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All Journal JIEP: Jurnal Ilmu Ekonomi dan Pembangunan Journal of Islamic Banking, Economics and finances (JIBEF)
Damayanti, Niken
Unknown Affiliation
Religion Economics, Econometrics & Finance Social Sciences

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Analisis dan Inovasi dalam Marketing Pembiayaan Pada Produk Griya Hasanah BSI KCP Pekanbaru Arifin Ahmad Damayanti, Niken; Jamilah, Putri
JIEP: Jurnal Ilmu Ekonomi dan Pembangunan Vol. 8 No. 1 (2025)
Publisher : PPJP ULM

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.20527/jiep.v8i1.2138

Abstract

The growth of the financing sector in Indonesia has shown a significant increase, driven by the community's need for financial access for productive consumption and investment. Bank Syariah Indonesia (BSI) through its Griya Hasanah product seeks to meet the need for home ownership with sharia principles. This study uses a qualitative descriptive case study approach, with data obtained from observations and interviews at BSI KCP Pekanbaru Arifin Ahmad. The results of the study indicate that digitalization and changes in consumer behavior affect customer expectations for fast, transparent, and flexible financing services. BSI faces challenges from fintech and digital banks that offer innovative services and competitive costs. Therefore, a more personalized and effective digital-based marketing strategy is needed, as well as the use of big data and artificial intelligence to improve customer experience. In addition, analysis and innovation in the Griya Hasanah product must consider sharia principles and market needs. Recommendations for BSI include the development of a profit and loss sharing financing model to increase competitiveness and provide added value to customers. This study provides insight into the dynamics and challenges in developing sharia financing products in the digital era.
Pengaruh Pinjaman Online Terhadap Perilaku Konsumtif Mahasiswa Perbankan Syariah Kota Pekanbaru Damayanti, Niken; Fitri; M. Syahrullah
Journal of Islamic Banking, Economics and Finance Vol. 2 No. 1 (2025): October 2025
Publisher : EL-EMIR Institute

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Abstract

The development of financial technology (fintech) has introduced online loan services that facilitate access to cash, including among students. While offering convenience and speed of disbursement, online loans have the potential to encourage student consumer behavior, leading to serious financial risks. This study aims to examine the influence of online loan use on the consumer behavior of students in the Islamic Banking Study Program in Pekanbaru City. The method used was quantitative, with a simple random sampling technique involving 81 respondents from a population of 442 students using online loans. Data were collected through a Likert-scale questionnaire and analyzed using simple linear regression analysis and classical assumption tests. The results showed a positive and significant influence of online loan use on student consumer behavior. These findings suggest that the ease of access and short process of online loans encourage students to engage in irrational and wasteful consumer behavior. Therefore, financial literacy education and strict regulations are urgently needed to reduce the risk of problem debt and foster healthy consumption patterns among students.
Co-Authors Fitri Jamilah, Putri M. Syahrullah