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All Journal Jurnal Ilmiah Ekonomi Islam International Journal of Zakat (IJAZ) AL-ARKHABIIL: Jurnal Pengabdian Masyarakat Islamic Banking & Economic Law Studies ABDIMAS Iqtishadia
Alim, Muhammad Nurul
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Religion Economics, Econometrics & Finance Education Languange, Linguistic, Communication & Media Law, Crime, Criminology & Criminal Justice Social Sciences Other

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Journal : Islamic Banking

 1 
PENGARUH PENERIMAAN TEKNOLOGI DENGAN METODE UTAUT TERHADAP MINAT MENGGUNAKAN MOBILE BANKING DI BSI TANGERANG Alim, Muhammad Nurul; Hidayat, Wahyu; Amalia, Risqi
Islamic Banking & Economic Law Studies (I-BEST) Vol. 3 No. 1 (2024): ISLAMIC BANKING & ECONOMIC LAW STUDIES (I-BEST)
Publisher : STAI Asy-Syukriyyah

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.36769/ibest.v3i1.489

Abstract

The purpose of this study is to determine the effect of UTAUT factors, namely Performance Expectations, Effort Expectations, Social Influence and Facilitating Conditions partially and simultaneously on customer interest in using BSI mobile banking services in Tangerang. With four independent variables, namely: Performance Expectations (X1), Business Expectations (X2), Social Influence (X3), and Facilitating Conditions and the dependent variable is Interest (Y). The population in this study were Bank Syariah Indonesia customers with a sample size of 110 respondents. This study applies quantitative research methods. The analysis used in this study is the measurement model test (outer model) and the structural model test (inner model). This study uses the SmartPLS 3.0 program to process data.The results of this study indicate that the Performance Expectation variable (X1) has a positive and significant effect on the variable customer interest in using mbanking services with a significance level of 0.000 <0.05. The Effort Expectation variable (X2) has a negative and insignificant effect on interest in using mbanking services with a significance level of 0.557>0.05. The Social Influence variable has a positive and significant effect on interest in using mbanking services with a significance level of 0.000 <0.05. Facilitating Conditions have a positive and insignificant effect on customer interest in using mbanking services with a significance level of 0.315>0.05 then simultaneously together the independent variables simultaneously affect the dependent variable interest in using mbanking services.This research is expected to be useful for further research that wants to develop further research knowledge, banking and academic parties.
DEFAULT MORTGAGE CUSTOMERS THROUGH BANK KPR WITH BUYBACK GUARANTEE DEVELOPER FACILITY IN ISLAMIC ECONOMICS PERSPECTIVE Suryadi, Djaka; Alim, Muhammad Nurul
Islamic Banking & Economic Law Studies (I-BEST) Vol. 3 No. 1 (2024): ISLAMIC BANKING & ECONOMIC LAW STUDIES (I-BEST)
Publisher : STAI Asy-Syukriyyah

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.36769/ibest.v3i1.497

Abstract

This research aims to determine the buyback guarantee regulatory system and the buyback guarantee working mechanism until the bank makes a buyback guarantee claim to the developer. This research also aims to review buyback guarantee from Islamic perspective. The research method used is qualitative research using closed interviews and observation methods. Based on the research results, the developer has the criteria for potential partners to be able to work together and make agreement rules for both parties and the risks that will be experienced by the Customer, Bank, and Developer. The developer can make an effort before the bank makes a buyback guarantee claim to remind the customer that payment obligations at the bank are in arrears. In Islamic sharia perspective, the buyback guarantee is permitted provided that it is an option, not an obligation. The buyer may sell either to the first seller or another person. This provision is to avoid the prohibited bai’ al-'inah, which leads to prohibited riba transaction. Other Islamic solutions are debt restructuring (rescheduling) and postponement of the debt payment.The research is expected to give Islamic solution before buyback guarantee is executed
DAMPAK KEPEMIMPINAN DAN DISIPLIN KERJA TERHADAP KINERJA KARYAWAN BPRS ATTAQWA: THE IMPACT OF LEADERSHIP AND WORK DISCIPLINE ON EMPLOYEE PERFORMANCE AT BPRS ATTAQWA Alim, Muhammad Nurul; Oktaviani, Nurlita; Maulana, Irwan; Junaedi, Edy
Islamic Banking & Economic Law Studies (I-BEST) Vol. 4 No. 1 (2025): Islamic Banking & Economic Law Studies (I-BEST)
Publisher : STAI Asy-Syukriyyah

