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All Journal Al-Amwal : Jurnal Ekonomi dan Perbankan Syari\'ah Inovasi : Jurnal Ekonomi, Keuangan, dan Manajemen NISBAH: JURNAL PERBANKAN SYARIAH EkBis: Jurnal Ekonomi dan Bisnis Jurnal Ilmu Perbankan dan Keuangan Syariah Iqtishadia: Jurnal Kajian Ekonomi dan Bisnis Islam AL-ARBAH: Journal of Islamic Finance and Banking DEVOSI Journal of Islamic economy and Community Engagement Realible Accounting Journal Journal of Business Management and Islamic Banking Journal of Islamic Economic Scholar Al-Intaj : Jurnal Ekonomi dan Perbankan Syariah Jurnal Kajian Ekonomi dan Perbankan Syariah INOVASI: Jurnal Ekonomi, Keuangan, dan Manajemen
Defi Insani Saibil
State Islamic University Sunan Kalijaga Yogyakarta
Religion Economics, Econometrics & Finance Education Social Sciences Other

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Does The Banking Information System Affect Customer Satisfaction and Loyalty? Defi Insani Saibil
EkBis: Jurnal Ekonomi dan Bisnis Vol 4, No 1 (2020): EkBis: Jurnal Ekonomi dan Bisnis
Publisher : Fakultas Ekonomi dan Bisnis Islam, UIN Sunan Kalijaga Yogyakarta

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.14421/EkBis.2020.4.1.1244

Abstract

This research examines customer satisfaction and loyalty in Islamic banking in the use of internet banking. The research was conducted based on the increase in e-banking users in Islamic banking in Indonesia. E-banking is one of the banking information system services needed today. The research method was carried out using the method of Structural Equation Modeling (SEM) through AMOS and SPSS software. Meanwhile, data collection is carried out through an online survey via a google form. The online survey found 154 respondents of which 27% were from Central Java Province and 47% from the Special Region of Yogyakarta with simple random analysis sample analysis. This study shows that internet banking adoption has a significant effect on customers in Islamic banking, while satisfaction is very large in mediating the relationship between internet banking use and customer loyalty in Islamic banking. Theoretically, this study implies that the banking information system, especially in internet banking, plays an important role in providing service and satisfaction and has a significant effect on customer loyalty.
Implication Of Relationship Marketing On Loyalty With Brand Image As A Moderation Variable Hani Budi Lestari; Defi Insani Saibil
Al-Amwal : Jurnal Ekonomi dan Perbankan Syari'ah Vol 14, No 2 (2022)
Publisher : IAIN Syekh Nurjati Cirebon

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.24235/amwal.v14i2.11183

Abstract

Abstract To create customer loyalty, banks need to implement a relational marketing strategy. In addition to relationship marketing, the bank also needs to pay attention to the brand image that is considered, because the brand image is also the key to maintaining and increasing customer loyalty. This study aims to examine the effect of the variables of trust, commitment, and empathy which are dimensions of relationship marketing on customer loyalty with the brand image as a moderating variable. The research subjects used in this study were Generation Z customers of Bank Syariah Indonesia (BSI) which opened 105 respondents. This research uses a quantitative analysis method with the moderator regression analysis (MRA) method. The partial test results show that the trust and commitment variables significantly affect customer loyalty, while the empathy variable has no significant effect on customer loyalty. Furthermore, the test results also show that brand image is not able to moderate the effect of trust, commitment, and empathy variables on customer loyalty.Keywords: Relationship Marketing, Customer Loyalty, Brand Image.
FAKTOR MEMPENGARUHI NIAT MENGGUNAKAN QRIS PADA SHARIA MOBILE BANKING SAAT PANDEMI COVID-19 (MODIFIKASI MODEL UTAUT 2): FACTORS AFFECTING THE INTENTION OF USING QRIS IN SHARIA MOBILE BANKING DURING COVID-19 PANDEMIC (MODEL MODIFICATION OF UTAUT 2) Defi Insani Saibil; Fajar Sodik; Andi Ainun Mardiah
NISBAH: Jurnal Perbanka Syariah Vol. 8 No. 2 (2022): NISBAH: Jurnal Perbankan Syariah
Publisher : Sharia Banking Study Program, Faculty of Islamic Economics, Djuanda University, Bogor

