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STRATEGY OF MARKET SEGMENTATION, TARGETING AND POSITIONING IN INCREASING THE NUMBER OF CUSTOMERS AT PT. BANK MUAMALAT INDONESIA Tbk KCP PANYABUNGAN rosdiyah rosdiyah; abdul nasser hasibuan; azwar hamid; zulaika matondang
Journal Of Sharia Banking Vol 1, No 2 (2020)
Publisher : Institut Agama Islam Negeri Padangsidimpuan

This research is motivated by the large number of people in the city of Panyabungan who are predominantly Muslim who will provide benefits for Islamic banks. Selection of the right market by using market segmentation strategies, targeting and positioning that will help PT. Bank Muamalat Indonesia Tbk KCP Panyabungan in selecting potential customers who are useful to win competition with other banks. The research methodology used is descriptive qualitative using primary data and secondary data. Primary data were obtained by collecting data through interviews and observations, while secondary data were obtained from documents of BMI KCP Panyabungan. The research found that the marketing strategy for BMI KCP Panyabungan products was market segmentation by selecting demographic and behavioral segmentation. Then the targeting is that BMI KCP Panyabungan chooses traders, entrepreneurs and employees as the target market. Next to positioning, BMI KCP Panyabungan builds a good image by embracing Ulama and educating the public that PT. Bank Muamalat Indonesia is an Islamic bank and is free from usury and provides souvenirs containing symbols to Ulama. Meanwhile, the obstacles faced are the size of the area, other competitors.

THE EFFECT OF MURĀBAHAH AND MUSYĀRAKAH FINANCING DISTRIBUTION ON OPERATIONAL REVENUE OF PEOPLE'S FINANCING BANK SHARIA 2015-2018 yakinah yakinah; kamaluddin ritonga; arti damisa; sulaiman efendi
Journal Of Sharia Banking Vol 1, No 1 (2020)
Publisher : Institut Agama Islam Negeri Padangsidimpuan

This research aimed to determine the effect of Murābahah and Musyārakah financing distribution on operating income. This research use the reporting finance by the financial fervices authority of people’s finance Bank Syariah in 2015-2018 as a sample. It used double linear regression method. The result shows that Murābahah and Musyārakah finance have a positive influence on operating income.Abdurrahmat Fhatoni, Metodologi Penelitian Teknik Penyusunan Skripsi, Jakarta: Rineka Cipta, 2011. Adiwarman Karim, Bank Islam: Analisis Fiqih dan Keuangan, Jakarta: PT Raja Grafindo Persada, 2011. Agus Irianto, Statistik Konsep Dasar Aplikasi, dan Pengembangannya, Jakarta: Kencana Prenada Media Group, 2009. Ascarya, Akad dan Produk Bank Syariah, Jakarta: Rajawali Pers, 2013. Departemen Agama, Al-Qur’an dan Terjemahanya, Semarang: Toha Putra, 2010. Duwi Priyatno, SPSS 22 Pengolahan Data Terpraktis, Yogyakarta: CV. Andi Offset, 2014.Dwi Suwiknyo, Kompilasi Tafsir Ayat-Ayat Ekonomi Islam, Yogyakarta: Pustaka Pelajar, 2010. Herman Darmawi, Manajemen Perbankan, Jakarta: Bumi Aksara, 2012. Herry Sutanto Khaerul Umam, Manajemen Pemasaran Bank Syariah, Bandung: Pustaka Setia, 2013. Husein Umar, Metode Penelitian untuk Skripsi dan Tesis Bisnis. Jakarta: Rajawali Pers, 2013. Imam Ghozali, Aplikasi Analisis Multivariate dengan Program IBM SPSS 21, Semarang: Universitas Diponegoro, 2013. Iqbal Hasan, Analisis Data Penelitian Dengan Statistik, Jakarta: PT. Bumi Akasara, 2004. Ismail, Perbankan Syariah, Jakarta: Kencana, 2011. Mardani, Fiqh Ekonomi Syariah, Jakarta: Kencana, 2012. Maulana Hasanuddin Jaih Mubarok, Perkembangan Akad Musyarakah, Jakarta: Kencana, 2012. Mudrajat Kuncoro, Metode Riset untuk Bisnis dan Ekonomi, Jakarta: Erlangga, 2009. M. Nur Rianto Al-Arif, Lembaga Keuangan Syariah, Bandung: Pustaka Setia, 2012. Muhammad Syafi’i Antonio, Bank Syariah: Dari Teori ke Praktik, Jakarta: Gema Insani Pers, 2016. Muhammad Teguh, Metodologi penelitian ekonomi Teori dan Aplikasi, Jakarta: PT Raja Grafindo Persada, 2005. Rizal Yaya, dkk., Akuntansi Perbankan Syariah, Jakarta: Selemba Empat, 2014. Singgih Santoso, Panduan Lengkap SPSS Versi 23, Jakarta: Alex Media Komputindo, 2016. Slamet Haryono, Analisis Laporan Keuangan Perbankan Syariah, Yogyakarta: Pustaka Sayid Sabiq, 2009. Sugiyono, Metode Penelitian Bisnis (Bandung: Alfabeta, 2012), hlm. 88. Sutan Remy Sjahdeini, Perbankan Syariah Produk-Produk dan Aspek-Aspek Hukumnya, Jakarta: Kencana Prenada Media Group, 2014. Trisadini P.Usanti dan Abd Shomad, Transaksi Bank Syariah, Jakarta: Bumi Aksara, 2013. Veithzal Rivai Arvian Arifin, Islamic Banking, Jakarta: PT.Bumi Aksara, 2010. Wiroso, Produk Perbankan Syariah, Jakarta: LPFE Usakti, 2009. Zainul Arifin, Dasar-Dasar Manajemen Bank Syariah, Jakarta: AlvaBet, 2002.

