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Journal : IIJSE

The Influence of Agent Competence and Trust on Customer Loyalty to Sharia Life Insurance (Study at PT. Prudential Life Assurance Binjai Branch Putri Ayuni; Nur Ahmadi Bi Rahmani
Indonesian Interdisciplinary Journal of Sharia Economics (IIJSE) Vol 6 No 2 (2023): Sharia Economic: July, 2023
Publisher : Sharia Economics Department Universitas KH. Abdul Chalim, Mojokerto

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.31538/iijse.v6i2.3325

Abstract

The purpose of writing this article is to examine influence agent competency and trust have on customer loyalty for Sharia life insurance (Case Study of PT Prudential Life assurance branch of Binjai). This study applies a quantitative descriptive method with multiple linear regression analysis. This study applies data processing according to statistical mechanisms and then interpreted in the form of numbers obtained from the instrument in the form of a questionnaire. This study has subjects in the form of customers from PT Prudential Life assurance Binjai branch and objects in the form of the influence of agent competence and trust on consumer loyalty. The population of this study is a number of 80 Sharia life insurance customers and applies a sampling technique in the form of a saturated sample. This is because the population is under 100 people so that all of them are drawn as research samples. Based on the results of data processing obtained through the t test obtained a count of 3.798 and a significance of 0.000. So the interpretation is tcount>ttable (3.798>1.29). The first hypothesis is accepted so that competence has a positive and significant effect on customer royalties of PT Prudential Life assurance Binjai branch. Then the results of subsequent tests on the trust variable obtained t count of -2.295 and a Sig value of 0.024. So it is interpreted that tcount<ttable (-2.295<1.29) so that the second hypothesis is rejected because trust has a negative and significant effect on consumer loyalty.
Quadruple Helix Strategy in Increasing the Quality of Human Resources (HR) in the Creative Industry of Muslim Fashion in Binjai Salwa Fadhilah Haya; Nur Ahmadi Bi Rahmani; Wahyu Syarvina
Indonesian Interdisciplinary Journal of Sharia Economics (IIJSE) Vol 6 No 2 (2023): Sharia Economic: July, 2023
Publisher : Sharia Economics Department Universitas KH. Abdul Chalim, Mojokerto

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.31538/iijse.v6i2.3416

Abstract

Collaboration among government actors, academics, business owners, and the community is needed in the strategy to increase the workforce for the Muslim fashion industry in Binjai City. This study aims to analyze the roles and relationships of each actor in improving fieldwork in Binjai. This research method is qualitative with a Quadruple helix approach in realizing an increase in the creative industry workforce in the Muslim fashion sector in Binjai. The results of this study indicate that the Quadruple Helix actors involved in absorbing labor in the Muslim fashion industry, namely the roles of stakeholders such as universities, business people, and the community, have multiplied. At a time when the government’s role in the development of the fashion business is growing, the creative industry workforce is still not running optimally. The synergy between these stakeholders has been going well, both are mutually beneficial. The strategy between the Quadruple helix has been going well, through Segmenting, Targeting, and positioning, how to promote with promotional media users.
Factors Affecting Profit Growth in Sharia Life Insurance Companies Mutiara Sawitri Pane; Nur Ahmadi Bi Rahmani; Muhammad Syahbudi
Indonesian Interdisciplinary Journal of Sharia Economics (IIJSE) Vol 6 No 3 (2023): Sharia Economic: November, 2023
Publisher : Sharia Economics Department Universitas KH. Abdul Chalim, Mojokerto

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.31538/iijse.v6i3.3758

Abstract

In 2021, there will be fewer Sharia life insurance providers than there were in 2020. The goal of this research is to analyze Islamic life insurance firms in Indonesia from 2016-2021 from the perspectives of claims, investment returns, underwriting outcomes, operational expenses, and profit growth. This research employs a quantitative methodology, and the analytical technique used is board information relapse inquiry with the use of Eviews 12. Secondary data were collected from five Sharia life insurance businesses registered with the AASI between 2016 and 2021. The results showed that Sharia life insurers are significantly affected by a number of factors all at once, including claims variability, investment returns, underwriting outcomes, operational expenses, and profit growth. The claim variable has moderately significant negative repercussions, whereas the investment return variable has moderately significant positive repercussions. Then, neither the underwriting outcome variables nor the operating expenses matter much.
The Effect of Entrepreneurship Orientation, Knowledge Management, and Partnership on MSMEs Performance in the Perspective of the Islamic Economy with Competitive Advantage as an Intervening Variable Aulia Nurrahmah Lubis; Maryam Batubara; Nur Ahmadi Bi Rahmani
Indonesian Interdisciplinary Journal of Sharia Economics (IIJSE) Vol 6 No 2 (2023): Sharia Economic: July, 2023
Publisher : Sharia Economics Department Universitas KH. Abdul Chalim, Mojokerto

