Optimalisasi Program Simpanan Berhadiah Dalam Upaya Meningkatkan DPK Pada BSI KCP Rembang Sudirman

Lutfiana Maulida, Muhammad Qoes Atieq

Abstract


Based on data from BSI's annual report, BSI's total deposits from 2021 continue to increase. However, BSI still faces challenges in increasing its deposits to strengthen its liquidity.. The purpose of this research is to find out how the strategy of optimizing the prize savings program and its impact on increasing DPK. The method used is qualitative method. The population used is BSI employees, while the sample used is BSI employees and taken using purposive sampling technique. The data source used is primary data from informants through interviews. The results showed that efforts to optimize the prize savings program at BSI KCP Rembang Sudirman were carried out by segmentation, promotion, and continuous offering, and visiting customers' homes for offers. The results of this optimization have had a positive effect on the increase in DPK since the beginning of 2024 so that the BSI KCP Rembang Sudirman rating is quite good because of consistent daily achievements. In addition to increasing DPK, optimizing this program can increase the number of new customers because it provides benefits to customers. The recommendation of this research is that Bank Syariah Indonesia must increase innovation through programs that can provide more value or benefits to customers.

Keywords


Marketing Strategy, Rewarded Savings Program, DPK, BSI

Full Text:

PDF

References


Agnesia, N. I., & Ardianto, H. (2022). Pemasaran Produk E-Channel di Masa Pandemi Covid-19 Pada Bank Jatim Karanggeneng Lamongan. JIMBis : Jurnal Ilmiah Manajemen Dan Bisnis, 1(3), 263–280. https://doi.org/10.24034/jimbis.v1i3.5487

Agustin, D., Islam, M. H., & Nasrifah, M. (2024). Strategi Pengelolaan Dana Pihak Ketiga Dalam Meningkatkan Likuiditas Pada Bank Syariah Indonesia: Studi Kasus BSI KCP Probolinggo. Economic Reviews Journal, 3(1), 238–250. https://doi.org/10.56709/mrj.v3i1.149

Amna, S, W., S udipa, I. G. I., & Dll. (2023). Data Mining. In PT Global Eksekutif Teknologi. Global Eksekuif Teknologi. https://www.cambridge.org/core/product/identifier/CBO9781139058452A007/type/book_part

Anisa, L. S., & Tripuspitorini, F. A. (2019). Analisis Pengaruh Dana Pihak Ketiga, Non Performing Finance Murabahah, Dan Inflasi Terhadap Pembiayaan Murabahah Pada Bank Umum Syariah Di Indonesia. Jurnal Maps (Manajemen Perbankan Syariah), 3(1), 52–64. https://doi.org/10.32627/maps.v3i1.141

Ardheta, P. A., & Sina, H. R. (2020). Pengaruh Capital Adequacy Ratio, Dana Pihak Ketiga, Non Performing Financing Dan Pembiayaan Murabahah Terhadap Profitabilitas. Jurnal Akuntansi Dan Manajemen, 17(02), 32–38. https://doi.org/10.36406/jam.v17i02.328

Arfamaini, R. (2023). The Effect of Third Party Funds, Credit Risk, Loan to Deposit Ratio And Capital Structure on Profitability in Banking Companies Listed on The Indonesia Stock Exchange. IJBQR: International Journal of Business and Quality Research, 1(2), 211–225.

Arisyanti, Kurniati, & Rahman, A. (2023). Problematika Perkembangan Perbankan Syariah di Indonesia. Al-Ubudiyah : Jurnal Pendidikan Dan Studi Islam, 4(2), 36–41. https://doi.org/10.55623/au.v4i2.217

Asakdiyah, S., Rachmiani, Musafir, & Hasim. (2024). Dampak Reputasi, Responsifitas, Pemberian Hadiah, dan Rekomendasi Terhadap Nasabah Yang Berpindah Dari BSI ke Bank Konvensional. Jurnal Ekonomi Dan Manajemen Teknologi (EMT) KITA, 8(1), 263–272. https://doi.org/10.35870/emt.v8i1.1707

Azzahra, M., Rahma, T. I. F., & Rahmani, N. A. B. (2024). The Influence of Operational Cost (BOPO), Third Party Funding Profit Sharing (DPK), And Cash Ratio On Profitability With Murabahah Financing As a Moderation Variable In Sumut Shariah Bank. International Journal of Economics, Business and Accounting Research (IJEBAR), 8(2), 1–12.

