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All Journal STUDIA ISLAMIKA Ekonomikawan : Jurnal Ilmu Ekonomi dan Studi Pembangunan Jurnal Riset Akuntansi dan Bisnis Studia Economica: Jurnal Ekonomi Islam Jurnal Akuntansi dan Pajak Jurnal Ilmiah Ekonomi Islam Jurnal EMT KITA Juripol (Jurnal Institusi Politeknik Ganesha Medan) Jurnal Kewirausahaan dan Bisnis EQIEN - JURNAL EKONOMI DAN BISNIS Journal of Humanities and Social Studies Journal of Education, Humaniora and Social Sciences (JEHSS) EKONOMIKA SYARIAH : Journal of Economic Studies E-Mabis: Jurnal Ekonomi Manajemen dan Bisnis Al-Masharif: Jurnal Ilmu Ekonomi dan Keislaman Pena Justisia: Media Komunikasi dan Kajian Hukum ACTIVA: Jurnal Ekonomi Syariah SERAMBI: Jurnal Ekonomi Manajemen dan Bisnis Islam Journal of Management and Business Innovations Management Studies and Entrepreneurship Journal (MSEJ) Al-Kharaj: Jurnal Ekonomi, Keuangan & Bisnis Syariah Enrichment : Journal of Management Aghniya: Jurnal Ekonomi Islam JURMA : Jurnal Program Mahasiswa Kreatif INVEST : Jurnal Inovasi Bisnis dan Akuntansi Lentera:Indonesian Journal of Multidisciplinary Islamic Studies Journal La Sociale juremi: jurnal riset ekonomi International Journal of Educational Review, Law And Social Sciences (IJERLAS) Multidiciplinary Output Research for Actual and International Issue (Morfai Journal) Proceedings of The International Conference on Social and Islamic Studies International Journal of Economic, Business, Accounting, Agriculture Management and Sharia Administration (IJEBAS) Share: Jurnal Ekonomi dan Keuangan Islam International Journal of Humanities Education and Social Sciences Jurnal Akuntansi, Manajemen dan Bisnis Digital Islamiconomic: Jurnal Ekonomi Islam Jurnal Ekonomi Syariah dan Bisnis International Journal Of Economics Social And Technology Mumtaz : Jurnal Ekonomi dan Bisnis Islam Journal Research of Economics and Bussiness Takuana: Jurnal Pendidikan, Sains, dan Humaniora EKONOMIKA SYARIAH : Journal of Economic Studies Media Ekonomi Inkubis: Jurnal Ekonomi dan Bisnis e-Jurnal Apresiasi Ekonomi International Journal of Economic, Technology and Social Sciences (Injects) Neraca: Jurnal Ekonomi, Manajemen dan Akuntansi Mutiara: Jurnal Penelitian dan Karya Ilmiah JSE: Jurnal Sharia Economica Neraca Manajemen, Akuntansi, dan Ekonomi Journal Economic Excellence Ibnu Sina Santri : Jurnal Ekonomi dan Keuangan Islam Prosiding Seminar Nasional Hasil Penelitian dan Pengabdian Kepada Masyarakat Journal of Innovative and Creativity Jurnal Penelitian Pendidikan Indonesia International Economic and Finance Review Outline Journal of Economic Studies Jurnal At-Tanmiyah Ekonomi dan Bisnis Islam Fundamental and Applied Management Journal Jurnal Ekonomi, Manajemen, Bisnis dan Akuntansi Review Jurnal Ekonomi, Manajemen, Akuntansi dan Keuangan Share
Andri Soemitra
Universitas Islam Negeri Sumatera Utara
Religion Agriculture, Biological Sciences & Forestry Arts Humanities Automotive Engineering Chemical Engineering, Chemistry & Bioengineering Civil Engineering, Building, Construction & Architecture Computer Science & IT Decision Sciences, Operations Research & Management Economics, Econometrics & Finance Education Electrical & Electronics Engineering Energy Engineering Environmental Science Health Professions Industrial & Manufacturing Engineering Languange, Linguistic, Communication & Media Law, Crime, Criminology & Criminal Justice Library & Information Science Materials Science & Nanotechnology Mathematics Public Health Social Sciences Transportation Other

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EXPLORATION OF NON-MUSLIM COMMUNITY'S DECISION TO BECOME THIRD PARTY FUND CUSTOMERS AT BANK SUMUT CAPEM SYARIAH PERDAGANGAN: ANALYSIS OF SERVICE QUALITY AND PERCEPTION OF FAIRNESS OF PROFIT SHARING Ponco Setio Wijaksono; Muhammad Irwan Padli Nasution; Andri Soemitra
International Journal of Economic, Business, Accounting, Agriculture Management and Sharia Administration (IJEBAS) Vol. 6 No. 3 (2026): June
Publisher : CV. Radja Publika

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Abstract

This study aims to explore the decisions of non-Muslims to become Third Party Fund (DPK) customers at Bank Sumut Capem Syariah Perdagangan, focusing on service quality and perceptions of the fairness of the profit-sharing system. The study employed a descriptive qualitative approach with a case study method. The informants included branch managers, customer service representatives, fund marketers, and non-Muslim customers with sharia savings, current accounts, and time deposits. Data collection techniques included in-depth interviews, field observations, and documentation. Data analysis employed the Miles and Huberman model, which encompasses data reduction, data presentation, conclusion drawing, and verification. The results indicate that the decisions of non-Muslims to become DPK customers at Bank Sumut Capem Syariah Perdagangan are driven by rational and economic considerations. Inclusive, friendly, responsive, and non-discriminatory service quality builds initial customer trust in sharia banks. Furthermore, the profit-sharing system in Mudharabah products is perceived as fair, transparent, and profitable, as profits are aligned with fund management performance. For Wadi'ah products, customers consider competitive administration fees and bonuses attractive added value. Other factors influencing decisions include recommendations between traders and a heterogeneous social environment. Research findings indicate that the principles of fairness, transparency, and service quality are the primary reasons non-Muslims choose DPK products at Bank Sumut Capem Syariah Perdagangan.
The Impact of Ease of Access and Service Level Agreements (SLAs) on Multipurpose Financing Growth at PT. Bank Sumut Sharia Business Unit Anang Andrian; Muhammad Irwan Padli Nasution; Andri Soemitra
International Journal of Economic, Business, Accounting, Agriculture Management and Sharia Administration (IJEBAS) Vol. 6 No. 3 (2026): June
Publisher : CV. Radja Publika

