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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) · pp. 55–73

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

Abstract

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.

Keywords

Collaboration network of the authors

20 authors · 60 co-authorship links

Hover or tap a name to highlight its co-authors. Double-click to open the author's page.

  • Telkom University
  • Affiliation unknown
  • Different organisations
  • Same organisation
  • Affiliation unknown
  • Thicker line = more joint articles · bigger circle = more articles
Show as table
Co-authorOrganisationJoint articles
Hardiyanti MunsiAffiliation unknown2
Pawennari HijjangAffiliation unknown2
Jayana Suryana KembaraAffiliation unknown1
Sumarto M. LaluAffiliation unknown1
Wahyu ChandraAffiliation unknown1
Rahmat YasimAffiliation unknown1
Munsi LampeAffiliation unknown1
St. NurhalizaAffiliation unknown1
Ingke Ananda AriefAffiliation unknown1
Rezqytha Widya Sari RakhmatAffiliation unknown1
Erika PutriAffiliation unknown1
Armin Nur FajarAffiliation unknown1
Moh. Alief SuryabahriAffiliation unknown1
Rafdi Yudha JonaidiAffiliation unknown1
Arif AdityaAffiliation unknown1
Hasmawati HasmawatiTelkom University1
Loeky HaryantoAffiliation unknown1
Jumardi LantaAffiliation unknown1
Andi Batara Al IsraAffiliation unknown1

Affiliations come from OpenAlex; journal OAI-PMH metadata carries none. Authors without an OpenAlex ID are matched by name, which can merge or split people.

Metadata source: OAI-PMH (metadata jurnal) https://journal.unhas.ac.id/index.php/etnosia/oai, first harvested 5 Nov 2026, last seen 5 Nov 2026.
Original metadata (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>