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The Impact of Islamic Service Quality, Complaint Handling, and Margins on Customer Satisfaction in Islamic Financial Institutions: Pengaruh Kualitas Layanan Syariah, Penanganan Keluhan, dan Margin terhadap Kepuasan Nasabah di Lembaga Keuangan Syariah Nasrulloh, Nasrulloh; Saputri, Nensy Dwi
Az-Zarqa': Jurnal Hukum Bisnis Islam Vol. 16 No. 1 (2024): Az-Zarqa'
Publisher : Sharia and Law Faculty of Sunan Kalijaga Islamic State University Yogyakarta

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.14421/zdfxh932

Abstract

Abstract: The increasing competition within the financial industry has compelled Islamic Financial Institutions to prioritize customer satisfaction as a primary objective. This study aims to analyze the influence of Islamic service quality, complaint handling, and margins on customer satisfaction using a mixed-method approach with a sequential explanatory design. In the quantitative phase, a survey was conducted with 85 customers selected randomly using a simple random sampling technique, where data were collected through a 5-point Likert scale questionnaire and analyzed using multiple linear regression in SPSS version 25. The qualitative phase involved semi-structured interviews with 10 customers selected through purposive sampling, analyzed thematically based on social capital theory. The results indicate that Islamic service quality, complaint handling, and margins positively and significantly influence customer satisfaction, contributing to 72.2% of the variability in customer satisfaction. The qualitative analysis confirms that trust, Islamic norms, and social networks play a pivotal role in enhancing customer satisfaction, particularly through transparent, responsive, and fair Islamic service delivery. This study recommends improving empathetic service delivery, prompt complaint resolution, and competitive yet Sharia-compliant margin adjustments to enhance the competitiveness of Islamic financial institutions. The theoretical implication highlights the importance of social capital as a key element in fostering sustainable relationships between Islamic financial institutions and their customers. Abstrak: Peningkatan persaingan dalam industri keuangan mendorong Lembaga Keuangan Syariah untuk memprioritaskan kepuasan nasabah sebagai tujuan utama. Penelitian ini bertujuan untuk menganalisis pengaruh kualitas pelayanan Islami, penanganan komplain, dan margin terhadap kepuasan nasabah menggunakan metode mixed method dengan desain eksplanatori sekuensial. Pada tahap kuantitatif, survei dilakukan terhadap 85 nasabah yang dipilih secara acak menggunakan teknik random sampling, yang mana data dikumpulkan melalui kuesioner skala Likert 5 dan dianalisis menggunakan regresi linear berganda dengan SPSS versi 25. Tahap kualitatif melibatkan wawancara semi-terstruktur dengan 10 nasabah yang dipilih secara purposive sampling, dengan analisis tematik berdasarkan teori modal sosial. Hasil penelitian menunjukkan bahwa kualitas pelayanan Islami, penanganan komplain, dan margin memiliki pengaruh positif dan signifikan terhadap kepuasan nasabah, dengan kontribusi sebesar 72,2% terhadap variabilitas kepuasan nasabah. Analisis kualitatif menegaskan bahwa kepercayaan, norma Islami, dan jaringan sosial memainkan peran penting dalam meningkatkan kepuasan nasabah, terutama melalui pelayanan Islami yang transparan, responsif, dan adil. Penelitian ini merekomendasikan peningkatan layanan berbasis empati, penyelesaian komplain secara cepat, dan penyesuaian margin yang kompetitif namun sesuai syariah untuk meningkatkan daya saing lembaga keuangan syariah. Implikasi teoretis menyoroti pentingnya modal sosial sebagai elemen kunci dalam membangun hubungan berkelanjutan antara lembaga keuangan syariah dan nasabah.
Analysis of the Influence of Macroeconomic Variables and Internal Bank Performance on the Profitability of Islamic Banking in Indonesia Sa'diyah, Rismawati; Nasrulloh, Nasrulloh
MAKSIMUM: Media Akuntansi Universitas Muhammadiyah Semarang Vol 15, No 1 (2025): MAKSIMUM: Media Akuntansi Universitas Muhammadiyah Semarang
Publisher : Universitas Muhammadiyah Semarang

