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All Journal Istinbath Pelita : Jurnal Penelitian dan Karya Ilmiah ISTINBATH
Azizah, Latifah Ayu
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Religion Humanities Economics, Econometrics & Finance Education Other

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ANALISIS AKAD MURABAHAH PADA PRODUK CICIL EMAS TERHADAP MINAT NASABAH DALAM PERSEPEKTIF EKONOMI ISLAM  PADA BANK SYARIAH INDONESIA KCP JAKABARING PALEMBANG Putri, Ramanda; Rizka Apriani; Azizah, Latifah Ayu; Bella, Sintia; Azwari, Peny Cahaya
Istinbath Vol 16 No 2 (2024): Istinbath
Publisher : Kopertais Wilayah VII Palembang

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.19109/istinbath.v16i1.25832

Abstract

Banks have a primary function as collectors and distributors of funds, while additional services act as supporters. The presence of Islamic banking, such as Bank Syariah Indonesia (BSI), is expected to increase economic growth, especially in Muslim-majority countries like Indonesia. BSI was officially launched on February 1, 2021 through the merger of several government-owned Islamic banks. Innovative products, such as BSI Gold Installments, are one of the efforts to attract public interest in Islamic banking services. BSI Gold Installments utilize murabahah and rahn contracts, which are in accordance with sharia principles, to allow customers to own gold in stages with light payments. Gold is chosen because of its stability in value and its ability to fight inflation, making it an attractive investment. This study aims to analyze the BSI Gold Installment product in increasing customer financing, especially at BSI KCP Palembang Jakabaring, using a descriptive qualitative method. The results show that service excellence, product innovation, and contract transparency are the main factors in the success of this product in meeting the investment needs of the community. However, challenges remain, including low customer interest due to lack of education and promotion. Therefore, BSI is expected to continue to develop marketing strategies and sharia-based product innovations to increase competitiveness in the banking sector.
ANALISIS AKAD MURABAHAH PADA PRODUK CICIL EMAS TERHADAP MINAT NASABAH DALAM PERSEPEKTIF EKONOMI ISLAM  PADA BANK SYARIAH INDONESIA KCP JAKABARING PALEMBANG Putri, Ramanda; Rizka Apriani; Azizah, Latifah Ayu; Bella, Sintia; Azwari, Peny Cahaya
Istinbath Vol 16 No 2 (2024): Istinbath
Publisher : Kopertais Wilayah VII Palembang

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.19109/istinbath.v16i1.25832

Abstract

Banks have a primary function as collectors and distributors of funds, while additional services act as supporters. The presence of Islamic banking, such as Bank Syariah Indonesia (BSI), is expected to increase economic growth, especially in Muslim-majority countries like Indonesia. BSI was officially launched on February 1, 2021 through the merger of several government-owned Islamic banks. Innovative products, such as BSI Gold Installments, are one of the efforts to attract public interest in Islamic banking services. BSI Gold Installments utilize murabahah and rahn contracts, which are in accordance with sharia principles, to allow customers to own gold in stages with light payments. Gold is chosen because of its stability in value and its ability to fight inflation, making it an attractive investment. This study aims to analyze the BSI Gold Installment product in increasing customer financing, especially at BSI KCP Palembang Jakabaring, using a descriptive qualitative method. The results show that service excellence, product innovation, and contract transparency are the main factors in the success of this product in meeting the investment needs of the community. However, challenges remain, including low customer interest due to lack of education and promotion. Therefore, BSI is expected to continue to develop marketing strategies and sharia-based product innovations to increase competitiveness in the banking sector.
PENGARUH LINGKUNGAN KERJA, SELF-EFFICACY DAN KECERDASAN EMOSIONAL TERHADAP KINERJA KARYAWAN PADA BANK SYARIAH INDONESIA KC LUBUKLINGGAU Azizah, Latifah Ayu; Batin, Mail Hilian; Lemiyana
PELITA JURNAL PENELITIAN DAN KARYA ILMIAH Vol 26 No 2 (2026): Pelita : Jurnal Penelitian dan Karya Ilmiah [Juli - Desember]
Publisher : UNIVERSITAS ISLAM SYEKH - YUSUF TANGERANG

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.33592/pelita.v26i2.8469

Abstract

Employee performance is an important factor in supporting the competitiveness of banking companies, including Bank Syariah Indonesia KC Lubuklinggau which continues to strive to improve the quality of human resources. This study aims to analyze the influence of work environment, self-efficacy, and emotional intelligence on employee performance with quantitative methods by distributing questionnaires to all 30 employees using saturated sampling techniques and SPSS data analysis. The results of the study indicate that work environment and self-efficacy have a positive and significant effect on employee performance, while emotional intelligence does not have a significant effect, but simultaneously the three variables have a positive and significant effect on employee performance. The implications of this study emphasize the importance of creating a conducive work environment, increasing employee self-confidence, and managing emotions through coaching and rewards for performance. It is hoped that these efforts can improve employee performance and achieve company goals.  
Co-Authors Bella, Sintia Lemiyana Mail Hilian Batin Putri, Ramanda Rizka Apriani