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.30997/jn.v8i2.6353

Abstract

Analisis faktor yang mempengaruhi niat dalam menggunakan QRIS  dimasa pandemi Covid-19 merupakan tujuan dalam penelitian ini. Jenis penelitian ini menggunakan penelitian kuantitatif yang didukung data kualitatif. Ada dua fokus penelitian ini, pertama menguji faktor yang mempengaruhi dan mendorong niat untuk menggunakan. Kedua, melihat faktor lain yang mempengaruhi niat dalam menggunakan. Penelitian mengadopsi model modifikasi teori UTAUT 2. Pengumpulan data dilakukukan  melalui survei menggunakan penyebaran kuesioner dengan pertanyaan terbuka dan pertanyaan    tertutup. Jumlah responden dalam penelitian ini sebanyak 134 responden. Metode non-probability sampling dengan menerapkan teknik purposive sampling digunakan. Sedangkan teknik SEM-PLS digunakan pada analisis data, aplikasi WarpPLS 6.0 untuk uji hipotesis dan SPSS 26 untuk analisis deskriptif dan exploratory. Penelitian ini menunjukkan hasil bahwa sebanyak delapan  hipotesis yang diajukan semuanya diterima sehingga mengindikasikan bahwa masyarakat memiliki  niat yang baik dan merasa kemudahan menggunakan QRIS  pada masa pandemi. Hasil dari penelitian ini diharapkan bisa  menjadi masukan untuk industri perbankan syariah untuk lebih meningkatkan kualitas pelayanan QRIS mobile  dalam hal transaksi keuangan secara digital.
Generation Z's Interest in Digital Wallet Payments in Islamic Mobile Banking During a Pandemic Ria Ida Maf’ula Ghoynaqi; Defi Insani Saibil
AL-ARBAH: Journal of Islamic Finance and Banking Vol 4, No 2 (2022)
Publisher : Universitas Islam Negeri (UIN) Walisongo Semarang

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.21580/al-arbah.2022.4.2.15147

Abstract

Purpose - This research was conducted to see interest in digital wallet payments in mobile banking applications using the TAM and TPB theories.Methods - This study tested the hypothesis using Structural Equation Modeling (SEM) with the SmartPLS 3.0 application.Results - The results showed that there was a positive influence on perceived ease of use, perceived usefulness, and subjective norms and significant on intention to use. Meanwhile, attitudes do not affect the intention to use Islamic mobile banking. So attitude is not a factor in Generation Z's intention to use mobile banking in digital wallet transactionsImplications - The population in this study is the Z generation which is carried out in the Special Region of Yogyakarta. A total of 111 respondents used purposive sampling method in determining the population sample.Originality - Respondents in this study have criteria, namely users of Islamic mobile banking and generation Z digital wallets conducted in the Special Region and during the Covid-19 pandemic.
Pengaruh pembiayaan murabahah, inflasi, risk profile, dan capital terhadap kinerja keuangan bank syariah di Indonesia periode 2016-2021 Ahmad Nasirudin; Defi Insani Saibil
INOVASI Vol 19, No 2 (2023): Mei
Publisher : Faculty of Economics and Business Mulawarman University

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.30872/jinv.v19i2.12583

Abstract

Tidak stabilnya kinerja keuangan menjadi permasalahan meski kuantitas bank umum syariah sudah berkembang pesat. Kondisi kinerja keuangan menjadi faktor penting bagi prospek masa depan bank umum syariah. Penelitian ini bertujuan untuk mengetahui faktor lain yang berpotensi memiliki pengaruh terhadap kinerja keuangan bank umum syariah. Pemilihan sampel menggunakan metode purposive sampling menghasilkan 9 bank terpilih dari 14 populasi bank umum syariah di Indonesia selama periode 2016-2021. Perolehan data bersumber dari data sekunder yaitu data laporan keuangan triwulan dan data inflasi. Teknik analisis data yang digunakan adalah regresi data panel dengan alat olah data Eviews. Hasil penelitian menghasilkan pembiayaan murabahahdan capital (CAR) memiliki pengaruh positif dan signifikan terhadap kinerja keuangan (ROA), risk profile (NPF) berpengaruh negatif dan signifikan terhadap kinerja keuangan (ROA), namun inflasi tidak berpengaruh terhadap kinerja keuangan (ROA). 
Investigating E-Banking Service Quality in Islamic Banking: A Moderated Mediation Approach Defi Insani Saibil
IQTISHADIA Vol 16, No 1 (2023): IQTISHADIA
Publisher : Ekonomi Syariah IAIN Kudus