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.26714/mki.15.1.2025.121-139

Abstract

This study aims to examine and analyze the profitability level of Islamic banking in Indonesia by considering macroeconomic conditions, such as inflation, the BI-Rate, and exchange rates, as well as the internal performance of Islamic banks, including CAR, FDR, and BOPO. The research adopts a quantitative methodology with a time-series data analysis covering five years (2019–2023), comprising 60 samples. Data analysis uses the VECM method and the Granger Causality Test to identify causal relationships between variables. Additionally, the study employs Impulse Response Functions and Variance Decomposition to determine the magnitude of variable impacts. The study results indicate that macroeconomic conditions and internal bank characteristics significantly impact efforts to enhance the profitability of Islamic banking. In the short term, the CAR, BOPO, FDR, and exchange rate variables have an insignificant negative effect. Conversely, inflation exhibits a significant positive relationship, while the BI Rate has an insignificant positive effect on improving Islamic banking profitability. In the long term, the CAR, FDR, and inflation variables negatively influence Islamic banking profitability, whereas BOPO has an insignificant positive impact. On the other hand, the BI Rate and exchange rate variables show a relatively significant positive effect. However, these variables collectively substantially impact the profitability of Islamic banking in Indonesia. Bank Indonesia and other financial authorities can utilize the research findings to design more responsive policies to maintain the profitability of Islamic banking. This study provides empirical evidence that can assist Islamic banks in risk management strategies and financial planning.
Model For Measuring The Level Of OHS Maturity Based On The Level Of Job Satisfaction Nasrulloh, Nasrulloh; Purnomo, Hari
JTI: Jurnal Teknik Industri Vol 10, No 1 (2024): JUNI 2024
Publisher : Universitas Islam Negeri Sultan Syarif Kasim Riau

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.24014/jti.v10i1.28742

Abstract

In the current electricity development project, the understanding of OSH does not seem to be fully implemented. One indication that the knowledge of OSH has not been fully implemented is that workers are still unaware of the hazards associated with their work. Based on these issues, the question is whether intrinsic factors (motivation) and extrinsic factors (hygiene) influence job satisfaction and worker performance in achieving zero accidents. This research will focus on how the measurement model can influence the OHS maturity level and what design strategies will be used to improve the OHS maturity level performance. This research aims to obtain a measurement model that can influence the OHS Maturity Level and provide a design strategy used to improve the OHS Maturity Level. The author uses quantitative methods and collects data from 516 PT PLN (Persero) UIP Nusa Tenggara Working Partners correspondents. Data testing methods include the measurement model test, structural equation model test, model accuracy test (goodness of fit), and hypothesis test. The results showed that job satisfaction variables, directly and indirectly, affect K3 Maturity Level performance. Therefore, a programme design is needed to maintain the K3 Maturity Level performance results and increase the value of the current K3 Maturity Level performance results. Policy-based programmes and communication-based programmes are the programme designs. These two programs aim to maintain and improve the value of the OHS Maturity Level performance. Keywords:hygiene factors, motivational factors, job satisfaction, OHS maturity level performance 
VECTOR ERROR CORRECTION MODEL (VECM) APPROACH IN ANALYZING THE DYNAMIC RELATIONSHIP BETWEEN GROSS DOMESTIC PRODUCT (GDP) AND ISLAMIC BANK FINANCING IN INDONESIA Zulkarnain, Riyan; Nasrulloh, Nasrulloh; Izzati Septiana, Nurul
Ekonomi Islam Vol. 16 No. 1 (2025): Jurnal Ekonomi Islam Fakultas Agama Islam UHAMKA
Publisher : Universitas Muhammadiyah Prof DR HAMKA

