Garuda - Garba Rujukan Digital

fatahuddin siregar

IAIN Padangsidimpuan

Author-ID : 4274481

Economics, Econometrics & Finance

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Motivation of Non-Muslims to Become Customers at PT. Bank Syariah Mandiri KC. Sibolga amsal amsal; fatahuddin siregar; idris saleh; ferri alfadri
Journal Of Sharia Banking Vol 1, No 2 (2020)
Publisher : Institut Agama Islam Negeri Padangsidimpuan

The background of the problem in this study is PT. Bank Syariah Mandiri KC. Sibolga does not only have customers who are Muslim but PT Bank Syariah Mandiri KC. Sibolga has non-Muslim customers who account for almost half of the total customers who are motivated to make transactions at the bank. This shows that PT Bank Syariah Mandiri KC. Sibolga is well received by the non-Muslim community in the city of Sibolga. Discussion of research related to the field of Islamic banking. Islamic banks are financial institutions that encourage and invite the public to participate in various products based on sharia principles. While motivation is a set or collection of behaviors that provide a basis for a person to act in a way that is directed towards certain specific goals. The research method used is qualitative research using a descriptive approach. The types of data used are primary data sources and secondary data sources. Taknik followed the data with observation, interviews and documentation. Based on the results of the research conducted, researchers saw that in general the non-Muslim community was motivated by the services provided by PT. Bank Syariah Mandiri KC. Sibolga. motivation of the non-Muslim community to become customers at PT. Bank Syariah Mandiri KC. Sibolga's location is very affordable, a promotion conducted by PT. Bank Syariah Mandiri KC. Sibolga is very suitable with socializing in the market and at school. In addition there are also those who change because of the rules of the Ministry of Religion office that roam as customers at PT. Bank Syariah Mandiri KC. Sibolga.

FEASIBILITY ANALYSIS OF SMALL MEDIUM ENTERPRISES (MSMEs) IN MANDAILING NATAL REGENCY IN ACCESSING FINANCING IN SHARIA BANK suci suci; fatahuddin siregar; sarmiana batubara; sry lestari
Journal Of Sharia Banking Vol 2, No 1 (2021)
Publisher : Institut Agama Islam Negeri Padangsidimpuan

The background of this research is Micro, Small and Medium Enterprises (MSMEs), which are productive businesses owned by individuals or private business entities, also called populist businesses, which currently receive attention and privileges mandated by law, including business credit assistance with low interest, ease of business permit requirements, business development assistance from government agencies, and several other facilities. No exception in Mandailing Natal Regency, which on average has a Micro, Small and Medium Enterprises (MSMEs). Lack of a good management system and capital that causes the failure of Micro, Small and Medium Enterprises (MSMEs) in Mandailing Natal Regency. The analysis is used to determine whether Micro, Small and Medium Enterprises (MSMEs) are eligible in obtaining financing from Bank Syariah Mandiri KCP Panyabungan. This research is a descriptive qualitative research. Data collection techniques in this study were interviews, observation, and documentation. The research subjects in this study consisted of First Informants namely SMEs and Secondary Informants namely Bank Mandiri Sharia Panyabungan KCP. The results of the study can be seen that the micro financing of Bank Syari'ah Mandiri is an alternative financing product from Bank Syari'ah Mandiri which is intended for MSME entrepreneurs (Micro, Small and Medium Enterprises). Analysis of the feasibility of micro financing of the Syari'ah Bank Mandiri Panyabungan Sub-Branch Office to prospective customers is that the submission must meet the requirements: Character, Capacity, Capital, Collateral, Condition (5C) and the conditions that must be met by the SMEs. In accessing financing in Islamic banks is very influential because there must be requirements that must be completed so that the disbursement of financing for Micro, Small and Medium Enterprises (MSMEs) can be resolved as soon as possible and can be accepted by the bank.

THE INFLUENCE OF PROMOTIONS ON DECISIONS SITINJAK VILLAGE COMMUNITY USING SAVING PRODUCTS HAJJ IN SHARIA BANK annisa yuliana; fatahuddin siregar; adanan murrah; veri pramudia
Journal Of Sharia Banking Vol 1, No 1 (2020)
Publisher : Institut Agama Islam Negeri Padangsidimpuan

Without promotion, it is not expected that customers can get to know the bank, therefore, promotion is the most effective means of attracting and retaining customers. One of the objectives of bank promotion is to inform all types of products offered and try to attract new prospective customers. Promotion is not only a communication tool between companies and customers, but also as a tool to influence customers. Customer decisions are alternative choices of decisions made by customers to use the products offered by the company. This research is a quantitative study using simple regression analysis. The collection technique used by researchers in this study is to use a questionnaire and through observation of individuals whose information is needed in this study. Questionnaire is a data collection technique that is done by giving a set of statements or written questions to respondents to be answered. The sample used in this study were 34 respondents. Data processing is done with SPSS version 22. The results of the coefficient of determination (R2) can be seen that the R Square value of 0.443 means that the promotion variable is able to explain the decision variable to be a customer by 44.3 percent while the remaining 55.7 percent is explained by other variables not included in this model. In another sense that there are still variables that influence the decision to become a customer in addition to promotion. Based on the results of this study indicate a significant influence that is the promotion of decisions with a ttable tcount (2.036 5.041).

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