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All Journal INFERENSI Journal of Islamic Economics Business (JIsEb)
Itsla Yunisva Aviva
IAIN Palangka Raya
Economics, Econometrics & Finance Education Law, Crime, Criminology & Criminal Justice

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Economic Pragmatism of Yogyakarta Muslim Community in Selecting Banking Institutions Itsla Yunisva Aviva; Misnen Ardiansyah; Syafiq Mahmadah Hanafi
INFERENSI: Jurnal Penelitian Sosial Keagamaan Vol 14, No 2 (2020)
Publisher : State Institute of Islamic Studies (IAIN) Salatiga

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.18326/infsl3.v14i2.201-220

Abstract

This research discusses the motives of the Muslim community in choosing banking institutions by using the analysis of pragmatism theory. This research is qualitative research using a phenomenology approach. Data collection that is used in this research is the interview, observation, and documentation. The result of the study indicated that the Muslim’s customer of Yogyakarta tend to be pragmatic  due to the character of society which has more accommodating and flexible philosophy of life (tolerance). This pragmatic attitude was influenced by the internal factors (cognitive limitations) and external factors (reputation and service of Conventional Banks). Furthermore, adopting from the theory of  Schutz’s motives that the motives reason (because of motive) of Yogyakarta's Moslem customers in choosing to the bank are their inconsistency in choosing is influenced by economic and service motives that are stronger than religious motives. As for their destination motive (in order to motive) namely fulfilling their needs.
DEMOGRAPHIC SEGMENTATION IN THE DISTRIBUTION OF HOME OWNERSHIP FINANCING (KPR) AT BANK SYARIAH INDONESIA KC PALANGKARAYA Rahmad Kurniawan; Itsla Yunisva Aviva; Oktafiana Putri Kinanti
Journal of Islamic Economy and Business (JIsEB) Vol. 2 No. 1 (2023): Journal of Islamic Economics and Business (JISEB)
Publisher : Fakultas Ekonomi dan Bisnis Islam

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Abstract

Introduction/ Purpose: Segmentation is very important in the world of banking. Segmentation plays an important role and is the basis for banking players to position their products so they are different from their competitors. This research seeks to examine the application of demographic segmentation in the distribution of housing finance (KPR) at Bank Syariah Indonesia KC Palangkaraya Diponegoro. And the effectiveness of applying demographic segmentation in the distribution of home ownership financing (KPR) at Bank Syariah Indonesia KC Palangkaraya Diponegoro. Research Methods: The method used in this study is a qualitative method with descriptive qualitative method and the type is intrinsic case study, the data collection method is by observation, interviews and documentation. This research was conducted at Bank Syariah Indonesia KC Palangkaraya Diponegoro with research subjects namely Consumer Business Relationship Manager (CBRM) and Consumer Business Staff (CBS), while the object was the application of demographic segmentation in financing home ownership at Bank Syariah Indonesia KC Palangkaraya Diponegoro. Results: The results showed The application of demographic segmentation at Bank Syariah Indonesia KC Palangkaraya Diponegoro can easily classify customers by occupation, based on income, age and domicile, which are the main requirements assessed by Bank Syariah Indonesia in disbursing home ownership financing to determine the character of a customer. The effectiveness of applying demographic segmentation at Bank Syariah Indonesia is considered not effective in terms of work, it is proven that Bank Syariah Indonesia focuses on permanent employee customers..
Co-Authors Misnen Ardiansyah Oktafiana Putri Kinanti Rahmad Kurniawan Syafiq Mahmadah Hanafi