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Memenangkan Pasar Pembiayaan: Studi Kasus Strategi Bisnis PT. Armada Finance di Makassar

ETNOSIA : Jurnal Etnografi Indonesia · Vol. 2 No. 1 (2017) · hlm. 55–73

DOI
10.31947/etnosia.v2i1.2955
ISSN
2548-9747, 2527-9319
Terbit
2017-11-30
Penerbit
Department of Anthropology, Faculty of Social and Political Sciences, Hasanuddin University.
Bahasa
en

Abstrak

With the proliferation of finance companies, companies are always trying to be existed in the middle of business competition through various strategies to win the market without violating the relevant government regulation. This article aims to explore how to deal with financing breach agreement, the existing strategies applied by the company, and how these are related to the regulation of Bank Indonesia. The research findings indicate that as a profit organisation, PT. Armada Finance, apllies syariah principle on the basis of murabahah without violating the regulation of Bank Indonesia. Despite the fact that the transaction between the company and the customers is always pursued in accordance with the rules, in case of breach agreement which includes default, transfer of warranty, emblezzment of collateral, the completion is adjusted with the type of deviation and the risk resulted toward the company, without neglecting Islamic business ethics, as one of the uniqueness of this finance company. Various strategies have been applied by the company, not only those established institutionally, but also on the basis of individual creativity, and they are complementary in practice. As finance company is mushrooming and becomes more competitive, breakthrough related to strategies should always be improved and are in accordance with marke needs.

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  • Telkom University
  • Institut Agama Islam Negeri Kendari
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  • Organisasi berbeda
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Rekan penulisOrganisasiArtikel bersama
Hardiyanti MunsiAfiliasi tidak diketahui2
Pawennari HijjangAfiliasi tidak diketahui2
Jayana Suryana KembaraAfiliasi tidak diketahui1
Sumarto M. LaluAfiliasi tidak diketahui1
Wahyu ChandraAfiliasi tidak diketahui1
Rahmat YasimAfiliasi tidak diketahui1
Munsi LampeAfiliasi tidak diketahui1
St. NurhalizaAfiliasi tidak diketahui1
Ingke Ananda AriefAfiliasi tidak diketahui1
Rezqytha Widya Sari RakhmatAfiliasi tidak diketahui1
Erika PutriAfiliasi tidak diketahui1
Armin Nur FajarAfiliasi tidak diketahui1
Moh. Alief SuryabahriAfiliasi tidak diketahui1
Rafdi Yudha JonaidiAfiliasi tidak diketahui1
Arif AdityaAfiliasi tidak diketahui1
Hasmawati HasmawatiTelkom University1
Loeky HaryantoAfiliasi tidak diketahui1
Jumardi LantaAfiliasi tidak diketahui1
Andi Batara Al IsraAfiliasi tidak diketahui1
Ananda Sari MunardiAfiliasi tidak diketahui1
Mulyadi MulyadiAfiliasi tidak diketahui1
Ridwan NurdinAfiliasi tidak diketahui1
Mualimul HudaAfiliasi tidak diketahui1
Cut Nyak MarlinaAfiliasi tidak diketahui1
Rinda Puspita SariAfiliasi tidak diketahui1
Marzuki MarzukiInstitut Agama Islam Negeri Kendari1
Teuku ZulkhairiAfiliasi tidak diketahui1
Saifullah SaifullahAfiliasi tidak diketahui1
Ibnu HajarAfiliasi tidak diketahui1
Ismail DarimiAfiliasi tidak diketahui1
Irman SiswantoAfiliasi tidak diketahui1

Afiliasi berasal dari OpenAlex; metadata OAI-PMH jurnal tidak memuatnya. Penulis tanpa ID OpenAlex dicocokkan berdasarkan nama, sehingga dua orang bisa tergabung atau satu orang bisa terpisah.

Sumber metadata: OAI-PMH (metadata jurnal) https://journal.unhas.ac.id/index.php/etnosia/oai, pertama di-harvest 5 Nov 2026, terakhir terlihat 5 Nov 2026.
Metadata asli (oai_dc) 
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	<dc:title xml:lang="en">Memenangkan Pasar Pembiayaan: Studi Kasus Strategi Bisnis PT. Armada Finance  di Makassar</dc:title>
	<dc:creator xml:lang="en">Safriadi, Safriadi -</dc:creator>
	<dc:subject xml:lang="en">Corporate culture</dc:subject>
	<dc:subject xml:lang="en">finance company</dc:subject>
	<dc:subject xml:lang="en">strategy</dc:subject>
	<dc:subject xml:lang="en">syariah</dc:subject>
	<dc:subject xml:lang="en">murabahah</dc:subject>
	<dc:subject xml:lang="en">institutional</dc:subject>
	<dc:subject xml:lang="en">creativity</dc:subject>
	<dc:description xml:lang="en">With the proliferation of finance companies, companies are always trying to be existed in the middle of business competition through various strategies to win the market without violating the relevant government regulation. This article aims to explore how to deal with financing breach agreement, the existing strategies applied by the company, and how these are related to the regulation of Bank Indonesia. The research findings indicate that as a profit organisation, PT. Armada Finance, apllies syariah principle on the basis of murabahah without violating the regulation of Bank Indonesia. Despite the fact that the transaction between the company and the customers is always pursued in accordance with the rules, in case of breach agreement which includes default, transfer of warranty, emblezzment of collateral, the completion is adjusted with the type of deviation and the risk resulted toward the company, without neglecting Islamic business ethics, as one of the uniqueness of this finance company. Various strategies have been applied by the company, not only those established institutionally, but also on the basis of individual creativity, and they are complementary in practice. As finance company is mushrooming and becomes more competitive, breakthrough related to strategies should always be improved and are in accordance with marke needs.</dc:description>
	<dc:publisher xml:lang="en">Department of Anthropology, Faculty of Social and Political Sciences, Hasanuddin University.</dc:publisher>
	<dc:date>2017-11-30</dc:date>
	<dc:type>info:eu-repo/semantics/article</dc:type>
	<dc:type>info:eu-repo/semantics/publishedVersion</dc:type>
	<dc:format>application/pdf</dc:format>
	<dc:identifier>https://journal.unhas.ac.id/index.php/etnosia/article/view/2955</dc:identifier>
	<dc:identifier>10.31947/etnosia.v2i1.2955</dc:identifier>
	<dc:source xml:lang="en">ETNOSIA : Jurnal Etnografi Indonesia; Vol. 2 No. 1 (2017); 55-73</dc:source>
	<dc:source>2548-9747</dc:source>
	<dc:source>2527-9319</dc:source>
	<dc:source>10.31947/etnosia.v2i1</dc:source>
	<dc:language>en</dc:language>
	<dc:relation>https://journal.unhas.ac.id/index.php/etnosia/article/view/2955/1530</dc:relation>
	<dc:rights xml:lang="en">Copyright (c) 2017 ETNOSIA : Jurnal Etnografi Indonesia</dc:rights>
</oai_dc:dc>