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All Journal AL-FALAH : Journal of Islamic Economics Reflektika
Octira, Mila
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Religion Decision Sciences, Operations Research & Management Economics, Econometrics & Finance Education Languange, Linguistic, Communication & Media Other

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An Analysis of Bank Syariah Indonesia digital services and features Abidin, Zaenal; Octira, Mila
AL-FALAH : Journal of Islamic Economics Vol. 9 No. 2 (2024)
Publisher : Institut Agama Islam Negeri (IAIN) Curup

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.29240/alfalah.v9i2.9037

Abstract

Aligned with technological advancements and evolving customer preferences for cutting-edge banking solutions, Bank Syariah Indonesia (BSI) has introduced the BSI Mobile Application, aiming to deliver efficient banking services in adherence to Sharia financial principles. This study is prompted by the quest for a comprehensive understanding of the digital services offered by BSI, specifically focusing on identifying distinctive features, evaluating integration levels, and assessing their impact on the operational efficiency of the bank. Employing a qualitative approach through the library research method, the research draws data from diverse sources, including literature, scientific journals, books, official documents, and pertinent information accessible through library repositories and digital platforms.Utilizing a literature study as the primary data collection technique and applying the Miles and Huberman data analysis method, this research ensures the validity and reliability of findings by relying on credible sources such as scientific journals and official documents from Bank Syariah Indonesia. The outcomes of this research successfully unveil and elaborate on the array of digital services provided by BSI, highlighting distinctive features that set it apart from conventional mobile banking applications. The analysis of BSI Mobile features offers profound insights into services that embody a holistic approach, demonstrating efficiency and compliance with Sharia financial principles.This research serves as a foundational knowledge source for future inquiries. The anticipation is that a more profound comprehension of digital service types, specific features, and their effects on BSI's operational efficiency will serve as a guide for developing more efficacious strategies in the future. The envisaged positive contribution aims to optimize digital services at BSI, enhance the overall customer experience, and elevate the operational efficiency of the bank.
KAJIAN STRATEGI PEMASARAN ISLAM: STUDI TABUNGAN iB HIJRAH HAJI PADA BANK MUAMALAT KCP. SUMENEP mujibno, mujibno; Octira, Mila; Ghoni, Abd.
Reflektika Vol 16, No 2 (2021)
Publisher : Universitas Al-Amien Prenduan

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.28944/reflektika.v16i2.901

Abstract

Bank Muamalat KCP Sumenep is the first sub-branch office to be pioneered on Madura Island, the sharia marketing strategy has become the basis for its growth, it has been proven that there are many products, both savings, deposits and financing, with a total number of customers reaching 7,000 to date. The iB Hijrah Hajj Savings is one of the idol products for customers who wish to perform Hajj. The researcher describes the Islamic marketing strategy used by Bank Muamalat KCP Sumenep in increasing the number of customers of the iB hijrah haji savings product, and describes the obstacles that occur in marketing the iB hijrah haji savings product. This study uses a qualitative descriptive method. Sources of data obtained from primary data and secondary data with observation techniques, interviews and documentation. The data analysis technique used is data reduction, data presentation and conclusion drawing, using data triangulation. The results of this study explain that the Islamic marketing strategy in increasing the number of customers of the iB Hijrah Haji Savings Product of Bank Muamalat KCP Sumenep uses a promotion strategy and marketing mix with the performance of Siddiq and Amanah traits taught by Rasulullah. Optimization of segmenting, targeting and positioning becomes a driving force in every product. The obstacles faced were the high level of competition, the co-19 pandemic, and the lack of technological knowledge from customers. Therefore, the existence of an Islamic marketing strategy spurred a sense of enthusiasm on the part of the Muamalat KCP bank. Sumenp to continue to provide the latest innovations so that the products they have remain the choice of customers.
Co-Authors Ghoni, Abd. Mujibno, Mujibno Zaenal Abidin