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.22236/jei.v16i1.18780

Abstract

Research aims: This study investigates the connection between Islamic bank financing and the Gross Domestic Product (GDP) of Indonesia. Design/Methodology/Approach: Using secondary time-series data (2015 – 2023), this study employs the Vector Error Correction Model (VECM) within a quantitative framework to investigate short-run and long-run dynamics between the two variables. Research findings: This study reveals that Islamic financing is a key factor in fostering long-term economic growth, although its influence in the short term shows a fluctuating pattern. The Granger test indicates bidirectional causality, while the IRF and VD analyses show an initial positive impact of Islamic financing on GDP that diminishes over time. Theoretical Contribution/Originality: This study develops the theoretical framework of Islamic banking by demonstrating that financing is directed toward the real sector based on principles of justice (free of interest and speculation) and isolated from non-bank variables, such that funding can foster pure economic growth. Practitioners/Policy Implications: To achieve the real-world impact of Islamic financing on the national economy, close collaboration between financial regulators, academics, industry stakeholders, and Islamic social organizations is essential. Research Limitations/Implications: The overall scope of the data used remains limited, particularly regarding the exclusion of external variables such as global economic dynamics, the level of financial inclusion, and fiscal policies, which may implicitly influence the research outcomes.
Pendidikan Al-Qur'an dan Hadits: Membentuk Generasi Cerdas di Era Pendidikan Kontemporer Rifai, Ahmad; Nasrulloh, Nasrulloh
Edu Journal Innovation in Learning and Education Vol. 3 No. 1 (2025): Edu Journal in Learning and Education
Publisher : Fakultas Tarbiyah Institut Pesantren Sunan Drajat Lamongan

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.55352/edu.v3i1.1503

Abstract

Learning media has an important role in the teaching and learning process, but in reality there are still many learning activities that do not utilize the media optimally. Based on the results of field research, it was found that Arabic language learning at MI Islamiyah Kedungmegaraih Kembangbahu Lamongan did not find interactive learning media and student learning outcomes in mastering Arabic vocabulary were still low. This study aims to develop a power point learning media on vocabulary material and to determine the feasibility of the developed power point learning media. This study was conducted using the Research and Development (R&D) method which adopted the development of Borg & Gall. The instrument for data collection used questionnaires and interviews. Based on the results of this study, it was found that the development of interactive media based on power point includes three main things, namely: media, material and language. in aspects: 1) media feasibility is 97.2% in the "very feasible" category, 2) material feasibility aspect with "very feasible" with a percentage of 92.8%, 3) language feasibility aspect with a percentage of 95% in the "very feasible" category
Contextualization of the Law of Marrying Adultery on Married by Accident Phenomenon in the Hadith History of Imam Abu Dawud nasrulloh, nasrulloh; Nabila, Farhanah Az Zahrowani; Al Kaswy, Titi Rusydiyati
Jurnal Mahkamah : Kajian Ilmu Hukum dan Hukum Islam Vol. 6 No. 2 December (2021)
Publisher : Institut Agama Islam Ma'arif NU (IAIMNU) Metro Lampung

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.25217/jm.v6i2.1750

Abstract

This article contains the legal contextualization of marrying adulterers on the emergence of the phenomenon Married by Accident in Indonesia with the hadith in Sunan Abu Dawud number 2052. The discussion regarding the quality of the hadith in Sunan Abu Dawud number 2052 in its use as evidence (hujjah) and how is the correlation between the meaning of the hadith and the contextualization of the rules of marrying an adulterer in the phenomenon of married by accident is interesting to discuss seeing the position of hadith as a muttafaq source in addressing all of the problems in human life. The method used in this study is a fiqh-hadith approach using takhrij hadith. The results obtained show that the quality of the hadith prohibiting adulterous marriage on Sunan Abu Dawud number 2052 can be categorized as authentic hadith and can be used as evidence (hujjah) in the legal decision (istinbath) of marriying adulterers. Meanwhile, the meaning analysis of this hadith correlated with the Married by accident phenomenon can be known that the law of marrying an adulterer is permitted by consider the benefit in it.
PENERAPAN KURIKULUM MERDEKA PADA PEMBELAJARAN AGAMA ISLAM DI SMP AMANAH KOTA TANGERANG kifli, zul; Ananta Yudha, Yugen; Nasrulloh, Nasrulloh; lesmana, deni
Rausyan Fikr : Jurnal Pemikiran dan Pencerahan Vol 21, No 1 (2025): RAUSYAN FIKR
Publisher : Universitas Muhammadiyah Tangerang

