Strategy and Business Model Reformulation for Development of Zakat, Infaq, Alms, and Waqf (ZISWAF) (Case Study Bank XYZ, Pekanbaru)
Article Sidebar
Published
13 August 2022
Keywords:
-
Business model canvas (BMC), Islamic Bank, Quantitative Strategic Planning Matrix (QSPM), SWOT, Ziswaf
Abstract
Indonesia has enormous potential for zakat and waqf, but Bank XYZ has not maximized the collection through the sharia business unit (UUS). Therefore, it is necessary to reformulate the strategy and business model of developing ZISWAF Bank XYZ in order to obtain optimal results. This study used a qualitative descriptive method with a case study at Bank XYZ. The research was conducted from February 2021 to October 2021. The response survey was determined based on purposive sampling consisting of internal practitioners, academics, BWI, BAZNAS, and ziswaf institutions affiliated with Islamic banks. The data collection technique was based on observation, in-depth interviews, and questionnaires to respondents. Data analysis used IPA, BMC, SWOT, and QSPM approaches. Based on IPA analysis, this study recommends that three selected elements be developed: value proposition, channel, and critical resource. Technology adjustment and strengthening of bank image as ZISWAF recipients, improving bank channels through optimizing office networks and utilizing social media marketing and customer databases, as well as improving SOPs to improve the business model of Bank XYZ in the future.
References
Abidah, A. (2016). Analisis strategi fundraising terhadap peningkatan pengelolaan ZIS pada lembaga amil zakat Kabupaten Ponorogo (Fundraising strategy analysis on improving ZIS management at amil zakat institutions in Kabupaten Ponorogo). Jurnal Kodifikasia, 10(1), 163-189. doi: 10.21154/kodifikasia.v10i1.804
Akbar, Y. R., & Elsye, M. A. W. (2019). Integrated marketing to increase public interest in savings in Islamic Banks (pemasaran terintegrasi untuk meningkatkan minat masyarakat dalam menabung di Bank Syariah). Jurnal Islamika, 2(2), 82-97. doi: https://doi.org/10.37859/jsi.v2i2.1638
Ascarya, Husman, J.A. & Suharto, A. (2017). Integration of islamic commercial and social finance: a proposed model. Integration of islamic commercial and social finance: proposed model (Integrasi Keuangan Komersial dan Sosial Islam: Usulan Model. Integrasi Keuangan Komersial dan Sosial Islam : Usulan Model). Jakarta: Departmen Ekonomi dan Keuangan Syariah Bank Indonesia. Unpublished.
Athia, I., Saraswati, E., & Normaladewi, A. (2018). Application of Business Model Canvas (BMC) to encourage entrepreneurial mindset among students of the Universitas Islam Malang (Penerapan Business Model Canvas (BMC) untuk Mendorong Mindset Kewirausahaan di Kalangan Mahasiswa Universitas Islam Malang). Jurnal Ketahanan Pangan, 2(1), 66-75.
[BAZNAS] Badan Amil Zakat Nasional (2019). Zakat Potential Mapping Indicators (Indikator Pemetaan Potensi Zakat). Jakarta, BAZNAS.
[BRK] Bank Riau Kepri (2020). Annual Report 2020 (Laporan Tahunan 2020). Pekanbaru(ID): BRK.
Brahmana, G. A. (2016). Gold Installment Product Business Model and Strategy with Business Model Canvas Approach Case Study of Sharia Bank XYZ (Model dan Strategi Bisnis Produk Cicil Emas dengan Pendekatan Business Model Canvas Studi Kasus Bank Syariah XYZ). [Theses]. Bogor: Institut Pertanian Bogor.
Buraera, J., Kadir, A. R., & Alam S. (2014). Customer lifetime value segmen konsumer dan ritel pada PT. Bank Negara Indonesia (Persero) Tbk (Customer lifetime value consumer and retail segment at PT. Bank Negara Indonesia (Persero) Tbk). Jurnal Analisis, 3(2), 165-171.
