Posted: June 13th, 2022

Practicum

accountingFinance
ATTACHED FILE(S)
BKAX4912 PRACTICUM
BACHELOR OF ACCOUNTANCY
BAcct (Hons)
REPORT WRITING GUIDELINE
“To succeed is the ability to know what you want and how to get it”
1
TABLE OF CONTENTS
TABLE OF CONTENTS 2
1.0 INTRODUCTION 3
2.0 REPORT 3
3.0 REPORT WRITING GUIDELINES 5
4.0 ASSESSMENT OF PRACTICUM 9
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10
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1.0 INTRODUCTION
Students of BAcct (Hons) program that have pursued practical training are required to write and submit a report. This report is a major vehicle for them to communicate what they have learnt and experienced during the practicum. Students are expected to be able to demonstrate some understanding of the existing knowledge in the subject matters, as well as to analyze and to discuss the subject matters well by relating them to the existing knowledge and interpreting their significance and contributions to the organisations. The aim of this set of guidelines is to provide students with some help towards producing a meaningful report on their practical training. In preparing this report, students are subject to “Akta Dan Peraturan Kecurangan Akademik, Perenggan 12 Akta UUM (Peperiksaan) 1988”.
2.0 REPORT
With the aim to provide flexibility in report preparation, students are given the options to produce any one of the following report types, namely:
1. Specific Issues on Practicum Company
2. Evaluation of the System/Internal Control
3. Evaluation of Specific Accounting Procedure
DESCRIPTION OF REPORT TYPES
1. Specific Issues on Practicum Company
Individuals or organisations can be a good source for developing problem- solving types of study or for writing a unique case study. For this kind of report writing, students need to identify any significant problem(s) faced by the organisation, its employees or its clients.
Some of the possible issues to be examined:
The extent of application of accounting treatments (methods, tools, techniques and concepts). This would allow students to examine whether what they have learnt theoretically in the classroom are being practiced by the organisation, and to find out what the best practices are.
Issues related to employee perception on specific issues e.g. paperless auditing, importance of internal control, computer-based accounting system, users’ satisfaction on computerised system etc.
Types of audit report issued to clients, investigation on the use of computerised audit procedure etc.
Problem(s) encountered while performing audit procedure, preparing
client’s account etc.
2. Evaluation of the System/Internal Control
For this type of report, students are expected to examine any existing organisational procedures (manual or computerised system) e.g. the sales system, expenditure system, fixed assets system, payroll system, loan processing procedure, etc.
Students are expected to be able to document the company’s business processes, to use internal control knowledge to evaluate strength and possible weaknesses of selected procedures. Besides that, students might be able to observe the implementation of internal control procedures in practice.
Specific requirements of this type of report are to:
provide narrative/description of the selected system (by identifying the activities, the person(s) participating in the activities, the documents and records maintained by the company and the control procedures applicable to the system),
prepare the document flowchart or the system flowchart in order to illustrate the process using simplified technique,
evaluate the strengths and the possible weaknesses of the existing system, and
provide recommendation for further improvement (if applicable).
This type of report generally requires a good understanding of the company’s
accounting information systems and its internal control procedures.
3. Evaluation of the Specific Accounting Procedure
This type of report requires students to examine and describe specific procedure. In addition, students are expected to highlight the standards/regulations/acts enforced; to examine the documents, which are related to the process; and to prepare work flow diagram indicating the process flow. Examples of this type of study are the auditing procedures for specialised businesses (e.g. banking, insurance etc); the procedures on company’s liquidation, and the conduct of the annual general meeting / extraordinary general meeting etc.
Specific requirements of this type of report are to:
provide detailed explanation of the procedures, relating them to the acts/standards and documents that are applicable to the chosen procedures,
prepare diagram/workflow diagram in order to summarise the whole procedures for better user understanding,
provide critical discussion/analysis of the findings on the selected procedures, and
provide supplementary materials e.g. a copy of relevant documents.
Note:
· It is advisable for students to get the oral or written consent from the organisation prior to obtaining confidential case materials. Alternatively, students may disguise some aspects of the case material so that neither the subject nor those who know the subject are identifiable.
· Students are advised to consult with their UUM supervisors and get their approval on the topic/case chosen before writing the report.
3.0 REPORT WRITING GUIDELINES
General report guidelines are as follows:
a. Report should be written in English between 30 to 50 printed pages (excluding appendices).
b. Use ‘Times New Roman’ of size 12 for font specifications.
c. Topics and subtopics should be indented consistently throughout the report. Numbering format may also be applied to topics and subtopics in a consistent way.
d. Use 1.5 spacing in the main text.
e. Page numbering begins on introduction page.
f. Use A4 size paper (210 mm x 297 mm or 8.27” x 11.69”).
g. Cover page must be a plain paper (no design) of light blue color.
h. Report should be fixed binding (comb binding is acceptable).
Note:
A soft copy of the report in CD format must be submitted together with the printed report.
A report must be organised in such a way that makes it presentable and readable. The suggested arrangement for this practicum report is as follows:
1. Cover and Topic Page
Cover page
Topic page
(
[TOPIC]
[NAME OF THE PRACTICUM ORGANISATION]

[CITY

AND

STATE

OF

THE

ORGANISATION]
)
2. Acknowledgement
This section should be brief, condensed and may contain the expression of appreciation to all parties, individuals or organisation, who have assisted, financed, contributed or supported you in carrying out the study.
3. Disclaimer
A disclaimer is to be disclosed and signed by students to acknowledge that students will take full responsibility for the content of their reports and that the reports were truly prepared by them. Students are required to include the following disclaimer in the report:
(
DISCLAIMER
This practicum report

is submitted to the

Tunku Puteri Intan Safinaz

School

of

Accountancy

(TISSA-UUM),

Universiti

Utara

Malaysia

in

partial

fulfilment

of

the

requirement

for

the

degree

of

Bachelor
,

Universiti

Utara

Malaysia.
I, the undersigned, shall be responsible for the accuracy of all opinion,

technical

comment,

factual

report,

data,

figures,

illustrations

and

photographs

in

this

report.

I

bear

full

responsibility

for

checking

whether
the material submitted is subject to the copyright or ownership

rights.
Name
:
Matric

No
:
Signature
:
Date
:
)
4. A b s t r a c t
An abstract is a comprehensive summary of the contents of the report, which enables readers to survey the contents of the report quickly. It should be brief, readable, accurate, concise, and correctly reflect the purpose and content of the report. Abstract should not exceed 200 words. Please avoid using abbreviations and acronyms. Abstract should include important information, such as: problem statement, purpose, methods, key concepts, major findings and conclusions. It should be written in active voice, using the third person, rather than the first person.
5. Table of Contents
List of the contents should be arranged in sequence to show the topics and appropriate subtopics with reference to their page numbers in the main text.
6. Lists of Tables, Figures an d Diagrams
The lists contain the exact titles of tables, figures or diagrams as they appear in the text. They are to be numbered in a consistent way. Title, number and page number of each table, figure and diagram is to be disclosed in the list.
7. Main Text
In the body of the report, students must introduce the problem or case to be studied, emphasising on its significance and outlining the objectives of the study. Further discussion on how the study was carried out until possible solutions are recommended and should be divided into several sections. The description of the section is as follows:
7.1 Introduction and Background of Study
Some relevant discussions in this section are:
A brief description of the practicum company, which includes (among others): the company profiles, the nature of business, the number of employees etc.
A one-page introduction on the training that the students have undergone during their practicum training
The background of the subject matter (problem/ case/ accounting method) chosen.
A general statement to express the intention or the purpose of the study or investigation. This should be made in the closing paragraph of the introduction.
7.2 Objective
In this section, students should explain what they intend to achieve by conducting the study. Students may list down a few objectives. Alternatively, students can also pose the objectives as a set of research questions, which would satisfy the requirements of the objectives, and develop feasible answers to the questions. This section is extremely important because at the end of the study, its value is assessed based on whether the objectives have been achieved. Students may also describe the scope of their study or investigation as needed in this section.
7.3 Methodology
In this section, students should describe how the study or investigation has been completed and from where the data was gathered. These may include an explanation on the methods used, types of data collected and how the data was analyzed. The methods used could be survey (using questionnaire), interviews, and case study or archival data collection.
7.4 Discussion
In this section, students need to report the results of their study or investigation. Related tables, charts, workflow diagrams or flowcharts are expected to be integrated in this section.
7.5 Conclusion and Recommendation
Finally, students need to conclude their study in this section and to provide recommendations (if applicable).
8. Reference List
Details of all references, acts or accounting standards that students have used in order to complete their study must be disclosed after the main text. The citation of each reference in the main text as well as in the reference list should be consistent. You may refer to American Psychology Association (APA) reference style
(http://www.apastyle.org/)
.
9. A p p e n d i c es
Supporting documents, forms, questionnaire and other significant materials to support the report are to be disclosed in this section. Resize the material to fit into the report to make it tidier and more manageable.
In summary, the practicum report should have the above components and follow the suggested format and guidelines. Students may contact their respective UUM supervisors to find out more or to clear up any confusion or query.
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UNIVERSITI UTARA MALAYSIA
TUNKU PUTERI INTAN SAFINAZ SCHOOL OF ACCOUNTANCY
(TISSA-UUM)

PRACTICUM REPORT
SECOND SEMESTER SESSION 2020/2021 (A202)

THE EFFECTIVENESS OF VCARD IMPLEMENTATION ON PROHAJJ
MARKETING AND SALES AT BANK MUAMALAT INDONESIA: THE CASE OF
KOTABUMI SUBBRANCH

ALGHOZALI NUR AZIZAH
252469

THE EFFECTIVENESS OF VCARD IMPLEMENTATION ON PROHAJJ
MARKETING AND SALES AT BANK MUAMALAT INDONESIA: THE CASE OF
KOTABUMI SUBBRANCH

PT BANK MUAMALAT INDONESIA TBK

JL. JENDRAL SUDIRMAN LINGKUNGAN 6 RT.001/RW.006, KOTABUMI,
LAMPUNG UTARA, LAMPUNG, INDONESIA

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COPYRIGHT DECLARATION

All rights reserved. Not be reproduced and or make copies of any part of the chapter, illustrations
and contents of the Industrial Training Report in any form or means whether electronic,
mechanical, recording or otherwise without the prior written permission of the Dean of Tunku
Intan Safinaz School of Accountancy (TISSA), College of Business (COB), University Utara
Malaysia (UUM).

