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All Journal Jurnal Investasi Islam Jurnal Pengabdian Kepada Masyarakat Indonesia
Amelia Sri Ningsih
Universitas Islam Negeri Sumatera Utara
Agriculture, Biological Sciences & Forestry Humanities Computer Science & IT Economics, Econometrics & Finance Education Engineering Public Health Social Sciences

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Meningkatkan Kesadaran Masyarakat Tentang Tabungan Syariah Melalui Edukasi Cerdas Finansial Islami Di Desa Tiganderket, Kecamatan Tiganderket, Kabupaten Karo Ikhwanul Khair; Amelia Sri Ningsih; Farhan Syafiq; Ikram Muharril; Sokon Saragih
Jurnal Pengabdian kepada Masyarakat Indonesia (JPKMI) Vol. 5 No. 3 (2025): Desember: Jurnal Pengabdian Kepada Masyarakat Indonesia (JPKMI)
Publisher : Pusat Riset dan Inovasi Nasional

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.55606/jpkmi.v5i3.9341

Abstract

This community service program aims to increase financial literacy and awareness of sharia savings among the people of Tiganderket Village, Karo Regency, North Sumatra through the Islamic Smart Financial Education initiative. This activity was motivated by the low level of understanding of Islamic finance in rural areas, the strong dependence on conventional financial systems, and the growing practice of interest-based lending that is not aligned with Islamic principles. The program applied the Participatory Action Research (PAR) approach to encourage active participation of the community in learning processes through interactive lectures, discussions, and evaluation of knowledge before and after the activity. The results showed a significant improvement in participants’ understanding of sharia savings, which increased from 35% to 90% after the activity. Furthermore, around 60% of participants expressed interest in opening an account at an Islamic financial institution following the education session. The presence of Islamic banking representatives during the program also strengthened the connection between the community and sharia financial service providers. These findings indicate that participatory and communicative Islamic financial education is effective in improving sharia financial literacy in rural communities and may serve as a sustainable empowerment model for strengthening Islamic economic practices in Indonesia.
The Impact of Islamic Bank Mergers on Work Culture and Customer Service Quality: A Case Study of Bank Syariah Indonesia (BSI) in Mandailing Natal Amelia Sri Ningsih; Muhammad Arif; Wahyu Syarvina
Jurnal Investasi Islam Vol. 11 No. 2 (2026): Jurnal Investasi Islam (JII)
Publisher : FEBI IAIN Langsa

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.32505/jii.v11i2.15351

Abstract

The merger of three state-owned Islamic banks into Bank Syariah Indonesia (BSI) is a strategic move to strengthen the national Islamic banking industry. However, previous studies have largely focused on financial performance and competitiveness, while research on the merger’s impact on employee work culture and customer service quality at the branch level remains limited, particularly in Mandailing Natal Regency. This study aims to analyze the impact of the BSI merger on employee work culture and customer service quality at BSI Mandailing Natal. This study employs a qualitative approach using the case study method. Data were collected through in-depth interviews and observations from 5 informants comprising BSI employees and customers selected using purposive sampling. The results of the study indicate that the BSI merger has driven changes in work culture toward a more dynamic, fast-paced, integrated, and digitally oriented environment. Employees are required to enhance their adaptability, product knowledge, and service competencies. From a service perspective, the merger has improved access to services through the development of BSI Mobile, the expansion of the ATM network, and the simplification of digital transactions. Nevertheless, during the transition period, challenges were still encountered, including account migration processes, digital system disruptions, and limited access to services for some customers. This study concludes that the BSI merger has had a impact on the transformation of work culture and the improvement of customer service quality. These findings contribute to the development of research on post-merger organizational integration in Islamic banking and provide insights for BSI management in strengthening digital transformation strategies and enhancing service quality.
Co-Authors Farhan Syafiq Ikhwanul Khair Ikram Muharril Muhammad Arif Sokon Saragih Wahyu Syarvina