The Effect of Profitability Ratios on Financial Distress in Islamic Commercial Banks in Indonesia hasanah siregar; darwis harahap; abdul nasser hasibuan; nofinawati nofinawati
Journal Of Sharia Banking Vol 1, No 2 (2020)
Publisher : Institut Agama Islam Negeri Padangsidimpuan

The background of this research is based on the existing theory that the higher the level of profit sharing, the Musyarakah financing will increase, conversely if the profit sharing rate decreases, the Musyarakah financing will tend to decrease. This is not in accordance with the financial statements of sharia commercial banks and sharia business units for the 2016-2018 period. So that the formulation of the problem in this research is whether there is an effect on the level of revenue sharing towards the financing of Musyarakah in Sharia Commercial Banks and Sharia Business Units for the 2016-2018 Period. And this study aims to determine whether there is an effect of the level of profit sharing on the financing of Musyarakah in Sharia Commercial Banks and Sharia Business Units for the 2016-2018 Period. This study deals with financial statements that discuss the notion of financing, elements of financing, financing functions, financing benefits, understanding Musyarakah, types of Musyarakah, Al-Musyarakah benefits, Understanding of results, basic principles of the concept of revenue sharing, method of calculation of results , the application of profit sharing in Islamic banking, in connection with the approach taken is the theories relating to the financing of Musharaka, profit sharing. This type of research is descriptive quantitative research. The data source used is secondary data taken through www.ojk.go.id. Data collection techniques used are literature study and documentation based on financial reports on the level of profit sharing, musyarakah financing at Sharia Commercial Banks and Sharia Business Units for the 2016-2018 Period. The data analysis technique used is descriptive analysis test, normality test, simple linear regression analysis test, hypothesis test: t test, determination coefficient test (R2). The results of the study partially indicate that the level of revenue sharing affects the financing of Musyarakah.

Factors Affecting the Interest of Prospective Hajj Pilgrims Choosing Arafah Savings at PT. Bank Muamalat Indonesia Tbk KCU Padangsidimpuan afni lestari; darwis harahap; sry lestari; syuaib nasution
Journal Of Sharia Banking Vol 1, No 1 (2020)
Publisher : Institut Agama Islam Negeri Padangsidimpuan

This research is motivated by the lack of interest of prospective pilgrims in choosing Hajj Arafah savings at PT. Bank Muamalat Indonesia Tbk KCU Padangsidimpuan, the data obtained fluctuated. The purpose of this study was to determine the effect of promotion, service, and product simultaneously on customer interest in choosing Hajj Arafah savings savings at Bank Muamalat Indonesia Tbk KCU Padangsidimpuan. This research is a quantitative research, the data source used is primary data. The data collection technique used is a questionnaire, with a sample of 92 respondents and the sample measurement technique is the Slovin formula. The analysis used is validity test and reliability test and classical assumption test. Multiple linear regression analysis, hypothesis testing and determination coefficient test R2. The results of this study simultaneously promotion, service, and product simultaneously influence the interest of prospective pilgrims to choose Arafah savings at PT. Bank Muamalat Indonesia Tbk KCU Padangsidimpuan.

