Article Per Year (5 Year)
p-Index From 2021 - 2026
4.066
P-Index
This Author published in this journals
All Journal J-Simbol: Jurnal Magister Pendidikan Bahasa dan Sastra Indonesia KEUNIS Panrita Abdi - Jurnal Pengabdian pada Masyarakat Economica: Jurnal Ekonomi Islam Jurnal Onoma: Pendidikan, Bahasa, dan Sastra Jurnal Sasindo Unpam Bubungan Tinggi: Jurnal Pengabdian Masyarakat Jurnal Bastrindo: Kajian Pendidikan Bahasa dan Sastra Indonesia Journal of Sustainable Community Development (JSCD) Sulawesi Tenggara Educational Journal Bandung Conference Series : Syariah Banking Jurnal Riset Perbankan Syariah Jurnal Manajemen dan Bisnis (Performa)
Irma Yulita Silviany
Prodi Perbankan Syariah, Fakultas Syariah, Universitas Islam Bandung, Indonesia
Religion Arts Humanities Economics, Econometrics & Finance Education Environmental Science Languange, Linguistic, Communication & Media Mathematics Social Sciences Other

Published : 29 Documents Claim Missing Document
Claim Missing Document
Check
Articles

Found 29 Documents
Search

 1   2   3 
FROM THEORY TO PRACTICE, IDENTIFYING GAPS IN ISLAMIC INVESTMENT IN INDONESIA AND ITS IMPLICATIONS FOR INTERNATIONAL BUSINESS STRATEGY Akhmad Yusup; Zia Firdaus Nuzula; Irma Yulita Silviany
Jurnal Manajemen dan Bisnis Performa Vol. 22 No. 1 (2025)
Publisher : UPT Publikasi Ilmiah UNISBA

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.29313/performa.v22i1.5862

Abstract

In an era where ethical investment is gaining unprecedented traction, the potential of Islamic finance remains largely untapped, particularly in Indonesia, the world's largest Muslim-majority country. This study investigates the gaps in Islamic investment practices in Indonesia and their implications for international business strategy. The research aims to explore the discrepancies between theoretical frameworks of Islamic finance and their practical application, emphasizing the role of financial literacy, socio-cultural influences, and regulatory challenges. Utilizing a systematic literature review methodology, the study synthesizes existing literature to identify key themes and gaps in the current understanding of Islamic finance in Indonesia. The findings reveal a significant disconnect between the ideals of Islamic finance and their implementation, highlighting the necessity for enhanced financial literacy programs and a robust regulatory framework to foster investor confidence. Additionally, the study underscores the importance of aligning investment products with the cultural and ethical values of Indonesian investors. The implications of these findings are twofold: they contribute to the theoretical discourse on Islamic finance and provide practical recommendations for financial institutions and policymakers. This research serves as a foundational step toward a more nuanced understanding of Islamic investment in Indonesia, paving the way for future studies that address the identified gaps.
Analisis Trend Pembiayaan Mudharabah sebagai Indikator Perkembangan Pembiayaan Bank Panin Dubai Syariah Hafiz Adha; Intan Manggala Wijayanti; Irma Yulita Silviany
Jurnal Riset Perbankan Syariah Volume 4, No. 2, Desember 2025, Jurnal Riset Perbankan Syariah (JRPS)
Publisher : UPT Publikasi Ilmiah Unisba

