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All Journal Jurnal Masharif al-Syariah: Jurnal Ekonomi dan Perbankan Syariah JOURNAL SCIENTIFIC OF MANDALIKA (JSM)
Ahmad Fadhli
Unknown Affiliation
Humanities Economics, Econometrics & Finance Languange, Linguistic, Communication & Media Social Sciences Other

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The Effect of Mass ommunication on Individuals (Study of the theory of One Step Flow, Two Steps Flow Multi Steps Flow) Ahmad Fadhli
Journal Scientific of Mandalika (JSM) e-ISSN 2745-5955 | p-ISSN 2809-0543 Vol. 6 No. 11 (2025)
Publisher : Institut Penelitian dan Pengembangan Mandalika Indonesia (IP2MI)

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.36312/10.36312/vol6iss11pp4210-4218

Abstract

Communication is an interaction activity between one or more with others, the communication process can take place between one direction, two directions and multi directions, along with the development of technology and information science, mass media which currently continues to develop, so that the term mass communication appears which uses mass media as a means of communication, theories in communication science are numerous, including the theory of One Step Flow, Two Steps Flow and Multi Steps Flow. This research focuses on the effect of mass communication on individuals (study of One Step Flow, Two Steps Flow and Multi Steps Flow theories) with a qualitative analysis research model, with literature data sources both through books, journals and others, as well as direct observation in the midst of social life in the development of the media, from the studies conducted, At least it can be concluded that mass communication in general, both one step flow, two steps flow and multi steps flow, does not have a significant effect on the current era, gradually decreasing in its influence, but mass communication can be influenced by the role of opinion leaders and also the conditions and needs of the community for information
Peran Produk Bank Syariah dalam Meningkatkan Inklusi Keuangan Masyarakat: Studi kasus pada Bank Syariah Indonesia (BSI) KCP Panyabungan Ahmad fadhli; Jureid; Novi yanti safitri pulungan; Rina sari; Kholidatun Napisah
Jurnal Masharif al-Syariah: Jurnal Ekonomi dan Perbankan Syariah Vol 11 No 1 (2026)
Publisher : Universitas Muhammadiyah Surabaya

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.30651/jms.v11i1.29464

Abstract

Penelitian ini menganalisis peran produk Bank Syariah Indonesia (BSI) dalam mendorong inklusi keuangan melalui pendanaan, pembiayaan, dan layanan jasa. Menggunakan metode deskriptif kualitatif berbasis data sekunder dari BSI, OJK, Bank Indonesia, serta publikasi ilmiah periode 2023–2025, studi ini menilai kontribusi BSI pada perluasan akses keuangan syariah. Temuan menunjukkan bahwa peningkatan Dana Pihak Ketiga, perluasan pembiayaan UMKM, dan optimalisasi layanan digital seperti BSI Mobile berperan signifikan dalam mempermudah akses layanan keuangan. Namun, di Panyabungan, perkembangan tersebut masih terkendala oleh rendahnya literasi keuangan syariah dan keterbatasan infrastruktur digital, sehingga pemanfaatan produk belum merata. Keterbatasan data cabang menyebabkan analisis mengacu pada data nasional sebagai dasar. Secara keseluruhan, efektivitas peran produk BSI sangat ditentukan oleh kesiapan masyarakat dan dukungan infrastruktur lokal.
Co-Authors Jureid Kholidatun Napisah Novi yanti safitri pulungan Rina Sari