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PENGARUH BRAND IMAGE TERHADAP LOYALITAS NASABAH DALAM MENGGUNAKAN JASA PERBANKAN PADA PT. BANK SYARIAH MANDIRI CABANG MALANG Hasan, Irmayanti; Firmansyah, Fani
El Dinar: Jurnal Keuangan dan Perbankan Syariah Vol 2, No 1 (2014): El Dinar
Publisher : Faculty of Economics Universitas Islam Negeri Maulana Malik Ibrahim Malang

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.18860/ed.v2i1.2962

Abstract

Abstract Brand awareness is the basic dimensions of brand equity. Brand awareness shows two levels of awareness; that is familiar to the brand (brand recognition) and is able to recall the brand (brand recall). Brand image is a type of association that arises in the minds of consumers when considering a particular brand. Brand image (brand image) is one of the components that affect customer loyalty. Competitive companies use brand image to attract consumer attention and loyalty bind. The population in this study is the city of Malang Islamic banking customers. The method of sampling is non-probability sampling technique by purposive sampling. The sampling method aims to obtain samples reprsentatif according to specified criteria. The results of this study are variable brand image consisting of image bank, the customer's image, the image of banking products, simultaneously have a significant effect on customer loyalty in the use of banking services and banking product image variable partial effect. This indicates that the majority of customers choose PT. Bank Syariah Mandiri Branch Malang because the image of banking products from PT. Bank Syariah Mandiri Branch Malang.
PENGUKURAN KEPUASAN NASABAH TERHADAP IMPLEMENTASI SYARIAH MARKETING PADA PT. BANK SYARIAH MANDIRI CABANG MALANG Hasan, Irmayanti
El Dinar: Jurnal Keuangan dan Perbankan Syariah Vol 5, No 1 (2017): El Dinar
Publisher : Faculty of Economics Universitas Islam Negeri Maulana Malik Ibrahim Malang

Show Abstract | Download Original | Original Source | Check in Google Scholar | Full PDF (641.369 KB) | DOI: 10.18860/ed.v5i1.5234

Abstract

Competition is increasingly competitive in the development of Islamic bank in Indonesia and policy enforcement office channeling makes the atmosphere seizure of shari'ah loyalists consumers increasingly viscous. The phenomenon of this competition requires marketers to constantly innovate marketing strategies. One step to achieve this is through the implementation of sharia marketing.The approach used in this study is a survey approach and type of research is quantitative. This study used 16 items, then the sample is 80 customers.The results of this study are customers already feel very satisfied with the services of employees of PT. Bank Syariah Mandiri Malang Branch, but the performance of employees of PT. Bank Syariah Mandiri Malang Branch must still be improved. There are several strategies to increase customer satisfaction, there are some things that should be emphasized and some are already well do not need to be prioritized, but still need to be considered by PT. Bank Syariah Mandiri Malang Branch.
Analisis Faktor Persepsi Nasabah Bank Konvensional dan Switching Barriers Ke Bank Syariah Slamet, Slamet; Munir, Misbahul; Hasan, Irmayanti
IQTISHODUNA IQTISHODUNA (VOL.15, No.2, 2019)
Publisher : Fakultas Ekonomi, UIN Maliki Malang

Show Abstract | Download Original | Original Source | Check in Google Scholar | Full PDF (515.59 KB) | DOI: 10.18860/iq.v15i2.5919

Abstract

This research is to identify and analyze the factors of conventional bank customers' perception in Pondok Pesantren community in using Islamic banking services and identify and analyze switching barriers factors to become sharia bank customers for the Pondok Pesantren community. The paradigm in this research uses quantitative research with a CFA approach. The results showed that the factors that become conventional bank customers' perceptions in using Islamic banking for the Islamic boarding school community are comprised of three perceptions, namely customer perception variables consisting of a cognitive dimension, affective, and connectively. This means that respondents already have a dominant perception of the Islamic banking system. This is indicated by  that they have an understanding and knowledge of the existence and sharia banking system in Indonesia, although some of them use conventional banking services. There are several factors causing switching barriers to become customers of Islamic banks in the Pondok Pesantren community, from the loading factor value it is known that the dimension of value congruency is the dominant dimension in forming switching barriers variables in conventional banks.
ANALISIS RESPON SIMETRIS/ASIMETRIS TERHADAP HARGA DI DALAM KEPUTUSAN PEMILIHAN BRAND OLEH KONSUMEN (Studi Pada Produk Minyak Goreng) Hasan, Irmayanti
IQTISHODUNA IQTISHODUNA (VOL 7, NO 2
Publisher : Fakultas Ekonomi, UIN Maliki Malang

