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All Journal IQTISHADIA Tasharruf: Journal Economics and Business of Islam Iqtishadia: Jurnal Kajian Ekonomi dan Bisnis Islam Jurnal Pengabdian dan Peningkatan Mutu Masyarakat (JANAYU) Jurnal Ekonomi dan Bisnis Digital (MINISTAL) Asian Journal of Community Services (AJCS) Jurnal Keuangan dan Akuntansi Terapan (KUAT) Journal of Finance and Business Digital (JFBD) International Journal of Community Service (IJCS) Journal of Accounting Research, Organization and Economics (JAROE) EKOBIS SYARIAH Eastasouth Journal of Positive Community Services Student Journal of International Law International Journal of Kita Kreatif Jurnal Pengabdian Bakti Akademisi
Halim, Hendra
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Journal : Tasharruf: Journal Economics and Business of Islam

 1 
Does Religiosity Influence the Relationship Between Sharia Governance and Member Loyalty in Islamic Cooperatives? Umuri, Khairil; Halim, Hendra; Farma, Junia; Indah, Cahyani Rahmitha
Tasharruf: Journal Economics and Business of Islam Vol 10, No 1 (2025): JUNE
Publisher : IAIN Manado

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.30984/tjebi.v10i1.3576

Abstract

Sharia cooperatives play a pivotal role in advancing Islamic economic development by offering financial services aligned with Islamic principles. Nonetheless, sustaining member loyalty remains a significant challenge. This study investigates the impact of Sharia governance on member loyalty within Sharia cooperatives in Banda Aceh City and examines the moderating role of religiosity in this relationship. Employing an explanatory research design, primary data were collected through questionnaires distributed to 200 purposively selected respondents. The data were analyzed using moderated regression analysis to test the proposed hypotheses. The findings reveal that Sharia governance exerts a positive and significant influence on member loyalty. However, religiosity was found to weaken this relationship, indicating that members with higher levels of religiosity tend to rely more on personal beliefs than institutional governance when forming loyalty. These results suggest that member engagement strategies should not only focus on structural and governance compliance but also incorporate the diverse religious values held by cooperative members. The study offers practical implications for enhancing loyalty in faith-based financial institutions. Limitations include the cross-sectional nature of the data and its geographic restriction to a single region, which may affect the generalizability of the results. Future research is encouraged to include broader contexts and longitudinal data.
Co-Authors - Fakhrurrazi Abd Karim, Mohd Rahimie bin Afrida, Fenny Ahmad Nizam Amir, Fakhrurrazi Amri Amri Amri Amri, Khoirul Aqil, Atallah Armiadi Musa Azharsyah Ibrahim Bismi Khalidin Burhanis Sulthan DM Cut Afrianandra Darwanis Darwanis Darwanis Dewi, Annisa Keumala Dinaroe Dinaroe DM, Burhanis Sulthan Edba, Dauria Endang Pitaloka Erlidawati Erlidawati Evayani Evayani Fadhil, Rahmat Faisal Faisal Faisal Fakhrurrazi Farid Farid Farid, Farid Farid Mulana Farma, Junia Fatahillah, Habib Fathin, Annidha Fazli Syam BZ Firdaus, Mohd Fitrah Khairi Fonna, Rizki Putri Nurita Gea, Sanderwan Kristian Ginting, Ledy Mahara Hamdi Harmen Hasmi, Nuril Herlambang, Albert Humaira, Radhia Husaini Husaini Hussain, Mohd Rizal Bin Ilham, Habibi In-In Hanidah Indah, Cahyani Rahmitha Iskandarsyah Iskandarsyah Iskandarsyah Iskandarsyah Madjid, Iskandarsyah Jamal, Abd. Kadir, M. Yakub Aiyub Kesuma, T. Meldi Khairil Umuri Khairun Nisa Lada, Suddin Lubis, Fahdi Saidi Lufika, Raihan Dara M. Ridha Siregar M. Shabri Abd. Majid M. Shabri Abdul Majid Maira, Hayatun Maisaroh Maisaroh Marpaung, Linda Wahyu Maulana, M. Rizki Maulina, Dinda Mazwan, Rasmuna Miftahuddin Miftahuddin Mirna Indriani Muftahuddin, Muftahuddin Muhammad Adam Muhammad Haris Riyaldi Muhammad Haris Riyaldi, Muhammad Haris Muharman Lubis Murkhana Murkhana, Murkhana Najla, Najla Nasir, M. Fadhil Nasution, Lisa Elianti Ni Made Purnami Ningsing, Diana Setya Nisva, Raisa Ullya Nizam, Ahmad Noor Azuddin Yakob novindra . Nurlina, Eka Nurma Sari, Nurma Othman, Razali Bin Rahimi, Sayyid Afdhal El Raida Agustina Raisa Ullya Nisva Ramadhani, Evi Rani, Dzacky Muharram Rasyada, Tiara Razaqi, Halir Ridmailis, Ridmailis Riha Dedi Priantana Rivani, Rivani Saddaq, Mizan Sakir, A Salpina, Parjah Sari, Meutia Dwi Novita Sartiyah Sasra, Said Fachrizal Sentosa, Dewi Suryani Silvia, Vivi Siregar, Fachrul A Siregar, M. Ridha Siregar, Muhammad Rizqi Sitepu, Novi Indriyani Sitti Saleha, Sitti Sri Rezeki Sri Utami Permata Sulaiman, Juliah Binti Susanna Syahfitri, Widya Syahriyal, Syahriyal Syahrizal, Teuku Muhammad Syahrizal, TM Taufiq Carnegie Dawood Teuku Meldi Kesuma Teuku Meldi Kesuma, Teuku Meldi Teuku Muhammad Syahrizal Umuri, Khairil Usiai, Khairil Yusrizal Yusrizal Zahrani, Nazila Zahri Hamat Zikran, Ghrina Zuhri, Sarika Zulfa Zulfa Zulkifli Zulkifli Zurrahmah, Fadhilah