Determinants Of Interest Using Quick Response Indonesian Standard (Qris) dulmen dulmen; abdul nasser hasibuan; Ali Hardana ali_hardana; arti damisa
Journal Of Sharia Banking Vol 2, No 2 (2021)
Publisher : Institut Agama Islam Negeri Padangsidimpuan

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.24952/jsb.v2i2.5119

There is a Quick Response Indonesian Standard (QRIS) application service provided by Indonesian banks to users to enable non-cash transactions via smartphones, but eighty-nine percent of Islamic banking students at IAIN Padangsidimpuan do not know, banking students should be the ones who better understand and at the same time as parties. So that the formulation of the problem and the purpose of the problem in this study is whether there is an influence of knowledge on interest in using QRIS, is there a beneficial effect on interest in using QRIS and is there a risk effect on interest in using QRIS and to find out whether there is an effect of knowledge on interest in using QRIS, to find out is there a beneficial effect on interest in using QRIS, and to find out whether there is an effect of risk on interest in using QRIS. The theory used in this study is about interest in knowledge, benefits, risks, and the Quick Response Indonesian Standard (QRIS). This research is a quantitative research. The data source used is primary data. The data collection technique used was a questionnaire with a sample size of 90 people. Data processing used SPSS version 24 software. The analysis techniques used were validity test, reliability test, normality test, linearity test, multi-linearity test, heteroscedasticity test, determination coefficient, partial (t) test and simultaneous (f) test and multiple linear regression analysis. . The results of the research test (t) indicate that the knowledge variable has a negative and insignificant effect on the interest in using QRIS, the benefit variable has a positive and significant effect on the interest in using QRIS, the risk variable has a negative and insignificant effect on the interest in using QRIS. While the test results (f) of the simultaneous variables of knowledge, benefits and risks have an influence on the interest in using the Quick Response Indonesian Standard (QRIS).

The Use Of E-Muamalat Facilities In Attracting Customer Interest IN PT. Bank Muamalat Indonesia TBK. KCP Panyabungan misbah misbah; budi gautama; muhammad wandisyah; samsuddin muhammad
Journal Of Sharia Banking Vol 2, No 2 (2021)
Publisher : Institut Agama Islam Negeri Padangsidimpuan

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.24952/jsb.v2i2.5039

Banking service facilities using information technology are called Electronic Muamalat. With advances in information technology, customers can make transactions from anywhere and anytime quickly and easily, so as to further increase the volume of transactions that occur at a bank. However, only some of the customers of Bank Muamalat Indonesia Tbk. KCP. Panyabungan that uses E-Muamalat. The purpose of this study is to find out how customers perceive E-Muamalat and the factors that cause customers to use E-Muamalat at PT. Bank Muamalat Indonesia Tbk. KCP Panyabungan. Theories used in this study include Definition of Interests, Banking Services, Technology Banking Services, Electronic Banking, Banking History, Types of Electronic Transactions and Products at PT. Bank Muamalat Indonesia Tbk. Panyabungan KCP. This research is field research using a qualitative approach with data collection techniques using the Interview, Documentation, Observation method, while the data sources used are primary and secondary. Based on the results of research that has been carried out by researchers, it can be seen that customer perceptions of E-Muamalat are very practical, super-fast, and accurate without having to come to the office when they want to transact, besides that the factors that cause customers to use E-Muamalat because they don't want to miss out on electronic-based banking products. Banking.

The Use Of E-Muamalat Facilities In Attracting Customer Interest IN PT. Bank Muamalat Indonesia TBK. KCP Panyabungan misbah misbah; budi gautama; muhammad wandisyah; samsuddin muhammad
Journal Of Sharia Banking Vol 2, No 2 (2021)
Publisher : Institut Agama Islam Negeri Padangsidimpuan

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.24952/jsb.v2i2.5040

Banking service facilities using information technology are called Electronic Muamalat. With advances in information technology, customers can make transactions from anywhere and anytime quickly and easily, so as to further increase the volume of transactions that occur at a bank. However, only some of the customers of Bank Muamalat Indonesia Tbk. KCP. Panyabungan that uses E-Muamalat. The purpose of this study is to find out how customers perceive E-Muamalat and the factors that cause customers to use E-Muamalat at PT. Bank Muamalat Indonesia Tbk. KCP Panyabungan. Theories used in this study include Definition of Interests, Banking Services, Technology Banking Services, Electronic Banking, Banking History, Types of Electronic Transactions and Products at PT. Bank Muamalat Indonesia Tbk. Panyabungan KCP. This research is field research using a qualitative approach with data collection techniques using the Interview, Documentation, Observation method, while the data sources used are primary and secondary. Based on the results of research that has been carried out by researchers, it can be seen that customer perceptions of E-Muamalat are very practical, super-fast, and accurate without having to come to the office when they want to transact, besides that the factors that cause customers to use E-Muamalat because they don't want to miss out on electronic-based banking products. Banking.

