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All Journal Journal of Natural Sciences and Mathematics Research Jurnal Ilmiah Manajemen Kesatuan Jurnal Mediasosian : Jurnal Ilmu Sosial dan Administrasi Negara El-Iqtishady Iqtishaduna : Jurnal Ilmiah Mahasiswa Hukum Ekonomi Syariah Indonesian Journal of Islamic History and Culture Al-Ihda' : Jurnal Pendidikan dan Pemikiran Journal of Accounting and Business NAJAHA IQTISHOD : Journal of Islamic Economic and Finance Al-Qalam: Jurnal Ilmiah Pendidikan Islam DELIMA: Jurnal Kajian Kebidanan Journal Delik Adpertisi Journal of Accounting and Business Journal of Islamic Economic and Law (JIEL) Jurnal of Islamic Economic Studies
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Journal : El-Iqtishady

 1 
ANALISIS KEPUTUSAN NASABAH MEMILIH AKAD WADIAH DI BANK SYARIAH INDONESIA (STUDI BSI KCP JAMBI SIPIN BAKARUDDIN) Dendy Nurrokhim; Rafiqi; Arfah; Ridhwan
El-Iqthisadi Vol 7 No 2 (2025): Desember
Publisher : Jurusan Hukum Ekonomi Syariah Fakultas Syariah dan Hukum Uin Alauddin Makassar

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.24252/el-iqthisady.v7i2.62025

Abstract

Abstrak Penelitian ini bertujuan menganalisis faktor internal dan eksternal yang memengaruhi keputusan nasabah memilih tabungan akad Wadiah di BSI KCP Jambi Sipin Bakaruddin, mengidentifikasi tantangan yang dihadapi bank, serta merumuskan strategi peningkatan minat nasabah dengan analisis SWOT. Penelitian menggunakan pendekatan kualitatif melalui wawancara dengan nasabah dan pihak BSI serta studi literatur. Hasil penelitian menunjukkan bahwa produk Wadiah diminati karena bebas biaya administrasi, aman, dan sesuai prinsip syariah. Tantangan internal relatif tidak ditemukan, sedangkan tantangan eksternal berasal dari kondisi ekonomi dan persaingan dengan bank konvensional serta platform digital. Strategi yang disarankan meliputi peningkatan edukasi literasi keuangan, promosi digital, dan program hadiah untuk menarik minat masyarakat. Kata Kunci: Akad Wadiah, BSI,  Keputusan Nasabah, Strategi Pemasaran, SWOT   Abstract This study aims to analyze the internal and external factors influencing customers’ decisions to choose Wadiah savings accounts at BSI KCP Jambi Sipin Bakaruddin, identify the challenges faced by the bank, and formulate strategies to increase customer interest using SWOT analysis. The research employed a qualitative approach through interviews with customers and BSI staff as well as a review of relevant literature. The results indicate that Wadiah savings are preferred because they are free of administrative fees, secure, and compliant with Sharia principles. Internal challenges were not identified, while external challenges include economic conditions and competition from conventional banks and digital platforms. Recommended strategies include improving financial literacy education, enhancing digital promotion, and providing reward programs to attract potential customers. Keywords: BSI, Customer Decision, Marketing Strategy, SWOT Analysis, Wadiah Contract
ANALISIS PENGARUH KEMUDAHAN PENGGUNAAN, PERSEPSI MANFAAT DAN KEAMANAN TERHADAP NASABAH MUARA BULIAN MENGGUNAKAN BSI MOBILE M. Nasrulloh; Rafiqi; Arfah; Ridhwan
El-Iqthisadi Vol 7 No 2 (2025): Desember
Publisher : Jurusan Hukum Ekonomi Syariah Fakultas Syariah dan Hukum Uin Alauddin Makassar

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.24252/el-iqthisady.v7i2.62026

