STRATEGI PEMASARAN PRODUK BANK SYARIAH DALAM PERSAINGAN BISNIS PERBANKAN NASIONAL

WADIAH ◽  
2019 ◽  
Vol 1 (1) ◽  
Author(s):  
Irfan Harmoko
Keyword(s):  
Marketing Strategy ◽  
Market Share ◽  
Financial Institutions ◽  
Islamic Law ◽  
Financial Service ◽  
The Public ◽  
Product Marketing ◽  
Conventional Bank

The sharia banks are the financial institutions that operate on the principles of sharia or Islamic law which acts as an intermediary institutions. The growth of sharia bank in Indonesia is quite good, but the market share is still lacking. Some efforts would be solve this problem, as one of them is increasing the market share that gradually increase new costumers. It can be done by creating marketing strategy among others making a sharia banking product that is easily understood by the public, cooperating with the conventional bank to make a sharia service office (KLS), or make a financial service mobile. Keywords : sharia banking product, marketing strategy.

Peran Bank Syariah: Menuju Perekonomian Masyarakat Madani

2019 ◽  
Vol 1 (2) ◽  
pp. 131-144
Author(s):  
Dini Maulana Lestari ◽  
M Roif Muntaha ◽  
Immawan Azhar BA
Keyword(s):  
Financial Markets ◽  
Islamic Law ◽  
Financial Service ◽  
Islamic Banks ◽  
Free Society ◽  
The Public ◽  
Turn On ◽  
The People ◽  
Strategic Role

Islamic banks are present in the community as financial institutions whose activities are based on the principles of Islamic law for the benefit of the people. This study aims to determine the strategic role of Islamic Banks as financial service institutions, the importance of the existence of Islamic Banks and Islamic-based markets and financial instruments in them. In its development, Islamic banks have a role as institutions that turn on public funds, channel funds to the public, transfer assets, liquidity, reallocation of income and transactions. In the Indonesian economic system, the existence of Islamic Banks is important as an alternative solution to the problem of conflict between bank interest and usury. Islamic financial markets and instruments provide a free society of interest and follow a different set of principles. Distribution of profit/ loss according to evidence of participation in the management fund. The division of rental income in the form of musharaka.

scholarly journals Al-Mashaqqah Tajlib Al-Tays¬ir Makna Dan Implikasinya Dalam Pengembangan Ekonomi Islam

2018 ◽  
Vol 3 (2) ◽  
Author(s):  
M. Dliyaul Muflihin
Keyword(s):  
Economic Development ◽  
Financial Institutions ◽  
Islamic Law ◽  
Islamic Banking ◽  
Islamic Banks ◽  
Equal Distribution ◽  
The Public ◽  
Islamic Financial Institutions ◽  
Islamic Economic

The problem of Islamic economics is also increasingly complex with the large number of banks. To meet the needs of transactions, banks have products that are offered to the public. In accordance with the function of the bank, namely collecting and distributing funds to the public. The purpose of channeling funds by Islamic banks is to support the implementation of development, improve justice, togetherness and equal distribution of people's welfare. This paper will answer what is the meaning of al-mashaqqah tajlib al-taysir and how do the Implications of al-mashaqqah tajlib al-taysir in the development of Islamic economy? The result of research shows that the meaning of the rule of al-mashaqqah tajlib al-taysir is the difficulty of bringing convenience. The point is that if implementing a provision of shara' mukallaf faces obstacles in the form of difficulties and limitations that exceed the limits of reasonable capabilities, then the difficulty automatically creates relief provisions. In other words, if we find difficulty in carrying out something that is to be sharia, then the difficulty becomes a justifiable cause to facilitate in carrying out something that is to be provision of sharia, so that we can continue to run the sharia of Allah easily. The implications raised by the rules of al-mashaqqah tajlib al-taysir are the determination of the law of Islamic financial institutions. This impact is seen when Islamic law allows transactions in Islamic banking financial institutions, so that the community will easily meet the needs by transacting with Islamic banking through contracts that have been agreed upon. Keywords: al-Mashaqqah Tajlib al-Taysir, Islamic Economic Development

Strategi Pemasaran Produk Penghimpunan Dana Bank Syariah dalam Upaya Meningkatkan Pangsa Pasar Perbankan Syariah

