Indri Damayanti
Institut Teknologi dan Bisnis (ITB) Swadharma

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STRATEGI PEMASARAN PRODUK TABUNGAN BRITAMA PADA PT. BANK RAKYAT INDONESIA (PERSERO) TBK KANTOR CABANG BINTARO Indri Damayanti; Rosalina Ayudia; Erman Sutandar
REMITTANCE: JURNAL AKUNTANSI KEUANGAN DAN PERBANKAN Vol 2, No 2 (2021): REMITTANCE DESEMBER 2021
Publisher : Institut Teknologi dan Bisnis Swadharma

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.56486/remittance.vol2no2.168

Abstract

Marketing is an institutional activity as a process for creating, communicating, delivering, and exchanging products or services that have value for customers, clients, partners, and society at large. The purpose of the study was to examine the right strategy in marketing the Britama savings product at PT. BRI (Persero) Tbk Bintaro Branch Office. This research is qualitative research with field study method and literature study. The results of the research are strategies that can be carried out to increase sales of Britama savings products, namely by using Personal Selling, Advertising, Publicity, Sales Promotion, Mass Selling, Merchant Cooperation Program Expansion, and Sponsorship & Exhibition strategies. The reason for combining these strategies is because BritAma's savings position is in the product life cycle, which is in the introduction stage
ANALISIS PENERAPAN SISTEM BAGI HASIL TABUNGAN EASY MUDHARABAH PADA BANK SYARIAH INDONESIA (PERSERO ) TBK KANTOR CABANG PEMBANTU PARUNG Indri Damayanti
REMITTANCE: JURNAL AKUNTANSI KEUANGAN DAN PERBANKAN Vol 3, No 1 (2022): REMITTANCE JUNI 2022
Publisher : Institut Teknologi dan Bisnis Swadharma

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.56486/remittance.vol3no1.217

Abstract

This study aims to analyze how the profit-sharing system according to sharia rules is applied to Easy Mudharabah Savings at Bank Syariah Indonesia. The research method is descriptive and quantitative with the type of case study research on the object under study. Sources of data used include primary data and secondary data. Research data collection was carried out by interviewing the Branch Manager and Marketing of Bank Syariah Indonesia (Persero), Tbk. KCP Parung. The results of the research at Bank Syariah Indonesia (Persero), Tbk. KCP Parung has used the calculation of profit-sharing based on revenue sharing and the contract applied is the Mudharabah Mutlaqah contract. For future developments, Bank Syariah Indonesia (Persero), Tbk. KCP Parung must increase the introduction of products to the public and must be able to take advantage of the strategic location of the office
PENANGANAN NASABAH GAGAL BAYAR PADA AKAD MURABAHAH DI BANK SYARI’AH INDONESIA KANTOR CABANG PEMBANTU PARUNG BOGOR Tatyana Tatyana; Indri Damayanti; Petrus Aji Pratama Putra Atmaka
REMITTANCE: JURNAL AKUNTANSI KEUANGAN DAN PERBANKAN Vol 3, No 2 (2022): REMITTANCE DESEMBER 2022
Publisher : Institut Teknologi dan Bisnis Swadharma

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.56486/remittance.vol3no2.262

Abstract

Bank Syariah Indonesia Parung Bogor Sub-Branch Office has a financing program for micro entrepreneurs named BSI Usaha Mikro, BSI KUR and BSI Griya Hasanah. In applying the precautionary principle for micro business financing, the prospective debtor submits an application by following predetermined administrative requirements. Bank Syariah Indonesia Parung Bogor Sub-Branch Office will analyze the character, capacity, capital, collateral, condition and sharia (5C + 1S) of the customer to prevent the risk of customer who has problems in payments. To save the financing of Bank Syariah Indonesia Parung Bogor Sub-Branch Office, through rescheduling, reconditioning, or restructuring programs and settlement the debtor through court proceedings will be done if the debtor does not want to pay the obligations, or if the settlement process did not bring the expected results.Bank Syariah Indonesia Kantor Cabang Pembantu Parung Bogor memiliki program pembiayaan bagi pengusaha mikro yang diberi nama BSI Usaha Mikro, BSI KUR dan BSI Griya Hasanah. Penerapan prinsip kehati-hatian pada pembiayaan usaha mikro dimulai ketika calon debitur mengajukan permohonan pembiayaan yakni dengan mengikuti persyaratan administratif yang sudah ditentukan. Bank Syariah Indonesia Kantor Cabang Pembantu Parung Bogor kemudian menganalisa mengenai character, capacity, capital, collateral, condition serta syariah (5C + 1S) nasabah untuk mencegah terjadinya risiko adanya nasabah yang mengalami masalah dalam pembayaran pembiayaan (wanprestasi). Upaya penyelamatan pembiayaan Bank Syariah Indonesia Kantor Cabang Pembantu Parung Bogor yaitu melalui program rescheduling, reconditioning, ataupun restructuring serta penyelesaian pembiayaan bermasalah melalui proses pengadilan dilakukan apabila  pihak debitur sengaja tidak mau membayar sehingga tidak ada keinginan untuk melunasi kewajibannya, atau apabila proses penyelesaian di luar pengadilan tidak membawa hasil seperti yang diharapkan.