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All Journal Pioneer: Journal of Language and Literature Journal of Law, Poliitic and Humanities EKONOMIKA SYARIAH : Journal of Economic Studies
Arifin, Moh.
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Humanities Economics, Econometrics & Finance Education Languange, Linguistic, Communication & Media Law, Crime, Criminology & Criminal Justice Social Sciences

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Determinants of Customer Decisions to Save at Sharia Digital Banks Arifin, Moh.; Muhtadi, Ridan; Mi’raj, Denizar Abdurrahman; Fatimah, Siti; Hannan, Abd.
EKONOMIKA SYARIAH : Journal of Economic Studies Vol. 7 No. 2 (2023): December 2023
Publisher : Universitas Islam Negeri Sjech M. Djamil Djambek Bukittinggi

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.30983/es.v7i2.7608

Abstract

Lembaga keuangan perbankan di Indonesia mengalami transformasi digital yang pesat namun tingkat penerimaan Masyarakat masih tergolong rendah. Penelitian ini bertujuan untuk mengungkapkan dampak variabel religiusitas, keamanan fintech, dan citra merek terhadap keputusan nasabah untuk menyimpan uang di bank digital syariah. Penelitian ini menggunakan data primer yang diperoleh melalui penyebaran kuesioner atau angket, melibatkan 100 responden yang dipilih berdasarkan perhitungan lemeshow. Metode analisis yang digunakan adalah uji validitas, reliabilitas, uji asumsi klasik, uji regresi linier berganda dan uji hipotesis dengan menggunakan perangkat lunak SPSS 24 untuk menganalisis data penelitian. Hasil penelitian menunjukkan bahwa secara parsial variabel keamanan fintech dan citra merek memiliki pengaruh yang signifikan (Sig. <0,005) terhadap keputusan nasabah untuk menabung di bank digital syariah, sementara variabel religiusitas tidak memiliki pengaruh signifikan (Sig. >0,005) terhadap keputusan nasabah untuk menabung di bank digital syariah. Temuan ini mendorong penelitian selanjutnya untuk mengeksplorasi faktor-faktor lain yang dapat memengaruhi keputusan nasabah dalam menggunakan layanan bank digital syariah. Sehingga mampu menjadi bahan evaluasi bagi industri bank digital syariah dalam meningkatkan pangsa pasar.The banking and financial institutions in Indonesia have undergone rapid digital transformation; however, the level of public acceptance remains relatively low. This research aims to elucidate the impact of religiosity, fintech security, and brand image variables on customers' decisions to deposit money in Islamic digital banks. The study employs primary data obtained through the distribution of questionnaires, involving 100 respondents selected based on the Leveshow calculation. The analytical methods utilised include validity and reliability tests, classical assumption tests, multiple linear regression analysis, and hypothesis testing, all conducted using SPSS 24 software for data analysis. The results of the study indicate that, partially, fintech security and brand image variables exert a significant influence (Sig. <0.005) on customers' decisions to deposit money in Islamic digital banks. Meanwhile, the religiosity variable does not have a significant impact (Sig. >0.005) on customers' decisions to deposit money in Islamic digital banks. These findings propel further research to explore other factors that may influence customers' decisions to utilise Islamic digital bank services. Thus, it can serve as evaluative material for the Islamic digital banking industry to enhance market share
The Effect of Picture Series on Teaching English Writing Halim, M. Labib Al; Arifin, Moh.
Pioneer: Journal of Language and Literature Vol 14 No 2 (2022)
Publisher : Faculty of Letters, Universitas Abdurachman Saleh Situbondo

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.36841/pioneer.v14i2.1629

Abstract

Junior high school students are expected to create short essays, and concise texts, according to the junior high school curriculum. The issue is that students are unable to communicate their thoughts. It is proved that when the teacher asks the students to write about recount text or narrative text, they only write a few sentences, and they also make mistakes in using grammar patterns. This research aims to reveal the effect of picture series in teaching writing, and whether students who were taught through a picture series goa t better scores than those who were taught through the conventional method. This research used a quasi-experimental design. The finding showed that picture series could enable students to explore their ideas. The students were able to create and use their imagination to write well after watching the picture series. The result of the T-test analysis showed that the sig (2-tailed) was 0.000, which was lower than 0.05 level significance (0.000 < 0.05). It was assumed that the mean score difference between the experimental and control groups was significant. Thus, it was enough to reject the null hypothesis, which means that picture series-based E-learning significantly affected students’ writing, especially in writing narrative text.
Revitalization of Sharia Securities-Based Crowdfunding: A Regulatory Review and Its Impact on Halal MSME Development Noor, Afif; Arifin, Moh.; Reza Fachruddin, Mohammad
Journal of Law, Politic and Humanities Vol. 4 No. 5 (2024): (JLPH) Journal of Law, Politic and Humanities (July-August 2024)
Publisher : Dinasti Research

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.38035/jlph.v4i5.540

Abstract

Sharia Securities-Based Crowdfunding (Sharia SBC) has significant potential in supporting the development of halal MSMEs in Indonesia. Halal MSMEs often face limited access to conventional financing The presence of Sharia SBC, based on information technology, can serve as an alternative source of funding in accordance with Sharia principles for halal MSMEs. This study aims to examine the regulations governing Sharia SBC and its impact on the development of halal MSMEs. The research method used is a qualitative approach with descriptive analysis. Data is collected from secondary sources such as literature studies, and analysis of regulatory documents. The results indicate that mature and comprehensive regulations are crucial to support the success of Sharia SBC. Existing regulations, such as the Financial Services Authority Regulation Number 57 of 2020 amended by OJK Regulation No. 16/POJK.04/2021 of 2021 provide a basic framework for the operation of Sharia SBCs. However, challenges persist, including the lack of Sharia financial literacy among MSMEs and investors, as well as the need to enhance technological infrastructure and accessibility of the SBC platform. Properly regulated, Sharia SBCs can enhance halal MSMEs' access to capital, thereby boosting their business growth and sustainability. Optimizing regulations and improving education and infrastructure are essential to maximizing the potential of Sharia SBC in supporting the development of halal MSMEs in Indonesia.
Co-Authors Afif Noor Hannan, Abd. M. Labib Al Halim Mi’raj, Denizar Abdurrahman Reza Fachruddin, Mohammad Ridan Muhtadi Siti Fatimah