Article Per Year (5 Year)
p-Index From 2021 - 2026
0.23
P-Index
This Author published in this journals
All Journal ICO EDUSHA
Mawarda, Iska Nur Mawarda
Unknown Affiliation
Religion Humanities Economics, Econometrics & Finance Education Social Sciences Other

Published : 1 Documents Claim Missing Document
Claim Missing Document
Check
Articles

Found 1 Documents
Search

 1 
Cross-Selling Sharia Gold Savings: A Hedging Strategy for Hajj Financial Risk Mitigation Mawarda, Iska Nur Mawarda; Ekaningsih , Lely Ana Ferawati; Mustafidah, Wiwit
ICO EDUSHA Vol. 6 No. 1 (2025): Proceedings of International Conference On Islam Educationm Management and Shar
Publisher : STAI AN-NAJAH INDONESIA MANDIRI

Show Abstract | Download Original | Original Source | Check in Google Scholar

Abstract

This research analyzes the cross-selling strategy of gold savings to strengthen the financing guarantee for Hajj Pilgrimage Organizing Fees (BPIH) for customers at Bank Syariah Indonesia KCP Banyuwangi Rogojampi. Utilizing a qualitative Case Study approach involving interviews, observation, document analysis, and SWOT analysis, the findings reveal that the main strengths lie in the bank's reputation, the transparency of the murabahah contract, and support from the BYOND digital platform. Weaknesses include limitations in employee training/human resources and the absence of standardized educational SOPs. Opportunities arise from payroll customer segments and digitalization trends, while threats encompass market competition and gold price volatility. The analysis results in the formulation of SO (digital enhancement and collaboration), WO (training and SOP development), ST (reputation-based education), and WT (sharia financial literacy campaign) strategies. It is concluded that the cross-selling strategy for gold savings is effective as a hedging instrument against BPIH increases, with recommendations to strengthen education, human resources, and service digitalization.
Co-Authors Ekaningsih , Lely Ana Ferawati Wiwit Mustafidah, Wiwit