WADIAH ◽  
2018 ◽  
Vol 2 (1) ◽  
Author(s):  
Irfan Harmoko
Keyword(s):  
Marketing Strategy ◽  
Market Share ◽  
Market Segmentation ◽  
Internet Banking ◽  
Mobile Banking ◽  
High Return ◽  
Product Marketing ◽  
The Way

Market share of sharia banking in Indonesa is low. It’s acontradictif with the realy that Indonesia is a largest moslim population. One of the way to increase sharia bank market share is growth up the funding or DPK. Market segmentation is one of strategy that can be applied. In addition, giving high return, good banking facilities (ATM, CMS, mobile banking, internet banking) can also add attraction for customer to deposit funds the sharia bank.Keywords : funding product, marketing strategy.

scholarly journals منهجية مئسسات الجتهاد الجماعي في السودان: دراسة تحليلية حول مجمع الفقه الإسلامي وهيئات الرقابة الشرعية المصرفية

2018 ◽  
Vol 2 (1) ◽  
pp. 181-217
Author(s):  
محمد شريف بشير الشريف ◽  
محمد يوسف خالد
Keyword(s):  
Special Reference ◽  
Financial Institutions ◽  
Islamic Law ◽  
Modern Technology ◽  
Policy Implications ◽  
Islamic Banks ◽  
Public Issues ◽  
The Public ◽  
Supervisory Boards

The main objective of this paper is to examine the role of collective Ijtihad institutions in Sudan with special reference to the Islamic Fiqh Academy of Sudan (IFA-Sudan) and the Shari'a supervisory boards in Islamic banks. The paper begins with a background of fatwa history in Sudan, focusing particularly on the experience of the Islamic Fiqh Academy (IFA-Sudan), which is a leading institution in the area of collective Ijtihad, through the powers granted to it as an official fatwa institution and discusses its contribution diverse to both society and the state. This paper presents an overview of selected models of Shari'a supervisory boards in Islamic banks and financial institutions including the High Shari'a Supervisory Council (HSSC) in Central Bank of Sudan. It provides also in-depth and strong understanding of Shari'a consultancy mechanisms in Islamic banks and their role in fatwas harmonization in financial matters. Through discussion emphases have given to the working approaches and procedures for the issuance of fatwa and its reinforcement mechanism from the perspective and practices of Islamic law in Sudan. This paper highlights some significant results on the importance of institutions of collective ijtihad, especially in public issues and emerging subjects. In conclusion, some policy implications have been mentioned on the development of fatwa management and use of modern technology to communicate between Shari'a supervisory boards in Islamic Banks and other financial institutions within and outside the country, and the interaction with the public, through answering their religious questions. ملخص البحث يتناول هذا البحث موضوع الجتهاد الجماعي من خلال دور مؤسسات الفتوى في السودان, ويعرض تجاربها في مجال الإفتاء, وإدارة شؤونه. و يركز البحث على تقويم تجربة مجمع الفقه الإسلامي بالسودان, واللذي يعتبر مؤسسة رائدة في مجال الاجتهاد الجماعي, من خلال الصلاحيات الممنوحة له, وما يعرض أمامه من القضايا الدينية في كافة شؤون الحياة, ومجالاتها. كما يعرض البحث نماذج مختارة من تجارب هيئات الرقابة الشرعية للمصارف والمؤسسات المالية الإسلامية بالسودان, و يبين أساليب عملها, والإجراءات المتبعة لديها في إصدار الفتوى الجماعية. ويحاول البحث أن يخلص إلى نتائج مهمة حول أهمية مؤسسات الإجتهاد الجماعي, وضرورة استمرارها في تقديم الفتوى الشرعية, خاصة في القضايا العامة, والمسائل المستجدة بما يشمل مسائل المعاملات والأسرة, والقضايا الطبية والعلمية, إضافة إلى ما يخص الدولة, و المؤسسات, وأفراد المجتمع من قضايا اجتماعية, وسياسية. وفي الختام يقدم البحث توصيات عامة بشأن تطوير هيئات الإفتاء من ناحية إدارتها, واستخدم وسائل التقنية الحديثة في التواصل مع هيئات الإفتاء داخل البلاد وخرجها, والتفاعل مع الجمهور, والإجابة عن أسئلته, واستفتاءاته الدينية.

