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All Journal Jurnal Pamator : Jurnal Ilmiah Universitas Trunojoyo Madura Dinar: Jurnal Ekonomi dan Keuangan Islam Jurnal Ilmiah Ekonomi Islam Tadbir : Jurnal Studi Manajemen Pendidikan Journal of Humanities and Social Studies JPEK (Jurnal Pendidikan Ekonomi dan Kewirausahaan) Jurnal Ilmiah Edunomika (JIE) Jurnal Darma Agung Ekonomi Bisnis Manajemen dan Akuntansi (EBMA) Jurnal Ekonomi, Manajemen dan Perbankan (Journal of Economics, Management and Banking) Journal La Sociale JURNAL MANAJEMEN AKUNTANSI (JUMSI) SMBJ: Strategic Management Business Journal Innovative: Journal Of Social Science Research
Indra, Ahmad Perdana
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Religion Arts Humanities Civil Engineering, Building, Construction & Architecture Computer Science & IT Decision Sciences, Operations Research & Management Economics, Econometrics & Finance Education Languange, Linguistic, Communication & Media Law, Crime, Criminology & Criminal Justice Library & Information Science Materials Science & Nanotechnology Public Health Social Sciences Other

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Analysis Of Marketing Strategy For Multi-Purpose Fund Products Umrah Loan Increasing The Number Of Customers Saragih, Arif Kusnedi; Syarvina, Wahyu; Indra, Ahmad Perdana
JHSS (JOURNAL OF HUMANITIES AND SOCIAL STUDIES) Vol 9, No 1 (2025): Journal of Humanities and Social Studies
Publisher : UNIVERSITAS PAKUAN

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.33751/jhss.v9i1.11768

Abstract

The purpose of this study is to analyze how the marketing strategy of the umrah advance fund product increases the number of customers. This research method uses a descriptive qualitative approach, with data collection techniques through interviews, observations, and documentation. The collected data is then analyzed descriptively qualitatively to identify and group relevant information. The results of this study indicate that PT. Bank Pembiayaan Rakyat Syariah Al-Wasliyah has succeeded in implementing an effective marketing strategy in marketing the umrah advance fund product. Through a marketing mix that includes aspects of product, price, promotion, location, and cross-selling, this bank can attract customers, especially ASN, who want to perform the umrah pilgrimage but are constrained by financial problems. Product advantages, such as ease of payment without penalties and cooperation with quality umrah travel, are the main attractions for customers. Competitive pricing strategies and promotions carried out through word of mouth, distribution of brochures, and a personal selling approach further strengthen the marketing of this product. In conclusion, PT Bank Pembiayaan Rakyat Syariah Al-Wasliyah has succeeded in implementing a marketing strategy by increasing the number of customers. 
Optimization of Sharia Marketing Strategy in Increasing Customer Interest in Hajj Savings Products at Bank Syariah Indonesia Kc Rantauprapat Ningruma, Dyah Asti; Indra, Ahmad Perdana; Anggraini, Tuti
JHSS (JOURNAL OF HUMANITIES AND SOCIAL STUDIES) Vol 9, No 2 (2025): Journal of Humanities and Social Studies
Publisher : UNIVERSITAS PAKUAN

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.33751/jhss.v9i2.12080

Abstract

This study aims to analyze the effectiveness of sharia marketing strategies in increasing customer interest in Hajj Savings products at Bank Syariah Indonesia (BSI) KC Rantauprapat. This research uses a qualitative approach with descriptive methods. Data were collected through in-depth interviews with marketers and customers, as well as analyzing trends in the number of customers from 2021 to 2024. The results showed that financial transparency and competitive profit-sharing schemes have a significant influence on customer decisions in choosing Hajj Savings. In addition, community-based marketing strategies, such as socialization in community organizations and educational institutions, are proven to increase customer trust and loyalty. Thus, the combination of community-based marketing strategies, financial transparency, product innovation, and service digitalization is a key factor in strengthening the competitiveness of Islamic banking. The implications of this study can be used as a model for optimizing Islamic marketing for other Islamic banks in Indonesia.
Peran Bank Pembiayaan Rakyat Syariah (BPRS) dalam Pengembangan UMKM di Indonesia (Studi Kasus pada Bank Pembiayaan Rakyat Syariah Serambi Mekah, Langsa) Pasaribu, Rifdah Atika; Indra, Ahmad Perdana
Innovative: Journal Of Social Science Research Vol. 4 No. 3 (2024): Innovative: Journal Of Social Science Research (Special Issue)
Publisher : Universitas Pahlawan Tuanku Tambusai

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.31004/innovative.v4i3.12100

