Marketing Strategy of Akad Murabahah Bil Wakalah Financing Products to Increase Customer Interest at Bank Muamalat KC Denpasar
DOI:
https://doi.org/10.70062/harmonyphilosophy.v1i4.44Keywords:
Marketing Strategy, Financing Murabahah bil wakalah, Customer InterestAbstract
This study focuses on the marketing strategy of the Murabahah bil Wakalah financing product at Bank Muamalat Indonesia KCU Denpasar, Badung Regency, Bali. Murabahah is a sales contract that states the acquisition price and the agreed profit margin, while wakalah is the delegation of purchasing goods on behalf of the first party. The study aims to examine the marketing strategy and customer interest in this financing product. The research method used is descriptive qualitative, with data collection techniques through interviews, observation, and triangulation, and data analysis techniques including data reduction, data presentation, and conclusion drawing. The results show that the marketing strategy includes several elements: product (iB Hijrah Multiguna Consumer Financing and iB Muamalat KPR), price (transparent and mutually agreed upon), place (strategic office location), promotion (social media, website, email marketing), people (professional staff), process (focused on customer satisfaction), and physical evidence (supportive physical elements). Customer interest is influenced by internal factors, trust, and a sense of security. The study's implications can serve as a reference for Bank Muamalat to increase the attractiveness of financing products to customers.
References
Afrida, Y. (1999). Analisis pembiayaan.
Alimusa, L. O. (2022). Kajian konsep akad dan jenis produk perhimpunan dana bank syariah di Indonesia. Jurnal Ilmiah Ekonomi Islam, 8(3), 2511. https://doi.org/10.29040/jiei.v8i3.6488
Anggraini, T., & Harahap, M. Y. P. (2024). Marketing strategy of Bank Syariah Indonesia (BSI) KCP Padang Bulan in marketing vehicle installment financing products to its customers. Jurnal Masharif Al-Syariah, 9(204), 135–143.
Arwanita, D., Wati, D. R., Elma Mutia, E., & HazasSyarif, A. A. (2022). Implementasi akad murabahah bil wakalah pada pembiayaan otomotif dalam perspektif ekonomi Islam. STRATEGI PEMASARAN YANG DILAKUKAN DI PLAZA TUNJUNGAN III SURABAYA DALAM MEMASARKAN SEMUA PRODUKNYA, VII(I), 81–89. https://doi.org/http://dx.doi.org/10.30829/ajei.v7i1.10722
K, M. Y., Sap, N. bin, & Wijaya, A. (2024). Murabahah bil wakalah: Kajian teori dan penerapannya pada lembaga keuangan syariah. 7(1), 38–44.
Prasetyoningrum, A. K. (2015). Resiko bank syariah. Pustaka Pelajar.
RI, D. A. (1990). Alquran dan tafsirnya jilid II Juz 4,5,6. PT Dana Bhakti Wakaf.
Ritonga, M. L. (2024). Analisis strategi pemasaran pembiayaan murabahah terhadap produk cicil emas dalam upaya meningkatkan jumlah nasabah di BSI KCP.
Sidiq, U., & Choiri, M. M. (2019). Metode penelitian kualitatif di bidang pendidikan. Journal of Chemical Information and Modeling, 53(9). http://repository.iainponorogo.ac.id/484/1/METODE%20PENELITIAN%20KUALITATIF%20DI%20BIDANG%20PENDIDIKAN.pdf