Bachtiar, W., Mallongi, S., & Amiruddin, K. (2021). Analisis Strategi Pemasaran Produk Tabungan Prima Berhadiah Terhadap Kenaikan Dana Pihak Ketiga di Bank Muamalat Indonesia Cabang Makassar. Jurnal Iqtisoduna, 7(2), 238–248. https://doi.org/10.24252/iqtisaduna.v7i2.36236

Darmawan, Sulaeman, I., & Maharani, A. (2023). Implementasi Bauran Pemasaran Pada Usaha Mandiri Caya Rice Bowl di Jakarta Selatan. KENDALI: Economics and Social Humanities, 2(2), 106–117. https://doi.org/10.58738/kendali.v2i1.483

Elita Tarihoran, J., Mardiani, I. M., Putri, N. D., Novareila, R. S., Sofia, A., & Prawira, I. F. A. (2021). Pentingnya Sosial Media Sebagai Strategi Marketing Start-Up di Indonesia. KREATIF : Jurnal Ilmiah Prodi Manajemen Universitas Pamulang, 9(1), 72. https://doi.org/10.32493/jk.v9i1.y2021.p72-78

Hadi, M. Q. Al, Cahyo, E. N., & Budi, I. S. (2021). Marketing Ethics at Islamic Banks : Principles and Practices. Journal of Islamic Economic Laws, 4(2), 17–41.

Hana, K. F., & Wijayanti, O. (2022). Model Promosi Pada Simpanan Berhadiah Dalam Meningkatkan Kuantitas Anggota di Baitul Maal wa Tamwil. Jurnal Rekognisi Ekonomi Islam, 1(2), 149–159. https://doi.org/10.34001/jrei.v1i2.303

Hariyanti, N. T., & Wirapraja, A. (2018). Pengaruh Influencer Marketing Sebagai Strategi Pemasaran Digital Era Moderen (Sebuah Studi Literatur). Jurnal Eksekutif, 15(133–146).

Hasan, H. A., Mansyur, S., & Mustamin, S. W. (2021). Dampak Pandemi Covid-19 Terhadap Pertumbuhan Dana Pihak Ketiga Pada Bank Syariah. El Dinar: Jurnal Keuangan Dan Perbankan Syariah, 9(1), 44–61.

Hikmah, S. U., & Qomaro, G. W. (2022). Sharia Compliance on Rewards in Sharia Saving at BMT NU Ngasem. ICIE: International Conference on Islamic Finance, 1(1), 153–168. https://doi.org/10.58223/icie.v1i1.112

Meilanti, M., & Fitria, L. (2021). Strategi Pemasaran Produk Tabungan, Giro Dan Deposito PT. Bank Sinarmas Tbk Cabang Dumai. Jurnal Ilmiah Ekonomi Dan Pajak, 1(1), 30–34.

Millenita, V. D., Tindaon, S. S., Putrianti, S. D., & Ravenska, N. (2023). Model Media Promosi Dana Pensiun Lembaga Keuangan Bank Pembangunan Jawa Barat dan Banten. Konferensi Nasional Ilmu Administrasi, 7(1), 43–49.

Muhamad, R. (2020). Kegiatan Usaha Bank Perkreditan Rakyat Ditinjau Dari Undang-Undang Nomor 10 Tahun 1998 Tentang Perbankan. Lex Privatum, 8(1), 66–77.

Muhri, A., Habbe, A. H., & Rura, Y. (2023). Analisis Perbandingan Stabilitas Bank Syariah Dan Bank Konvensional. Owner: Riset & Jurnal Akuntansi, 7(1), 346–366. https://doi.org/10.33395/owner.v7i1.1360

Muttaqiena, A. (2013). Analisis Pengaruh PDB, Inflasi, Tingkat Bunga, Dan Nilai Tukar Terhadap Dana Pihak Ketiga Perbankan Syariah di Indonesia 2008-2012. Economics Development Analysis Journal, 2(3), 175–186.

Nasution, L. M. (2021). Analisis Strategi Pemasaran Dalam Meningkatkan Jumlah Nasabah Pada Produk Deposito iB Ibadah Di PT. Bank SUMUT Kantor Cabang Syariah Medan. JIMPAI : Jurnal Ilmiah Mahasiswa Pendidikan Agama Islam, 1(4), 1–15.

Novitasari, D., & Suselo, D. (2022). Analisis Strategi Pemasaran Tabungan Hijrah Haji Dalam MEningkatkan Jumlah Nasabah Pada Bank Muamalat KCP Nganjuk. Jurnal Ekonomi, Manajemen, Bisnis Dan Sosial (EMBISS), 2(4), 492–500.

Nst, A., Purba, B., & Fitria, A. (2022). Analysis of Marketing Strategies To Improve Strengthening The Competition For UMKM. Dharmawangsa: International Journals of The Social Science, Education and Hunanities, 3(2), 84–87.

Nurhisam, L. (2017). Etika Marketing Syariah. Iqtishadia: Jurnal Ekonomi Dan Perbankan Syariah, 4(2). https://doi.org/10.19105/iqtishadia.v4i2.1412

OJK. (2024). Statistik Perbankan Syariah. Otoritas Jasa Keuangan.

