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All Journal Istinbath Ilmu Pendidikan: Jurnal Kajian Teori dan Praktik Kependidikan COUNS-EDU: The International Journal of Counseling and Education International Journal of Research in Counseling and Education Jurnal Inovasi Hasil Pengabdian Masyarakat (JIPEMAS) Bisma The Journal of Counseling JTP - Jurnal Teknologi Pendidikan Child Education Journal KOLOKIUM: Jurnal Pendidikan Luar Sekolah Dimasejati: Jurnal Pengabdian Kepada Masyarakat Suluah Bendang: Jurnal Ilmiah Pengabdian Kepada Masyarakat Jurnal Graha Pengabdian G-Couns: Jurnal Bimbingan dan Konseling Jurnal Pengabdian Masyarakat Indonesia Jurnal Pembelajaran, Bimbingan, dan Pengelolaan Pendidikan IQTISHOD: Jurnal Pemikiran dan Hukum Ekonomi Syariah Proceedings Series of Educational Studies ISTINBATH Indonesian Journal of Guidance and Counseling: Theory and Application SAICGC Buletin Konseling Inovatif
Rizka Apriani
Universitas Negeri Malang
Religion Arts Humanities Computer Science & IT Decision Sciences, Operations Research & Management Economics, Econometrics & Finance Education Engineering Languange, Linguistic, Communication & Media Law, Crime, Criminology & Criminal Justice Physics Public Health Social Sciences Other

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Journal : Istinbath

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ANALISIS AKAD MURABAHAH PADA PRODUK CICIL EMAS TERHADAP MINAT NASABAH DALAM PERSEPEKTIF EKONOMI ISLAM  PADA BANK SYARIAH INDONESIA KCP JAKABARING PALEMBANG Putri, Ramanda; Rizka Apriani; Azizah, Latifah Ayu; Bella, Sintia; Azwari, Peny Cahaya
Istinbath Vol 16 No 2 (2024): Istinbath
Publisher : Kopertais Wilayah VII Palembang

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.19109/istinbath.v16i1.25832

Abstract

Banks have a primary function as collectors and distributors of funds, while additional services act as supporters. The presence of Islamic banking, such as Bank Syariah Indonesia (BSI), is expected to increase economic growth, especially in Muslim-majority countries like Indonesia. BSI was officially launched on February 1, 2021 through the merger of several government-owned Islamic banks. Innovative products, such as BSI Gold Installments, are one of the efforts to attract public interest in Islamic banking services. BSI Gold Installments utilize murabahah and rahn contracts, which are in accordance with sharia principles, to allow customers to own gold in stages with light payments. Gold is chosen because of its stability in value and its ability to fight inflation, making it an attractive investment. This study aims to analyze the BSI Gold Installment product in increasing customer financing, especially at BSI KCP Palembang Jakabaring, using a descriptive qualitative method. The results show that service excellence, product innovation, and contract transparency are the main factors in the success of this product in meeting the investment needs of the community. However, challenges remain, including low customer interest due to lack of education and promotion. Therefore, BSI is expected to continue to develop marketing strategies and sharia-based product innovations to increase competitiveness in the banking sector.
Co-Authors Achmad Miftachul ilmi Adi Atmoko Afifah, Rohmatul Andani, Melia Fitri Andriany, Ayu Viryavasthi Talitha Anggraini, Andini Yuliana Arbin Janu Setiyowati, Arbin Arbin Janu Setyowati Asrowi Asrowi Asrowi Awalya Siska Pratiwi Az-Zahra, Faza Kasyiva Azizah, Azizah Azizah, Latifah Ayu Bella, Sintia Blasius Boli Lasan Costa, Augusto Da Daud, Nurul Ain Mohd Devy Probowati Diniy Hidayatur Rahman Dio Lingga Purwodani Djoko Budi Santoso Ekawati, Fitri Elcindi Lazuardin Zamzamima Ella Faridati Zen, Ella Faridati Fauziah Ilmi Qonita Fifi Khoirul Fitriyah Firdaus, Krisnaldy Firdaus, Naufal Rifqi Frischa Meivilona Yendi Hanafi, Husni Hengki Tri Hidayatullah Henny Indreswari Hermawan, Salsabila Yuli Adys Hidayatullah, Hengki Tri Hidayatullah, Hengky Tri Ifdil Ifdil Ilmi, Achmad Miftachul IM. Hambali Irene Maya Simon, Irene Itsar Bolo Rangka Khairul Bariyyah Kusumaningtyas, Fitri Indra Lisnanti, Anisa Ultari Lutfi Fauzan M Ramli M. Ramli Mahdiyah, Mahirotul Maulidya, Nabila Melenia Ayu Saputri Melia Fitri Andani Mohd Daud, Nurul 'Ain Muslihati Muyassaroh, Zahrotul Nanda Alfan Kurniawan Nandang Rusmana Naufal Rifqi Firdaus Nugraheni Warih Utami Nur Hidayah Nur Hidayah Nur Mega Aris Saputra Nurusshobah, Nurusshobah Otto Fajarianto Pamintarso, Kheren Carollina Parahita, Senja Putri Prihatiningsih, Riskiyana Primardiana Hermilia Wijayati Putri, Ramanda Qonita, Fauziah Ilmi Qonita, Fauziah Ilmi Rachel Devita Suharto Rahmatillah, Aushaf Iklil Ramadhania, Maulida Salwa Reidana, Linka Latifany Falasifa Riskiyana Prihatiningsih Sainda, Ahmad Thoriq Tri Salsabila Yuli Adys Hermawan Salsabilla, Amelia Eka Santi Widiasari, Santi Simarmata, Devi Yustina B.R. Sintiawan, Naya Sopingi Sopingi, Sopingi Sri Wahyuni Suci Murni Prastiwi Wibowo Suharto, Rachel Devita Syarifa, Najwa Kamila Widaad, El-tsaniyah Rihlatul Widya Multisari Yuliati Holifah Yuniawatika Zamroni Zamzamima, Elcindi Lazuardin ‘Aliyah, Shabrina Muyassirotul