Data Analysis and Findings

Oct 13, 2025 by talynt.org 3 views

Introduction

In the rapidly growing Indonesian banking world, Islamic banks have emerged as a significant player despite facing a severe crisis in the past. One of the prominent Islamic banks that has strengthened its position in this industry is BPRS Puduarta Insani. This bank operates based on sharia principles and offers a profit-sharing system that is expected to attract the attention of the community, especially Muslim entrepreneurs. Thus, they can save funds in this Islamic bank. The primary objective of this study is to analyze the relationship between the amount of savings compiled with the amount of credit given by BPRS Puduarta Insani.

Background of the Study

The banking industry in Indonesia has experienced significant growth in recent years, with many Islamic banks emerging as a major player. BPRS Puduarta Insani is one of the prominent Islamic banks that has strengthened its position in this industry. The bank operates based on sharia principles and offers a profit-sharing system that is expected to attract the attention of the community, especially Muslim entrepreneurs. The bank's primary objective is to provide financial services to the community while adhering to sharia principles.

Methodology

This study employed a combination of field research, literature study, and correlation analysis to analyze the relationship between the amount of savings compiled with the amount of credit given by BPRS Puduarta Insani. The field research involved collecting data from various sources, including the bank's financial statements and customer data. The literature study involved reviewing existing research on Islamic banking and finance. The correlation analysis was used to measure the effect of the amount of savings on the accurate amount of credit.

Data Analysis and Findings

After collecting data from various sources and conducting analysis, the results show a positive relationship between the amount of savings compiled by BPRS Puduarta Insani with the amount of credit given. The higher the amount of savings, the greater the potential of the amount of credit that can be channeled. This illustrates that this Islamic bank has sufficient capital to provide credit to the public, which in turn can encourage the local economy.

The findings of this study also highlight the importance of good savings fund management in contributing to bank liquidity. When people believe more to save in Islamic banks, the bank has more funds that can be used to provide credit to customers in need. Therefore, it is essential for BPRS Puduarta Insani to continue to improve services to customers so that people are more interested in saving.

Suggestions for the Development of BPRS Puduarta Insani

Based on the findings above, some suggestions that can be applied by BPRS Puduarta Insani are as follows:

Improving the Financial Education Program

Education on Sharia Principles and Benefits of Saving in Islamic Banks can help the community understand the added value offered. This can be achieved through workshops, seminars, and other educational programs that can increase awareness and understanding of Islamic banking and finance.

Improving the Quality of Customer Services

Improvement of customer services can increase customer satisfaction and loyalty, so that people believe more to store funds. This can be achieved through training programs for customer service staff, improving communication channels, and providing better customer support.

Promotion of Savings and Credit Products

Conduct an attractive campaign regarding savings and credit products offered by BPRS Puduarta Insani can attract the interest of the public. This can be achieved through social media marketing, advertising, and other promotional activities that can increase awareness and understanding of the bank's products and services.

Conclusion

Through this study, it can be concluded that there is a positive relationship between the amount of savings and the amount of credit in BPRS Puduarta Insani. Therefore, strengthening of savings promotion programs and improving service quality is an important key so that this bank can continue to grow and make a significant contribution in the world of Islamic banking in Indonesia. With the right steps, BPRS Puduarta Insani has the potential to become one of the leading Islamic banks that can meet the needs of the community and contribute to the national economy.

Recommendations

Based on the findings of this study, the following recommendations are made:

BPRS Puduarta Insani should continue to improve its financial education program to increase awareness and understanding of Islamic banking and finance.
The bank should improve its customer service quality to increase customer satisfaction and loyalty.
The bank should conduct an attractive campaign regarding savings and credit products offered by BPRS Puduarta Insani to attract the interest of the public.

Limitations of the Study

This study has some limitations that should be noted. The study only analyzed the relationship between the amount of savings and the amount of credit in BPRS Puduarta Insani and did not consider other factors that may affect the relationship. Additionally, the study only used data from BPRS Puduarta Insani and did not compare the results with other Islamic banks.

