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Marketing Strategy for Mitraguna Online Financing Products in Increasing the Number of Customers Hasibuan, Kiki Andrea Putri; Nasution, M. Lathief Ilhamy; Syakir, Ahmad
JMKSP (Jurnal Manajemen, Kepemimpinan, dan Supervisi Pendidikan) Vol. 9 No. 2 (2024): JMKSP (Jurnal Manajemen, Kepemimpinan, dan Supervisi Pendidikan)
Publisher : Graduate Program Magister Manajemen Pendidikan

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.31851/jmksp.v9i2.16701

This study aims to determine potential marketing strategies to increase the number of customers in the online mitraguna financing product of Bank Syariah Indonesia, Kisaran sub-branch office. This research uses qualitative research methodology. In qualitative research, the findings are analyzed and then reported by the researcher. In this study, two different types of data were used, namely primary and secondary. Interviews were used to obtain primary data, while publications from relevant financial institutions as well as relevant scientific literature were used to collect secondary data. The results of the data analysis resulted in the largest threat weight of 0.092538, the largest opportunity weight of 0.571429, the highest weakness weight of 0.210526, and the highest strength weight of 0.421053. The average overall score of the Internal Factor Evaluation matrix is 2.736842, but the average score of the External Factor Evaluation matrix is 2.952381. The results of this study indicate that the marketing strategy that needs to be implemented lies in quadrant V, namely the strategy of maintaining and maintaining by obtaining 5 alternative strategies that are expected to contribute to the Bank Syariah Indonesia Kisaran sub-branch office to increase the number of online mitraguna financing customers.

Pengaruh Keunikan, Kualitas, dan Kesesuaian Harga pada Produk Tabungan terhadap Keunggulan Bersaing di Bank Sumut Kantor Cabang Syariah Medan Katamso Asra, M Rifki; Nasution, Yenni Samri Juliati; Nasution, M. Lathief Ilhamy
El-Mal: Jurnal Kajian Ekonomi & Bisnis Islam Vol. 5 No. 3 (2024): El-Mal: Jurnal Kajian Ekonomi & Bisnis Islam
Publisher : Intitut Agama Islam Nasional Laa Roiba Bogor

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.47467/elmal.v5i3.710

This study is entitled "The Influence of Uniqueness, Quality, and Price Conformity in Savings Products on Competitive Advantage at Bank SUMUT KC Syariah Medan". This study aims to find out whether the uniqueness, quality, and price suitability of savings products have a partial or simultaneous effect on competitive advantage at Bank SUMUT KC Syariah Medan Katamso. This research uses the type of associative research. The dependent variable (Y) in this study is competitive advantage, the independent variable is the uniqueness of the savings product (X1), the quality of the savings product (X2), and the price suitability of the savings product (X3). The population in this study were customers of Bank SUMUT KC Syariah Medan with a total sample of 100 respondents using a probability sampling technique. Data collection is done by distributing questionnaires to customers. Data analysis used SPSS Statistics 20.00 with multiple regression. The results of the study revealed that in the T test variable X1 (uniqueness of savings products) had a significant positive effect on competitive advantage, variable X2 (quality of savings products) had a significant positive effect on competitive advantage, and variable X3 (price appropriateness) had a significant positive effect on competitive advantage. Based on the results of the F test, it was found that the uniqueness, quality, and price suitability of savings products have a simultaneous effect on Competitive Advantage. In the Coefficient of Determination Test (R2) it can be seen that the Adjusted R Square value obtained is 0.656 (65.6%). This shows that the independent variables X1 (Unique Savings Products), X2 (Quality of Savings Products), and X3 (Price appropriateness of Savings Products) have a strong ability (0.60-0.799) in explaining variations in the dependent variable Y (Competitive Advantage). . The remaining 34.5% will be influenced by other factors which cannot be explained in this study. Keywords: savings product uniqueness, savings product quality, savings product price appropriateness, competitive advantage.

