Article Sidebar

Download
PDF
Statistic
Read Counter : 54 Download : 29

Main Article Content

Abstract

This study examines the feasibility of establishing a new Bank Syariah Indonesia (BSI) outlet in the Lawe Alas District, Southeast Aceh, employing a qualitative case study approach that incorporates interviews and observations. Although the economic potential in the agriculture, small trade, and service sectors is considerable, the level of Islamic financial literacy among the community remains low. Financial transactions are predominantly cash-based, and limitations in digital infrastructure pose significant obstacles. The research findings indicate that while demand for Islamic financial services is increasing, the transaction rate has only reached 40% of the population, requiring careful consideration before expansion. This study recommends opening a new outlet, accompanied by efforts to enhance digital literacy, strengthen BSI Link services, and optimize network infrastructure to accelerate Islamic financial inclusion in the region.

Keywords

Bank Syariah Indonesia business feasibility Islamic financial literacy Lawe Alas financial inclusion MSMEs

Article Details

Creative Commons License

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

Author Biographies

Bengi Asrah, Universitas Islam Negeri Sumatra Utara, Indonesia

Saya bengi asrama mahasiswa semester akhir prodi perbankan syari'ah universitas islam negeri Sumatra Utara umur saya 22 tahun dengan nim 0503212138 dan email saya Bengiasrah941@gmail.com

Kamila Kamila, Universitas IsIam Negeri Sumatra Utara, Indonesia

Saya  Dr. Kamila, S.E., Ak., M.Si, C.A. merupakan dosen tetap di Universitas IsIam negeri Sumatra Utara fakultas ekonomi dan bisnis islam  dengan NIP: 197910232008012014 dan email saya kamila@uinsu.ac.id

Nurwani Nurwani, Universitas IsIam Negeri Sumatra Utara, Indonesia

Saya NURWANI, M.Si merupakan dosen tetap di Universitas IsIam negeri Sumatra Utara fakultas ekonomi dan bisnis islam  dengan NIP:198903262019032010 dan email saya nurwani@uinsu.ac.id

How to Cite
Asrah, B. ., Kamila, K., & Nurwani, N. (2025). Feasibility Analysis for Opening a New Branch of Bank Syariah Indonesia in Lawe Alas Subdistrict, Southeast Aceh Regency. Paradoks : Jurnal Ilmu Ekonomi, 8(3), 946–955. https://doi.org/10.57178/paradoks.v8i3.1445
Download Citation
Endnote/Zotero/Mendeley (RIS)
BibTeX

