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All Journal Ulul Albab: Jurnal Studi Islam Jurnal Ekonomi dan Bisnis Islam Economica: Jurnal Ekonomi Islam al-Uqud : Journal of Islamic Economics Shirkah: Journal of Economics and Business Jurnal IMPACT: Implementation and Action International Journal of Zakat (IJAZ) AL-ARBAH: Journal of Islamic Finance and Banking Jurnal Alwatzikhoebillah : Kajian Islam, Pendidikan, Ekonomi, Humaniora Jurnal Ekonomi dan Perbankan Syariah Islamiconomic: Jurnal Ekonomi Islam Indonesian Journal of Islamic Literature and Muslim Society International Journal of Islamic Business and Economics (IJIBEC) Wahana Riset Akuntansi
Fuadi, Nasrul Fahmi Zaki
Universitas Islam Negeri Walisongo Semarang
Religion Arts Humanities Economics, Econometrics & Finance Education Environmental Science Social Sciences Other

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Analysis Of The Quality Of Electronic Service Es-Qual And E-Recs-Qual Models In The Bsi Mobile Application To The Level Of Customer Loyalty At Bsi Bank Adinda Nur Syafina Putri; Zuhdan Ady Fataron; Nasrul Fahmi Zaki Fuadi
AL-ARBAH: Journal of Islamic Finance and Banking Vol 5, No 1 (2023)
Publisher : Universitas Islam Negeri (UIN) Walisongo Semarang

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.21580/al-arbah.2023.5.1.17969

Abstract

AbstractPurpose - This study aims to analyze the electronic service model ES-Qual and E-Recs-Qual in the BSI Mobile application at the level of customer loyalty at the BSI bank KCP Kendal Weleri Central Java.Method - Research is a study that uses quantitative methods, with primary data from questionnaires filled out directly by customers. The population was 1.015, according to USAK data. The sample used was 85 respondents.Result - The results obtained in this study indicate the results of the simultaneous test of the eight variables significantly contributed. In partial test results, variables that have a positive and significant effect on the level of loyalty are efficiency variables, privacy, compensation, and compatibility of mobile device variables. While the variables of reliability, fulfillment, responsiveness, and contact do not have a significant influence on the level of customer loyalty.Implication - This research will have an impact on how to increase customer loyalty regarding the services provided by BSI bank in relation to the mobile banking application.Originality - This study analyzes the relationship between the electronic service variables of the ES-Qual and E-Recs-Qual models in the BSI Mobile application at the level of customer loyalty.
Implementation of Green Banking Policy at Indonesian Islamic Banks Arsy, Rastiana Alfaaghiyatul; Agriyanto, Ratno; Fuadi, Nasrul Fahmi Zaki
Jurnal Ekonomi dan Perbankan Syariah Vol 11, No 2 (2023): Journal of Islamic Economics and Banking
Publisher : Institut Agama Islam (IAI) SEBI

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.46899/jeps.v11i2.445

Abstract

Therefore, this study aims to determine the effect of knowledge and policies on the implementation of green banking at Bank Syariah Indonesia (BSI) Branch Offices (KC)  Semarang. This research uses a quantitative research type with purposive sampling using a census technique. Researchers distributed a questionnaire (questionnaire) to collect data. This research method is a quantitative method. This research utilizes quantitative methods as a method for analyzing research questions. This study obtains primary data by interacting directly in the field and the results of distributing questionnaires to samples that will be distributed to respondents from Bank BSI employees. This questionnaire tool can be estimated using a Likert scale. Regression analysis method is a method of statistical science that shows the relationship or causal relationship between two or more variables. To prove the hypothesis in this study, researchers used statistical tests supported by econometric tests using the Simultaneous Test (F Test), Partial Test (T Test), and Coefficient of Determination Test (R²). The results showed that knowledge have no significant effect on the application of green banking. This is indicated by the t value of 0.973 with a significance value of 0.334. Meanwhile, the policy has a positive and significant effect on the implementation of green banking.
THE BEHAVIOR OF BANKERS TOWARDS PROFIT AND LOSS SHARING CONTRACTS: A Modified Theory of Planned Behavior Approach Agriyanto, Ratno; Fatoni, Nur; Fuadi, Nasrul Fahmi Zaki; Irfan, Mohammad; Husnurrosyidah, Husnurrosyidah
Ulul Albab: Jurnal Studi Islam Vol 23, No 2 (2022): Islamic Law and Economic
Publisher : Universitas Islam Negeri Maulana Malik Ibrahim Malang

