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All Journal Istinbath Jurnal Algoritma ISTINBATH
Bella, Sintia
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Religion Humanities Computer Science & IT Economics, Econometrics & Finance Education

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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.
Kepuasan Pengguna Aplikasi Pasti Oke Melalui Kualitas Pelayanan E-Government di Dinas Kependudukan dan Pencatatan Sipil Kabupaten Garut Hadita, Akmala; Agustina, Novi; Bella, Sintia
Jurnal Algoritma Vol 22 No 1 (2025): Jurnal Algoritma
Publisher : Institut Teknologi Garut

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.33364/algoritma/v.22-1.2431

Abstract

This study aims to analyze the effect of e-government service quality on user satisfaction of the Pasti Oke Application at the Garut Regency Population and Civil Registration Office. This application is designed to improve the efficiency of population administration services digitally. However, in its implementation, there are still various obstacles such as difficult accessibility, system disruptions, lack of clarity of information, and low response from the application manager. The research method used is a quantitative approach with simple linear regression analysis using SPSS 23. Data were collected through questionnaires distributed to 100 respondents who used the application. The results show that the quality of e-government services has a significant influence on the level of user satisfaction with a contribution of 71.6%. These results provide important implications for the development of more effective and responsive public digital services.
Co-Authors Agustina, Novi Akmala Hadita Azizah, Latifah Ayu Putri, Ramanda Rizka Apriani