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All Journal J-EBIS (Jurnal Ekonomi dan Bisnis Islam) FITRAH:Jurnal Kajian Ilmu-ilmu Keislaman Jesya (Jurnal Ekonomi dan Ekonomi Syariah) At-tijaroh: Jurnal Ilmu Manajemen dan Bisnis Islam Al-Masharif: Jurnal Ilmu Ekonomi dan Keislaman Jurnal Penelitian Ekonomi Akuntansi (JENSI) juremi: jurnal riset ekonomi Journal Of Sharia Banking Islamic Banking : Jurnal Pemikiran dan Pengembangan Perbankan Syariah Journal Of Islamic Social Finance Management Profetik Jurnal Ekonomi Syariah Al-masharif: Jurnal Ilmu Ekonomi dan Keislaman

Muhammad Isa

Iinstitut Agama Islam Negeri Padangsidimpuan

Author-ID : 3454511

Religion Humanities Decision Sciences, Operations Research & Management Economics, Econometrics & Finance Education Social Sciences Other

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DETERMINANTS OF SAVING PREFERENCES OF VEGETABLE TRADERS IN ISLAMIC FINANCIAL INSTITUTIONS (STUDY ON THE MARKET TRADITIONAL IN KOTANOPAN SUBDISTRICT) angga angga; muhammad isa; budi gautama
Journal Of Sharia Banking Vol 3, No 1 (2022): Perbankan Syariah
Publisher : Institut Agama Islam Negeri Padangsidimpuan

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.24952/jsb.v3i1.5725

Financial institutions are institutions whose business activities are related to the financial sector. Islamic financial institutions are one of the instruments used to regulate Islamic economic rules. Islamic financial institutions as part of the sharia economic system in running a business and business cannot be separated from sharia filters. The development of Islamic financial institutions in improving the quality of the economic activities of small and small entrepreneurs by encouraging saving activities and supporting the financing of their economic activities and has made it easier for people to use the services of Islamic financial institutions from various circles of society who have micro businesses, especially in market areas. The use of Islamic financial institutions as an alternative service by traders with ease of transactions without the need to come to Islamic financial institutions to save or withdraw savings. The purpose of this study is to determine whether there is an influence of social factors and service quality on saving preferences in Islamic financial institutions. This research is a quantitative study, using 82 samples of primary data. Data collection techniques are observation, interviews and questionnaires. The data analysis techniques used are validity test, reliability test, normality test, descriptive analysis test, classical assumption test (multicollinearity test and heteroscedasticity test), multiple linear regression analysis test, and hypothesis testing (R2, Ujif and Ujit) with data processing used through the SPSS 22 program. The results of the t-test hypothesis indicate that there is an influence of social factors on saving preferences in Islamic financial institutions as evidenced by that tcount ttable is 1.829 1.664 and there is an influence of service quality on saving preferences in Islamic financial institutions as evidenced by tcount ttable ie 1.696 1.664. Furthermore, this study has a coefficient of determination (R2) obtained R2 of 0.751 or (75.1%). This means that 75.1% of the independent variables affect the dependent variable, while the remaining 24.9% is contributed by other variables outside this research model.

Factors Influencing People's Decisions to Use Islamic Bank Products maimuna maimuna; Windari windari; muhammad isa; rahmat anam
Journal Of Sharia Banking Vol 1, No 1 (2020)
Publisher : Institut Agama Islam Negeri Padangsidimpuan

This research is motivated by the habits of the people who use conventional banks and the small number of people in Batu Hula Village, Batangtoru District who use Islamic banks. This is caused by several factors that influence people's decisions, including cultural factors, social factors, and personal factors. Based on the results of the research, the cultural factor variable partially has a significant effect on people's decisions, this is evidenced in the results of hypothesis testing that the cultural factor variable has tcount ttable (3,932 1,69726), then H0 is rejected and Ha is accepted. on community decisions, this is proven by the results of hypothesis testing that the social factor variable has tcount ttable (1,726 1,69726), then Haditolak and H0 are accepted. And the personal factor variable partially has no effect on people's decisions, this is evidenced by hypothesis testing that the cultural factor variable has tcount ttable (0,188 21,69726). Then the variables of cultural factors, social factors and personal factors variables simultaneously affect people's decisions with the results Fcount Ftable (23,362 2,28).