Abstract

Usaha Mikro, Kecil, dan Menengah (UMKM) memainkan peran penting dalam perekonomian Indonesia, berkontribusi secara signifikan terhadap penyerapan tenaga kerja dan pertumbuhan ekonomi. Namun, akses terhadap pembiayaan masih menjadi tantangan besar bagi banyak UMKM, menghambat pengembangan dan ekspansi mereka. Bank Pembiayaan Rakyat Syariah (BPRS) telah muncul sebagai sumber pembiayaan alternatif bagi UMKM, terutama di daerah pedesaan dan terpencil. Penelitian ini bertujuan untuk mengeksplorasi peran BPRS Serambi Mekah dalam pengembangan UMKM di Langsa, Indonesia. Dengan menggunakan pendekatan kualitatif, penelitian ini mengkaji produk dan layanan pembiayaan yang ditawarkan oleh BPRS Serambi Mekah, tantangan yang dihadapi UMKM dalam mengakses pembiayaan, serta dampak pembiayaan BPRS terhadap pertumbuhan dan perkembangan UMKM. Temuan dari penelitian ini berkontribusi pada pemahaman yang lebih baik tentang peran BPRS dalam mendukung sektor UMKM dan memberikan wawasan bagi pembuat kebijakan dan pemangku kepentingan dalam mempromosikan pengembangan UMKM yang berkelanjutan melalui pembiayaan yang sesuai dengan prinsip syariah.
Pengaruh Pengalaman Nasabah Dalam Penggunaan MBanking Terhadap Loyalitas Nasabah Bank Syariah Indonesia (Studi Kasus Masyarakat Sei Mencirim) Syahira, Tira; Indra, Ahmad Perdana; Anggraini, Tuti
Jurnal Ilmiah Ekonomi Islam Vol. 10 No. 1 (2024): JIEI : Vol.10, No.1, 2024
Publisher : ITB AAS INDONESIA Surakarta

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.29040/jiei.v10i1.13347

Abstract

The purpose of this research is to determine whether a company's ability to retain its current customers is more important than its ability to acquire new customers. BSI wants to increase customer satisfaction and service quality by growing customer loyalty through mobile banking. Even though many BSI clients already have BSI Mobile, not all of them make full use of it. Therefore, the level of customer loyalty when using BSI Mobile is not too high. This is based on consumer interviews with BSI mobile banking users which show that consumers often decide to make transactions via BSI Mobile. The reason is that BSI Mobile is more user friendly and convenient; all you need is a smartphone to use it anytime, anywhere. For customers who decide not to use BSI Mobile for transactions due to lack of security, increased vulnerability to fraud, and ease of hacking. The aim of this research is to analyze and assess how customer experience and service quality influence BSI mobile banking customer loyalty, both partially and simultaneously. A quantitative approach was used in this research. This data was collected through survey research techniques on BSI customers who use mobile banking services. Customer loyalty and service quality in BSI mobile banking are positively and significantly influenced by customer experience, according to research findings
PENGARUH PENERAPAN BONUS PADA TABUNGAN WADI'AH (YAD DHAMANAH) DAN NISBAH BAGI HASIL TABUNGAN MUDHARABAH TERHADAP TINGKAT KEPUASAN NASABAH (STUDI KASUS BSI KCP MEDAN PULO BRAYAN) Ayuni, Ifti; Indra, Ahmad Perdana; Anggraini, Tuti
JURNAL ILMIAH EDUNOMIKA Vol. 8 No. 1 (2024): EDUNOMIKA
Publisher : ITB AAS Indonesia Surakarta

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.29040/jie.v8i1.10611

Abstract

The purpose of this study is to ascertain the connection between and consequences of the installation of bonuses on savings wadi'ah (yad dhamanah) and the ratio of savings income to customer satisfaction. This sort of analysis is quantitative and uses data from the whole customer base of the bank BSI KCP Medan Pulo Brayan in 2022. Of those customers, 3.210 used the savings yad adh-dhamanah product and 5.540 used the savings mudharabah product. According to the study's findings, customer satisfaction in Bsi Kcp Campo Pulo Brayan was greatly positively impacted by partially displaying the Wadi'ah Savings Bonus and the ratio of income from savings. Ratio to Results (X2) has a strong beneficial effect on customer satisfaction in Bsi Kcp Field Pulo Brayan while also displaying Wadi'ah Savings Bonus (X1). It has been established that this has a Fitung value of 552,773 and a significance of 0. For the value of Calculus > Ftable is 552,773 > 3.09, and at the significance value () 0.05 is 0,000 0.05. As a result, it can be said that Wadi'ah Savings Bonus (X1) and Ratio to Mudharabah Savings Outcome (X2), two free factors, simultaneously have a considerable beneficial influence on bound variables related to customer happiness. (Y). Keywords : Wadi’ah Savings Bonus, Proportion to Results, Savings in Expenses, Customer Satisfaction
Pengaruh Ancaman Siber dan Strategi Mitigasi Risiko terhadap Minat Menggunakan Layanan Mobile Banking BSI (Studi Kasus Mahasiswa FEBI UIN Sumatera Utara) Ritonga, Siti Zuhairoh; Aslami, Nuri; Indra, Ahmad Perdana
Jurnal Ekonomi, Manajemen dan Perbankan (Journal of Economics, Management and Banking) Vol. 12 No. 1 (2026): Jurnal Ekonomi, Manajemen dan Perbankan (Journal of Economics, Management and
Publisher : STIE Indonesia Banking School