Show Abstract | Download Original | Original Source | Check in Google Scholar | Full PDF (79.375 KB) | DOI: 10.18860/iq.v0i0.1752

Abstract

The increase in world crude oil prices affects the oil prices in Indonesia. The evidence shows at the beginning of 2011, the cooking oil increase significantly between 10-20% for all brand types. As the result, most of the housewives will be more cautious and selective to choose and buy cooking oil. Another impact of the oil price increase is the decline in consumer loyalty towards a particular brand. The research analysis is aimed to know the weight or the proportion between the acquisition utility and transaction utility in forming the total utility unit. The analysis employs the conditional logit model. The results show the respondents are loyal in response to the changes in the price of cooking oil and the response is symmetrical. Response switcher, in response to price changes Edible Oils, the response is asymmetrical. Gain coefficient- the loss regression results on symmetric and asymmetric response is quite significant, meanwhile RP coefficient, Income and S (purchase proportion) are not significant. The results are consistent with previous research conducted by Lakshman Krishnamurthi, particularly on the gain and loss coefficients.
PREFERENSI MASYARAKAT TERHADADAP BANK SYARIAH DI KOTA MALANG Hasan, Irmayanti
IQTISHODUNA IQTISHODUNA (Vol 5, No 3
Publisher : Fakultas Ekonomi, UIN Maliki Malang

Show Abstract | Download Original | Original Source | Check in Google Scholar | Full PDF (238.782 KB) | DOI: 10.18860/iq.v4i3.303

Abstract

The result of research indicate that 1) Most society accept attendance of Moslem law bank in its environment is caused by influence mount confidence that Moslem law bank have prospect in the future 2) Preferensi to become client in this time its it[him] still lower because influence of confidence which still lower and religion factor in the reality do not too is having an effect on, beside experience factor less supporting and also not yet been felt by the existence of an requirement 3) At a period to jang will come society potency to become high Moslem law bank client enough, caused by influence of confidence is which are positive supported by religion factor realized that by Moslem law system fitt in with embraced aqidah it and also positive experience factor support. Influence of factor which is signifikan at third the condition especially because of factor confidence of reponden able to have an effect on positive also negativity.
ANALISIS VARIABEL OPERASIONAL YANG BERPENGARUH TERHADAP EFISIENSI OPERASIONAL BANK PERKREDITAN RAKYAT (BPR) WILAYAH MALANG MM.,, Irmayanti Hasan,
IQTISHODUNA IQTISHODUNA (Vol 2, No 3
Publisher : Fakultas Ekonomi, UIN Maliki Malang

Show Abstract | Download Original | Original Source | Check in Google Scholar | Full PDF (216.113 KB) | DOI: 10.18860/iq.v1i3.201

