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All Journal Jurnal Masharif al-Syariah: Jurnal Ekonomi dan Perbankan Syariah
Yosy Arisandi
Universitas Islam Negeri Fatmawati Sukarno Bengkulu
Economics, Econometrics & Finance Social Sciences

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Implementasi Strategi Bersaing BPRS Fadhilah dalam Meningkatkan Jumlah Nasabah Produk Tabungan Wadi’ah Menggunakan Porter Five Forces dan SWOT Analisis Tiwi Suvia; Yosy Arisandi; Katra Pramadeka
Jurnal Masharif al-Syariah: Jurnal Ekonomi dan Perbankan Syariah Vol 11 No 2 (2026)
Publisher : Universitas Muhammadiyah Surabaya

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.30651/jms.v11i2.31151

Abstract

The purpose of this study is to examine the implementation of competitive strategies of BPRS Fadhilah Bengkulu in increasing the number of customers of the wadi’ah savings product and to analyze the competitive environment using the Porter Five Forces approach and SWOT analysis. This research employs a descriptive qualitative approach with a field research method. The results show that the competitive strategy implemented by BPRS Fadhilah Bengkulu is carried out through improving service quality, implementing pick-up service, and offering savings products with affordable initial deposits and no monthly administrative fees. Based on the Porter Five Forces analysis, competition among Islamic financial institutions offering similar savings products is relatively intense. The threat of new entrants mainly comes from technology-based financial institutions; however, BPRS Fadhilah responds by prioritizing excellent service and direct interaction with customers. The bargaining power of customers in obtaining high-quality services encourages the bank to improve service quality and accessibility. The threat of substitute products comes from digital financial services, while the role of third parties (shareholders) supports the operational stability of the bank through financial support. Meanwhile, the SWOT analysis indicates that strengths lie in service convenience and the application of Islamic principles, weaknesses are related to limited facilities and public understanding, opportunities arise from payroll cooperation and promotion through social media, while threats come from increasing competition among financial institutions and the development of banking technology.
Peran dan Kompetensi Muthawif pada Kepuasan Layanan Jamaah Umrah pada PT. Amanah Safari Internasional (Asafi) Tour Bengkulu Hellannisa Alfidah; Yosy Arisandi; Makmur
Jurnal Masharif al-Syariah: Jurnal Ekonomi dan Perbankan Syariah Vol 11 No 3 (2026)
Publisher : Universitas Muhammadiyah Surabaya

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.30651/jms.v11i3.31796

Abstract

This study aims to analyze the role and competence of muthawif in relation to the satisfaction of Umrah pilgrims’ services at PT. Amanah Safari Internasional (ASAFI) Tour Bengkulu. The focus of this study includespilgrims’ experiences related to the role of the muthawif during theimplementation of Umrah,pilgrims’ perceptions of the muthawif competence, and the influence of these roles and competencies on pilgrims’ satisfaction, both emptionally and spiritually. This study employs a qualitative approach with a descriptive method. Data collection techniques include interviews, observation, and documentation. The results of the study indicate that, in general, pilgrims have a positive impression of the role of the muthawif. The muthawif is considered capable of providing clear, structured, and easily understood guidance in worship, as well as assisting pilgrims throughout the Umrah rituals in the Holy Land.In addition, the competence of the muhawif is considered good, as reflected in their mastery of Umrah materials, effective communication skills, and ability to handle various characteristics of pilgrims.The roles and competencies have been proven to significantly contribute to the level of pilgrims’ satisfaction, both in terms of service quality and the spiritual experience gained during the Umrah pilgrimage.
Co-Authors Hellannisa Alfidah Katra Pramadeka Makmur Tiwi Suvia