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All Journal Jurnal Ilmiah Ekonomi Islam Jurnal Masharif al-Syariah: Jurnal Ekonomi dan Perbankan Syariah JURNAL MANAJEMEN BISNIS FINANSIA : Jurnal Akuntansi dan Perbankan Syariah Jurnal Ilmiah Edunomika (JIE) Al-Kharaj: Journal of Islamic Economic and Business Al-Kharaj: Jurnal Ekonomi, Keuangan & Bisnis Syariah Al-Mutharahah: Jurnal Penelitian dan Kajian Sosial Keagamaan JURMA : Jurnal Program Mahasiswa Kreatif Budapest International Research and Critics Institute-Journal (BIRCI-Journal): Humanities and Social Sciences Dinasti International Journal of Economics, Finance & Accounting (DIJEFA) JIKEM: Jurnal Ilmu Komputer, Ekonomi dan Manajemen INTERNATIONAL JOURNAL OF CULTURAL AND SOCIAL SCIENCE Jurnal Iqtisaduna EKSYA: Jurnal Ekonomi Syariah Mumtaz : Jurnal Ekonomi dan Bisnis Islam Sewagati: Jurnal Pengabdian Masyarakat Indonesia Media Ekonomi International Review of Practical Innovation, Technology and Green Energy (IRPITAGE) Digital Bisnis: Jurnal Publikasi Ilmu Manajemen Dan E-commerce J-ISACC : Journal of Islamic Accounting Competency Paradoks : Jurnal Ilmu Ekonomi Amkop Management Accounting Review (AMAR) Trending: Jurnal Manajemen dan Ekonomi Central Publisher Jurnal Nirta: Studi Inovasi IIJSE Anggaran: Jurnal Publikasi Ekonomi dan Akuntansi El-Mal: Jurnal Kajian Ekonomi & Bisnis Islam JER Global Leadership Organizational Research in Management Journal of Ekonomics, Finance, and Management Studies Ulil Albab
Tuti Anggraini
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Religion Agriculture, Biological Sciences & Forestry Arts Humanities Automotive Engineering Chemical Engineering, Chemistry & Bioengineering Civil Engineering, Building, Construction & Architecture Computer Science & IT Control & Systems Engineering Decision Sciences, Operations Research & Management Economics, Econometrics & Finance Education Energy Engineering Environmental Science Industrial & Manufacturing Engineering Languange, Linguistic, Communication & Media Library & Information Science Public Health Social Sciences Other

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Analysis of The Implementation of Green Banking in Islamic Banks (Empirical Study On Indonesian Sharia Bank KCP Kabanjahe) Cindy Anggreni; Ahmad Syakir; Tuti Anggraini
Dinasti International Journal of Economics, Finance & Accounting Vol. 5 No. 1 (2024): Dinasti International Journal of Economics, Finance & Accounting (March-April 2
Publisher : Dinasti Publisher

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.38035/dijefa.v5i1.2505

Abstract

The purpose of this research is to find out how Green Banking is applied to the policies and financing options offered by Bank Syariah Indonesia KCP Kabanjahe and has been utilized to execute the idea of Green Banking. The method used in this research is field research using a qualitative descriptive research approach. Data obtained from researchers' interviews with Bank Syariah Indonesia informants were analyzed in this research. Research findings show that Bank Syariah Indonesia KCP Kabanjahe has adopted a policy of implementing environmentally friendly banking which includes internal training on this matter, modification of the bank's IT infrastructure, and management style. Implementation of green banking in distribution at Bank Syariah Indonesia KCP Kabanjahe, financing is provided by reducing social and environmental hazards as well as evaluating customers' environmental documentation for financing applications. The Small and Medium Enterprises (UKM) market sector receives an environmentally friendly guarantee in the form of ownership of environmental documents from the Indonesian Sharia Bank Office KCP Kabanjahe.
Impacting The Quality of Services and Images of Company To Loyalitas Using BSI Medan City With Provision and Trust of a Variable Intervening Siti Chairani Zahwa; Sugianto, Sugianto; Tuti Anggraini
Dinasti International Journal of Economics, Finance & Accounting Vol. 5 No. 1 (2024): Dinasti International Journal of Economics, Finance & Accounting (March-April 2
Publisher : Dinasti Publisher

