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All Journal Jurnal Riset Multidisiplin Edukasi AT-TAKLIM: Jurnal Pendidikan Multidisiplin
Andini Amalia Putri SW
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STRATEGI PEMASARAN SEBAGAI FAKTOR PENENTU KEBERHASILAN PRODUK TABUNGAN DAN PEMBIAYAAN di PT BPRS HAJI MISKIN Andini Amalia Putri SW; Mia lasmi Wardiyah
Jurnal Riset Multidisiplin Edukasi Vol. 2 No. 7 (2025): Jurnal Riset Multidisiplin Edukasi (Edisi Juli 2025)
Publisher : PT. Hasba Edukasi Mandiri

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.71282/jurmie.v2i7.617

Abstract

This study examines the marketing strategies for savings and financing products at PT. BPRS Haji Miskin, a sharia rural bank in Indonesia. Using a descriptive qualitative approach, data were collected through interviews, observation, and documentation involving management and marketing staff. The findings reveal that effective market segmentation, product development tailored to local needs and sharia principles, and ethical promotional strategies are key to attracting new customers and retaining existing ones. The bank’s educational and personal approach helps improve public understanding of sharia financial products. However, challenges remain, including low financial literacy and limited marketing resources. The study highlights the need for continuous innovation and digital technology adoption to expand market reach and enhance competitiveness. The results are expected to enrich the literature on Islamic banking marketing and provide practical recommendations for developing more effective and sustainable marketing strategies at PT. BPRS Haji Miskin.
PERAN AKUNTANSI SYARIAH DALAM MENINGKATKAN TRANSPARANSI DAN AKUNTABILITAS DI PT. BPRS HAJI MISKIN Andini Amalia Putri SW; Iwan Setiawan
AT-TAKLIM: Jurnal Pendidikan Multidisiplin Vol. 2 No. 7 (2025): At-Taklim: Jurnal Pendidikan Multidisiplin (Edisi Juli)
Publisher : PT. Hasba Edukasi Mandiri

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.71282/at-taklim.v2i7.722

Abstract

This study explores the role of sharia accounting in enhancing transparency and accountability at PT. BPRS Haji Miskin. Employing a descriptive qualitative approach, primary data were collected through interviews, observation, and documentation involving managers and accounting staff. The findings show that the implementation of the Statement of Financial Accounting Standards for Sharia (PSAK Syariah) and guidelines from the National Sharia Council (DSN-MUI) in the process of recording and reporting sharia-based financing supports transparent and accountable financial administration. However, there are notable challenges, such as limited human resources with in-depth understanding of sharia accounting and the difficulties of integrating information technology systems. Efforts to improve transparency and accountability are carried out through intensive training, collaboration with regulators, and the digitization of accounting systems. The results of this research are expected to contribute to the development of better and more sustainable sharia financial governance practices in Indonesia’s sharia banking sector.
Co-Authors Iwan Setiawan Mia Lasmi Wardiyah, Mia Lasmi