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ACKNOWLEDGEMENT
I would like to take this opportunity to acknowledge everyone who have assisted me in
preparation of this report. First praise is to Allah SWT the God Almighty, for whom we always
depend on guidance to and as I am finally able to undergo my internship within the time. From
the bottom of my heart, I would like to express my gratitude to the ones who always there for
me, my beloved parents Admadi Nurimam Ghozali and Suyirotin Nujaimah who always give me
support mentally, physically and also financially. Also not forget big thanks to my siblings
Wisyahatun Nurrohmah Al Ghozali, Abdurrohman Yusuf Al Ghozali, Ahmad Faruq Al Ghozali,
and Muhammad Abdul Aziz Al Ghozali who always be my reasons to become stronger.
I would like to express my appreciation to my report supervisor of UUM, Dr Rokiah Bt Ishak for
her valuable advice and guidelines. I would also like to express my big respect to my
organization’s supervisor of PT Bank Muamalat Indonesia Sub Branch Kotabumi, Mr Ahmad
Azwar for the guidance and knowledge he shares to me to complete my practicum and this
research. I also indebted to Miss Dhea Vita Lestari who has been very welcome to me since my
first day and guide me everything from the beginning. I wish to thank all officemates Halimah,
Wahyu Setya Nugraha, Januar Suwansyah, Putri Patricia, Rinaldy, Marwanto, Jupri, and Nur
Malik who are directly or indirectly had helped me throughout this practicum period.
Last but not least, the award is also addressed to all the staffs of Tunku Intan Safinaz School of
Accountancy (TISSA) for the thoughtful toleration and time given for us to complete this project
while considering our situation in this tough time. Special thanks, tribute and appreciation to all
my Universiti Utara Malaysia friends for their support for these past 4 years and all those their
names do not appear here who have contributed to the successful completion of this practicum.

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DISCLAIMER

This practicum report is submitted to the Tunku Intan Safinaz School of Accountancy (TISSA-
UUM), University Utara Malaysia in partial fulfillment of the requirement for the degree of
Bachelor of Accounting (Hons), University Utara Malaysia.
I, the undersigned, shall be responsible for the accuracy of all opinion, technical comment,
factual report, data, figures, illustrations and photographs in this report. I bear full responsibility
for checking whether the material submitted is subject to the copyright or ownership rights.
Name: Nur Azizah Al Ghozali
Matric No : 252469
Signature :

Date: 15th March 2022

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ABSTRACT
The motivation of this paper is to response to the problem that exist at PT Bank Muamalat
Indonesia Kotabumi Subbranch which is unachieved target marketing sales of Customer Service
staff and Relationship Manager for the Prohajj product, a hajj bridging fund product in Bank
Muamalat Indonesia. This paper aims to examine whether implementing of Vcard Blast contact
saving strategy could be a solution to this problem and lead to higher revenue earned from
Prohajj product, due to lower operational cost and less time consuming.
The student create Vcard file for the employees for half-period of practicum, and prepare
portfolio in the form of tutorial video and notes to guide the employee continue applying Vcard
strategy after the practicum training finish. The student uses qualitative data collection by
interview and interact with the CS , RM, SBOS and SBM to gather quantitative (numerical) data
in the form of monthly marketing target/leads target achievement for Prohajj product, the data of
customers who apply for Prohajj product and customers who succeed to book hajj portion
through Prohajj product. The qualitative data collection method of observation also used to
gather information about factors that could improve the productivity of Prohajj product other
than Vcard file implementation. The numerical data collected are organized monthly to ease the
student to compare the performance of Prohajj product marketing achievement before and after
Vcard blast contact saving strategy implemented on January 2022.
Lastly, the final part of the report will discuss about the overall conclusion of the research where
the company should implement Vcard blast contact saving strategy as the new innovation for
Bank Muamalat Indonesia Sub Branch Kotabumi to improve its efficiency and productivity
especially for Prohajj Product.

Keyword: Marketing, Effectivity, Sales, Efficiency, Productivity, Prohajj, Vcard

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ABBREVIATION

BMI Bank Muamalat Indonesia
SBM Sub Branch Manager
CS Customer Service
RM Relationship Manager
SBOS Sub Branch Operational Supervisor
APPS Application System
UUM Universiti Utara Malaysia
MHLC Muamalat Household Loan Credits
MA Marketing Agents (CS and RM)

TABLE OF CONTENT

COPYRIGHT DECLARATION ……………………………………………………………………………………….. i
ACKNOWLEDGEMENT ……………………………………………………………………………………………….. ii
DISCLAIMER ………………………………………………………………………………………………………………. iii
ABBREVIATION…………………………………………………………………………………………………………… v
LIST OF TABLE, FIGURES, AND DIAGRAM ………………………………………………………………. vii
1. INTRODUCTION AND BACKGROUND OF STUDY ………………………………………………….. 1
1.1.COMPANY BACKGROUND …………………………………………………………………………………. 2
1.1.1.COMPANY’S HISTORY AND PROFILE …………………………………………………………. 2
1.1.2.VISION AND MISSION…………………………………………………………………………………… 4
1.1.3.CORE ACTIVITIES…………………………………………………………………………………………. 5
1.1.4.EMPLOYEE STATISTIC …………………………………………………………………………………. 6
1.1.5.ORGANISATIONAL STRUCTURE …………………………………………………………………. 8
1.2.ACTIVITY PERFORM DURING PRACTICUM TRAINING ……………………………………. 9
1.3.ISSUE ON PROHAJJ TARGET MARKETING ACHIEVEMENT ……………………………. 13
2. OBJECTIVE …………………………………………………………………………………………………………….. 16

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3. METHODOLOGY ……………………………………………………………………………………………………. 16
3.1.Primary Source …………………………………………………………………………………………………….. 17
3.1.1.Interview ……………………………………………………………………………………………………….. 17
3.1.2.Observation ……………………………………………………………………………………………………. 17
3.2.Secondary Source …………………………………………………………………………………………………. 18
3.2.1.Online Research ……………………………………………………………………………………………… 18
3.2.2.Article and Journal………………………………………………………………………………………….. 18
4. DISCUSSION …………………………………………………………………………………………………………… 19
4.1.BMI PRODUCT: PROHAJJ ………………………………………………………………………………….. 19
4.1.1.PRODUCT DESCRIPTION…………………………………………………………………………….. 19
4.1.2.ACCOUNTING FOR PROHAJJ ……………………………………………………………………… 19
4.2.VCARD BLAST CONTACT SAVING STRATEGY ………………………………………………. 21
4.2.1.PROCEDURE TO CREATE VCARD FILE ……………………………………………………… 22
4.3.IMPLEMENTATION OF VCARD BLAST CONTACT SAVING STRATEGY ON
PROHAJJ SALES AND MARKETING …………………………………………………………….. 28
4.3.1.BROADCASTING THEORY ………………………………………………………………………….. 28
4.3.2.IMPLEMENTATION OF VCARD BLAST CONTACT SAVING STRATEGY …… 29
4.3.3.IMPACT OF VCARD BLAST CONTACT SAVING STRATEGY
IMPLEMENTATION ON PROHAJJ MARKETING PERFORMANCE …………. 32
4.3.4.IMPACT OF VCARD BLAST CONTACT SAVING STRATEGY
IMPLEMENTATION ON PROHAJJ SALES PERFORMANCE ……………………. 35
5. CONCLUSSION……………………………………………………………………………………………………….. 38
REFERENCES …………………………………………………………………………………………………………….. 39

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LIST OF TABLE, FIGURES, AND DIAGRAM

Figure 1. PT. Bank Muamalat Indonesia Tower located in South Jakarta …………………………………………… 3
Figure 2 Employee Statistic of PT. Bank Muamalat Indonesia tbk as per 31 December 2020 ……………….. 7
Figure 3 The student assist CS staff in documenting transaction documents for the day ……………………… 11
Figure 4 The student help RM create a Jurisdiction Analysis …………………………………………………………… 12
Figure 5 The student accompany manager when visit the customer ………………………………………………….. 13
Figure 6 the phone number information is put on the same cell with other information ………………………. 14
Figure 7 example of Vcard file that saved as .vcf file extention ………………………………………………………… 21
Figure 8 The Leads document consist of various details …………………………………………………………………. 23
Figure 9 Using Text to Column command to separate phone number information ……………………………… 24
Figure 10 Example of FIND formula application …………………………………………………………………………… 25
Figure 11 The use of LEFT formula after applies FIND formula ……………………………………………………… 25
Figure 12 The Combination of IF formula and RIGHT formula to eliminate the first 3 digits of phone
number ……………………………………………………………………………………………………………………………………… 26
Figure 13 The customer name and mobile phone data in the new excel sheet…………………………………….. 26
Figure 14 The contact information from CSV files has imported to contact windows………………………….. 27
Figure 15 Search cmd from search and program files feature …………………………………………………………. 28
Figure 16 The cmd page after type the coding ……………………………………………………………………………….. 28
Figure 17 All the contacts saved in Vcard file shown automatically in Whatsapp contact after the user
import it. …………………………………………………………………………………………………………………………………… 29
Figure 18 Example of collection form that mentions customers who are registered to Prohajj product … 37

