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Determinants of Customer Satisfaction of BMT Mitra Ummat With SERVQUAL Approach Trisma Kamelia; Fuad Hasyim; Dea Primi Purnamasari
Al Iqtishod: Jurnal Pemikiran dan Penelitian Ekonomi Islam Vol. 11 No. 1 (2023): Al Iqtishod: Jurnal Pemikiran dan Penelitian Ekonomi Islam
Publisher : Prodi Ekonomi Syariah STAI Al-Azhar Menganti Gresik

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.37812/aliqtishod.v11i2.683

Abstract

Baitul Maal wa Tamwil is one of the Islamic financial institutions, where increasing customer satisfaction is a priority that must be done. This is done because of the intense business competition in financial institutions. There is satisfaction from customers, the existence of Baitul Maal wa Tamwil can be maintained. The way that can be done to increase customer satisfaction is by providing the best service. The purpose of this study is to determine and analyze the effect of service quality consisting of reliability, emphaty, responsiveness, tangible, and assurance variables on customer satisfaction of BMT Mitra Ummat. Sampling using accidental sampling with the distribution of questionnaires to BMT Mitra Ummat customers. Primary data were analyzed using multiple regression. The results show that the Tangible Variable affects the customer satisfaction of BMT Mitra Ummat. Where obtained a t value of 6.509 with a significant value of 0.000 < 0.05 means that Ha is accepted and Ho is rejected. The Reliability variable does not affect the customer satisfaction of BMT Mitra Ummat. Where obtained a value of t of -1.443 with a significant value of 0.152 > 0.05 means that Ha is rejected and Ho is accepted. The Responssive variable has no effect on customer satisfaction of BMT Mitra Ummat. Where obtained a t value of -3.019 with a significant value of 0.003 < 0.05 means that Ha is rejected and Ho is accepted. The Assurance variable has no effect on customer satisfaction of BMT Mitra Ummat. Where obtained a t value of 1.798 with a significant value of 0.075 > 0.05 means that Ha is rejected and Ho is accepted. The Empathy variable affects the customer satisfaction of BMT Mitra Ummat. Where obtained a t value of 5.604 with a significant value of 0.000 < 0.05 means that Ha is accepted and Ho is rejected. In the research conducted by (Dibyantoro, 2012) where the results obtained were all variables of service quality affecting Customer Satisfaction at PT Bank BTN Palembang branch. However, it is different from this study where the results of the Tangible and Empathy variables affect the Customer Satisfaction of BMT Mitra Ummat, while the variables of Reliability, Responsiveness and Assurance do not affect the satisfaction of BMT Mitra Ummat customers.
Pengaruh adopsi Technology Acceptance Model terhadap layanan virtual buka rekening BSI Ivena Defira Selly Aryanti; Mutia Aressandy Aressandy; Fuad Hasyim
Journal of Economics and Business Research (JUEBIR) Vol. 2 No. 1 (2023): Juni 2023
Publisher : Fakultas Ekonomi dan Bisnis Islam UIN Raden Mas Said Surakarta

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.22515/juebir.v2i1.6900

Abstract

The purpose of this research is to analyze the influence of the TAM constructs, which consist of usefulness, ease of use, and security, on the virtual account opening service of BSI in Kartasura District. The population in this study is the community in Kartasura District. The sample was obtained using a nonprobability sampling technique by distributing questionnaires, resulting in 100 respondents. The data analysis technique used multiple linear regression with SPSS. The results showed that the variables of usefulness, ease of use, and security had a significant partial and simultaneous effect on the usage decision.
The Influence of Capital, Sensitivity, Diversification, Competition and Pandemic on Stability of Islamic Banking Niken Septiani; Fuad Hasyim; Rais Sani Muharrami
JOURNAL OF SHARIA ECONOMICS Vol. 6 No. 1 (2024): Journal of Sharia Economics
Publisher : Program Studi Ekonomi Syariah, Fakultas Ekonomi dan Bisnis Islam, Universitas Al Hikmah Indonesia

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.35896/jse.v6i1.669

Abstract

Banking stability is an essential factor to measure the level of bank health. This study aims to determine the factors that influence the level of stability of Islamic Banking during the COVID-19 pandemic. ZScore provides bank stability measurement. This study uses the panel data regression analysis method with the OLS approach. Data are taken from the financial statement release of Islamic commercial banks from the first quarter of 2018 to the fourth quarter of 2022, using a purposive sampling technique and processed with E-Views 10 statistical application. The number of sampled banks was 10 banks from 13 populations. The panel data regression processing result concluded that the capital variable significantly positively affects bank stability. The sensitivity, diversification, competition, and pandemic variables do not significantly affect bank stability.
Dampak Rasio Keuangan terhadap Bagi Hasil Tabungan Mudharabah pada Bank Syariah Indonesia (2015-2020) Imbi Dewandari; Fuad Hasyim; Dian Rachmawati
Tasharruf : Journal of Islamic Economics and Business Vol. 4 No. 1 (2023): Tasharruf : Journal of Islamic Economics and Business (Mei)
Publisher : Universitas Nahdlatul Ulama Pasuruan, Indonesia

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.55757/tasharruf.v4i1.219

Abstract

Tingkat bagi hasil tabungan mudharabah sangat penting dalam kinerja perbankan Islam, namun faktor-faktor penentunya masih belum banyak dieksplorasi. Penelitian ini mengkaji dampak rasio keuangan—Capital Adequacy Ratio (CAR), Non-Performing Financing (NPF), Operating Expenses to Operating Income (BOPO), dan Financing to Deposit Ratio (FDR)—terhadap tingkat bagi hasil tabungan mudharabah di Bank Umum Islam di Indonesia dari tahun 2015 hingga 2020. Dengan menggunakan pendekatan penelitian kuantitatif, data dikumpulkan dari 11 Bank Umum Islam yang dipilih melalui purposive sampling dari bank-bank yang terdaftar di Otoritas Jasa Keuangan (OJK). Analisis regresi linier dilakukan untuk menilai hubungan antara rasio keuangan dan tingkat bagi hasil. Temuan penelitian ini mengungkapkan bahwa CAR, BOPO, dan FDR tidak berdampak signifikan terhadap tingkat bagi hasil tabungan mudharabah. Sebaliknya, NPF berdampak signifikan terhadap tingkat bagi hasil, yang menunjukkan bahwa pengelolaan pembiayaan bermasalah yang efektif sangat penting untuk meningkatkan hasil tabungan mudharabah. Hasil ini menyoroti pentingnya praktik pengelolaan keuangan yang baik di bank-bank Islam. Penelitian di masa mendatang harus mengeksplorasi faktor-faktor tambahan yang memengaruhi tabungan mudharabah dan memperluas analisis ke instrumen keuangan Islam lainnya untuk memajukan pengembangan perbankan Islam di pasar negara berkembang.