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.21043/iqtishadia.v16i1.16542

Abstract

The main objective of this study is to analyze the relationship between the quality of e-banking services and customer loyalty through e-satisfaction. It also aims to consider the role of self-efficacy as moderation from the perspective of internet banking and mobile banking in Islamic banking. This study employs WebQualTM and E-S-Qual as a measurement scale for e-banking service quality. In addition, the study also utilizes the moderated mediation approach to verifying the variables that influence customer loyalty in the context of Islamic banking e-platforms. Empirically, the findings show that self-efficacy, when operating as a moderator, has a considerable impact on the nexus between e-banking service quality and customer loyalty via e-satisfaction. This study also provides several theoretical contributions to the existing literature that underline the insight into loyalty, e-banking service quality, and customer psychological characteristics.
RESILIENSI EKONOMI PESANTREN MELALUI HOLDING BISNIS HEBITREN: APLIKASI ASSET BASED COMMUNITY DEVELOPMENT Ali, Jeihan Azhar; Tri Pambekti, Galuh; Baroroh, Hilmy; Hassany, Egha Ezhar Junaeka Putra; Insani Saibil, Defi
DEVOSI Vol 5 No 2 (2024): Devosi: Jurnal Pengabdian Masyarakat
Publisher : LPPM Universitas Islam 45 Bekasi

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.33558/devosi.v5i2.9416

Abstract

Pesantren is a religious institution that is one of the drivers in the fields of populist economy, MSMEs, and sharia economy, which has potential, especially in the midst of the COVID-19 pandemic. The economic resilience of pesantren is very crucial in the ongoing ecosystem of the pesantren economy. The development of pesantren in responding to the economy has motivated Bank Indonesia to form the Pesantren Economics and Business Association (HEBITREN), especially the Yogyakarta regional office in 2021. The formation of HEBITREN requires contributions from other institutions, especially educational institutions in transforming business model ideas and ideas for business holding between pesantren. The benefits of this service for pesantren administrators are the receipt of input or transfer of knowledge related to the preparation of the Hebitren business model, business planning and RAPB, preparation of standard operating procedures, financial reports, organizational structure and job descriptions, mapping prospective Hebitren managers, and the core business to be run. The study center for the empowerment and economic development of pesantren, UIN Sunan Kalijaga, was present as a companion to HEBITREN in realizing the economic resilience of pesantren through the HEBITREN business holding by applying Asset Based Community Development. The output of this agenda is in the form of a Hebitren business model, business planning and RAPB, preparation of standard operating procedures, financial reports, organizational structure and job descriptions, mapping of prospective Hebitren managers, and the core business to be run.
Pemberdayaan Umkm Sebagai Upaya Meningkatkan Perekonomian Di Desa Dangdeur Saibil, Defi Insani; Maulana Izzul Haq
Journal of Islamic Economy and Community Engagement Vol. 3 No. 2 (2022)
Publisher : FEBI UIN Sunan Kalijaga Yogyakarta

