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All Journal International Conference on Islamic Economic JIMEK
Windy Adinda Sari
Universitas Islam Negeri Sumatera Utara
Economics, Econometrics & Finance

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Assessing the Contribution of Hajj Savings Customers and Hajj Savings Deposits to Third-Party Fund Growth Windy Adinda Sari; Tuti Anggraini; Nurul Inayah
International Conference on Islamic Economic (ICIE) Vol. 5 No. 1 (2026): April
Publisher : Sekolah Tinggi Agama Islam Darul Ulum Banyuanyar Pamekasan

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.58223/sqqfen52

Abstract

Third-Party Funds (TPF) are the primary funding source for Islamic banks, yet the increasing number of customers does not always correspond to optimal growth in TPF. Likewise, although Hajj Savings based on the Wadiah Yad Dhamanah contract have become an increasingly popular savings product, empirical evidence regarding their contribution to TPF growth remains limited, particularly in regional Islamic banks. This study aims to examine the contribution of the number of customers and Hajj Savings funds under the Wadiah Yad Dhamanah contract to the growth of Third-Party Funds at PT Bank Sumut Sharia Sub-Branch Office Panyabungan. This study employed a quantitative associative approach using quarterly secondary data for the 2021–2025 period. Data were analyzed using multiple linear regression with SPSS. The findings reveal that the number of customers and Hajj Savings funds each have a positive and significant effect on Third-Party Funds, and jointly explain 85.3% of the variation in TPF growth. The study contributes empirical evidence that optimizing Hajj Savings products, alongside customer growth, can strengthen sustainable Third-Party Fund mobilization strategies in regional Islamic banking institutions.
Implementasi Ekonomi Syariah Tanpa Riba Sebagai Model Strategi Masyarakat Nagori Senio Membangun Kemandirian Finansial Azizah Hanum; Windy Adinda Sari; Zahratun Aini; Devi Indriyani; Irfan Fauzan Marpaung
Jurnal Ilmu Manajemen, Ekonomi dan Kewirausahaan Vol. 6 No. 1 (2026): Maret: Jurnal Ilmu Manajemen, Ekonomi dan Kewirausahaan (JIMEK)
Publisher : Lembaga Pengembangan Kinerja Dosen

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.55606/jimek.v6i1.9462

Abstract

This study aims to analyze the understanding, implementation, and strategies of the Nagori Senio community in applying the principles of interest-free (riba-free) Islamic economics as a foundation for strengthening financial independence. A community empowerment approach was employed through socialization, education, and collaboration with village authorities and Islamic financial institutions to enhance Islamic financial literacy and encourage changes in economic behavior. The results indicate that the community's understanding of riba, Islamic contracts (aqad), and muamalah principles is strongly influenced by access to education and experience in utilizing Islamic financial services. Continuous education has been proven to improve the community’s to distinguish between halal and non-halal transactions and promote prudence in selecting financing sources. The implementation of riba-free principles is reflected in the utilization of murabahah, mudharabah, musyarakah, and qardhul hasan contracts, providing fairer and more transparent financing alternatives for both the community and MSME actors. Islamic financial institutions play a crucial role in providing interest-free capital access and helping the community avoid dependency on high-interest loans. Strategies for financial independence are carried out through the enhancement of Islamic literacy, business mentoring, and the use of sustainable Islamic microfinance. These findings demonstrate that riba-free Islamic economics can serve as an effectivframework for strengthening local economic resilience and promoting the welfare development of rural communities.
Co-Authors Azizah Hanum Devi Indriyani Irfan Fauzan Marpaung Nurul Inayah Tuti Anggraini Zahratun Aini