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All Journal Natuja: Jurnal Ekonomi Syariah 'Ibadatuna: Jurnal Pengabdian Masyarakat (PM)
Nur Muhammad
STAI Ahmad Sibawayhie Situbondo
Economics, Econometrics & Finance

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PENGARUH SISTEM BAGI HASIL DAN KUALITAS PELAYANAN TERHADAP KEPUTUSAN NASABAH MEMILIH TABUNGAN MUDHARABAH (TABAH) DI BMT NU CABANG BUNGATAN SITUBONDO Abdul Fatah; Nur Muhammad; Sri Yuniati; Nuri Ma'rifatul Laily
NATUJA: Jurnal Ekonomi Syariah Vol. 5 No. 2 (2026): Mei (2026)
Publisher : Department of Sharia Economics, Faculty of Islamic Economics and Business, Universitas Islam Ibrahimy Banyuwangi, Indonesia

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.69552/h45kcy55

Abstract

Amid growing competition in Islamic financial institutions, the ability to attract and retain customers has become crucial for the sustainability of products, especially Mudharabah Savings (TABAH) based on the profit-sharing principle. This study aims to examine the effect of profit-sharing system (X1) and service quality (X2) on customers' decisions (Y) to choose TABAH at KSPPS BMT NU Branch Bungatan Situbondo. A quantitative approach with an explanatory design was employed, involving 90 respondents selected through purposive sampling. The questionnaire instrument had been tested for validity and reliability. Data were analyzed using multiple linear regression, t-test, F-test, and coefficient of determination using SPSS. The results show that the profit-sharing system significantly affects customer decisions with a significance value of p = 0.003 < 0.05, and service quality significantly affects customer decisions with p = 0.000 < 0.05. Service quality proved to be the most dominant factor. The coefficient of determination of 0.549 confirms that 54.9% of customers' decisions can be explained by both variables. These findings underscore that the competitive advantage of Islamic financial institutions lies not only in financial returns but also in service quality that fosters trust and customer loyalty.  
AKSELERASI LEGALITAS USAHA MIKRO KECIL DAN MENENGAH (UMKM) MELALUI PROGRAM PENDAMPINGAN PEMBUATAN NOMOR INDUK BERUSAHA (NIB) DI DESA MLANDINGAN KABUPATEN SITUBONDO M. Munir; Nur Muhammad; Nuri Ma'rifatul Laily; Sri Yuniati; Badrus zaman
'Ibadatuna : Jurnal Pengabdian Masyarakat Vol 5 No 2 (2026): Ibadatuna Juli 2026
Publisher : P3M Sekolah Tinggi Agama Islam Miftahul Ulum

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.55120/ibadatjurnal.v5i2.2855

Abstract

Business legality is a crucial aspect of Micro, Small, and Medium Enterprise (MSME) development; however, some MSME owners in Mlandingan Village, Situbondo Regency, do not yet possess a Business Identification Number (NIB) due to low digital literacy and limited access to information. This community service initiative aimed to increase NIB ownership through awareness-raising programs and community-based registration assistance. The activities involved observation, interviews, Focus Group Discussions (FGDs), and direct assistance provided to eight MSME owners selected through purposive sampling. The assistance focused on the NIB registration process via the Online Single Submission (OSS) system and fostering an understanding of the importance of business legality. The results showed that all participants successfully obtained their NIBs. Furthermore, the participants' perceptions of business legality shifted; what was previously viewed as complicated and unimportant came to be seen as a strategic necessity for business development. The program's success was underpinned by a trust-based approach leveraging social networks and local Islamic educational institutions. This initiative demonstrates that participatory, community-based assistance is effective in enhancing MSME business legality at the village level.
Co-Authors Abdul Fatah Badrus zaman M. Munir Nuri Ma&#039;rifatul Laily Nuri Ma'rifatul Laily Sri Yuniati