Coryna, I. A., & Tanjung, H. (2015). Formulation of zakat collection strategy by the National Amil Zakat Agency (BAZNAS) (Formulasi strategi penghimpunan zakat oleh Badan Amil Zakat Nasional (BAZNAS)). Al - Muzara'ah Journal of Islamic Economics and Finance, 3(2), 158-179. doi:10.29244/jam.3.2.158-179.
David, F. R., & David, F. R. (2016). Manajemen Strategik [Strategic Management]. (Puspasari, N., Puspitasari, L.N., penerjemah, Halim, D.A., editor). Jakarta, Salemba Empat. Terjemahan dari: Strategik Management: A Competitive Advantage Approach, Concepts and Cases, Ed ke-15.
Edriyanti, R., Marpaung, M., Sugianto, Musthofiyah, U., & Listiana, L. (2021). The strategy of Nazir development in Indonesia: A qualitative study (Strategi pembangunan Nazir di Indonesia: studi kualitatif). Jurnal Al-Muzara’ah, 9(2), 231-245. doi: 10.29244/jam.9.2.231-245.
Fahrurrozi. (2019). The urgency of implementing an islamic economic system (Urgensi penerapan sistem ekonomi Islam). El Barka:Journal of Islamic Economics and Business, 2(2), 191-221. doi: 10.21154/elbarka.v2i2.1745.
Gunawan, M. I. (2019). Islamic Banking in the implementation of cash waqf (A study on the economic empowerment of the ummah) (Perbankan syariah dalam implementasi wakaf uang (telaah atas pemberdayaan ekonomi umat)). Fikroh, 8(2), 1-12.
Kadir, M. F., & Nafis, M. C. (2017). Strategi pengumpulan dana zakat pada badan amil zakat infaq dan shadaqah (Bazis) Provinsi DKI Jakarta (Strategy for collection of zakat funds at the amil zakat infaq and shadaqah (Bazis) Agency of DKI Jakarta Province). Journal Middle East and Islamic Studies, 4(1), 107-123. doi: https://doi.org/10.7454/meis.v5i1.18
Kalimah, S. (2019). Sharia marketing in optimizing the role of amil zakat institutions in Indonesia (Pemasaran syariah dalam upaya optimalisasi peran lembaga amil zakat di Indonesia). Journal El-Faqih, 5(1), 60-77. doi: https://doi.org/10.29062/faqih.v5i1.33
Kasdi, A. (2017). Dynamics of waqf management in muslim countries (Dinamika pengelolaan wakaf di negara-negara muslim). Jurnal Ziswaf, 4(1), 73-86. doi: http://dx.doi.org/10.21043/ziswaf.v4i1.3032
Kurniawan, P. S. (2015). Data mining design for criteria analysis of potential credit customers and its benefits for banking customer relationship management (Perancangan data mining untuk analisis kriteria nasabah kredit yang potensial dan manfaatnya untuk customer relationship management perbankan). Journal of Accounting and Investment, 16(2), 155-174. doi: 10.18196/JAI-2015.0040.
Latifah, E. (2021). Application of zakat, infaq, alms and waqf as fiscal policy strategies in Sharia Microfinance Institutions (Penerapan zakat, infak, sedekah dan wakaf sebagai strategi kebijakan fiskal pada sharia microfinance institutions). Indonesian Journal of Islamic Economics and Finance, 1(1), 1-14.
Lubis, R. H., & Latifah, F. N. (2019). Analysis of zakat, infaq, sadaqoh and waqf development strategies in indonesia (Analisis strategi pengembangan zakat, infaq, shadaqoh dan wakaf di Indonesia). Islamic Banking and Finance Journal, 3(1), 45-56. doi:10.21070/perisai.v3i1.1999.
Masruroh, N. (2015). Zakat in sharia banking (Zakat di perbankan syariah). Al-Mashraf, 2(1), 33-46.