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1. INTRODUCTION AND BACKGROUND OF STUDY

In general, internships are a process that must be completed by all UUM students, especially
TISSA students, within a certain period of time that has been determined before they graduate.
As per university rules, UUM student for accounting courses must undergo practical industrial
training within a period of six (6) months consisting of twelve (12) credit hours. During
industrial training, students are placed in the private or government sector, depending on
availability, location suitability and the needs of the employer. Yet, the student is the one who
decide the last choice on where they want to do industrial practical training at based on their
passion and desire.
Industrial practical training is just as important as theoretical lessons. This activity allows
students to not only learn how to apply the theory they learn in school to the industrial world, but
they can also learn how to train the mental, physical, intellectual and professional attitudes
needed in the work environment.
Directly or indirectly, this program has positive impacts on both parties. From the student’s
perspective, they get the opportunity to apply the knowledge and skills they have acquired during
their studies on the company’s operational activities. From the company’s perspective, they get
assistance from students in routine work activities that can facilitate the achievement of daily
targets, datelines, and several important projects. Company sometimes also challenges students
to tackle some projects and see how well they can perform various tasks.
The student, who conduct internship in the banking sector, mostly involve in business
department than operational and financial department. The business department activities include
customer care, marketing, and managerial activities with Customer Service, Relationship
Manager, and Manager itself as the mentor.
In the beginning of the internship, the company let the student to involve in Customer care
activities. The students must pay attention to every customer service demeanor in serving
customers, how to think spontaneously toward every customers’ complaint, the way they market
the products to increase customer interest in using the product, as well as what and how she

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completes her task, from collecting data, processing data, checking the accuracy of each data,
reporting the results of daily customer care activities, and how she archives the data so that it is
neatly organized. Other than customer care, the Relationship Manager or even the manager
himself will give the student a task when she is needed. At the end of practicum, the student must
know how is the proper documentation, how is the flow of the registration process for each
banking products, how is the marketing activities conducted by the banking staff as employees of
business trust organization, and how the bank ensures that all the customer especially the
institutional one is legal and based on the law applied in Indonesia.
Last but not least, the internship program allows students to make critical decision for their
future career regarding the next steps to take after graduating from university. At the same time,
practical industrial training can indirectly help students improve their interpersonal skills, such as
leadership, communication, and time management skills, and expand networking.
1.1. COMPANY BACKGROUND
1.1.1. COMPANY’S HISTORY AND PROFILE
PT Bank Muamalat Indonesia, Tbk was established on 24th Rabius Tsani 1412 H (1st
November 1991), The establishment of this bank was initiated by several figures from the
Assembly Indonesian Ulama (MUI), several Muslim scholars who are the members of
the Indonesian Association of Muslim Intellectuals (ICMI) and the Government. PT Bank
Muamalat Indonesia Tbk also supported by prominent Muslim figures and leaders, some
Muslim businessmen, as well as the community. The six most popular figures behind the
establishment of PT Bank Muamalat Indonesia tbk are Prof. DR. Ing. B.J. Habibie, Prof.
DR. Sukamdani Sahid Gitosardjono, Prof. DR. Amin Aziz, Dr. Rachmat Saleh, Prof. Drs.
Amir Rajab Batubara dan K.H. Hasan Basri.

On May 1, 1992 or 27 Shawwal 1412 H, Bank Muamalat Indonesia officially operated as
the first bank running its business based on sharia principles in Indonesia, where two
years later, on October 27, 1994, BMI obtained a license as a Foreign Exchange Bank
after being registered a year earlier as a public company that is not listed on the Indonesia
Stock Exchange (IDX). Furthermore, in 2003, BMI became the first banking institution
in Indonesia to issue Subordinated Mudharabah Sukuk.

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Figure 1. PT. Bank Muamalat Indonesia Tower located in South Jakarta

BMI headquartered in Prof. DR. Satrio No. Kav. 18, RT.7/RW.4, Kuningan, Karet
Kuningan, Setiabudi District, South Jakarta City, Special Capital Region of Jakarta
12940. BMI continues to innovate by issuing sharia financial products such as Sharia
Insurance (Takaful Insurance), Muamalat Financial Institution Pension Fund (DPLK
Muamalat) and sharia multifinance (Al-Ijarah Indonesia Finance) which are all new
breakthroughs in Indonesia.

As the Bank’s capacity is getting bigger and recognized, BMI is expanding its wings by
continuing to expand its network of branch offices not only throughout Indonesia, but
also overseas. Today, the BMI has about 240 service offices including 1 (one) branch
office in Malaysia. The Bank’s operations are also supported by an extensive service
network in the form of 568 Muamalat ATM units spread throughout Indonesia, including
1 ATM unit in Malaysia, and connected to 120,000 ATM Bersama and 77,000 Prima
ATMs as well as 51 units of Mobile Cash Cars.

BMI service office at Kotabumi (North Lampung) is one of BMI Sub Branch offices in
Lampung Province, Indonesia. The activities at Kotabumi Service office consist of three
departments which are business, operational and supervision, and marketing department.
BMI cooperate with other companies in providing sharia insurance products such as PT.

4
Sun Life Financial Indonesia to provide sharia investment savings and PT. Asuransi
Takaful Keluarga to provide life insurance. Other than that, BMI operates with several
subsidiaries, namely Al-Ijarah Indonesia Finance (ALIF) which provides sharia financing
services, DPLK Muamalat which provides pension fund services through Financial
Institution Pension Funds program, and Baitulmaal Muamalat which provides services
for distributing Zakat, Infaq, and sadaqah (ZIS funds).

1.1.2. VISION AND MISSION

1.1.2.1.VISION
“To be the Best Islamic and one of the Top 10 Banks in Indonesia with Strong
Regional Presence”
As the first bank that applies sharia principle in Indonesia, Bank Muamalat Indonesia
makes BMI has no competitor in the sharia banking industry for several times. During
that time, seems that BMI focus on expertizing its services and experienced various
challenge and how to talked it as the initiator of sharia bank. As continuously assess the
purity of sharia principle applied on its products, has a vision to be the best Islamic Bank
with strong regional presence is valued to achieve.
Looking at the high volume of Muslim in Indonesia, PT Bank Muamalat Indonesia tbk
that should compete with a number of conventional banks in Indonesia at the early
establishment, BMI is strongly determine to Islamizes as much as possible of Muslims
banking activities and become the top 10 Banks in Indonesia with strong regional
presence.

1.1.2.2. MISION
“To develop an excellent and sustainable Islamic financial institution with emphasis
on entrepreneurial spirit based on prudent principles and excellent and professional
human resources with strong adherence to Islamic values, and oriented towards
innovative investment to optimize values which benefit all stakeholders”

5
To achieve its goals, PT Bank Muamalat Indonesia ground its business on the following
points:
– Coaching Targets: Train and accelerate the advancement of low and middle
economic level communities in Indonesia where BMI could bridge socio-economic
gap due to the impact of development.
– Coaching Strategy:
a. Build well cooperation with existing Rural Banks, and encourage Rural Banks
advancement on the potential areas.
b. In collaboration with Amil Zakat, Infaq, and Sadaqat (BAZIS) of Indonesia to
intensify the management of zakat, infaq, and Sadaqat funds.
c. Stimulate the growth and development of the institutions that providing
technical assistance in management for small and medium-sized
entrepreneurs.
d. Stimulate the growth and development of the institutions that providing
assistance in accounting skills development.
e. Develop the institutional role of providing postharvest technology.
f. Developing the role of marketing institutions for production products.

1.1.3. CORE ACTIVITIES
According to BMI’s Articles of Association, act no 22 11 October 2018 created by
Ashoya Ratam, S.H., Mkn at South Jakarta that ratified by the Decree of the Ministry of
Law and Human Rights No. AHU-0024963.AH.01.02 year of 2018, the main business
activities of Bank Muamalat Indonesia which include collect funds from public and
distribute it in the form of legitimate financing based on sharia principle become the
strategy to achieve BMI purpose and objective which is to conduct banking business
based on sharia principle as stated on the Articles of Association. These more detail are
as follows:
1) Collecting funds from the community
There are two types of collecting funds strategy that BMI has on its operational
activities. The strategy is implemented by issue deposits and investment products.

6
The deposit on the form of current accounts, savings accounts, and other forms at
BMI is based on the Akad Wadi’ah (Wadiah Principle) where there is no profit
sharing for the customer. On the other hands, there is also products of investment
type at BMI that based on Mudharabah agreements where the customer has the
opportunity to earn profit sharing by BMI.

2) Financing
BMI offers the customers four types of financing based on the used and benefit
that they can earn. Those four types are financing for sale and purchase, profit
sharing transaction, lease, and lending or borrowing transaction. On the sales and
purchases financing service, BMI use the contract of murabahah, istishna, salam.
While mudharabah and musyarakah contract used by BMI as the principle in
conducting the profit-sharing transactions. Next, the lease that BMI has and
provide is for both movable and immovable property based on contracts of ijarah,
ijarah muntahiya bittamlik. The last is lending and borrowing transaction that use
qardh contract and other contracts based on sharia principle.

3) Providing services based on contract
The following top business activity in PT. Bank Muamalat Indonesia tbk is
providing service based on contracts such as wakalah, hawalah, kafalah, rahn and
other sharia contracts.

The student who conducts internship at BMI Sub Branch Kotabumi is interested
to do research about one of BMI products that use one contract each on the above
activities. Yet, there are about seven more activities that BMI has on their
operation that stated on PT. Bank Muamalat Indonesia tbk annual report.