Abstract

Efficiency is important to industrial banking because since released the prudent deregulation of banking have growing new banks and making tight competitions on the industrial of bank. Not including if linked with existence of bank that must take or put outside fund where will given return on investment for survival live in future. So efficiency is important item to noticing. The operational variables influenced toward efficiency talked about are savings, total loan, total of spread value and total intermediate cost.This research aimed to know amount of savings, loan, amount of spread value, amount intermediate cost and degree efficiency of Bank Perkreditan Rakyat (BPR) in Malang district.The method to taking sample using Purposive Sampling Type Judgement Sampling is the method-taking sample with belonging non-probabilities where the selection based certain criteria is obtained 22 numbers BPR as sample by means of research periods 3 years (2001-2004) at the BPR in Malang areas. The analysis data used descriptive analysis and inferential statistic analysis, is the multiple regression analysis-using program Statistic Package for Social Science (SPSS) ver 10.5 for Windows 2000 with level of signifikan 5% ( = 5%).Based result of descriptive analysis, funded that amount of savings, amount of loans, amount of spread value, amount of intermediate cost, and degree of efficiency ever of Bank Perkreditan Rakyat (BPR) in Malang areas as long as period of research begin 2001 to 2004 are to much variation between one of BPR with other.
ANALISIS TRANSPORTASI YANG OPTIMAL GUNA MEMINIMISASI PRAKTEK IHTIKAR PADA DISTRIBUSI PUPUK BERSUBSIDI Irmayanti Hasan, Misbahul Munir,
IQTISHODUNA IQTISHODUNA (Vol 8 No 2
Publisher : Fakultas Ekonomi, UIN Maliki Malang

Show Abstract | Download Original | Original Source | Check in Google Scholar | Full PDF (114.868 KB) | DOI: 10.18860/iq.v0i0.2132

Abstract

PT. Gresik as Petro Chemical fertilizer producer, has sought to meet the needs (needs), but the reality of peasant producers demand fertilizer Exes field remains a regional issue (especially in East Java), which is quite interesting to study. To illustrate the phenomenon that occurs in the process and pattern of distribution of subsidized fertilizer in certain regions (East Java) with descriptive approach and / or approach the minimum transportation cost (minimization of transportation). To analyze the economic aspects of Islam to attempt to detect ikhtikar minimization practices (hoarding of fertilizer). Islam is very concern about the issue of availability of goods and their distribution among the people, so many religious texts (both from al-Quran and the Sunnah) which expressly condemn and prohibit all forms of ihtikar (hoarding), and all forms of practice that leads to ihtikar , such as monopoly and unfair competition in the market mechanism. In fact, if there has been hoarding goods, the government has the right to force the merchants to sell goods to the prevailing standard price in the market. In fact, according to the scholars, goods stockpiled by the merchants sold their capital and merchants are not allowed to take advantage as a penalty against them. Had the traders were reluctant to sell their goods at market prices, then the law enforcement authorities (judges) may seize the goods and then distribute them to people who need them.  
PENGUKURAN EFISIENSI DAN EKUITAS MEREK SEBAGAI REFERENSI KONSUMEN UNTUK MEMILIH MINUMAN ENERGI Hasan, Irmayanti
IQTISHODUNA IQTISHODUNA (Vol 3, No 1
Publisher : Fakultas Ekonomi, UIN Maliki Malang

Show Abstract | Download Original | Original Source | Check in Google Scholar | Full PDF (126.753 KB) | DOI: 10.18860/iq.v2i1.209

Abstract

The purpose of this research is to find out the level of relative efficiency on energy drink and the effects to the brand equity. As the analysis instrument, the writer uses an application from linear programming named as Data Envelopment Analysis (DEA) that has some advantages in measuring the level of relative efficiency for multiple input and output compared to any other methods. The next step is to discover the effects of the level of relative efficiency upon brand equity. The writer takes seven different brands of energy drink as the sample in finding out the level of relative efficiency and 112 respondents in order to gain the value of brand equity upon those energy drinks. The result of the research reveals that there is one inefficient brand, whereas the hypothesis test shows that there is a connection between level of efficiency and element of equity (brand attractiveness, brand association, and perception quality), but the element of commercial advertisement has no effect to the efficiency. The yielded descriptive statistics shows that the inefficient brand surprisingly achieves higher value of equity than the efficient brands. Implication from this research elucidates that there is a producer who sets a higher price in order to position the brand as the high quality product, likewise, advertisement also holds a great role in communicating a product to the public. The purpose of this research is to find out the level of relative efficiency on energy drink and the effects to the brand equity. As the analysis instrument, the writer uses an application from linear programming named as Data Envelopment Analysis (DEA) that has some advantages in measuring the level of relative efficiency for multiple input and output compared to any other methods. The next step is to discover the effects of the level of relative efficiency upon brand equity. The writer takes seven different brands of energy drink as the sample in finding out the level of relative efficiency and 112 respondents in order to gain the value of brand equity upon those energy drinks. The result of the research reveals that there is one inefficient brand, whereas the hypothesis test shows that there is a connection between level of efficiency and element of equity (brand attractiveness, brand association, and perception quality), but the element of commercial advertisement has no effect to the efficiency. The yielded descriptive statistics shows that the inefficient brand surprisingly achieves higher value of equity than the efficient brands. Implication from this research elucidates that there is a producer who sets a higher price in order to position the brand as the high quality product, likewise, advertisement also holds a great role in communicating a product to the public.
PENGARUH RELATIONSHIP MARKETING TERHADAP CUSTOMER RETENTION ORIENTATION NASABAH BANK SYARIAH DI KOTA MALANG Hasan, MM,, Irmayanti
IQTISHODUNA IQTISHODUNA (Vol 4, No 1
Publisher : Fakultas Ekonomi, UIN Maliki Malang