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.36769/ibest.v4i1.989

Abstract

This study aims to determine the influence of leadership style and work discipline on employee performance at PT BPRS Attaqwa. Employing a quantitative research method, the study involved all 30 employees of PT BPRS Attaqwa as a saturated sample. Data were collected using questionnaires and analyzed through hypothesis testing (t-test and F-test). The findings indicate that leadership style positively and significantly affects employee performance. Similarly, work discipline also has a positive and significant impact on employee performance. Furthermore, leadership style and work discipline simultaneously exert a positive and significant influence on employee performance. These results imply that management should prioritize both effective leadership development and the continuous enhancement of work discipline to optimize employee performance. A combined focus on both factors is crucial for achieving optimal outcomes in this sharia banking institution.
SHARIA STOCK TRADING IN INDONESIA: PRINCIPLES AND REGULATORY FRAMEWORK: PERDAGANGAN SAHAM SYARIAH DI INDONESIA: PRINSIP DAN KERANGKA REGULASI Suryadi, Djaka; Alim, Muhammad Nurul
Islamic Banking & Economic Law Studies (I-BEST) Vol. 4 No. 1 (2025): Islamic Banking & Economic Law Studies (I-BEST)
Publisher : STAI Asy-Syukriyyah

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.36769/ibest.v4i1.1057

Abstract

This study explores the legal foundations and operational mechanisms of sharia-compliant stock trading in Indonesia. Using a normative juridical and qualitative approach, it examines how Islamic principles—particularly the prohibitions of riba, gharar, and maisir—are applied in the Indonesia Stock Exchange. Findings show that stock trading is permissible in Islam when conducted under contracts such as musyarakah and mudharabah, and regulated through fatwas like DSN-MUI No. 80/2011. The Sharia Online Trading System (SOTS) ensures compliance by prohibiting margin trading and short selling. Distinctions from conventional trading lie in sharia screening, real asset backing, and ethical restrictions. This research concludes that Indonesia’s Islamic capital market offers a viable halal investment platform. It recommends enhancing public literacy, transparency in screening criteria, and consistent enforcement to support ethical investing aligned with Islamic law.
PERAN MEDIASI MOBILE BANKING PADA KUALITAS LAYANAN, NILAI, DAN KEPUASAN NASABAH BSI TANGERANG Alim, Muhammad Nurul; Maulana, Irwan; Suwarno, Rizky
Islamic Banking & Economic Law Studies (I-BEST) Vol. 4 No. 2 (2025): Islamic Banking & Economic Law Studies (I-BEST)
Publisher : STAI Asy-Syukriyyah

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.36769/ibest.v4i2.1531

Abstract

This study examines the mediating role of mobile banking in the relationship between service quality, customer value, and customer satisfaction at Bank Syariah Indonesia (BSI). Utilizing a quantitative approach with a survey method, the research involved 100 BSI customers in Tangerang City, selected through purposive sampling. Data were analyzed using Structural Equation Modeling (SEM) with Partial Least Squares (PLS-SEM). The findings reveal that both service quality and customer value have a positive and significant impact on mobile banking usage, which subsequently enhances customer satisfaction. Furthermore, service quality and customer value were found to exert a direct and significant influence on satisfaction levels. The results confirm that mobile banking serves as a partial mediator in these relationships. These findings underscore the necessity of optimizing digital service quality and perceived value to strengthen customer satisfaction within the Islamic banking sector.
Co-Authors Ahmad Sholihin Amalia, Risqi Ashari Erlangga Edy Junaedi Evan Hamzah Muchtar Fauzan Agung Pratama Ikhlasul Amal Wishri Irwan Maulana Jefri Adiminoto Junaedi, Edy Laode Muhammad Raudhatul Jannah Marasabessy, Ruslan Husein Maulana Ahmad Abadi Maulana, Irwan Muhammad Nugraha Muhhammad Faujan Muslim Nst, Dian Amanda Oktaviani, Nurlita Randy Putra Lopolisa Suryadi, Djaka Suwarno, Rizky Taufik Hidayat Tio Gunawan Tri Hidayatullah Wahyu Hidayat Wizhar Al Giffari