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All Journal Majapahit Journal of Islamic Finance dan Management Majapahit Journal of Islamic Finance dan Management
Niswatin Niswatin
Universitas Negeri Gorontalo, Gorontalo, Indonesia
Decision Sciences, Operations Research & Management Economics, Econometrics & Finance

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The Influence of Religiosity and Hajj Waiting List on Customer Interest in Registering for Regular Hajj Quota (Case Study at Bank Muamalat Gorontalo Branch) Gita Purnamasari; Niswatin Niswatin; Ronald S. Badu
Majapahit Journal of Islamic Finance and Management Vol. 6 No. 1 (2026): Islamic Finance and Management
Publisher : Universitas KH. Abdul Chalim Mojokerto

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.31538/mjifm.v6i1.716

Abstract

This study aims to analyze the influence of religiosity and the Hajj waiting list on customers' interest in registering for a regular Hajj quota at Bank Muamalat, Gorontalo Branch. A quantitative research method was employed, with primary data collected through a questionnaire distributed to Bank Muamalat customers. The sample consisted of 97 respondents. Data processing was conducted using SPSS version 16, including validity testing, reliability testing, classical assumption testing, multiple linear regression analysis, hypothesis testing, and coefficient of determination analysis. The results of the study showed that partially, religiosity had a positive and significant effect on customers' interest in registering for regular Hajj portions. Likewise, the Hajj waiting list variable has a positive and significant effect on the interest in registering for the regular Hajj portion. Simultaneously, both religiosity variables and the Hajj waiting list have a significant effect on customers' interest in registering for regular Hajj portions at Bank Muamalat Gorontalo Branch. These findings provide practical implications for Bank Muamalat Gorontalo Branch in particular, and Islamic banking in general to increase interest in Hajj registration through strengthening the value of religiosity and transparency of waiting list information in their marketing programs.
The Effect of Customer Number and Inflation Level on Pawn Financing at the Agus Salim Sharia Service Unit (UPS) of Gorontalo City Iftita Maryam Nur Karim; Niswatin Niswatin; Ivan Rahmad Santoso
Majapahit Journal of Islamic Finance and Management Vol. 6 No. 1 (2026): Islamic Finance and Management
Publisher : Universitas KH. Abdul Chalim Mojokerto

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.31538/mjifm.v6i1.883

Abstract

This study aims to analyze the effect of the number of customers and the inflation rate on rahn (pawn) financing at the Sharia Pawnshop, Sharia Service Unit (UPS) Agus Salim, Gorontalo City, by incorporating a COVID-19 pandemic dummy variable to distinguish between conditions during and after the pandemic. This quantitative study uses secondary data sourced from Sharia Pawnshop's internal reports and the Central Statistics Agency for the period 2019-2024. The sample consisted of 72 months of observations. Data analysis was conducted using multiple linear regression with a dummy variable as a control variable, along with classical assumption tests, utilizing EViews version 13. The results indicate that, partially, neither the number of customers nor the inflation rate has a significant effect on rahn financing. However, simultaneously, both variables have a significant combined effect. Furthermore, a significant difference exists between the pandemic and post-pandemic periods, with the distribution of rahn financing increasing in the post-pandemic period.
The Influence of Religiosity and Hajj Waiting List on Customer Interest in Registering for Regular Hajj Quota (Case Study at Bank Muamalat Gorontalo Branch) Gita Purnamasari; Niswatin Niswatin; Ronald S. Badu
Majapahit Journal of Islamic Finance and Management Vol. 6 No. 1 (2026): Islamic Finance and Management
Publisher : Universitas KH. Abdul Chalim Mojokerto

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.31538/mjifm.v6i1.716

Abstract

This study aims to analyze the influence of religiosity and the Hajj waiting list on customers' interest in registering for a regular Hajj quota at Bank Muamalat, Gorontalo Branch. A quantitative research method was employed, with primary data collected through a questionnaire distributed to Bank Muamalat customers. The sample consisted of 97 respondents. Data processing was conducted using SPSS version 16, including validity testing, reliability testing, classical assumption testing, multiple linear regression analysis, hypothesis testing, and coefficient of determination analysis. The results of the study showed that partially, religiosity had a positive and significant effect on customers' interest in registering for regular Hajj portions. Likewise, the Hajj waiting list variable has a positive and significant effect on the interest in registering for the regular Hajj portion. Simultaneously, both religiosity variables and the Hajj waiting list have a significant effect on customers' interest in registering for regular Hajj portions at Bank Muamalat Gorontalo Branch. These findings provide practical implications for Bank Muamalat Gorontalo Branch in particular, and Islamic banking in general to increase interest in Hajj registration through strengthening the value of religiosity and transparency of waiting list information in their marketing programs.
The Effect of Customer Number and Inflation Level on Pawn Financing at the Agus Salim Sharia Service Unit (UPS) of Gorontalo City Iftita Maryam Nur Karim; Niswatin Niswatin; Ivan Rahmad Santoso
Majapahit Journal of Islamic Finance and Management Vol. 6 No. 1 (2026): Islamic Finance and Management
Publisher : Universitas KH. Abdul Chalim Mojokerto

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.31538/mjifm.v6i1.883

Abstract

This study aims to analyze the effect of the number of customers and the inflation rate on rahn (pawn) financing at the Sharia Pawnshop, Sharia Service Unit (UPS) Agus Salim, Gorontalo City, by incorporating a COVID-19 pandemic dummy variable to distinguish between conditions during and after the pandemic. This quantitative study uses secondary data sourced from Sharia Pawnshop's internal reports and the Central Statistics Agency for the period 2019-2024. The sample consisted of 72 months of observations. Data analysis was conducted using multiple linear regression with a dummy variable as a control variable, along with classical assumption tests, utilizing EViews version 13. The results indicate that, partially, neither the number of customers nor the inflation rate has a significant effect on rahn financing. However, simultaneously, both variables have a significant combined effect. Furthermore, a significant difference exists between the pandemic and post-pandemic periods, with the distribution of rahn financing increasing in the post-pandemic period.
Co-Authors Gita Purnamasari Iftita Maryam Nur Karim Ivan Rahmad Santoso Ronald S. Badu