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.38035/dijefa.v5i1.2548

Abstract

Customer loyalty is very important for the banking business. Loyal customers will not hesitate to spread positive information about the banking services and products they use. Maintaining loyal customers must be a top priority for the banking industry, service quality and company image can be special concerns that banks must pay attention to in maintaining customer loyalty. The aim of this research is to analyze the influence of service quality variables, company image on customer loyalty of Bank Syariah Indonesia (BSI) which is moderated by satisfaction and trust. This research is quantitative research using data collection methods in the form of questionnaires with a Likert scale. The sampling technique in this research is a non-probability sampling technique. The research population is BSI customers who live in Medan City with a sample of 210 people.The results of this research show that the variables of service quality and company image have a positive and significant effect on customer loyalty, as well as through the variables of satisfaction and trust. Indirectly, it can influence service quality and company image on customer loyalty. These findings prove that service quality, company image, customer satisfaction and trust have a very important role in growing customer loyalty at PT Bank Syariah Indonesia Tbk (BSI). Therefore, BSI Bank can develop strategies to increase and retain its customers by considering several aspects in this research.
Analisis Pelaksanaan Akad Murabahah dalam Pembiayaan Pembelian Rumah (PPR) Syariah, Studi Kasus Bank Syariah Indonesia KCP Medan Marelan Risky Sobari; Tuti Anggraini; Nurul Inayah
El-Mal: Jurnal Kajian Ekonomi & Bisnis Islam Vol. 5 No. 4 (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.v5i4.1943

Abstract

Finding out how Bank Syariah Indonesia KCP Medan Marelan implements murabahah contracts is the aim of this study and to evaluate the DSN MUI Fatwa Number 04/DSN-MUI/IV/2000 for the appropriateness of implementing this sharia KPR. The study employs a qualitative descriptive methodology, collecting data from primary and secondary sources such as interviews and literature reviews encompassing books, statutes, papers, and so on. According to the research findings, the DSN MUI fatwa Number 04/DSN-MUI/IV/2000 is followed when implementing a murabahah contract to finance the purchase of a sharia house or sharia house ownership (KPRS), in terms of financing stages or procedures, the amount of funds provided, financing without usury, and other factors
Faktor-Faktor Penghambat Masyarakat Desa Tanjung Putus Untuk Bertransaksi di Bank Syariah Siti Zumara; Tuti Anggraini; Nursantri Yanti
El-Mal: Jurnal Kajian Ekonomi & Bisnis Islam Vol. 5 No. 4 (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.v5i4.1979

Abstract

Sharia banking experienced a very fast change of events and spread to various countries. The development of the process of making sharia banking products certainly raises concerns regarding the real factors that hinder Tanjung Putus Village residents from making transactions at sharia banks. So is it true that information factors, location factors, insight factors and brand factors can inspire people in Tanjung Putus Village to carry out transactions at sharia banks? So, to find out the factors that hinder the people of Tanjung Putus Village from carrying out transactions at sharia banks, factors related to buyer behavior were used. This examination aims to determine the elements that pressure the public to carry out transactions at sharia banks, especially the people of Tanjung Putus City. The type of research used in this research is quantitative research carried out with the help of the SPSS application and includes several testing stages, such as: hypothesis testing, multiple linear regression testing, normality testing, multicollinearity testing, and validity. Testing Looking at the results of the exploration that has been carried out, the results show that H0 is rejected and Ha is accepted, this means that the factors of information, area, wisdom and brand influence individual income in carrying out transactions at Sharia Commercial Banks.
Pengaruh Syariah Marketing, Service Excellence dan Reputasi Terhadap Kepercayaan Nasabah Tentang Tabungan Emas: Studi Kasus Bank Syariah Indonesia KCP Panyabungan Nur Ainun Ningsih; Tuti Anggraini; Nurul Jannah
El-Mal: Jurnal Kajian Ekonomi & Bisnis Islam Vol. 5 No. 9 (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.v5i9.5051

