Mitraguna Product Marketing Strategy with Murabahah Agreement at BSI KCP Rogojampi Banyuwangi

  • Mira Rahayu Universitas KH. Mukhtar Syafaat (UIMSYA), Banyuwangi, Indonesia
  • Nur Anim Jauhariyah Universitas KH. Mukhtar Syafaat (UIMSYA), Banyuwangi, Indonesia
Keywords: Marketing Strategy, Mitraguna, Murabahan Agreement

Abstract

The Mitraguna Berkah BSI KCP Rogojampi financing product is one of the products that customers are interested in. This research aims to determine the marketing strategy for Mitraguna products at BSI KCP Rogojampi in increasing the number of customers and to find out the obstacles and solutions faced in implementing the marketing strategy for Mitraguna products. The research method used used a qualitative approach with employee informants at BSI KCP Rogojampi and then analyzed using SWOT. The results of this research state that the marketing strategy for Mitraguna financing at BSI KCP Rogojampi uses the 7P marketing mix, namely Product, Price, Promotion, and Place, People, Process, Physical Evidence. The obstacle faced is that price competition between banks is very competitive because many other banks have similar products but offer different prices, making price competition very tight. The strategies used include conducting face to face and door to door promotions and intensively contacting customers by offering competitive prices and in accordance with sharia principles.

Downloads

Download data is not yet available.

References

Adha, MA, & Rahayu, NK (2024). Analysis of Marketing Strategy of BSI Griya, BSI Mitraguna and BSI OTO Financing Products at BSI Yogyakarta using the Boston Consulting Group (BCG) Matrix Method. Jesya (Journal of Economics and Sharia Economics) , 7 (2), 1887-1896.

Azizah, K., & Naufal, NK (2023). Analysis of Mitraguna Financing Products at Bank Syariah Indonesia (BSI) Banjarnegara Branch Office (KCP) Based on DSN MUI Fatwa No: 04/DSN/MUI/IV/2000 Concerning Murabahah. Journal of Economics, Management, Financial Accounting, Digital Business , 2 (2), 137-148.

Bank Syariah Indonesia. 2024. Products and Services of BSI Mitraguna Berkah.

https://www.bankbsi.co.id/produk& jasa/produk/bsi -mitraguna -berkah .

CMB Niaga. 2024. Murabahah is an important contract in Sharia Banking

https://www.cimbniaga.co.id/id/inspirasi/perencanaan/murabahah-adalah-akad-yang-penting-dalam-perbankan-syariah

Fitrianingsih, D., Sisca Damayanti, SE, ME, C., & Susiyati, O. (2023). Factors That Influence Payroll Customers In Taking Over With Mitraguna Berkah Products. Trisakti Journal of Economics , 3 (2), 3513-3522.

Haq, F. (2024). Implementation of Murabahah Contract at BSI Mitraguna Berkah at Bank Syariah Indonesia KCP Pamekasan Jokotole. Journal of Economics and Digital Business , 1 (4), 694-696.

Hidayatullah, MF, Indahwati, A., Setianingrum, N., & Ahmadiono, A. (2024). Marketing Strategy of Mitraguna Products at Bank Syariah Indonesia. Al-Kharaj: Journal of Economics, Finance & Islamic Business , 6 (2), 2836-2842.

Hutabarat, NN, & Sugianto, S. (2024). Analysis of the Mitraguna Financing System at PT Bank Syariah Indonesia. Islamic Financial Economics and Tax Accounting , 1 (2), 47-54.

Ilyas, M. (2020). Financing Mechanism of Mitraguna Berkah PNS with Murabahah Contract at PT. Bank Syariah Mandiri Prabumulih Branch. Adl Islamic Economic: Journal of Islamic Economic Studies , 1 (2), 161-180.

Lanniza, I., & Anggraini, T. (2021). Analysis of Mitraguna Financing Credit Marketing Strategy in Attracting Customer Interest at Bank Syariah Indonesia Ex Bank Syariah Mandiri KCP Stabat. Journal Economy And Currency Study (JECS) , 3 (2), 37-46.

Hendrayani, Eka., Sitinjak, Wahyunita., et al. 2020. Marketing Management (Basic and

Concept) . CV. Media Sains Indonesia: Bandung.

Ibrahim, ASM, & Hasan, A. (2023). New Features of the BSI Mobile Application: Online-Based Mitraguna Products with the Musyarakah Mutanaqisa (MMQ) Contract Scheme. Journal of Islamic Economics , 9 (1), 987-996.