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.29313/jrps.v4i2.8331

Abstract

Abstrak. Lembaga perbankan syariah memiliki peran penting dalam perekonomian Indonesia melalui pembiayaan berbasis akad mudharabah yang mengedepankan prinsip bagi hasil. Namun, implementasi akad ini masih menghadapi tantangan berupa risiko dan preferensi pasar terhadap akad yang lebih pasti, yang tercermin dari fluktuasi pembiayaan mudharabah pada Bank Panin Dubai Syariah selama periode 2018–2024. Penelitian ini bertujuan untuk menganalisis tren serta memproyeksikan pembiayaan mudharabah pada Bank Panin Dubai Syariah untuk periode 2025–2031. Metode penelitian yang digunakan adalah kuantitatif dengan pendekatan data deret waktu (time series) berdasarkan laporan keuangan tahunan Bank Panin Dubai Syariah periode 2018–2024. Analisis dilakukan menggunakan fitur Trendline serta fungsi =TREND dan =FORECAST.LINEAR pada Microsoft Excel. Hasil penelitian menunjukkan adanya tren pertumbuhan positif pembiayaan mudharabah dengan rata-rata kenaikan sebesar Rp242.209.071 per tahun dan proyeksi nilai mencapai Rp3.138.185.415 pada tahun 2031. Temuan ini mengindikasikan potensi pengembangan pembiayaan berbasis bagi hasil yang signifikan, terutama jika didukung oleh strategi manajemen risiko dan kebijakan perbankan syariah yang tepat.   Abstract. Islamic banking institutions play an important role in Indonesia’s economy through profit-sharing based financing schemes, particularly mudharabah contracts. However, the implementation of this contract still faces challenges related to risk and market preferences for more predictable financing instruments, as reflected in the fluctuations of mudharabah financing at Bank Panin Dubai Syariah during the 2018–2024 period. This study aims to analyze the trend and project mudharabah financing at Bank Panin Dubai Syariah for the 2025–2031 period. The research employs a quantitative method with a time series approach using annual financial statement data from Bank Panin Dubai Syariah covering 2018–2024. Data analysis is conducted using the Trendline feature and the =TREND and =FORECAST.LINEAR functions in Microsoft Excel. The results indicate a positive growth trend in mudharabah financing, with an average annual increase of IDR 242,209,071 and a projected value reaching IDR 3,138,185,415 by 2031. These findings suggest significant potential for the development of profit-sharing–based financing, particularly when supported by effective risk management strategies and conducive Islamic banking policies.
Pengaruh Pembiayaan Istishna dan Qardh terhadap Net Profit Margin Bank Desty Puspitasari; Irma Yulita Silviany; Nanik Eprianti
Jurnal Riset Perbankan Syariah Volume 5, No. 1, Juli 2026, Jurnal Riset Perbankan Syariah (JRPS)
Publisher : UPT Publikasi Ilmiah Unisba

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.29313/jrps.v5i1.10011

Abstract

Abstrak. Penelitian ini bertujuan untuk menganalisis pengaruh pembiayaan Istishna dan Qardh terhadap Net Profit Margin (NPM) Bank BJB Syariah periode 2016–2024. Penelitian menggunakan pendekatan kuantitatif dengan data sekunder berupa laporan keuangan triwulanan Bank BJB Syariah sebanyak 36 observasi. Metode analisis yang digunakan adalah regresi linear berganda dengan uji asumsi klasik. Hasil penelitian menunjukkan bahwa secara simultan pembiayaan Istishna dan Qardh berpengaruh signifikan terhadap NPM Hal ini dibuktikan pada uji f diperoleh nilai f-hitung sebesar 4.321552 yang lebih besar dari F-tabel sebesar 3.32, serta nilai probabilitas sebesar 0.021529 < 0.05. sehingga menerima Ha dan menolak Ho. Secara parsial, pembiayaan Istishna dan Qardh berpengaruh negatif dan signifikan terhadap NPM pada nilai t-hitung untuk pembiayaan Istishna (X1) sebesar -2.348133 dengan t-tabel sebesar 2.042 pada tingkat signifikansi 5% (α = 0.05), serta nilai signifikansi 0.0250 < 0.05 sedangkan pada pembiayaan Qardh ditemukan nilai t-hitung sebesar -2.914390, t-tabel sebesar 2.042, dan nilai signifikansi 0.0064 < 0.05. Temuan ini menunjukkan bahwa pembiayaan berbasis proyek dan sosial perlu dikelola secara selektif dan proporsional agar tidak menekan profitabilitas bank syariah.Abstract. This study aims to analyze the effect of Istishna and Qardh financing on the Net Profit Margin (NPM) of Bank BJB Syariah during the period 2016–2024. The research employs a quantitative approach using secondary data in the form of quarterly financial statements of Bank BJB Syariah, comprising 36 observations. The analytical method used is multiple linear regression with classical assumption tests. The results show that simultaneously, Istishna and Qardh financing have a significant effect on NPM. This is evidenced by the F-test results, where the calculated F-value of 4.321552 is greater than the F-table value of 3.32, and the probability value of 0.021529 < 0.05, thus accepting Ha and rejecting Ho. Partially, Istishna and Qardh financing have a negative and significant effect on NPM. The t-test results indicate that Istishna financing (X1) has a t-value of -2.348133 with a t-table value of 2.042 at a 5% significance level (α = 0.05), and a significance value of 0.0250 < 0.05. Meanwhile, Qardh financing shows a t-value of -2.914390, a t-table value of 2.042, and a significance value of 0.0064 < 0.05. These findings indicate that project-based and social financing need to be managed selectively and proportionally so as not to suppress the profitability of Islamic banks.
Islamic Values as Hidden Curriculum in BIPA Instruction: International Student Experiences at an Islamic University Asri Nuranisa Dewi; Irma Yulita Silviany; Bilkis Aulia Luxfiati
Jurnal Onoma: Pendidikan, Bahasa, dan Sastra Vol. 12 No. 3 (2026): Penulis pada Edisi ini Terdiri dari Dua (2) Negara: Indonesia dan Turki
Publisher : Universitas Cokroaminoto Palopo

