Open Journal Systems

SIMBOLISASI DAN IKONISASI: METODE ALTERNATIF MEMAHAMI ARABIC TERMS PADA PRODUK PERBANKAN SYARIAH

Hendri Hermawan Adinugraha

Abstract

Nowdays, the growth of Islamic banking have some obstacles such as a weakness of product innovation and product knowledge. Because many Islamic banking product used name of Arabic terms.  Both of which are very important be concerned to build up the competitiveness of Islamic banking in Indonesia. This study aims to provide an alternative method to make simplify the understanding of the Arabic terms on Islamic banking products using the symbols and icons to keep it simple and easily understood by the public (customers). The type of research that used in this study was library research category. The results of a literature review find that the urgency of product innovation by the Islamic banking stakeholder has been ideally matched with product knowledge, which were always labeled with Arabic terms. Symbolization could be an alternative method to facilitate the customer understanding on Arabic terms in Islamic banking products

Keywords


Symbols; Icons; Arabic terms; Islamic banking products

References


Ackermann, P.L.S. Jacobs, E, (2008), “Developing Banking Products for Islamic Corporate Clientele”, Southern African Business Review, Volume. 12, Number. 1.

Adawiyah, Nida Nusaibatul. Subaweh, Imam, (2013), “Analisis Pengaruh Pemahaman Ekonomi Syariah Terhadap Kolektabilitas pada Nasabah Lembaga Keuangan Syariah di Wilayah Depok”, E-JOURNAL, Jurusan Akuntansi, Fakultas Ekonomi, Universitas Gunadarma.

Ahmad, Khaliq. Rustam, Ghulam Ali. Dent, Michael M., (2011), “Brand Preference in Islamic Banking”, Journal of Islamic Marketing, Vol. 2, Iss. 1.

Ahmed, Habib, (2014), “Islamic Banking and Shari’ah, “Compliance: A Product Development Perspective”, Journal of Islamic Finance, Vol. 3 No. 2.

Al-Salem, Fouad H, (2009), “Islamic Financial Product Innovation”, International Journal of Islamic and Middle Eastern Finance and Management, Vol. 2 No. 3.

Alsted, Helle. Sondergaard. Harmsen, Hanne, (2007), “Using Market Information in Product Development”. Journal of Consumer Marketing, Vol. 24, Iss. 4.

Aris, Nooraslinda Abdul. Othman, Rohana. Azli, Rafidah Mohd. Sahri, Mardiyyah. Razak, Dzuljastri Abdul. Rahman, Zaharuddin Abdul, (2013), “Islamic Banking Products: Regulations, Issues and Challenges”, The Journal of Applied Business Research, Volume 29, Number 4.

Asytuti, Rinda, (2012), Kritik Terhadap Pemasaran Bank Syariah (Pendekatan Eksperiental Marketing), Jurnal Hukum Islam (JHI), Vol. 10, No. 1.

Azis, Muhammad, “Analisis Tingkat Pemahaman Nasabah Bank Syariah Terhadap Akad Murabahah”, http://lib.ui.ac.id/opac/ui/detail.jsp?id=20331763&lokasi=lokal , diakses pada tanggal 11 Januari 2017.

Barron, Nelda Spinks. Meche, Wells Melanie, (1999), “Netiquette: a Behavioral Guide to Electronic Business Communication”, Corporate Communications: An International Journal, Vol. 4, Iss. 3.

Blumer, Herbert, (1986), Symbolic Interactionism Perspective and Method, California: University of California Press.

Budiman, Kris, (2005), Ikonisitas: Semiotika Sastra dan Seni Visual, Yogyakarta: Buku Baik.

Chetwynd, Jonathan, (2008), “Communication with Symbols: from The Web to The Internet and Beyond”, Journal of Assistive Technologies, Vol. 2, Iss 3.

Danjuma, Ibrahim. Kumshe, Hauwa Modu. Daneji, Bashir Ahmad. Ibrahim, Abdullateef Kola, (2015), “Customers’ Perception of Non-interest Banking Services by Deposit Money Banks: Evidence from Nigeria”, Journal of Islamic Banking and Finance, Vol. 3, No. 2.

Darsono. Astiyah, Siti. Harisman. dkk, (2016), Perjalanan Perbankan Syariah di Indonesia Kelembagaan dan Kebijakan, serta Tantangan ke depan, Jakarta: Bank Indonesia.

Doraisamy, Barathy. Shanmugam, Arunagiri. Raman, Ravindran, (2011), “A Study on Consumers’ Perferences of Islamic Banking Products and Services in Sungai Petani”, Academic Research International, Volume 1, Issue 3.

Ghayad, Racha, (2008), “Corporate Governance and The Global Performance of Islamic Banks”, Humanomics, Vol. 24, No. 3.