1.1.4. EMPLOYEE STATISTIC
As per this report is created, the annual report for PT. Bank Muamalat Indonesia for the
year ended 2021 has not been published. Yet, on the annual report for the year ended
2020 of PT. Bank Muamalat Indonesia page 149, mentioned that the total employees

7
recorded per 31 December 2020 are 2,968 employees with 1,803 male employees and
1,165 female employees.
Based on the years of service, the number of employees who has work at BMI for 6 to 10
years us the highest with 1,177 employees, while the employees with years of service of
>10 years is on the second place with 829 employees, next is 483 employees with years
of service 3-5 years, 368 employees with years of service 1-2 years, and lastly is 111
employees of less than one years of service.
If categorizing the employees at PT. Bank Muamalat Indonesia based on location, there
are 9 locations that the employees come from which are from Sumatera with 430
employees, Java 2,049 employees, Kalimantan 135 employees, Bali 16 employees, Nusa
Tenggara 28 Employees, Maluku 32 Employees, Sulawesi 216 employees, Papua 36
employees, and Malaysia 26 employees.

Figure 2 Employee Statistic of PT. Bank Muamalat Indonesia tbk
as per 31 December 2020

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1.1.5. ORGANISATIONAL STRUCTURE

Ahmad
Azwar
Sub Branch Manager
Putri Patricia
Insurance Advisor Sharia
Rinaldi
Relationship Manager
Dhea Vita
Lestari
Customer Service
Halimah
Sub Branch Operational
Supervisor
Wahyu S.
Nugraha
Teller

9
1.2. ACTIVITY PERFORM DURING PRACTICUM TRAINING
PT. Bank Muamalat Indonesia tbk at Kotabumi or known as BMI Sub Branch Kotabumi
has only two departments for the banking activities which are business department and
operational department. In the early period of practicum, the employer let the student
involve in customer care sub department with Customer Service (CS) staff as the mentor.
Formally, the CS staff responsible to Sub Branch Manager (SBM) while she Relationship
Manager is at one position above her that also responsible to SBM. However, customer
care activities could not be separated from operational department so there is integration
system between business departments that mainly selling and marketing BMI products,
and operation department that supervise and responsible for the cash and financial related
activities at BMI Kotabumi. As time goes by, the SBM start to involving me on the
marketing department’s activity and management activities that is allowable for the
practicum student to involve in. The following is the elaboration of student’s activities
during practicum based on the sub department.
a. Customer Service
At this level, the student work with CS staff whose task is actually included in
both department, business and operational and supervision. In the operational
activities, the student also helps CS staff to collect customer data, transfer it to the
registration form of opening bank accounts and sometime involve in create
necessary document with the guidance of the manager. There are two types of
bank accounts where CS staff and manager frequently ask the student to assist on
such as individual saving account and institutional saving account. The following
are the tasks that student performed on these two types of account:

1.1. Task performed by student on individual saving account opening process.
– Collect identity card to copy the personal information on it and transfer
the data to the registration form. The data consist of customer full name,
date of birth, home address, marriage status, occupation. The student
also needs to ask the customer about mother’s name, range of salary
they earned monthly, phone number, as well as email.
– Ask the customer to sign the registration form.

10
– Prepare the passbook and ATM after the customer tells CS staff about
their choice of the ATM card type.
– Fulfill the bar sheet about passbook and ATM details that just
registered.

1.2. Task performed by student on institutional saving account opening
process.
– Ensure that all required documents to open institutional bank accounts
are submitted.
– Fulfill the registration form for the institution and the organization’s
committees.
– Prepare the passbook for the bank accounts.
Other than assist on those two types of job, the student with other internship
students performed various operational tasks given by the Customer Service Staff.
Those activities have built the student’s professionalism on how to work well and
follow the procedure applied at the company. The student also learns how to
documenting various documents properly, learn to be accurate and ensure that
each inventory usage is recorded and the balance is according to the calculation
on the system.
Meanwhile, for the CS’s business activities, the tasks that included allowed to be
assisted by the student is encourage the walk-in customer (customer who comes
directly to the office) that have not have Muamalat mobile banking to start using
it. The student guides the customer from downloading the apps on the Google
Play store, register new Muamalat Din (MDIN) account using their saving
account’s data, explaining all the features inside, and ask every question from the
customer about MDIN. Next, the student also sometimes involve herself while CS
staff promotes Prohajj products by help CS staff share the broadcast to the
customers that registered on the leads, a list of customers who get the privilege to
apply for Prohajj program with skipping the monthly salary review process.

11

b. Marketing
Under marketing division, the student mostly assists the Relationship Manager to
update the leads status on the site called ‘Muamalat Direct’, a private site for the
Marketing and management staffs to update their progress on promoting some
products including Prohajj product. Sometimes, the student also accompanies the
RM on his visiting activities that usually are presentation about BMI products to
the customers.

Other than that, the student also frequently helps the Relationship Manager to
create a jurisdiction analysis to be submitted to Sub Branch Operational
Supervision (SBOS) staff before opening any institutional bank account. This
Figure 3 The student assist CS staff in documenting transaction documents
for the day

12
jurisdiction analysis state about the law that underlies the permissible opening of
an institutional account is processed based on the institution’s characteristics.

Figure 4 The student help RM create a Jurisdiction Analysis

c. Management
The management level employers at Bank Muamalat Indonesia (BMI) Sub
Branch Kotabumi allows student to involve in visiting activities. The agenda
during outing with SBM is mostly informal meetings to develop the good
relations between customers and the bank. The student also calls the customers
for several times when the manager gives an order to do it, usually to follow up
institutional customer about some important notification that require the bank to
invite them to come to the office.

The manager sometimes also explains to the student about the knowledge about
sharia banking and what are the contracts applied on BMI products through

13
informal presentation. That is a great opportunity for the student to gain extra
information regarding Islamic banking.

Figure 5 The student accompany manager when visit the customer

1.3. ISSUE ON PROHAJJ TARGET MARKETING ACHIEVEMENT

Marketing is a social process and managerial system by which individuals and groups
obtain what they need and want by creating and mutual exchanging products and services
and value between one people with another (Putri, 2017). Today’s marketers face an
increasingly competitive market; more specialized, more global and more technology-
driven. To participate and maintain relevance, marketers need a combination of creativity
and knowledge (Iwu, 2009). The issue that the student underlined during internships
program is unachieved target marketing sales on Prohajj product for Customer Service
and Relationship Manager that could arise several issues such as time consuming and
high transportation and advertisement cost.
Leads is a list of customers who get the privilege to apply for Prohajj program with only
use Identity Card as the requirement where the non leads customers who want to apply
for Prohajj should submit their monthly salary slip before next the management review

14
the acceptability status. If the review result is accepted, then the non leads customers may
proceed with the registration process while if declined, they should re-register
themselves.
Every month, staffs in business department which is CS and RM receive leads of
hundreds of customers to be offered to apply for Prohajj program with the privilege. The
RM and CS usually share the broadcast message one by one to the lead’s customers
through WhatsApp. The CS staff frequently use an app called Quickwapp that allows the
user to chat other WhatsApp users without save their number at first. She chooses that
apps because it takes time to save customer’s number first before share the broadcast
message and it would not use any space on her phone’s memory. Yet, the leads document
received is not perfectly managed because the phone number data is put at the same cell
with about six other data so she should find it first before re-type the number on the app
she uses, and surely it takes time.
Figure 6 the phone number information is put on the same cell with other information
Since the CS staff has to serve customers, she could not make the Prohajj promotion to
the leads customers as her priority so there are many times where she forgot to continue
following the leads customers up after serving the walk-in customers.
While, the RM whose main job is marketing BMI products and not involve in any
operational activity choose to save each customer’s number before share the broadcast

15
message or call the customers. Sometimes, he complaints about his phone’s memory that
is full because there are thousands leads customers’ number saved and he should also
delete it one by one that really time consuming. Since RM should promote other BMI
products, RM sometimes could not handle all the leads customers for Prohajj product. To
overcome it and help CS at the same time, RM often visit an institutional customer to
present about Prohajj product, print hundreds Prohajj brochures stating about monthly
installment payment table based on volume of funding to register for hajj through Prohajj
programs and share it to employees on that institution. In this case, RM and CS
unachieved target marketing for Prohajj product may lead RM to consume higher
transportation and advertisement cost compared to the condition if they could contact and
follow up all the leads customers by online.
As per this issue noticed by the student, the student come with a solution which is to
implement Vcard Blast contact saving strategy for blast broadcasting of Prohajj Product
to reach more customers in a click that could help Customer Service staff and
Relationship Manager to achieve their monthly target of following the leads customers up
to promote ‘Prohajj program with privilege’. On this research, the student will discuss
about the process of creating the Vcard file, how to use it, and see the result whether the
Vcard usage could help CS and RM to achieve their marketing target, whether Vcard
could ease CS and RM get the customers and earn more revenue from Prohajj product, or
if there are other factors that could support this Vcard strategy, the student will also
discuss it on this research.

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2. OBJECTIVE

Industrial Training allows students to integrate academic study with first-hand or real companies
with practical problems in the industry organization. The Industrial Training is purposes to
expose the students to real working environment and to enhance our knowledge and skill from
what we have learned in our university. Internship student must follow ethical values and good
working practices. This will help the trainees to better understand safety practices and systems
when learn in the industry and may inculcate team spirit and good relationships between trainees
and employees. There are many advanced for trainees to quickly involve themselves into the real
working situation.
In relation to the purpose of the industrial training, this report has several main objectives as
follows:
• To discuss about the marketing effectiveness of Prohajj product at PT Bank Muamalat
Indonesia Sub Branch Kotabumi
• To describe about Vcard and its role on the Prohajj product sales and marketing
• To discuss about the effect of Vcard implementation on the Prohajj product sales and
marketing.

