Studi Operasional antara Penghimpunan dan Penyaluran Dana di BSI KCP Kediri Bandar
Abstract
This study examines the operational balance between fund mobilization and financing distribution at Bank Syariah Indonesia (BSI) KCP Kediri Bandar, which relocated in late 2024 from the Universitas Islam Kadiri (Uniska) area to the western side of the Brantas River. The analysis focuses on fundraising strategies through savings, current accounts, and deposits, as well as financing schemes tailored to the needs of the surrounding community. The findings reveal that BSI KCP Kediri Bandar has effectively implemented fundraising strategies through products such as Special Profit-Sharing Deposits, Rezeki Berkah program, Pesta Hadiah program, and Easy Mudharabah Savings. On the financing side, the bank mainly focuses on vehicle financing and Mitraguna financing with civil servant decree (SK) collateral, reflecting the actual needs of the majority of its customers. The balance between fund mobilization and financing distribution not only ensures financial stability but also demonstrates the social role of Islamic banking in fostering local economic growth. Hence, the operations of BSI KCP Kediri Bandar embody Islamic principles of fairness, transparency, and adaptability to community dynamics.
Downloads
References
Amelia, Natasya, N., & Mawwadah Irham. (2025). Strategi Penghimpunan Dana Pihak Ketiga pada Bank Syariah Menggunakan Metode Kualitatif Deskripsi. Digital Bisnis: Jurnal Publikasi Ilmu Manajemen Dan E-Commerce, 4(1), 137–159. https://doi.org/10.30640/digital.v4i1.3857
Andini, E. (2025). Implementasi Transformasi Digital Dalam Meningkatkan Pengembangan Layanan Tamzis Collecting Pada Kspps Tamzis Bina Utama Cabang Purbalingga. Sustainability (Switzerland), 11(1), 1–14. https://pubmed.ncbi.nlm.nih.gov/28459981/%0Ahttps://doi.org/10.1016/j.resenv.2025.100208%0Ahttp://scioteca.caf.com/bitstream/handle/123456789/1091/RED2017-Eng-8ene.pdf?sequence=12&isAllowed=y%0Ahttp://dx.doi.org/10.1016/j.regsciurbeco.2008.06.005%0Ahttps:
Annisa, R., & Afriansyah, A. (2022). Rekomendasi Klasifikasi Nasabah BSI Mengikuti Program Pesta Hadiah dan Labbaik Special Gift Menggunakan Algoritma C4.5. JUKI : Jurnal Komputer Dan Informatika, 4(November), 74–87.
Ayu, M. (2024). Pengaruh Brand Image, Product Quality, Service Quality terhadap Keputusan Nasabah dalam Memilih Produk Tabungan Easy Wadiah di Bank Syariah Indonesia KCP Cilacap Kroya. Table 10, 4–6.
Azhari, A., & Wardana, G. K. (2021). Peran Bank Syariah dalam Perkembangan UMKM di Indonesia. Afanin Media Utama.
Camelia, C. B., Madura, U. T., & Inda, P. T. (2024). Produk Pembiayaan Tabungan Menggunakan Akad. 2(12).
Dewi, A. S., Wardana, G. K., & Yuliana, I. (2025). The Effect of NPM, NPF, DAR, CIR, and DPK on Profitability (ROA) of Islamic Banks in the World. LAA MAISYIR: Jurnal Ekonomi Islam, 12(1), 142–157.
Fadilah, R. (2023). Strategi Pemasaran Produk Bank terhadap Peningkatan Kepercayaan Nasabah di BSI KCP Manado Kairagi (Vol. 5, Issue 8).
Fanalty, N. (2021). Peran Perbankan Syariah dalam Meningkatkan Pengetahuan Pedagang Menggunakan Produk Pembiayaan Modal Usahа (Studi Kasus pada Pedagang Pasar Saroha di Padang Matinggi).