Ghoni, Abdul, 2010, “Analisis Perbedaan Konasi Masyarakat Terhadap Penggunaan Arabic Terms dan Deskripsi Finance Scheme dalam Pemasaran Produk Bank Syariah: Studi Pada Masyarakat Kota Yogyakarta”, Tesis S2, Yogyakarta: Universitas Gadjah Mada.

Hakimah, Wan. Ibrahim, Wan. Ismail, Abdul Ghafar, (2015), “Conventional Bank and Islamic Banking as Institutions: Similarities and Differences”, Humanomics, Vol. 31, Iss. 3.

Hermawan, Budi, (2011), “Pengaruh Kualitas Produk Terhadap Kepuasan, Reputasi Merek dan Loyalitas Konsumen Jamu Tolak Angin PT. Sido Muncul”, Jurnal Manajemen Teori dan Terapan, Vol. 4, No. 2.

Heykal, Mohamad, (2014), “Analisis Tingkat Pemahaman KPR Syariah pada Bank Syariah di Indonesia: Studi Pendahuluan”, Binus Business Review, Vol. 5 No. 2.

http://bisniskeuangan.kompas.com/read/2015/03/11/095737926/Wapres.Minta.Bank.Syariah.Tak.Gunakan.Istilah.Arab, diakses pada 11 Januari 2017.

https://id.wikipedia.org/wiki/Daftar_kata_serapan_dari_bahasa_Arab_dalam_bahasa_Indonesia, diakses pada 11 Januari 2017.

https://m.tempo.co/read/news/2015/03/10/087648832/ini-cara-menteri-bambang-perkuat-perbankan-syariah, diakses pada 11 Januari 2017.

Ikhtisar Undang -Undang No. 21 Tahun 2008 Tentang Perbankan Syariah.

Iqbal, Munawar, (2013), “Islamic Finance: an Attractive New Way of Financial Intermediation”, International Journal of Banking and Finance, Volume. 10, Issue. 2.

Irshad, Madiha. Khan, Muhammad Rizwan. Yamin, Mahwish. Rizwan, Muhammad (2014), “Factors Influencing Adoption of Islamic Banking: A Study from Pakistan”, Journal of Public Administration and Governance, Vol. 4, No. 3.

Ismal, Rifki, Rice Haryati, (2013), ”The Optimal and Decreasing Growth Rate of The Islamic Banking Industry”, Qualitative Research in Financial Markets, Vol. 5, Iss. 3.

Jamil, Khoirul. Sinar, T. Silvana. Syarfina, T. Rangkuti, Rahmadsyah, (2015), “Acoustic Duration of Arabic Utterances Spoken by the Indonesian Learners of Arabic”, IOSR Journal Of Humanities And Social Science (IOSR-JHSS), Vol. 20, Iss. 11, Ver. I.

Kamarni, Neng, (2012), “Faktor-Faktor Yang Mempengaruhi Minat Masyarakat dalam Berhubungan Dengan Bank Syariah di Kota Padang”, Jurnal Manajemen dan Kewirausahaan, Volume 3, Nomor 1.

Kotler, Philip; Armstrong, Garry, (2008), Prinsip-Prinsip Pemasaran, Jilid 1, Jakarta: Erlangga.

_______, (2000), Manajemen Pemasaran, Edisi Mileinium. Jakarta : PT. Indeks Kelompok Gramedia.

Krismanto, Adi, (2009), “Analisis Faktor-Faktor yang Mempengaruhi Loyalitas Nasabah (Studi Kasus Pada PT. Bank Rakyat Indonesia Cabang Semarang Pattimura)”, Tesis S2, Semarang: Program Studi Magister Manajemen Program Pasca Sarjana Universitas Diponegoro.

Lubis, Lusiana Andriani dan Khasiah, Zikra, (2016), “Komunikasi Simbolik dalam Upacara Pernikahan Manjapuik Marapulai di Nagari Paninjauan Sumatera Barat”, Jurnal Komunikasi ASPIKOM, Vol. 2, No. 6.

Mulyana, Deddy, (2007), Komunikasi Suatu Pengantar, Bandung: Remaja Rosda Karya.

Mustofa, 2015, “Preferensi Dosen IAIN Sultan Amai Gorontalo Terhadap Perbankan Syariah di Gorontalo”, Jurnal Al- Buhuts, Vol. 11, No. 1.

Noor, Fahd. Sanrego, Yulizar Djamaludin, (2010), “Preferensi Masyarakat Pesantren Terhadap Bank Syariah (Studi Kasus DKI Jakarta)”, TAZKIA Islamic Business and Finance Review.

Nurbayan, Yayan, (2014), “Elaboration of Integrated Arabic Lesson For Increasing Expertness of Arabic Mastery of Islamic University Students”, Journal of Education and Learning, Vol.8, Iss. 4.

