 respondents, determined using the Slovin formula. Primary data were collected via a questionnaire using a five-point Likert scale and analyzed using SPSS through validity and reliability tests, classical assumptions, multiple linear regression, t-tests, F-tests, and the coefficient of determination (R²). The results indicate that the level of knowledge, perceptions of service quality and benefits, and economic factors have a positive and significant influence on the public’s decision to enroll in BPJS Health, both partially and simultaneously. Economic factors are the variables with the relatively greatest influence. An R² value of 0.838 indicates that 83.8% of the variation in the public’s decision can be explained by these three variables. From an Islamic economics perspective, the decision to become a BPJS Kesehatan participant can be linked to the principles of public interest, protection of wealth, justice, and mutual aid in facing health risks.
Co-Authors Ani Siregar, Tuti Fitri Arifin Fauzi Lubis Aula Salsabila Bi Rahmani, Nur Ahmadi Fahdhila, Tri Inda Harahap, Khansa Amira Kamilah Khairani, Devia Astry Laylan Syafina Muhammad Lathief Ilhamy Nasution Nasution, M.Fuad Munawirsyah NUR AHMADI BI RAHMANI Nuri Aslami Nursantri Yantri Nurul Inayah Putri Rahmaini Suheri Putri, Salsabila Rizti, Muthia Siti Ghadizah Nur Sitorus SRI RAHAYU Zuhra Nahda