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All Journal JABE (Journal of Accounting and Business Education) JEMA: Jurnal Ilmiah Bidang Akuntansi dan Manajemen Jurnal Pembelajaran Pemberdayaan Masyarakat (JP2M) DEVOSI Oikonomika: Jurnal Kajian Ekonomi dan Keuangan Syariah INTERNATIONAL JOURNAL OF CULTURAL AND SOCIAL SCIENCE Hamalatul Qur'an : Jurnal Ilmu Ilmu Al-Qur'an El-Aswaq MASALIQ: Jurnal Pendidikan dan Sains E-JRM Maliki Islamic Economics Journal Indo-Fintech Intellectuals: Journal of Economics and Business As-Syifa Journal of Islamic Studies and History Jurnal Ilmiah Bisnis dan Ekonomi Asia (Jibeka) Jurnal Agroindustri Berkelanjutan
Harun Alrasyid
Department Of Islamic Banking, Faculty Of Economics And Business, University Of Islam Malang, Malang
Religion Arts Humanities Biochemistry, Genetics & Molecular Biology Chemistry Decision Sciences, Operations Research & Management Economics, Econometrics & Finance Education Engineering Environmental Science Industrial & Manufacturing Engineering Languange, Linguistic, Communication & Media Law, Crime, Criminology & Criminal Justice Library & Information Science Social Sciences

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PENGARUH PERSEPSI MASYARAKAT TERHADAP KENYAMANAN DAN TINGKAT KUALITAS PELAYANAN PASCA MERGER BANK SYARIAH INDONESIA (Studi kasus pada nasabah Bank Syariah Indonesia) Dewi Hurwardani; Nur Diana; Harun Alrasyid
El-Aswaq Vol 3, No 1 (2022): Vol 3, No 1 (2022) : El-Aswaq
Publisher : Fakultas Ekonomi dan Bisnis Universitas Islam Malang

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Abstract

Penelitian ini bertujuan untuk mengetahui Persepsi Masyarakat (X) terhadap Kenyamanan (Y1) danTingkat Kualitas Pelayanan (Y2) pasca merger Bank Syariah Indonesia.Jenis penelitian didesain dengan penelitian korelasional. Sampel penelitian adalah 70 respondenyang merupakan nasabah Bank Syariah Indonesia dengan menggunakan metode kuesioner. Data dianalisisdengan menggunakan analisis regresi sederhana. Hasil penelitian menunjukkan bahwa: (1) Persepsimasyarakat berpengaruh positif signifikan terhadap kenyamanan pasca merger Bank Syariah Indonesia. (2)Persepsi masyarakat berpengaruh positif signifikan terhadap tingkat kualitas pelayanan pasca merger BankSyariah Indonesia.
PENGARUH KUALITAS PRODUK, KUALITAS PELAYANAN DAN PROMOSI TERHADAP KEPUASAN NASABAH DI BANK MUAMALAT KCP KOTA PASURUAN Pinky Anjeli; Maslichah Maslichah; Harun Alrasyid
El-Aswaq Vol 3, No 1 (2022): Vol 3, No 1 (2022) : El-Aswaq
Publisher : Fakultas Ekonomi dan Bisnis Universitas Islam Malang

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Abstract

Perkembangan bank syariah di Indonesia saat ini sangat meningkat. Bank MuamalatIndonesia adalah bank syariah pertama di Indonesia. Dengan adanya Bank Muamalat Indonesiatelah mendorong adanya bank-bank syariah lainnya. Sehingga, dengan adanya bank-bank syariahyang ada saat ini persaingan semakin ketat dan kompetitif. Namun disisi lain perkembangan BankMuamalat Indonesia juga mengalami naik turun setiap tahunnya. Dengan adanya permasalahan inikepuasan nasabah menjadi aspek penting yang perlu diperhatikan. Kepuasan nasabah yang perludiperhatikan yaitu terkait faktor yang mempengaruhi kepuasan nasabah seperti kualitas produk,kualitas pelayanan dan promosi. Tujuan dari penelitian ini untuk mengetahui pengaruh kualitasproduk, kualitas pelayanan dan promosi terhadap kepuasan nasabah di Bank Muamalat KCP KotaPasuruan. Penelitian ini menggunakan metode kuantitatif korelasional dengan melakukanpenyebaran kuisioner. Peneliti memperoleh hasil bahwasannya kualitas produk, kualitas pelayanandan promosi berepngaruh positif dan signifikan terhadap kepuasan nasabah di Bank MuamalatKCP Kota Pasuruan.
PENGARUH KUALITAS LAYANAN MOBILE BANKING TERHADAP KEPUASAN NASABAH BANK SYARIAH DALAM MELAKUKAN TRANSAKSI DI MASA PANDEMI COVID-19 (Studi Kasus Mahasiswa Universitas Islam Malang Pengguna Mobile Banking) Navilah Laila Wardani; Nur Diana; Harun Al Rasyid
El-Aswaq Vol 1, No 2 (2020): El-Aswaq
Publisher : Fakultas Ekonomi dan Bisnis Universitas Islam Malang