Fauzi, R. A., & Wardana, G. K. (2023). Profitabilitas Bank Umum Syariah di Indonesia: Pembiayaan Murabahah dan Ijarah. I’THISOM: Jurnal Ekonomi Syariah, 2(1), 244–254. https://doi.org/https://doi.org/10.70412/its.v2i1.46
Fauziyah, N., & Wardana, G. K. (2022). Pengaruh Return On Assets (ROA), Bank Size dan Inflasi Bank Syariah di Indonesia dan Malaysia. Jurnal Masharif Al-Syariah: Jurnal Ekonomi Dan Perbankan Syariah, 7(2), 605–619.
Febriana, A. (2024). Analisis Prosuk Tabungan Junior di BSI KCP Kedaton Bandar Lampung.
Manurung, C. (2025). Bank Emas di Indonesia (Prospek, Harapan, dan Tantangan). 13(2), 107–124.
Naheri, Rabiatul Adawiyah, & Rahman Ambo Masse. (2024). Strategi Pengembangan Baitul Mal Wattamwil Sebagai Sumber Pembiayaan Alternatif Bagi Usaha Mikro, Kecil Danmenengah. Journal of Management and Innovation Entrepreneurship (JMIE), 1(2), 238–247. https://doi.org/10.59407/jmie.v1i2.376
Nasution, W. (2024). Mekanisme Pembiayaan Mitra Guna Berkah PNS dengan Akad Murabahah pada Bank BSI KCP Panyabungan. Jurnal Perbankan Syariah Darussalam (JPSDa), 4(1), 45–55.
Ningsih, S. (2021). Dampak Dana Pihak Ketiga Bank Konvensional Dan Bank Syariah Serta Pertumbuhan Ekonomi Di Indonesia. In Paper Knowledge . Toward a Media History of Documents (Vol. 3, Issue April).
Pratami, A. (2024). Prosiklikalitas (Procyclicality) Pembiayaan Bank Syariah Dan Implikasinya Terhadap Stabilitas Keuangan Dan Profitabilitas Di Negara-Negara Anggota Organisasi Kerja Sama Islam (Oki) Halaman. 1–23.
Rahayu, Y. S., Fitriyah, & Wardana, G. K. (2024). Identifying Key Determinants of Islamic Customer Perceived Value: A Mixed-Method Study. Shirkah: Journal of Economics and Business, 9(3), 411–425.
Ryan Afjune, L. C. M. (2024). Analisis Keadilan Bank dalam Bertransaksi : Hubungan dengan Likuiditas, Profitabilitas terhadap Kinerja Bank. Prosiding Seminar Nasional Program Doktor Ilmu Hukum UMS, 112–137.
Safitri, L. (2024). Peran BPRS Dalam Meningkatkan Kepercayaan Nasabah Tabungan Wadiah Pada Kantor Kas BPRS Aman Syariah Metro. In Skripsi. https://repository.metrouniv.ac.id/id/eprint/10979/1/Devy Kurniawati.pdf#page=23
Shidqie, A., & Wardana, G. K. (2022). Pengaruh Budaya Islami, Kemampuan Kerja Dan Kepribadian Terhadap Kinerja Pelayanan Karyawan Pada Bank Syariah Indonesia (Cabang Malang Soekarno-Hatta Eks BRIS). Jurnal Manajemen Dan Bisnis Indonesia, 8(1), 65–75. https://doi.org/10.32528/jmbi.v8i1.7226
Solekah, N. A., Jaya, T. J., Wardana, G. K., Budianto, E. W. H., & Meylianingrum, K. (2022). Diseminasi Digitalisasi Branding, Pemasaran, dan Penjualan Produk Komunitas UMKM Kecamatan Gempol, Kabupaten Pasuruan, Jawa Timur.
Trisnaudy, W. R., & Sisdianto, E. (2024). Peran Rasio Likuiditas terhadap Efisiensi dan Efektivitas Operasional Bank Syariah dan Bank Konvensional. Jurnal Intelek Dan Cendikiawan Nusantara, 1, 9976–9984.
Yanti, D. (2025). Peranan Bank Syariah Indonesia dalam Pemberdayaan Usaha Mikro Kecil dan Menengah di Desa Timampu Kecamatan Towuti.
Copyright (c) 2025 Zakiya Salsabila, Guntur Kusuma Wardana
This work is licensed under a Creative Commons Attribution-NonCommercial-ShareAlike 4.0 International License.
- 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.