Marlina, A. (2020). Marketing strategy for iB Maslahah Savings at Bank Jabar Banten Syariah Bogor Branch Office (Strategi pemasaran tabungan iB Maslahah pada Bank Jabar Banten Syariah Kantor Cabang Bogor). Jurnal Moneter, 8(2), 92-101. doi: http://dx.doi.org/10.32832/moneter.v8i2.4822
Maulidiyah, P., & Arifin, S. (2017). The synergy of sharia financial institutions in growing the surabaya community economy case study of economic relations of BNI Syariah, zakat institutions and waqf boards in Surabaya (Sinergitas lembaga keuangan syariah dalam menumbuhkan ekonomi masyarakat surabaya studi kasus relasi ekonomi BNI Syariah, lembaga Zakat dan Badan Wakaf di Surabaya). eL-Qist, 7(2), 1447-1463. doi: https://doi.org/10.15642/elqist.2017.7.2.1447-1463
Muhamad. (2018). Islamic Monetary Economics (Ekonomi Moneter Islam). Yogyakarta(ID): UII Press.
Mutiasari, A. I. (2020). The development of the banking industry in the digital age (Perkembangan industri perbankan di era digital). Jurnal Ekonomi Bisnis dan Kewirausahaan, 9(2), 32-41.
Naim, A. H. (2019). Waqf management institution and fundraising management (Lembaga pengelola wakaf dan manajemen fundraising). ZISWAF; Jurnal Zakat dan Wakaf, 6(1), 101-113. doi: http://dx.doi.org/10.21043/ziswaf.v6i1.5613
Najib, M. A. (2017). Strengthening sharia principles in sharia bank products (Penguatan prinsip syariah pada produk bank syariah). Jurisprudence, 7(1), 15-28. doi: https://doi.org/10.23917/jurisprudence.v7i1.4351
Nizar, M. A. (2017). Strengthening Financial Sector Fundamentals to Support Economic Stability (Penguatan Fundamental Sektor Keuangan dalam Mendukung Stabilitas Perekonomian). (Abimanyu, Y., Nizar, M.A. & Nasution, L.Z., editor). Jakarta(ID): Nagakusuma Media Kreatif.
Oktafia, R., Yani, M., Firdayanti, N. & Shabirah, A. (2021). Bank Syariah Mandiri management strategy at Krian Branch Offices to survive during the covid-19 pandemic (Strategi pengelolaan Bank Syariah Mandiri Kantor Cabang Krian untuk bertahan di masa pandemi covid-19). Jurnal Masharif al-Syariah, 6(1), 29-42.
Osterwalder, A. & Pigneur, Y. (2012). Business Model Generation. (Sihandrini, N.R., penerjemah); (Masda, Y., editor). Jakarta(ID): Elex Media Komputindo.
PPM Manajemen. (2012). Business Model Canvas Implementation in Indonesia (Business Model Canvas Penerapan di Indonesia). Jakarta(ID): PPM.
Purnamasari, D., & Firdaus, A. (2017). Analysis of zakat collection strategy with the business model canvas approach (Analisis strategi penghimpunan zakat dengan pendekatan business model canvas). Human Falah, 4(2), 259-285.
Putra, B. P. & Pakkana, M. (2019). Strategic formulation of the National Amil Zakat Agency (BAZNAS) Bogor City with the business model canvas and balanced scorecard as the basis for organizational development (Formulasi strategi Badan Amil Zakat Nasional (BAZNAS) Kota Bogor dengan business model canvas dan balance scorecard sebagai dasar pengembangan organisasi). Jurnal Liquidity, 8(2), 99-110. doi: https://doi.org/10.32546/lq.v8i2.335
Putri, S. A. M., & Firmansyah, E. J. R. (2017). Optimization of mosque-based Laku Pandai for sustainable sharia financial literacy and inclusion (Optimalisasi Laku Pandai berbasis mesjid guna literasi dan inklusi keuangan syariah berkelanjutan). Jurnal Ekonomi dan Bisnis Islam. 3(2), 106-121. http://dx.doi.org/10.20473/jebis.v3i2.6464
Rusydiana, A. S. & Rahayu, S. S. (2019). how is the cash waqf development strategy in Indonesia (bagaimana strategi pengembangan wakaf tunai di Indonesia). Jurnal Ekonomi dan Bisnis Islam, 5(1), 15-33. doi: 10.20473/jebis.v5i1.10416.