Abstract

This study aims to determine the Influence of Sharia Marketing, Service Excellence, and Reputation on Customer Trust About Gold Savings (Case Study of Bank Syariah Indonesia KCP Panyabungan) both partially and simultaneously. The population in this study is all customers at Bank Syariah Indonesia KCP Panyabungan while the sample in this study is 100 customers. This study used quantitative methods with data collection using Likert scale method. Data analysis techniques through the IBM SPSS statistical 25 program. The results of research and discussion, several conclusions can be drawn as follows: Sharia Marketing affects Customer Trust About Gold Savings (Case Study of Bank Syariah Indonesia KCP Panyabungan), Service Excellence affects Customer Trust About Gold Savings (Case Study of Bank Syariah Indone Indonesia KCP Panyabungan), Reputation affects Customer Trust About Gold Savings (Case Study of Bank Syariah Indonesia KCP Panyabungan) and Sharia Marketing, Service Excellence, and Reputation on Customer Trust About Gold Savings (Case Study of Bank Syariah Indonesia KCP Panyabungan).
Analisis Penerapan Prinsip Syariah pada Produk Hasanah Card di Bank Syariah Indonesia KCP Cemara Asri Askur Hamid Nasution; Nurul Inayah; Tuti Anggraini
El-Mal: Jurnal Kajian Ekonomi & Bisnis Islam Vol. 5 No. 11 (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.v5i11.5674

Abstract

This study aims to investigate the application of sharia principles in Hasanah Card products at Bank Syariah Indonesia KCP Cemara Asri. The background of the study includes the increasing market demand for banking products that comply with sharia principles. The research questions focus on the extent to which Bank Syariah Indonesia implements sharia principles in Hasanah Card products and how the market responds to its implementation. The research method uses a qualitative approach with interviews and document analysis. The provisional hypothesis shows that the implementation of sharia principles in Hasanah Card includes aspects of transparency, fairness, and sharia compliance. However, the adoption of this product still faces some challenges in terms of public understanding and acceptance of sharia features. The author concludes that while Bank Syariah Indonesia has taken sharia principles into account in the development of the Hasanah Card product, further efforts are needed to improve public understanding and acceptance and strengthen overall sharia compliance.
Analisis Anggaran Biaya Operasional Dan Kinerja Keuangan Dalam Standar Operasional Prosedur (Sop) Perkebunan Di PTPN IV Regional I Kebun Dusun Hulu Senly Ardalena Damanik; Hendra Harmain; Tuti Anggraini
Paradoks : Jurnal Ilmu Ekonomi Vol. 9 No. 1 (2026): November - Januari
Publisher : Fakultas Ekonomi, Universitas Muslim Indonesia

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.57178/paradoks.v9i1.1960

Abstract

PTPN IV Regional 1 Kebun Dusun Hulu menghadapi tantangan dalam mengoptimalkan efisiensi biaya operasional untuk meningkatkan kinerja keuangan, sehingga perlu dilakukan analisis anggaran biaya operasional dan penerapan Standar Operasional Prosedur (SOP) yang efektif. Penelitian ini bertujuan untuk membahas analisis Anggaran Biaya Operasional dan Kinerja Keuangan Dalam Standar Operasional Prosedur (SOP) di PTPN IV Regional 1 Kebun Dusun Hulu. Peneliti menggunakan pendekatan kualitatif dengan studi kasus deskriptif dan analisis data perhitungan varians untuk menganalisis anggaran biaya operasional dan kinerja keuangan di PTPN IV Regional 1 Kebun Dusun Hulu. Teknik pengumpulan data yang digunakan meliputi observasi partisipan dan analisis dokumen. Disimpulkan bahwa PTPN IV Regional I Kebun Dusun Hulu berhasil mengendalikan anggaran biaya operasional secara efektif dari tahun 2022 hingga 2024, yang berdampak positif pada peningkatan kinerja keuangan. Penerapan Standar Operasional Prosedur (SOP) berperan penting dalam memastikan pengelolaan anggaran berjalan terstruktur dan akuntabel. Integrasi pengendalian anggaran yang ketat dengan SOP yang disiplin mendukung tercapainya stabilitas keuangan dan pertumbuhan profitabilitas perusahaan secara berkelanjutan. Berdasarkan keterangan dan hasil diatas, menunjukkan bahwa penerapan SOP efektif dalam memperkuat efisiensi dan akuntabilitas keuangan perkebunan negara.
Strategies on Service Quality and Development in Using Hajj Savings Products Case Study of Bank Syariah Indonesia KCP Medan Iskandar Muda Batu Bara, Nazryva Nur Muthia; Tuti Anggraini; Ahmad Perdana Indra
Amkop Management Accounting Review (AMAR) Vol. 5 No. 2 (2025): July - December
Publisher : Sekolah Tinggi Ilmu Ekonomi Amkop Makassar