The Influence Of Islamic Income And Financial Literacy On The Decision To Finance In Islamic Banks saparuddin saparuddin; Windari windari; azwar hamid; ananda anugrah
Journal Of Sharia Banking Vol 2, No 2 (2021)
Publisher : Institut Agama Islam Negeri Padangsidimpuan

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.24952/jsb.v2i2.5041

The results of the initial survey of traders in Panyabungan District as many as 37 out of 50 chose credit from conventional banks over financing in Islamic banks. The decrease in people's income levels drastically due to coronavirus disease, resulting in lowering people's purchasing power so that it will affect the income of traders.The low Islamic financial literacy that occurs in the community, which is only 8.93%, is far below the national financial literacy of 38.03%. The formulation of the problem in this study is whether income has an effect on traders' decisions to finance at Islamic banks in Panyabungan District? Does Islamic financial literacy affect traders' decisions to finance at Islamic banks in Panyabungan District? Do income and Islamic financial literacy simultaneously affect the decision of traders to do financing at Islamic banks in Panyabungan District?. This research is quantitative research.The sample in this study amounted to 70 respondents using the incidental sampling technique. The data analysis techniques used are validity test, reliability test, descriptive statistical analysis test, normality test, multicollinearity test, heteroscedasticity test, multiple linear regression test, t-test, and F test. The results of the study used the t-test of income with –ttable ≤ tcount ≤ ttable (-1.66792 ≤ - 1.304 ≤ 1.66792) with sig. 0.197 0.1, it can be concluded that income has no effect on the decision of traders to finance at Islamic banks in Panyabungan District, Islamic financial literacy with tcount ttable (3.646 1.66792) with a sign. 0.001 0.1, it can be concluded that Islamic financial literacy affects the decision of traders to finance at Islamic banks in Panyabungan District. The results of the F test show that Fcount is 7.232 Ftable is 2.38 with a sign. 0.001 0.1, so it can be concluded that income and Islamic financial literacy simultaneously affect the decision of traders to finance at Islamic banks in Panyabungan District.The results of the initial survey of traders in Panyabungan District as many as 37 out of 50 chose credit from conventional banks over financing in Islamic banks. The decrease in people's income levels drastically due to coronavirus disease, resulting in lowering people's purchasing power so that it will affect the income of traders.The low Islamic financial literacy that occurs in the community, which is only 8.93%, is far below the national financial literacy of 38.03%. The formulation of the problem in this study is whether income has an effect on traders' decisions to finance at Islamic banks in Panyabungan District? Does Islamic financial literacy affect traders' decisions to finance at Islamic banks in Panyabungan District? Do income and Islamic financial literacy simultaneously affect the decision of traders to do financing at Islamic banks in Panyabungan District?. This research is quantitative research.The sample in this study amounted to 70 respondents using the incidental sampling technique. The data analysis techniques used are validity test, reliability test, descriptive statistical analysis test, normality test, multicollinearity test, heteroscedasticity test, multiple linear regression test, t-test, and F test. The results of the study used the t-test of income with –ttable ≤ tcount ≤ ttable (-1.66792 ≤ - 1.304 ≤ 1.66792) with sig. 0.197 0.1, it can be concluded that income has no effect on the decision of traders to finance at Islamic banks in Panyabungan District, Islamic financial literacy with tcount ttable (3.646 1.66792) with a sign. 0.001 0.1, it can be concluded that Islamic financial literacy affects the decision of traders to finance at Islamic banks in Panyabungan District. The results of the F test show that Fcount is 7.232 Ftable is 2.38 with a sign. 0.001 0.1, so it can be concluded that income and Islamic financial literacy simultaneously affect the decision of traders to finance at Islamic banks in Panyabungan District.

