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Strategi Pengelolaan Dana Pihak Ketiga dalam Meningkatkan Likuiditas pada Bank Syariah Indonesia: Studi Kasus BSI KCP Probolinggo Dinda Agustin; Muhammad Hifdil Islam; Maula Nasrifah
Economic Reviews Journal Vol. 3 No. 1 (2024): Economic Reviews Journal
Publisher : Masyarakat Ekonomi Syariah Bogor

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.56709/mrj.v3i1.149

Abstract

Banking is a company that operates in the service sector, the function of banking is to collect and distribute funds from the public. Fund collection plays a very important role for Bank Syariah Indonesia (BSI), because the funds collected will be distributed to the community in the form of financing and management of third party funds is an important aspect in managing bank liquidity, therefore the Bank has its own role. This research aims to find out how the Bank can utilize funding sources to increase its liquidity and to find out what strategies are implemented by the Bank. The method used is direct observation or interviews with the BSI KCP Probolinggo funding party. In analyzing the data, the author uses descriptive qualitative data analysis, which means the data is described systematically about the strategies carried out by PT. Indonesian Sharia Bank KCP Probolinggo. The research results reveal that the strategy used to increase and maintain TPF at Bank Syariah Indonesia is to seek large amounts of retail funds, offer competitive products, collaborate with business partners, cheap funds, not entrusted funds.
Strategi Pemasaran Cicil Emas (CILEM) untuk Meningkatkan Minat Nasabah di BSI KCP Probolinggo Nura Safira; Abd Aziz; Maula Nasrifah
Economic Reviews Journal Vol. 3 No. 1 (2024): Economic Reviews Journal
Publisher : Masyarakat Ekonomi Syariah Bogor

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.56709/mrj.v3i1.150

Abstract

Bank Syariah Indonesia (BSI) provides financing services for purchasing gold known as BSI gold installments. This product scheme is based on a murabahah contract as the basis of the agreement, with the use of a rahn (pawn) agreement as a collateral binder. The gold used is gold bullion, bullion and Antam precious metals, where the initial payment is 20%, while the remaining 80% can be paid in installments. This research aims to find out how the marketing strategy for gold installments affects people's interest in becoming gold installment customers at BSI KCP Probolinggo. This research method uses field studies and is descriptive qualitative in nature. The data collection techniques used included interview techniques, observation and documentation carried out with BSI KCP Probolinggo. The research results show that the Wa blast strategy of offering gold installments is the most effective strategy for existing customers, while the personal selling approach is the most effective strategy for attracting new customers at BSI KCP Probolinggo. With these two strategies, it is the best and most reducible strategy for long-term investment.
Analisis Kinerja Keuangan Perusahaan Daerah (Studi Kasus pada Perusahaan Daerah “Rengganis” Kabupaten Probolinggo Jawa Timur Tahun 2018 - 2020) Nurlaili Oktaviani; Maula Nasrifah
Journal of Islamic Contemporary Accounting and Business Vol. 2 No. 1 (2024): JICAB
Publisher : Tazkia Islamic University College

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.30993/jicab.v2i1.325

Abstract

The Rengganis Regional Company of Probolinggo Regency is a company engaged in services that manages (Sports Building) Sasana Krida Gymnasium & Tennis Court, Jabung Tirta Swimming Pool and Bremi Pesanggrahan. To determine the success of the company's ability to develop its business, we can assess the company's performance through financial reports. The purpose of this study was to determine the financial performance of the Rengganis Regional Company, Probolinggo Regency, East Java in 2018 - 2020 and to describe the financial soundness of the Rengganis Regional Company of Probolinggo Regency from 2018 to 2020 based on the Decree of the Minister of SK Menteri BUMN Nomor : KEP-100/ MBU/ 2002. The research approach that the author uses is a descriptive qualitative approach, which is directed at how the financial performance and health level of the Regional Company Rengganis Kab. Probolinggo. Data obtained from financial reports sourced from the Regional Company Rengganis Kab. Probolinggo in 2018, 2019 and 2020. The results show that the financial soundness of the Rengganis Regional Company during the three accounting periods, 2018, 2019 and 2020 according to the Decree of the Minister of SK Menteri BUMN Nomor : KEP-100/ MBU/ 2002 through 8 ratio indicators is not good. This is due to the less than optimal management of the financial performance of the Rengganis regional company.