Show Abstract | Download Original | Original Source | Check in Google Scholar | Full PDF (452.311 KB) | DOI: 10.18860/iq.v3i1.243

Abstract

The increasing stringency emulation at banking industry, especially the islamic banking industry, brings the importance of relationship improvement between islamic banks with their costumers. By using relationship marketing as one of the key action to reach costumers’ retention orientation, this research aims to analyze the direct influences, both simultaneously and partially, of variables: belonging, communication, customization, differentiation, personalisation and security, and convinience to costumers’  retention  orientation of islamic banks in Malang. The samples are taken from two islamic bank branches in Malang, those are: PT. BRI SYARIAH MALANG BRANCH and PT. BTN SYARIAH MALANG BRANCH. This research applies the quantitative approach, by means of the surveys to take samples from the population, and questionaires to collect the principal data. Number of samples is determined by Slovin’s formula with proportional sampling method to each population: 65 customers of PT. BRI SYARIAH MALANG BRANCH and 35 customers of PT. BTN SYARIAH MALANG BRANCH. Multiple regression analysis is used to predict the relationship between variables. Hypothetic test using F test indicates that the significant simultaneous influence of relationship marketing variables; those are belonging (X1), communication (X2), customization (X3), differentiation (X4), personalization (X5), and security and convenience (X6) to customers’ retention orientation (Y) is acceptable. The test partially indicates that the significant influence of belonging (X1), communication (X2), and customization (X3) to customers’ retention orientation (Y) is acceptable, while the significant influence of differentiation (X4), personalization (X5), and security and convenience (X6) is unacceptable.
MODEL OPTIMASI PELAYANAN NASABAH BERDASARKAN METODE ANTRIAN (QUEUING SYSTEM) Irmayanti Hasan
Jurnal Keuangan dan Perbankan Vol 15, No 1 (2011): January 2011
Publisher : University of Merdeka Malang

Show Abstract | Download Original | Original Source | Check in Google Scholar | Full PDF (243.571 KB) | DOI: 10.26905/jkdp.v15i1.1009

Abstract

Customer queuing is a common phenomenon that often happens in getting services. In an attempt to get theservice from the tellers, customers often judge the quality of bank operation system based waiting time periodor teller speed in providing services to the customers. The Islamic banks in Malang is developing rapidly, oneof the banks is PT. Bank Mega Syariah Malang needs optimization analysis of queueing system to ensurecustomers satisfactions. The bank should be able to provide the best service by providing fast service tocustomers and avoid too long waiting time. The calculation results show that customer arrival pattern is 1minute 51 seconds. As for the service pattern is 4 minutes 42 seconds. The queuing system application in PT.Bank Mega Syariah Malang is good because the teller average service time is 4 minutes 42 seconds teller andteller standard time is 3 minutes 39 seconds which the average time is smaller than the expected by thecustomer that is 5 minutes. Besides that the average time of customers wait in a queue system and total system(queuing and service facilities) is less than 1 minute 32.09 seconds.