Strategy of Business Innovation in Syartah Banks Case Study of The Financing Transaction Model In Bank BJM Syari’ah's Products Surabaya  

Oleh:

Nawawi, Ismail

Jenis: Article from Journal - ilmiah nasional - terakreditasi DIKTI
Dalam koleksi: Journal of Economics, Business, & Accountancy: ventura vol. 15 no. 3 (Dec. 2012), page 507-526.
Topik: Islamic Banking; Business Model and Innovation Strategy
Fulltext: 118-407-1-SM_dv.pdf (121.29KB)

Ketersediaan

Perpustakaan Pusat (Semanggi) Nomor Panggil: VV5.9 Non-tandon: 1 (dapat dipinjam: 0) Tandon: tidak ada

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This research attempts to analyze the model in Shariah banking business innovation strategy and its application. This research used the qualitative method, in which the data were collected by observation, interviews and documentary study. These data were chosen purposive!}' and snowballing, consisting of the Managing Director, Director of Operations and Marketing Director BJM Bank Surabaya. These data were analyzed using Tliesis (theory and data/, antithesis (data and theory) and synthesis (analysis), in addition, also using process analysis data reduction and verification. It shows that the model of financing in Bank BJM shariah Surabaya using, (I) the principle of surrogate form of demand deposits (wadi'ah), (2) the principle of sharing and distribution of fund management, (3) the principle of sale and mark- up with a lump sum credit score (taqsid/, (4) the principle of lease (ijara), a pure rental and leasing, (5) the principle of fee services like clearing, collection, transfers and others. In doing strategy', it must be done by looking at the object of the customers' needs, a given customer financing, investment, and ability to understand the customer. Such strategy was done by category facilitated by profit sharing (mudaraba) and partnership (Musharaka), while the distribution of the benefits of the activities of production by the sale (murabaha, sa/am andIsthisna').

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