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All Journal JURNAL EKONOMI AKUNTANSI DAN MANAJEMEN Journal of Economic, Bussines and Accounting (COSTING) Jurnal Tabarru': Islamic Banking and Finance Syarikat : Jurnal Rumpun Ekonomi Syariah Journal of Finance and Islamic Banking Jurnal Ekonomi, Bisnis & Entrepreneurship (e-Journal) Al-Risalah Jurnal Studi Agama dan Pemikiran Islam
Khusnudin
Universitas Islam Negeri Maulana Malik Ibrahim Malang
Religion Humanities Economics, Econometrics & Finance Education Languange, Linguistic, Communication & Media Social Sciences

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Akuntansi dalam Perspektif Maqashid Syariah Khusnudin Khusnudin
Jurnal Ekonomi Akuntansi dan Manajemen Vol 16 No 2 (2017)
Publisher : Universitas Jember

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.19184/jeam.v16i2.17342

Abstract

Islam as a way of life for Muslims explains comprehensively about worship and muamalah, including in non-cash economic transactions. Various verses in the Koran provide guidance to document non-cash transactions. Honesty, accountability and piety are needed in the recording process. How is the implementation of sharia maqasid in accounting to be important to know. Qualitative research through literature study by studying the normative aspects of the verses of the Koran and the hadith, as well as analyzing through the maqashid sharia approach. Accounting as a complement (tahsiniyat) can turn into a need (hajiyat) at the maqashid level. Sharia orders to record non-cash transactions become a necessity (dharuriyat) to protect property ownership. Keywords: Accounting, Transactions, Maqashid Sharia
PENGARUH KUALITAS PRODUK, KUALITAS PELAYANAN, HARGA DAN BIAYA TERHADAP LOYALITAS NASABAH DI BANK SYARIAH INDONESIA KANTOR CABANG DENPASAR BALI M. Irza Al-Ghifari; Khusnudin
Jurnal Tabarru': Islamic Banking and Finance Vol. 5 No. 2 (2022): Jurnal Tabarru' : Islamic Banking and Finance
Publisher : Department of Islamic Banking, Faculty of Islamic Studies, Islamic University of Riau (UIR)

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.25299/jtb.2022.vol5(2).10883

Abstract

Pendekatan yang digunakan dalam penelitian ini adalah pendekatan kuantitatif dengan metode validitas dan reliabilitas. Variabel yang digunakan terdiri atas kualitas produk, kualitas pelayanan, harga, dan biaya terhadap loyalitas nasabah di Bank Syariah Indonesia Kantor Cabang Denpasar Bali periode 2021-2022. Pengambilan sampel dilakukan dengan teknik nonprobability sampling. Berdasarkan perhitungan Slovin diperoleh besaran sampel yaitu nasabah Bank Syariah Indonesia KC Denpasar Bali yaitu berjumlah 85 nasabah. Teknik pengumpulan data yang dilakukan peneliti yaitu dengan menggunakan data primer dan data sekunder. Dimana data primer diperoleh penyebaran angket atau kuesioner, sedangkan data sekunder diperoleh dari studi kepustakaan dan lain sebagainya. Hasil penelitian menunjukkan bahwa kualitas produk, kualitas pelayanan, harga dan biaya berpengaruh secara parsial terhadap loyalitas nasabah di Bank Syariah Indonesia KC Denpasar Bali. Dan secara simultan kualitas produk, kualitas pelayanan, harga, dan biaya berpengaruh positif dan signifikan terhadap loyalitas nasabah di Bank BSI KC Denpasar Bali.
Analisis Prudential Principle pada Pembiayaan Murabahah Produk KPR Indent BTN IB di Bank Tabungan Negara Syariah Cabang Malang Ridha Clasnita Thulusia; Khusnudin Khusnudin
Journal of Finance and Islamic Banking Vol. 2 No. 1 (2019)
Publisher : Universitas Islam Negeri Raden Mas Said Surakarta