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Abstract

This study aims to determine the effect of the quality of mobile banking services on the satisfaction of Islamic bank customers in conducting transactions during the covid-19 pandemic. Samples were taken using purposive sampling method. The method used in this study uses quantitative methods with simple linear regression analysis techniques and hypothesis testing with SPSS. The results of data analysis show that the quality of mobile banking services simultaneously affects customer satisfaction in conducting transactions during the covid-19 pandemic. Partially, the quality of mobile banking services affects customer satisfaction in conducting transactions during the COVID-19 pandemic.
MEKANISME LAYANAN PEER TO PEER LENDING DALAM TINJAUAN SYARIAH BERDASARKAN FATWA DSN MUI No. 117/DSN-MUI/II/2018 (STUDI KASUS PT AMMANA FINTEK SYARIAH) Durotin Masruroh; Nur Diana; Harun Alrasyid
El-Aswaq: Islamic Economics and Finance Journal Vol. 2 No. 1 (2021): El-Aswaq
Publisher : Universitas Islam Malang

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Abstract

This study aims to explain the mechanism of Peer to Peer Lending services at PT Ammana Fintek Syariah and explain the application of DSN MUI Fatwa Number 117/DSN-MUI/II/2018 regarding Peer to Peer Lending products. The analysis uses qualitative methods with content analysis. The results of this study indicate that the Peer to Peer Lending service mechanism at PT Ammana Fintek Syariah has been registered and licensed at the OJK, there are three service mechanism products, namely Ammana funding, Hajj financing, and Ammana Paylater. Legally, it is in accordance with the DSN-MUI fatwa. The financing agreement sourced from PT. Ammana Fintek Syariah based on QS. Al-Anfaal verse 27 and Ijab Qobul in accordance with the QS. Al-Maidah paragraph 1. Application of Peer to Peer Lending products that are not in accordance with the DSN-MUI fatwa no. 117/DSN-MUI/II/2018 in the general provisions of point 19, namely Gharar. At PT. Ammana Fintek Syariah which is a product of Dana Ammana regarding contracts, there is confusion with the contracts used that are not in accordance with sharia principles
PENGARUH KEPERCAYAAN DAN KEMUDAHAN LAYANAN DIGITAL TERHADAP KEPUASAN NASABAH BANK SYARIAH INDONESIA DALAM MELAKUKAN TRANSAKSI DI MASA PANDEMI COVID-19 Nanda Dian Rahmadani; Nur Diana; Harun Alrasyid
El-Aswaq: Islamic Economics and Finance Journal Vol. 3 No. 1 (2022): El-Aswaq
Publisher : Universitas Islam Malang

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Abstract

Perkembangan teknologi yang pesat dimanfaatkan secara langsung oleh industri perbankan,khususnya bank syariah, dengan melakukan inovasi produk digital untuk melayani nasabah di masapandemi covid-19. Layanan digital perbankan syariah terkait mobile banking menggambarkan prosesvirtual yang mendukung semua layanan yang diharapkan dapat meningkatkan tingkat literasiperbankan syariah secara signifikan. Tujuan dari penelitian ini adalah untuk mengklarifikasi dampakkeandalan dan kenyamanan layanan digital terhadap kepuasan nasabah Bank Syariah IndonesiaKota Malang. Metode penelitian ini memakai kuantitatif. Metode pengambilan sampel yangdigunakan adalah metode sampling bertarget. Pengumpulan data dilakukan melalui Google Formyang dibagikan kepada 100 responden. Untuk pengujian hipotesis menggunakan SPSS 2022. Hasilsurvei ini menunjukkan bahwa kepercayaan pelanggan yang fluktuatif (X1) berpengaruh positif dansignifikan terhadap kepuasan pelanggan (Y). Variabel serviceability (X2) untuk layanan digitalberpengaruh positif dan signifikan terhadap kepuasan pelanggan (Y). Variabel kepercayaanpelanggan dan kemudahan penggunaan layanan digital berpengaruh positif dan signifikan terhadapkepuasan pelanggan. Hal ini dibuktikan dengan nilai signifikansi sebesar 0,000 (p˂o, o5). Nilaikoefisien determinasi adalah 0,832, artinya kontribusi layanan digital terhadap kepuasan pelanggansebesar 83%, sisanya sebesar 17% dipengaruhi oleh variabel lain.
PENGARUH PENGETAHUAN MAHASISWA TENTANG RIBA & BAGI HASIL TERHADAP MINAT MENABUNG DI BANK SYARIAH Khofifah Khofifah; Dwiyani Sudaryanti; Harun Alrasyid
El-Aswaq: Islamic Economics and Finance Journal Vol. 3 No. 2 (2022): El-Aswaq
Publisher : Universitas Islam Malang

