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All Journal JIMFE (Jurnal Ilmiah Manajemen Fakultas Ekonomi) Utsaha: Journal of Entrepreneurship Jurnal Aplikasi Bisnis dan Komputer Journal Community Service Consortium
Dewi Taurusyanti
Universitas Pakuan
Humanities Computer Science & IT Decision Sciences, Operations Research & Management Economics, Econometrics & Finance Electrical & Electronics Engineering Public Health

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ANALISIS PRODUK TABUNGAN TERHADAP JUMLAH NASABAH PADA PT BPRS BOGOR TEGAR BERIMAN Hayati, Yetty Husnul; Abd Kadir, Windy Ayu Marsinta; Taurusyanti, Dewi
Jurnal Aplikasi Bisnis dan Komputer Vol 5, No 3 (2025): Jurnal Aplikasi Bisnis dan Komputer
Publisher : Universitas Pakuan

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.33751/jubikom.v5i3.12912

Abstract

ABSTRAK Perkembangan dunia perbankan di Indonesia telah mengalami perubahan signifikan seiring dengan pertumbuhan ekonomi nasional serta meningkatnya kebutuhan masyarakat terhadap layanan keuangan yang lebih mudah diakses, bervariasi, dan sesuai prinsip keadilan. Kehadiran perbankan syariah menjadi alternatif bagi masyarakat yang menginginkan sistem keuangan bebas dari riba, gharar, dan maisir, dengan menekankan prinsip kemitraan serta keberkahan. Salah satu lembaga yang berperan penting adalah Bank Pembiayaan Rakyat Syariah (BPRS), yang memiliki karakteristik lokal dengan fokus pada pelayanan masyarakat kecil dan menengah. Produk tabungan di BPRS memegang peranan strategis sebagai sumber utama dana pembiayaan sekaligus indikator kepercayaan masyarakat. Melalui akad wadiah yad dhamanah dan mudharabah, tabungan di BPRS menawarkan keamanan, transparansi, serta potensi bagi hasil sesuai syariah. Namun, di tengah persaingan ketat dengan bank konvensional, digital, koperasi, dan fintech, jumlah nasabah tabungan BPRS tidak selalu meningkat secara signifikan. Hal ini menunjukkan pentingnya pengembangan strategi produk tabungan yang adaptif, kompetitif, serta tetap berlandaskan prinsip syariah, agar mampu menarik dan mempertahankan kepercayaan nasabah, khususnya di daerah seperti Kabupaten Bogor.. Kata kunci : Perbankan syariah, BPRS, produk tabungan, wadiah, mudharabah, strategi pemasaran.  ABSTRACT The development of the banking sector in Indonesia has undergone significant changes in line with national economic growth and the increasing public demand for more accessible, varied, and fair financial services. The presence of Islamic banking offers an alternative for those seeking a financial system free from usury, gharar, and maisir, emphasizing the principles of partnership and blessings. One such institution is the Islamic Rural Financing Bank (BPRS), which has local characteristics and focuses on serving small and medium-sized businesses. Savings products at BPRS play a strategic role as a primary source of financing and an indicator of public trust. Through wadiah yad dhamanah and mudharabah contracts, savings at BPRS offer security, transparency, and the potential for Sharia-compliant profit sharing. However, amidst intense competition from conventional banks, digital banks, cooperatives, and fintech, the number of BPRS savings customers does not always increase significantly. This demonstrates the importance of developing adaptive, competitive savings product strategies that remain based on Sharia principles to attract and maintain customer trust, particularly in areas such as Bogor Regency.. Keywords: Islamic banking, BPRS, savings products, wadiah, mudharabah, marketing strategies.
Co-Authors A.A. Ketut Agung Cahyawan W Abd Kadir, Windy Ayu Marsinta Afriansyah, Mico Anida Ovalia Kurniadewi Dessy Herlisnawati Feri Anggara Putra Fitri Damayanti Hendra Hendra Kurniadewi, Anida Ovalia Lesmana, Muhamad Fikri Mico Afriansyah Moeins, Anoesyirwan Muhamad Fikri Lesmana Muharam, Hari Nasution, Ali Napiah Putra, Feri Anggara Sadiah, Halimah Tus Wawan Hermawan Yetty Husnul Hayati