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All Journal EKOMBIS REVIEW: Jurnal Ilmiah Ekonomi dan Bisnis Jurnal Masharif al-Syariah: Jurnal Ekonomi dan Perbankan Syariah Multidiciplinary Output Research for Actual and International Issue (Morfai Journal)
Rukhul Amin
Universitas Muhammadiyah Surabaya
Religion Agriculture, Biological Sciences & Forestry Arts Humanities Chemical Engineering, Chemistry & Bioengineering Civil Engineering, Building, Construction & Architecture Computer Science & IT Decision Sciences, Operations Research & Management Economics, Econometrics & Finance Education Energy Engineering Environmental Science Health Professions Languange, Linguistic, Communication & Media Law, Crime, Criminology & Criminal Justice Library & Information Science Materials Science & Nanotechnology Social Sciences Other

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Implementasi Sharia Compliance Supervision di BPRS Amanah Sejahtera Gresik Rukhul Amin; Abdul Mujib
Jurnal Masharif al-Syariah: Jurnal Ekonomi dan Perbankan Syariah Vol 8 No 4 (2023)
Publisher : Universitas Muhammadiyah Surabaya

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.30651/jms.v8i4.21090

Abstract

This research aims to answer the question regarding how to implement sharia compliance supervision at BPRS Amanah Sejahtera Gresik. The type of research used is field research using qualitative methods with a prospective case study approach (Prospective Case Study) and described descriptively. The research results obtained show that sharia supervision at BPRS Amanah Sejahtera Gresik is generally carried out in 2 ways. First, every new product/activity that will be launched. Second, supervision is also carried out on products/activities that have been launched. Both forms of supervision are carried out in several stages which have been adapted to applicable regulations
MARKETING STRATEGY ANALYSIS OF GOLD PAWN PRODUCTS AT BANK SYARIAH INDONESIA: CASE STUDY AT BANK SYARIAH INDONESIA KCP SIDOARJO AHMAD YANI Erika; Rukhul Amin; Haqiqi Rafsanjani
Multidiciplinary Output Research For Actual and International Issue (MORFAI) Vol. 5 No. 1 (2025): Multidiciplinary Output Research For Actual and International Issue
Publisher : RADJA PUBLIKA

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.54443/morfai.v5i1.2533

Abstract

This study analyzes the marketing strategy of gold pawn products at Bank Syariah Indonesia (BSI) KCP Sidoarjo Ahmad Yani with the Marketing Mix 7P approach. The method used is qualitative with a phenomenological approach, where data is obtained through interviews and observations. The results of the study indicate that the marketing strategy includes products, prices, promotions, places, people, physical evidence, and processes. BSI gold pawn products excel in low deposit fees (ujroh), high estimated value, and fast service through BSI Mobile and Byond. The pricing strategy uses the Basic Gold Price (HDE) based on the average gold price in the last four months and considering competitor prices. Promotion is carried out through flyers, banners, socialization, application pop-ups, and WA Blast. Product distribution is easier with digital services that allow customers to make transactions without going to a branch office. In terms of service, customer service plays a role in providing information and assisting with transactions. Physical evidence can be seen from the office facilities and attractive promotional materials. The gold pawn process is made efficient, from handing over gold to disbursing funds and extending the pawn digitally. Although still facing competition with conventional pawnshops, the 7P-based marketing strategy has proven to increase the appeal of this product. More aggressive innovation and promotion are needed so that BSI gold pawnshops are better known to the public.
MARKETING STRATEGY ANALYSIS OF SAVINGS PRODUCTS AT PT BANK MUAMALAT KCP WIYUNG Fahrur Rosi; Dian Berkah; Rukhul Amin
Multidiciplinary Output Research For Actual and International Issue (MORFAI) Vol. 5 No. 4 (2025): Multidiciplinary Output Research For Actual and International Issue
Publisher : RADJA PUBLIKA

