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All Journal Managere: Indonesian Journal of Educational Management Journal of Islamic Economic Development
Andika Hariyanto Surbakti
Institut Agama Islam Negeri Takengon, Indonesia
Humanities Economics, Econometrics & Finance Education Languange, Linguistic, Communication & Media

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Analysis Of Customer Decisions In Choosing BSI Easy Wadiah And BSI Easy Mudharabah Savings Products Wati; Okta Mellya Rossa; Andika Hariyanto Surbakti
Journal of Islamic Economic Development Vol. 2 No. 1 (2024): Journal of Islamic Economic Development
Publisher : P3M - STAI Kuningan

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Abstract

In choosing a savings product, customers make decisions based on their individual needs and preferences, considering the advantages and disadvantages of each product. Bank Syariah Indonesia offers two savings products that customers can choose from: Easy Wadiah Savings and Easy Mudharabah Savings. Despite the presence of numerous conventional banks in the area, the local community continues to trust and prefer savings products from Bank Syariah Indonesia due to the convenience offered and their perception of Islamic banks as interest-free financial institutions, which strengthens their confidence in saving money with Bank Syariah Indonesia. The purpose of this study is to analyze customer decisions in selecting BSI Easy Wadiah and BSI Easy Mudharabah savings products at Bank Syariah Indonesia KCP Cirebon Arjawinangun. The research uses a descriptive method with a qualitative approach. Data collection techniques include observation, interviews, and documentation. The findings reveal that the decision-making process follows five stages, where customers select the savings product that best suits their needs and preferences. Customers who choose the Easy Wadiah Savings product are primarily motivated by the absence of administrative fees, while those who opt for the Easy Mudharabah Savings product are attracted by the profit-sharing system. Both choices are driven by the desire for a sharia-compliant savings product, as both offerings are in line with Islamic banking principles. Initial information about the Easy Wadiah and Mudharabah savings products is often obtained from friends or relatives, followed by detailed explanations provided by customer service representatives. Respondents stated that both savings products meet their expectations and align with their financial needs.
Agility in Islamic Education: Adapting to Social and Technological Changes in the VUCA Era Abdul Kodir Nurhasan; Muhammad Rizal; Syaeful Rokhman; Andika Hariyanto Surbakti; Lilis Karlina
Managere: Indonesian Journal of Educational Management Vol. 7 No. 1 (2025)
Publisher : Universitas Nurul Jadid

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.52627/managere.v7i1.744

Abstract

This study examines the agility of Islamic educational institutions in adapting to social and technological changes in the VUCA (volatile, uncertain, complex, ambiguous) era. With the rapid advancement of digital technology and the increasing complexity of global challenges, educational institutions must innovate and remain flexible to remain relevant and effective in delivering education. This research examines how Nurul Jadid University has adopted international collaboration, digital transformation, and entrepreneurial innovation as strategies to meet these challenges. This study highlights initiatives through a case study approach, including organizing international conferences, collaborating with the National Library of Indonesia (Perpusnas) to modernize libraries, and launching entrepreneurship clubs to prepare students for the digital economy. The research findings show that these initiatives have an important role in equipping students with the necessary skills to deal with global market uncertainty. This research emphasizes the importance of innovation and sustainable adaptation in educational institutions and provides a model for other universities to respond to the challenges of the VUCA world. This study contributes to a broader understanding of how educational institutions can maintain relevance and effectiveness in an increasingly complex and unpredictable environment.
Co-Authors Abdul Kodir Nurhasan Lilis Karlina Muhammad Rizal Okta Mellya Rossa Syaeful Rokhman Wati