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Abstract

Sharia Bank is a banking institution that operates its business with sharia principles. There is a fundamental difference between Islamic banks and conventional banks, namely Islamic banks do not use the interest system (usury) in every transaction, besides that Islamic banks also use a profit-sharing system in profit sharing. However, there are still many who do not know about this, this can be seen from the results of the Islamic financial literacy index in 2019 which shows that public literacy regarding Islamic finance is still low, with a value of only 8.93%, meaning that out of 100 people only 8 people are eligible. know about Islamic finance. Therefore, this study aims to determine the effect of knowledge about usury and profit sharing on interest in saving in Islamic banks. This research uses a questionnaire method and is a quantitative research. The population in this study were students of the Islamic University of Malang. From the results of the study, it is known that knowledge of usury & profit sharing has a positive and significant effect on interest in saving in Islamic banks.
Embracing the digital economy: Exploring the role of trust, perceived ease of use, and religiosity on intention to use Islamic peer-to-peer lending Alrasyid, Harun; Rabbani, Mustafa Raza; Afifudin, Afifudin
JEMA: Jurnal Ilmiah Bidang Akuntansi dan Manajemen Vol. 20 No. 2 (2023): JEMA: Jurnal Ilmiah Bidang Akuntansi dan Manajemen
Publisher : University of Islam Malang

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.31106/jema.v20i2.9097

Abstract

This study investigates the pivotal roles of trust, perceived ease of use, and religiosity on individuals' intentions to adopt Islamic peer-to-peer (P2P) lending platforms within the digital economy context. The novelty of this study lies in its focus on an area that has received limited attention in prior studies (Islamic P2P lending) and the inclusion of individual factors, particularly religiosity, in the analysis. Additionally, a five-point Likert scale survey and purposive sampling technique were employed, targeting young Muslim potential borrowers aged 18-24 (Generation Z) who are presently engaged in microbusiness activities and have knowledge of financial technology. However, they had not yet utilized any P2P lending platforms. Data from three hundred twenty-three respondents was analyzed to investigate the relationships between variables. The results of this study suggest that all examined variables, including trust, perceived ease of use, and religiosity, have a significant and positive impact on individuals' willingness to use Islamic P2P lending. This implies that the more trust individuals have in Islamic P2P lending platforms, the easier they perceive them to use, and the stronger their religious beliefs, the more likely they are to accept and utilize these new Islamic financial services.
Customer Satisfaction in Islamic Banking: Analyzing the Key Drivers in Indonesia Anisa, May Nur; Alrasyid, Harun; Taqwiem, Ahsani
Maliki Islamic Economics Journal Vol 4, No 2 (2024): Maliki Islamic Economics Journal
Publisher : Faculty of Economics UIN Maulana Malik Ibrahim Malang

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.18860/miec.v4i2.28815

Abstract

This study investigates the factors influencing customer satisfaction in Indonesian Islamic banks, specifically focusing on Bank Syariah Indonesia (BSI). Employing a quantitative method with multiple regression linier and purposive sampling technique, the study gathered data from 100 respondents who are customers of Bank Syariah Indonesia. Data collection was conducted by directly distributing questionnaires to these customers. The results show that service quality has a significant impact on customer satisfaction, indicating that higher service standards lead to increased satisfaction among customers. Additionally, price perception significantly affects customer satisfaction, suggesting that competitive and fair pricing enhances customer contentment. However, the study finds that convenience does not have a significant influence on customer satisfaction. The findings of this study suggest that Islamic banks should prioritize improving service quality and maintaining competitive pricing to boost customer satisfaction. While convenience is important, it may not be the primary driver of satisfaction for customers of Islamic Banking. These insights can help Islamic banks formulate strategies to enhance customer experiences. This study provides valuable insights into the key drivers of customer satisfaction in the context of Indonesian Islamic banking.
Daya Tarik Wisata Halal di Malang Raya: Peran Kesadaran, Persepsi, dan Fasilitas Halal Alrasyid, Harun
Indo-Fintech Intellectuals: Journal of Economics and Business Vol. 4 No. 6 (2024): Indo-Fintech Intellectuals: Journal of Economics and Business (2024)
Publisher : Lembaga Intelektual Muda (LIM) Maluku