Pengaruh Keunikan, Kualitas, dan Kesesuaian Harga pada Produk Tabungan terhadap Keunggulan Bersaing di Bank Sumut Kantor Cabang Syariah Medan Katamso Asra, M Rifki; Nasution, Yenni Samri Juliati; Nasution, M. Lathief Ilhamy
El-Mal: Jurnal Kajian Ekonomi & Bisnis Islam Vol. 5 No. 3 (2024): El-Mal: Jurnal Kajian Ekonomi & Bisnis Islam
Publisher : Intitut Agama Islam Nasional Laa Roiba Bogor

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.47467/elmal.v5i3.710

This study is entitled "The Influence of Uniqueness, Quality, and Price Conformity in Savings Products on Competitive Advantage at Bank SUMUT KC Syariah Medan". This study aims to find out whether the uniqueness, quality, and price suitability of savings products have a partial or simultaneous effect on competitive advantage at Bank SUMUT KC Syariah Medan Katamso. This research uses the type of associative research. The dependent variable (Y) in this study is competitive advantage, the independent variable is the uniqueness of the savings product (X1), the quality of the savings product (X2), and the price suitability of the savings product (X3). The population in this study were customers of Bank SUMUT KC Syariah Medan with a total sample of 100 respondents using a probability sampling technique. Data collection is done by distributing questionnaires to customers. Data analysis used SPSS Statistics 20.00 with multiple regression. The results of the study revealed that in the T test variable X1 (uniqueness of savings products) had a significant positive effect on competitive advantage, variable X2 (quality of savings products) had a significant positive effect on competitive advantage, and variable X3 (price appropriateness) had a significant positive effect on competitive advantage. Based on the results of the F test, it was found that the uniqueness, quality, and price suitability of savings products have a simultaneous effect on Competitive Advantage. In the Coefficient of Determination Test (R2) it can be seen that the Adjusted R Square value obtained is 0.656 (65.6%). This shows that the independent variables X1 (Unique Savings Products), X2 (Quality of Savings Products), and X3 (Price appropriateness of Savings Products) have a strong ability (0.60-0.799) in explaining variations in the dependent variable Y (Competitive Advantage). . The remaining 34.5% will be influenced by other factors which cannot be explained in this study. Keywords: savings product uniqueness, savings product quality, savings product price appropriateness, competitive advantage.

Analysis of the Influence of External Factors of Sharia Bank on Non-Performing Financing (NPF) of Indonesian Sharia Commercial Banks Khairiyah, Imamah; Lubis, Fauzi Arif; Nasution, M. Lathief Ilhamy
Indonesian Interdisciplinary Journal of Sharia Economics (IIJSE) Vol 6 No 3 (2023): 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.v6i3.3899

Islamic banking in Indonesia has grown rapidly in recent years. However, along with its development, Islamic banking also faces various risks, one of which is credit risk which can result in Non-Performing Financing (NPF) or non-performing loans. NPF is an important indicator that can affect banking stability. Therefore, it is important to control the factors that can affect the level of NPF in Islamic banks. This study aims to examine the effect of inflation, BI Rate, and exchange rates on Non-Performing Financing (NPF) in Islamic banking in Indonesia. NPF is an important indicator that can affect banking stability and inflation control, the BI Rate, and the exchange rate is the factors that can affect the level of NPF in Islamic banks. This study uses a method with a quantitative approach and with a sample of 264 and removes outliers to 141 observational samples using multiple linear regression analysis techniques. The partial and simultaneous results of the research on inflation, the BI Rate, and the exchange rate on Non-Performing Financing (NPF) have a significant influence. The importance of controlling inflation, the BI Rate, and the exchange rate in managing credit risk and preventing NPFs. Inflation has an inverse effect on NPF, meaning that when inflation rises, NPF tends to fall. The BI Rate has a significant impact on a bank’s ability to manage credit and credit risk, the higher the BI Rate, the greater the possibility of an NPF. Furthermore, changes in the exchange rate can affect the credit risk that must be borne by banks in managing credit, the lower the exchange rate, the greater the possibility of an NPF.

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