Ar-Rihlah : Jurnal Keuangan dan Perbankan Syariah
Vol 5, No 2 (2025): SEPTEMBER

PROMOTIONAL STRATEGIES BY BSI KCP PARE IN INCREASING THE NUMBER OF QRIS MERCHANTS

Nurhanifah, Lista (Unknown)



Article Info

Publish Date
29 Oct 2025

Abstract

Kehadiran teknologi yang semakin berkembang mempengaruhi industri perbankan yang mulai menerapkan sistem pembayaran non tunai dengan menggunakan scan QR code atau sistem QRIS melalui gadget. QRIS ini tentunya sangat mempermudah dan mempercepat transaksi. Namun, kemudahan tersebut masih belum bisa dirasakan oleh masyarakat atau pelaku usaha yang masih kurang literasi sehingga hal tersebut menjadi kendala dalam peningkatan jumlah merchant QRIS BSI. Penelitian ini bertujuan untuk menganalisis strategi promosi QRIS yang diterapkan oleh BSI KCP Pare dalam meningkatkan jumlah merchant QRIS. Penelitian ini merupakan penelitian kualitatif dengan menggunakan pendekatan field research. Data dan sumber data didapat dari pihak BSI KCP Pare. Teknik pengumpulan data dilakukan melalui observasi, wawancara, dan dokumentasi. Teknik pengolahan data dilakukan dengan editing, organizing, dan penentuan hasil. Teknik analisis data dilakukan dengan pengumpulan data, reduksi data, penyajian data, dan penarikan kesimpulan. Teknik pengecekan keabsahan data dilakukan dengan menggunakan triangulasi sumber. Hasil penelitian menunjukkan bahwa: 1) Strategi promosi yang dilakukan oleh BSI KCP Pare yaitu personal selling (penjualan secara pribadi), public relation (hubungan masyarakat), dan direct marketing (pemasaran langsung). 2) Faktor-faktor yang mempengaruhi strategi promosi antara lain sifat pasar, faktor produk, dan faktor tahap siklus hidup produk QRIS yang baik. 3) Dampak ditetapkannya strategi promosi tersebut adalah berupa peningkatan jumlah merchant QRIS sebesar 80-100% setiap tahunnya dan mendapatkan testimoni positif dari merchant QRIS. The presence of increasingly developing technology has influenced the banking industry which has begun to implement a non-cash payment system using a QR code scan or QRIS system via gadgets. QRIS certainly makes transactions much easier and faster. However, this convenience has not been felt by the public or business actors who are still lacking in literacy, so this has become an obstacle in increasing the number of BSI QRIS merchants. This study aims to analyze the QRIS promotion strategy implemented by BSI KCP Pare in increasing the number of QRIS merchants. This study is a qualitative study using a field research approach. Data and data sources were obtained from BSI KCP Pare. Data collection techniques were carried out through observation, interviews, and documentation. Data processing techniques were carried out by editing, organizing, and determining results. Data analysis techniques were carried out by collecting data, reducing data, presenting data, and drawing conclusions. The data validity checking technique was carried out using source triangulation. The results of the study indicate that: 1) The promotional strategies carried out by BSI KCP Pare are personal selling, public relations, and direct marketing. 2) Factors that influence the promotional strategy include market characteristics, product factors, and good QRIS product life cycle stage factors. 3) The impact of establishing the promotional strategy is an increase in the number of QRIS merchants by 80-100% each year and getting positive testimonials from QRIS merchants.

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Journal Info

Abbrev

ar-rihlah

Publisher

Subject

Economics, Econometrics & Finance Education

Description

Ar-Rihlah : Jurnal Keuangan dan Perbankan Syariah is an open access peer-reviewed online journal that provides a forum for sharing scientific studies on Islamic finance and banking. Editors welcome articles and research reports that address current issues such as: islamic finance, sharia business, ...