Saptono, I. T., Raihan, M. A., & Shalehanti, N. (2018). Waqf-Based Investment Product Study (Kajian Produk Investasi Berbasis Wakaf). Jakarta(ID): Direktorat Pasar Modar Syariah dan Otoritas Jasa Keuangan.
Saputra, D. C., Arsyianti, L. D., & Saptono, I. T. (2021). Development strategy of islamic boarding schools-based waqf (Case study: Islamic Boarding Schools of Daarut Tauhiid, Bandung). Journal of Consumer Sciences, 6(2), 129-150. doi: https://doi.org/10.29244/jcs.6.2.129-149
Simbolon, F. (2014). Customer relationship management performance measurement model in the banking industry (Model pengukuran kinerja customer relationship management dalam industri perbankan). Binus Business Review, 5(1), 278-287. doi: https://doi.org/10.21512/bbr.v5i1.1216
Soenjoto. (2018). Challenges of islamic banks in the era of globalization (Tantangan bank syariah di era globalisasi). El-Barka Journal of Islamic Economics and Business, 1(1), 79-103.
Thayyeb, Y. Y. (2012). Productive waqf management in Egypt (Pengelolaan wakaf produktif di Mesir). Al-Awqaf. 5(2), 1-12.
Ubaid, A. (2015). Nazhir's partnership with islamic banks in developing cash waqf; comparative studies in Indonesia, Bangladesh and Jordan (Kemitraan nazhir dengan bank syariah dalam mengembangkan wakaf uang ; studi perbandingan di Indonesia, Bangladesh dan Yordania). Kuriositas, 8(1), 15-24. doi: https://doi.org/10.35905/kur.v8i1.143
Uksumenko, A.A., Kuzmicheva, I.A. & Vorozhbit, O.Y. (2017). Effective marketing strategy for regional banks. European Research Studies Journal, 20(4A), 558-567. doi: 10.35808/ersj/854
Waluyo, B., Rozza, S., & Sujarwo. (2018). Educational model based on consumer segmentation to build public interest in islamic banking (Model edukasi berdasarkan segmentasi konsumen untuk membangun minat masyarakat pada perbankan syariah). Jurnal Sosiohumaniora, 20(3), 260-268.
Akbar, Y. R., & Elsye, M. A. W. (2019). Integrated marketing to increase public interest in savings in Islamic Banks (pemasaran terintegrasi untuk meningkatkan minat masyarakat dalam menabung di Bank Syariah). Jurnal Islamika, 2(2), 82-97. doi: https://doi.org/10.37859/jsi.v2i2.1638
Ascarya, Husman, J.A. & Suharto, A. (2017). Integration of islamic commercial and social finance: a proposed model. Integration of islamic commercial and social finance: proposed model (Integrasi Keuangan Komersial dan Sosial Islam: Usulan Model. Integrasi Keuangan Komersial dan Sosial Islam : Usulan Model). Jakarta: Departmen Ekonomi dan Keuangan Syariah Bank Indonesia. Unpublished.
Athia, I., Saraswati, E., & Normaladewi, A. (2018). Application of Business Model Canvas (BMC) to encourage entrepreneurial mindset among students of the Universitas Islam Malang (Penerapan Business Model Canvas (BMC) untuk Mendorong Mindset Kewirausahaan di Kalangan Mahasiswa Universitas Islam Malang). Jurnal Ketahanan Pangan, 2(1), 66-75.
[BAZNAS] Badan Amil Zakat Nasional (2019). Zakat Potential Mapping Indicators (Indikator Pemetaan Potensi Zakat). Jakarta, BAZNAS.
