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All Journal Winter Journal: IMWI Student Research Journal AT TARIIZ : Jurnal Ekonomi dan Bisnis Islam
Ryan Fahmi Hikmat
Universitas Islam Negeri Profesor Kiai Haji Saifuddin Zuhri Purwokerto
Computer Science & IT Decision Sciences, Operations Research & Management Economics, Econometrics & Finance Environmental Science Languange, Linguistic, Communication & Media Social Sciences Other

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Analisis Integrasi Etika Bisnis Islam Dalam Implementasi Green Financing dan Sustainable Banking Pada Bank Syariah Indonesia Siti Maghfiroh; Saiful Ansori; Ryan Fahmi Hikmat
AT TARIIZ : Jurnal Ekonomi dan Bisnis Islam Vol 5 No 03 (2026): AT TARIIZ : JURNAL EKONOMI DAN BISNIS ISLAM
Publisher : Pusat Studi Ekonomi, Publikasi Ilmiah dan Pengembangan SDM

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.62668/attariiz.v5i03.2209

Abstract

This study aims to analyze the integration of Islamic business ethics in the implementation of green financing and sustainable banking at Bank Syariah Indonesia (BSI). The research employs a qualitative approach using library research. Data were collected from official BSI documents, including Sustainability Reports and Annual Reports, as well as academic literature and relevant regulations on sustainable finance. Data analysis was conducted through content analysis by linking Islamic business ethics principles justice, trust (amanah), public benefit (maslahah), and the prohibition of harm to banking sustainability practices. The findings indicate that BSI has integrated Islamic ethical values into green financing and sustainable banking through environmentally friendly financing, green MSME empowerment, and the application of ESG principles. Nevertheless, this integration still faces challenges, particularly a tendency toward legalistic compliance and the need to strengthen substantive ethical implementation beyond regulatory fulfillment.
AI-Based Personalization Marketing and Customer Loyalty in Sharia Banks: The Mediating Role of Customer Experience and Trust Ryan Fahmi Hikmat; Siti Maghfiroh
Winter Journal: IMWI Student Research Journal Vol. 7 No. 2 (2026): Winter Journal: IMWI Student Research Journal
Publisher : Institut Manajemen Wiyata Indonesia

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.52851/wt.v7i2.126

Abstract

The rapid digitalization of Islamic banking has expanded opportunities to use artificial intelligence (AI) for personalized marketing; however, personalized services do not necessarily translate directly into customer loyalty. This study examined the relationship between AI-based marketing personalization and customer loyalty, with customer experience and trust examined as individual and sequential mediators. A quantitative explanatory research design was employed using a cross-sectional survey of 350 Bank Syariah Indonesia customers in Banyumas Regency. Data were collected using structured questionnaires and analyzed through measurement model assessment, path analysis, and mediation analysis. The findings indicated that AI-based marketing personalization had positive effects on customer experience and trust, whereas its direct effect on customer loyalty was not statistically supported. Customer experience had positive effects on trust and customer loyalty, while trust also had a positive effect on customer loyalty. The mediation analysis indicated that AI-based marketing personalization was indirectly associated with customer loyalty through customer experience, trust, and the sequential mediation pathway from customer experience to trust. These findings suggest that AI-enabled personalization generates relational value when customers perceive personalized interactions as relevant, beneficial, and trustworthy. The study concludes that Islamic banks should integrate AI-based personalization with efforts to strengthen customer experience and trust rather than relying solely on technological sophistication. Practical priorities include providing relevant recommendations, maintaining transparent data practices, and enhancing customers' control over their personalization preferences to support sustainable banking relationships and strengthen customer loyalty.
Co-Authors Saiful Ansori Siti Maghfiroh