3. METHODOLOGY

Methods are the specific approach to collecting data while Methodology is the theoretical
framework to support the methods chosen. The method chosen should be in accordance with the
research objectives in order to produce valid and reliable information. In this paper, I will
analyze the effectiveness of implementing Vcard blast contact saving strategy on the marketing
of Prohajj product in achieving monthly target marketing sales and see how the impact on the
revenue of BMI Kotabumi Subbranch. I use both qualitative and quantitative methodology with
interviews, observation, and online data collection as the methods to gather enough information
and data to complete the paper. I categorize the method chosen into primary source and

17
secondary source. The primary sources are interview and observation where the secondary
source is online data collection through internet sources and journals.
3.1. Primary Source
A primary source is a firsthand account of an event that happened, data from a study, or an
original work. The data gathered from primary source is more factual, reliable, authentic,
and original since the researcher directly involve himself in the data collection process and
get the first-hand information.
3.1.1. Interview
The interview is an important data gathering technique involving verbal communication
between the researcher and the subject (Nick Fox, 2006). To gain information about
previous marketing and sales performance of Prohajj product at BMI sub branch
Kotabumi, I conduct interview as one of the primary sources. I di interviews with Sub
Branch Manager about the previous performance of Prohajj selling and marketing, the
information related to Prohajj Product, and other necessary information that will be
useful for this paper. I also interview Customer Service and Relationship Manager to
gather the actual data of their achievement on selling and marketing Prohajj Product.
3.1.2. Observation
Observation is used in the social sciences as a method for collecting data about people,
processes, and cultures (Barbara B. Kawulich, 2012). In this research, the student
observes the activity related to Prohajj marketing and sales at BMI Sub Branch
Kotabumi. The aim of the observation method in this paper is to know and understand the
marketing culture at BMI Kotabumi Subbranch. I observe the differences of marketing
culture done by Customer Service compared to Relationship Manager in promoting
Prohajj product to the customers. I realized that the marketing process at BMI Kotabumi
Subbranch is still ineffective both for CS and RM so the opportunity to gain revenue also
missed.

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3.2. Secondary Source
Secondary source include data that has been previously collected and is being considered
for reuse for new questions or issues, where the data collected was not originally intended
(Martins, Serra, & Cunha, 2018). In this paper, the secondary source is necessary to
gather information about the Vcard file, the accounting for hajj bridging fund, the
marketing and sales theory, and other information that could support the analysis. I use
two methods of secondary data collection which consist of online research and article and
journal.
3.2.1. Online Research
Online research involves collecting new and original data (via the Internet) for
analysis in order to provide new evidence in relation to a particular research question
(Latkovikj & Popovska, 2020). According to the recent information, I have decided
to use Internet resources to help me get plenty of information related to Vcard. I also
gain information related to Hajj Bridging Fund and the theory about it from the
internet source. I use internet source such as Google, Google Scholar, and Yahoo to
find information about sharia accounting principle and contract for Prohajj (Hajj
Bridging Fund) because I have lack of understanding about the topic.
3.2.2. Article and Journal
Beside online research, the information about sharia principle and contract are easier
to gather from article and journal from many researchers. Almost all articles and
journals created after the authors did lots of research and studies, so this source is
reliable to be used to complete this paper. I use Google and Google Scholar to find
articles and journals that discuss about sharia accounting principles and contracts for
hajj bridging fund which is Qardh dan Ijarah.

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4. DISCUSSION
4.1. BMI PRODUCT: PROHAJJ
4.1.1. PRODUCT DESCRIPTION
Financing is one of the main tasks of the bank in general. Financing can be divided
into two, namely are consumptive financing that has the meaning of financing
provided for purchase or procurement of goods which is not used for a specific
purpose business, and productive financing, financing provided for business (Kartika,
2013).
Multi-service Financing (pilgrimage) is the provision of bailout funds which given
by the bank to help customers in the Hajj registration and get posri hajj easily and
fast, for the services provided by the bank get a fee (ujrah) from the customer in the
specified nominal form with the agreed timeframe.
Prohajj is a Hajj Bridging Fund offered by PT Bank Muamalat Indonesia where the
product offered in the form of lending money for the purpose of registering on Hajj
portion through BMI service where the customer should repay the loan within the
selected period under Qardh and Ijarah contract.
4.1.2. ACCOUNTING FOR PROHAJJ
4.1.2.1. QARDH
Qardh is a form of giving an asset from someone (the lender) to another
person (the debtor) with collateral assets that has equal value with the
debtor borrowings responsibility, which is equal to the assets taken,
intended as an aid to others given. Qardh is permissible and justified in
sharia because people who are in need of money can state their desire to
borrow in Islam. There are a few dalil of the Qardh contained in the
Qur’an; surah al-Baqarah (Surah 2:245), al-Maidah (Surah 5:2), al- Hadid
(Surah 57:11 and 18), at-Taghaabun (Surah 64:17), and al-Muzzammil
(Surah 73:20). As in this context, Hajj Bridging Fund is in the form of
lending money for the purpose of registering on Hajj, as this is interest-free

20
loan, thus the bank takes the profit not from interest, but from rent fees and
keep document services properly. Thus, the assets in the form of money
lent here to register for Hajj purposes is called qardh.
4.1.2.2. IJARAH
Shari’ah Standards AAOIFI no. 9 about Ijarah and Ijarah Muntahia
Bittamleek can help me in explaining Prohajj Product (A Hajj Bridging
Fund) by Bank Muamalat Indonesia. As we know Ijarah is a term in
Islamic Fiqh which means to give something on rent. In Ijarah, the
usufruct (right to use) of property is transferred to another person for a
specified period against agreed consideration called Ujrah (rent). Ijarah is
derived from the noun ‘al-ajr’ which means compensation, reward,
consideration, return or counter value (al-iwad) against the use of an
object.Moreover, Ijarah could also be used in the following way: first, the
lessor enters into an Ijarah contract with the lessee, and then, under a
separate unconditional contract, ownership in the asset can be transferred
to the lessee; this is also known as Ijarah Muntahia Bittamleek. In this
contract, the customer agrees to and makes installment rental payments
based on the agreed-upon rental period. The object of lease is granted or
sold to the Customer at the end of the lease period.Based on the financing
fatwa Hajj management in Indonesia, Islamic Financial Institutions can
obtain a service fee (ujroh) in accordance with the fatwa DSN-MUI
number 9/DSN-MUI/IV/2000.With the existence of the Hajj bailout
financing product provided by Bank Muamalat, it allows people to register
their name as Hajj candidates more conveniently.

4.1.2.3. MFRS 16 LEASE
MFRS 16 about lease helps me understand the Shari’ah Standard which is
Ijarah since it seems similar. MFRS 16 uses a “right-of-use” method for
lessee accounting, which compels lessees to recognize assets and liabilities
for the rights and duties provided by leasing contracts. This technique

21
represents the fact that the lessee acquires a right to use an underlying asset
for a set length of time on the lease’s start date, and the lessor makes the
underlying asset available to the lessee. There would be no differentiation
between finance and operating leases for lessee accounting using this
technique. The new Standard would require all lease assets and liabilities
to be recognized, including those that are presently classified as off-
balance sheet operating leases. MFRS 16 continues the “rights and
benefits” approach of the current Standard on leases, MFRS 117, for lessor
accounting. Lessor accounting rules in MFRS 117 are generally carried
through in the new MFRS, therefore there will be no significant changes to
lessor accounting except for some improved or enhanced disclosures.
The main differences between Ijarah and Lease is if under Ijarah rent is
charged when the asset is made available to the lessee for use, while under
conventional leasing interest is charged once the contract is signed and
cash made available to the customer, irrespective of whether asset is
actually available for use or not (Hanif, 2016).

4.2. VCARD BLAST CONTACT SAVING STRATEGY
VCARD is a shortened form of Virtual Business Card or known as e-card. It is a file
format standard for electronic business card that may contain personal information
such as name, phone number, email address, logos, photographs, and currently may
also carry audio clips. VCard was developed by a consortium founded by Apple,
AT&T, IBM, and Siemens, which turned the specification over to an industry group,
the Internet Mail Consortium (IMC) in 1996 (Tech Target, 2005). Vcard file’s file
extension is VCF or ‘.vcf ‘which means the file will be saved as a .vcf file, it is a
standard format to share and read contact information.

Figure 7 example of Vcard file that saved as .vcf file extention

22
Vcard file also enables the user to store multiple contact or larger number of
contacts. In other words, the user firstly may save a number of contacts (phone
number) with .vcf format one by one and later compile all the contact into another
Vcard file format. Relatively, the size of Vcard file is small so it is easy to attach as
an email message or to other electronic messenger applications. When the Vcard file
exchanged to other device for example smartphone either through email or other
messenger applications, when the user double-clicks on the file, there will be a
notification that showing an option to import the contact saved on the Vcard file or
not. If the user agrees to import, as long as the total number of contacts inside the
Vcard file is less than 100, all the contact will be automatically saved to the user’s
phone. Yet, if the Vcard file consist of more than 100 contacts, the notification that
asking to import all the contact inside the Vcard file will appear, and if the user
aggre, all the contact inside Vcard file will be automatically saved on the user’s
phone. The strategy of using Vcard file here calls blast contact saving strategy
because by creating Vcard file to save numerous contacts, it allows the user to save
all of them on the user’s phone directly in a click.