[BRK] Bank Riau Kepri (2020). Annual Report 2020 (Laporan Tahunan 2020). Pekanbaru(ID): BRK.
Brahmana, G. A. (2016). Gold Installment Product Business Model and Strategy with Business Model Canvas Approach Case Study of Sharia Bank XYZ (Model dan Strategi Bisnis Produk Cicil Emas dengan Pendekatan Business Model Canvas Studi Kasus Bank Syariah XYZ). [Theses]. Bogor: Institut Pertanian Bogor.
Buraera, J., Kadir, A. R., & Alam S. (2014). Customer lifetime value segmen konsumer dan ritel pada PT. Bank Negara Indonesia (Persero) Tbk (Customer lifetime value consumer and retail segment at PT. Bank Negara Indonesia (Persero) Tbk). Jurnal Analisis, 3(2), 165-171.
Coryna, I. A., & Tanjung, H. (2015). Formulation of zakat collection strategy by the National Amil Zakat Agency (BAZNAS) (Formulasi strategi penghimpunan zakat oleh Badan Amil Zakat Nasional (BAZNAS)). Al - Muzara'ah Journal of Islamic Economics and Finance, 3(2), 158-179. doi:10.29244/jam.3.2.158-179.
David, F. R., & David, F. R. (2016). Manajemen Strategik [Strategic Management]. (Puspasari, N., Puspitasari, L.N., penerjemah, Halim, D.A., editor). Jakarta, Salemba Empat. Terjemahan dari: Strategik Management: A Competitive Advantage Approach, Concepts and Cases, Ed ke-15.
Edriyanti, R., Marpaung, M., Sugianto, Musthofiyah, U., & Listiana, L. (2021). The strategy of Nazir development in Indonesia: A qualitative study (Strategi pembangunan Nazir di Indonesia: studi kualitatif). Jurnal Al-Muzara’ah, 9(2), 231-245. doi: 10.29244/jam.9.2.231-245.
Fahrurrozi. (2019). The urgency of implementing an islamic economic system (Urgensi penerapan sistem ekonomi Islam). El Barka:Journal of Islamic Economics and Business, 2(2), 191-221. doi: 10.21154/elbarka.v2i2.1745.
Gunawan, M. I. (2019). Islamic Banking in the implementation of cash waqf (A study on the economic empowerment of the ummah) (Perbankan syariah dalam implementasi wakaf uang (telaah atas pemberdayaan ekonomi umat)). Fikroh, 8(2), 1-12.
Kadir, M. F., & Nafis, M. C. (2017). Strategi pengumpulan dana zakat pada badan amil zakat infaq dan shadaqah (Bazis) Provinsi DKI Jakarta (Strategy for collection of zakat funds at the amil zakat infaq and shadaqah (Bazis) Agency of DKI Jakarta Province). Journal Middle East and Islamic Studies, 4(1), 107-123. doi: https://doi.org/10.7454/meis.v5i1.18
Kalimah, S. (2019). Sharia marketing in optimizing the role of amil zakat institutions in Indonesia (Pemasaran syariah dalam upaya optimalisasi peran lembaga amil zakat di Indonesia). Journal El-Faqih, 5(1), 60-77. doi: https://doi.org/10.29062/faqih.v5i1.33
Kasdi, A. (2017). Dynamics of waqf management in muslim countries (Dinamika pengelolaan wakaf di negara-negara muslim). Jurnal Ziswaf, 4(1), 73-86. doi: http://dx.doi.org/10.21043/ziswaf.v4i1.3032
Kurniawan, P. S. (2015). Data mining design for criteria analysis of potential credit customers and its benefits for banking customer relationship management (Perancangan data mining untuk analisis kriteria nasabah kredit yang potensial dan manfaatnya untuk customer relationship management perbankan). Journal of Accounting and Investment, 16(2), 155-174. doi: 10.18196/JAI-2015.0040.