Future Research Directions

Future research can build on the findings of this study by analyzing the relationship between the amount of savings and the amount of credit in other Islamic banks. Additionally, future research can explore other factors that may affect the relationship between the amount of savings and the amount of credit.

References

[List of references cited in the study]

Appendix

[Appendix containing additional data and information used in the study]

Q: What is the main objective of this study?

A: The main objective of this study is to analyze the relationship between the amount of savings compiled with the amount of credit given by BPRS Puduarta Insani.

Q: What methods were used in this study?

A: This study employed a combination of field research, literature study, and correlation analysis to analyze the relationship between the amount of savings compiled with the amount of credit given by BPRS Puduarta Insani.

Q: What are the findings of this study?

A: The findings of this study show a positive relationship between the amount of savings compiled by BPRS Puduarta Insani with the amount of credit given. The higher the amount of savings, the greater the potential of the amount of credit that can be channeled.

Q: What are the implications of this study?

A: The implications of this study are that BPRS Puduarta Insani has sufficient capital to provide credit to the public, which in turn can encourage the local economy. Additionally, good savings fund management contributes to bank liquidity, and therefore, it is essential for BPRS Puduarta Insani to continue to improve services to customers so that people are more interested in saving.

Q: What are the suggestions for the development of BPRS Puduarta Insani?

A: Based on the findings of this study, some suggestions that can be applied by BPRS Puduarta Insani are as follows:

Improving the financial education program to increase awareness and understanding of Islamic banking and finance.
Improving the quality of customer services to increase customer satisfaction and loyalty.
Conducting an attractive campaign regarding savings and credit products offered by BPRS Puduarta Insani to attract the interest of the public.

Q: What are the limitations of this study?

A: This study has some limitations that should be noted. The study only analyzed the relationship between the amount of savings and the amount of credit in BPRS Puduarta Insani and did not consider other factors that may affect the relationship. Additionally, the study only used data from BPRS Puduarta Insani and did not compare the results with other Islamic banks.

Q: What are the future research directions?

A: Future research can build on the findings of this study by analyzing the relationship between the amount of savings and the amount of credit in other Islamic banks. Additionally, future research can explore other factors that may affect the relationship between the amount of savings and the amount of credit.

Q: What are the benefits of this study?

A: The benefits of this study are that it provides insights into the relationship between the amount of savings and the amount of credit in BPRS Puduarta Insani, which can be used to improve the bank's services and products. Additionally, the study can contribute to the development of Islamic banking and finance in Indonesia.

Q: What are the recommendations for policymakers and regulators?

A: Based on the findings of this study, the following recommendations are made for policymakers and regulators:

Encourage Islamic banks to improve their financial education programs to increase awareness and understanding of Islamic banking and finance.
Encourage Islamic banks to improve their customer service quality to increase customer satisfaction and loyalty.
Encourage Islamic banks to conduct attractive campaigns regarding savings and credit products offered by the bank to attract the interest of the public.

Q: What are the recommendations for BPRS Puduarta Insani?

A: Based on the findings of this study, the following recommendations are made for BPRS Puduarta Insani:

Continue to improve its financial education program to increase awareness and understanding of Islamic banking and finance.
Improve its customer service quality to increase customer satisfaction and loyalty.
Conduct an attractive campaign regarding savings and credit products offered by BPRS Puduarta Insani to attract the interest of the public.

Q: What are the conclusions of this study?

A: Through this study, it can be concluded that there is a positive relationship between the amount of savings and the amount of credit in BPRS Puduarta Insani. Therefore, strengthening of savings promotion programs and improving service quality is an important key so that this bank can continue to grow and make a significant contribution in the world of Islamic banking in Indonesia. With the right steps, BPRS Puduarta Insani has the potential to become one of the leading Islamic banks that can meet the needs of the community and contribute to the national economy.