Show Abstract | Download Original | Original Source | Check in Google Scholar

Abstract

The advancement of digital technology prompts Islamic banking to enhance mobile banking services for improved transaction efficiency, while simultaneously increasing cyber dangers that may impact user engagement. “This study seeks to examine the impact of cyber threats and risk mitigation techniques on the inclination to utilize BSI mobile banking services among FEBI UIN North Sumatra students. The methodology employed is quantitative associative, utilizing a sample of 100 respondents chosen by purposive sampling methods. Data collection was executed via a Likert-scale questionnaire and analyzed through multiple linear regression utilizing SPSS version 25. The study's findings demonstrate that cyber threats exert a positive and significant impact on the inclination to utilize mobile banking, evidenced by a t value of 3.488 and a significance level of 0.001. Additionally, risk mitigation strategies also show a positive and significant effect, with a t value of 8.951 and a significance level of 0.000, marking them as the most influential variables. Collectively, these two variables affect interest in usage, with a coefficient of determination of 0.708, signifying that 70.8% of the variance in interest in mobile banking utilization can be accounted for by these variables. The findings of this study demonstrate that, despite the presence of cyber dangers, the application of effective risk mitigation techniques can enhance trust and stimulate interest in utilizing mobile banking services.
THE INFLUENCE OF FINANCIAL LITERACY AND FINANCIAL SELF-EFFICACY ON FINANCIAL MANAGEMENT BEHAVIOR OF GENERATION Z IN MEDAN CITY Damanik, Farida Syah; Nurwani, Nurwani; Indra, Ahmad Perdana
Dinar : Jurnal Ekonomi dan Keuangan Islam Vol 13, No 1: Januari 2026
Publisher : Universitas Trunojoyo Madura

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.21107/dinar.v13i1.34170

Abstract

This study aims to analyze the influence of financial literacy and financial self-efficacy on financial management behavior among Generation Z in Medan City, both partially and simultaneously. The population in this study was all Generation Z in Medan City. The study used a quantitative approach with data collection techniques through distributing questionnaires. A sample of 100 respondents was selected using an accidental sampling technique. Data analysis was carried out using multiple linear regression through stages of validity, reliability, classical assumptions, t-test, F-test, and coefficient of determination. The results showed that financial literacy and financial self-efficacy have a positive and significant effect on financial management behavior, both partially and simultaneously. These findings indicate that increasing financial literacy and an individual's self-confidence in their ability to manage finances play an important role in shaping better financial behavior in the younger generation.
The Influence Of Shariah Compliance And Customer Perception On The Decision To Save Mudharabah Savings Products At Bank Syariah Indonesia Rizqiyah, Anisah; Anggraini, Tuti; Indra, Ahmad Perdana
Jurnal Pamator : Jurnal Ilmiah Universitas Trunojoyo Vol 18, No 1: 2025
Publisher : Universitas Trunodjoyo Madura

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.21107/pamator.v18i1.29493

Abstract

The integrity and credibility of Islamic banks are highly dependent on compliance with Islamic principles. Non-compliance can lower public trust and affect their decision to use Islamic banking services. In addition, people's perceptions and attitudes influenced by their understanding also play an important role in the decision to save or use Islamic bank products. This research intends to analyze the influence of Shariah Compliance and Customer Perception on the decision to save mudharabah savings products for the gift party. This research uses quantitative research techniques with field research methods. The total population is 37 people, namely customers of Bank Syariah Indonesia KC Medan Ahmad Yani who have saved and used Mudharabah Savings products for Gift Parties and all pupulations are used as samples. Data collection techniques with questionnaires. The data was analyzed using the SPSS application version 27. The results of the study show that Sharia Compliance and Customer Perception together (simultaneously) have a positive and significant influence on Saving Decisions. This is evidenced by the value of F calculated 44.649 F table 3.28 and the probability of significance 0.000 0.05.
Co-Authors Ayuni, Ifti Budi Harianto Damanik, Farida Syah Elida Elfi Barus, Elida Elfi Elvina, Ayu Hermain, Hendra Irham, Mawaddah Lestari, Aprilia muhammad Syahbudi, muhammad Nafisah, Suhailatun Ningruma, Dyah Asti Nuri Aslami Nurwani Nurwani, Nurwani Pasaribu, Rifdah Atika Prisna, Nila Dera Purba, Rendi Ritonga, Ainun Jakia Ritonga, Siti Zuhairoh Rizqiyah, Anisah Saragih, Arif Kusnedi Syahira, Tira Tuti Anggraini Wahyu Syarvina Wijaya, Rio