Analisis Produk Tabungan Haji Di Bank Syariah Indonesia Sebagai Upaya Meningkatkan Literasi Kepada Masyarakat Pangkalan Brandan Langkat

Fauzi Ardianti; Yaumul Khair Afif; Khairunnisa Khairunnisa; Siti Mauliza; Suci Deani; Aulia Putri; Juliani Pratiwi

doi:10.55606/jimek.v6i3.13262

Authors

Fauzi Ardianti Institut Jam'iyah Mahmudiyah Langkat
Yaumul Khair Afif Institut Jam’iyah Mahmudiyah Langkat
Khairunnisa Khairunnisa Institut Jam’iyah Mahmudiyah Langkat
Siti Mauliza Institut Jam’iyah Mahmudiyah Langkat
Suci Deani Institut Jam’iyah Mahmudiyah Langkat
Aulia Putri Institut Jam’iyah Mahmudiyah Langkat
Juliani Pratiwi Institut Jam’iyah Mahmudiyah Langkat

DOI:

https://doi.org/10.55606/jimek.v6i3.13262

Keywords:

BSI, Hajj Savings, Islamic Banking, Islamic Financial Literacy, Public Literacy

Abstract

This study analyzes the Hajj Savings product at Bank Syariah Indonesia (BSI) and its role in improving public literacy in Pangkalan Brandan, Langkat. The study uses a qualitative descriptive approach. Primary data were obtained through interviews with three members of the Rukuan Bunda study group and one BSI marketing staff member, supported by documentation. The findings show that the informants’ initial knowledge of BSI Hajj Savings varied from limited familiarity to no prior knowledge. Direct socialization conducted by BSI through community religious gatherings helped participants understand the basic function of Hajj Savings as a gradual financial preparation for Hajj. However, the literacy obtained was not yet comprehensive. Informants still needed clearer information about the initial deposit, periodic saving, costs, requirements, registration procedures, and the stages after Hajj registration. BSI’s literacy efforts included direct visits to study groups, cooperation with the Indonesian Hajj Brotherhood (IPHI), dissemination of information related to the Ministry of Religious Affairs, and assistance in opening accounts. The study indicates that direct, interactive, and practical education is important for strengthening community understanding of Hajj Savings products.

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