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MAKALAH
MANAJEMEN JASA BANK
Diajukan untuk memenuhi salah satu tugas terstruktur dalam mata kuliah
Manajemen Pemasaran Jasa Bank Syariah
Oleh:
1. Rahmat Hidayat : 3112. 062
2. Ori Mardo : 3112.069
Dosen Pembimbing
Io Sa!ri"a# SE.i# MM. Sy
J$R$SAN S%ARI&AH 'RO(RAM )III 'ERBANKAN S%ARI&AH
SEKOLAH *IN((I A(AMA ISLAM NE(ERI +S*AIN,
SJE-H M. )JAMIL )JAMBEK B$KI**IN((I
*AH$N 201 M/ 13 H
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KATA PENGANTAR
'i Syr ata4 !5rat rahmat Aah# 75"i4 da7at m5"y554aia" maaah
mata iah Ma"a5m5" '5ma4ara" Ja4a Ba" Syariah i"i d5"8a" t5ma 75m!aha4a"
m5"85"ai Ra"8 Li"87 Ma"a5m5" Ja4a Ba". '5"y554aia" arya i"i tida t5r57a4
dari !a"ta" ora"8ora"8 45itar 75"i4 ya"8 t5ah m5m!5ria" d"8a" mat5ri
ma7" "o" mat5ri !5r7a mori# 45hi"88a 7a"ta4ah 45ma 7iha t5r45!t
m5"da7ata" a7a" t5rima a4ih ya"8 !58it !54ar dari 75"i4.
S5mo8a d5"8a" maaah i"i# 75"i4 !5rhara7 75m!aa da7at m5"8am!i im
im ya"8 !5rma";aat "t m5"am!ah 75"85taha" m5"85"ai 758adaia". S5hi"88a
75"i4 da" 75m!aa da7at m5ma";aata" 5!5radaa"# 5"88a"5"88a" 45rta7rod da" a4a ya"8 dita
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DAFTAR ISI
Kata '5"8a"tar................................................................................................................i
)a;tar i4i..........................................................................................................................ii
BAB I 'EN)AH$L$AN...............................................................................................1
I. Latar B5aa"8..............................................................................................1
II. Rm4a" Ma4aah.........................................................................................1
BAB II R$AN( LIN(K$' MANAJEMEN JASA BANK
I. '5"85rtia" Ma"a5m5" Ja4a Ba".................................................................2
II. J5"i4 da" ="84i Ja4a Ba" daam Ra"8a
M5a"ara" *ra"4a4i '5rda8a"8a" da"
M5a"ara" '5r5dara" $a"8.......................................................................2
III. '5m!i"aa" da" '5"8a. Raha4ia Ba"................................................................................................?
>. Sa"4i Admi"i4trati;......................................................................................12
BAB III 'EN$*$'
A. K54im7a"...................................................................................................1B. Sara".............................................................................................................1
)a;tar '4taa
BAB I
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PENDAHULUAN
I. Laa! Bela"ang
)aam d"ia mod5r" 45ara"8 i"i# 75ra"a" 75r!a"a" daam m5maa" 75r5o"omia"
4at "58ara 4a"a8tah !54ar. Ham7ir 45ma 45tor ya"8 !5rh!"8a" d5"8a" !5r!a8ai
58iata" 5a"8a" 45a m5m!tha" a4a !a". O5h ar5"a it 4aat i"i da" di ma4a ya"8
aa" data"8 ita tida aa" da7t 57a4 dari d"ia 75r!a"a"# ia h5"da m5"aa"a"
atiita4 5a"8a"# !ai 75rora"8a" ma7" 5m!a8a# !ai 4o4ia ata 75r4ahaa".
Ba" 45!a8ai 5m!a8a 75"y5dia a4a 5a"8a" aa" 45mai" m5"domi"a4i 5hid7a"
ma"4ia t5rtama daam aita""ya d5"8a" 5o"omi da" !i4"i4 4at "58ara. Baha" atiita4
da" 5!5radaa" 75r!a"a" 4a"8at m5"5"ta" 5maa" 4at "58ara. Ba" daam
58iata""ya 45!a8ai 75"y5dia a4a 5a"8a" har4 m5miii atra"atra" m5"85"ai
o75ra4io"a# 7rod a4a# 5raha4iaa" 5m!a8a da" 75"8a
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BAB II
RUANG LINGKUP $ANA%E$EN %ASA BANK
I. Penge!ian $ana&emen %asa Ban"
M5"rt Kot5r# a4a m5r7aa"setiap tindakan atau kegiatan yang dapat ditawarkan
oleh satu pihak kepada pihak lain, pada dasarnya tidak berwujud dan tidak
mengakibatkan perpindahan kepemilikan apapun. Produksi jasa mungkin berkaitan
dengan produk fisik atau tidak. )5;5"i4i ai" a4a yait atiita4 5o"omi ya"8 ha4i"ya
tida m5r7aa" 7rod daam !5"t ;i4i ata o"4tr4i# ya"8 mm"ya dio"4m4i
7ada 4aat ya"8 4ama d5"8a"
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M5r7aa" 4im7a"a" 7ada !a" ya"8 75"aria""ya 454ai d5"8a" 75r4yarata"
ya"8 dit5ta7a" o5h !a" 4575rti d5"8a" m5"88"aa" ! ta!"8a"# 4i7
75"aria"# ita"4i ata art A""8a" *"ai Ma"diri +A*M,.
