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All Journal JAE (Jurnal Akuntansi dan Ekonomi) SAUJANA : Jurnal Perbankan Syariah dan Ekonomi Syariah
Twenty Desyen Manurung
Universitas Negeri Medan
Religion Humanities Economics, Econometrics & Finance Education Social Sciences

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Analisis Pemahaman Nasabah terhadap Akad Jual Beli pada Perbankan Syariah Grace Merienth Arha Silalahi; Irma Siagian; Twenty Desyen Manurung
SAUJANA : Jurnal Perbankan Syariah dan Ekonomi Syariah Vol 8 No 3 (2026): SAUJANA : Jurnal Perbankan Syariah dan Ekonomi Syariah
Publisher : LPPM STEI Kanjeng Sepuh Gresik Jawa Timur

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.59636/saujana.v8i3.489

Abstract

This study aims to analyze the level of customer understanding of the sale and purchase agreement in Islamic banking and identify factors influencing this understanding through a literature review. The study used a qualitative method with descriptive analysis based on library research. The research data came from various secondary sources, including books, scientific journal articles, Islamic banking regulations, DSN-MUI fatwas, and official reports (OJK). The data analysis technique was conducted using content analysis based on the Miles, Huberman, and Saldaña model through the stages of data reduction and presentation, as well as drawing conclusions and verification. The results show that education level, length of customer experience, and intensity of socialization from Islamic banks are the main factors influencing customer understanding of the sale and purchase agreement. Customers with higher levels of education tend to have better abilities in understanding the concept of the agreement and distinguishing between profit margin and interest mechanisms. In addition, longer transaction experience contributes to increased understanding through an experiential learning process. Socialization conducted by banks has also been proven to play a significant role in improving public Islamic financial literacy. A good understanding of the sale and purchase agreement has a positive impact on product usage decisions, customer satisfaction, and loyalty to Islamic banking. This research emphasizes the importance of strengthening public education strategies, ensuring contract transparency, and improving Islamic financial literacy as efforts to support the sustainable development of the Islamic banking industry.
Pengaruh peranan bank melalui kredit usaha dan tabungan masyarakat terhadap pertumbuhan UMKM di Indonesia pada Tahun 2018-2023 Nelin Maria Sianturi; Ade Rahma Sintya Siregar; Rani; SUSI PASARIBU; Twenty Desyen Manurung
JAE (JURNAL AKUNTANSI DAN EKONOMI) Vol 11 No 2 (2026): JAE (Jurnal Akuntansi dan Ekonomi)
Publisher : UNIVERSITAS NUSANTARA PGRI KEDIRI

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.29407/jae.v11i2.29058

Abstract

This study was conducted to examine the impact of the banking sector’s role—through the provision of business loans and the mobilization of public savings—on the development of Micro, Small, and Medium Enterprises (MSMEs) in Indonesia during the 2018–2023 period. The method used is a quantitative approach utilizing secondary data sourced from the Central Statistics Agency (BPS) and various other supporting sources. Data processing was performed using multiple linear regression analysis with the assistance of SPSS software. The results indicate that business credit has a positive and significant impact on MSME growth, as evidenced by a significance value of 0.013 and a regression coefficient of 1.951. On the other hand, public savings were also found to have a significant effect on SME growth with a significance value of 0.021; however, the direction of the relationship is negative, as reflected by a regression coefficient of -0.838. Together, the variables of business credit and public savings have a significant effect on SME growth, as indicated by an F-test significance value of 0.025. The coefficient of determination (R²) of 0.915 indicates that 91.5% of the variation in SME growth can be explained by these two variables. The results of this study confirm that the banking intermediation function plays a crucial role in driving SME development through the provision of productive, targeted, and sustainable financing.  
Co-Authors Ade Rahma Sintya Siregar Grace Merienth Arha Silalahi Irma Siagian Nelin Maria Sianturi Rani Susi Pasaribu