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.54373/ifijeb.v4i6.2607

Abstract

Penelitian ini bertujuan untuk menganalisis pengaruh kesadaran halal, persepsi terhadap destinasi halal, dan kualitas fasilitas halal terhadap minat berkunjung ke destinasi wisata halal di Malang Raya. Dengan menggunakan pendekatan kuantitatif, data dikumpulkan melalui survei kepada wisatawan Muslim yang telah mengunjungi atau berminat mengunjungi destinasi halal di wilayah tersebut. Hasil penelitian menunjukkan bahwa ketiga variabel memiliki pengaruh positif dan signifikan terhadap minat berkunjung. Kesadaran halal mendorong wisatawan untuk lebih selektif dalam memilih destinasi yang sesuai dengan prinsip-prinsip syariah, sementara persepsi positif tentang atribut halal, seperti makanan halal dan fasilitas ibadah, memperkuat daya tarik destinasi. Selain itu, kualitas fasilitas halal yang unggul, termasuk akomodasi ramah Muslim dan transportasi halal, berkontribusi besar terhadap peningkatan loyalitas wisatawan. Implikasi praktis dari penelitian ini menyoroti pentingnya edukasi masyarakat dan promosi yang efektif untuk meningkatkan kesadaran halal. Sertifikasi halal yang terpercaya dan standarisasi fasilitas halal juga diperlukan untuk memastikan pengalaman wisata yang konsisten bagi wisatawan Muslim. Selain itu, destinasi wisata halal perlu menonjolkan keunikan budaya lokal yang sejalan dengan nilai-nilai Islam untuk menciptakan citra yang positif dan menarik. Penelitian ini menyarankan kolaborasi antara pemerintah, industri pariwisata, dan komunitas lokal untuk mengembangkan infrastruktur halal yang berkelanjutan. Dengan langkah strategis ini, destinasi wisata halal di Indonesia, khususnya Malang Raya, dapat lebih kompetitif di pasar global dan menarik lebih banyak wisatawan Muslim, baik domestik maupun internasional.
The Effect Of Customer Experience, Perceived Value And Trust On Customer Loyalty (Case Study On MSMEs Pottery In Pagelaran District, Malang Regency) Sa’diah, Mufidatul; Alrasyid, Harun; Paramadina, Dita Roosemella
E-JRM : Elektronik Jurnal Riset Manajemen E-JRM : Elektronik Jurnal Riset Manajemen Vol. 14 No. 01
Publisher : UNIVERSITAS ISLAM MALANG

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Abstract

Abstract Customers in pottery Micro, Small and Medium Enterprises (MSMEs) in Pagelaran District, Malang Regency, are the focus of this study, which attempts to examine the impact of customer experience, perceived value, and trust on customer loyalty. Malang Regency, performance.Against the background of the important role of MSMEs in Indonesia's economy, this study identifies gaps in previous empirical studies that have not discussed customer loyalty in previous empirical studies that have not specifically discussed the relationship between these variables in the context of these variables in the context of pottery MSMEs. Customers of ceramic MSMEs in Malang Raya were given questionnaires to complete as part of the quantitative analysis study methodology. It is anticipated that the study's findings would shed further light on the variables influencing client loyalty and the role MSMEs play in the local economy. The study was carried out between November 2023 and January 2024. Keywords: Customer Experience, Perceived Value, Trust, Customer Loyalty
Co-Authors Abdul Malik Ahsani Taqwiem Ainur Rofieq Akmalia, Shalyza Nur Anisa, May Nur Annisa Mutmainah Arista Fauzi Kartika Sari Arsyianto, Muhammad Tody Asniza Afhami Asyadi, Erda Dwi Ananda Azhar, Fawazul Bastomi, Mohamad Bayu Kurnia Rizki Dewi Hurwardani Dinda Dewi Anggraeni Dita Roosemella Paramadina Durotin Masruroh Dwiyani Sudaryanti Erdi Suroso Erfan Efendi Farizka Ananda Safitri Fauzi, Aqshal Febriansyah, Aldhi Indrayanti, Rr Nugraheni Putri Irawati, Khusnul Khofifah Khofifah Khofifah Khofifah Khofifah Khofifah Kotta, Muhammad Iswan Kuncoro, Dimas Malikus Sumadyo Mansyur, Fakhruddin Maslichah, Maslichah Nanda Dian Rahmadani Navilah Laila Wardani Nissa, Uswatul Tirania Choirul Nur Diana Nur Diana Nur Diana Nurhajati Nurhidayah Nurhidayah Nurrizkiana, Dinda Dwi Parakassi, Idris Pinky Anjeli Pradnawati, Eriza Rabbani, Mustafa Raza Rafika Nur Laili Rafika Tri Cahya Rahmat Nuryono Rahmawati Rahmawati Ramlianto, Ramlianto Ridwan, Siti Rahmania Sabariah Sabariah Sa’diah, Mufidatul Shalyza Nur Akmalia Siregar, Fauziah Hanum Siti Rahmania Ridwan Tama, Annafi Indra Tanto Pratondo Utomo Wahyuningtyas, Nanik