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Faktor-Faktor Yang Mempengaruhi Pelaku UMKM Memilih Pembiayaan iB Muamalat Modal Kerja Melalui Inklusi Keuangan Syariah Huurun’iin, Huurun’iin; Ali HT, Herni; Meiria, Endah; Arafah, Santi
Jurnal Ilmiah Ekonomi Islam Vol 10, No 3 (2024): JIEI : Vol.10, No.3, 2024
Publisher : ITB AAS INDONESIA Surakarta

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.29040/jiei.v10i3.14775

Abstract

This study aims to determine how influential financial experience, Islamic financial knowledge, and Islamic financial attitudes are on iB Muamalat Working Capital financing at PT. Bank Muamalat KCP Sumber through Islamic financial inclusion. The population and sample of this study are Micro, Small and Medium Enterprises that have recorded using iB Muamalat Working Capital financing at PT Bank Muamalat KCP Sumber which amounted to 96 customers. This study uses quantitative methods, namely data measured on a numerical scale, which is based on cross section data taken at one time with the use of data analysis in the form of SEM-PLS. The results of the research conducted with a confidence level of 95% based on sig. 5%, then the Islamic financial inclusion variable affects financial experience and Islamic financial knowledge, but Islamic financial inclusion does not affect Islamic financial attitudes. And the variables of financial experience, Islamic financial knowledge, Islamic financial attitudes affect iB Muamalat Working Capital financing based on sig value
PENGARUH TOTAL PEMBIAYAAN,  NPF, DAN BOPO TERHADAP LABA BANK UMUM SYARIAH PERIODE 2019-2023 Matondang, Nurhaliza; Meiria, Endah
Bina Ekonomi Vol. 29 No. 1 (2025): Bina Ekonomi: Majalah Ilmiah Fakultas Ekonomi Universitas Katolik Parahyangan
Publisher : Center for Economic Studies Universitas Katolik Parahyangan

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.26593/be.v29i1.8121.%p

Abstract

The increase in profits is one of the factors to strengthen the market share position of Islamic banks. The increase in profit depends on the bank's activities themselves, both from financing which is the main source of income for the bank and from its operational implementation. The purpose of this study is to be able to know the effect of total financing, Non Performing Financing (NPF), and operational efficiency (BOPO) on the net profit of the Sharia General Bank (BUS). Data analysis was in the form of panel data regression analysis using annual data 2019-2023 using 6 BUS samples through purposive sampling techniques. The results shown through this study are that partially total financing has a positive influence while NPF and BOPO have a negative effect on net profit. Simultaneously, this study shows that total financing, NPF, and BOPO affect the net profit of Sharia Commercial Banks..
PENGARUH TOTAL PEMBIAYAAN,  NPF, DAN BOPO TERHADAP LABA BANK UMUM SYARIAH PERIODE 2019-2023 Matondang, Nurhaliza; Meiria, Endah
Bina Ekonomi Vol. 29 No. 1 (2025): Bina Ekonomi: Majalah Ilmiah Fakultas Ekonomi Universitas Katolik Parahyangan
Publisher : Center for Economic Studies Universitas Katolik Parahyangan

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.26593/be.v29i1.8121.%p

Abstract

The increase in profits is one of the factors to strengthen the market share position of Islamic banks. The increase in profit depends on the bank's activities themselves, both from financing which is the main source of income for the bank and from its operational implementation. The purpose of this study is to be able to know the effect of total financing, Non Performing Financing (NPF), and operational efficiency (BOPO) on the net profit of the Sharia General Bank (BUS). Data analysis was in the form of panel data regression analysis using annual data 2019-2023 using 6 BUS samples through purposive sampling techniques. The results shown through this study are that partially total financing has a positive influence while NPF and BOPO have a negative effect on net profit. Simultaneously, this study shows that total financing, NPF, and BOPO affect the net profit of Sharia Commercial Banks..
Pengaruh Marketing Mix 5Cs Terhadap Loyalitas Nasabah Melalui Kepuasan Nasabah Bank Syariah Indonesia Tangerang Selatan Lestari, Riski Eka; Meiria, Endah; Saharuddin, Desmadi
Jurnal Ilmiah Ekonomi Islam Vol. 9 No. 3 (2023): JIEI : Vol.9, No.3, 2023
Publisher : ITB AAS INDONESIA Surakarta

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.29040/jiei.v9i3.8622

Abstract

This study aims to analyze the Effect of Marketing Mix 5Cs (Conformity, Character, Commitment, Conscience and Customer Centrism) on Customer Loyalty through Customer Satisfaction of BSI South Tangerang. This research is a quantitative study using Multiple Linear Regression and Sobel Test through Microsoft Excel 2010 and SPSS version 26. The population of this research is BSI South Tangerang customers, 100 respondents were taken as a sample using purposive sampling technique. The results showed that the 5Cs Marketing Mix simultaneously had a significant effect on customer satisfaction and there was a significant effect on customer loyalty. Partially, Conformity has a positive and significant effect on Customer Satisfaction, while Character, Commitment, Conscience and Customer Centrism have no significant effect. Likewise Commitment and Customer Satisfaction have a positive and significant effect on Customer Loyalty, while Conformity, Character, Conscience and Customer Centrism have no significant effect. The results of the Sobel test show that Customer Satisfaction as an intervening variable is able to mediate Conformity to Customer Loyalty, while Character, Commitment, Conscience and Customer Centrism to Customer Loyalty are unable to be mediated by Customer Satisfaction. So this shows that the 5Cs Marketing Mix of Bank Syariah Indonesia (BSI) South Tangerang is quite satisfying but has not been able to increase customer loyalty. Therefore BSI must improve the quality of service to customer needs.
Faktor-Faktor Yang Mempengaruhi Pelaku UMKM Memilih Pembiayaan iB Muamalat Modal Kerja Melalui Inklusi Keuangan Syariah Huurun’iin, Huurun’iin; Ali HT, Herni; Meiria, Endah; Arafah, Santi
Jurnal Ilmiah Ekonomi Islam Vol. 10 No. 3 (2024): JIEI : Vol.10, No.3, 2024
Publisher : ITB AAS INDONESIA Surakarta

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.29040/jiei.v10i3.14775

Abstract

This study aims to determine how influential financial experience, Islamic financial knowledge, and Islamic financial attitudes are on iB Muamalat Working Capital financing at PT. Bank Muamalat KCP Sumber through Islamic financial inclusion. The population and sample of this study are Micro, Small and Medium Enterprises that have recorded using iB Muamalat Working Capital financing at PT Bank Muamalat KCP Sumber which amounted to 96 customers. This study uses quantitative methods, namely data measured on a numerical scale, which is based on cross section data taken at one time with the use of data analysis in the form of SEM-PLS. The results of the research conducted with a confidence level of 95% based on sig. 5%, then the Islamic financial inclusion variable affects financial experience and Islamic financial knowledge, but Islamic financial inclusion does not affect Islamic financial attitudes. And the variables of financial experience, Islamic financial knowledge, Islamic financial attitudes affect iB Muamalat Working Capital financing based on sig value