Syahruddin Yasen
Institut Teknologi dan Bisnis Nobel Indonesia, Indonesia

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The Influence of Islamic Marketing Values on Customer Decisions and Repeat Intention in Islamic Banking Syahruddin Yasen
Jurnal Ilmiah Manajemen Kesatuan Vol. 13 No. 6 (2025): JIMKES Edisi November 2025
Publisher : LPPM Institut Bisnis dan Informatika Kesatuan

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.37641/jimkes.v13i6.3806

Abstract

The rapid growth of Islamic banking in Indonesia has not been matched by consistent customer loyalty, raising questions about the effectiveness of Islamic marketing strategies. This study aims to analyze the influence of Islamic marketing values on customers’ repeat intention toward Islamic banks in South Sulawesi, with customer decision-making as a mediating variable. The Islamic marketing values examined include Islamic quality management, Islamic bank promotion, Islamic product characteristics, and individual thought characteristics. A quantitative approach was employed using a survey of 200 respondents. Data were analyzed using Structural Equation Modeling (SEM) with SmartPLS. The results indicate that promotion and product characteristics have a significant effect on customer decision-making, while quality management and individual thought characteristics do not. Furthermore, customer decision-making strongly affects repeat intention and mediates the relationship between promotional strategies, product features, and loyalty. Promotion also directly impacts repeat intention, underlining the importance of transparent and Sharia-compliant communication. The results highlight that customer loyalty is not merely shaped by religiosity but by how effectively Islamic principles are operationalized and communicated through products and marketing.
The Role of STAF-Based Digital Transformation in Enhancing Financial Inclusion in Islamic Rural Banks in Indonesia Syahruddin Yasen; Halihasimi Halihasimi; Endy Muhammad Astiwara
Jurnal Ilmiah Manajemen Kesatuan Vol. 14 No. 4 (2026): JIMKES Edisi Juli 2026
Publisher : LPPM Institut Bisnis dan Informatika Kesatuan

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.37641/jimkes.v14i4.5469

Abstract

The rapid development of digital technology has created both opportunities and challenges for Islamic financial institutions in expanding financial inclusion. This study examines the role of STAF-based (Shiddiq, Tabligh, Amanah, and Fathanah) digital transformation in enhancing financial inclusion within Islamic Rural Banks (Bank Pembiayaan Rakyat Syariah/BPRS) in Indonesia. The research employs a library research approach by reviewing relevant books, scientific journals, institutional reports, and previous studies related to digital transformation, Islamic financial inclusion, and Islamic banking. Data were analyzed using content analysis to identify patterns, relationships, and key insights concerning the integration of Islamic ethical values into digital transformation initiatives. The findings indicate that digital transformation contributes significantly to expanding access to financial services, improving operational efficiency, and reaching underserved communities. Furthermore, incorporating STAF values strengthens transparency, communication, accountability, innovation, and customer trust, which are essential to promoting financial inclusion. The study concludes that STAF-based digital transformation provides a value-driven framework that aligns technological advancement with Islamic ethical principles, thereby supporting the sustainable development of BPRS and fostering inclusive financial growth in Indonesia.