scholarly journals Analysis of Islamic Banks’ Merger in Indonesia

2021 ◽  
Vol 4 (2) ◽  
pp. 112-120
Author(s):  
Fitri Mareta ◽  
Heliani Heliani ◽  
Siti Elisah ◽  
Andini Ulhaq ◽  
Indri Febriani
Keyword(s):  
Market Share ◽  
Cash Flow ◽  
Islamic Law ◽  
Stock Exchange ◽  
Profit Sharing ◽  
Free Cash Flow ◽  
Islamic Banks ◽  
Discounted Cash Flow ◽  
The Public ◽  
Relative Valuation

Islamic bank is a bank that collects funds from the public by using system profit sharing for every profit it gets and in carrying out its activities in accordance with Islamic law. Remembering that in Indonesia most of the population is Muslim, therefore they need a bank that works in accordance with Islamic law. Considering the number of percentages of Islamic banks in Indonesia are still small and cannot yet dominate the market share, therefore this research is expected to find out whether the merging of 3 Islamic banks (BRIS, BSM and BNIS) able to control market share or not. To see the synergy resulting from this merger is used methods Discounted Cash Flow - Free Cash Flow to Equity and Relative Valuation - Price to Book Ratio. The data used are the financial statements of each bank from 2014 to 2019 which are available on the Indonesia Stock Exchange (IDX) or the websites of each bank.

scholarly journals Analisis Kelayakkan Bisnis Kuliner dan Strategi Pemasaran pada Usaha Waroeng Spesial Sambal Yogyakarta

2018 ◽  
Vol 8 (1) ◽  
pp. 37
Author(s):  
Mufti Afif ◽  
Isna Arifa
Keyword(s):  
Marketing Strategy ◽  
Market Share ◽  
Market Segmentation ◽  
Qualitative Approach ◽  
Marketing Strategies ◽  
Feasibility Analysis ◽  
Business Unit ◽  
Future Prospects ◽  
The People ◽  
Product Marketing

<p>The process of business feasibility analysis is certainly closely related to the management of a business, which will analyze the prospects of market share, future prospects of the product especially to the appropriate marketing strategies to achieve the goals of a business. Waroeng SS is one of the culinary business unit known by the people in Yogyakarta area. This culinary business unit offers products that are different from other food stalls, sambal with various variants but still embed the characteristic of Javanese tongue. And now has earned billions of rupiah in turns per month, and outlets have reached 80 branches in the Java-Bali region. Therefore this paper should like to examine the business feasibility of SS owner in their begining and also to know about their product marketing strategy recently.</p><p>The type of research in this work uses a qualitative approach by digging data through direct interviews, both to the management of Waroeng SS and some of its customers.</p><p>The results conclude that business feasibility analysis is well planned; from the process of market determination, market segmentation, location, price and product have all been analyzed. While the marketing strategy which is done just make the customers trusty as their priority then they will certainly share the information to their colleagues.</p>Keywords: <em>Business Feasibility, Strategy, Marketing, Waroeng SS</em>

scholarly journals AL-MASHAQQAH TAJLIB AL-TAYSIR MAKNA DAN IMPLIKASINYA DALAM PENGEMBANGAN EKONOMI ISLAM

2018 ◽  
Vol 3 (1) ◽  
pp. 11-21
Author(s):  
M. Dliyaul Muflihin
Keyword(s):  
Financial Institutions ◽  
Islamic Law ◽  
Islamic Banking ◽  
Islamic Banks ◽  
Equal Distribution ◽  
The Public ◽  
Islamic Financial Institutions ◽  
The Law

