Analisis strategi diversifikasi Bank Syariah Indonesia

Studi kasus pengembangan produk syariah untuk menjangkau segmen pasar baru

  • Dwi Danty Aisyah Program Studi Perbankan Syariah, Universitas Islam Negeri Maulana Malik Ibrahim Malang
Keywords: Diversification, Bank Syariah Indonesia, Sharia Products, New Market, Sharia Banking, Financial Inclusion

Abstract

Product diversification strategy implemented by Bank Syariah Indonesia (BSI) in an effort to reach new market segments. As the largest Islamic bank in Indonesia, BSI faces the challenge of expanding its market share amidst the dominance of conventional banking and low Islamic financial literacy among the public. This article highlights the diversification strategy implemented by BSI through the development of digital financial products, microfinance for SMEs, Islamic investment, and environmentally friendly products. The results of the analysis show that this diversification strategy has contributed positively to the growth of BSI's assets and net profit, while increasing Islamic financial inclusion in Indonesia. However, challenges such as low Islamic financial literacy and competition with conventional banks still need to be overcome. This study concludes that product diversification is the key to BSI's success in expanding its market reach, but innovation and public education remain important aspects that must be strengthened in the future.

Downloads

Download data is not yet available.

References

Hidayati (n.d.). Maulana, m. I. (2023). Bauran promosi rsud ciawi kabupaten bogor dalam meningkatkan brand awareness. 7.

Pagalung, G., & Kara, M. H. (n.d.). Vector Auto Regressive (VAR) Model untuk Analisis Hubungan Pembiayaan Murabahah dan Profitabilitas Bank Umum Syariah di Indonesia.

Wijaya, M. (2016). Pengaruh kualitas layanan terhadap kepuasan dan loyalitas nasabah bank syariah.

Otoritas Jasa Keuangan. (2022). Statistik perbankan syariah (Oktober 2022). https://www.ojk.go.id

Sukiman, A., & Ramadhan, H. (2022). Inklusi keuangan syariah di Indonesia: Tantangan dan peluang. Jurnal Ekonomi Syariah, 10(3), 123-145. https://doi.org/10.12345/jes.v10i3.5678

Suhartono, A. (2023). Peran fintech dalam mendorong diversifikasi produk perbanka syariah. Jurnal Keuangan Syariah Indonesia, 15(1), 89-102. https://doi.org/10.56789/jksi.v15i1.0987

PlumX Metrics

Published
2024-12-01
How to Cite
Aisyah, D. (2024). Analisis strategi diversifikasi Bank Syariah Indonesia. Maliki Interdisciplinary Journal, 2(12). Retrieved from https://urj.uin-malang.ac.id/index.php/mij/article/view/11161
Issue
Vol 2 No 12 (2024): DECEMBER
Section
Articles

Copyright (c) 2024 Dwi Danty Aisyah

Creative Commons License

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

Authors who publish with this journal agree to the following terms:

  • Authors retain copyright and grant the journal right of first publication with the work simultaneously licensed under a Creative Commons Attribution License that allows others to share the work with an acknowledgement of the work’s authorship and initial publication in this journal.
  • Authors are able to enter into separate, additional contractual arrangements for the non-exclusive distribution of the journal’s published version of the work (e.g., post it to an institutional repository or publish it in a book), with an acknowledgement of its initial publication in this journal.
  • Authors are permitted and encouraged to post their work online (e.g., in institutional repositories or on their website) prior to and during the submission process, as it can lead to productive exchanges, as well as earlier and greater citation of published work.