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.22515/jfib.v2i1.1810

Abstract

The prudential principle is a guideline in bank management that must be adhered to create healthy, strong and efficient banking by statutory provisions. One of the business activities that must be carried out prudently is fund distribution. Prudential Principle is said to be important because it relates to the interests of customers who entrust their customers, as written in Law Article 36 Number 21 concerning Sharia Banking. During the research period, BTN KCS Malang was able to increase the realization of BTN iB Indent KPR financing. It was interesting for researchers to find out about the application of the Prudential Principle to Murabaha financing products. This study uses a descriptive qualitative approach that aims to determine the Prudential Principle conducted by BTN KCS Malang in distributing Murabaha financing. The research respondents consisted of internal parties of banks and KPR Indent BTN iB financing customers. The results showed that Malang KCS BTN used 5C analysis in analyzing prospective Murabaha financing customers. Prudential Principle has been done properly and carefully in the distribution of murabaha financing.
The Influence Of Product Quality, Service Quality, and Promotion On The Decision To Saving of Bank Syariah Indonesia Customers In Malang City Nadia Intan Carolina; Khusnudin
Syarikat: Jurnal Rumpun Ekonomi Syariah Vol. 7 No. 1 (2024): Syarikat : Jurnal Rumpun Ekonomi Syariah
Publisher : Program Studi Ekonomi Syariah, Fakultas Agama Islam Universitas Islam Riau

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.25299/syarikat.2024.vol7(1).12992

Abstract

The purpose of this study was to examine and analyze the effect of product quality, service quality and promotion on the saving decisions of Bank Syariah Indonesia customers in Malang City. The research approach used is quantitative research. The sampling technique in this study used the Non Probability Sampling technique with a purposive sampling method. The sample required is 85 respondents with the criteria of Bank Syariah Indonesia customers who have savings and savings accounts for the period January 27 2021 until now and are domiciled in Malang City. The data used in this study are primary data and secondary data. Data processing and analysis in this study used an analytical tool in the form of the SPSS version 24 application which aims to calculate statistical values in the form of data quality testing, classical assumption testing, hypothesis testing, and multiple linear regression analysis. The results of this study indicate that product quality (X1) partially has a significant effect on saving decisions (Y), service quality (X2) partially has no significant effect on saving decisions (Y), Promotion (X3) partially has a significant effect on saving decisions. (Y), and product quality (X1), service quality (X2) and promotion (X3) simultaneously have a significant effect on saving decisions (Y).
FAKTOR-FAKTOR YANG MEMPENGARUHI KEPUASAN NASABAH BSI DI KOTA PASURUAN Sakinah Ilfi Nabilah; Khusnudin Khusnudin
Journal of Economic, Bussines and Accounting (COSTING) Vol 7 No 6 (2024): COSTING : Journal of Economic, Bussines and Accounting
Publisher : Institut Penelitian Matematika, Komputer, Keperawatan, Pendidikan dan Ekonomi (IPM2KPE)

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.31539/costing.v7i6.12700

Abstract

Di era globalisasi, persaingan di industri perbankan, terutama perbankan syariah, semakin ketat. Penelitian ini bertujuan untuk menganalisis pengaruh harga, produk, kualitas layanan, dan kinerja karyawan terhadap kepuasan nasabah di Bank Syariah Indonesia (BSI) KCP Pasuruan Sudirman 1. Dengan pendekatan kuantitatif dan metode deskriptif, data dikumpulkan melalui kuesioner yang disebarkan kepada nasabah. Hasil penelitian menunjukkan bahwa kualitas layanan dan kinerja karyawan berpengaruh signifikan terhadap kepuasan nasabah, sementara harga dan produk tidak menunjukkan pengaruh yang signifikan. Penemuan ini menyoroti pentingnya aspek kualitas layanan yang responsif dan profesional, serta kinerja karyawan yang baik dalam menciptakan pengalaman positif bagi nasabah. Nasabah lebih mementingkan kepatuhan syariah dan kenyamanan transaksi daripada variasi produk dan harga. Penelitian ini mengisi kesenjangan dalam literatur mengenai kepuasan nasabah di perbankan syariah, serta memberikan wawasan bagi pengelola bank untuk meningkatkan kualitas layanan dan kinerja karyawan guna meningkatkan kepuasan dan loyalitas nasabah.
Customer Decision Factors in Choosing Savings Products: Product, Service Quality, and Religiosity: Study of Bank Muamalat Customers, Malang City Dwi Sukma Jaya Hariadi; Khusnudin Khusnudin
Jurnal Ekonomi, Bisnis & Entrepreneurship Vol. 18 No. 2 (2024): Jurnal Ekonomi, Bisnis & Entrepreneurship (e-Journal)
Publisher : Pusat Penelitian dan Pengabdian Pada Masyarakat (P3M) STIE Pasundan