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.54443/morfai.v5i1.2555

Abstract

This study examines the implementation of savings product marketing strategies at PT Bank Muamalat KC Wiyung and its impact on increasing the number of customers and savings funds. In-depth interviews were conducted with the branch managers of Bank Muamalat Wiyung to obtain an overview of how the bank markets savings products and the challenges faced in implementing them. The results of the study indicate that a combination of marketing strategies through sharia channels such as branch offices and digital such as mobile banking and the use of referral programs can effectively attract new customers and retain old customers. In addition, the implementation of a personal approach through direct visits and promotional campaigns strengthens customer relationships with the bank. However, the bank still faces challenges from intense competition and difficulties in introducing new products to an increasingly growing market. This study highlights the importance of managing innovative and sustainable marketing strategies, and how this can increase customer loyalty and the competitiveness of Bank Muamalat's savings products in the sharia banking market.
Analysis of Islamic Bank Marketing Strategies in Increasing Easy Wadiah Savings Products at BSI KCP Rungkut 1 Mohammad Diki Kurniawan; Rukhul Amin; Dian Berkah
EKOMBIS REVIEW: Jurnal Ilmiah Ekonomi dan Bisnis Vol 13 No 4 (2025): Oktober
Publisher : UNIVED Press

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.37676/ekombis.v13i4.8449

Abstract

This study aims to analyze marketing strategies in improving Easy Wadiah Savings products at Bank Syariah Indonesia (BSI) KCP Rungkut 1. This study uses a qualitative approach with a case study method, where data is obtained through direct interviews with the bank as well as related documentation and literature. The results of the study indicate that BSI KCP Rungkut 1 has implemented a marketing strategy based on a marketing mix (7P), which includes products, prices, places, promotions, processes, human resources, and physical evidence. Strategies such as direct reward programs, QRIS cashback promotions, customer education, and community approaches have proven effective in attracting customer interest, especially micro segments such as housewives, students, and MSMEs. The main obstacles faced are low sharia financial literacy and competition with conventional banks. Therefore, increasing community-based literacy and optimizing local digital marketing strategies are important recommendations to strengthen the competitiveness of Easy Wadiah Savings products. This study is expected to be a reference for sharia financial institutions in designing more effective and sustainable marketing strategies.
Analysis Of Junior Savings Marketing Strategy At BSI KCP Surabaya Rungkut 1: Perspective Sharia Marketing Ahmad Mubarroq Dawam; Fatkur Huda; Rukhul Amin
EKOMBIS REVIEW: Jurnal Ilmiah Ekonomi dan Bisnis Vol 14 No 1 (2026): Januari
Publisher : UNIVED Press

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.37676/ekombis.v14i1.9022

Abstract

This study aims to analyze the marketing strategy of the Junior Savings product at BSI KCP Surabaya Rungkut 1 from a sharia marketing perspective. This study primarily focuses on identifying the types and models of marketing strategies used and assessing the effectiveness of these approaches in attracting child customers. This study used qualitative methods by conducting in-depth interviews with individuals associated with BSI. The research findings indicate that BSI KCP Surabaya Rungkut 1 implements a marketing strategy through the 7P approach (Product, Price, Place, Promotion, People, Process, Physical Evidence) that aligns with sharia principles. This strategy includes collaboration with educational institutions, online promotions using text messages, involvement in children's events, and financial education presented in an engaging and educational manner. The use of the auto-debit feature and financial literacy activities from an early age are added value in fostering savings habits in children in accordance with Islamic teachings. Sharia marketing is reflected in an approach that emphasizes honesty, openness, trustworthiness, and blessings in every marketing step taken. Despite increasing public interest, challenges remain, such as limited digital access and a lack of public awareness of the importance of savings for children. Therefore, strengthening digital innovation, increasing financial literacy, and developing more flexible contracts are strategic steps to strengthen the marketing of Junior Savings in the future.
Co-Authors Abdul Mujib Ahmad Mubarroq Dawam Dian Berkah Erika Fahrur Rosi Fatkur Huda Haqiqi Rafsanjani Mohammad Diki Kurniawan