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Contact Name
Ajeng Pipit Fitriani
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falahiya@iainponorogo.ac.id
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085730471755
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falahiya@iainponorogo.ac.id
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Faculty of Economics and Islamic Business IAIN Ponorogo Campus II, Jenangan, Ponorogo, East Java, Indonesia 63492
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Kab. ponorogo,
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INDONESIA
Falahiya
Published by Institut Agama Islam Negeri Ponorogo
ISSN : 29649811     EISSN : 29648130     DOI : https://doi.org/10.21154/falahiya
Core Subject : Economy, Social,
Economics, Econometrics & Finance Social Sciences
Falahiya: Research Journal of Islamic Banking and Finance is a journal published by the Islamic Banking Department of the Faculty of Islamic Economics and Business, IAIN Ponorogo. The scope of the journal is scientific papers by students or collaborations between students and lecturers in the field of Islamic finance and banking. It is published twice a year in the months of June and December. The publication process is carried out through a peer-review process in accordance with scientific publication standards. Incoming manuscripts are selected by the editorial board and evaluated by expert partners.
Arjuna Subject : Ilmu Ekonomi, Ekonometrika dan Keuangan (semua kategori) - Ilmu Ekonomi, Ekonometrika dan Keuangan (Lain-Lain)
Articles 6 Documents
 1 
Search results for , issue "Vol. 3 No. 2 (2024)" : 6 Documents clear
Pengaruh Kualitas Pelayanan dan Religiusitas terhadap Keputusan Menggunakan Produk Tabungan Bank Syariah Indonesia Kantor Cabang Pembantu Ponorogo Soetta Fegga Fisetya Rahmadi Putera; Yulia Anggraini
Falahiya: Journal of Islamic Banking and Finance Vol. 3 No. 2 (2024)
Publisher : Institut Agama Islam Negeri Ponorogo

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.21154/falahiya.v3i2.1959

Abstract

Introduction: In Islamic banking, what is meant by purchasing decisions is the decision to save or use savings products from Islamic banking. This research was conducted due to inadequate service at BSI KCP Ponorogo Soetta for its customers. In addition, customer trust in Islamic banks is still lacking. The main purpose of this research is to examine and analyze service quality and religiosity for the decision to use the BSI KCP Ponorogo Soetta savings product. Research Methods: This research is a research with a quantitative approach. the sample used was 100 respondents. The data analysis method in this study used Partial Least Square (PLS) analysis with the help of the SmartPLS 4 program application. Results: Based on the results of data analysis conducted by researchers, it can be concluded that (1) Service quality has a significant effect on the decision to use savings products (2) Religiosity has a significant effect on the decision to use a savings product. Conclusion: The quality of service and religiosity simultaneously have a significant effect on the decision to use a savings product.
Strategi BPRS Mitra Mentari Sejahtera dalam Meningkatkan Minat Pelajar untuk Menabung di Tabungan Simpel Ib (Simpanan Pelajar) Nilam Nurylawati; Nurma Fitrianna
Falahiya: Journal of Islamic Banking and Finance Vol. 3 No. 2 (2024)
Publisher : Institut Agama Islam Negeri Ponorogo

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.21154/falahiya.v3i2.2408

Abstract

Introduction: Bank strategy is a planning and management to achieve certain goals carried out by bussiness entities to collect funds from the public in the form of savings and channel them to the community in the form of financing to improve people’s lives. The main objective of this study in to analyze the strategy of BPRS Mitra Mentari Sejahtera in increasing students’ interest saving, secondly to analyze the factors influencing students’ interest in using Simpel iB saving, and thirdly to analyze the effectiviness of the strategy implemented by BPRS Mitra Mentari Sejahtera in increasing student interest.to save. Research Methods: This type of research is field research with a qualitative approach. As for the data collection techniques of observation, interviews and docummentation. The analysis used uses the inductive method, namely a method that draws conclusions based on these observations. Result:The results of the study show that: 1) The strategies used by BPRS Mitra Mentari Sejahtera in creasing students’ interest in saving using the 4P Marketing Mix are, Product, Price, Place, and Promotion. However, of the 4P, the most frequently used are promotions with direct socialization using bank sarvice cars (ball pick-up systems) and inderect socialization (print and online media). 2) factors that influence students’ interest in saving are internal and external factors. Internal factors are factors from within ourselves, namely factors needs and desires. While external factors are factors that are influenced from outside, namely culture and environment. 3) The effectiveness of the strategy implemented by BPRS Mitra Mentari Sejahtera increasing students’ interst in saving can be said to be effective with a system implemented in the form of outreach.
Strategi Bank dalam Meningkatkan Jumlah Nasabah pada Produk Pembiayaan KPR Ib Muamalat KCP Ponorogo Ro Esta Wintari; Khoirun Nisak
Falahiya: Journal of Islamic Banking and Finance Vol. 3 No. 2 (2024)
Publisher : Institut Agama Islam Negeri Ponorogo