Analysis Of Public Interest In Banking Products tukma tukma; darwis harahap; ihdi aini; ida royani
Journal Of Sharia Banking Vol 2, No 2 (2021)
Publisher : Institut Agama Islam Negeri Padangsidimpuan

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.24952/jsb.v2i2.5042

This research is based on the fact that there are still many people in Environment I Of Muara Manompas Village, Muara Batang Toru District, not yet familiar with Islamic bank products. The rapid development of Islamic banks has not been able to affect the public interest in products offered by Islamic banks. The entire community of Environment I Muara Manompas Village is Muslim, but public interest in Islamic bank products is still low. This is evidenced by the number of people who prefer products offered by conventional banks rather than Islamic banks. Andri Wicaksono's theory of expressing interest is a tendency that still pays attention to some activities. According to Yudrik Jahja in his book, Educational Psychology interest is an impulse that causes the bonding of individual attention to certain objects such as work, lessons, objects, and people. The sampling technique used is random sampling. Data processing uses SPSS application version 23. Data analysis uses instrument validity and reliability tests, descriptive statistical analysis tests, normality tests, classical assumption tests consisting of multicollinearity tests and heteroskedasticity tests, multiple linear regression tests, and hypothesis tests. The results of this study showed partially the variable of knowledge has an influence on public interest with a value of thitung = 1.841, so thitung ttabel, (1,841 1.66792). Location variables have an influence on people's interests with thitung value = 1.917 so that thitung ttabel (1.917 1.66792) and service quality variables have no effect on public interest with thitung value = 1.172 so thitung ttabel (1,172 1.66792). The results of simultaneous research show that the variables of knowledge, location, and quality of service have an influence on people's interests.

Rahn Tasjily Product Development Strategy at PT. Pegadaian (Persero) Sharia Service Unit Mandailing Natal suaibah suaibah; arbanur rasyid; adanan murrah; rahmat annam
Journal Of Sharia Banking Vol 2, No 2 (2021)
Publisher : Institut Agama Islam Negeri Padangsidimpuan

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.24952/jsb.v2i2.5043

The background of the problem in this study is that the product development strategy rahn tasjily has been implemented well with evidence that there are some customers who have become customers of tasjily rain products, but the process in increasing the number of customers has still not increased. The formulation of this research problem is how the product development strategy rahn tasjily at PT. Pegadaian (Persero) Sharia Service Unit Mandailing Natal, any obstacles in developing the number of customers of rahn tasjily products at PT. Pegadaian (Persero) Sharia Service Unit Mandailing Natal. This research uses qualitative approaches with data collection techniques in the form of interview guidelines, observation and documentation, data reduction analysis techniques, data presentation, and conclusion withdrawal. The subject of this study is the leadership and employees of PT. Pegadaian (Persero) Unit of Sharia Services Mandailing Natal and customers as many as 4 people, the data source used is primary data and secondary data. The results showed that rahn tasjily product development strategy in PT. Pegadaian (Persero) Mandailing Natal Sharia Service Unit is a marketing mix that is one of them with promotion through social media, direct promotion, jumping into the field, and socialization. The strategy has not increased because the public does not know the product rahn tasjily well. Constraints of PT. Pegadaian (Persero) Sharia Service Unit Mandaiiling Natal in marketing products to improve there are some of the promotions that are done less, lack of socialization, limited operational costs. And the assumption of the community that pawnshops only as a place to pawn money.

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ali hardana

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journalofshariabanking@gmail.com

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+6282272398319

Journal Mail Official
hardanaali53@gmail.com

Editorial Address
Jalan T. Rizal Nurdin KM 4,5 Sihitang Kota Padangsidimpuan

Location
Kota padangsidimpuan,

Sumatera utara

INDONESIA

Abstract

Abstract

Abstract

Abstract

Abstract

Abstract

Abstract

Abstract

Abstract

Abstract

Home Page

OAI Link

Editorial Team

Contact

Reviewer

Google Scholar

Contact Name ali hardana

Contact Email journalofshariabanking@gmail.com

Phone +6282272398319

Journal Mail Official hardanaali53@gmail.com

Editorial Address Jalan T. Rizal Nurdin KM 4,5 Sihitang Kota Padangsidimpuan

Location Kota padangsidimpuan, Sumatera utara INDONESIA

Abstract

Abstract

Abstract

Abstract

Abstract

Abstract

Abstract

Abstract

Abstract

Abstract

Contact Name
ali hardana

Contact Email
journalofshariabanking@gmail.com

Phone
+6282272398319

Journal Mail Official
hardanaali53@gmail.com

Editorial Address
Jalan T. Rizal Nurdin KM 4,5 Sihitang Kota Padangsidimpuan

Location
Kota padangsidimpuan,

Sumatera utara

INDONESIA