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All Journal JAM : Jurnal Aplikasi Manajemen Nizham Journal of Islamic Studies Imara: Jurnal Riset Ekonomi Islam
Himyar Pasrizal
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Religion Decision Sciences, Operations Research & Management Economics, Econometrics & Finance Education Environmental Science

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Pengaruh Kepribadian, Kelas Sosial, dan Budaya Pengusaha terhadap Strategi Pemasaran dan Keputusan Menjadi Nasabah Bank Syariah Mandiri di Sumatera Barat Himyar Pasrizal; Ubud Salim; Umar nimran
Jurnal Aplikasi Manajemen Vol 10, No 4 (2012)
Publisher : Jurusan Manajemen Fakultas Ekonomi dan Bisnis Universitas Brawijaya

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Abstract: This study aims to develop and test the consistency of variables relationship that influences BankSyariah Mandiri’s (BSM) consumer’ behavior. According to theories and review of previous studies, customers’internal and external factors and marketing strategies of Islamic banks which are considered orperceived by the customers influence their decision to become customers of the Islamic banks. However,previous researches have shown inconsistent results in which some claimed that religion factor became themain reason to deal with Islamic banks, while others said it was not. This study specifically analyzes thevariables of personality, social class, culture, and marketing strategies in influencing decision to becomeBSM’s customers. The population in this study is all clients or customers of BSM in West Sumatra in 2010. The research sample is 383 customers. The sampling was done by using purposive sampling and the analysis was conducted by using Structural Equation Modeling (SEM) as an analysis tool. The results show that: (1) Traits of the customers’ personality do not impose power over their decisions to become customers of BSM. (2) The higher position of customers’ social class can encourage their decision to become customers of BSM. (3) The stronger the customers’ culture, the stronger their decision to become customers of BSM. (4)The better the marketing strategies of Islamic banks are considered and perceived by customers, the moreencouraged and stronger their decisions to become customers of BSM.Keywords: decision to become customers, personality, social class, culture marketing strategy, BSM
KONSEP MARKETING DALAM INOVASI PRODUK PERBANKAN SYARIAH Himyar Pasrizal
Nizham Jurnal Studi Keislaman Vol 1 No 1 (2013): Jurnal Nizham
Publisher : Postgraduate State Islamic Institute (IAIN) Metro

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Business and banking competition getting tougher and dynamic with the flow ofmodernity, in which the bank is now not only save space but also as a place forinvestment and financial consulting making banking products in Indonesia increasinglyvaried to meet those needs. Product innovation is a keystone to the method of productdevelopment. Product innovation can deliver the product to be repackaged or newproducts. Product innovation is also done through the improvement or refinement ofexisting products, adding features, specifications and the resulting benefits. Islamicbanking should be careful in product innovation so that the demand for the productremains high. This means not only product innovation but rather product oriented tocustomer oriented. In other words, the development of innovative Islamic bankingproducts is consistent with the requirements (needs) and desires (wants) or taste currentcustomers. Which is more important in marketing and product innovation in Islamicbanking is how the product and the product innovation is not contrary to Islamic law orcontrary to the Qur'an and Sunnah. Product innovation must be done when the positionof the PLC is in decline sales.
ANALISIS KINERJA KEUANGAN PT. INDO RAMA SYNTHETICS TBK. Himyar Pasrizal; Rina Oktaria; Elfina Yenti
Imara: JURNAL RISET EKONOMI ISLAM Vol 1, No 1 (2017): IMARA: JURNAL RISET EKONOMI ISLAM
Publisher : IAIN Batusangkar

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.31958/imara.v1i1.993

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The research problem was on the unknown quality of ????inancial performance of PT. Indo RamaSynthetics, Tbk in the form of the ratio of liquidity. Then, the purpose of the research was to analyze the????inancial performance of PT. Indo Rama Synthetics, Tbk in the form of the ratio of liquidity, solvency,activity, and pro????itability. Descriptive quantitative was used as the design of the research. The setting ofthe research itself was at PT. Indo Rama Synthetics, Tbk 2011 – 2015 period listed on IDX. It could alsobe accessed through website www.idx.co.id. The research itself was done during May to June, 2016. Thedata of the research were ????inancial reports. The ????indings re????lected that the liquidity ratio (current, quick,and cash ratio) of PT. Indo Rama Synthetics, Tbk were in low quality since it was below the industryaverage. Meanwhile the ratio of inventory to net working capital of PT. Indo Rama Synthetics, Tbk wasabove the industry average. Seeing from its solvency ratio like debt to asset ratio, debt to equity ratio,and long term debt to equity ratio, PT. Indo Rama Synthetics was in suf????icient condition because therewas an enhancement of ratio rate per years. However, the results were also remained the same for therate of average industry because it was above the average industry overall.
Co-Authors elfina yenti Rina Oktaria Ubud Salim Umar Nimran