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All Journal El Dinar At-tijaroh: Jurnal Ilmu Manajemen dan Bisnis Islam Al-Masharif: Jurnal Ilmu Ekonomi dan Keislaman Al Maal: Journal of Islamic Economics and Banking Perdikan: Journal of Community Engagement Oeconomicus Journal of Economics Equalita: Jurnal Studi Gender dan Anak Jurnal Pengabdian Masyarakat (ABDIRA) Banco: Jurnal Manajemen dan Perbankan Syariah Jurnal Ilmiah Mahasiswa Raushan Fikr Al-masharif: Jurnal Ilmu Ekonomi dan Keislaman
Kharis Fadlullah Hana
Institut Agama Islam Negeri Kudus
Religion Aerospace Engineering Arts Humanities Computer Science & IT Economics, Econometrics & Finance Education Environmental Science Languange, Linguistic, Communication & Media Law, Crime, Criminology & Criminal Justice Nursing Social Sciences Other

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Transfer of Funds Via Brilink an Analytical Study of Transactions Within the Framework of Wakalah Bil Ujrah Contract Muhammad Nanda Setiawan; Kharis Fadlullah Hana
Jurnal Ilmiah Mahasiswa Raushan Fikr Vol 13 No 2 (2024): Jurnal Ilmiah Mahasiswa Raushan Fikr
Publisher : Lembaga Kajian dan Pemberdayaan Mahasiswa UIN Prof. KH. Saifuddin Zuhri Purwokerto

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.24090/jimrf.v13i2.11950

Abstract

With today's economic developments, Brilink has emerged as an initiative to provide more efficient and flexible services to the community. Brilink represents a collaboration between Bank BRI and its customers. Within its system, once a partnership is established and officially incorporated into a single corporation, it facilitates ease of transactions both within the same bank and across different banks. This service benefits customers and other parties wishing to conduct transactions without the cumbersome process of visiting a bank directly. This paper aims to elaborate on fund transfers via Brilink and analyze transactions in the context of the wakalah bil ujrah contract. Using a qualitative descriptive method, the study’s findings indicate that fund transfer transactions through Brilink do not constitute riba or usury from an Islamic perspective. This is primarily because the contract is based on mutual consent, involves no coercion, and is mutually beneficial. It also ensures transparency, wherein the customer pays a fee to the agent for the transactional services provided. This payment represents voluntary assistance or a form of mutual aid
THE IMPACT OF SHARIA COMPLIANCE AND SERVICE QUALITY ON CUSTOMER LOYALTY: THE MEDIATING ROLE OF DIGITAL BANKING SERVICES Kharis Fadlullah Hana; Sefira Uzha Safitri; Sugianto Sugianto
EL DINAR: Jurnal Keuangan dan Perbankan Syariah Vol 13, No 1 (2025): El Dinar
Publisher : Faculty of Economics Universitas Islam Negeri Maulana Malik Ibrahim Malang

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.18860/ed.v13i1.32470

Abstract

This study investigates the effects of sharia compliance and service quality on customer loyalty, with a focus on the mediating role of digital banking services. A quantitative research approach was employed using Partial Least Squares Structural Equation Modeling (SEM-PLS) for data analysis. Data were collected from 206 valid respondents, Generation Z users of Bank Syariah Indonesia (BSI) Mobile, out of 300 distributed questionnaires. The findings reveal that sharia compliance does not have a direct impact on customer loyalty but exerts an indirect influence through the use of BSI Mobile services. This is supported by the dominant response indicating that BSI Mobile facilitates the distribution of zakat, infaq, and shodaqoh. However, other findings show that many respondents remain uncertain about BSI’s business activities, leading to doubts about its adherence to halal practices and avoidance of usury (riba). In terms of service quality, BSI has delivered services as promised, and digital banking has enhanced customer convenience by enabling remote interaction with the bank. The study concludes that sharia compliance, in the absence of tangible evidence, does not directly influence customer loyalty. It is recommended that Sharia-compliant banks increase public education and outreach regarding the benefits of their business operations and ensure that sharia principles are more visibly implemented through digital banking services.
Co-Authors Ajeng Rizki Miranti Anggie Nurulita Anita Rahmawaty Aryani Oktaviyanti Aryanti Muhtar Kusuma Dewi Zulia Kunthi Enggar Arrosyad Chodlir Erika Adevia Fendiyani Fazley Noor Andriani Hamzah Said Romdhoni Islahud Dimam Lorena Dara Putri Karsono M. Ghozinul Asror Masfufatul Lailiyah Muhammad Nanda Setiawan Mushoffa Najih Muslikhatul Aini Muttaqin, Ibnu Nurul Fitriani Ridwan Ridwan Sefira Uzha Safitri Sufiana Noor Sugianto Sugianto USWATUN HASANAH Uswatun Hasanah