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Journal : El-Mal: Jurnal Kajian Ekonomi

Analisis Faktor-faktor yang Mempengaruhi Minat Masyarakat Menabung di Bank Syariah Indonesia: Studi pada Masyarakat Kota Bandung Ghojali, Irman; Suryaman, Maman
El-Mal: Jurnal Kajian Ekonomi & Bisnis Islam Vol. 5 No. 3 (2024): El-Mal: Jurnal Kajian Ekonomi & Bisnis Islam
Publisher : Intitut Agama Islam Nasional Laa Roiba Bogor

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.47467/elmal.v5i3.773

Abstract

Islamic banking is an Islamic economic phenomenon that has become an alternative and increasingly popular with people around the world, including millennials. Not only to accommodate the interests of Muslims, but also to integrate personal interests and community benefits in a balanced form. Islamic banking in Indonesia is currently experiencing rapid development. As a country with the largest Muslim population in the world, Indonesia certainly has a very important role in building the Islamic economy. This can be used as a great opportunity by Bank Syariah Indonesia in optimizing its role to support the country's plan to develop Islamic finance in Indonesia. It can be seen that the number of customers at Bank Syariah Indonesia is still far from expectations when viewed from the large Muslim population in Indonesia. This indicates that there are still many Muslim residents in Indonesia who still do not use the services of Sharia Banks in Indonesia. This indicates that there are still many Muslim residents in Indonesia who still do not use the services of Sharia Banks in Indonesia. This can arise by several factors that are the reason why the Indonesian Muslim population is still reluctant to use the services of Bank Syariah Indonesia. The large gap between the Muslim population in Indonesia and the number of customers of Bank Syariah Indonesia is one of the attractions for researchers to conduct an analysis of the Factors Influencing Public Interest in Saving at Bank Syariah Indonesia (BSI). Interest can be interpreted as an interest or tendency to choose what is desired. One example is the interest and tendency towards interest in saving, for example a religiously inclined person will choose Islamic banks over conventional banks because based on Islamic religious law which prohibits his people from transacting ribawi (interest). According to (crow & crow 1998) states that there are six that affect interest, namely: income factors, job stability factors, financial goal factors, risk avoidance factors, knowledge factors, social and cultural environmental factors. While the author in conducting this study used descriptive qualitative methods with data collection techniques used was to conduct structured interviews to the community with the help of research instruments in the form of mobile phone cameras as photo documentation and recordings during interviews with the people of Bandung City which at this time became a source of research information. The results obtained from research conducted by the author to the people of Bandung city resulted in income, risk avoidance / security factors and social and cultural environmental factors are factors for people interested in saving their money in Indonesian Islamic banks (BSI). Keywords: Bank Syariah Indonesia, community, Interest.
Analisis Pelayanan Pusat Kesehatan Masyarakat (PUSKESMAS) Panca Berdasarkan Prinsip Service Excellent Malik Abdul Aziz; Maman Suryaman
El-Mal: Jurnal Kajian Ekonomi & Bisnis Islam Vol. 5 No. 12 (2024): El-Mal: Jurnal Kajian Ekonomi & Bisnis Islam
Publisher : Intitut Agama Islam Nasional Laa Roiba Bogor