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.37531/amar.v5i2.2810

Abstract

The purpose of this writing is to determine the Strategy for Service Quality and Development in Using Hajj Savings Products Case Study of Bank Syariah Indonesia KCP Medan Iskandar Muda. Bank Syariah Indonesia (BSI) as one of the largest Islamic financial institutions in Indonesia has an important role in providing various banking products that are in accordance with sharia principles. This type of research is qualitative with a case study design at Bank Syariah Indonesia KCP Medan Iskandar Muda. In this study, the types of data used consist of primary and secondary data sources, this study uses 3 informants. The results of the study show that improving service quality and adaptive product development strategies play a major role in rebuilding public trust in post-pandemic hajj savings. BSI KCP Medan Iskandar Muda has succeeded in responding to these challenges through the integration of digital services such as the BYOND application, the active implementation of Islamic financial education. Marketing strategies are not only oriented towards the quantity of customers, but also building loyalty based on sharia values. Some of the main factors found in this study are responsive service, clarity of information provided, and ease of administration process. Customers tend to feel more comfortable and confident in saving if they get good service, including friendly employees, speed in handling transactions, and transparency regarding costs and product provisions. This study shows that the strategies implemented by BSI KCP Medan Iskandar Muda in improving the quality of service and developing hajj savings products have provided positive results.
Challenges and Opportunities for Developing Innovative Sharia Financial Products at Bank Syariah Indonesia, Cemara Asri Branch Anisah Cyntia Dewi Pratama; Tuti Anggraini; Ahmad Perdana Indra
Amkop Management Accounting Review (AMAR) Vol. 5 No. 2 (2025): July - December
Publisher : Sekolah Tinggi Ilmu Ekonomi Amkop Makassar

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.37531/amar.v5i2.2811

Abstract

This study aims to The opportunities and challenges of creating cutting-edge Islamic financial products at Bank Syariah Indonesia (BSI) KCP Cemara Asri are examined in this study. Interviews, observations, and document analysis are the methods used to gather data for the qualitative research approach. The results of the study indicate that the main challenges in developing sharia financial products include limited sharia financial literacy in the community, complex regulations, competition with conventional financial products, and limited technological and innovation resources. However, there are great opportunities for BSI KCP Cemara Asri to develop innovative sharia financial products, including increasing public awareness of the sharia economy, government support in strengthening sharia financial regulations, and technological advances that enable the digitalization of banking services. Strategies that can be implemented include increasing sharia financial literacy, optimizing digital technology in product development, and strengthening collaboration with various parties, including sharia fintech. By overcoming existing challenges and using available opportunities, BSI KCP Cemara Asri can increase competitiveness and provide more inclusive and innovative sharia financial solutions for the community.
Analisis Strategi Pemasaran Priority Banking Officer (PBO) Dalam Meningkatkan Jumlah Nasabah Prioritas Pada PT Bank Syariah Indonesia (KCP. Perbaungan) Fitriyani Fitriyani; Tuti Anggraini
Jurnal Ilmiah Ekonomi Islam Vol. 9 No. 1 (2023): JIEI : Vol.9, No.1, 2023
Publisher : ITB AAS INDONESIA Surakarta