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.14421/jiecem.2022.3.2.1866

Abstract

UMKM adalah usaha produktif milik orang perorang dan atau badan usaha perorangan yang memenuhi kriteria usaha mikro. Adanya pandemi Covid-19 membuat sektor perekonomian menurun, hal tersebut juga dirasakan oleh sektor pariwisata dan perdagangan industri usaha mikro kecil menengah. Tujuan dari kegiatan ini adalah untuk memberikan sosialisasi dan pendampingan pada pelaku UMKM agar usaha yang dijalankan. Metode penelitian yang digunakan yaitu metode kualitatif dan disajikan secara deskriptif. Pemberdayaan dan pengembangan UMKM ini dilakukan dengan pendataan, melakukan survey, dan melakukan kerjasama dengan DKUPP Purwakarta. Sosialisasi ini membahas mengenai manajemen uang, persyaratan dan izin penjualan, labelling halal, pembuatan NIB, serta inovasi produk dan teknik pemasaran. Program sosialisasi pemberdayaan UMKM ini cukup dapat membantu pelaku UMKM di Desa Dangdeur untuk meningkatkan branding produk dan memperluas target pemasaran. Kata kunci: UMKM, Covid-19, Kewirausahaan, Manajemen, Pemasaran
Implication Of Relationship Marketing On Loyalty With Brand Image As A Moderation Variable Hani Budi Lestari; Defi Insani Saibil
Al-Amwal : Jurnal Ekonomi dan Perbankan Syari'ah Vol 14, No 2 (2022)
Publisher : UIN Siber Syekh Nurjati Cirebon

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.24235/amwal.v14i2.11183

Abstract

Abstract To create customer loyalty, banks need to implement a relational marketing strategy. In addition to relationship marketing, the bank also needs to pay attention to the brand image that is considered, because the brand image is also the key to maintaining and increasing customer loyalty. This study aims to examine the effect of the variables of trust, commitment, and empathy which are dimensions of relationship marketing on customer loyalty with the brand image as a moderating variable. The research subjects used in this study were Generation Z customers of Bank Syariah Indonesia (BSI) which opened 105 respondents. This research uses a quantitative analysis method with the moderator regression analysis (MRA) method. The partial test results show that the trust and commitment variables significantly affect customer loyalty, while the empathy variable has no significant effect on customer loyalty. Furthermore, the test results also show that brand image is not able to moderate the effect of trust, commitment, and empathy variables on customer loyalty.Keywords: Relationship Marketing, Customer Loyalty, Brand Image.
The Influence of Income, Company Reputation, and Waiting Lists for Hajj on The Interest of Generation Z in Saving for Hajj Deposits in Islamic Banks. Misbakhul Munir; Saibil, Defi Insani; Dery Alfian Saputra
Journal of Business Management and Islamic Banking Vol. 3 No. 2 (2024)
Publisher : UIN Sunan Kalijaga Yogyakarta

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.14421/jbmib.2024.0302-06

Abstract

Research Aims: The study aims to explore the influence of income, company reputation, and waiting lists for hajj on the interest of Generation Z in saving for hajj deposits in Islamic banks. Methodology: This research employs a quantitative descriptive methodology, using regression analysis tools and the SPSS 24 software. A total of 128 respondents from Cirebon Regency were surveyed to gather relevant data. Research Findings: The findings reveal that each independent variable, including income, company reputation, and waiting lists, significantly influences the dependent variable, with the highest impact attributed to company reputation. This demonstrates that a positive image of the bank plays a crucial role in attracting potential customers. Theoretical Contribution: This study contributes to the existing literature by highlighting the key factors influencing Generation Z's motivation to save for hajj in Islamic banks, specifically emphasizing the importance of company reputation in this context. Research limitation and implication: The study is limited to the Cirebon Regency and may not be generalizable to other regions. Future research could expand the demographic scope and examine additional factors that influence saving behaviors among different populations. The findings imply that banks should strive to maintain a positive reputation to effectively attract and retain customers, alongside considering other relevant factors in product marketing.
Co-Authors Ahmad Nasirudin Andi Ainun Mardiah Azhar, Jeihan Ali Baroroh, Hilmy Dery Alfian Saputra Fajar Sodik Febriansyah, Erwin Hani Budi Lestari Harum Septianingsih Hassany, Egha Ezhar Junaeka Putra Mamengko, Apfia Anatasia Maulana Izzul Haq MISBAKHUL MUNIR Muhammad Fathul Romadoni Murtadha Khairi Zhafran Yusuf Nasirudin, Ahmad Novita Dwi Rachmawati Pramadeka, Katra Ria Ida Maf’ula Ghoynaqi Romadoni, Muhammad Fathul Tri Pambekti, Galuh