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.31000/rf.v21i1.14350

Abstract

Skor PISA yang rendah serta fenomena learning loss akibat pandemi adalah beberapa permasalahan yang dihadapi pendidikan di Indonesia. Untuk mengatasi hal tersebut, pemerintah mengeluarkan kebijakan Kurikulum Merdeka. Penelitian ini bertujuan untuk mengetahui bagaimana penerapan Kurikulum Merdeka pada pembelajaran PAI di SMP Amanah serta mengetahui persepsi pendidik terkait penerapan kurikulum tersebut. Penelitian ini termasuk penelitian kualitatif deskriptif dengan menggunakan metode studi kasus. Teknik pengumpulan data dilakukan melalui wawancara, observasi, dan studi dokumentasi yang kemudian dianalisis dengan menggunakan konsep analisis interaktif Miles dan Huberman. Hasil penelitian ini menyimpulkan bahwa pembelajaran PAI di SMP Amanah yang menggunakan Kurikulum Merdeka secara umum tidak terlalu berbeda dengan mata pelajaran lainnya baik dari segi perancangan modul, metode ajar, pemanfaatan teknologi, dan penanaman nilai karakter Profil Pelajar Pancasila. Adapun penerapan Kurikulum Merdeka mendapatkan persepsi positif dari para pendidik di SMP Amanah.
VECTOR ERROR CORRECTION MODEL (VECM) APPROACH IN ANALYZING THE DYNAMIC RELATIONSHIP BETWEEN GROSS DOMESTIC PRODUCT (GDP) AND ISLAMIC BANK FINANCING IN INDONESIA Zulkarnain, Riyan; Nasrulloh, Nasrulloh; Izzati Septiana, Nurul
Ekonomi Islam Vol. 16 No. 1 (2025): Jurnal Ekonomi Islam Fakultas Agama Islam UHAMKA
Publisher : Universitas Muhammadiyah Prof DR HAMKA

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.22236/jei.v16i1.18780

Abstract

Research aims: This study investigates the connection between Islamic bank financing and the Gross Domestic Product (GDP) of Indonesia. Design/Methodology/Approach: Using secondary time-series data (2015 – 2023), this study employs the Vector Error Correction Model (VECM) within a quantitative framework to investigate short-run and long-run dynamics between the two variables. Research findings: This study reveals that Islamic financing is a key factor in fostering long-term economic growth, although its influence in the short term shows a fluctuating pattern. The Granger test indicates bidirectional causality, while the IRF and VD analyses show an initial positive impact of Islamic financing on GDP that diminishes over time. Theoretical Contribution/Originality: This study develops the theoretical framework of Islamic banking by demonstrating that financing is directed toward the real sector based on principles of justice (free of interest and speculation) and isolated from non-bank variables, such that funding can foster pure economic growth. Practitioners/Policy Implications: To achieve the real-world impact of Islamic financing on the national economy, close collaboration between financial regulators, academics, industry stakeholders, and Islamic social organizations is essential. Research Limitations/Implications: The overall scope of the data used remains limited, particularly regarding the exclusion of external variables such as global economic dynamics, the level of financial inclusion, and fiscal policies, which may implicitly influence the research outcomes.
Transformasi Ekonomi Pedesaan: Peningkatan Nilai Produk Pertanian melalui Pelatihan Produksi Halal dan Pendampingan Sertifikasi Halal Setiawan, Firman; Qomaro, Galuh Widitya; Nasrulloh, Nasrulloh
Jurnal Pengabdian Pada Masyarakat Vol 10 No 2 (2025): Jurnal Pengabdian Pada Masyarakat
Publisher : Universitas Mathla'ul Anwar Banten

