Strategy and Business Model Reformulation for Development of Zakat, Infaq, Alms, and Waqf (ZISWAF) (Case Study Bank XYZ, Pekanbaru)
Open Access
- 13 August 2022
- journal article
- Published by Institut Pertanian Bogor in Journal of Consumer Sciences
- Vol. 7 (2), 148-167
- https://doi.org/10.29244/jcs.7.2.148-167
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.Keywords
This publication has 20 references indexed in Scilit:
- Urgensi Penerapan Sistem Ekonomi IslamEl Barka: Journal of Islamic Economics and Business, 2019
- Analisis Strategi Pengembangan Zakat, Infaq, Shadaqoh dan Wakaf di IndonesiaPerisai : Islamic Banking and Finance Journal, 2019
- MODEL EDUKASI BERDASARKAN SEGMENTASI KONSUMEN UNTUK MEMBANGUN MINAT MASYARAKAT PADA PERBANKAN SYARIAHSosiohumaniora, 2018
- TANTANGAN BANK SYARIAH DI ERA GLOBALISASIEl Barka: Journal of Islamic Economics and Business, 2018
- OPTIMALISASI LAKU PANDAI BERBASIS MASJID GUNA LITERASI DAN INKLUSI KEUANGAN SYARIAH BERKELANJUTANJurnal Ekonomi dan Bisnis Islam (Journal of Islamic Economics and Business), 2018
- DINAMIKA PENGELOLAAN WAKAF DI NEGARA-NEGARA MUSLIMZISWAF: JURNAL ZAKAT DAN WAKAF, 2018
- PENGUATAN PRINSIP SYARIAH PADA PRODUK BANK SYARIAHJurnal Jurisprudence, 2017
- Formulasi Strategi Penghimpunan Zakat oleh Badan Amil Zakat Nasional (BAZNAS)Al-Muzara'ah, 2015
- Perancangan Data Mining Untuk Analisis Kriteria Nasabah Kredit yang Potensial dan Manfaatnya Untuk Customer Relationship Management PerbankanJurnal Akuntansi dan Investasi, 2015
- Model Pengukuran Kinerja Customer Relationship Management dalam Industri PerbankanBinus Business Review, 2014