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.30605/bk4hw998

Abstract

This study examines how Islamic values operate as hidden curriculum within Indonesian as a Foreign Language (BIPA) instruction at Universitas Islam Bandung (Unisba). While most BIPA research in Indonesia centers on linguistic aspects, this study asks: through what mechanisms do Islamic values permeate language learning without constituting formal curricular content? Using a qualitative case study design, data were gathered from three BIPA classroom observation sessions, an in depth interview with the BIPA lecturer, and field notes documenting interactions with an Algerian international student. Analysis reveals three interlocking mechanisms: (1) Islamic linguistic scaffolding through greetings and faith based expressions; (2) the physical Islamic campus ecosystem, particularly prayer spaces, as adaptation environments; and (3) pedagogical relationships that transcend instructional boundaries. These findings suggest that in Islamic universities, language learning and value socialization occur simultaneously, producing a form of BIPA instruction inseparable from institutional identity. Implications for contextually responsive BIPA curriculum development in Islamic higher education are discussed. This study's contribution is twofold: it introduces Islamic hidden curriculum as a theoretical lens for language classrooms embedded in religious institutions, and it offers an empirical typology of the mechanisms through which this hidden curriculum operates.
Pengaruh Faktor Keuangan terhadap Laba Bersih Bank Aladin Syariah 2015–2025 Egi Pribadi; Ifa Hanifia Senjiati; Irma Yulita Silviany
Bandung Conference Series: Syaria Banking 9-18
Publisher : UPT Publikasi Ilmiah UNISBA

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.29313/bcssb.v5i1.22874

Abstract

Abstract. This study aims to analyze the factors influencing the accident insurance claim rate among students of Universitas Islam Bandung from the 2022–2023 cohorts. The phenomenon of low utilization of insurance claim facilities, despite all students being registered as participants, serves as the basis of this research. The independent variables examined include understanding of accident insurance products and insurance claim procedures, while the dependent variable is the accident insurance claim rate. This research employs a quantitative approach with questionnaires distributed to 98 respondents selected using the Slovin formula. The analytical techniques used include multiple linear regression, t-test, F-test, and coefficient of determination to determine the influence of each variable. The results of this study are expected to indicate that both insurance product understanding and claim procedures have a positive and significant effect on the accident insurance claim rate, either partially or simultaneously. This research contributes to improving students' literacy regarding insurance and provides recommendations for the university to enhance education and service mechanisms related to accident insurance programs so that the protection offered can be utilized more optimally. Abstrak. Penelitian ini bertujuan untuk menganalisis faktor-faktor yang mempengaruhi tingkat klaim asuransi kecelakaan pada mahasiswa Universitas Islam Bandung angkatan 2022–2023. Fenomena rendahnya pemanfaatan fasilitas klaim asuransi meskipun seluruh mahasiswa telah terdaftar menjadi dasar penelitian ini. Variabel yang diteliti meliputi pemahaman produk asuransi dan prosedur klaim asuransi sebagai variabel independen, serta tingkat klaim asuransi sebagai variabel dependen. Metode penelitian menggunakan pendekatan kuantitatif dengan penyebaran kuesioner kepada 98 responden yang ditentukan melalui rumus Slovin. Teknik analisis yang digunakan adalah regresi linier berganda, uji t, uji F, dan koefisien determinasi untuk mengetahui pengaruh masing-masing variabel. Hasil penelitian diharapkan menunjukkan bahwa pemahaman produk asuransi dan prosedur klaim berpengaruh positif dan signifikan terhadap tingkat klaim asuransi kecelakaan, baik secara parsial maupun simultan. Penelitian ini memberikan kontribusi dalam meningkatkan literasi mahasiswa tentang asuransi serta menjadi masukan bagi pihak kampus untuk mengoptimalkan layanan dan sosialisasi program asuransi kecelakaan agar perlindungan yang diberikan dapat dimanfaatkan secara maksimal.
Pengaruh Pembiayaan Murabahah dan DPK terhadap Laba Bank KB Bukopin Syariah 2014–2025 Aliya Dwi Nur Wakila; Nanik Eprianti; Irma Yulita Silviany
Bandung Conference Series: Syaria Banking 105-112
Publisher : UPT Publikasi Ilmiah UNISBA