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.30653/jppm.v10i2.1197

Abstract

Program pengabdian kepada masyarakat ini bertujuan untuk meningkatkan kemandirian ekonomi kelompok tani dan pelaku usaha mikro kecil (UMK) di Desa Totosan, Kabupaten Sumenep, melalui pelatihan produksi halal dan pendampingan sertifikasi halal. Kegiatan dilaksanakan dalam tiga tahapan, yaitu persiapan, pelatihan dan pendampingan, serta evaluasi. Sebanyak 25 peserta yang terdiri dari petani yang sekaligus pelaku UMK mengikuti pelatihan teknis mengenai proses produksi halal dan prosedur sertifikasi. Pelatihan ini berhasil meningkatkan pemahaman dan keterampilan peserta dalam mengolah hasil pertanian menjadi produk bernilai tambah sesuai standar halal. Sejumlah peserta menunjukkan kesiapan untuk melanjutkan ke tahap pengajuan sertifikasi halal untuk produk jadi yang diolah dari hasil pertanian. Namun ada beberapa peserta yang masih dalam proses penyempurnaan produksi dengan pendampingan lanjutan. Program ini memberikan dampak positif berupa peningkatan kapasitas produksi, produk yang memenuhi standar halal, akses yang lebih luas ke pasar halal, serta kemandirian ekonomi dan pengurangan ketergantungan terhadap tengkulak. Dengan demikian, program ini diharapkan mendukung pertumbuhan ekonomi pedesaan yang mandiri dan berkelanjutan. This community service program aims to increase the economic independence of farmer groups and micro and small enterprises (MSEs) in Totosan Village, Sumenep Regency, through halal production training and halal certification assistance. The activity was carried out in three stages, namely preparation, training and mentoring, and evaluation. A total of 25 participants consisting of farmers who are also MSE actors participated in technical training on the halal production process and certification procedures. This training succeeded in increasing participants' understanding and skills in processing agricultural products into value-added products according to halal standards. A number of participants showed readiness to proceed to the stage of applying for halal certification for finished products processed from agricultural products. However, there are some participants who are still in the process of perfecting production with follow-up assistance. This program has a positive impact in the form of increasing production capacity, products that meet halal standards, wider access to the halal market, as well as economic independence and reducing dependence on middlemen. Thus, this program is expected to support independent and sustainable rural economic growth.
Penerapan Metode STIFIn dalam Menghafal Al-Qur'an di Pondok Pesantren Al-Fuad Fahmi Wahidiyah, Kholidatun Nur; Nasrulloh, Nasrulloh; Fadlan, Muhammad
Jurnal Studi Al-Qur'an Vol 21 No 2 (2025): Jurnal Studi Al-Qur'an
Publisher : Islamic Religious Education Departement

