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All Journal Jurnal Ilmiah Ekonomi Islam Islamic Economics and Business Review (IESBIR)
Maulida, Lutfiana
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Religion Economics, Econometrics & Finance Social Sciences

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Optimalisasi Program Simpanan Berhadiah Dalam Upaya Meningkatkan DPK Pada BSI KCP Rembang Sudirman Maulida, Lutfiana; Qoes Atieq, Muhammad
Jurnal Ilmiah Ekonomi Islam Vol 10, No 3 (2024): JIEI : Vol.10, No.3, 2024
Publisher : ITB AAS INDONESIA Surakarta

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.29040/jiei.v10i3.14889

Abstract

Based on data from BSI's annual report, BSI's total deposits from 2021 continue to increase. However, BSI still faces challenges in increasing its deposits to strengthen its liquidity.. The purpose of this research is to find out how the strategy of optimizing the prize savings program and its impact on increasing DPK. The method used is qualitative method. The population used is BSI employees, while the sample used is BSI employees and taken using purposive sampling technique. The data source used is primary data from informants through interviews. The results showed that efforts to optimize the prize savings program at BSI KCP Rembang Sudirman were carried out by segmentation, promotion, and continuous offering, and visiting customers' homes for offers. The results of this optimization have had a positive effect on the increase in DPK since the beginning of 2024 so that the BSI KCP Rembang Sudirman rating is quite good because of consistent daily achievements. In addition to increasing DPK, optimizing this program can increase the number of new customers because it provides benefits to customers. The recommendation of this research is that Bank Syariah Indonesia must increase innovation through programs that can provide more value or benefits to customers.
Optimalisasi Program Simpanan Berhadiah Dalam Upaya Meningkatkan DPK Pada BSI KCP Rembang Sudirman Maulida, Lutfiana; Qoes Atieq, Muhammad
Jurnal Ilmiah Ekonomi Islam Vol. 10 No. 3 (2024): JIEI : Vol.10, No.3, 2024
Publisher : ITB AAS INDONESIA Surakarta

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.29040/jiei.v10i3.14889

Abstract

Based on data from BSI's annual report, BSI's total deposits from 2021 continue to increase. However, BSI still faces challenges in increasing its deposits to strengthen its liquidity.. The purpose of this research is to find out how the strategy of optimizing the prize savings program and its impact on increasing DPK. The method used is qualitative method. The population used is BSI employees, while the sample used is BSI employees and taken using purposive sampling technique. The data source used is primary data from informants through interviews. The results showed that efforts to optimize the prize savings program at BSI KCP Rembang Sudirman were carried out by segmentation, promotion, and continuous offering, and visiting customers' homes for offers. The results of this optimization have had a positive effect on the increase in DPK since the beginning of 2024 so that the BSI KCP Rembang Sudirman rating is quite good because of consistent daily achievements. In addition to increasing DPK, optimizing this program can increase the number of new customers because it provides benefits to customers. The recommendation of this research is that Bank Syariah Indonesia must increase innovation through programs that can provide more value or benefits to customers.
Keputusan Finansial Generasi Z Ditinjau Dari Literasi Keuangan, Inklusi Keuangan, Dan Financial Technology Maulida, Lutfiana; Maria, Haniam; Meilia, Putri; Kirani Febiyanti, Galih; Varadilla, Ananta
Islamic Economics and Business Review Vol 3 No 3 (2024): IESBIR, December 2024
Publisher : Universitas Pembangunan Nasional Veteran Jakarta

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.59580/iesbir.v3i3.8869

Abstract

Abstract The low financial literacy and inclusion index in Indonesia indicates that society is not yet capable of managing finances and making sound financial decisions. This study aims to analyze the influence of financial literacy, financial inclusion, and financial technology on the financial decisions of Generation Z at IAIN Kudus. This research uses a quantitative method with primary data obtained through questionnaires, involving 100 active undergraduate students as the sample. The results show that financial literacy has a positive and significant impact on financial decisions, financial inclusion has a positive but insignificant impact, and financial technology has a negative but insignificant impact. The implications of this study emphasize the importance of financial education programs to enhance Generation Z's knowledge in making better financial decisions. Keywords: Financial Literacy; Financial Inclusion; Financial Technology; and Financial Decisions Abstrak Indeks literasi dan inklusi keuangan yang rendah di Indonesia menunjukkan bahwa masyarakat belum mampu mengelola keuangan dengan baik. Penelitian ini bertujuan untuk menganalisis pengaruh literasi keuangan, inklusi keuangan, dan financial technology terhadap keputusan finansial Generasi Z di IAIN Kudus. Penelitian ini menggunakan metode kuantitatif dengan data primer melalui kuesioner, melibatkan 100 mahasiswa aktif S1 sebagai sampel. Hasil penelitian menunjukkan bahwa literasi keuangan berpengaruh positif dan signifikan terhadap keputusan finansial, inklusi keuangan berpengaruh positif namun tidak signifikan, dan financial technology berpengaruh negatif namun tidak signifikan. Implikasi penelitian ini adalah pentingnya program edukasi keuangan untuk meningkatkan pengetahuan Generasi Z dalam membuat keputusan finansial yang lebih baik. Kata kunci: Literasi Keuangan; Inklusi Keuangan; Financial Technology; dan Keputusan Finansial
Co-Authors Atieq, Muhammad Qoes Kirani Febiyanti, Galih Maria, Haniam Meilia, Putri Varadilla, Ananta