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Nur Aziroh
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Economics, Econometrics & Finance

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ANALISIS FAKTOR-FAKTOR YANG MEMPENGARUHI TINGKAT KEPERCAYAAN NASABAH MUSLIM PENGGUNA MOBILE BANKING DI BANK MUAMALAT INDONESIA 118 KANTOR CABANG PEMBANTU KUDUS Aziroh, Nur
EQUILIBRIUM Vol 1, No 1 (2013): Jurnal Equilibrium
Publisher : EQUILIBRIUM

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Abstract

This research intends to know the factors that influence the level of customer confidence Muslims mobile banking users in Bank Muamalat Indonesia Holy Branch Office. The sample in this study amounted to 160, which is a mobile banking users in Bank Muamalat Indonesia Holy KCP. Statistical tool used is Structural Equation Modeling (SEM). Data were analyzed using statistical software AMOS 16.0. The results of this study indicate that shared value is a factor that affects customer confidence in mobile banking users, while the communication has not been able to increase customer confidence in mobile banking users and opportunistic behaviors control has not been able to increase the confidence of users of mobile banking.
MUSYARAKAH DALAM FIQIH DAN PERBANKAN SYARIAH Aziroh, Nur
EQUILIBRIUM Vol 2, No 2 (2014): EQUILIBRIUM
Publisher : EQUILIBRIUM

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Abstract

The Practice of Musharaka in Islamic banking are difference from Musharaka in jurisprudence perspective. This can be seen from the elements of capital, management, duration of the contract, warranty, and profit sharing. This study aims to determine the theoretical foundations associated Musharaka in jurisprudence and Islamic banking. The results showed that the Musharaka in Islamic banking has not been implemented in accordance with the Islamic jurisprudence, where there are elements of usury, namely the determination of the nominal money to be deposited is determined at the beginning even though not yet know whether the work done customer experience gains or losses, as well as the persistence of guarantees in musharaka contract, other than that if the work done there is a loss of customers, the loss is only borne by the customer only.Praktik musyarakah di perbankan syariah berbeda dengan musyarakah perspektif fiqih. Hal tersebut dapat dilihat dari unsur modal, manajemen, masa berlakunya kontrak, jaminan, dan bagi hasil. Penelitian ini bertujuan untuk mengetahui dasar-dasar teori yang terkait musyarakah dalam fiqih dan perbankan syariah. Hasil penelitian menunjukkan bahwa musyarakah yang dilaksanakan di perbankan syariah belum sesuai dengan kosep fiqih, di mana masih ada unsur riba, yaitu dalam penetapan nominal uang yang harus disetorkan ditentukan di awal padahal belum mengetahui apakah usaha yang dilakukan nasabah mengalami keuntungan atau kerugian, serta masih adanya jaminan dalam akad musyarakah, selain itu apabila usaha yang dilakukan nasabah terjadi kerugian maka kerugian hanya ditanggung oleh nasabah saja.Kata Kunci: Musyarakah, Fiqh  dan Perbankan Syariah
ANALISIS FAKTOR-FAKTOR YANG MEMPENGARUHI TINGKAT KEPERCAYAAN NASABAH MUSLIM PENGGUNA MOBILE BANKING DI BANK MUAMALAT INDONESIA 118 KANTOR CABANG PEMBANTU KUDUS Aziroh, Nur
EQUILIBRIUM Vol 1, No 1 (2013): EQUILIBRIUM
Publisher : EQUILIBRIUM

Show Abstract | Download Original | Original Source | Check in Google Scholar

Abstract

This research intends to know the factors that influence the level of customer confidence Muslims mobile banking users in Bank Muamalat Indonesia Holy Branch Office. The sample in this study amounted to 160, which is a mobile banking users in Bank Muamalat Indonesia Holy KCP. Statistical tool used is Structural Equation Modeling (SEM). Data were analyzed using statistical software AMOS 16.0. The results of this study indicate that shared value is a factor that affects customer confidence in mobile banking users, while the communication has not been able to increase customer confidence in mobile banking users and opportunistic behaviors control has not been able to increase the confidence of users of mobile banking.
ANALISIS FAKTOR-FAKTOR YANG MEMPENGARUHI TINGKAT KEPERCAYAAN NASABAH MUSLIM PENGGUNA MOBILE BANKING DI BANK MUAMALAT INDONESIA 118 KANTOR CABANG PEMBANTU KUDUS Sa'diyah, Mahmudatus; Aziroh, Nur
EQUILIBRIUM Vol 1, No 1 (2013): EQUILIBRIUM
Publisher : Prodi Ekonomi Syariah Pascasarjana IAIN Kudus

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.21043/equilibrium.v1i1.202

Abstract

This research intends to know the factors that influence the level of customer confidence Muslims mobile banking users in Bank Muamalat Indonesia Holy Branch Office. The sample in this study amounted to 160, which is a mobile banking users in Bank Muamalat Indonesia Holy KCP. Statistical tool used is Structural Equation Modeling (SEM). Data were analyzed using statistical software AMOS 16.0. The results of this study indicate that shared value is a factor that affects customer confidence in mobile banking users, while the communication has not been able to increase customer confidence in mobile banking users and opportunistic behaviors control has not been able to increase the confidence of users of mobile banking.
MUSYARAKAH DALAM FIQIH DAN PERBANKAN SYARIAH Sa'diyah, Mahmudatus; Aziroh, Nur
EQUILIBRIUM Vol 2, No 2 (2014): EQUILIBRIUM
Publisher : Prodi Ekonomi Syariah Pascasarjana IAIN Kudus

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.21043/equilibrium.v2i2.727

Abstract

The Practice of Musharaka in Islamic banking are difference from Musharaka in jurisprudence perspective. This can be seen from the elements of capital, management, duration of the contract, warranty, and profit sharing. This study aims to determine the theoretical foundations associated Musharaka in jurisprudence and Islamic banking. The results showed that the Musharaka in Islamic banking has not been implemented in accordance with the Islamic jurisprudence, where there are elements of usury, namely the determination of the nominal money to be deposited is determined at the beginning even though not yet know whether the work done customer experience gains or losses, as well as the persistence of guarantees in musharaka contract, other than that if the work done there is a loss of customers, the loss is only borne by the customer only.Praktik musyarakah di perbankan syariah berbeda dengan musyarakah perspektif fiqih. Hal tersebut dapat dilihat dari unsur modal, manajemen, masa berlakunya kontrak, jaminan, dan bagi hasil. Penelitian ini bertujuan untuk mengetahui dasar-dasar teori yang terkait musyarakah dalam fiqih dan perbankan syariah. Hasil penelitian menunjukkan bahwa musyarakah yang dilaksanakan di perbankan syariah belum sesuai dengan kosep fiqih, di mana masih ada unsur riba, yaitu dalam penetapan nominal uang yang harus disetorkan ditentukan di awal padahal belum mengetahui apakah usaha yang dilakukan nasabah mengalami keuntungan atau kerugian, serta masih adanya jaminan dalam akad musyarakah, selain itu apabila usaha yang dilakukan nasabah terjadi kerugian maka kerugian hanya ditanggung oleh nasabah saja.Kata Kunci: Musyarakah, Fiqh  dan Perbankan Syariah
Co-Authors Sadiyah, Mahmudatus