Jurnal Keuangan dan Perbankan Syariah

Pengaruh Pemanfaatan Teknologi dan Media Sosial sebagai Media Promosi Produk Terhadap Minat Generasi Z pada Bank Muamalat KCP Sumber

Hilda Aenutaqiah — 2025-04-25

This study aims to analyze the influence of the use of technology and social media on the interest of generation Z, as well as the influence of the use of technology and social media simultaneously or together on the interest of generation Z in Bank Muamalat KCP Sumber. This study uses a survey method with a quantitative approach. The data sources used include primary and secondary data. The population in this study is generation Z who are customers of Bank Muamalat KCP Sumber from 2017 to 2023 with a total of 7,500 customers. The number of samples taken was 100 respondents, which was determined using the Slovin formula, with purposive sampling techniques. Data were collected through observation, interviews, questionnaires, and documentation. This study used the Likert scale for measurement, and the data was analyzed using the IBM SPSS Statistic 29 application. The results show that the use of technology has a positive and significant influence on the interest of Generation Z in Bank Muamalat KCP Sumber, with a calculated t-value (3.624) greater than the t-table (1.66071) and a significance level of 0.001 which is smaller than 0.05. Social media also has a positive and significant influence on the interest of Generation Z in Bank Muamalat KCP Sumber, with a tcount value (6.746) greater than the t-table (1.66071) and a significance level of 0.001 which is smaller than 0.05. Together, the use of technology and social media has a significant effect on the interest of Generation Z with a contribution of 71.4%, while the remaining 28.6% is influenced by other variables.

Analisis Komparatif Implementasi Kredit Usaha Rakyat Perspektif Hukum Ekonomi Syariah Pada Pegadaian Syariah dan Bank Syariah Indonesia

Safaruddin Safaruddin — 2025-04-25

This research aims to provide a comprehensive overview of the similarities and differences in the application of KUR in the context of sharia economic law in the two financial institutions and make a meaningful contribution to the development of sharia financial practices in Indonesia. This research uses a descriptive qualitative approach with a comparative study method to understand and compare the implementation of Kredit Usaha Rakyat at Pegadaian Syariah and Bank BSI based on the principles of sharia economic law. Pegadaian Syariah distributes KUR through four stages with a Rahn Tasjily contract, while Bank Syariah Indonesia (BSI) follows six stages with a Murabahah Bil Wakalah contract. Pegadaian Syariah focuses on productive sharia businesses of at least 6 months, offering installments of 6-24 months, and verification of 3-4 weeks, while BSI prioritizes the service, production, and agriculture sectors, with maximum installments of 36-48 months, and requires collateral for ceilings above IDR 100,000,000. This research uses a sharia economic law approach to analyze the implementation of KUR in Pegadaian Syariah and Bank BSI, highlighting compliance with Islamic law. Through a comparative study between the two institutions, this research provides specific insights into variations in the implementation of KUR in a sharia context that have not been widely discussed in the literature.

Efek Moderasi Loyalitas Nasabah Dengan Pengaruh Service Quality, Trust Dan Electronik Word Of Mouth Terhadap Customer Satisfaction Pengguna Bsi Mobile

Sugianto Uslan — 2025-04-25

The primary focus of this study is to examine how service quality, trust, and electronic word of mouth impact customer satisfaction. Additionally, customer loyalty is considered as a moderating factor influencing the relationship between these variables. This research employs a quantitative approach utilizing a Likert scale for measurement. The survey involved 100 respondents. Methodologically, the study includes classical assumption testing, multiple regression analysis, hypothesis testing, and moderated regression analysis (MRA) using SPSS version 25. The findings indicate a significant positive impact of service quality, trust, and electronic word of mouth on customer satisfaction. Moreover, customer loyalty effectively moderates these relationships, further enhancing customer satisfaction.

A Analyze the Influence of the Halal Industrial Sector on Economic Growth in OIC Member Countries

Roni Ardiansah — 2025-04-25

The aim of this research is to examine and analyze the influence of the halal industrial sector on economic growth in the long term and short term in OIC member countries.