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.18860/ua.v23i2.17038

Abstract

This paper aims at determining the psychological factors of bankers in implementing Profit and Loss Sharing (PLS) financing contracts in Islamic banks. The phenomenon of low occurrence of PLS financing motivated the researcher to write this paper. The theory of modified planned behavior is used to explain the research problem. The research data were obtained from 139 employees of Islamic banks in Indonesia and processed using SEM-PLS. The results show that trust has an effect on attitudes; subjective attitudes and norms affect intentions; perceived behavioral control has no effect on intention and behavior; intention influences behavior; and the perception of inefficiency has a negative effect on the relationship between intention and behavior. This paper contributes to the elaboration of the psychological factors affecting the behavior of bankers in implementing PLS. The implications of this paper for designing the strategies to improve the bankers' behavior in PLS financing are: the management must boost the bankers' confidence for the PLS financing benefits; the stakeholder’s social pressure is needed; the authority of bankers in implementing PLS financing needs to be increased; the bankers' access to the partner’s financial reports needs to be expanded; and the regulators need to give appreciation to Islamic banks that have a larger PLS portfolio.
Do organizational characteristics and audit opinion affect zakat performance? Zakiy, Faris Shalahuddin; Agriyanto, Ratno; Farida, Dessy Noor; Rahmiyanti, Firdha; Fauziah, Najim Nur; Fuadi, Nasrul Fahmi Zaki
al-Uqud : Journal of Islamic Economics Vol. 8 No. 2 (2024): July
Publisher : Universitas Negeri Surabaya

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.26740/al-uqud.v8n2.p211-226

Abstract

This research aims to examine the influence of organizational characteristics and audit opinion on zakat performance in Indonesia. The study examines 33 zakat institutions in Indonesia from 2017 to 2021, with 151 observations. Zakat performance in this study is measured using activity ratios, growth ratios, and excess zakat scores. The independent variables in this study are organizational characteristics (i.e. organizational age and organizational size) and audit opinion. The data is analyzed using data panel regression. The research findings indicate that audit opinion positively and significantly impacts zakat performance. Organizational size has a positive and significant impact on zakat performance in model 1, while it does not impact other models. Organizational age does not have an impact on zakat performance. This study highlights the importance of effective and efficient zakat management. Additionally, accountability and transparency reflected through audit opinions can minimize the potential for information asymmetry and conflicts of interest between agents and principals. Therefore, the organization's operational experience, asset growth, and audit opinion can enhance zakat performance in terms of the growth of fund collection and the practical and innovative distribution of zakat, infaq, and shadaqa funds.
The Future of Waqf: Digital Transformation and Customer Adoption in Islamic Banking Zaki Fuadi, Nasrul Fahmi; Khabibah, Ani Nur; Irfan, Mohammad
ISLAMICONOMIC: Jurnal Ekonomi Islam Vol 15, No 1 (2024)
Publisher : Universitas Islam Negeri Sultan Maulana Hasanuddin Banten

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.32678/ijei.v%vi%i.832

Abstract

This research explores Islamic bank customers' acceptance of the digitalization of cash waqf as a form of waqf transformation in Indonesia. Cash waqf has great potential to support the economic development of the people through social funding sources. By utilizing digital technology, cash waqf transformation aims to increase community participation, expand the scope of waqf, and realize broader social benefits. Based on the Unified Theory of Acceptance and Use of Technology (UTAUT) model, this research analyzes factors such as performance expectations, business expectations, social influence, and facilitating conditions on customer acceptance. The research results show that all variables have a significant influence, but aspects of religiosity, belief and other factors need to be investigated further. This research contributes to the development of a digitalization system for cash waqf in the sharia banking sector to increase inclusion and effectiveness of waqf.
Stagnation of Islamic Banking In Indonesia: Analysis Factors And Solutions Ratno Agriyanto, Ratno Agriyanto; Ali Murtadho; Nasrul Fahmi Zaki Fuadi; Muhammad Saifullah; Siti Mujibatun; Abdulhamid Ali Abukil
International Journal of Islamic Business and Economics (IJIBEC) Vol 7 No 1 (2023): Volume 7 Nomor 1 Tahun 2023
Publisher : Universitas Islam Negeri K.H. Abdurrahman Wahid Pekalongan