4.2.1. PROCEDURE TO CREATE VCARD FILE
Basically, create a Vcard file for blast contact saving requires the user to create an
excel document (.xls or.xlsx) that contain phone number and its owner name then
convert to Comma-Separated-Values (.csv) document before export it to the Vcard
file. To compile a number of contacts, the next process is to insert simple coding as
programming language on the Command Prompt (cmd.exe) in Windows. The
following are the details of procedure to create Vcard file to be used for blast contact
saving at BMI Kotabumi Subbranch.
1. Manage customers’ phone number data in Microsoft excel (.xlsx)
The national conventions for writing telephone numbers vary by country. It
means each country has its own country code (international dialing code) and it
differs from each other. Indonesia has country code of ‘62’, Malaysia has ‘60’
as its country code, Japan has ‘81’ as the country code, and so on. That code

23
usually put in front of other numbers that usually shows area number. For
domestic calls, the country codes in some countries will be written as ‘0’.

To create vcard file, the phone number in the excel document should be in the
domestic phone number format where the country code is state by ‘0’. For
example, the phone number should be written in ‘082112345678’ instead of
+6282112345678 format to be easily read by the system.

In Bank Muamalat Indonesia, the Customer Service and Relationship Manager
as the Marketing Agents will be given list of customers who are eligible to get
privilege if they apply for the product offered within the month since the
marketing agent receive the list. This list of customers called ‘Leads’ that could
be accessed directly from the application for BMI employees named Muamalat
Direct or can be download as various document format including excel format.

i
If the Leads document is downloaded as excel workbook format, the file
consists of lots of information such as record date, name, leads type, contact,
product offered, expired date, and other information.
Figure 8 The Leads document consist of various details

24
In order to complete this paper, I
need two main information from that
Leads document which are
customers’ name and their phone
number. The customers’ name has
already written in one column so
there is no difficulties to move it to a
different excel sheet. Yet, the
challenge is the phone number
information are written in the same
cell with other more than five
information, so I have to detach it
from that cell.

The first step I do is separating the phone number information from other
information on the same cell by using Text to Column command on the Data
tools commands group in the ribbon under Data Tab > deliminated > Other >
type’:’ > next. After the phone number separated from other information, I copy
the name column and phone number column into another excel sheet in the same
excel document. The phone numbers in the Leads document are not all using
domestic calls number format as required to create Vcard files, so I use some
excel formula to modify all phone numbers from random format into domestic
call number format with the first number of ‘0’. The formula I use in that process
are FIND, LEN, IF, LEFT, and RIGHT.
➢ FIND formula has function to find a character within a cell in the excel
document. In this paper, I use FIND formula to find the character next to or
before phone number. The character I ask to find using FIND formula is usually
either colon (:) or semicolon (;). For example,
Figure 9 Using Text to Column command to separate
phone number information

25

Figure 10 Example of FIND formula application
On the figure above, the semicolon (;) character in that cell is on the 14th digit.

➢ LEFT formula is used to select characters from the left. In this process, I use
LEFT function to select all the digits before the colon or semicolon symbol,
whose position I find using FIND formula. For example,

Figure 11 The use of LEFT formula after applies FIND formula

on the above figure, using LEFT formula after FIND formula can exactly select
only phone number digits.

➢ LEN formula has function to counts the number of characters within a cell. I use
this function to counts the total phone number characters in a cell to be used in
the next function. For example,the phone
number in cell I2 above is consists of 13 digits.

➢ RIGHT is used to select characters from the right side. In this process I use this
formula to eliminate the first 3 digits of phone number character so it can ease me
add ‘0’ or ‘8’ to make the phone number written in the domestic call format as
required to create Vcard file.

26
➢ IF formula allows me to make logical comparisons between a value and what I
expect, and there will be two conditions which are TRUE and FALSE. I set both
TRUE and FALSE condition using RIGHT formula above.

Figure 12 The Combination of IF formula and RIGHT formula to
eliminate the first 3 digits of phone number
After applying all the function above, at the end of the process, I use ‘=”08”&[cell
no]’ to make the phone number written in the domestic call format as required to
create Vcard file.
If all the numbers set as domestic call number format, the name information and
phone number information copied to another excel sheet as shows at the figure 13:
1. Save file as Comma-Separated-
Value format
In previous step, I already manage all
the phone numbers into domestic calls
contact number format and copy it to the
new excel sheet together with name
data. The next step is saving the file as
Comma-Separated-Value format by
choosing CSV (MS-DOS) option on the
type of document.
2. Import CSV files into Contact
folder in Windows
Before create a Vcard file, I import the CSV file into the contact folder in windows.
To find that folder, click on the windows button on the bottom left of the computer
or laptop then search contact in all programs by typing ‘Contact’ on the search
programs and files feature, or manually search on all programs option. After the
Figure 13 The customer name and
mobile phone data in the new excel
sheet

27
contact windows is opened, import the contact by click on the import tab and
choose the CSV files we have save before.

3. Export and save all the contacts in Vcard file format
The last step is exporting the contact to Vcard file format and compiles it using
Command Prompt feature in Windows. The process to export each contact into
Vcard file format is similar to how to import the contacts by clicking tab export on
the contact windows. I create a new folder to save all the contacts that have been
exported into Vcard file format.
The following are the step to use
Command Prompt feature to
compile all the Vcard file contact.
➢ Click ‘cmd’ on the search
programs and file feature
➢ Input command code in the
cmd page which are
[cd ‘folder location’] > enter
> [copy /B *.vcf
Figure 14 The contact information from CSV files has imported to contact
windows

28
Leads_Vcard_Month_Marketing egent name.vcf] > enter
After applying that command code, the Vcard file that consist of all the contact
I manage in the excel workbook
before will appear on the same
folder used to save the contacts that have been exported into Vcard file format
before. Next, I send the file to CS’s and RM’s email so they can import all their
customers’ contact on their smartphone. Then that is how the procedure to
create Vcard file ends.
I
n

a
d
d In Addition, considering that the Leads file is not neatly arranged, I realize
that creating this Vcard file from the beginning is quite complex, especially for
CS and RM who has their own schedule. So, I come with a solution to prepare
a special excel file that consist of all the formulas I used in the first stage of
creating Vcard file and modify it so the CS and RM staff may only copy the
updated Leads data to that file. Then they will directly get the necessary format
to continue the process.
4.3. IMPLEMENTATION OF VCARD BLAST CONTACT SAVING STRATEGY
ON PROHAJJ SALES AND MARKETING
4.3.1. BROADCASTING THEORY
Broadcasting is the most significant media development of the twentieth century.
First, radio, and then television, evolved into mass media that could command the
attention of nearly the entire country at times. On this day, there are a lot of mass
media that companies can use for broadcasting their product, such as Facebook, with
its 2.167 billion active users, Instagram with 800 million active users, Twitter,
Figure 16 The cmd page after type the coding
Figure 15 Search cmd from search and
program files feature

29
YouTube, or any other platform. However, no one realizes that there is a text-based
social media that has many users, which is WhatsApp.Some companies still did
mass email marketing- which is a promotion technique where advertisers send out a
single email to a large audience in hopes to convert prospects into closed sales. This
kind of email marketing actually has an open rate of around 30%. However, the
average text message gets an open rate of 98% which explains why chatbots work
extremely well and why WhatsApp is the most engaging market channel. Unlike
emails, text messages are easily read and simple as everyone is always on their phone
all the time.
4.3.2. IMPLEMENTATION OF VCARD BLAST CONTACT SAVING
STRATEGY
Kate Evans (2021) states that new and dynamic banking
competitors are springing up, offering consumers versatile
product solutions and new ways of banking. This strengthens
Landy Wingard’s (2022) opinion that the number one challenge
in the banking sector is increasing competition. This shows that
the biggest problem or challenge that banks face is high
competition either from the same entity in banking sector or
other entity that offer similar service as banks.
In general, the banking sector products include Checking
account, Savings account, Money Market Account, Certificate
of Deposit, Debit card, and some other financial products.
Based on my experience during practicum, the sharia bank in
Indonesia could not compete with conventional bank due to
various factors such as the public’s familiarity to sharia product
and principle, and historical factor. Yet, I see an opportunity
for Sharia Bank to take roles in the public needs (Islamic
public) which is to serve them in Hajj registration. It is because,
currently, Indonesia government does not allow anyone to
register for Hajj portion in conventional banks but allows only
Figure 17 All the contacts saved
in Vcard file shown automatically
in Whatsapp contact after the
user import it.

30
in national sharia banks. From that policy, I drew a conclusion that the conventional
banks have been eliminated as the competitor in the Hajj saving account market. The
employer at BMI Kotabumi Subbranch explains that Prohajj is hajj product that can
contribute high margin of revenue to the Bank Muamalat Indonesia. The more detail
explanation will be discussed in the next section.
Hence, according to Kate and Landy’s opinion that said competition is the biggest
challenge for banks, in relation with the case of Bank Muamalat Indonesia Kotabumi
Subbranch especially in Prohajj product, BMI Kotabumi Subbranch only has one
competitor in the same area which is Bank Syariah Indonesia (BSI). By looking at
this fact, the business department should boost their marketing in order to compete
with BSI Kotabumi Subbranch to get more Hajj Bridging fund customers.
Implementing Vcard blast contact strategy may be an alternative solution to support
marketing agents in promoting Prohajj product through online.
In this paper, I called this strategy as Vcard Blast contact strategy because this
strategy allows Customer Service staff and Relationship Manager to save directly to
their smartphone hundreds of contacts of potential customer for Prohajj product that
listed in the Leads file posted to their staff application account every month. They
only need to download Vcard file that have been created before from their email and
import the files on their phone. Then, all the contact inside the Vcard file will be
automatically saved in their phone, and if the customers’ number are registered to
WhatsApp account, the CS and RM those contacts will be appeared in WhatsApp
contact. Since the contacts’ name saved in the similar format (Month+Customer
Name) for example “JanMohd Abdullah” that has meaning of ‘Prohajj Leads
Customer for January Mohd Abdullah’, the CS staff and RM can forward the
broadcast message to multiple contact at the same time by typing the month code
which is ‘Jan’ and then select them as much as they want. Then, they broadcast
message has sent to all of the contacts they choose.
The blast message sending in the above process, imply that they have applied the
broadcasting theory in their marketing activities. The remaining task for them is to
manage how many customers to contact every day to reach the monthly marketing

