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All Journal Jurnal Pamator : Jurnal Ilmiah Universitas Trunojoyo Madura 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 Academia Open Ekonomi Bisnis Manajemen dan Akuntansi (EBMA) Journal La Sociale JURNAL MANAJEMEN AKUNTANSI (JUMSI) SMBJ: Strategic Management Business Journal Innovative: Journal Of Social Science Research IIJSE
Indra, Ahmad Perdana
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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.
Murabahah Financing, Interest Rates, Inflation, and Margin Income of Islamic Banks: Pembiayaan Murabahah, Suku Bunga, Inflasi, dan Pendapatan Margin Bank Syariah Wijaya, Rio; Anggraini, Tuti; Indra, Ahmad Perdana
Academia Open Vol. 10 No. 2 (2025): December
Publisher : Universitas Muhammadiyah Sidoarjo

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.21070/acopen.10.2025.11803

Abstract

Background (General): Islamic banks play a crucial role in Indonesia’s financial system, with murabahah financing serving as a primary income source. Background (Specific): While murabahah margins are fixed and independent of interest rate fluctuations, macroeconomic variables such as interest rates and inflation may still indirectly affect bank profitability. Knowledge Gap: Previous studies largely focused on annual pre-pandemic data, overlooking quarterly dynamics during the post-pandemic period, when monetary and market conditions changed significantly. Aim: This study examines the effects of murabahah financing, interest rates, and inflation on murabahah margin income in Indonesian Islamic banks during 2020–2024 using quarterly data. Results: Multiple regression analysis of 30 observations from six banks shows murabahah financing has a significant positive effect on margin income, whereas interest rates and inflation show no significant individual impact. Jointly, all three variables significantly influence margin income. Novelty: The research introduces a post-pandemic, quarterly dataset and simultaneously tests three key financial and macroeconomic variables in the murabahah context. Implications: Findings affirm the strategic importance of murabahah financing as a stable revenue driver, suggesting Islamic banks should prioritize financing expansion and operational efficiency over short-term macroeconomic fluctuations when formulating pricing and portfolio strategies.Highlight : Murabahah financing has a significant positive effect on margin income. Interest rates and inflation have no partial effect. All three variables have a simultaneous significant effect. Keywords : Murabahah Financing; Interest Rates; Inflation; Murabahah Margin Income; Islamic Banks
Students Perceptions in Choosing the Sharia Banking Major in Relation to Future Career Prospects (Case Study on Sharia Banking Students at UINSU) Azzahra, Annisa Aulia; Anggraini, Tuti; Indra, Ahmad Perdana
Indonesian Interdisciplinary Journal of Sharia Economics (IIJSE) Vol 8 No 3 (2025): Sharia Economics
Publisher : Sharia Economics Department Universitas KH. Abdul Chalim, Mojokerto

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.31538/iijse.v8i3.8639

Abstract

Student perception plays a vital role in shaping attitudes, interests, and decisions, particularly in choosing a major and planning a career. Each individual has different perceptions depending on background, expectations, and information received. This study aims to explore the perceptions of final-year and new students in choosing the Sharia Banking major with regard to career prospects. Many students still believe that graduates can only work in banks, although opportunities are more diverse. The research method applied is qualitative, using open-ended questionnaires distributed to 100 respondents, consisting of 50 new and 50 final-year students. The findings show that final-year students possess a broader understanding due to academic and internship experiences, while new students tend to have limited views. Factors influencing perceptions include experience, knowledge, and environment. The study suggests the need for early career prospect socialization, stronger collaboration between universities and industry, and students’ active efforts in seeking information and developing skills.
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
Co-Authors Ayuni, Ifti Azzahra, Annisa Aulia Budi Harianto, Budi Elida Elfi Barus, Elida Elfi Elvina, Ayu Hermain, Hendra Irham, Mawaddah Lestari, Aprilia muhammad Syahbudi, muhammad Nafisah, Suhailatun Ningruma, Dyah Asti Pasaribu, Rifdah Atika Prisna, Nila Dera Purba, Rendi Ritonga, Ainun Jakia Rizqiyah, Anisah Saragih, Arif Kusnedi Syahira, Tira Tuti Anggraini Wahyu Syarvina Wijaya, Rio