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.28918/ijibec.v7i1.6923

Abstract

This study aims to shed light on why there hasn't been a noticeable rise in Islamic banks during the past three decades of their existence. Data were gathered for this qualitative study through observation, interviews, and documentation studies. The study's findings demonstrate that the growth of Islamic banks has slowed, as evidenced by their low market share, declining financing deposit ratio (FDR), and declining return on assets (ROA). The expansion of the Islamic Banking staff network and offices has also slowed down. Islamic banking's initial reasons for stagnation include its subpar performance in carrying out social tasks, specifically the collecting and distribution of cash. The second requirement is the capacity to apply sharia principles to every banking activity. The three Arabic term labels on the goods offered by Islamic Banking continue to cause confusion in the community. Fourth, judicial disputes unrelated to banking include entities and people associated with sharia designations, which have an effect on public confidence. To change the stagnation of Islamic banks, strategic steps including expanding their social role are required.
COMPETITION IN BUSINESS: ANALYSIS OF FACTORS AFFECTING CUSTOMERS SWITCHING INTENTION OF CONVENTIONAL BANKS TO ISLAMIC BANKS IN CENTRAL JAVA Firdiyanti, Shovia Indah; Abdillah, Mujiyono; Prasetyoningrum, Ari Kristin; Fuadi, Nasrul Fahmi Zaki
Jurnal Alwatzikhoebillah : Kajian Islam, Pendidikan, Ekonomi, Humaniora Vol. 8 No. 2 (2022): Jurnal Alwatzikhoebillah: Kajian Islam, Pendidikan, Ekonomi, Humaniora
Publisher : Institut Agama Islam Sultan Muhammad Syafiuddin Sambas

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.37567/alwatzikhoebillah.v8i2.1992

Abstract

This study uses a combination of two theories, namely Theory Reasoned Action (TRA) and Theory Push-Pull-Mooring (PPM). This study aims to determine the effect of religious attitude, alternative attractiveness and subjective norm on customers switching intention. The research method used is quantitative. This study uses primary data distributed to respondents with purposive sampling technique. The population in this study are Islamic bank customers who have previously been customers of conventional banks in Central Java who are Muslim. The sample used is 100 respondents obtained through distributing questionnaires. This research uses multiple regression analysis technique with Smart-PLS software. The results of hypothesis testing indicate that religious attitude, alternative attractiveness and subjective norm have a positive and significant effect on customers switching intentions on Islamic bank customers. The result of the highest influence is shown by the subjective norm variable with a regression coefficient value of 0,375 with a significance value of 0,000. This means that a person's intention to perform a behavior can be built through their social environment. The greater the support from the social environment such as family, friends, neighbors and religious leaders can influence the intention of conventional customers to immediately switch to Islamic bank.
IMPLEMENTASI AKAD AL-IJARAH AL-MAUSHUFAH FI AL-DZIMMAH SEBAGAI ALTERNATIF PEMBIAYAAN DI LEMBAGA KEUANGAN SYARIAH INDONESIA Fuadi, Nasrul Fahmi Zaki
Indonesian Journal of Islamic Literature and Muslim Society Vol. 4 No. 2 (2019): December 2019
Publisher : UIN Raden Mas Said Surakarta

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.22515/islimus.v4i2.1750

Abstract

The development of Sharia Banking in Indonesia has increased quite well, both from Assets, Third Party Funds (DPK), and Distributed Financing (PYD). Developments are caused by joint efforts to develop Islamic Banking in Indonesia. This can be seen from the commitment of the Indonesian Ulema Council (MUI) in guarding from the side of the availability of fatwa. One example of his fatwa is the DSN-MUI Fatwa NO: 101 / DSN-MUI / X / 2016 Tentang 101-Akad Al-Ijarah Al-Maushufah Fi Al-Dzimmah. But in practice, the contract used in Islamic Banking is still dominated by murabahah contracts. So the researcher feels it is important to examine how the role and implementation of the contract in products and services in Islamic banking. The researcher also discussed how the fiqh study of muamalah was about the al-Ijarah al-Maushufah Fi al-Dzimmah contract.
REACTION OF ISLAMIC STOCK MARKET TO MACROECONOMIC VARIABLES: A STUDY OF INDIA AND INDONESIA Irfan, Mohammad; Kassim, Salina; Dhimmar, Sonali; Zahid, Mohd; Fuadi, Nasrul Fahmi Zaki
Jurnal Ekonomi dan Bisnis Islam (Journal of Islamic Economics and Business) Vol. 7 No. 1 (2021): JANUARY-JUNE 2021
Publisher : Universitas Airlangga

