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All Journal Neraca Keuangan : Jurnal Ilmiah Akuntansi dan Keuangan
Rahma, Aini
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Economics, Econometrics & Finance

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Marketing Strategy Product Financing of PT. Bank Sumut KCP Syari’ah Simpang Kayu Besar Rahma, Aini; Lubis, Irsad
Neraca Keuangan : Jurnal Ilmiah Akuntansi dan Keuangan Vol. 20 No. 1 (2025): APRIL
Publisher : Fakultas Ekonomi dan Bisnis Universitas Ibn Khaldun Bogor

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.32832/neraca.v20i1.18046

Abstract

Each Islamic bank has a variety of products offered to suit the wishes of the people. In offering its products, there is competition between Islamic banks and conventional banks, resulting in the need for a strategy in the sales of each bank. Sales are often identified with a world full of sweet promises but it is not necessarily proven whether the product is in accordance with what has been promised. This is what must be proven in good Islamic sales management in the sale of goods or services, that Islamic marketing is not a world full of deception. Because Islamic marketing is the highest level in sales, namely marketing spirituality, where ethics, values and norms are highly respected. Research results show that marketing strategy product financing in this bank focus on education public about superiority product financing sharia- based, increasing personal relationship with Customer through customer relationship management (CRM) approach. In analyzing research data using qualitative descriptive methods, only describing the results of the questions interview with management of Bank Sumut KCP Syariah Simpang Kayu Besar, observation direct, and study document related.. This research is motivated by the growth of Islamic banks that positively share participation in economic stability, but in practice there are criticisms. Likewise, scholars and religious scholars have different opinions regarding the role and position of Islamic banks, some of them think that Islamic banks are similar to conventional banks. The results of the research prove that the implementation of financing product sales at PT. Bank Sumut Kcp Syari'ah Simpang Kayu Besar.
Human Resource Management (HR) to Customers in Bank Syariah Mandiri Syafii, M.; Rahma, Aini
Neraca Keuangan : Jurnal Ilmiah Akuntansi dan Keuangan Vol. 20 No. 1 (2025): APRIL
Publisher : Fakultas Ekonomi dan Bisnis Universitas Ibn Khaldun Bogor

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.32832/neraca.v20i1.18080

Abstract

Islamic banks in Indonesia have experienced good development in terms of assets, number of offices, number of customers, and the market share of Islamic banks has exceeded 5 percent. The development of Islamic banking is not accompanied by a sufficiently good human resource base in terms of quantity and quality. The source of human energy is still a difficult problem for Islamic banks. In the 2015-2019 Islamic banking roadmap issued as a financial service sovereign, the problem of people's resources becomes a matter that must be resolved. A pattern of human resources management is needed that can produce quality human resources for Islamic banks. This note is descriptive qualitative in nature which seeks to describe the development of quality human resources for Islamic banks. This note proves that there was a development of human resources in Islamic banks in the period 2015 September to September 2019 experiencing large and efficient developments, with the current overall HR of Islamic banks. The pattern of management of Islamic sources of energy is important for the availability of good quality Islamic banking human resources compatible with experts in the field of Islamic banking. Management of Islamic human resource base is able to fulfill human resources who understand economics and sharia economics. Islamic resource management that is relevant to the current situation of Islamic bank HR is Celestial Management. Which consists of ZIKR, PIKR, and MIKR.
Co-Authors Irsad Lubis Syafii, M.