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.21009/JSQ.21.2.06

Abstract

Quran memorization methods are a field that continues to experience significant development. Recently, a method originating from psychology, the STIFIn method introduced by Dr. Farid Poniman, has improved Quran memorization techniques. This article aims to analyze the implementation of the STIFIn method at the Al-Fuad Fahmi Islamic Boarding School located in Palasari Village, Tangerang. This study uses a qualitative approach through field research methods, where data is obtained through interviews and observations. The results show that there are five types of intelligence—Sensing, Thinking, Intuiting, Feeling, and Instinct—which are used to identify the potential of each student through fingerprint testing. The results of this test are stable and do not change even though it is administered repeatedly. Implementing the STIFIn method at the Al-Fuad Fahmi Islamic Boarding School is going well. However, several challenges must be overcome to achieve optimal results according to the boarding school's expectations. The recommendation from this study is to improve training and support for teachers in implementing the STIFIn method, as well as to overcome existing obstacles so that students can optimize their potential in memorizing the Qur'an.
Co-Authors Abdul Hafid Abdul Haris Abdul Harris Abdul Kadir Abdul Muid Abdul Rahim Abdullah Amjad Achmad Bagus Syaifullah Ade Susanti Adzin Murdiantoro, Randi Afiroh, Siti Ahmad Abi Najih Ahmad Hafidh Ahmad Izzuddin Ahmad Rifai Ainun Lutfiya Al Haddad, Ali Al Kaswy, Titi Rusydiyati Al-Fairu Zabadi Albana, Muhammad Albi Ali Fahrudin, Ali Alkamala, Safira Naili Alvianingsih, Vivi Amri, Naufal Nuzulul Ananta Yudha, Yugen Arief Rahman Hakim Avifa, Nuzhuliya Mega Azhari, Virgiawan Desriliwa Ade Mela Dewi Anggraeni, Dyah Ayu Ratna Doni Abdul Fatah Dwi Budi Santoso Efendi, Mohamad Nur Erlina Erlina Fadhilah, Mu Ida Nur Fadlan, Muhammad Faishal Agil Al Munawar Fakhrurrozi Fakhrurrozi, Fakhrurrozi Farhanah Az Zahrowani Nabila Faridatus Suhadak Fathurohim, Fathurohim Fatoni, Imam Fauzi, Ahmad Nur Fitra, Muh. Naufal Galuh Widitya Qomaro Hamidah, Husnul HARI PURNOMO Havida, Lailatul Wahyu Hisam Ahyani Iffatin Nur Indah Setiyoningrum, Nurlaila Izzati Septiana, Nurul Jauhari Manasik Kamila, Kamila Khairil Anwar Khairul Umam KHOIRUL ANAM Kholqi, A.M. Sa’dul Kholqi, Ahmad Muhammad Sa’dul Khusniyah Utami Latifah, Siti Nurul Aini Lesmana, Deni Maghfiroh Maghfiroh Mahsunah, Mursyidatul Marwinata, Pepy Maulana, Bagus Restu Miftahul Huda Miftakhul Huda Mu'iz, Dzikrul Hakim Tafuzi Mubarak, Amien Mubarok, Rizky Mufidah, Diana Muh Fathoni Hasyim Muhammad Muhammad Muhammad Sa’dul Kholqi, Ahmad muliyah, pipit Munawaroh, Azizatul Nabila, Farhanah Az Zahrowani Nafila, Radifa Isnain Niken Silmi Surjandari Nugroho, Rahmat Nur Fauzi, Ahmad Nurul Istiqomah Pakaya, Azizah Permadi, Dedeng Prasetya, Panji Rahman, Izzal Afifir Rahmawati, Alvi Ani Dwi Rahmawati, Enjellina Rasyid, Thaifur Risqi, Moh. Rizki Noor Prasetyono Rohmatulloh Rohmatulloh Rohmawaty, Evy Nur Sa'diyah, Rismawati Saleh, Ummu Sulaimah Salleh, Ahmad Zaki Saputri, Nensy Dwi Setiawan, Firman Shihab Irfani Shinta Adhelia Sugiharto Sidqi Ali Sulaiman, Agus Supraptiningsih, Joelianti Dwi Suriyanto, Muhammad Sandika Syafni, Hafidhah Syuhadak, Syuhadak Tamam, Muhammad Ibnu Tino Mutiarawati Titi Rusydiyati Al Kaswy Ubaidillah Zuhdi Uqba, M Sholih Salimul Wadi, Namlul Wahidiyah, Kholidatun Nur Wahyu Prasetyo Wahyuni, Hana Wardani, Retno Endah Kusuma Waryanto, Bambang Dwi Wawan Sutari Widat Khusnatul Laila Nadzir Widyaningrum, Resma Yudha Dwi Putra Negara, Yudha Yusep Purwana Muslih Zaenal Abidin, Faqih Zahira Khairunnisa ZUL KIFLI, ZUL Zulkarnain, Riyan