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.20473/jebis.v7i1.25921

Abstract

India and Indonesia are among the world-largest democracies, having a strong international presence through involvement in various economic and intergovernmental organizations such as in the E7 countries and G20 countries groups. This study aims to identify the impact of macroeconomic variables on the Islamic stock markets of India and Indonesia. Two Islamic stock market indices are considered: the Indian Bombay Stock Exchange (BSE) Shariah Index and the Indonesian Jakarta Islamic Index (JII). At the same time, the macroeconomic variables are foreign direct investment (FDI), import, export, gross domestic product (GDP), broad money (M3), and exchange rate (ER). The study adopts panel regression analysis on yearly data covering the period from 2011 to 2020. The pooled OLS regression model, fixed effect regression model (FEM), and random effect regression model (REM) have been employed. With the REM model being suggested as the most suitable model through the Hausman test, the results suggest that FDI, export, GDP, and ER have shown positive and statistically significant influence on both the BSE Shariah and JII. It is also shown that the macroeconomic variables of India and Indonesia are heterogeneities in nature and having mean distribution effects. The study's findings suggest that increasing the possibilities of bilateral trade and investment in the sectors such as health and pharmaceuticals, automotive components, information technology, agro products, and tourism between India and Indonesia will go a long way. It is expediting greater economic activities among these two countries.
PENGARUH FINANCIAL DISTRESS, PROFITABILITAS, LEVERAGE, DAN OPINI AUDIT TAHUN SEBELUMNYA TERHADAP OPINI AUDIT GOING CONCERN Nafiatur Rohmah; Firdha Rahmiyanti; Nasrul Fahmi Zaki Fuadi
Wahana Riset Akuntansi Vol. 14 No. 1 (2026): WRA April 2026
Publisher : Universitas Negeri Padang

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.24036/wra.v14.i1.14

Abstract

Penelitian ini bertujuan untuk menguji pengaruh financial distress, profitabilitas, leverage, dan opini audit tahun sebelumnya terhadap opini audit going concern. Objek penelitian ini adalah perusahaan sektor barang konsumen non-primer yang terdaftar pada Indeks Saham Syariah Indonesia (ISSI) periode 2021–2023. Financial distress diukur menggunakan metode Altman Z-Score, profitabilitas diukur menggunakan Return on Assets (ROA), leverage diukur menggunakan Debt to Asset Ratio (DAR), dan opini audit tahun sebelumnya diproksikan menggunakan variabel dummy. Jenis penelitian ini adalah penelitian kuantitatif. Sampel yang digunakan dalam penelitian ini diperoleh dengan menggunakan teknik purposive sampling berdasarkan kriteria yang telah ditentukan sebelumnya, yaitu perusahaan yang terdaftar pada Indeks Saham Syariah Indonesia (ISSI). Dengan populasi sebanyak 63 perusahaan, diperoleh 53 perusahaan sebagai sampel penelitian. Metode analisis yang digunakan dalam penelitian ini adalah analisis regresi logistik dengan menggunakan program SPSS versi 25. Hasil penelitian menunjukkan bahwa variabel financial distress dan opini audit tahun sebelumnya berpengaruh positif terhadap opini audit going concern. Sementara itu, profitabilitas menunjukkan pengaruh negatif terhadap opini audit going concern. Namun demikian, variabel leverage tidak berpengaruh terhadap opini audit going concern.  
Co-Authors Abdillah, Mujiyono Abdulhamid Ali Abukil Abdulhamid Ali Abukil Abdulhamid Ali Abukil Achmad Arief Budiman Adinda Nur Syafina Putri Ahmad Furqon Ali Imron Ali Murtadho Ali Murtadho Andri Martiana Ari Kristin Prasetyoningrum Arsy, Rastiana Alfaaghiyatul Baidi Bukhori Cintya Cindy Melania Ramadhani Dessy Noor Farida Dhimmar, Sonali Fajar Arif Subhan Fatma Kacem Fauziah, Najim Nur Firdha Rahmiyanti Firdiyanti, Shovia Indah Husnurrosyidah, Husnurrosyidah Johan Arifin Khabibah, Ani Nur Khoirul Anwar Mohammad Irfan Mohammad Irfan Mubarok, Ferry Khusnul Muhammad Saifullah Muhammad Saifullah Nafiatur Rohmah Narong Hassane Nur Fatoni, Nur Rahmiyanti, Firdha Ratno Agriyanto Ratno Agriyanto Ratno Agriyanto Ratno Agriyanto, Ratno Agriyanto Saadah, Naili Salina Kassim Shovia Indah Firdiyanti Siti Mujibatun Sri Wulandari Yunita Dewi Septiana Zahid, Mohd Zakiy, Faris Shalahuddin Zenza Chessara Novada Panena Zuhdan Ady Fataron