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All Journal J-ESA (Jurnal Ekonomi Syariah) Journal of Economics and Social Sciences
Achmad Tarmidzi Anas
Institut Agama Islam Al-Khairat Pamekasan
Agriculture, Biological Sciences & Forestry Economics, Econometrics & Finance Law, Crime, Criminology & Criminal Justice Materials Science & Nanotechnology Social Sciences

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Analisis Strategi Relationship Marketing pada BMT NU Pragaan Kabupaten Sumenep Achmad Tarmidzi Anas; Ismail Ismail
J-ESA (Jurnal Ekonomi Syariah) Vol 4 No 2 (2021): Desember
Publisher : Program Studi Ekonomi Syariah IAI Muhammadiyah Bima

Show Abstract | Download Original | Original Source | Check in Google Scholar | Full PDF (600.336 KB) | DOI: 10.52266/jesa.v4i2.748

Abstract

Penelitian ini bertujuan untuk (1) menganalisis strategi relationship marketing pada BMT NU Pragaan Kabupaten Sumenep, (2) menganalisis implikasi relationship marketing pada BMT NU Pragaan Sumenep. Penelitian dilakukan menggunakan pendekatan kualitatif, dengan jenis peneltian studi kasus. Teknik pengumpulan data yang dilakukan dengan menggunakan metode observasi, wawancara dan dokumentasi. Sedangkan pengecekan keabsahan data menggunakan trianggulasi teknik. Hasil penelitian menunjukkan bahwa strategi yang dibangun adalah: Pertama, menyediakan berbagai jenis produk secara kompleks. Kedua, menjalin silaturahmi dengan mengadakan pertemuan rutin di daerah-daerah prioraitas yang memiliki prospek besar dalam menjalankan pemasaran. Ketiga, mempererat hubungan serta menjalin kerjasama dengan beberapa instansi atau lembaga tertentu pada beberapa kegiatan tertentu untuk tetap menjaga hubungan dengan nasabah. Keempat, memberikan pelayanan jemput bola untuk memudahkan nasabah dalam melakukan transaksi. Kelima, menghadiri beberapa kegiatan lembaga pendidikan untuk menjaga hubungan kekeluargaan serta menjaga ikatan emosional dengan nasabah. Adapun implikasinya, mampu menarik minat nasabah untuk melakukan transaksi serta meningkatkan loyalitas nasabah lama terhadap BMT NU karena terbentuknya kepercayaan serta rasa nyaman dengan hubungan yang dibangun. Sehingga strategi relationship yang dibangun oleh BMT NU mampu meningkatkan citra positif terhadap masayarakat.
The Behaviour of Generation Z Towards the Use of Sharia Digital Banking: Perspectives of Trust, Financial Literacy, and Religious Values Achmad Tarmidzi Anas
Journal of Economics and Social Sciences (JESS) Vol. 4 No. 2 (2025): Journal of Economics and Social Sciences (JESS)
Publisher : CV. Civiliza Publishing

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.59525/jess.1354

Abstract

This study examines the behavioral intentions of Generation Z toward the use of Islamic digital banking services, emphasizing the roles of trust, Islamic financial literacy, and religiosity. Motivated by the growing yet underutilized potential of Gen Z in Indonesia's digital banking market, this research adopts a quantitative explanatory approach using Structural Equation Modeling – Partial Least Squares (SEM-PLS) to evaluate the causal relationships among the variables. The study surveyed Muslim individuals aged 18 to 27 who had experience using digital banking platforms. Data were collected through purposive sampling and analyzed using SmartPLS. The results indicate that all three independent variables have a significant and positive influence on the intention to use Islamic digital banking services. Among these, trust emerged as the most dominant predictor, suggesting that perceptions of system security, institutional transparency, and Shariah compliance greatly shape user decisions. Additionally, higher levels of Islamic financial literacy enhance rational financial behavior and product differentiation between conventional and Islamic banking. Religiosity also proved to be a meaningful determinant, reinforcing that spiritual values influence economic decisions even in a digital environment. This study contributes to the theoretical advancement of Islamic behavioral finance by integrating cognitive, affective, and normative dimensions into a unified framework. Furthermore, the findings provide practical insights for Islamic banking institutions in designing trust-based and value-aligned digital services targeted at Generation Z consumers. The research also recommends expanding the Technology Acceptance Model (TAM) by incorporating ethical-spiritual constructs to better contextualize financial behavior in Muslim societies.
Co-Authors Ismail Ismail