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All Journal Pendas : Jurnah Ilmiah Pendidikan Dasar Ta`Limuna : Jurnal Pendidikan Islam Al Ibtidaiyah: Jurnal Pendidikan Guru Madrasah Ibtidaiyah PENGABDIAN SOSIAL Journal Of Indonesian Social Society Tabsyir: Jurnal Dakwah Dan Sosial Humaniora Jurnal Foundry JURNAL MULTIDISIPLIN ILMU AKADEMIK Journal of Sciencce Technology and Visual Culture
Abdul Muhyi
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ANALISIS STRATEGI PENGHIMPUNAN DANA (FUNDING) BANK MUAMALAT INDONESIA KCP SUKABUMI DALAM MENINGKATKAN DAYA SAING PERBANKAN SYARIAH Risna Nurul Insani; Abdul Muhyi; Moch Salman Alfarizi; Ihsan Nultam
Pendas : Jurnal Ilmiah Pendidikan Dasar Vol. 11 No. 02 (2026): Volume 11 No. 2, Juni 2026 Release
Publisher : Program Studi Pendidikan Guru Sekolah Dasar FKIP Universitas Pasundan

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.23969/jp.v11i02.46022

Abstract

In an effort to enhance competitiveness in the Islamic banking industry, this study investigates the fundraising strategy of PT Bank Muamalat Indonesia Tbk. KCP Sukabumi. Data were collected through banking operation documentation, field observations, and in-depth interviews using descriptive qualitative research methods. The results show that Bank Muamalat KCP Sukabumi uses an integrative strategy to increase Current Account Saving Account (CASA) through savings and checking products based on Wadiah and Mudharabah contracts. This is optimized through digital transformation with the Muamalat DIN application, institutional collaboration, and a community-based marketing approach that leverages the strong religious base in the Sukabumi region to achieve this goal. Although the bank is known as a pioneer of pure Islamic banks, according to a SWOT analysis, their limited physical infrastructure and intense competition from large banks and digital entities. This fundraising strategy has proven very beneficial in reducing funding costs, maintaining liquidity stability, and strengthening customer loyalty through spiritual and emotional approaches. According to this study, to maintain competitive advantage and sustainable profitability in the local and national financial markets, Bank Muamalat must strengthen its digital ecosystem and improve Islamic financial literacy.
Co-Authors Adnan Buyung Nasution Akmal Afif Kenedi Andrean Prima Jaya Manalu Aurahman, Sifa Bachtiar Manti, Biltiser Bunga Anisa Hikayat Cucu Surahman Devia Gahana CA Dwi Novaria Misidawati Eko Pujiyuliyanto Elfrida Ratnawati Fajar Paundra Fardhan Gurun Sangra Yusman Fathudin Ali Fil Isnaeni Fil Isnaeni Hasan Basri Ihsan Nultam Izzatul Iffah Jooned Hendrasakti Khairunnisa Moch Salman Alfarizi Mudzakir Mudzakir Muhammad Rif’an Muhammad Syaukani Mukhlisin Mukhlisin Rahmatullah Rusli Rani Mutia Sari Rico Aditia Prahmana Risna Nurul Insani Septian Arief Budiman Setiyo Rojikin Siti Karimah Yudi Kurniawan YUNUS Yusuf Kornelius Siahaan