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STRATEGI SEGMENTING, TARGETING, POSITIONING DALAM MENINGKATKAN JUMLAH NASABAH PEMBIAYAAN Harahap, Jamiah; Rahmani, Nur Ahmadi Bi; Yanti, Nur Santri
Humantech : Jurnal Ilmiah Multidisiplin Indonesia Vol. 2 No. 11 (2023): Humantech : Jurnal Ilmiah Multidisiplin Indonesia
Publisher : Program Studi Akuntansi IKOPIN

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Abstract

Tujuan penelitian ini untuk mengetahui mekanisme strategi segmenting, strategi targeting dan strategi positioning dalam meningkatkan jumlah nasabah di Bank Pembiayaan Rakyat Syariah Gebu Prima Medan. Penelitian ini menggunakan pendekaan penelitian kualitatif (deskriptif). Teknik pengumpulan data menggunakan wawancara, studi kepustakaan, dan observasi. Sedangkan teknik analisis datanya menggunakan reduksi data, penyajian data, penarikan kesimpulan. Keabsahan data menggunakan tringulasi sumber dan tringulasi teknik. Hasil penelitian menunjukkan bahwa BPRS Gebu Prima dalam melakukan segmenting pasarnya mengelompokkan dalam tiga elemen yaitu giografik, demografis, dan berdasarkan perilaku. Strategi Targeting BPRS Gebu Prima Medan mengunakan 3 alternatif yaitu undifferentiated marketing, diffentiated marketing, dan concentiated marketing. Akan tetapi lebih kepada undifferentiated marketing, tetap menggunakan konsep 5C yaitu character, capacity, capital, collateral dan condition of Ekonomic agar tidak terdapat risiko terutama dalam hal pembiayaan. Keriga, strategi Positioning BPRS Gebu Prima Medan melalui pendekatan Brand syariah dengan prinsip kepercayaan dan amanah dalam menjalankan usahanya dan juga menciptakan produk ATM tanpa tabungan atau yang disebut dengan cardless.
Faktor – Faktor yang Mempengaruhi Return on Asset PT. Bank Syariah Indonesia KCP Iskandar Muda   Sinuhaji, Endo Masika; Yanti, Nur Santri
ManBiz: Journal of Management and Business Vol. 2 No. 1 (2023): ManBiz: Journal of Management and Business 
Publisher : Institut Agama Islam Nasional Laa Roiba Bogor

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.47467/manbiz.v2i1.5579

Abstract

Analysis of profitability developments is one of the indicators carried out by banks to see or detect the magnitude of changes in the results of transactions carried out. Among them, measuring the level of profitability by measuring return on assets (ROA). The reason for using Return on Assets (ROA) to measure bank profitability is because Bank Indonesia, as a banking supervisor, prioritizes the profitability of a bank as measured by assets. Most of its funds come from public deposits. The higher the bank's profit, the better the bank's position on the use of assets. Therefore, ROA is used in this study as an indicator of the financial performance of Islamic banks. Keyword: Profitability, Return on Assets, Islamic Bank
Pengaruh Debt Financing, Equity Financing Non Performing Financing Terhadap Profit Expense Ratio Pada Bank Situmorang, Nurul Utami; Atika, Atika; Yanti, Nur Santri
Ekonomi, Keuangan, Investasi dan Syariah (EKUITAS) Vol 5 No 4 (2024): May 2024
Publisher : Forum Kerjasama Pendidikan Tinggi (FKPT)

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.47065/ekuitas.v5i4.5180

Abstract

The aim of this research is to determine the influence of the level of Debt Financing (DF), Equity Financing (EF), and Non-Performing Financing (NPF) on the Profit Expense Ratio (PER) at Bank Muamalat in Indonesia. This type of research is quantitative research. A quantitative approach is an approach that emphasizes testing theories or hypotheses through measuring research variables in numbers and analyzing data using static procedures and systematic modeling. The results of this research indicate that partially the Debt Financing variable does not have a significant effect on the Profit Expence Ratio at PT. Bank Muamalat in 2018-2022. The results of this research indicate that partially the Equity Financing variable does not have a significant effect on the Profit Expence Ratio at PT. Bank Muamalat in 2018-2022. The results of this research show that partially the Non Performing Financing variable has a significant effect on the Profit Expence Ratio at PT. Bank Muamalat in 2018-2022. The results of this research show that simultaneously the variables Debt Financing, Equity Financing, and NPF have a significant effect on the profit expense ratio at PT. Bank Muamalat in 2018-2022.