THE EFFECT OF BRAND EQUITY, PROMOTION AND SERVICES ON CUSTOMER'S DECISION TO USE SHARIA BANK IN SANGKUMPAL BONANG PADANGSIDIMPUAN MARKET jeni kurnia; muhammad isa; budi gautama; damri batubara
Journal Of Sharia Banking Vol 1, No 2 (2020)
Publisher : Institut Agama Islam Negeri Padangsidimpuan

Sangkumpal Bonang market is the same as the market in general, where this market is where people trade, looking for fortune, a place where sellers and buyers meet and conduct transactions. Based on data obtained by Sangkumpal Bonang Padangsidimpuan market, more traders use conventional banks than sharia banks. This study aims to determine the effect of brand equity, promotion and service on customer decisions using Islamic banks in the Sangkumpal Bonang Padangsidimpuan market. This research is a quantitative research, data sources used are primary data. The data collection technique used was a questionnaire, and documentation with a total sample of 69 respondents with the sample measurement technique was the Slovin formula. The results of partial research (t test) are Brand Equity and Services affect the Customer Decision while Promotion does not affect the Customer Decision.

Effect Of Service Quality And Employee Performance On Customer Satisfaction at PT. Pawnshop Pinang City Sharia Service Unit aisyah pratiwi; muhammad isa; ali hardana; sulaiman efendi
Journal Of Sharia Banking Vol 2, No 2 (2021)
Publisher : Institut Agama Islam Negeri Padangsidimpuan

Customer satisfaction is a level where the needs, desires and expectations can be met. This research is motivated by the lack of services provided by employees to customers so that there are some customers who are not satisfied. Inadequate employee performance so that there are multiple roles in carrying out tasks and become less than optimal. This study aims to determine the effect of service quality and employee performance at PT. Pawnshops of the Syariah Service Unit of the City of Pinang. The theories that support this research consist of understanding customer satisfaction, methods for measuring customer satisfaction, strategies to increase satisfaction, factors that affect satisfaction, understanding service quality, dimensions of service quality, understanding performance, employee performance indicators, factors that affect employee performance. The method used in this research is quantitative. Data collection techniques using a questionnaire.Sampling in this study using incidental sampling with a sample of 96 people. The tests used include descriptive analysis, instrument testing (validity test, reliability test), classical assumption test (normality test, multicollinearity test, autocorrelation test, heteroscedasticity test), hypothesis testing (R2 test, t test, F test), multiple linear regression analysis , assisted by the SPSS 23 program. The results of the partial study indicate that the service quality variable has a positive effect on customer satisfaction. Employee performance variable has no positive effect on customer satisfaction. Meanwhile, simultaneously the variables of service quality and employee performance have a positive effect on customer satisfaction. While the coefficient of determination (R2) test is obtained a value of 0,407 or 40,7%, this shows that the quality of service and employee performance on customer satisfaction is 40,7% .While the remaining 59,3% is influenced by other variables not included in this study.

Co-Authors Adanan Murroh Nasution Ade Norasyikin aisyah pratiwi Ali Hardana angga angga Azmi Nurul Widya Fuji Astuti Azwar Hamid budi gautama Bungkus Adek Irawan Damri Batubara Harahap, Darwis Ilma Sari Lubis jeni kurnia Lubis, Aswadi maimuna maimuna Marlina Chaniago Muhammad Wandisyah R Hutagalung Nurul Izzah rahmat anam Romadhonna Siregar SIREGAR, BUDI GAUTAMA Sulaiman Efendi Siregar Tri Surya Windari, Windari Zein, Aliman Syahuri

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