The problem of Islamic economics is also increasingly complex with the large number of banks. To meet the needs of transactions, banks have products that are offered to the public. In accordance with the function of the bank, namely collecting and distributing funds to the public. The purpose of channeling funds by Islamic banks is to support the implementation of development, improve justice, togetherness and equal distribution of people's welfare. This paper will answer what is the meaning of al-mashaqqah tajlib al-taysir and how do the Implications of al-mashaqqah tajlib al-taysir in the development of Islamic economy? The result of research shows that the meaning of the rule of al-mashaqqah tajlib al-taysir is the difficulty of bringing convenience. The point is that if implementing a provision of shara' mukallaf faces obstacles in the form of difficulties and limitations that exceed the limits of reasonable capabilities, then the difficulty automatically creates relief provisions. In other words, if we find difficulty in carrying out something that is to be sharia, then the difficulty becomes a justifiable cause to facilitate in carrying out something that is to be provision of sharia, so that we can continue to run the sharia of Allah easily. The implications raised by the rules of al-mashaqqah tajlib al-taysir are the determination of the law of Islamic financial institutions. This impact is seen when Islamic law allows transactions in Islamic banking financial institutions, so that the community will easily meet the needs by transacting with Islamic banking through contracts that have been agreed upon.

scholarly journals Aplikasi Kerangka Kerja Tadbir Urus Syariah Dalam Agensi Mengurus Zakat di Melaka

2019 ◽  
pp. 396-412
Author(s):  
Abdul Halim Ismail ◽  
Muhammad Firdaus Tubarri ◽  
Noorzakry Nor Jamal ◽  
Azhana Othman ◽  
Zunaidah Ab Hasan
Keyword(s):  
Financial Institutions ◽  
Islamic Law ◽  
Negative Perception ◽  
Governance Framework ◽  
The Public ◽  
Highly Sensitive ◽  
Islamic Financial Institutions ◽  
Shariah Governance ◽  
Conceptual Study

Integrity in handling zakat funds is a highly sensitive matter to the community if it is not properly managed. The issue of negative perception towards the distribution of zakat in Malaysia is due to the lack of trust from the community toward the management of the agency managing the Zakat. This will therefore affect the collection as well as the distribution of zakat funds to the eight group of Asnaf. Therefore, it is necessary for the zakat agency to build up and create a good shariah governance framework to the needs of Islamic law as a benchmark in order to make sure all activities undertaken are on track. This conceptual study aims to implement Shariah Governance Framework to overcome the distrust of the community towards the management of Zakat agency since they do not have any standard of shariah governance framework, like other Islamic Financial Institutions in Malaysia. In conclusion, the proposed Shariah Governance Framework proposed in this study, will give an implication to restore the trust and positive perceptions among the public. Abstrak Ketulusan dalam mengendalikan dana umat Islam terutamanya zakat adalah suatu perkara yang sangat sensitif kepada masyarakat sekiranya tidak diurus dengan baik. Isu persepsi negatif masyarakat terhadap agihan zakat di Malaysia merupakan punca masalah kepada ketidakpercayaan masyarakat dalam pengurusan Agensi Mengurus Zakat. Ketidakpercayaan ini akan memberi kesan kepada kutipan zakat dan secara tidak langsung akan mempengaruhi dana agihan zakat untuk diagihkan kepada lapan (8) golongan asnaf yang layak. Oleh yang demikian, menjadi satu keperluan kepada Agensi Mengurus Zakat untuk mewujudkan satu kerangka kerja urus tadbir yang baik dan menepati kehendak syarak sebagai kayu ukur kepada segala aktiviti yang dilaksanakan berada di landasan yang betul. Kajian konseptual ini berhasrat untuk menerapkan satu kerangka kerja Tadbir Urus Shariah dalam Agensi Mengurus Zakat untuk mengatasi masalah ketidakpercayaan masyarakat terhadap pengurusan Agensi Mengurus Zakat. Tambahan pula Agensi Mengurus Zakat tidak mempunyai kerangka Tadbir Urus Shariah yang standard seperti mana Institusi Kewangan Islam yang lain di Malaysia. Oleh yang demikian, kerangka kerja tadbir urus shariah yang akan dicadangkan memberi implikasi untuk mengembalikan kepercayaan dan persepsi yang positif dikalangan masyarakat.

scholarly journals Pro dan Kontra Konversi Bank Konvensional Menjadi Perbankan Syariah

2021 ◽  
Vol 6 (2) ◽  
pp. 118-130
Author(s):  
Akla Rizka Alamsyah Alamsyah ◽  
Yaser Amri
Keyword(s):  
Qualitative Research ◽  
Financial Institutions ◽  
Islamic Law ◽  
Islamic Banking ◽  
Islamic Banks ◽  
The Public ◽  
Islamic Financial Institutions ◽  
Conventional Banks ◽  
Descriptive Qualitative

