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Nur Anim Jauhariyah
Universitas KH. Mukhtar Syafaat (UIMSYA), Banyuwangi, Indonesia
Economics, Econometrics & Finance

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Mitraguna Product Marketing Strategy with Murabahah Agreement at BSI KCP Rogojampi Banyuwangi Mira Rahayu; Nur Anim Jauhariyah
Indonesian Interdisciplinary Journal of Sharia Economics (IIJSE) Vol 8 No 3 (2025): Sharia Economics
Publisher : Universitas KH. Abdul Chalim Mojokerto

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.31538/iijse.v8i3.6282

Abstract

The Mitraguna Berkah BSI KCP Rogojampi financing product is one of the products that customers are interested in. This research aims to determine the marketing strategy for Mitraguna products at BSI KCP Rogojampi in increasing the number of customers and to find out the obstacles and solutions faced in implementing the marketing strategy for Mitraguna products. The research method used used a qualitative approach with employee informants at BSI KCP Rogojampi and then analyzed using SWOT. The results of this research state that the marketing strategy for Mitraguna financing at BSI KCP Rogojampi uses the 7P marketing mix, namely Product, Price, Promotion, and Place, People, Process, Physical Evidence. The obstacle faced is that price competition between banks is very competitive because many other banks have similar products but offer different prices, making price competition very tight. The strategies used include conducting face to face and door to door promotions and intensively contacting customers by offering competitive prices and in accordance with sharia principles.
Implementation of BSI Mobile Application on Customer Efficiency in Paying Zakat, Infaq, and Waqaf Lailiyatul Barokah; Nur Anim Jauhariyah
Indonesian Interdisciplinary Journal of Sharia Economics (IIJSE) Vol 8 No 3 (2025): Sharia Economics
Publisher : Universitas KH. Abdul Chalim Mojokerto

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.31538/iijse.v8i3.6371

Abstract

This Study aiming for analyze implementation application BSI mobile towards efficiency Customer in payment charity, charity, And endowment (ZISWAF) in BSI KCP Rogojampi Banyuwangi. Research This using the method quantitative with approach descriptive. Data was collected through a questionnaire distributed to customers who use the BSI application Mobile For payment ZISWAF. Respondents study amount to 100 Customer the selected one-use technique purposive sampling. Analysis data done with using techniques statistics descriptive for measure level efficiency Which covering convenience, speed, and accuracy transaction. Results study show that 85% Customer feel application BSI Mobile make it easier transaction ZISWAF, 75% feel that time transaction reduced in significant, and 90% feel report transaction Which accepted accurate and appropriate time. Besides That, application This Also play a role important in increase literacy finance digital among customers. However, constraint in the form of lack of understanding technology in customer circles carry on age become challenge in implementation Which wider. Conclusion from research This is that implementation application BSI Mobile in a way significant increase efficiency payment ZISWAF in BSI KCP Rogojampi Banyuwangi. Results study This can become reference for banking sharia other in optimize service digital For transaction ZISWAF.
Co-Authors Lailiyatul Barokah Mira Rahayu