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All Journal Budimas : Jurnal Pengabdian Masyarakat Kartika: Jurnal Studi Keislaman
Lailatul Maslakhah
Universitas Yudharta Pasuruan
Religion Humanities Economics, Econometrics & Finance Education Social Sciences Other

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sosialisasi prosedur dan manfaat pembiayaan emas bagi Nasabah di Bank Syariah Indonesia KCP Pandaan Pasuruan Hirda Prastira; Wirda Isti'anatuz Zulfa; Lailatul Maslakhah; Afidatu Aininnisa; Sukamto
BUDIMAS : JURNAL PENGABDIAN MASYARAKAT Vol. 8 No. 1 (2026): BUDIMAS : Jurnal Pengabdian Masyarakat
Publisher : LPPM ITB AAS Indonesia Surakarta

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.29040/budimas.v8i1.18664

Abstract

Public literacy regarding Sharia-compliant gold financing products is stillrelatively low, leading to misperceptions regarding the application procedures andbenefits of halal investments at Bank Syariah Indonesia (BSI) Pandaan Branch Office,Pasuruan. This community service activity aims to improve customer and prospectivecustomer understanding of the procedures, contracts, and economic and shariacompliant benefits of gold financing through a participatory and educational approach.The outreach program was conducted in November 2025 in the Pandaan area with thecoordination center at BSI Pandaan Branch Office, involving four implementers: Hirda,Wirda, Fida, and Lail. The implementation method included identifying needs throughinitial interviews, developing simple materials, educational presentations, two-waydiscussions, simulating the application process, distributing brochures, and evaluatingthrough a quick survey. The results of the activity showed a significant increase inparticipant understanding, including an increase in understanding of financingprocedures from 45% to 85%, understanding of benefits from 50% to 88%, and anincrease in interest in applying in the next three months from 35% to 72%. Thesefindings indicate that interactive educational methods based on simulations anddiscussions are effective in increasing literacy, reducing perceived process complexity,and increasing trust in financing products. However, this activity has severallimitations: participants can only be present in the bank area and the evaluation canonly be conducted within a short time. Overall, this program is a strategic effort toincrease knowledge about Islamic finance and halal investment culture in the Pandaancommunity.Keywords: Gold financing, Islamic financial literacy, educational socialization,Bank Syariah Indonesia, halal investment, Pandaan
Determinan Loyalitas Nasabah pada Perbankan Syariah: Analisis Peran Switching behavior Lailatul Maslakhah; Muhammad Nizar; Abdillah Mundir
Kartika: Jurnal Studi Keislaman Vol. 6 No. 3 (2026): Kartika: Jurnal Studi Keislaman (August)
Publisher : Lembaga Pendidikan Tinggi Nahdlatul Ulama (LPT NU) PCNU Kabupaten Nganjuk

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.59240/kjsk.v6i3.877

Abstract

This study analyzes the influence of service quality, sharia compliance, and digital banking on customer loyalty, with switching behavior as a mediating variable among customers of Bank Syariah Indonesia (BSI) KCP Pandaan. Using an explanatory quantitative approach, primary data were collected from 100 respondents through purposive sampling and analyzed using SmartPLS-based SEM. The results show that sharia compliance has a negative and significant effect on switching behavior, meaning stronger implementation of sharia principles reduces customers' tendency to switch banks. However, service quality and digital banking show no significant effect on switching behavior. Switching behavior is also found unable to mediate the relationships between the independent variables and customer loyalty. These findings confirm that loyalty in Islamic banking is driven more by commitment to sharia principles than by functional service or digital technology. The study is limited to one branch office with a small sample, so further testing across broader areas is needed. Practically, Islamic banks should strengthen sharia compliance as their main strategy to retain customers. This research offers a fresh perspective on switching behavior by positioning sharia compliance as the primary determinant of customer loyalty amid increasingly intense banking competition
Co-Authors Abdillah Mundir Afidatu Aininnisa Hirda Prastira Muhammad Nizar Sukamto . Wirda Isti'anatuz Zulfa