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.55208/xnyddg52

Abstract

This study examines the determinants affecting consumer choices about savings products at Bank Muamalat, Malang City. It examines three primary factors: product quality, service quality, and religiosity, deemed essential for recruiting and retaining consumers in the competitive Islamic banking industry. The study utilizes a quantitative methodology, applying multiple linear regression analysis to assess the impact of these variables on consumer choices. Data were gathered via standardized surveys administered to Bank Muamalat clients, resulting in the analysis of 200 valid responses. The results indicate that all three aspects substantially and positively affect customer decisions. The quality of the product is crucial, highlighting attributes such as transparency, adaptability, security, and adherence to Islamic standards. Clients like innovative savings instruments such as hajj savings and school savings, which address particular requirements while complying with Sharia principles. Service quality is the primary determinant that influences customer decisions. Clients value responsive, professional, and amicable services that embody Islamic principles. Technological innovations, like digital banking applications, augment the client experience by facilitating seamless and fast transactions. Integrating superior human service and contemporary technological solutions enhances client pleasure and loyalty. Religiosity significantly influences financial decision-making, underscoring the necessity of spiritual connection. Clients favor Bank Muamalat due to its commitment to Islamic banking principles, ensuring that their financial transactions are devoid of riba (usury), gharar (uncertainty), and maysir (gambling). This predilection, driven by religion, distinguishes Bank Muamalat from conventional banks and fortifies its standing in the Islamic banking sector. The research concludes that product quality, service quality, and religiosity jointly influence customer decisions, with service quality being the predominant determinant. These findings highlight the necessity for Islamic banks, such as Bank Muamalat, to sustain a balance between functional and spiritual dimensions in their services. Improving service quality via personnel training and technical advancements, creating Sharia-compliant goods, and strengthening the bank's religious image is essential for client attraction and retention. This study enhances the literature on Islamic banking and offers pragmatic insights for augmenting competitiveness within the sector. Subsequent research may broaden its reach by incorporating supplementary variables, such as trust or brand image, and use a mixed-methods technique to attain a more profound understanding of consumer behavior.
Examination of the Implementation of Gold Guarantee Financing from the Perspective of DSN-MUI Fatwa and Muamalah Fiqh Sholeh Wafie; Aunur Rofiq; Khusnudin Khusnudin; Moch Mahsun
Al-Risalah : Jurnal Studi Agama dan Pemikiran Islam Vol 15 No 2 (2024): Al-Risalah : Jurnal Studi Agama dan Pemikiran Islam
Publisher : Fakultas Agama Islam, Universitas Islam As-Syafiiyah

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.34005/alrisalah.v15i2.4054

Abstract

The purpose of this study is to assess the appropriateness of the gold pawn financing contract with the DSN-MUI fatwa and fiqh muamalah at the BMT UGT Nusantara Legung Branch. Data is gathered by observation, interviews, and recording as part of the qualitative research methodology, which also incorporates a field and literature approach. The findings demonstrated that a legally qualified applicant, gold collateral, and ujrah determination in line with the nominal financing are all necessary for the BMT UGT Nusantara Legung Branch to carry out the financing contract. The contracts utilised are qard and rahn, and in the event of default, gold collateral is sold without going through an auction. This implementation is generally adequate when considering fiqh muamalah and the DSN-MUI fatwa; nonetheless, it is important to highlight three key differences: 1. According to fiqh muamalah, the finance agreement employs qard and rahn, but the DSN-MUI fatwa has an extra ijarah agreement. 2. According to fiqh muamalah, the agreement and the amount of finance determine the gold storage fee; nevertheless, the DSN-MUI fatwa restricts the fee to actual expenditures. 3. According to fiqh muamalah, the sale of gold collateral without an auction is acceptable; nevertheless, the DSN-MUI fatwa mandates an auction procedure in the event that the rahin is unable to repay the loan. This study demonstrates that, despite being permitted under muamalah fiqh, three practices used in the BMT UGT Nusantara Legung Branch's financing contract with gold collateral are not compliant with the DSN-MUI fatwa.
Co-Authors Aunur Rofiq Dwi Sukma Jaya Hariadi M. Irza Al-Ghifari Moch. Mahsun Nadia Intan Carolina Ridha Clasnita Thulusia Sakinah Ilfi Nabilah Sholeh Wafie