31
target (based on Leads data) effectively but still consider their personal ability to
respond to all the customers’ replies and questions as feedback of their broadcast
message.
In the real application, The Relationship Manager applies the strategy with exactly
the same way as what I assume when proposing this idea. The style I drawn
previously was as follows:
The MA create Vcard file using the special excel file I have created > The MA
import all the contacts contained in the Vcard file > The MA prepare broadcast
message > The MA share the broadcast message to tens of customer contacts through
WhatsApp consistently > the monthly marketing target for Prohajj product is
achieved
Since the RM implemented this strategy as I explained without questions and
requests for special circumstances, he admit that implementing Vcard blast contact
saving strategy with that path is effective to help him reach almost four hundred
Prohajj potential customers based on monthly Leads issued on the staff apps.
In other side, during the interview session with CS staff, she said that she does not
fully follow the path I propose because she has typical broadcasting style. “I prefer to
mention their name in the broadcast message to make them feel more engaged with
me because it can seem like the message only delivers to them individually. Yet, this
Vcard idea really helps me because I can find their contact and see the customer’s
name in my phone. So, I still able to share the broadcast message even if I am far
from my office computer. I feel more productive,” said Dhea, Customer Service of
BMI Kotabumi Subbranch. Dhea, the Customer Service in the company where I
conduct internship at, use this strategy in her own way to maintain her ‘uniqueness’
in contacting her Prohajj potential customers to offer this product. Typically, she
mentions the Leads customer’s name in the broadcast message to win the hearts of
customers so the opportunity to attract customers to apply for the Prohajj program
will be higher. Yet, from her statement above, we can understand that the

32
implementation of Vcard blast contact saving strategy still beneficial to her because
she feels eased and more flexible to do her marketing job from anywhere.
The manager asks me to create Vcard file for other product as well such as Muamalat
Household Loan Credits (MHLC) for RM to share the broadcast message to the
Leads customer for MHLC product because he can see the positive movement of
marketing performance for Prohajj Product after Vcard blast contact saving strategy
applied.
Hence, the strategy of Vcard blast contact saving is easy to implement in the
activities of business department especially for marketing staffs to promote BMI
products especially Prohajj product. Various benefits can be perceived in various
conditions based on the comfortable style of marketing applied by each staff.
4.3.3. IMPACT OF VCARD BLAST CONTACT SAVING STRATEGY
IMPLEMENTATION ON PROHAJJ MARKETING
PERFORMANCE
According to discussion about Vcard blast contact saving strategy, the staffs in
business department at BMI Kotabumi Subbranch can fell the benefit after
implementing that strategy. Researchers attach great importance to this type of
information. The reason is that it is compatible with most statistical techniques. In
addition, it can help to considerably facilitate the research process (Aouamri, 2021).
Beside Interviews I also collect numerical data to help me strengthen my hypothesis
which is the effectiveness of implementing Vcard blast contact saving strategy is
increase the productivity of marketing performance at BMI Kotabumi Subbranch.
To support this hypothesis, I do collect the numerical data of marketing performance
that consist of monthly Leads customers who were successfully contacted and the
duration to settle that achievement.

33
Table 1 The data of Leads customers’ contacted status in total
Month Total Prohajj
Leads
customers (T)
Success to
Reached
(S)
%
(S/T*
100)
Failed to
Reach
%
(F/T*
100)
Notes
September 1107 298 27% 809 73%
October 1041 321 31% 720 69%
November 995 273 27% 722 73%
December 1328 285 21% 1043 79%
January 591 485 82% 106 18% 11% not registered
to WhatsApp, 7%
are office numbers
February 580 462 80% 118 20% 14% not registered
to WhatsApp, 6%
are office numbers
March* 357 302 85% 55

15% 10% not registered
to WhatsApp, 5%
are office numbers
*As per practicum program finish.
The data gathered during interview with marketing staffs
In the data above, it can be seen that as per Vcard blast contact saving strategy
applied in BMI Kotabumi Subbranch Marketing activities on January 2022, the total
reached customer through WhatsApp broadcast message has increase significantly
and consistently. The difference between marketing performances on Prohajj product
based on the Leads report before and after the Vcard strategy applied.
𝑨𝒗𝒆𝒓𝒂𝒈𝒆 𝒑𝒆𝒓𝒇𝒐𝒓𝒎𝒂𝒏𝒄𝒆 𝒃𝒆𝒇𝒐𝒓𝒆 𝒂𝒑𝒑𝒍𝒚𝒊𝒏𝒈 𝑽𝒄𝒂𝒓𝒅 𝒃𝒍𝒂𝒔𝒕 𝒄𝒐𝒏𝒕𝒂𝒄𝒕 𝒔𝒕𝒓𝒂𝒕𝒆𝒈𝒚 =
=
𝑻𝒐𝒕𝒂𝒍 𝒓𝒆𝒂𝒄𝒉𝒆𝒅 𝒄𝒖𝒔𝒕𝒐𝒎𝒆𝒓
𝑻𝒐𝒕𝒂𝒍 𝒎𝒐𝒏𝒕𝒉𝒔
=
(𝟐𝟗𝟖+𝟑𝟐𝟏+𝟐𝟕𝟑+𝟐𝟖𝟓)
𝟒
= 𝟐𝟗𝟒. 𝟐𝟓
Form the calculations; we can see that the average marketing performance
before the Vcard strategy is applied is 294.25 that have meaning of in average, the
Marketing Agents are able to reach 294 people through WhatsApp broadcasting
monthly.
𝑨𝒗𝒆𝒓𝒂𝒈𝒆 𝒑𝒆𝒓𝒇𝒐𝒓𝒎𝒂𝒏𝒄𝒆 𝒂𝒇𝒕𝒆𝒓 𝒂𝒑𝒑𝒍𝒚𝒊𝒏𝒈 𝑽𝒄𝒂𝒓𝒅 𝒃𝒍𝒂𝒔𝒕 𝒄𝒐𝒏𝒕𝒂𝒄𝒕 𝒔𝒕𝒓𝒂𝒕𝒆𝒈𝒚 =
𝑻𝒐𝒕𝒂𝒍 𝒑𝒆𝒓𝒄𝒆𝒏𝒕𝒂𝒈𝒆 𝒐𝒇 𝒓𝒆𝒂𝒄𝒉𝒆𝒅 𝒄𝒖𝒔𝒕𝒐𝒎𝒆𝒓
𝑻𝒐𝒕𝒂𝒍 𝒎𝒐𝒏𝒕𝒉𝒔
=
(𝟒𝟖𝟓+𝟒𝟔𝟐+𝟑𝟎𝟐
𝟑
= 𝟒𝟏𝟔. 𝟑𝟑
Compared to average marketing performance of January, February, and March with
its 294.25 point, the differences to average performance in September to December is
112 because the marketing agents are able to reach 416 customers monthly in

34
average. It shows that Vcard blast contact strategy brings positive impact to the
marketing performance in terms of the number of customers that received Prohajj
broadcast message through WhatsApp every month.
To be more reliable, I also gather another data which is the statistic of customers who
are interested in applying for Prohajj product every month. The data can be seen
from the table below:
Table 2 The list of customers who applied for Prohajj program before and after Vcard strategy
implemented
Period Total
application
Customer Name
October –
December
2021
(3 months)
14
applications
Muhammad Rafi Alim, Muhammad Faid Alim, Warsini, Iin
Novitasari, Amaliah, Erika Mirna Sari, Purna Bayu, Alef Adlia
Rahmani, Siti Amanati, Non Hayati, Siti Marwiyah, Tri Meliana,
Ahmad Mustaqim, Atika Minarsih.
January –
March*
2022
(2.5
months)
22
applications
Leny Yutanti, Priyadi, Siti Romandiyah, Laya Manggeshkar,
Wahyudi and his wife, Fauziyatul Iva, Binti Marhamah, Efpy
Desnitaty, Slamet Karyadi, Muhammad Rifai Pinrua, Ahmad
Herwanto, Rohmawati, Lovia Evanne, Siti Wahyuning Tias, Anda
Juanda, Tenar Riana, Noval Idrus, Eva Maryana, Veronica Lesti
Indriyani, Agustinus Aditriono, Yeni aprilia, Nurjianti, Kesti E.P.
*As per practicum program finish
According to above data, the customers who apply for Prohajj program in the second
period (January 2022 – 11th March 2022) as per practicum program finish which is
only two and half months, are 22 applications. It is 36% higher than the previous
period whose applications are only 14 customers. The differences could be higher
since the possibility to attract more customers has not been stop because March
Leads will expire on 6th April 2022.
In summary, the implementation of Vcard Blast Contact Saving Strategy has shown
its positive impact. The power of Vcard strategy can be seen from the positive
movement that occur on BMI Kotabumi Subbranch’s marketing target achievement
based on the data of reached customers, and the increasing number of customers who
apply for Prohajj program.