Jauhariyah, N.A., Munawar, A. and Mahmudah, M. (2020) ‘Strategi Pemasaran Syariah Dan Waiting List Terhadap Keputusan Nasabah Menggunakan Produk Tabungan Haji Pada PT BRISyariah KCP Genteng Kabupaten Banyuwangi’, Journal of Sharia Economics, 2(1), pp. 74–92. Available at: https://doi.org/10.35896/jse.v2i1.61.

Jauhariyah, N. A., Fitria, K., & Mahmudah, M. (2020). Kontribusi Marketing Syariah dan Citra Lembaga Dalam Mempengaruhi Keputusan Nasabah Menabung. Jurnal Istiqro, 6(1), 11. https://doi.org/10.30739/istiqro.v6i1.554

Jauhariyah, N. A. (2022). Analisis Penerapan Pembiayaan Gadai Emas Syariah ( Ges ) Dalam Perspektif Fiqh Muamalah. JurnalIstiqro:JurnalHukumIslam,EkonomidanBisnis, 8(2), 182–192. https://doi.org/10.30739/istiqro.v8i2.1574

Lestari, SN, & Amaliah, I. (2023, August). Factors Determining Financing Decisions of Mitraguna Berkah Financing Customers of Bank Syariah Indonesia: A Case Study at Bank Syariah Indonesia Bandung Asia Afrika Branch Office. In Bandung Conference Series: Economics Studies (Vol. 3, No. 2, pp. 505-514).

Maskuri, Hamdan. (2022 ). Marketing Strategy Analysis of MitragunaBerkah Financing Products (Study at PT. Bank Syariah Indonesia KCP Banda Aceh Hasan Batoh. Dissertation (Published). Islamic Banking Study Program, Faculty of Islamic Economics and Business Ar-Raniry State Islamic University, Banda Aceh.

Nasution, W. (2024). Financing Mechanism for PNS Blessing Partners with Murabahah Contract at BSI Bank, Panyabungan Branch. JPSDa: Darussalam Islamic Banking Journal , 4 (1), 45-55.

Narastri, M. (2020). Financial technology (Fintech) in Indonesia reviewed from an Islamic perspective. Indonesian Interdisciplinary Journal of Sharia Economics (IIJSE) , 2 (2), 155-170.

Paranggi, A., & Setiyowati, A. (2023). Analysis of Marketing Strategy of Mitraguna Financing Products in Increasing the Number of Customers (Case Study at Bank Syariah Indonesia, Rungkut 1 Surabaya Branch Office). Musyarakah: Journal of Sharia Economic (MJSE) , 12 (2), 123-132.

Pranata, R., & Qarni, W. (2023). The Effect of Mitraguna Berkah Financing with Murabahah Contract on the Welfare of Civil Servants in Aceh Singkil Regency. Journal of Islamic Economics and Finance Research , 1 (3), 253-262.

Roller software. 2024. Face-to-Face Marketing: Definition, Benefits, and Best Practices to Enhance Your Tourist Attraction.

https://www-roller-software.translate.goog/blog/face-to-face-marketing?

Rusadi, H. (2024). Factors Influencing the Intention to Use the Mitraguna Online Feature on the Bsi Mobile Application Mediated by Attitudes Based on the Technology Acceptance Model (TAM) (Doctoral dissertation, Universitas Muhammadiyah Yogyakarta).

Ulfa, ZL, Shodiqin, DH, & Syafi'i, M. (2024). Marketing Sales Force (SF) Strategy in Marketing Berkah Pension Financing Products at Bank Syariah Indonesia, Banyuwangi Rogojampi Branch Office 1. Lan Tabur Journal , 6 (1), 1-19.

Winario, M., Irawati, I., Hasgimianti, H., & Susanti, E. (2020). Analysis of the Implementation of Murabahah Financing Contracts at Bank Rakyat Indonesia Syariah (BRI Syariah) Pekanbaru. Indonesian Interdisciplinary Journal of Sharia Economics (IIJSE) , 3 (1), 16-38.

Published
2025-11-08
How to Cite
Rahayu, M., & Jauhariyah, N. (2025). Mitraguna Product Marketing Strategy with Murabahah Agreement at BSI KCP Rogojampi Banyuwangi. Indonesian Interdisciplinary Journal of Sharia Economics (IIJSE), 8(3), 13171-13180. https://doi.org/10.31538/iijse.v8i3.6282