3. Sim7a"a" )57o4ito +#ime Deposit,
)57o4ito m5r7aa" 4im7a"a" ya"8 m5miii a"8a
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t5rt5"t. S5ai" it 8a m5a"ara" ar4 da"a daam ma4yaraat ar5"a aa"
m5"i"8ata" daya !5i daam ma4yaraat 45ara a"84"8 ma7" tida a"84"8
4575rti daam r5dit o"4m4i.
-. La Li"ta4 '5m!ayara"
1. '5"8irima" a"8 +transfer,
'5"8irima" a"8 adaah 4aah 4at 75aya"a" !a" 57ada ma4yaraat d5"8a"
!5r45dia m5a4a"aa" ama"at "a4a!ah "t m5"8irima" 45mah a"8# !ai
daam r7iah ma7" daam ata a4i"8 ya"8 dita" 57ada 7iha ai" di
t5m7at ai".
Ma";aat 75"8irima" a"8 m5ai !a" adaah:
a. M5m!a"t 5a"ara" tra"4a4i 75rda8a"8a"# !ai daam ma7" ar "585ri!. M5m!a"t 75a4a"aa" 75m!ayara" mm ai""ya 4575rti a"8 45oah# a"8
iah# d
. Na4a!ah tida 75r a8i m5m!a
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didaam"ya 57ada ora"8 ya"8 ta"da ta"8a""ya t5rt5ra 7ada *ra55rC4 -h5
t5r45!t. Kar5"a *ra55rC4 -h54a"8at mdah di!aata A4i"8
*ra"4a4i ata a4i"8 adaah tra"4a4i a !5i ata a4i"8 atara da !a" ata
5!ih d5"8a" t5m7at 5dda" ya"8 !5r!5da d5"8a" ta"88a tra"4a4i dima"a
a !5i a"tarmata a"8 diaa" d5"8a" mah da" har8a ya"8 di457aati# 45rta
m5"5ta7a" ta"88a 75"y5raha".6
6. M5"di4o"to
M5"di4o"to diartia" 75"8ra"8a" ata4 hta"8 ata ta8iha" t5rt5"t.
. *le!troni! money +e%money*%money M5"rt '5ratra" Ba" I"do"54ia No.11/12/'BI/2009 t5"ta"8 $a"8
E5tro"i adaah aat 75m!ayara" ya"8 m5m5"hi "4r"4r 45!a8ai !5rit:
dit5r!ita" ata4 da4ar "iai a"8 ya"8 di45tor t5r5!ih dah o5h 75m58a"8
57ada 75"5r!it dima"a "iai a"8 di4im7a" 45ara 55tro"i daam 4at m5dia
4575rtiserverata!hipya"8 di8"aa" 45!a8ai aat 75m!ayara" 57ada 75da8a"8
ya"8 !a" 75"5r!it a"8 55tro"i t5r45!t# da" "iai a"8 55tro"i ya"8
di45tor o5h 75m58a"8 da" di5oa o5h 75"5r!it !a" m5r7aa" 4im7a"a"
45!a8aima"a dima4da" daam "da"8"da"8 ya"8 m5"8atr m5"85"ai
75r!a"a".
III.Pembinaan 'an Penga)asan Ban"
A. '5"8a5itha Riai# d#Bank and inan!ial "nstitution Management# FF.# hm. 6137 Ia7t5ra Ga47ada# '5r57ata" Ado74i Si4t5m *ra"4a4i *5"oo8i I";orma4i $"t M5"i"8ata"
A454i!iita4 Laya"a" Ja4a '5r!a"a"# 2012# Jurnal (euangan dan Perbankan -ol./ +e%journal,
htt7://r!a".;i54.
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$"t 5ra"8a 75"8a
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Ba" I"do"54ia. '5m!i"aa" di 4i"i adaah 7aya7aya ya"8 diaa" d5"8a" ara
m5"5ta7a" 75ratra" ya"8 m5"ya"8t a475 55m!a8aa"# 575miia"#
575"8r4a"# 58iata" 4aha# 75a7ora" 45rta a475 ai" ya"8 !5rh!"8a" d5"8a"
58iata" o75ra4io"a !a". S5da"8a" 75"8a
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ar5"a it# m" !5!5ra7a 5
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)aam ha 5adaa" 4at !a" m5"rt 75"iaia" BI m5m!ahayaa" 5a"84"8a"
4aha"ya da" ata 4i4t5m 75r!a"a" ata m5"adi 54ita" 75r!a"a" ya"8
m5m!ahayaa" 75r5o"omia" "a4io"a# BI da7at m5aa" ti"daa" 45!a8aima"a
ya"8 t5ah diatr o5h "da"8"da"8 ya"8 !5ra
S5ara o"457 5!iaa" maro7d5"tia m5"8a"d"8 ti8a ma"a yait: 1,
maro7rd5"tia a"ay4i4 2, maro7rd5"tia 475ri4io" a77roah da" 3,
maro7rd5"tia r58atio". Maro7rd5"tia 45"diri !5m m5miii d5;i"i4i ya"8
dit5rima 45ara mm. Maro7rd5"tia m5m;o4a" a"ai4i4"ya 7ada 4i4t5m
5a"8a" 45ara m5"y5rh yait d5"8a" m5m75rhatia" ya"8 t5radi di !ai 4at
5adia"# !ai ya"8 diai!ata" o5h ;ator i"t5r"a ma7" ;ator 54t5r"a. A"ai4i4
maro7rd5"tia !5m m5"adi maro7rd5"tia 475ri4io" 45!5m ha4i a"ai4i4
t5r45!t di8"aa" "t m5m75"8arhi 75ria 75r4ahaa". Jia ha4i a"ai4i4
t5r45!t !5r4i;at him!aa"# maa ha4i a"ai4i4 t5r45!t di45!t d5"8a" 4o;t a< ata
4o;t maro7rd5"tia 475ri4io".