Oswald, Laura R, (2015), The Theory and Practice of Marketing Semiotics Research, United States of America: Oxford University Press.

Otoritas Jasa Keuangan, (2015), APA SIH iB (ai-Bi)...??, (Jakarta:Departemen Perbankan Syariah.

Otoritas Jasa Keuangan, (2016), Statistik Perbakan Syariah 2016, April Vol. 14, No. 05, Jakarta: Departemen Perizinan dan Informasi Perbankan.

Piliang, Yasraf Amir, (1999), Hiper-realitas Kebudayaan: Semiotika, Estetika, Posmodernisme, Bandung: LKIS.

Purnomo, Heru, Haryanto, (2010), “Analisis Preferensi Konsumen sebagai Dasar Penentuan Segmentasi di Perbankan Syariah (Studi Kasus PT Bank Muamalat Indonesia Cabang Solo)”, Jurnal Ekonomi dan Kewirausahaan, Vol. 10, No. 1.

Rahmawaty, Anita, (2014), “Pengaruh Persepsi Tentang Bank Syari’ah Terhadap Minat Menggunakan Produk di BNI Syari’ah Semarang”, Jurnal ADDIN, Vol. 8, No. 1.

Raho, Bernard, (2007) Teori Sosiologi Modern, Jakarta: Prestasi Pusaka.

Riswanto, Putra, P. Pebri, (2012), “The Use of Mind Mapping Strategy in The Teaching of Writing at SMAN 3 Bengkulu, Indonesia”, International Journal of Humanities and Social Science, Vol. 2, Iss. 21.

Robbani, Shofa, (2013), “Analisis Pemahaman Nasabah BNI Syariah Tentang Kesyariah’an BNI Syariah (Studi Kasus BNI Syariah Godean, Sleman, Yogyakarta)”, Jurnal EKONOMI ISLAM, Vol. 2, No. 1.

Salinan Peraturan Otoritas Jasa Keuangan Nomor 24/POJK.03/2015 Tentang Produk dan Aktivitas Bank Syariah dan Unit Usaha Syariah.

Santon, Andrea L, (2014), Islamic Emoticons Pious Sociability and Community Building in Online Muslim Communities, New York: Routledge.

Sartika, Mila. Adinugraha, Hendri Hermawan, (2013), “Konsep dan Implementasi Pengelolaan Dana Premi Unit Link Syari’ah”, Jurnal Asuransi dan Manajemen Resiko, Vol. 1, No. 2.

Sikri, Sanjeev Agarwal Sameer, (1996), “Country image: consumer evaluation of product category extensions”, International Marketing Review, Vol. 13, Iss 4.

Sobur, Alex, (2009), Semiotika komunikasi. Bandung: Remaja Karya Rosdakarya.

Soekamto, Sujono, (2001), Sosioligi Suatu Pengantar, Jakarta: Raja Grafindo Persada.

Sufian, Fadzlan. Kamarudin, Fakarudin, (2015), “Determinants of Revenue Efficiency of Islamic Banks”, International Journal of Islamic and Middle Eastern Finance and Management, Vol. 8, Iss. 1.

Suprapto, Tommy, (2009), Pengantar Teori dan Manajemen Komunikasi, Yogyakarta: Media Pressindo.

The Express Tribune, “Apple introduces ‘Islamic’ emojis”, http://tribune.com.pk/story/977591/apple-introduces-halal-emojis/, Published: October 23, 2015.

Tim Penyusun Pusat Bahasa, (2008), Kamus Bahasa Indonesia, Jakarta: Pusat Bahasa Departemen Pendidikan Nasional.

TP, (2016), Arabic in World Languages, Arab Saudi: Markas King Abdul Aziz.

Ullah, Karim, (2015), “Evolutionary Islamic Banking Service”, Journal of Islamic Banking and Finance, Vol. 3, No. 2.

Utomo, Hargo, “Pengembangan Produk Syariah”, Artikel, http://mm.feb.ugm.ac.id/index.php/en/management-thought-index/2924, diakses pada 11 Januari 2017.

Wahyuningsih, Diah. Sutristyaningtyas, Crisanty Titik. Oktavianti, Henny. (2014), “Analisis Prilaku Nasabah dalam Pembiayaan di Bank Syariah Mandiri”. Media Trend, Vol. 9, No. 1.

Wasimah, Faridatul, (2012), “Makna Simbol Tradisi Mudun Lemah”, Skripsi S1, UINSA.


Full Text: PDF (Bahasa Indonesia)

DOI: 10.21043/equilibrium.v5i1.2469

How To Cite This :



Copyright (c) 2017 Equilibrium: Jurnal Ekonomi Syariah

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