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Nurul Inayah
Universitas Islam Negeri Sumatera Utara
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Journal : academia open

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Lending Targets and Marketing Performance in Islamic Rural Banking Elina Sari; Sugianto Sugianto; Nurul Inayah
Academia Open Vol. 10 No. 1 (2025): June
Publisher : Universitas Muhammadiyah Sidoarjo

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.21070/acopen.10.2025.11318

Abstract

General background: Human resource management is a critical component of organizational success, particularly in the banking sector where marketing performance directly influences financial outcomes. Specific background: In the context of Sharia banking, institutions like PT. BPRS Puduarta Insani implement lending targets to guide marketing efforts. Knowledge gap: However, limited research has explored the dual impact—both motivational and burdensome—of such targets on employee performance in Islamic microfinance contexts. Aims: This study aims to analyze how the imposition of lending targets affects the work performance of Account Officers at PT. BPRS Puduarta Insani. Results: The findings reveal that while clear targets and associated rewards enhance motivation, focus, and creativity, excessively high targets induce stress and risk the compromise of prudential financing standards. Novelty: The study uniquely integrates qualitative insights to highlight the dynamic interplay between target-setting, compensation, and psychological well-being in a Sharia banking context. Implications: These results suggest that a balanced target-setting approach—aligned with market realities and employee capacity—can transform lending goals into performance drivers without undermining ethical lending standards.Highlight : Clear targets improve focus — Lending targets give Account Officers a structured direction to perform better. Rewards drive motivation — Incentives linked to target achievement enhance creativity and competitiveness. Excessive pressure risks performance — Unrealistic targets can lead to stress and compromise financing quality. Keywords : Sharia Bank, Marketing Performance, Compensation, Motivation, Lending Target
Co-Authors ABD. Hadi Saputra Pulungan Abdul Rafi Alrasyid Alya Abdul Ramadhani Andri Wibowo Anggi Pranata Anita Pramadani Lubis Arifin Fauzi Lubis Arnida Wahyuni Lubis Asiah Husnul Khatimah Atika Azhari Akmal Tarigan Chilvia Azhari Dedek Joefanny Desi Elisa Fitri Dinda Dewi Rahma Wijaya Elina Sari Elvina Riska Elvina Zailanty Harahap Fathur Rahman Ansori Febry Ansyah Fike Quraniyah Habibul Ahir Hafizah Mahira Nasution Hasri Nasution Heldia Fitri Hendra Harmain Hendra Harmain Hidayatul Munawwarah Indah Sari Isnaini Harahap Kamilah, K Khadir, Abdul M Rizky M. Fawwaz Eljawahir Hasibuan Maisyaroh, Elvira Marliyah Maryam Batubara Maryam Batubara Maryam Batubara Mhd Faiz Al Maisi Morina Sari Simamora Muhammad Arif Muhammad Arif Muhammad Bima Nugraha Muhammad Ikhsan Harahap Muhammad Ikhsan Harahap Muhammad Ikhsan Harahap Muhammad Rizky Putra Muhammad Sandi Muhammad Syahbudi Muhammad Syahbudi Muhammad Zainuddin Azi Mulky Alrasi Hutagalung Munthe, Rahmad Raihan Nabila Khairina Nadya Dewi Anggita Nazwa Nadia Nur AhmadBiRahmani Nur Ahmadi Bi Rahmani Nur Ahmadi Bi Rahmani Nurbaiti Sirait Nurbaiti, Nurbaiti Nurlaila Nurmaya Dewi Sahfitri Rambe Nursantri Yanti Nursapa Indah Damanik Nurul Jannah Nurwijayanti Prans SintiaDiadani Rabiatul Hadawiyah Ritonga Rahma Syafitri Rahmat Syahputra Boangmanalu Rahmi Syahriza Reny Tri Viola Sari Reza Rahmadani Ricky Widyanto Rizki Anggiani Simbolon Safa Maisyarah Siregar Saidah Ulfah Pohan Salwa Hayati Harahap Saniya Mahira Amri Sapriani Sapriani Sherli Monika Siti Ardianti Sovia Harahap Sri Ramadhani Sri Sudiarti Suci Pranasari Sugianto Sugianto Syahruna Fitri Tri Inda Fadhila Rahma Tuti Anggraini Tuti Anggraini Wahyu Syarvina Waizul Qarni Wan Ronaldo Nasution Wawan Paimaon Simatupang Windy Adinda Sari Yenni Samri Juliati Nasution Zainal Arifin Kholil Zuhrinal M Nawawi Zumrohtul Husnah