Osmanovica, N., Kb, P., & Stojanovic, I. (2020). Impacts of Islamic Banking System on Economic Growth of UAE. Talent Development & Excellence, 12(3), 1555–1566. http://www.iratde.com

Pratomo, D., & Ramdani, R. F. (2021). Analisis Pertumbuhan Kinerja Keuangan Perbankan Syariah Dan Konvensional di Era Pandemi Covid 19. Derivatif: Jurnal Manajemen, 15(2), 260–275. https://doi.org/10.24127/jm.v15i2.654

Putri, N. S., & Aravik, H. (2021). Analisis Produk Tabungan Wadiah Pada PT. Bank Pembiayaan Rakyat Syariah Al Falah Banyuasin. Jurnal Ilmiah Mahasiswa Perbankan Syariah, 1(1), 1–10. https://doi.org/10.36908/jimpa

Rachmawati, Y., Sulbahri, R. A., & Yuliawati, S. (2023). Kesehatan Bank Syariah Indonesia (BSI) Sebelum Dan Setelah Merger Menggunakan RBBR (Risk Based Bank Rating). Jurnal Riset Akuntansi Tridinanti, 5(1), 62–67. https://doi.org/10.52333/ratri.v5i1.416

Resmiatini, E., & Imanika, I. A. H. (2020). Analisis Implementasi Bauran Pemasaran 7P Pada Bank Muamalat Kantor Cabang Batu - Malang. Jurnal Dialektika, 5(1), 57–76. https://doi.org/10.36636/dialektika.v5i1.407

Rizka, R. A., & Rokan, M. K. (2022). Penerapan Dan Tantangan Produk Tabungan Haji iB Makbul Pada Masa Pandemi Covid-19 di PT. Bank Sumut Unit Usaha Syariah. Acman : Accounting and Management Journal, 2(2), 114–120. https://doi.org/10.55208/aj.v2i2.35

Roziq, F., Mursalim, & Arfah, A. (2024). Analisa Strategi Pemasaran Produk Current Account Saving Account (CASA) Terhadap Kenaikan Dana Pihak Ketiga Pada Bank OCBC NISP Syariah Makassar. YUME : Journal of Management, 7(3), 380–396. https://doi.org/10.37531/yum.v7i3.7173

Sugeng, & Prasetyo, E. (2019). Analisis CAR, Dana Pihak Ketiga, NPK, dan BO terhadap BOPO Produk Pembiayaan Perbankan Syariah. Wadiah: Jurnal Perbankan Syariah, 3(1), 22–41. https://doi.org/10.30762/wadiah.v3i1.3001

Tofan, M., Munawar, A., Supriadi, Y., & Effendy, M. (2022). Analisis Pengaruh Dana Pihak Ketiga Dan Tingkat Suku Bunga Kredit Terhadap Profitabilitas Bank BUMN. Jurnal Ilmiah Manajemen Kesatuan, 10(1), 97–104. https://doi.org/10.37641/jimkes.v10i1.1280

Ulandari, O. (2023). Entrepreneurship Bisnis Manajemen Akuntansi Efektivitas Marketing Mix 4P Terhadap Penjualan BUMDes “ Sumber Rejeki ” Desa Samir Kecamatan Ngunut Kabupaten Tulungagung. E-BISMA: Enterpreneurship Bisnis Manajemen Akuntansi, 4(1), 183–195. https://doi.org/10.37631/ebisma.v4i1.931

Ulfa, A. (2021). Dampak Penggabungan Tiga Bank Syariah di Indonesia. Jurnal Ilmiah Ekonomi Islam, 7(02), 1101–1106. https://doi.org/10.29040/jiei.v7i2.2680

Wahyudin, A. (2023). Peran Inovasi Produk Keuangan Dalam Mengatasi Dampak Ekonomi Pandemi : Kasus Deposito Berhadiah Win Solution di BPRS Sarana Prima Mandiri Pamekasan. Currency : Jurnal Ekonomi Dan Perbankan Syariah, 2(1), 190–201. https://doi.org/10.32806/4v82v353

Yolanda, N., Putri, R. D., & Anggreni, N. (2022). Pengaruh Pengetahuan Produk Tabungan, Citra Perbankan Dan Persepsi Mengenai Suku Bunga Simpanan Terhadap Keputusan Menabung (Studi Kasus Pada Bank BRI Unit Selayo). Journal of Innovation Research and Knowledge, 2(5), 2161–2180. https://doi.org/10.53625/jirk.v2i5.3662

Yuniati, S., Munir, M., & Rahmania, S. (2024). The Effectiveness of Wadiah Term Savings With Prizes (SAJADAH) in Increasing Customers of BMT NU East Java Jatibanteng Branch. ILTIZAMAT: Journal of Economic Sharia Law and Business Studies, 3(2), 133–144.




DOI: http://dx.doi.org/10.29040/jiei.v10i3.14889

Refbacks

  • There are currently no refbacks.


Jurnal Ilmiah Ekonomi Islam, ISSN 2477-6157 l E-ISSN 2579-6534

Creative Commons License

This work is licensed under a Creative Commons Attribution 4.0 International License.

web analytics

situs toto