Latifah, E. (2021). Application of zakat, infaq, alms and waqf as fiscal policy strategies in Sharia Microfinance Institutions (Penerapan zakat, infak, sedekah dan wakaf sebagai strategi kebijakan fiskal pada sharia microfinance institutions). Indonesian Journal of Islamic Economics and Finance, 1(1), 1-14.
Lubis, R. H., & Latifah, F. N. (2019). Analysis of zakat, infaq, sadaqoh and waqf development strategies in indonesia (Analisis strategi pengembangan zakat, infaq, shadaqoh dan wakaf di Indonesia). Islamic Banking and Finance Journal, 3(1), 45-56. doi:10.21070/perisai.v3i1.1999.
Masruroh, N. (2015). Zakat in sharia banking (Zakat di perbankan syariah). Al-Mashraf, 2(1), 33-46.
Marlina, A. (2020). Marketing strategy for iB Maslahah Savings at Bank Jabar Banten Syariah Bogor Branch Office (Strategi pemasaran tabungan iB Maslahah pada Bank Jabar Banten Syariah Kantor Cabang Bogor). Jurnal Moneter, 8(2), 92-101. doi: http://dx.doi.org/10.32832/moneter.v8i2.4822
Maulidiyah, P., & Arifin, S. (2017). The synergy of sharia financial institutions in growing the surabaya community economy case study of economic relations of BNI Syariah, zakat institutions and waqf boards in Surabaya (Sinergitas lembaga keuangan syariah dalam menumbuhkan ekonomi masyarakat surabaya studi kasus relasi ekonomi BNI Syariah, lembaga Zakat dan Badan Wakaf di Surabaya). eL-Qist, 7(2), 1447-1463. doi: https://doi.org/10.15642/elqist.2017.7.2.1447-1463
Muhamad. (2018). Islamic Monetary Economics (Ekonomi Moneter Islam). Yogyakarta(ID): UII Press.
Mutiasari, A. I. (2020). The development of the banking industry in the digital age (Perkembangan industri perbankan di era digital). Jurnal Ekonomi Bisnis dan Kewirausahaan, 9(2), 32-41.
Naim, A. H. (2019). Waqf management institution and fundraising management (Lembaga pengelola wakaf dan manajemen fundraising). ZISWAF; Jurnal Zakat dan Wakaf, 6(1), 101-113. doi: http://dx.doi.org/10.21043/ziswaf.v6i1.5613
Najib, M. A. (2017). Strengthening sharia principles in sharia bank products (Penguatan prinsip syariah pada produk bank syariah). Jurisprudence, 7(1), 15-28. doi: https://doi.org/10.23917/jurisprudence.v7i1.4351
Nizar, M. A. (2017). Strengthening Financial Sector Fundamentals to Support Economic Stability (Penguatan Fundamental Sektor Keuangan dalam Mendukung Stabilitas Perekonomian). (Abimanyu, Y., Nizar, M.A. & Nasution, L.Z., editor). Jakarta(ID): Nagakusuma Media Kreatif.
Oktafia, R., Yani, M., Firdayanti, N. & Shabirah, A. (2021). Bank Syariah Mandiri management strategy at Krian Branch Offices to survive during the covid-19 pandemic (Strategi pengelolaan Bank Syariah Mandiri Kantor Cabang Krian untuk bertahan di masa pandemi covid-19). Jurnal Masharif al-Syariah, 6(1), 29-42.
Osterwalder, A. & Pigneur, Y. (2012). Business Model Generation. (Sihandrini, N.R., penerjemah); (Masda, Y., editor). Jakarta(ID): Elex Media Komputindo.
PPM Manajemen. (2012). Business Model Canvas Implementation in Indonesia (Business Model Canvas Penerapan di Indonesia). Jakarta(ID): PPM.
Purnamasari, D., & Firdaus, A. (2017). Analysis of zakat collection strategy with the business model canvas approach (Analisis strategi penghimpunan zakat dengan pendekatan business model canvas). Human Falah, 4(2), 259-285.