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Abstract

The development of the Islamic banking industry in Indonesia has shown a positive trend in recent years. However, competition with conventional banking requires Islamic banks to continuously improve service quality to attract and retain customers. One product with high growth potential is multipurpose financing. This study aims to analyze the effect of ease of access and Service Level Agreements (SLAs) on the growth of multipurpose financing in Islamic banking. The research method used is a quantitative approach. The independent variables consist of ease of access and SLA, while the dependent variable is the growth of multipurpose financing. The results show that ease of access and SLA have a positive effect on the growth of multipurpose financing. The easier access to services and the faster the financing process provided by PT. Bank Sumut Sharia Business Unit, the growth of multipurpose financing will show an upward trend. This study implies that PT. Bank Sumut Sharia Business Unit needs to strengthen digital transformation and increase service speed to enhance the competitiveness of financing products.
Co-Authors Abd Latip Abdillah Aswari Abdullah, Ikhsan Achmad Habib Hamsar adlina Hasan Afifah Rahmadani Afrizal Afrizal Agiet Mutiara Rengganis Agna Sabrina Ahmad Muhajir Ainun Mardhiah Alfi Amelia Alvi Natzmi Alya Rahma Siregar Amalia, Alfi Amin Akbar Amin Al Jawi Ammy, Baihaqi Anang Andrian Anggi Pratiwi Sitorus Anggia Nurulita Anhar Ziqhri Aninda Mahfadillah Annisa Ayu Kusuma Aqwa Naser Daulay Arnadila Dwi Syahputri Arnida Wahyuni Lubis Asmaul Husna Asmaul Husna Asmuni Asmuni Asmuni Atika Atika Azhari Akmal Tarigan Bambang Lesmono Berlian Puspita Ningrum Burhanuddin Cindi Husna Pratiwi Cut Nurul A’la Dandi Ibnu Sutowo Dini Rahmayani Dwi Kresna Riyadi Dwi Purnama Sari Elma Fadilah Fahrul Azhar Kesogihin Faisal Nasution Fathur Rahman Fauzan Fahmi Hasibuan Feby Sahira Fenni Windi Yati Fira Nafisah Fitri Gultom, Selfi Afriani Handana Sembiring Harahap, Muhammad Ikhsan Hayati, Fitri Hendra Hendra Herry Syahbanuddin Imsar Imsar Indah Pratiwi Indra Prawira Irna Permata Sari Irvan Murizal Iskandar Muda Ismail Ismail Ismail Ismail Ismul Fakhri Lubis Isnaini Harahap Julfan Saputra Julfan Saputra Juliana Nasution Juliana Sari Harahap Julita, Julita Kamaruddin Kamaruddin Kaswinata Kaswinata Khairani Andini Daulay Khairina Tambunan Laila Tiffany Hasibuan Lailan Safina Hasibuan M. Ikhsan Harahap M. Indra Mulia Nasution M.Indra Mulia Nasution Maisyarah Salsabilaa Maulana M Hamzah Maya Dian Eka Sari Mhd Zulkifli Hasibuan Muhammad Arfan Harahap Muhammad Habrul Aji Muhammad Hakim Sitompul Muhammad Raihan Kamil Muhammad Ridwan Muhammad Rizal Muhammad Yafiz Mustapa  Khamal  Rokan Nasution, Muhammad Irwan Padli Nia Safitri Br Tarigan Nina Amanda Nindya Azzahra Nisa Aulia Nur Ahmadi Bi Rahmani Nur Amadi Bi Rahmani Nur Jannah Al Baiti Nurbaiti Nurbaiti Nurdiana Nurdiana Nuri Aslami Nurlaila Nurlaila Nurul Hasanah Syah Nurul Izzah Oktavera Rizki Palti Raja Siregar Ponco Setio Wijaksono Putri Afdillah Putri Wulandini Sagala Rafi Husin Harahap Rahmad Bahagia Rahmadi Rambe Rahmat Daim Harahap Ridha Alhamdi Rifki Ismail Rifki Ismal Rifki Rifki Ismal Ririn Khairiyah Rizka Salsabila Rohaya Rudy Rifalgi Sabarudin Chaniago Sanusi Gazali Pane Sartika Sartika Sheerina Said Mazruk Silvia Handayani Siregar Siti Aisyah Siti Hamizah Harahap Siti Mutiah Ulfha Siti Nurhalizah Lubis Sri Sudiarti Sugianto Sugianto Syachrul Wahyudi Syuhada Fela Yudha T. Wulan Arianti Tengku Imam Alwafi Tentiyo Suharto Tiara Ermelia Tuti Anggraini Vania Auziva Wahyu Syarvina Yaumul Khair Afif Yenni Arafah Yenni Samri Juliati Nasution YUDI SISWADI Yusrizal Zainur Zainur Zuhrinal M. Nawawi Zulfan Kurniawan Zunaida Riska