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Journal : Jurnal Akutansi Manajemen Ekonomi Kewirausahaan (JAMEK)

Strategi Penanganan Pembiayaan Bermasalah di BWM Syubbanul Wathon Maslahah Indahsari, Sutriyana; Fitriyani, Yeny; Purwanto, Purwanto
Jurnal Akutansi Manajemen Ekonomi Kewirausahaan (JAMEK) Vol 4 No 1 (2024): Edisi Januari 2024
Publisher : Forum Kerjasama Pendidikan Tinggi

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.47065/jamek.v4i1.1167

Abstract

Handling problematic financing is an important aspect of maintaining the stability and sustainability of Sharia microfinance institutions. This research was conducted to analyze the strategy for managing complex funding implemented by the Syubbanul Wathon Maslahah Micro Waqf Bank. This type of qualitative research was used in this research. Research data was collected through in-depth interviews, observation and documentation. Data analysis was carried out using an interactive model, which involved data reduction activities, data presentation, and conclusion. The research results present information that reveals two approaches adopted by the Syubbanul Wathon Maslahah Micro Waqf Bank in dealing with financing problems. In situations where the death of a customer causes financing problems, the bank applies policies that are consistent with the careful aa principle. In this case, the customer's remaining arrears are considered paid, meaning that the benevolent loan can be considered fulfilled. This approach reflects the bank's commitment to ethical and human values, where financial policies are not only believed in terms of formalities but also pay attention to social and humanitarian aspects. On the other hand, when financing problems are caused by the customer's inability to repay the financing, Syubbanul Wathon Maslahah Micro Waqf Bank implements a series of strategies. A personal approach is prioritized, with the bank seeking to understand in depth the causes of customer incompetence.
Analisis Strategi Pemasaran Produk Cicil Emas di Bank Syariah Indonesia KCP Magelang Gatot Soebroto Azizah, Anisatul; Fitriyani, Yeny; Purwanto, Purwanto
Jurnal Akutansi Manajemen Ekonomi Kewirausahaan (JAMEK) Vol 3 No 3 (2023): Edisi September 2023
Publisher : Forum Kerjasama Pendidikan Tinggi

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.47065/jamek.v3i3.1182

Abstract

The research aims to learn more deeply about the marketing strategies carried out by the Indonesian Sharia bank KCP Magelang Gatot Soebroto in marketing Cicil Emas products to the public. The research method used in this research is field research with qualitative methods. The data sources used are primary data from interviews and secondary data from previous research documents. Data collection techniques use interviews, observation and documentation methods. The research results show that the marketing strategy using the 7P marketing mix, namely product, price, place, promotion, people, physical evidence and process for financing the Gold Installment investment, is good. It's just that there needs to be re-optimization of the strategies that have been implemented at Bank Syariah Indonesia KCP Magelang Gatot Soebroto, such as socialization and utilizing available social media such as webinars or interesting video content so that the marketing reach is more comprehensive and increases public understanding of Cicil Emas products.
Co-Authors Abdul Rosyid Achmad Nur Alfianto AFIFAH, UMI Afriadi, Fiqih Afridatul Fikriyah Ahmad Efendi Efendi Ahmad Fauzan Al Ayubi, Muhammad Haris Alfianto, Achmad Nur Alfiyanto, Achmad Nur Ali Rochmat Alif sofian Ambarwati Anam, Rizqy Khairul Anisatul Azizah, Anisatul Ash Shidiqie, Jannahar Saddam Assodiqoh, Nur Ma'rifah Ayyusuf, Imanul Achmad Al Amir Damar Irsyad Ustadz Datu Mussolini Sinsuat Lidasan Dewi, Tri Rachma Fadilla, Nurlita Dewi Fadli, M. Robit Nailal Febriyanti, Aprillyana Fikriyah, Afridatul Fitriani, Wulan Halipah Halipah Heri Sudarsono Herliana Rizki Yati Hidayat, Trian Hidayat, Yahya Nur Ihsan Rafifalah Ikawati, Retty Indahsari, Sutriyana Istikharoh, Maya Jannah, Vina Roudhotul Jinggo Aldino Labib, Achmad Lia Nur Cahyani Lidasan, Datu Mussolini Sinsuat Lidasan, Mussolini Sinsuat Lidasan, Mussollini Sinsuat M Pudail Maemunah Mariana Ratih Ratnani Maryono . Maufur, Miqdam Milna Wafirah Muhammad Alif Muzakki Muhammad Rifki Mustika Noor Mifrahi, Mustika Noor Muzakki, Muhammad Alif Mu’awanah, Annisa Siti Nasiroh, Fandilatun Natiq Al Aksar Nugrohowati, Rindang Nuri Isnaini Nur Alfianto, Achmad Nur Rochmah, Eva Pambudi, Fajar Priyonggo Suseno Pudail, M. Pudail, M. Pudail, Muhammad Purwanto Purwanto Purwanto Purwanto, Purwanto Qurotul Aini Qurotul Aini Qurrata A’yun, Azkiya Qurrotul Aini Rafifalah, Ihsan Rahmaan, Dimas Anjanii Rahmawati Lewo Ramadani, M. Kevin Rifa'i, Fuad Yanuar Akhmad Rifai, Fuad Yanuar Akhmad Risydiyani, Wilda Rizqi Istiqomah Rochison, Muhammad Rohmat, Ali Satrio Arif Wicaksono Shofa Robbi, Imam arsya Siti Nur Aini, Siti Nur Siti Nur Azizah sofian, Alif Sofyana, Sonia Tajun Yuhsinun Tri Mulyani Tumewang, Yunice Karina Ula, Himmatul Wahyu Achmad Pamuji Widiyawati, Ema Nurkholisa