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All Journal JCAIP: Journal of Contemporary Applied Islamic Philanthropy Journal of Islamic Digital Economic and Finance (JIDEF)
Hotman Hotman
Universitas Islam Negeri Jurai Siwo Lampung, Indonesia
Religion Computer Science & IT Economics, Econometrics & Finance Social Sciences

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Digital Service Impact on Islamic Bank Customer Loyalty in Urban Communities: A Comparative Study in Bandar Lampung and Metro Muhammad Afnie Adam; Hotman Hotman; Ahmad Hazas Syarif; Agus Kurniawan
Journal of Islamic Digital Economic and Finance Vol. 2 No. 01 (2026): Journal of Islamic Digital Economic and Finance (JIDEF)
Publisher : Nuban Jagadhita Centre

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.2711/jidef.v2i01.569

Abstract

Objective: This study aims to analyze the impact of digital services, including mobile banking, internet banking, and app-based services, on customer loyalty in Islamic banks operating in urban areas. Bandar Lampung and Metro City in Lampung Province were selected as study locations to examine differences in digital banking adoption and customer behavior within distinct urban ecosystems. Method: This study employs a quantitative survey design using a Structural Equation Modeling (SEM) approach based on Partial Least Squares (PLS-SEM). A total of 320 active customers of Islamic banks in Bandar Lampung and Metro City were selected through purposive sampling. The variables examined include ease of use, transaction security, digital service quality, trust, customer satisfaction, and customer loyalty. Data analysis was conducted to assess direct, mediating, and moderating relationships among the variables. Result: The findings reveal that ease of use (β = 0.312, p < 0.01), transaction security (β = 0.289, p < 0.01), and digital service quality (β = 0.341, p < 0.01) positively and significantly influence customer satisfaction. Customer satisfaction serves as a strong mediating variable in the relationship between digital services and customer loyalty (β = 0.427, p < 0.001). Trust was also found to moderate this relationship significantly (β = 0.198, p < 0.05). Moreover, customers in Bandar Lampung exhibit higher levels of digital service adoption than those in Metro City. Implication: This study has practical implications for Islamic bank management, including increasing investment in digital infrastructure to build sustainable customer loyalty and developing structured digital literacy programs, particularly in areas with lower adoption rates, such as Metro City. Novelty: This study contributes to the literature by adopting a comparative urban ecosystem perspective, contrasting a regional economic center with a developing satellite city. It also integrates trust as a moderating variable within the PLS-SEM framework, providing a more comprehensive understanding of customer loyalty formation in the context of digitalization in Islamic banking in Indonesia.
Zakat Distribution for Education as an Instrument of Human Development: An Analysis from the Perspectives of Fiqh and Maqasid al-Shariah at LAZISMU Lampung Muhammad Arif Budiman Kasim; Hotman Hotman; Diana Ambarwati
Journal of Contemporary Applied Islamic Philanthropy Vol. 4 No. 2 (2026): JCAIP
Publisher : Nuban Jagadhita Centre

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.62265/jcaip.v4i2.614

Abstract

Purpose: The utilization of zakat funds for educational scholarship programs has increasingly developed as an instrument of human empowerment. However, it continues to raise debates concerning its fiqh legitimacy, particularly regarding the fi sabilillah category, the principle of tamlik, and its implementation in realizing the objectives of maqāṣid al-sharīʿah. Meanwhile, previous studies have predominantly focused on program effectiveness and zakat governance, while empirical research integrating the implementation of zakat distribution with fiqh and maqāṣid al-sharīʿah perspectives remains limited. This study aims to analyze the distribution of zakat for educational scholarships at LAZISMU Lampung from the perspectives of fiqh and maqāṣid al-sharīʿah. Methodology: The study employs a qualitative approach with a case study design, using in-depth interviews, observation, and documentation as data collection techniques. Findings: The findings indicate that zakat distribution is implemented through structured mechanisms of beneficiary selection, verification, distribution, monitoring, and mentoring, thereby fulfilling the principles of fi sabilillah and tamlik. The program also contributes to the achievement of maqāṣid al-sharīʿah, particularly ḥifẓ al-ʿaql, ḥifẓ al-māl, and ḥifẓ al-nasl. The novelty of this study lies in developing an integrative analysis that connects the implementation of educational zakat with fiqh legitimacy and the achievement of maqāṣid al-sharīʿah. It demonstrates that educational zakat serves not merely as social assistance but also as an instrument for sustainable human resource development within contemporary Islamic philanthropy.
Co-Authors Ahmad Hazas Syarif Diana Ambarwati Kurniawan, Dwi Agus Muhammad Afnie Adam Muhammad Arif Budiman Kasim