Kawakib: Journal of Multidisciplinary Research
Vol. 1 No. 4 (2025)

Marketing Strategy for Home Ownership Financing (PPR) Products at Bank BJB Syariah KCP Indramayu

Meida Tisnawati Putri (Unknown)



Article Info

Publish Date
24 Jul 2025

Abstract

Financial services are an essential part of the modern economy, including the banking sector, which plays a vital role in supporting economic development. In the Islamic economic system, the significance of Islamic banking has grown rapidly along with increasing public awareness of Sharia-based financial principles. Bank BJB Syariah KCP Indramayu, one of the Islamic banks in Indonesia, supports government programs through subsidized Sharia-based Home Financing (PPR) products. These products aim to assist low-income communities (MBR) in obtaining proper housing through Sharia contracts such as Murabaha, Musharakah Mutanaqisah, and Ijarah Muntahiyah Bi Tamlik. This study aims to explore the marketing strategies employed by Bank BJB Syariah KCP Indramayu to increase public interest in subsidized Sharia-based PPR products. A qualitative approach was used to collect data through interviews and direct observations at the research site. The results indicate that the marketing strategies implemented include utilizing customer data for personalized offers, conducting the "Grebek Pasar" program, distributing brochures as an information medium, and more. The main challenges identified include the lack of Sharia literacy in finance, competition from conventional banks, and the limited purchasing power of the local community.

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Journal Info

Abbrev

i

Publisher

Subject

Religion Humanities Education Languange, Linguistic, Communication & Media Social Sciences

Description

Kawakib, Journal of Multidisciplinary Research is an open access and peer reviewed journal published by Konsultan Jurnal Ilmiah Indonesia which provides articles in related scientific fields. The scope of Kawakib, Jurnal Riset Multidisiplin contains research articles from researchers, academics, and ...