The Influence and Strategy of Ar-Rum Financing as Marketing in Improving Customer Micro Business at PT. Pegadaian Syariah Unit Kejuruan Muda
Downloads
-
Background. PT. Pegadaian Syariah offers Arrum Financing products as a solution to help micro business actors get additional business capital. This product is expected to help the development of micro businesses, especially with the support of effective marketing strategies. Increasing micro businesses is one of the main goals in providing easy access to capital and in accordance with sharia principles, which is expected to have an impact on the growth of Sharia Pawnshop customers.
Purpose. This study aims to analyze the influence of Arrum financing and marketing strategies on the increase of micro business customers in PT. Sharia Pawnshops of Young Business Units, both partially and simultaneously.
Method. This study used a quantitative method involving 86 respondents. Data collection is carried out through questionnaires, observations, and documentation. The collected data was analyzed using SPSS version 25 software. The statistical tests carried out include partial tests (t-test) and simultaneous tests (F-test) to assess the influence of each variable.
Results. The results of the study show that partially, Arrum Financing has a significant influence on the increase in customer micro businesses with a significance value of 0.000 < ? 0.01. In addition, marketing strategy also has a significant influence on the increase in micro businesses with a significance value of 0.000 < ? 0.01. Simultaneously, Arrum financing and marketing strategy, based on the F test, showed a significant influence on the increase in micro enterprises with a significance value of 0.000.
Conclusion. Arrum financing and marketing strategies partially and simultaneously have a significant influence on the increase in customer micro businesses in PT. Sharia Pawnshop. This shows that both financing and marketing strategies play an important role in supporting the development of micro businesses in the institution.
Cherniaieva, A. A. (2021). Strategi Pemasaran Bank Syariah dalam Meningkatkan Minat Generasi Milenial di Era Digital. INTERNATIONAL JOURNAL OF ENDOCRINOLOGY (Ukraine), 16(4), 327–332. https://doi.org/10.22141/2224-0721.16.4.2020.208486
Ervina, E., & Wahab, A. (2019). Analisi Pembiayaan Ar-Rahn untuk Usaha Mikro (Arrum) pada PT. Pegadaian Syariah (Persero) Cabang Blauran Surabaya. Jurnal Justisia Ekonomika: Magister Hukum Ekonomi Syariah, 2(2), 1–10. https://doi.org/10.30651/justeko.v2i2.2477
Hsb, S., & Hasibuan, R. R. A. (2019). Strategi Pemasaran Produk Gadai dalam Menarik Minat Nasabah Di PT. Pegadaian UPS Sibuhuan. Jurnal Masharif Al-Syariah: Jurnal Ekonomi Dan Perbankan Syariah, 3(3), 51–60.
Ivanka Mira Nur Aini, & M. Ruslianor Maika. (2022). Strategi Pemasaran dalam Meningkatkan Jumlah Nasabah Bank Pembiayaan Rakyat Syariah (BPRS) Lantabur Tebuireng Sidoarjo. Syarikat: Jurnal Rumpun Ekonomi Syariah, 5(2), 128–142. https://doi.org/10.25299/syarikat.2022.vol5(2).10348
Jatmiko, N. S. (2022). Strategi Pemasaran Ideal di Era Digital untuk Meningkatkan Penjualan Produk UMKM. PLAKAT?: Jurnal Pelayanan Kepada Masyarakat, 4(2), 253. https://doi.org/10.30872/plakat.v4i2.8955
Ningrum, R. P., & Widyaningsih, M. (2023). FACTORS AFFECTING CUSTOMERS’ INTEREST IN USING PAWN PRODUCTS (RAHN) AT CPS SOLO BARU SHARIA PAWNSHOPS. 186–196.
Novriansyah. (2019). PERAN PEMBIAYAAN PRODUK ARRUM BPKB PT PEGADAIAN SYARIAH DALAM MENGEMBANGKAN USAHA MIKRO KECIL DAN MENENGAH DI KOTA SURABAYA. 6(8), 1718–1732.
Pangaila, M. M., Mandey, S. L., & Wenas, R. S. (2020). Strategi Pemasaran Produk Tabungan Emas Dalam Meningkatkan. Jurnal Emba: Jurnal Riset Ekonomi, Manajemen, Bisnis Dan Akuntansi, 8(04), 399–407. https://ejournal.unsrat.ac.id/index.php/emba/article/view/30839
Paranggi, A., & Setiyowati, A. (2023). Analisis Strategi Pemasaran Produk Pembiayaan Mitraguna Dalam Meningkatkan Jumlah Nasabah (Studi Kasus Pada Bank Syariah Indonesia Kantor Cabang …. Musyarakah: Journal of Sharia …, 3(2), 123–132. https://journal.umpo.ac.id/index.php/MUSYROKAH/article/view/8090%0Ahttps://journal.umpo.ac.id/index.php/MUSYROKAH/article/download/8090/2846
Praxis. (2022). STRATEGI PEMASARAN PRODUK GADAI SYARIAH DALAM UPAYA MENINGKATKAN JUMLAH NASABAH PADA PT. PEGADAIAN SYARIAH DI KABUPATEN BONE. Journal of Economic Perspectives, 2(1), 1–4. http://www.ifpri.org/themes/gssp/gssp.htm%0Ahttp://files/171/Cardon - 2008 - Coaching d’équipe.pdf%0Ahttp://journal.um-surabaya.ac.id/index.php/JKM/article/view/2203%0Ahttp://mpoc.org.my/malaysian-palm-oil-industry/%0Ahttps://doi.org/10.1080/23322039.2017
Yunara, Y. (2019). Strategi Penyaluran Pembiayaan Usaha Mikro Kecil dan Menengah di Bank Syariah Mandiri (Studi Bank Syariah Mandiri Kantor Cabang Bogor). Jurnal Nisbah, 5(2), 127–139. https://ojs.unida.ac.id/index.php/JN/article/view/1888
Copyright (c) 2024 Khilda Amalia
This work is licensed under a Creative Commons Attribution-ShareAlike 4.0 International License.
a