Abstract

Abstrak Penelitian ini bertujuan untuk menganalisis pengaruh kemudahan penggunaan, persepsi manfaat, dan keamanan terhadap keputusan nasabah dalam menggunakan layanan BSI Mobile pada BSI KCP Muara Bulian. Layanan perbankan digital menjadi solusi utama dalam memenuhi kebutuhan transaksi finansial nasabah yang cepat, efisien, dan aman. Penelitian ini menggunakan metode kuantitatif dengan pendekatan survei. Data diperoleh melalui penyebaran kuesioner kepada 95 responden yang merupakan nasabah pengguna BSI Mobile di BSI KCP Muara Bulian. Analisis data dilakukan dengan metode regresi linier berganda menggunakan software SPSS. Hasil penelitian menunjukkan bahwa secara parsial kemudahan penggunaan (X1) tidak berpengaruh signifikan terhadap keputusan nasabah menggunakan BSI Mobile, persepsi manfaat (X2) berpengaruh signifikan terhadap keputusan nasabah menggunakan BSI Mobile, dan keamanan (X3) tidak berpengaruh signifikan terhadap keputusan nasabah dalam menggunakan BSI Mobile. Secara simultan kemudahan penggunaan, persepsi manfaat dan keamanan berpengaruh terhadap keputusan nasabah menggunakan BSI Mobile. Kata kunci: Kemudahan Penggunaan, Persepsi Manfaat, Keamanan, Keputusan Nasabah, BSI Mobile   Abstract This research aims to analyze the influence of ease of use, perceived benefits, and security on customers' decisions in using BSI Mobile services at BSI KCP Muara Bulian. Digital banking services are the main solution in meeting customers' financial transaction needs that are fast, efficient and safe. This research uses quantitative methods with a survey approach. Data was obtained by distributing questionnaires to 95 respondents who were BSI Mobile customers at BSI KCP Muara Bulian. Data analysis was carried out using the multiple linear regression method using SPSS software. The research results show that partially ease of use (X1) has no significant effect on customers' decisions to use BSI Mobile, perceived benefits (X2) has a significant effect on customers' decisions to use BSI Mobile, and security (X3) has no significant effect on customers' decisions to use BSI Mobile. Simultaneously, ease of use, perceived benefits and security influence customers' decisions to use BSI Mobile. Keywords: Ease of Use, Perceived Benefits, Security, Customer Decisions, BSI Mobile.
PEMBERDAYAAN INDUSTRI KREATIF LOKAL MELALUI INOVASI ARTIFICIAL INTELLIGENCE (AI) DAN DIGITAL MARKETING BERBASIS EKONOMI ISLAM UNTUK MENINGKATKAN KESEJAHTERAAN KOMUNITAS UMKM Ary Dean Amri; Arfah; Dian Mala Fithriani Aira; Widya Sari Wendry; Sisilia Putri Ningsi
El-Iqthisadi Vol 7 No 2 (2025): Desember
Publisher : Jurusan Hukum Ekonomi Syariah Fakultas Syariah dan Hukum Uin Alauddin Makassar

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.24252/el-iqthisady.v7i2.63092

Abstract

Abstrak Pemberdayaan industri kreatif lokal melalui inovasi artificial intelligence (AI) melalui unit usaha mikro di bidang sablon dan bordir di jl. Marsda abdurahman saleh rt.11 paal merah, jambi selatan, kota jambi, bertujuan mendorong pelaku umkm untuk mengadopsi teknologi ai dalam operasional dan dapat mendukukung efisiensi produksi, membantu personalisasi desain, serta meningkatkan pemahaman pelaku umkm dalam digital marketing termasuk manajemen media sosial, content strategy dan penggunaan e-commerce untuk memperluas pasar. Hasilnya, mitra mampu menghasilkan 10 desain produk dengan ai, terwujudnya sistem pencatatan keuangan digital serta mitra mampu memahami dan mengaplikasikan 3 prinsip ekonomi islam dalam usahanya. Hal ini menunjukkan bahwa pelatihan penggunaan artificial intelligence (AI) terhadap mitra umkm menghasilkan dampak yang cukup memuaskan.   Kata Kunci: Industri Kreatif Lokal, Ekonomi Islam, UMKM,  AI, Kota Jambi   Abstract Empowering the local creative industry through artificial intelligence (AI) innovation through a micro-business unit specializing in screen printing and embroidery on Jl. Marsda Abdurahman Saleh RT. 11 Paal Merah, South Jambi, Jambi City, aims to encourage MSMEs to adopt AI technology in their operations. This technology can support production efficiency, assist with design personalization, and enhance MSMEs' understanding of digital marketing, including social media management, content strategy, and the use of e-commerce to expand their market. As a result, partners were able to produce 10 product designs using AI, a digital financial recording system was established, and partners were able to understand and apply three principles of Islamic economics in their businesses. This demonstrates that training in the use of artificial intelligence (AI) for MSME partners has had a quite satisfactory impact. Keywords: Local Creative Industry, Islamic Economy, MSMEs, AI, Jambi City
Co-Authors Andrianto, Aan Anjelina, Dea Ary Dean Amri Budi Rianto Cristian Wiradendi Darmin Dina Dendy Nurrokhim Dian mala Fithriani Aira Fairus, Imam Fitriana Julia Puspita Liana Fajarwati Lucky Enggrani Fitri M. Nasrulloh Maharani, Dita Moeheriono Nurhaida, . Nurhasanah Payung, Otniel Pidola, Viras Alti Rafiqi Ridhwan Riska Wahyuni Setya Prihatiningtyas Sisilia Putri Ningsi Sri Umiyati, Sri Sukmawati Sulfakar Sulistiyanto Widya Sari Wendry Yulia Febriyati Yulia Febriyati