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All Journal J-MAS (Jurnal Manajemen dan Sains) Kunuz: Journal of Islamic Banking and Finance Maqrizi : Journal of Economics and Islamic Economics
Fitria Ayu Lestari Niu
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Religion Economics, Econometrics & Finance Social Sciences

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Customer Understanding of the Profit-Sharing Ratio at Muamalat Bank Fitria Ayu Lestari Niu; Karlina Aprilianingrum Bawenti; Syarifuddin Syarifuddin
Kunuz: Journal of Islamic Banking and Finance Vol 2 No 1 (2022): Vol2 No 1 (2022)
Publisher : Program Study Islamic Banking, Faculty of Economics and Bussiness Islam, State Islamic Institute of Manado (IAIN) Manado

Show Abstract | Download Original | Original Source | Check in Google Scholar | Full PDF (335.063 KB) | DOI: 10.30984/kunuz.v2i1.228

Abstract

This study aims to determine the customer understanding of the profit-sharing ratio at Muamalat Bank Branch Manado using a qualitative method. The data in this study were obtained through triangulation techniques consisting of interviews, observations, and documentation. The data analysis method used includes the stages of data reduction, data presentation, and concluding. The result showed that, generally, the customer understanding of the profit-sharing ratio of savings products at Bank Muamalat is still inadequate. Customers do not understand clearly and in detail savings products (names and types of the savings product). It caused customers not to get an explanation and product knowledge from the bank at the beginning of the account opening. In explaining his understanding of profit-sharing, the customer depends on his educational background and profession. Customer understanding can also be seen from the selected savings products where the main informant has prime savings while the regular informant chooses everyday savings. The implications for knowledge are sozialication role from the bank, educational and occupational backgrounds as factors that affect the level of customer understanding. For the bank to provide feedback as material for the improvement of the quality of banking services and products based on Islamic principles and competitive for its share
Camel Method Analysis on PT. Bank SulutGo Financial Statements for the Period 2017-2021 Fitria Ayu Lestari Niu; Heince Ruddy Nicky Wokas; Elda Roring
Kunuz: Journal of Islamic Banking and Finance Vol 2 No 2 (2022)
Publisher : Program Study Islamic Banking, Faculty of Economics and Bussiness Islam, State Islamic Institute of Manado (IAIN) Manado

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.30984/kunuz.v2i2.393

Abstract

This study aims to analyze the level of health of the PT. Bank SulutGo in the period of 2017-2021 using the CAMEL method. The research used a quantitative descriptive method. The data display was in the form of documentation that is the data managed based on the financial statement of PT. Bank SulutGo during the period of 2017-2021. The data analysis technique using the CAMEL that is the capital adequacy ratio (CAR), asset quality (KAP), Management (NPM), Rentability (ROA and BOPO), and Liquidity (LDR) ratios. The results indicated the level of health of PT. Bank SulutGo, before the pandemic in 2017 to 2018, was predicated as healthy, with average CAMEL scores of 81% and 84%. Whereas in 2019, it decreased with a reasonably healthy predicate with a CAMEL score of 78%, which was influenced by the performance aspects of management and liquidity, which were unhealthy. However, in 2020 and 2021, during the covid-19 pandemic, it did not affect the level of health of PT. Bank SulutGo, this can be seen from the CAMEL scores of 86% and 82%, which means that predicated as healthy.
Pengaruh Kualitas Produk Terhadap Keputusan Pembelian Air Kemasan Aqua Pada Masyarakat Lingkungan IV Di Kelurahan Malendeng Fitria Ayu Lestari Niu; Mutiara Mokodompit
Maqrizi: Journal of Economics and Islamic Economics Vol 1 No 1 (2021): MAQRIZI: JOURNAL OF ECONOMICS AND ISLAMIC ECONOMICS
Publisher : Program Studi Ekonomi Syariah, Fakultas Ekonomi dan Bisnis Islam Institut Agama Islam Negeri Manado

Show Abstract | Download Original | Original Source | Check in Google Scholar | Full PDF (980.421 KB) | DOI: 10.30984/maqrizi.v1i1.31

Abstract

Penelitian ini bertujuan untuk mengetahui pengaruh kualitas produk terhadap keputusan pembelian air mineral dalam kemasan di Kota Manado desa Perkamil, Kelurahan Malendeng Lingkungan IV. Penelitian ini menggunakan metode penelitian kuantitatif, Dalam penelitian ini, pendekatan yang digunakan adalah pendekatan survey. Pada penelititian ini pada proses pengolahan data perhitungannya dibuat dengan bantuan program SPPS (Statistic Product and Service Solution) versi 16. Berdasarkan hasil penelitian, bahwa semakin tinggi kualitas produk air kemasan aqua semakin tinggi pula tingkat keputusan pembelian, begitu juga sebaliknya. Maka dapat dinyatakan Ho ditolak dan Ha diterima, yang berarti signifikan. Jadi dengan demikian terdapat pengaruh yang signifikan antara kualitas produk terhadap keputusan pembelian air kemasan aqua pada masyarakat lingkungan IV di kelurahan Malendeng.
Strategi Pemasaran: Implementasi Promosi Word of Mouth Terhadap Minat Nasabah Memilih Produk Bank Radlyah Hasan Jan; Fitria Ayu Lestari Niu; Putri Oktavia Mokoginta
J-MAS (Jurnal Manajemen dan Sains) Vol 8, No 1 (2023): April
Publisher : Universitas Batanghari

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.33087/jmas.v8i1.990

Abstract

The existence of competition in the banking industry in marketing products and forming customer interest in choosing banking products is a major challenge. The various marketing strategies that are common and often implemented by banks include promotional media such as pamphlets, brochures, advertisements, mass media, social media, and so on. Other promotional media are considered very effective, namely, communication media commonly called Word of Mouth (WoM) communication. The Prisma Dana Bank Kotamobagu Branch seems to lack promotion of its products. However, many people are interested in using credit loans and saving products of Prisma Dana Bank Kotamobagu Branch, so this study aims to describe the implementation of the Word of Mouth promotion strategy towards customer interest in customer interest in choosing products Prisma Dana Bank Kotamobagu Branch by using descriptive qualitative methods. Data was collected through the stages of direct observation in the field, direct interviews with informants consisting of leaders, employees, and customers, and documentation in the relevant literature, documents, and results of previous studies. The data that has been collected is then analyzed through the stages of data reduction, data display, and conclusion. The results show that the thing that forms Word of Mouth among customers is the satisfaction obtained from the services and benefits from the products provided by Prisma Dana Bank Kotamobagu Branch to its customers in the form of recommendations and testimonials from the customer’s experiences to friends, relatives, and family. In other words, the higher the level of customer satisfaction, the more the Word of Mouth promotion is formed and runs among the public. Service quality and product benefits can build interest and directly promote Word of Mouth promotional communication between customers through customer satisfaction.
Co-Authors Elda Roring Heince Ruddy Nicky Wokas Karlina Aprilianingrum Bawenti Mutiara Mokodompit Putri Oktavia Mokoginta Radlyah Hasan Jan Syarifuddin Syarifuddin