This research uses a quantitative approach, and the method used is the Vector Error Correction Model (VECM) to determine the long-term and short-term effects between variables. The data source for this research is secondary data, panel data from 2014 to 2023 obtained from DinarStandard and the World Bank. Data processing tools use the E Views-10 statistical application.

The findings of this research show that in the long term Halal Fashion and Islamic Entertainment Media have a significant positive effect on economic growth, with t-statistics of 8.308 and 6.372. Halal Food, Cosmetics and Halal Medicines have a significant negative effect on economic growth, with t-statistics of -4.012 and -3.829. Then, Islamic Finance and Halal Tourism do not have a significant effect on economic growth, with t-statistics of 0.893 and -0.910. Then, in the short term Islamic Finance has a significant positive effect on economic growth, with a t-Statistic of 3.058. Meanwhile, Halal Food, Halal Tourism, Halal Fashion, Islamic Media and Entertainment, Halal Cosmetics and Medicines do not have a significant effect on economic growth, with t-statistics of 0.506, 1.865, 0.256, -1.319 and -1.111.

In this research, data analysis uses the Vector Error Correction Model (VECM) method so that the research results obtained are broader, namely in the long term and short term. This research uses more panel data than several previous studies.

The Effect of ZISWAF Fund Revenue, Gross NPF, and Mudharabah Income on BOPO with Firm Size as a Moderating Variable Period 2018.Q1 - Year 2023.Q3

Rahmaniyah Indria Putri — 2025-04-25

This research aims to determine the effect of ZISWAF Fund Revenue, Gross NPF, and Mudharabah Income on BOPO with Firm Size as a Moderating Variable. The samples used in this study are companies in the financial sector listed on the Indonesia Stock Exchange (BEI) in 2018Q1-2023Q3. The sampling technique used was purposive sampling, with a total sample of 115 from 5 (five) Islamic banks. The data analysis technique used is Panel Data Regression Analysis and Moderated Regression Analysis (MRA) with the Eviews 12 application. The results showed that the receipt of ziswaf funds had a significant negative effect on BOPO in the financial sector for the 2018Q1-2023Q3 period. Gross NPF has a positive effect on BOPO in the financial sector for the period 2018Q1-2023Q3. Mudharabah income has a significant negative effect on BOPO in the financial sector for the period 2018Q1-2023Q3. Firm size is not able to moderate the effect of ziswaf fund revenue on BOPO in the financial sector for the period 2018Q1-2023Q3. Firm size is unable to moderate the effect of Gross NPF on BOPO in the financial sector for the period 2018Q1-2023Q3. Firm size is able to moderate the effect of mudharabah income on BOPO in the financial sector for the period 2018Q1-2023Q3.

Pengaruh Pengetahuan dan Pemahaman Masyarkat Muslim Kepada Bank Syariah Terhadap Minat Setelah Merger Bank Syariah Indonesia

Sabirin Sabirin — 2025-04-25

The purpose of this study is to find out: (1) The influence of knowledge of the Muslim community on Sharia Banks on interest after the merger of Bank Syariah Indonesia. (2) The influence of the understanding of the Muslim community on Sharia Banks on interest after the merger of Bank Syariah Indonesia. (3) The influence of knowledge and understanding of the Muslim community on Sharia Banks simultaneously on interest after the merger of Bank Syariah Indonesia. This type of research is quantitative. The population is the Muslim community of East Pontianak District. Sampling used probability sampling techniques with simple random sampling using the Slovin formula. The data collection method used a questionnaire using Google Form which was distributed to 100 samples of the East Pontianak Muslim community. Data were processed using SPSS 21. Data analysis used multiple linear regression. The results of this research show that: (1) The Muslim community's knowledge of Sharia Banks has a positive effect on interest in using Sharia Banks after the merger of Bank Syariah Indonesia. (2) The Muslim community's understanding of Sharia Banks has a positive effect on interest in using Sharia Banks after the merger of Bank Syariah Indonesia. (3) The Muslim community's knowledge and understanding of Sharia Banks simultaneously has a positive influence on interest in using Sharia Banks after the merger of Bank Syariah Indonesia