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All Journal Studia Economica: Jurnal Ekonomi Islam Proceeding International Conference on Islamic Economics Community Services
Syahriza, Rahmi
Universitas Islam Negeri Sumatera Utara
Religion Humanities Decision Sciences, Operations Research & Management Economics, Econometrics & Finance Education Social Sciences Other

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Analisis Asuransi Produk Pembiayaan Rumah Subsidi Di Pt Bank Sumut Unit Usaha Syariah Ivanka, Meitia; Syahriza, Rahmi
Studia Economica : Jurnal Ekonomi Islam STUDIA ECONOMICA: Jurnal Ekonomi Islam | Vol. 10 | No. 2 | 2024
Publisher : Universitas Islam Negeri Sumatera Utara

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.30821/se.v10i2.20598

Abstract

This study aims to analyze the implementation of insurance in subsidized housing financing products at PT Bank Sumut Unit Usaha Syariah. The need for adequate and affordable housing is one of the basic needs that must be met, and the Indonesian government strives to increase access to homeownership for low-income communities through various housing subsidy programs. An important instrument in subsidized housing financing is the role of financial institutions, including Islamic banks, which provide financing products according to sharia principles. PT Bank Sumut Unit Usaha Syariah offers subsidized housing financing products designed to help low-income communities own homes easily and in accordance with sharia financial principles. This research employs a descriptive qualitative approach using a case study method, with data collected through in-depth interviews with product managers, insurance staff, and customers, as well as observations at the research location and analysis of related documents. The results indicate that insurance in subsidized housing financing products provides protection against credit risk and financial losses for both the bank and customers, increases customer trust, and facilitates the financing process. However, challenges remain, such as customers' low understanding of the benefits of insurance and the perception that the claims process is complicated.
Strategies for Understanding Price Perception to Drive Purchasing Decisions Amzah, Ali; Frizky, Mhd. Habbil; Hutabarat, Dea Ananda Pratama; Syahriza, Rahmi
Proceeding International Conference on Islamic Economics Community Services (ICIECS) Vol 1 (2023): Proceeding International Conference on Islamic Economics Community Services
Publisher : Universitas Islam Negeri Sumatera Utara

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Abstract

Price perception is a crucial factor in consumer decision-making, especially in competitive markets such as coffee shops. This study investigates how price perception influences purchase decisions at Coffee Shop Dubo, utilizing Deep Interviews and Coaching methods. Findings indicate that the shop's previous pricing strategy was perceived as high due to misalignment with consumer expectations. Post-training, the shop implemented more suitable pricing strategies, which improved consumer perceptions of affordability and positively impacted sales. The research underscores the importance of aligning pricing with perceived value and service quality. Effective pricing strategies, combined with high-quality customer service, can enhance price perception and drive customer loyalty. In a competitive coffee shop market, balancing consumer expectations with appropriate pricing is essential for maintaining a strong market position and ensuring long-term business success.
Economic Empowerment of Islamic Boarding Schools: Is It Possible? Yuni, Ika  Darma; Syahriza, Rahmi; Rahma, Tri Inda Fadhila; Sarah, Fitria
Proceeding International Conference on Islamic Economics Community Services (ICIECS) Vol 2 (2024): Proceeding International Conference on Islamic Economics Community Services
Publisher : Universitas Islam Negeri Sumatera Utara

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Abstract

Pesantrens is the oldest educational institutions in Indonesia are developing very quickly and becoming more modern. Attention to Pesantrens is growing in the educational aspect but also in the economic sector. Pesantrens are expected to be independent and empower their potential to increase the economy of Pesantrens and society, including the Al Fauzi Fadilah Amal Foundation Tahfidz Qur'an Pesantren. This research aims to determine and analyze forms of community economic empowerment through Pesantrens. This research is qualitative research. Data of research was carried out by means of observation, interviews and documentation. Data was analyzed by means of triangulation, member check, audit partial, and expert opinion. The results of the research show that Pesantrens have carried out empowerment but have focused more on the education sector, namely by providing free learning opportunities to students who are economically disadvantaged. Meanwhile, in the economic sector, Pesantrens have not yet maximized empowerment due to several factors, namely the age of Pesantrens which are still new, the assets owned by Pesantrens are not yet optimal to finance Pesantren operations, the financing network from Bank Indonesia also cannot be accessed properly, strengthening school web applications is also still not optimal
Co-Authors Amzah, Ali Frizky, Mhd. Habbil Hutabarat, Dea Ananda Pratama Ivanka, Meitia Rahma, Tri Inda Fadhila Sarah, Fitria Yuni, Ika  Darma