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All Journal Majalah Ilmiah Dian Ilmu Ilomata International Journal of Social Science JURNAL ECONOMINA YASIN: Jurnal Pendidikan dan Sosial Budaya PESHUM Menulis: Jurnal Penelitian Nusantara JURNAL ECONETICA: Jurnal Sosial, Ekonomi Dan Bisnis
Abdur Rakhman Wijaya
UIN Kiai Haji Achmad Siddiq Jember
Religion Humanities Decision Sciences, Operations Research & Management Economics, Econometrics & Finance Education Environmental Science Law, Crime, Criminology & Criminal Justice Social Sciences Other

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Dinamika Strategi Pemasaran Tabungan E-MAS oleh Marketing Officer pada Bank Syariah Indonesia KC Jember Sudirman Savina Shafa Afkarina; Zahroh Syifaus Tiqlaliyah; Abdur Rakhman Wijaya
YASIN Vol 6 No 3 (2026): JUNI
Publisher : Lembaga Yasin AlSys

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.58578/yasin.v6i3.10326

Abstract

The development of Islamic banking and the increasing use of digital investment services encourage banks to offer investment products that are secure, practical, and compliant with sharia principles. Tabungan E-mas has emerged as one of the innovations in digital gold investment that requires adaptive marketing strategies to reach various segments of society. This study aims to analyze the dynamics of the Tabungan E-mas marketing strategy implemented by marketing officers at Bank Syariah Indonesia (BSI) Jember Sudirman Branch Office. This study used a qualitative approach with a descriptive design. Data were collected through in-depth interviews with marketing officers and related parties involved in marketing the Tabungan E-mas product at BSI Jember Sudirman Branch Office, then analyzed through the stages of data reduction, data presentation, and conclusion drawing. The results show that the Tabungan E-mas marketing strategy was implemented through the 7P marketing mix approach, which includes product, price, place, promotion, people, process, and physical evidence. Marketing officers play an important role in customer acquisition through direct socialization, Islamic investment education, personal approaches, and the use of digital media. The marketing programs implemented include Kopi Emas, Grebek Pasar, KEPO (Kunjungan Emas Promosi), and Mini Source. The dynamics of the marketing strategy are reflected in the ability of marketing officers to adjust communication methods based on customer characteristics and field conditions. However, the implementation of the strategy still faces obstacles in the form of public perceptions of usury elements, low literacy in digital gold investment, and competition among investment products. This study affirms that the success of Tabungan E-mas marketing is determined not only by product quality but also by the ability of marketing officers to build trust, provide education, and adapt marketing strategies to community needs. The implications of this study provide practical contributions for Islamic banking in designing digital investment marketing strategies that are educational, adaptive, and based on customer trust.
Responsiveness Mediates Accountability and Transparency for Stakeholder Participation in Pondok Pesantren: Responsiveness,Accountability, Transparency, Participation, Pondok Pesantren Munir Is’adi; Abdur Rakhman Wijaya
JURNAL ECONOMINA Vol. 5 No. 4 (2026): JURNAL ECONOMINA, April 2026
Publisher : LPPM Sekolah Tinggi Ilmu Ekonomi 45 Mataram

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.55681/economina.v5i4.1958

Abstract

This study investigates how perceived accountability (PA) and perceived transparency (PT) shape stakeholder participation (PP) in Pondok Pesantren, with perceived responsiveness (PR) as a mediator. Using a quantitative, causal design and Partial Least Squares-Structural Equation Modelling (PLS-SEM), data were collected from 89 stakeholders (students, parents/ guardians, alumni, local community, and donors) across several Pesantren in Jember. The measurement model shows strong reliability and validity (CR = 0.922—0.964; AVE > 0.50; all loadings > 0.70; VIF < 5). The structural model explains 81.5% of the variance in participation (R-square = 81.5%) and 77.3% in responsiveness (R-square = 0.773), with high predictive relevance (Q-Square PP = 0.595; Q-Square PR = 0.558). Key paths indicate that PR → PP is the strongest predictor (O = 0.539; p < 0.001), PT → PR (O = 0.331; p = 0.0012) are significant. Mediation tests confirm full mediation of PR in the PA → PR (O = 0.313; p = 0.002) and partial mediation in the PT → PP link (O = 0.178; p = 0.026). The findings suggest that accountability and transparency foster participation when they are experienced as responsiveness, offering a governance pathway aligned with amanah, ihsan, and shura..
Co-Authors Abdul Rokhim Afrian Abdi Pratama Ahmad Jam'an Shalihin Angelia Suci Sulyani Meylina Nabila Dinda Widia Utami Fatimatuzzahro, Fatimatuzzahro Fitratul Amaliyah M. Is'adur Rofiq Muhamad Syaiful Amin Muhammad Ilham Haikal Maulana Muhammad Musleh Munir Is’adi Mutmainnah Mutmainnah Mutmainnah Nurul Widyawati Islami Rahayu Nusantara, Ari Fahimatussyam Putra Savina Shafa Afkarina Siswanto, Adil Siti Nadila Nur Oktavia Sofiatul Wardah, Silviana Utami, Nuzulul Rizky Sari Uut Tiara Putri Dewi Zahroh Syifaus Tiqlaliyah Zulfa Ahmad Kurniawan