Perilaku Konsumsi Upaya Meningkatkan Potensi Produk Deposito di Bank Syariah
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Abstract
Perbankan syari’ah saat ini telah memiliki payung hukum yang kuat dengan hadirnya undang-undang nomor 21 tahun 2008 tentang perbankan syari’ah. Hal ini sangat berpengaruh terhadap eksistensi dari perbankan syari’ah yang semakin diminati oleh banyak kalangan.Bank syari’ah membutuhkan dana dalam menjalankan produk pembiayaannya. Deposito merupakan salah satu produk penghimpunan di bank syariah. Deposito di bank syariah terus mengalami pertumbuhan. Walaupun demikian bank syariah tetap harus meningkatkan produk deposito, untuk mencapai market share 5 persen. Untuk meningkatkan volume deposito bank syariah perlu memahami bentuk perilaku konsumsi masyarakat. Dari data yang ada kontribusi dana pihak ketiga bank syariah diberikan oleh produk deposito sebesar 71,15 persen.Penulisan ini menggunakan jenis deskriptif kualitatif, Batasan dalam tulisan ini difokuskan pada produk deposito di bank syari’ah perilaku konsumen.Tulisan ini menggunakan studi pustaka kajian dari berbagai sumber. Hasil dari tulisan ini bahwa deposito di bank syariah terus mengalami perkembangan, pada tahun 2015 pertumbuhan deposito di bank syariah mencapai 4,12 persen. Perilaku konsumsi memiliki banyak faktor dan bisa memberi pengaruh terhadap peningkatan produk deposito di bank syariah. Sehingga bank syariah perlu memahami perilaku konsumsi masyarakat dalam upaya meningkatkan potensi pengembangan produk deposito di bank syariah.potensi pengembangan produk pembiayaan mudharabah di bank syari’ah masih sangat besar.Potensi pengembangan produk deposito masih sangat besar dan sangat luas.Bank of Shariah now has a solid legal with the presence of the law number 21 in 2008 about Bank of Shariah. This adversely affects the existence of the Shari'ah Bank that increasingly catches interest many people. Bank of Shari'ah requires funds in running financing products. Deposits are ones’ product accumulation in Islamic banks. Deposits in Islamic banks continued to grow. Nevertheless, Islamic banks still have to increase deposit products, to achieve a 5 percent market share. To increase the volume of deposits of Islamic banks need to understand the behaviors of consumption. From the available data the contribution of third party funds provided by the Islamic banks deposits amounted to 71.15 persen. This study uses a descriptive qualitative limitation. This paper is focused on products in Consumers Islamic bank deposits. This study uses literature review of various sources. The results of this paper that the deposits in Islamic banks continued to experienced growth, in 2015 the growth of deposits in Islamic banks reaches 4.12 percent. Consumer behavior has many factors and can give effect to an increase in deposit products in Islamic banks. So that Islamic banks need to understand the behavior of private consumption in order to increase the potential for product development of deposits in Bank of Shariah. The advantage of product development in Islamic bank financing is still enormous. The advantage of deposit product development is still very large and very spacious.
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“Perilaku Konsumsi Upaya Meningkatkan Potensi Produk Deposito Di Bank Syariah”. Intizar 22, no. 2 (December 24, 2016): 333–348. Accessed March 23, 2025. https://jurnal.radenfatah.ac.id/index.php/intizar/article/view/945.
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How to Cite
“Perilaku Konsumsi Upaya Meningkatkan Potensi Produk Deposito Di Bank Syariah”. Intizar 22, no. 2 (December 24, 2016): 333–348. Accessed March 23, 2025. https://jurnal.radenfatah.ac.id/index.php/intizar/article/view/945.