Kehadiran Qanun Nomor 11 Tahun 2018 tentang Lembaga Keuangan Syariah berimplikasi pada perkembangan bank syariah di Aceh. Dengan diundangkannya Qanun Lembaga Keuangan Syariah mengharuskan lembaga keuangan yang beroperasi di Aceh berdasarkan prinsip syariah. Akibatnya, bank konvensional di Aceh melakukan konversi menjadi bank syariah. Penelitian ini bertujuan untuk mengetahui pendapat pro dan kontra dari masyarakat terkait implementasi Qanun Nomor 11 Tahun 2018 pada perbankan yang beroperasi di Aceh. Penelitian ini merupakan penelitian kualitatif deskriptif dengan metode pengumpulan data dari studi literatur atau pustaka. Hasil penelitian menunjukkan bahwa pihak yang mendukung konversi bank konvensional menjadi syariah didasarkan pada keinginan untuk menjalankan syariat Islam secara kaffah. Sedangkan pihak yang kontra menolak implementasi dari qanun tersebut dikarenakan kekurangan bank syariah dalam penyediaan fasilitas dan jasa yang sesuai kebutuhan dan terjangkau serta lemahnya persepsi dan tingkat literasi masyarakat mengenai perbankan syariah.   The presence of Qanun Number 11 of 2018 concerning Islamic Financial Institutions has implications for the development of Islamic banks ini Aceh. With the promulgation of the Qanun on Sharia Financial Institutions, it requires financial institutions operating in Aceh to be based on sharia principles. As a result, convesional banks in Aceh converted into Islamic banks. This study aims to determine the opinions of the pro and contra of the public regarding the implementation of Qanun No. 11 Of 2018 in conventional banks operating in Aceh. This research is a descriptive qualitative research with the method of collecting data from literature studies. The results shower that those who supported the converion of conventional banks to Sharia were based on the desire to implements Islamic Law in a kaffah manner. Meanwhile, those sho oppose the implementation of the qanun are due to the lack of Islamic banks in providing facilities and services that are suitable and affordable as well as the weak perception and level of public literacy regarding Islamic banking.

scholarly journals PENGARUH STRATEGI PEMASARAN TERHADAP FUNDING DAN LENDING DI BMT AT-TAJDID TEMAYANG BOJONEGORO

2020 ◽  
Vol 5 (3) ◽  
pp. 45-62
Author(s):  
Nur Musfia ◽  
Arivatu Ni’mati Rahmatika ◽  
Ashlihah
Keyword(s):  
Marketing Strategy ◽  
Financial Institutions ◽  
Economic Activity ◽  
Financial Institution ◽  
Product Price ◽  
Building Community ◽  
Place Promotion ◽  
Product Marketing ◽  
Financing Strategy

Baitul Mal Wat Tamwil is a sharia-based financial institution that manages the financial deposits and financing. Strategy in Marketing BMT At-Tajdid Temayang Bojonegoro Temayang planned to build community confidence that BMT At-Tajdid Temayang Bojonegoro is a business hall in which there are activities to develop Productive efforts and investments in improving the quality of economic activity and also building community confidence that at the BMT At-Tajdid Temayang Bojonegoro can manage the savings with the trust, but with the marketing strategy Whether BMT as a financial institution can compete with conventional financial institutions although the products, prices, places, and promotions have not been adequate so that the main problem will be observed by researchers.             The results showed that the variable marketing strategy (product, price, place, promotion) simultaneously had an effect on funding and lending. It can be proved that the value F count > F table or 99.847 > 4.20. While based on a partial test of a variable marketing strategy the product has a significant effect on funding and lending, it can be proved that the product marketing strategy value T count more > T table or 3.709 > 2.059, price 0.045 > 0.50, place 0.240 > 0.50, Promotion 2.205 > 2.059. The results of this test resulted in a coesophageal determination (R ²) of 0.963 That means 96.3% of the marketing strategy variable in the influence of variable funding and lending while the remaining 3.7% in the influence of other variables that are not conscientious in research This.

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