Putra, B. P. & Pakkana, M. (2019). Strategic formulation of the National Amil Zakat Agency (BAZNAS) Bogor City with the business model canvas and balanced scorecard as the basis for organizational development (Formulasi strategi Badan Amil Zakat Nasional (BAZNAS) Kota Bogor dengan business model canvas dan balance scorecard sebagai dasar pengembangan organisasi). Jurnal Liquidity, 8(2), 99-110. doi: https://doi.org/10.32546/lq.v8i2.335
Putri, S. A. M., & Firmansyah, E. J. R. (2017). Optimization of mosque-based Laku Pandai for sustainable sharia financial literacy and inclusion (Optimalisasi Laku Pandai berbasis mesjid guna literasi dan inklusi keuangan syariah berkelanjutan). Jurnal Ekonomi dan Bisnis Islam. 3(2), 106-121. http://dx.doi.org/10.20473/jebis.v3i2.6464
Rusydiana, A. S. & Rahayu, S. S. (2019). how is the cash waqf development strategy in Indonesia (bagaimana strategi pengembangan wakaf tunai di Indonesia). Jurnal Ekonomi dan Bisnis Islam, 5(1), 15-33. doi: 10.20473/jebis.v5i1.10416.
Saptono, I. T., Raihan, M. A., & Shalehanti, N. (2018). Waqf-Based Investment Product Study (Kajian Produk Investasi Berbasis Wakaf). Jakarta(ID): Direktorat Pasar Modar Syariah dan Otoritas Jasa Keuangan.
Saputra, D. C., Arsyianti, L. D., & Saptono, I. T. (2021). Development strategy of islamic boarding schools-based waqf (Case study: Islamic Boarding Schools of Daarut Tauhiid, Bandung). Journal of Consumer Sciences, 6(2), 129-150. doi: https://doi.org/10.29244/jcs.6.2.129-149
Simbolon, F. (2014). Customer relationship management performance measurement model in the banking industry (Model pengukuran kinerja customer relationship management dalam industri perbankan). Binus Business Review, 5(1), 278-287. doi: https://doi.org/10.21512/bbr.v5i1.1216
Soenjoto. (2018). Challenges of islamic banks in the era of globalization (Tantangan bank syariah di era globalisasi). El-Barka Journal of Islamic Economics and Business, 1(1), 79-103.
Thayyeb, Y. Y. (2012). Productive waqf management in Egypt (Pengelolaan wakaf produktif di Mesir). Al-Awqaf. 5(2), 1-12.
Ubaid, A. (2015). Nazhir's partnership with islamic banks in developing cash waqf; comparative studies in Indonesia, Bangladesh and Jordan (Kemitraan nazhir dengan bank syariah dalam mengembangkan wakaf uang ; studi perbandingan di Indonesia, Bangladesh dan Yordania). Kuriositas, 8(1), 15-24. doi: https://doi.org/10.35905/kur.v8i1.143
Uksumenko, A.A., Kuzmicheva, I.A. & Vorozhbit, O.Y. (2017). Effective marketing strategy for regional banks. European Research Studies Journal, 20(4A), 558-567. doi: 10.35808/ersj/854
Waluyo, B., Rozza, S., & Sujarwo. (2018). Educational model based on consumer segmentation to build public interest in islamic banking (Model edukasi berdasarkan segmentasi konsumen untuk membangun minat masyarakat pada perbankan syariah). Jurnal Sosiohumaniora, 20(3), 260-268.
Authors
Rahman A., Fahmi I., & Saptono I. T. (2022). Strategy and Business Model Reformulation for Development of Zakat, Infaq, Alms, and Waqf (ZISWAF) (Case Study Bank XYZ, Pekanbaru). Journal of Consumer Sciences, 7(2), 149-168. https://doi.org/10.29244/jcs.7.2.149-168
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
This work is licensed under a Creative Commons Attribution 4.0 International 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 (See The Effect of Open Access).