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.47467/elmal.v5i12.5151

Abstract

Community health centers (Puskesmas) have become one of the people's choices for treatment, medical examinations and so on. Panca Health Center is one of the Community Health Centers in Nagrak Village, District. Pacet, Bandung Regency, is an option for the people there who want to have a health check. Community health centers (Puskesmas) play an important role in providing primary health services for the community. In an effort to improve service quality, the application of the principle of excellent service is crucial. Service excellence is an approach that prioritizes customer satisfaction through providing services that exceed expectations. This research aims to evaluate the implementation of excellent service principles in Community Health Centers, focusing on aspects such as responsiveness, reliability, assurance, empathy and physical evidence. The research method used was a case study at the Community Health Center in Panca. Data was collected through interviews, interviews and direct observation. The research results show that Community Health Centers that apply the principle of excellent service are able to increase patient satisfaction, speed up response time, and improve the quality of communication between health workers and patients. In addition, factors such as continuous training for staff, improving physical facilities, and implementing a health information system also contribute to achieving service excellence. Researchers can conclude that implementing the principle of excellent service in Community Health Centers not only improves service quality, but also strengthens public trust in primary health services. Recommendations are provided to expand the application of these principles to achieve higher standards of health care on an equitable basis.
Co-Authors -, Retma Sari Abdul Kodir Al-Baekani Adzkiya, Dilla Safira Afifa Meitifazahra Agus Widyantoro Agustina Purwanti Aina Khoirida Aji Septiaji Alfian Gilang Pramana Alpian, Mimi Amarsa, Anggita Ratnaningtyas Amelia, Dinda Amilin, Amir An-Nur, Raizsa Anandari, Christina Lhaksmita Andi Amri Andri Yanto Anggita Ratnaningtyas Amarsa Anis Mashlihatin Anis Maslihatin Anjani, Olivia ANNISA RAHMAWATI Antarsyach, Anelka Almayda Anwar Efendi Aprilani, Dea Nur Apriyanti, Nuryani Ari Suryawati Secio Chaesar Ary Kristiyani Asgara, Eqy Yudha Ashadi Athoillah, Mohammad Anton Atsdar, Donni Bahri, Yasir Bambang Ismaya Basikin Basikin Bulan, Arif Bulan, Arif Burhan Nurgiyantoro Dedah Jubaedah Dede Agung Rismawan Deni Hardianto Deni Kamaludin Yusup Devi, Zalzabila Tania E Oos M Anwas Effendi, Anwar Elih Sutisna Yanto Ending Solehudin Ermianto Ertinawati, Yuni Esti Swatika Sari Eva Lesiana Fransiska Evi Karlina Fajar Noor Fuji Sutarjo Fatimah, Risi Siti Fauzy Rahman Kosasih Finorita, Eny Tantia Fitriyani Fuadiyah, Wilda Gang, Huang Ghojali, Irman Harahap, Tsabita Ananda Hari Gursida Hartono Hartono Hartono Hartono Hasan Bisri Hasan Hasan Hastuti, Choirul Imsa Hieu, Ho Ngoc Hilmansyah Saefullah Indah Nur Yunita Indah Purnama Dewi Indra Permana, Indra Irfan Dany Iskandar, Yogi Ismail Marzuki Iwan Hermawan, Adi Iwan Setiawan Jaka Warsihna Juliandani, Astri Kafita Al Maida Kamil, Acep Bahrum Karina Apriyani Kastam Syamsi Kencana, Bekti Anggi Kuala Khoeriyah, Riska Ummu Kirmadi, Yudi Kurnia, Asep Rahmat Kurniasih, Dyan Nur Kusmanto, Hari Kusuma, Aldi Wijaya Kusumayanthi, Susie Leonita, Leonita Lestari, Dessy Ari Lestari, Desy Ari Lestari, Marzuanti Indah Lila Setiyani Luqman Fariz Maesyaroh, Ucu Siti Magfuroh, Abdah Maghfiroh Fajrin Malik Abdul Aziz Mansyur Srisudarso Mardiah Mardiah Mardiah, Mardiah Margana Margana Martinus Tukiran Mashrul, Nenden Nadya Rizky Masita Maulana Yusup, Maulana Maya Rahmawati Meriani, Gesti Meriyani, Mira Mimil Mobit, Mobit Muhammad Reza Pahlevi Muharam, Hari Muhtadin Muhtadin Mulyani Munaeyza, Sri Mulyaningsih, Indrya Mulyati, Imas Mustofa, Romy Faisal Nafi'ah, Intan Zuhrotun Ningsih, Nelly Rahmawati Ningsih, Syafitri Nugraha, Billy Nurhasanah, Enung Nurhasanah, Siti Rahmi Nurhayati, Evi Nurramdaeni, Nurul Nurul anisa Oktabiadaniaty Partini, Sri Pier Angely Pitaloka, Dewi Ayu Dyah Pradana, Galih Rayi Prakoso, Ilyas Aji Pratomo Widodo Puji Astuti Puji Astuti, Nungki Sururi Pungky, Ameylia Vanissa Putri Endah Pratiwi Putri, Nanda Amalia Ramadhani, Ananda Raswati, Devi Regi Refian Garis Retma Sari Rohayanah Rohayanah, Rohayanah rohayati, lia fajar Rosa, Dela Rosihan Anwar, Rosihan Rudiantara Rukmana, Dwita Saharul Hariyono Salmah Sarah, Diana Sari, Mega Rena Sari, Sandra Intan Selvanalindayanti Setyaningsih, Hana Setyawan Pujiono Silky, Dwi Rohmaniatu Sri Mulyani Subandi, Ika Subarkah Subarkah Sudiati Sudiati Sudiati Suherli Kusmana Sukarno Sulis Triyono Suminto A. Sayuti Suparti Suparti Supriadi, Asim Suroso Suroso Sutarto, Bambang Sutinah, Titin Syafitri, Fajar Nur Tadkiroatun Musfiroh Teguh Setiawan Totoh Tauhidin Abas Trisnawati, Acih Trisusilawati Ulinnuha, Kharisma Ummu Khoeriyah, Rizka Wachyudi, Kelik Wang Dandan Wasitoh, Evi Wawan Setiawan Widiapuspita Widiyasuti, Winda Widowati, Saras Pangestu Sri Widyastuti Purbani Wigati, Fikri Asih Wigiyantini, Meti Wigiyantini, Nuryaningsih Wilda Fuadiyah Wipsar Siwi Dona Ikasari Wiyatmi Wiyatmi Wiyatmi Wiyatmi Wiyatmi, W. Yogi Ginanjar Yohana Nurmala Yousef Bani Ahmad Yunita, Indah Nur Zamzani Zamzani Zulfa, Inayati Fadhilah Zulmi Ramdani Zumani, Darul Zuraida, Umi