References

  1. Abdulloh, M. (2023). Digital transformation of Bank Syariah Indonesia services and its impact on financial inclusion. Invest Journal of Sharia & Economic Law, 3(2), 224–235. https://doi.org/10.21154/invest.v3i2.6977
  2. Anisak, S. B. (2024). Peran dan tantangan Bank Syariah Indonesia dalam meningkatkan inklusi keuangan melalui produk mikro syariah, 07(02).
  3. Anisyah, E. N., Pinem, D., & Hidayati, S. (2021). Pengaruh literasi keuangan, inklusi keuangan dan financial technology terhadap perilaku keuangan pelaku UMKM di Kecamatan Sekupang. Management and Business Review, 5(2), 310–324. https://doi.org/10.21067/mbr.v5i2.6083
  4. Azhar, K., Syahnan, M., & Harahap, A. M. (2025). Transition of Acehnese legal culture to the implementation of Sharia financial qanun with Islamic law analysis, 12(1), 109–122.
  5. Badan Pusat Statistik Kabupaten Aceh Tenggara. (2022). Aceh Tenggara dalam angka 2022. https://acehtenggarakab.bps.go.id/publication/2022/09/26/c1c4fef3feb33d3c5899bbf9/kabupaten-aceh-tenggara-dalam-angka-2022.html
  6. Bate’e, A. T., Septiani, D. L., Pradana, G., Krisanti, S. R., & Widodasih, R. W. K. (2024). Analisis studi kelayakan bisnis pada UMKM ditinjau dari aspek pasar dan pemasaran (Studi kasus Sop Ayam Pak Mim Klaten di Cikarang Selatan). Jurnal Masharif Al-Syariah: Jurnal Ekonomi dan Perbankan Syariah, 9(1), 221–235.
  7. Farhan, M., Kusumawardani, M., Soediro, A., & Patmawati, P. (2023). Peningkatan pemahaman lembaga keuangan mikro syariah pada pengurus masjid dan anggota Ikadi Kota Palembang. SELAPARANG: Jurnal Pengabdian Masyarakat Berkemajuan, 7(1), 396. https://doi.org/10.31764/jpmb.v7i1.13639
  8. Febriyani, D., & Mursidah, I. (2021). Ekonomi dan perbankan syariah di tengah era digital. Muamalatuna, 12(2), 1–14. https://doi.org/10.37035/mua.v12i2.3969
  9. Hakimi, F. (2024). Pre- and post-merger efficiency of Islamic state-owned bank: A case study of Bank Syariah Indonesia, 10(1), 471–490.
  10. Kasmir, S. E., & Jakfar, S. E. (2013). Studi kelayakan bisnis: Edisi revisi. https://books.google.co.id/books?id=oQRBDwAAQBAJ&lpg=PP1&hl=id&pg=PR4#v=onepage&q&f=false
  11. Otoritas Jasa Keuangan. (2023). Statistik perbankan syariah Desember 2022. https://www.ojk.go.id/id/kanal/syariah/data-dan-statistik/statistik-perbankan-syariah/default.aspx
  12. Putri, M. A., Hanida, T., Tarwisah, I. S., Wati, V., Maulana, Z. A., & Firmansyah, I. (2023). The influence of digital marketing, access to capital, and financial management on the competitiveness of MSMEs products in the regency/city of Tasikmalaya. Saudi Journal of Economics and Finance, 7(6), 300–306. https://doi.org/10.36348/sjef.2023.v07i06.003
  13. Rahma, R. Y., & Zulaikha, S. (2022). Pengaruh penggunaan M-payment, literasi keuangan syariah, locus of control terhadap perilaku keuangan. Jurnal Ekonomi Syariah Teori dan Terapan, 9(5), 747–759. https://doi.org/10.20473/vol9iss20225pp747-759
  14. Rofianti, D. T., Inayah, S. H., Nabila, L. N., Faza, M. E., Andni, R., & Anindya, S. (2023). Factors that affect the intention to use mobile banking in sharia banks. Sharia Oikonomia Law Journal, 1(2), 70–87. https://doi.org/10.55849/solj.v1i2.108
  15. Sari, W. P., Eprianti, N., & Nurrachmi, I. (n.d.). Pengaruh literasi keuangan syariah terhadap minat untuk produk deposito pada Bank Syariah Indonesia Kantor Cabang Garut, 103–111.
  16. Siregar, R. H., Syahbudi, M., & Harahap, M. I. (2021). Strategic enhancement of financial inclusion through Shariah-compliant fintech: A SWOT analysis of Bank Syariah Indonesia KCP Gunung Tua. Jurnal Ilmiah Mizani: Wacana Hukum, Ekonomi dan Keagamaan, 8(1), 195. https://doi.org/10.29300/mzn.v8i1.4845
  17. Sugiyanto, Yunani, A., Dewi, L. S., & S.P, M. A. A. (2023). Pemilihan lokasi terbaik untuk pembukaan kantor cabang: Studi kasus pada Bank X. Optimal: Jurnal Ekonomi dan Manajemen, 15(1), 99–109. https://publikasi.mercubuana.ac.id/index.php/oe/article/view/15854
  18. Tambunan, E. C., Enuh, K., Ubaidullah, U., & Tamba, M. (2022). Capital access for micro small medium enterprises. Jurnal Ekonomi dan Perbankan Syariah, 10(2), 148–158. https://doi.org/10.46899/jeps.v10i2.375
  19. Tanjung, A. F., & Syahriza, R. (2024). Marketing strategies of Sharia peer-to-peer lending fintech in enhancing Sharia financial inclusion: A case study of PT. Dana Syariah Indonesia. International Journal of…, 5(3), 1439–1448.