Analisis Strategi Office Channeling dalam Meningkatkan Penjualan Tabungan iB Syariah pada CIMB Niaga Syariah

https://doi.org/10.56113/takuana.v5i1.590

Authors

Institut Syekh Abdul Halim Hasan Binjai, Indonesia
×

Emilia Embun Sari

Institut Syekh Abdul Halim Hasan Binjai, Indonesia

Abstract

This study examines the “Dual Banking Leverage Model (Office Channeling)” strategy for CIMB Niaga Syariah's IB Savings product sales, a leading strategy for CIMB Niaga Syariah to increase Third Party Funds (DPK), specifically for its IB Syariah Savings product. This study uses a descriptive qualitative analysis method that systematically, timely, and reliably describes the relationships between the phenomena studied. CIMB Niaga Syariah uses the Dual Banking Leverage Model (DBLM) through Office Channeling to implement its IB Savings product marketing strategy. This strategy expands sales of IB Syariah Savings products beyond Sharia branches to include conventional branch channels. The results of the discussion show that the Office Channeling Strategy is a superior strategy that contributes very relevantly to increasing Sharia Third Party Funds, especially for Ib Savings products at CIMB Niaga Syariah.

Keywords


Sharia Banking, Office Channeling, IB Savings

References

Amrullah, M. A. (2013). Panduan menyusun proposal, skripsi, tesis & disertasi. Smart Pustaka.

Antonio, M. S. (2004). Bank syariah: Dari teori ke praktik. Gema Insani.

Arifin, Z. (2000). Memahami bank syariah: Lingkup, peluang, tantangan, dan prospek. Alvabet.

Antaresman, A. (2016). Strategi pemasaran terhadap penjualan produk Tabungan iB Hasanah di PT Bank Negara Indonesia. Jurnal Manajemen dan Pemasaran Jasa.

Karim, A. A. (2014). Bank syariah: Analisis fiqh dan keuangan. RajaGrafindo Persada.

Karim, A. A. (2012). Ekonomi makro Islami. RajaGrafindo Persada.

Chapra, M. U. (2000). Islam dan tantangan ekonomi. Gema Insani.

CIMB Niaga. (2023). Laporan tahunan (Annual report) 2023. CIMB Niaga.

CIMB Niaga. (2024). Laporan tahunan (Annual report) 2024. CIMB Niaga.

Hasan, N. I. (2014). Perbankan syariah: Sebuah pengantar. Referensi.

Hakim, L. (2012). Prinsip-prinsip ekonomi Islam. Erlangga.

Hidayat, R. (2014). Efisiensi perbankan syariah. Gramata Publishing.

Ikatan Bankir Indonesia. (2013). Memahami bisnis bank. PT Gramedia Pustaka Utama.

Ikatan Bankir Indonesia. (2014). Memahami bisnis bank syariah. PT Gramedia Pustaka Utama.

Imaniyati, N. S. (2013). Perbankan syariah dalam perspektif hukum ekonomi. CV Mandar Maju.

Isma, M. A. (2013). Pengaruh pendapatan, bagi hasil, pengetahuan dan religi mahasiswa terhadap tabungan bank syariah (Studi kasus: IAIDU Asahan dan UNA periode 2010–2012) (Tesis, Institut Agama Islam Negeri Sumatera Utara).

Machmud, A., & Rukmana. (2010). Bank syariah: Teori, kebijakan dan studi empiris di Indonesia. Erlangga.

Mardani. (2012a). Fiqh ekonomi syariah: Fiqh muamalah. Prenadamedia Group.

Mardani. (2012b). Ayat-ayat dan hadis ekonomi syariah. RajaGrafindo Persada.

Nuruddin, A. (2009). Ekonomi syariah: Menepis badai krisis dalam semangat kerakyatan. Citapustaka Media Perintis.

Nasution, M. E., et al. (2006). Pengenalan eksklusif ekonomi Islam. Kencana Prenada Media Group.

Program Pascasarjana IAIN Sumatera Utara. (2012). Pedoman penulisan proposal & tesis. IAIN Press.

Pusat Pengkajian dan Pengembangan Ekonomi Islam. (2008). Ekonomi Islam. RajaGrafindo Persada.

Rivai, V., et al. (2010). Islamic banking: Sistem bank Islam bukan hanya solusi menghadapi krisis namun solusi dalam menghadapi berbagai persoalan perbankan dan ekonomi global. PT Bumi Aksara.

Siregar, S. (2012). Statistik parametrik untuk penelitian kuantitatif. Bumi Aksara.

Syarfina, W. (2012). Analisis perbandingan kinerja keuangan PT Bank Syariah Mandiri dan PT Bank Bukopin periode triwulan 2008–2011 (Tesis, Institut Agama Islam Negeri Sumatera Utara).

Saefuddin, A. M. (2011). Membumikan ekonomi Islam. PPA Consultant.

Syafei, H. R. (2001). Fiqh muamalah. Pustaka Setia.

Tarigan, A. A., et al. (2022). Ekonomi & bank syariah pada milenium ketiga. IAIN Press.

Suparno. (2000). Langkah-langkah penulisan artikel ilmiah. In A. Saukah & M. G. Waseso (Eds.), Menulis artikel untuk jurnal ilmiah. UM Press.

Wahab, A., & Lestari, L. A. (1999). Menulis karya ilmiah. Airlangga University Press.

Winardi, G. (2002). Panduan mempersiapkan tulisan ilmiah. Akatiga.

Downloads

Full Text Download

Published

June 29, 2026

How to Cite

Sari, E. E. (2026). Analisis Strategi Office Channeling dalam Meningkatkan Penjualan Tabungan iB Syariah pada CIMB Niaga Syariah. Takuana: Jurnal Pendidikan, Sains, Dan Humaniora, 5(1), 829–839. https://doi.org/10.56113/takuana.v5i1.590

License


Creative Commons License

This work is licensed under a Creative Commons Attribution-NonCommercial-ShareAlike 4.0 International License.

All published content in Takuana: Jurnal Pendidikan, Sains, dan Humaniora is licensed under a Creative Commons Attribution-NonCommercial-ShareAlike 4.0 International License (CC BY NC SA 4.0). This license allows others to share, copy, redistribute, and adapt the work for non-commercial purposes, as long as proper credit is given to the original author(s) and source, and any derivative works are distributed under the same license.

Attribution must include a clear citation of the original work and a statement indicating whether any changes were made. Commercial use is not permitted under this license and there is no additional legal or technological restrictions may be applied. For more information about the license terms and permissible use, please refer to the full license text available here.