*a" da4ar maro7rd5"tia 475ri4io" m5"85m!a"8a" 75"d5ata" 475ri4i
ya"8 di;o4a" 7ada 4ta!iita4 4i4t5m 5a"8a". S5ara 5!ih 7rati4#
maro7rd5"tia 475ri4io" m5i!ata" 58iata" mo"itori"8 ri4io 4i4t5mi da"
4585ra m5ra"a"8 a"8ah 75"8a
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75"8a
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S5a ta"88a 31 )545m!5r 2012# ;"84i# t8a4 da"
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75"i"8ata" a"ta!iita4# i"d575"d5"4i# tra"47ara"4i# da" r5di!iita4 BI. Ma4d
dari 75"8a
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"58ara 75"8a"t t5ori i"i 575"ti"8a" "a4a!ah 4a"8at dihormati 45hi"88a
t5rada"8 m5"omordaa" 575"ti"8a" "58ara da" ma4yaraat a4.
2. *5ori Raha4ia Ba" B5r4i;at Ni4!i
*5ori raha4ia !a" ya"8 !5r4i;at "i4!i ata r5ati; i"i 4tr m5m!5ria" ra"8 !a8i
!a" "t m5m!a raha4ia ata 5t5ra"8a"5t5ra"8a" m5"85"ai "a4a!ah"ya
a7a!ia m5ma"8 ada 5adaa" ya"8 m5"d54a m5""tt "t it# a"tara ai"
adaah "t 575"ti"8a" "58ara. *5ori i"i !a"ya dia"t o5h "58ara"58ara di
d"ia daam 4i4t5m 75r!a"a" m5r5a. Raha4ia !a" har4 t5ta7 dia4a"aa"
t5ta7i 7ri"4i7 t5r45!t 45ara hm tida t5ra 4it "t dit5ro!o4. Ada
75"85aia" ya"8 har4 di758a"8 7a di4am7i"8 ada"ya t"tta" 75a4a"aa"raha4ia !a" 45ara o"4i4t5" da" !5rta"88"8 a
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d. 'iha ya"8 m5"rt 75"iaia" Ba" I"do"54ia trt 45rta m5m75"8arhi
75"85oaa" !a"# a"tara ai" 75m58a"8 4aham da" 5ar8a"ya# 5ar8a
omi4ari4# 5ar8a 75"8a
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t5rti4 dari 57aa 57oi4ia" R57!i I"do"54ia# Ja4a A8"8# ata K5ta
Mahamah A8"8. '5m!5ria" ii" o5h Ba" I"do"54ia har4 diaa" 45am!at
am!at"ya 1 hari 45t5ah dom5" 75rmi"taa" dit5rima 45ara 5"8a7.
'5rmi"taa" t5rti4 t5r45!t har4 m5"y5!t "ama da" a!ata" 7oi4# a4a# ata
haim# "ama t5r4a"8a ata t5rda
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. )aam ha "a4a!ah 75"yim7a" t5ah m5"i"88a d"ia
A7a!ia "a4a!ah 75"yim7a" t5ah m5"i"88a d"ia# maa ahi
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'5"5ta7a" 4a"4i4a"4i admi"i4trati; 8a diatr daam 75ratra"75ratra" ya"8
di5ara" Ba" I"do"54ia 4575rti 7ada '5ratra" Ba" I"do"54ia Nomor
11/2/'BI/2009 d5"8a" t5ta7 m5"8a 7ada $"da"8$"da"8.
BAB III
PENUTUP
I. Kesim,#lan
Ja4aa4a !a" ya"8 di45!iaa" !a" a"tara ai":
. '5"8irima" a"8 +transfer,
0. I"a4o&. $etter of 'redit
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2. R7iah *ra55rC4 -h5
9. Bank )ote
/. Kart r5dit8. Ba" (ara"4i
:. *ra"4a4i >ata A4i"8
;. M5"di4o"to
1. *le!troni! money +e%money
K545ma a4a ya"8 di!5ria" har4 !5rada di !a
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htt7://
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