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All Journal International Journal of Science and Environment IJED: International Journal of Economy Development Research
Imaniah, Salimatul
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Agriculture, Biological Sciences & Forestry Biochemistry, Genetics & Molecular Biology Chemical Engineering, Chemistry & Bioengineering Chemistry Economics, Econometrics & Finance Mathematics Physics

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Micro Financing Mechanism with Murobahah Agreement At BSI KCP Probolinggo Kraksaan Imaniah, Salimatul
IJED: International Journal of Economy Development Research Vol 3, No 2 (2024)
Publisher : Universitas Nurul Jadid

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.33650/ijed.v3i2.9851

Abstract

Bank Syariah Indonesia (BSI) Probolinggo Kraksaan is a financial institusion in the from of a non-public bank using Sharia principes in its operations, standing in a strategic location near the main road that is easy to reach for the public, and has a vision and mission that can advance it.the research aims to the micro financing mechanism with a murabahah contract at Bank Syariah Indonesia (BSI), to find out the obstacles faced in the micro financing mechanism with a murabahah contract at Bank Syariah Indonesia (BSI). This type of research uses qualitative. The objec of research examined is the mechanism of micro financing with murabahah contacts cerried out at KCP BSI Kraksaan. The data analysis method uses descriptive qualitative Micro financing with a murabahah contract at Bank Syariah Indonesia (BSI) Kraksaan has 9 stages and most of them are based on theory from the OJK Shariabanking product standard book (2116). The stages that are not in accordance with the theory carriedout by bank are the stages of collecting customer data and rations.
Promotion Strategy For Maslahah Gold Installment Products At BSI KCP Probolinggo Kraksaan Febriyanto, Achmad; Imaniah, Salimatul
International Journal of Science and Environment (IJSE) Vol. 5 No. 2 (2025): May 2025
Publisher : CV. Inara

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.51601/ijse.v5i2.136

Abstract

In line with the rapid advancement of technology and economy, sales promotion has become a crucial aspect in attracting public interest to invest in gold installment systems. The purpose of this research is to examine the effectiveness of sales promotion and how BSI measures the success of its implemented strategies. The concept of maslahah in Islamic economic systems serves as the primary foundation for developing sharia-compliant financial products. This principle emphasizes that products should offer multiple benefits beyond financial gains, including benefits to society in economic, social, and welfare aspects. This research employs a descriptive qualitative method, with data collection conducted through literature studies, interviews with the PA team and employees of BSI KCP Probolinggo Kraksaan, and observation. The results show that BSI KCP Probolinggo Kraksaan implements promotional strategies, including personal selling, advertising, public relations, and direct sales. The promotional strategies used are based on the concept of maslahah, also Known as sharia compliance. Although there are challenges in increasing public awareness about gold investments, the strategies implemented can increase sales of gold installment products and provide better education to customers. The strategies employed by BSI KCP Probolinggo Kraksaan to educate public understanding include transparency and sharia compliance, partnerships with sharia institutions and Muslim communities, and social-based incentive programs.
Co-Authors Febriyanto, Achmad