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.31538/iijse.v6i2.3781

Abstract

This research aims to know the influence of entrepreneurial orientation toward competitive advantage, to determine the effect of management knowledge on competitive advantage, the effect of partnership on competitive advantage, entrepreneurial orientation on the performance of MSMEs, management knowledge on the performance of MSMEs, partnership on the performance of MSMEs, competitive advantage on the performance of SMEs, entrepreneurial orientation on the performance of MSMEs through competitive advantage, management knowledge on the performance of MSMEs through competitive advantage, partnerships on the performance of MSMEs through competitive advantage. The type of research that will be carried out in this study is quantitative research. Results of the research show that entrepreneurial orientation influences competitive advantage. Management knowledge influences competitive advantage. The partnership has no effect on competitive advantage. Entrepreneurial orientation influences the performance of MSMSe. Management knowledge influences the performance of MSMEs. The partnership has no effect on the performance of MSMEs. Competitive advantage has no effect on the performance of MSMEs. Entrepreneurial orientation influences the performance of MSMEs through competitive advantage. Management knowledge has no effect on the performance of MSMEs through competitive advantage. The partnership does not affect the performance of MSMEs through competitive advantage.
Analysis of The Influence Of Trust, Institutional Image, and Service Quality on Donator Loyalty with Satisfaction as a Moderating Variable (Case Study in LAZIS Muhammadiyah, Medan) Ahmad Bayu Nugroho; Sri Sudiarti; Nur Ahmadi Bi Rahmani
Indonesian Interdisciplinary Journal of Sharia Economics (IIJSE) Vol 6 No 3 (2023): Sharia Economic: November, 2023
Publisher : Sharia Economics Department Universitas KH. Abdul Chalim, Mojokerto

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.31538/iijse.v6i3.3819

Abstract

This study aims to determine and analyze the effect of trust, institutional image, and service quality on donor loyalty at LAZIS Muhammadiyah Medan with donor satisfaction as a moderating variable. The population of this research is regular donors from LAZIS Muhammadiyah Medan. The total sampling in this study is regular donors who donated at LAZIS Muhammadiyah Medan City in 2022 as many as 108 respondents. The method used in this study uses a quantitative approach using data from a questionnaire measured by a Likert scale. Testing the data in this study used multiple regression analysis, as well as the Moderated Regression Analysis (MRA) interaction test. The results of this study indicate that trust, institutional image, and service quality partially have a significant effect on donor loyalty. Interaction test results show that donor satisfaction does not moderate the effect of trust and service quality on donor loyalty. However, it moderates the effect of institutional image on donor loyalty satisfaction.
The Influence of Digital Marketing, Brand Image, and Service Facilities on Customers’ Saving Interest Decisions (A Case Study of BSI Branch Office Gajah Mada) Fairuz Firjatullah; Nur Ahmadi Bi Rahmani; Muhammad Latief Ilhamy NST
Indonesian Interdisciplinary Journal of Sharia Economics (IIJSE) Vol 6 No 3 (2023): Sharia Economic: November, 2023
Publisher : Sharia Economics Department Universitas KH. Abdul Chalim, Mojokerto

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.31538/iijse.v6i3.3896

Abstract

In this study, the aim was to determine the effect of digital marketing, brand image, and service facilities on customer interest, and retention (a case study of BSI Branch Office (KC) Gajah Mada). The type of research used in this research is quantitative research. The object of this research was carried out at BSI KC Gajah Mada. The population used in this study were 3,415 BSI KC Gajah Mada customers who saved at the bank in 2020- 2023. While the sample data was taken using the Slovin formula as many as 97 respondents. The authors’ data analysis technique uses Validity and Reliability tests, as well as multiple classical assumption tests such as normality, multicollinearity tests, heteroscedasticity tests, and autocorrelation tests. Based on the results of research conducted partially, shows that digital marketing, brand image, and service facilities have a significantly positive effect on customer interest in deposits at BSI KC Gajah Mada. The calculation of the F test shows that the Fcount value is 51.223 with a significant value of 0.000. Because the significance value (α) <0.05, namely 0.000 <0.05, and for the value of Fcount > Ftable, namely 46.904 > 2.70. So, it means that it can be stated that simultaneously all the independent variables have a significant positive effect on the dependent variable interest in making customers (Y). 05 and for the value of Fcount > Ftable, namely 46.904 > 2.70.
The Effect of Financing Margin, Religiosity, and Family on the Decision to Financing BSI Pensiunan Berkah at Bank Syariah Indonesia KC. Padangsidimpuan Rahul Al Fatah Suripto; Marliyah Marliyah; Nur Ahmadi Bi Rahmani
Indonesian Interdisciplinary Journal of Sharia Economics (IIJSE) Vol 8 No 1 (2025): Sharia Economics
Publisher : Universitas KH. Abdul Chalim Mojokerto

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.31538/iijse.v8i1.6402

Abstract

The purpose of this study was to determine the effect of financing margin on customer decisions to finance BSI Pensiun Berkah. To determine the effect of religiosity on customer decisions to finance BSI Pensiun Berkah. To determine the influence of family on customer decisions to finance BSI Pensiun Berkah. To determine the effect of financing margin, religiosity, and family simultaneously on customer decisions to finance BSI Pensiun Berkah. In this study, the population used was pre-retired civil servant customers in Padangsidimpuan whose number was not known for certain. The research sample is part of the number and characteristics of the population. Because the researcher does not know for sure the number of pre-retirement customer populations who finance at BSI KC Padangsidimpuan, the researcher used the Lemeshow formula. So in this study, the researcher used a minimum sample size of 96 respondents who had financed at Bank Syariah Indonesia KC. Padangsidimpuan. This research method uses an associative approach and the research method used is quantitative which is based on the philosophy of positivism and uses the assistance of the IBM SPSS version 24 application program. This study used a questionnaire with a sample of 96 respondents. The results of the study indicate that financing margin, religiosity, and family simultaneously influence the customer's decision to finance a blessed pension at Bank Syariah Indonesia Kc. Padangsidimpuan, as with the results of the F-Test. Based on the results of the T-Test, the financing margin variable obtained 0.632, then the religiosity variable obtained 1.986 and the family variable obtained 4.478. So it can be concluded that only the family variable has a significant positive effect on the customer's decision to finance a blessed pension at Bank Syariah Indonesia Kc. Padangsidimpuan, because of the three variables, only the family variable obtained a value greater than the T-table of 1.986.