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All Journal International Journal of Islamic Business Management
Sri Wahyuni
Institut Jam’iyah Mahmudiyah Langkat
Economics, Econometrics & Finance

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THE INFLUENCE OF PROMOTION IN DECISION-MAKING TO BECOME A HAJJ SAVINGS CUSTOMER AT BANK SYARIAH INDONESIA KCP PANGKALAN BRANDAN Sri Wahyuni; Khairani Sakdiah; Nova Arma Dwi
INTERNATIONAL, Journal of Sharia Business Management Vol 5 No 3 (2026)
Publisher : CV. Barokah Publsiher

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The development of Islamic banking in Indonesia has shown significant growth in line with the increasing awareness of the Muslim community in utilizing Sharia-based financial products. One of the superior products offered by Islamic banks is Hajj Savings, which functions as a financial planning instrument to carry out the Hajj. The public's decision to become a customer of Hajj savings is influenced by several factors, one of which is promotion. Promotion plays an important role in conveying information, building understanding, and forming a positive perception of hajj savings products offered by Islamic banks. This study aims to analyze the influence of promotion on the decision to become a hajj savings customer at Bank Syariah Indonesia (BSI) KCP Pangkalan Brandan. This study uses a quantitative approach using an associative method. The population consists of all hajj savings customers at BSI KCP Pangkalan Brandan, with a sample of 80 respondents selected through purposive sampling. Data were collected using questionnaires based on the Likert scale and analyzed through validity tests, reliability tests, classical assumption tests, and simple linear regression analysis using SPSS. The results of the study show that promotions have a positive and significant effect on the decision to become a Hajj savings customer. Therefore, an effective and sustainable promotion strategy is very important to increase public interest in choosing hajj savings products at BSI KCP Pangkalan Brandan.
THE INFLUENCE OF BRAND IMAGE, AND SHARIA BUSINESS ETHICS ON CUSTOMER LOYALTY IN SHARIA BANKS Sri Wahyuni; Lisya Amanda
INTERNATIONAL, Journal of Sharia Business Management Vol 4 No 6 (2025): Desember
Publisher : CV. Barokah Publsiher

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This study is motivated by the relatively low level of customer loyalty toward Islamic banks in Medan City, despite continuous efforts to strengthen brand image and the implementation of Islamic business ethics. This phenomenon indicates a gap between the positive image promoted by Islamic banks and the actual experiences perceived by customers. The purpose of this research is to analyze the influence of Brand Image and Islamic Business Ethics on Customer Loyalty in Islamic banking among the community of Medan City. This research employed a quantitative approach using a survey method, with data collected through an online questionnaire (Google Form) distributed to customers of Islamic banks. All variables were measured using a five-point Likert scale, and data were analyzed using the SmartPLS (Partial Least Squares) application to test validity, reliability, and the causal relationships among variables. The results show that all indicators of the research variables are valid and reliable. Structurally, Brand Image has a significant but negative effect on Customer Loyalty, indicating that a stronger brand image does not necessarily enhance customer loyalty. Meanwhile, Islamic Business Ethics has a positive but not significant effect on Customer Loyalty. These findings suggest that customer loyalty toward Islamic banks in Medan is more influenced by direct service experiences rather than by perceived image and ethical values.
THE ROLE OF SHARIA ACCOUNTING AND ITS RELEVANCE IN THE DIGITAL ERA IN GENERATION Z Sri Wahyuni; Asmawarna Sinaga; Fauzi Ardianti
INTERNATIONAL, Journal of Sharia Business Management Vol 3 No 4 (2024): Desember
Publisher : CV. Barokah Publsiher

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This study discusses the role of sharia accounting for Generation Z in the context of the digital era in Indonesia. The method used is a literature study from various academic sources related to sharia accounting, the characteristics of Generation Z, and digital transformation. The results of the study indicate that Generation Z is a digital native group that is very concerned with religious values and social justice. Sharia accounting, with the principles of transparency, justice, and sustainability, can be an important framework in managing the finances of this generation. Meanwhile, digitalization such as fintech, blockchain, and artificial intelligence opens up opportunities for efficiency and accessibility in sharia accounting, but also presents challenges for technical integration and data protection in accordance with Islamic principles. This study underlines the importance of sharia financial literacy for Generation Z and the need for technology-based educational innovation so that sharia principles remain relevant in modern accounting practices.
Co-Authors Asmawarna Sinaga Fauzi Ardianti Khairani Sakdiah Lisya Amanda Nova Arma Dwi