35
4.3.4. IMPACT OF VCARD BLAST CONTACT SAVING STRATEGY
IMPLEMENTATION ON PROHAJJ SALES PERFORMANCE
According to IAS 18.7, Revenue defined as the gross inflow of economic benefits
(cash, receivables, other assets) arising from the ordinary operating activities of an
entity (such as sales of goods, sales of services, interest, royalties, and dividends).
Muhammad Hanif (2016), discuss that the differences of income gain under IAS
17/MFRS16 and FAS 32 issued by AAOIFI is under IAS 17/MFRS16, the income
generated from the interest charged on the carrying amount of the goods, while under
Ijarah concept the income is purely generated from rent.
Ahmad Azwar, The Subbranch Manager of BMI Kotabumi explain that in the case of
Prohajj Product, there are two Akad applied which is Qardh and Ijarah. The qardh is
interest-free loan that BMI lend to customers in order to be used for registering Hajj
portion through BMI service. The hajj registration fee in Indonesia is Rp25,000,000,
but the amount of qardh loans taken by the customer is optional according to their
capabilities. The minimum loans that customer may get is Rp10,000,000/hajj portion,
but mostly the customers are applying for Rp25,000,000 loans. The SBM also said
that instead of charging interest on those loans, BMI apply Ijarah contract based on
rent transaction where BMI renting BMI’s storage and security service during the
customer’s installment period. The illustration of the above statement for
Rp25,000,000 loans are as follow:

Based on the discussion about the impact of Vcard blast contact saving strategy, the
number of customers who applied for Prohajj Product is increase after the strategy
applied. Yet, not all the customers who apply for this program are accepted for that
loan. The application will be submitted to the general system and the higher authority
Loans/Amount
of Qardh
Monthly
installment
Installment
period
Qardh loans
repayment
Income generated from
Ijarah (monthly)
Rp25,000,000 Rp655, 567 60 Rp416,333
(Rp25,000,000/60)
Rp238,900
(Rp655,567-Rp416,333)
Total income generated per customer

Rp14,334,020
(Rp238,900*60)
Table 3 Calculation of Income generated from Prohajj product per customer who take Rp25,000,000
loans

36
from main BMI office will evaluate their eligibility using their data. The customers’
application may be rejected because some of their data submitted on the application is
not valid or the calculation of their cash ratio not meet the minimum requirement set
by the organization. Although, the more the number of customers who apply for
Prohajj program, the higher the opportunity to get more acceptable customers that can
leads to higher revenue for BMI especially Kotabumi Subbranch.
After months of exciting research, finally I come out with the data of customers who
are succeed to book hajj portion with Prohajj product by BMI. I sum the data and
categorize it into two period which is before and after Vcard blast contact strategy
applied in BMI Kotabumi Subbranch. Then, according to manager’s explanation, I can
analyze the impact of implementing Vcard Blast Contact Strategy on the sales
performance of Prohajj Product. The data are as follows:
Table 4 The comparison between revenue for Prohajj product before and after Vcard strategy applied
Period Customers’ name Portion Loans Installment
Period
(mth)
Contribution to
Revenue
October –
December
‘21
Muhammad Rafi Alim
Muhammad Faid alim
Non Hayati
Siti amanati
Atika Minarsih
Alef Adlia Rahmani
Purna Bayu
Amaliah
1
1
1
1
1
1
1
1
Rp25,000,000
Rp25,000,000
Rp25,000,000
Rp25,000,000
Rp25,000,000
Rp25,000,000
Rp25,000,000
Rp25,000,000
60
60
60
60
60
60
60
60
Rp14,334,020
Rp14,334,020
Rp14,334,020
Rp14,334,020
Rp14,334,020
Rp14,334,020
Rp14,334,020
Rp14,334,020
Total unearned revenue from Ijarah contract Rp114,334,020
January –
11th
March ‘22
Siti Romandiyah
Binti Marhamah,
Slamet Karyadi
Muhammad Rifai P
Leny Yutanti
Rohmawati
Lovia Evanne
Anda Juanda
Noval Idrus
Eva Maryana
Priyadi
Kesti E.P.
1
1
1
1
1
1
1
1
1
1
1
1
Rp25,000,000
Rp25,000,000
Rp25,000,000
Rp25,000,000
Rp25,000,000
Rp25,000,000
Rp25,000,000
Rp25,000,000
Rp25,000,000
Rp25,000,000
Rp25,000,000
Rp25,000,000
60
60
60
60
60
60
60
60
60
60
60
60
Rp14,334,020
Rp14,334,020
Rp14,334,020
Rp14,334,020
Rp14,334,020
Rp14,334,020
Rp14,334,020
Rp14,334,020
Rp14,334,020
Rp14,334,020
Rp14,334,020
Rp14,334,020
Total unearned revenue from Ijarah contract Rp172,008,240

37
Based on the above data, the Vcard blast contact saving strategy has indirectly
involve in contributing Rp57,336,080 unearned revenue under Ijarah contract in
Prohajj product to BMI Kotabumi subbranch.
Figure 18 Example of collection form that mentions customers who are registered to Prohajj product
In summary, implementation Vcard blast contact strategy effectively has gave
positive impact to the company not only by ease the marketing agents in reaching
Prohajj potential customer through broadcasting in WhatsApp apps but also
indirectly contribute to the company’s revenue amounted of Rp57,336,080.

38
5. CONCLUSSION
The strategy of Vcard blast contact saving is easy to implement in the activities of business
department especially for marketing staffs to promote BMI products especially Prohajj product.
Various benefits can be perceived in various conditions based on the comfortable style of
marketing applied by each staff. Implementing this strategy has also benefits BMI Kotabumi
Subbranch on the marketing and sales performance.
The impact on the marketing performance is that effectively implement Vcard blast contact
strategy during the period of January 2022 to 11th March 2022 is that the marketing agents
succeed to achieve 82% level in average of contacting the Prohajj potential customer based on
Leads data. This is because Vcard ease them to contact 416 customers in a month in average
while before the strategy is implemented, its average is only 294 customers.
The implementation of Vcard blast contact strategy effectively also gave positive impact to the
company not only by ease the marketing agents in reaching Prohajj potential customer through
broadcasting in WhatsApp apps but also indirectly contribute to the company’s revenue
amounted of Rp57,336,080 based on the data from October 2021 to March 2022.
Actually, I realize that the process of creating the Vcard file from the beginning is quite complex,
need a leisure time to doing it from the first step. Preparing a special excel file that consist of all
the formulas used in the first stage of creating Vcard file, then modify it so the CS and RM staff
may only copy the updated Leads data to that file can be an alternative to maintain the
implementation of Vcard blast contact strategy even after the practicum training finish.

39
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COPYRIGHT DECLARATION
ACKNOWLEDGEMENT
DISCLAIMER
ABBREVIATION
LIST OF TABLE, FIGURES, AND DIAGRAM
1. INTRODUCTION AND BACKGROUND OF STUDY
1.1. COMPANY BACKGROUND
1.1.1. COMPANY’S HISTORY AND PROFILE
1.
1.1.1.
1.1.2. VISION AND MISSION
1.1.2.1.VISION
1.
1.1.1.
1.1.2.
1.1.2.1.
1.1.2.2. MISION
1.1.3. CORE ACTIVITIES
1.1.4. EMPLOYEE STATISTIC
1.1.5. ORGANISATIONAL STRUCTURE
1.2. ACTIVITY PERFORM DURING PRACTICUM TRAINING
1.3. ISSUE ON PROHAJJ TARGET MARKETING ACHIEVEMENT
1.
2. OBJECTIVE
1.
2.
3. METHODOLOGY
3.1. Primary Source
1.
2.
3.
3.1.
3.1.1. Interview
1.
2.
3.
3.1.
3.1.1.
3.1.2. Observation
1.
2.
3.
3.1.
3.2. Secondary Source
1.
2.
3.
3.1.
3.2.
3.2.1. Online Research
1.
2.
3.
3.1.
3.2.
3.2.1.
3.2.2. Article and Journal
1.
2.
3.
4. DISCUSSION
1.
2.
3.
4.
4.1. BMI PRODUCT: PROHAJJ
1.
2.
3.
4.
4.1.
4.1.1. PRODUCT DESCRIPTION
1.
2.
3.
4.
4.1.
4.1.1.
1.
2.
3.
4.
4.1.
4.1.1.
4.1.2. ACCOUNTING FOR PROHAJJ
1.
2.
3.
4.
4.1.
4.1.1.
4.1.2.
4.1.2.1. QARDH
1.
2.
3.
4.
4.1.
4.1.1.
4.1.2.
4.1.2.1.
4.1.2.2. IJARAH
1.
2.
3.
4.
4.1.
4.1.1.
4.1.2.
4.1.2.1.
4.1.2.2.
4.1.2.3. MFRS 16 LEASE
1.
2.
3.
4.
4.1.
4.1.1.
4.1.2.
4.1.2.1.
4.1.2.2.
4.1.2.3.
1.
2.
3.
4.
4.1.
4.1.1.
4.1.2.
1.
2.
3.
4.
4.1.
4.2. VCARD BLAST CONTACT SAVING STRATEGY
4.2.1. PROCEDURE TO CREATE VCARD FILE
1.
2.
3.
4.
4.1.
4.2.
4.3. IMPLEMENTATION OF VCARD BLAST CONTACT SAVING STRATEGY ON PROHAJJ SALES AND MARKETING
1.
2.
3.
4.
4.1.
4.2.
4.3.
4.3.1. BROADCASTING THEORY
1.
2.
3.
4.
4.1.
4.2.
4.3.
4.3.1.
4.3.2. IMPLEMENTATION OF VCARD BLAST CONTACT SAVING STRATEGY
1.
2.
3.
4.
4.1.
4.2.
4.3.
4.3.1.
4.3.2.
4.3.3. IMPACT OF VCARD BLAST CONTACT SAVING STRATEGY IMPLEMENTATION ON PROHAJJ MARKETING PERFORMANCE
1.
2.
3.
4.
4.1.
4.2.
4.3.
4.3.1.
4.3.2.
4.3.3.
4.3.4. IMPACT OF VCARD BLAST CONTACT SAVING STRATEGY IMPLEMENTATION ON PROHAJJ SALES PERFORMANCE
1.
2.
3.
4.
5. CONCLUSSION
REFERENCES

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