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All Journal Jurnal Veteriner Jurnal Ilmu Manajemen (JIM) I-Finance Journal Jurnal Masharif al-Syariah: Jurnal Ekonomi dan Perbankan Syariah An-Nisbah : Jurnal Perbankan Syariah International Journal of Social Science Journal of Innovation Research and Knowledge Journal of Islamic Economics Lariba Al-Kharaj: Jurnal Ekonomi, Keuangan & Bisnis Syariah Miracle Get Journal Sustainable Applied Modification Evidence Community Bulletin of Inspiring Developments and Achievements in Midwifery
Yayuk Sri Rahayu
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Religion Agriculture, Biological Sciences & Forestry Humanities Computer Science & IT Decision Sciences, Operations Research & Management Economics, Econometrics & Finance Education Environmental Science Health Professions Industrial & Manufacturing Engineering Languange, Linguistic, Communication & Media Law, Crime, Criminology & Criminal Justice Medicine & Pharmacology Public Health Social Sciences Veterinary Other

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Journal : I-Finance Journal

 1 
DETERMINANTS OF THE DECISION TO BECOME A CUSTOMER OF BANK MUAMALAT KC KEDIRI Ilma Sufia; Yayuk Sri Rahayu
I-Finance Journal Vol 10 No 2 (2024): I-FINANCE: a Research Journal on Islamic Finance
Publisher : Fakultas Ekonomi dan Bisnis Islam Universitas Islam Negeri Raden Fatah Palembang, Indonesia

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.19109/szh17r90

Abstract

This study aims to determine the effect of Islamic branding, product quality, personal selling, and digital marketing on customer decisions. The research methodology used is a quantitative approach. Using accidental sampling and purposive sampling methods . The data used in this study are data from questionnaires distributed to customers of Bank Muamalat KC Kediri which are used as research objects. The number of samples used in this study were 148 respondents. In this study using multiple linear regression analysis. The results showed that partially Islamic branding, product quality, and digital marketing variables had no significant effect on the decision to become a customer. However, the personal selling variable partially has a significant effect on the decision to become a customer. The conclusion of this study is that partially the personal selling variable has a significant effect on the decision to become a customer of Bank Muamalat KC Kediri. While the variable Islamic branding, product quality, digital marketing has no significant effect on the decision to become a customer of Bank Muamalat KC Kediri. And simultaneously the four variables have a positive and significant effect on the decision to become a customer of Bank Muamalat KC Kediri.
E-WOM INFLUENCE ON ACTUAL SAVING BEHAVIOR AT BSI WITH INTEREST AND TRUST MEDIATION Istiqomah, Azizatul; Siswanto; Yayuk Sri Rahayu
I-Finance Journal Vol 11 No 2 (2025): I-FINANCE: a Research Journal on Islamic Finance
Publisher : Fakultas Ekonomi dan Bisnis Islam Universitas Islam Negeri Raden Fatah Palembang, Indonesia

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.19109/ifinance.v11i2.31932

Abstract

The Islamic banking industry in Indonesia has grown significantly over the past decade as public awareness of Sharia-compliant financial services continues to rise. However, participation among younger generations, particularly Generation Z, remains relatively low despite their characteristics as digital natives who are critical of information and prefer practical services aligned with Islamic values. This study examines the influence of Electronic Word of Mouth (E-WOM) on actual saving behavior at Bank Syariah Indonesia (BSI), with saving interest and trust serving as mediating variables. Using a quantitative approach, data were collected from 104 Generation Z respondents in Malang City and analyzed through Structural Equation Modeling (SEM) with SmartPLS 3.0. The findings reveal that E-WOM significantly influences saving interest, trust, and actual saving behavior. Saving interest and trust also function as mediators that strengthen the relationship between E-WOM and saving behavior. These results indicate that digital exposure such as reviews, testimonials, and positive customer experiences can increase interest, build trust, and ultimately encourage concrete financial actions, including opening or maintaining savings accounts. The study concludes that E-WOM-based communication strategies are essential for Islamic banks to attract Generation Z and enhance engagement with Sharia-compliant saving products.
Co-Authors Aldila Nur Rafika Putri Alifiana Fitrianingrum Andriyanto . Anita Lontaan Aulia Andi Mustika Dewi Eka Stia Murni Dewi Rubi Fitriani Diah Nugrahani Pristihadi Dina Ayuning Tyas Diva Syavira Permata Putri Erli Chandra Erma Herdyana Esa Zahirah Euis Atikah Grace Carol Sipasulta Hermita Bus Umar Ilma Sufia Istiqomah, Azizatul Laila Rahmawati Marliana Rahma Mohammad Miftahurrohman Muna, Sirajul Nasiruddin, Iqbal Ni Nyoman Murti Novi Maya Sari Nurhidayati Putri, Talia Radeny Ramdany Ridi Arif Rina Dwi Anggraeni Risna Anggraeni Sari Ida Miharti Siswanto SUYATI Wasmen Manalu Wibowo Hanafi Ari Susanto