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All Journal Jurnal Ilmiah Ekonomi Islam Jurnal Masharif al-Syariah: Jurnal Ekonomi dan Perbankan Syariah Journal of Humanities and Social Studies 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 NUSANTARA: Jurnal Pengabdian Kepada Masyarakat 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 Ulil Albab Jurnal Publikasi Manajemen Informatika
Tuti Anggraini
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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.
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.
Peningkatan Literasi Uang Digital Melalui Edukasi dan Implementasi QRIS di Desa Kineppen, Kab. Karo, Kec. Munte Aulia Rahma; Naila Haya Fauziah; Reydina Pasya Amanda; Siti Aisyah; Tuti Anggraini
Nusantara: Jurnal Pengabdian kepada Masyarakat Vol. 6 No. 2 (2026): Mei : NUSANTARA Jurnal Pengabdian Kepada Masyarakat
Publisher : Lembaga Pengembangan Kinerja Dosen

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.55606/nusantara.v6i2.8418

Abstract

This study aims to improve digital money literacy among the community of Kineppen Village, Munte District, Karo Regency, through education and the implementation of the QRIS (Quick Response Code Indonesian Standard) payment system. The research utilized a descriptive qualitative approach, incorporating field observations, interviews, and direct mentoring with four local businesses: Ayam Penyet Pak Lek, Warkop Aim Tigander, Oke Laundry Kineppen, and Pangkas Singarimbun. The findings show that two businesses, Ayam Penyet Pak Lek and Pangkas Singarimbun, successfully adopted QRIS, leading to smoother transactions and increased customer trust. However, the other two businesses, Warkop Aim Tigander and Oke Laundry Kineppen, still face challenges in adopting the system due to limited internet access and deep-rooted traditional cash payment habits. Despite these barriers, the program significantly enhanced the digital literacy of local entrepreneurs, raising their awareness and readiness to participate in the village’s digital economy. This study emphasizes the importance of continuous support and access to technology in fostering the broader adoption of digital payment systems, particularly in rural areas where technological access may still be limited
Analysis Of The Cooperation Results Sharing System Between Palm Oil Plantation Workers And Garden Owners According To An Islamic Economic Perspective, Case Study In Sei District. Asahan District Chief Siti Jihan; Tuti Anggraini; Muhammad Latif Ilhamy nasution
JHSS (JOURNAL OF HUMANITIES AND SOCIAL STUDIES) Vol 8, No 3 (2024): JHSS (Journal of Humanities and Social Studies)
Publisher : UNIVERSITAS PAKUAN

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.33751/jhss.v8i3..10862

Abstract

This study aims to analyze the profit sharing system in cooperation between workers in oil palm plantations and plantation owners, taking into account the perspective of Islamic economics. The research method used is field research that uses descriptive qualitative research methods. Production sharing cooperation agreements between labor and oil palm plantation owners are common practices that regulate work relationships and the distribution of production results. Production sharing cooperation agreements are a common practice that regulates labor relations and the distribution of production results in the palm oil industry in Sei Kepayang. The agreement is an agreement between the landowner and the land manager. Where the land manager provides halan and equipment while the land manager works on the land that is entrusted properly. In this case, the landowner is responsible for bearing losses if there is damaged equipment and other mistakes that are not caused by the negligence of the land manager. The weakness in the profit-sharing system in Sei Kepayang Sub-district is that there is no recording in the profit-sharing cooperation carried out. All agreements are only carried out in the form of a written agreement, namely an agreement in the mouth or only verbally, so that the agreement has weaknesses in terms of legal force. In the implementation of cooperation between migrant workers and plantation owners in Sei Kepayang, the view of Islamic economics refers to the main principles contained in Islamic law, namely the principle of balance, the principle of divinity, the principle of morals, and the principle of balance. This aims to ensure that this cooperation aims to improve the level of welfare for all parties involved, and not only to obtain large profits.
ANALISIS PRODUK PEMBIAYAAN MULTI GUNA PADA BANK SUMUT SYARIAH KCP. LUBUK PAKAM DALAM PENERAPAN AKAD MURABAHAH Husnul khatimah; Tuti Anggraini
Jurnal Publikasi Manajemen Informatika Vol. 4 No. 2 (2025): JURNAL PUBLIKASI MANAJEMEN INFORMATIKA
Publisher : Lembaga Pengembangan Kinerja Dosen

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.55606/jupumi.v4i2.3761

Abstract

This study aims to analyze the implementation of the murabahah contract in multipurpose financing products at Bank Sumut Syariah KCP Lubuk Pakam, and to identify its compliance with sharia principles. The research method uses a qualitative approach with in-depth interviews with the bank's Operational Leader. The results showed that the implementation of the murabahah contract has been carried out with strict adherence to sharia compliance, although there are challenges in documentation and customer education. Customer perceptions are generally positive, but some complaints arise regarding the complexity of the process. The bank has made efforts to improve services through digitalization and continuous education. This study contributes to understanding and improving the implementation of murabahah contracts in accordance with sharia principles in multipurpose financing products.
Co-Authors Abdurrahman, Zulkarnain 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 Aulia Rahma 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 Husnul Khatimah 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 Arif Muhammad Candy Awang Batubara Muhammad Lathief Ilhamy Nasution Muhammad Latif Ilhamy nasution Muhammad Yafiz Nadhri Filka Nadia Fahira Naila Haya Fauziah 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 Reydina Pasya Amanda Rika Umbaiyani Ritonga Risky Sobari Salimah Salimah Samsudin, Samsudin Sariati Nasution Siti Aisyah Siti Chairani Zahwa Siti Jihan 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