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.21154/falahiya.v3i2.3202

Abstract

Introduction: The research in this thesis is motivated by the decline in the number of customers in the iB Muamalat KPR financing product, in this product the number of customers is the lowest compared to other products. Research Methods: This research method uses field research using a qualitative approach. Results: The results of this research are the bank's strategy in increasing the number of customers on the iB Muamalat KPR financing product, namely with an excellent service strategy which consists of 6 concepts, namely ability, attitude, appearance, attention, action, accountability. accountability. The supporting factors in increasing the number of customers are product quality, service quality and emotionality. Meanwhile, the inhibiting factors are that it is not easy to woo customers, frequent rejections, complaints about requirements, and competition with other banks. Conclusion: The bank's strategy has had a positive impact in increasing the number of customers.
Persepsi Tokoh Agama di Desa Ngile Kecamatan Tulakan Kabupaten Pacitan tentang Perbankan Syariah Ana Silmi Kaffata; Ruliq Suryaningsih
Falahiya: Journal of Islamic Banking and Finance Vol. 3 No. 2 (2024)
Publisher : Institut Agama Islam Negeri Ponorogo

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.21154/falahiya.v3i2.3334

Abstract

Introduction: The aim of this research is to determine and analyze perceptions, factors that influence perceptions and the impact of the perceptions of religious figures in Ngile Village regarding sharia banking. Research Methods: The type of research used in this research is field research. Data collection techniques through interviews, observation and documentation. The data validity technique uses source triangulation. Data analysis techniques use data reduction techniques, data presentation, and drawing conclusions. Results: The results of this research show that the perception of religious leaders in Ngile Village still considers sharia banks to be the same as conventional banks. In this research, the need factor is the main internal factor that really influences figures to use sharia banks, where religious figures use sharia banks for their Hajj needs. Conclusion: Religious figures still use conventional banks for daily financial transactions. People who have heard information about sharia banking from religious figures will think the same as these figures, in other words religious figures influence the people of Ngile Village.
Strategi Pemasaran Produk Pembiayaan Mitra Usaha Ib melalui Pendekatan Personal Selling di BPRS Mitra Mentari Sejahtera Ponorogo Aditya, Rian; Said Abadi
Falahiya: Journal of Islamic Banking and Finance Vol. 3 No. 2 (2024)
Publisher : Institut Agama Islam Negeri Ponorogo

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.21154/falahiya.v3i2.3857

Abstract

Introduction: BPRS Mitra Mentari Sejahtera has implemented personal selling as a marketing method, but according to data obtained by researchers, iB business partner financing products have not experienced an increase in the number of customers. So this research shows that personal selling marketing has a less than optimal role in influencing customer interest in using iB Business Partner Financing. Research Methods: This research uses a qualitative approach using field research methods and this type of research is field research and the techniques used are interviews, documentation and observation. Results: The results of this research are BPRS Mitra Mentari Sejahtera in its implementation only applies 5 of the 7 strategies from Kotler and Keller's theory, including prospecting, approach, presentation, handling objections, closing, while the strategies that are not used are preapproach and follow up. The obstacle to the implementation of BPRS Mitra Mentari Sejahtera is the lack of extensive marketing carried out by the bank. Conclusion: this research shows that personal selling marketing has a less than optimal role in influencing customer interest in using iB Business Partner Financing.
Persepsi Kemanfaatan dalam Penggunaan BSI Mobile oleh Generasi X, Y dan Z Alsya Syaepana; Verbena Ayuningsih Purbasari
Falahiya: Journal of Islamic Banking and Finance Vol. 3 No. 2 (2024)
Publisher : Institut Agama Islam Negeri Ponorogo

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.21154/falahiya.v3i2.3967

Abstract

Introduction: In this era of rapid technological development, the number of BSI mobile users is still very small. And many customers do not use BSI Mobile even though they have the application. Then there are field facts that show differences with the theory of attitudes towards technology by generations X, Y and Z. So the purpose of this study is to find out how the perception of usefulness by the three generations in the use of BSI Mobile and to find out how the impact of this on the number of BSI Mobile usage. Research Methods: This research is qualitative research and includes the type of research (field research). Results: The results of this study show that generations X and Y have a positive perception of BSI Mobile benefits, which shows that BSI Mobile makes their work faster, increases productivity, makes work performance better, their work is easier, BSI mobile is very useful for them and feels BSI Mobile It is effective. Then also in generation Z they have a perception of expediency that BSI Mobile makes their work faster, makes job performance better, work easier, and feels BSI Mobile is effective. However, generation Z feels that BSI mobile provides less benefits for them and does not increase their productivity. Conclusion: The impact of the perceived usefulness of generations X, Y and Z is an increase in the number of BSI Mobile usage.

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