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.29040/jiei.v9i1.7965

Abstract

This research was written to find out the strategies used to increase priority customers at PT. Bank Syariah Indonesia Kcp Perbaungan. This study aims to look at the strategies, constraints, and their impact on increasing the number of priority customers. This type of research is a descriptive-qualitative method that focuses on in-depth observations, namely universal descriptions of form, function and meaning. The source of this research is the results of interviews with Priority Banking Officer staff of PT. Bank Syariah Indonesia, which contains strategies and constraints on the marketing strategy. The research results obtained by the author are the marketing strategy carried out by Priority Banking Officer staff, namely carrying out a marketing mix strategy in the form of approaching customers who have criteria as priority customers, namely one of them has a minimum balance of Rp. 500 million, conducting word-of-mouth promotions, as well as promoting on social media, providing more special services than non-priority customers, regardless of race or creed and providing facilities to customers. The obstacle faced is competition between banks. The way to minimize obstacles is to approach, stay in touch, and provide education to customers. The strategy carried out has proven to have an effect on increasing the number of priority customers, it can be seen that in August and October 2022 there was an increase in the number of customers which was in line with the development of PT. Bank Syariah Indonesia, namely the number of priority customers, increased by 17.9% as of August compared to the previous period with a range of more than 50 thousand priority customers throughout Indonesia.
Co-Authors Ahmad Perdana Indra Ahmad Ripai Saragih Ahmad Sabili Yuhda Ahmad Syakir Alwan Azhari Ananda Rezeki Isnaini Nasution Andri Soemitra Angga Dwi Prasetyo Anggita Rizkia Anisah Cyntia Dewi Pratama Anisya Putri Syam Sinambela Annisa Edelia Annisa Zahrina Dharmawan Annisari Annisari Aristo Zaky Zein Siregar Arnida Wahyuni Lubis Askur Hamid Nasution Asmuni Batu Bara, Nazryva Nur Muthia Bayu Prabowo Chairul Adly Ginting Cindy Anggreni Dewi Sartika Silalahi Dhea Dinanty Dimas Ardiansyah Dita Marisa Feby Aulya Wardani Fitri Fitriyani Fitriyani Gendis Raihan Ardha Harahap, Muhammad Ikhsan Hendra Harmain Indah Sri Utami Zebua Indah Wahyuni Intan Ruhama Ira Amalia Khairunnisa Irgi Iqbal Isna Fauziah Jannah, Nurul Jihan Suwifania Juliana Nasution Khoirunnisa Ritonga Kusmilawaty Kusmilawaty Laila Maisaroh Laksono Trisnantoro M. Ikhsan Harahap M. Sawal Pitriyadi M. Yasir Nasution M. Yoga Pratama Harahap Marizqa Mustika Dara Marliyah Mhd Irwan Padli Nst Muhammad Aldrian Oktofa Muhammad Arif Muhammad Candy Awang Batubara Muhammad Lathief Ilhamy Nasution Muhammad Yafiz Nadhri Filka Nadia Fahira Nasution, Muhammad Irwan Padli Nur Ainun Ningsih Nur Azizah Siregar Nurbaiti Nuri Aslami Nurlaila Nurlaila Nurlaila Nurmala Kumasari Pasaribu Nursantri Yanti Nurul Inayah Nurul Izzah Nurwadiyah Nasution Ofrahaza Siregar Putri Dini Agustin Rahmat Daim Harahap Rahmat Daim Harahap Rahmi Syahriza Regi Anika Reni Ria Armayani Hasibuan Retnawati Siregar Rika Umbaiyani Ritonga Risky Sobari Salimah Salimah Samsudin Sariati Nasution Senly Ardalena Damanik Siti Aisyah Siti Chairani Zahwa Siti Zumara Sitorus, Siti Sarah Sri Ratna Devi sri sudiarti Suci Arifah Lubis Sugianto Sugianto Sugianto Tambunan, Khairina Tri Inda Fadhila Rahma Wandira Atmaja Yulita Astri Zaini Ahmad Zulhasby Assidqy Nasution Zulkarnain Abdurrahman