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.29313/bcssb.v5i2.24498

Abstract

Abstract.This study was motivated by the phenomenon of net profit losses at Bank KB Bukopin Syariah during 2021–2023, despite increases in murabahah financing and third-party funds (DPK), in contrast to other Islamic commercial banks, which tended to record profit growth. This study aims to analyze the effect of murabahah financing and third-party funds on the net profit of Bank KB Bukopin Syariah for the period 2014–2025. The method used is quantitative with a causal-associative approach. The data used consisted of secondary data from quarterly financial statements for the period from the first quarter of 2014 to the fourth quarter of 2025, comprising 48 observations, which were analyzed using multiple linear regression with the aid of EViews. The results indicate that, when considered individually, murabahah financing has a positive and significant effect on net profit, whereas third-party funds (DPK) do not have a significant effect. Simultaneously, both variables have a significant effect on net income with an Adjusted R-Squared value of 10.22%, indicating that most other variables outside the model also influence net income. This study recommends optimizing financing management and improving the effectiveness of DPK distribution to enhance the bank’s profit performance. Abstrak. Penelitian ini dilatarbelakangi oleh fenomena kerugian laba bersih Bank KB Bukopin Syariah pada tahun 2021–2023, meskipun pembiayaan murabahah dan dana pihak ketiga (DPK) mengalami peningkatan, berbeda dengan bank umum syariah lain yang cenderung mencatat pertumbuhan laba. Penelitian ini bertujuan menganalisis pengaruh pembiayaan murabahah dan DPK terhadap laba bersih Bank KB Bukopin Syariah periode 2014–2025. Metode yang digunakan adalah kuantitatif dengan pendekatan asosiatif kausal. Data yang digunakan berupa data sekunder laporan keuangan triwulanan periode Kuartal I 2014 hingga Kuartal IV 2025 sebanyak 48 observasi, yang diolah menggunakan regresi linear berganda dengan bantuan EViews. Hasil penelitian menunjukkan bahwa secara parsial pembiayaan murabahah berpengaruh positif dan signifikan terhadap laba bersih, sedangkan DPK tidak berpengaruh signifikan. Secara simultan, kedua variabel berpengaruh signifikan terhadap laba bersih dengan nilai Adjusted R-Squared sebesar 10,22%, sehingga sebagian besar variabel lain di luar model turut memengaruhi laba bersih. Penelitian ini menyarankan optimalisasi pengelolaan pembiayaan serta peningkatan efektivitas penyaluran DPK agar kinerja laba bank dapat ditingkatkan.
Transparansi Margin Murabahah, Keadilan, dan Kepercayaan Nasabah KPR Syariah Attari Najla; Popon Srisusilawati; Irma Yulita Silviany
Bandung Conference Series: Syaria Banking 137-146
Publisher : UPT Publikasi Ilmiah UNISBA

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.29313/bcssb.v5i2.24784

Abstract

Abstract. This study aims to analyze the effect of Murabahah Financing Margin Information Transparency on Customer Trust through Perceived Fairness as a mediating variable among Sharia Mortgage (KPR Syariah) customers at Bank Syariah Indonesia (BSI) KCP Bandung Dago. The study was motivated by the increasing number of Sharia Mortgage customers, which has not been fully accompanied by customers' understanding of murabahah financing margin components, potentially affecting perceived fairness and customer trust. This study employed a quantitative method with an associative approach. The population consisted of 260 active Sharia Mortgage customers, with a minimum sample of 73 respondents determined using the Slovin formula, while 88 valid questionnaires were analyzed. Data were analyzed using Partial Least Squares Structural Equation Modeling (PLS-SEM) with SmartPLS 4.0. The results indicate that Murabahah Financing Margin Information Transparency has a positive and significant effect on Customer Trust (0.460) and Perceived Fairness (0.608). Perceived Fairness also has a positive and significant effect on Customer Trust (0.389) and partially mediates the effect of transparency on trust (0.236). These findings confirm the importance of margin information transparency in strengthening perceived fairness and customer trust in Islamic banking. Abstrak. Penelitian ini bertujuan menganalisis pengaruh Transparansi Informasi Margin Pembiayaan Murabahah terhadap Kepercayaan Nasabah melalui Persepsi Keadilan sebagai variabel mediasi pada nasabah KPR Syariah Bank Syariah Indonesia (BSI) KCP Bandung Dago. Penelitian dilatarbelakangi oleh meningkatnya jumlah nasabah KPR Syariah yang belum sepenuhnya diiringi pemahaman mengenai komponen margin pembiayaan murabahah, sehingga berpotensi memengaruhi persepsi keadilan dan kepercayaan nasabah. Penelitian menggunakan metode kuantitatif dengan pendekatan asosiatif. Populasi berjumlah 260 nasabah aktif, dengan sampel minimum 73 responden berdasarkan rumus Slovin, sedangkan data yang diolah berasal dari 88 kuesioner valid. Analisis dilakukan menggunakan Partial Least Squares Structural Equation Modeling (PLS-SEM) dengan SmartPLS 4.0. Hasil penelitian menunjukkan bahwa Transparansi Informasi Margin Pembiayaan Murabahah berpengaruh positif dan signifikan terhadap Kepercayaan Nasabah (0,460) dan Persepsi Keadilan (0,608). Persepsi Keadilan juga berpengaruh positif terhadap Kepercayaan Nasabah (0,389) serta memediasi secara parsial pengaruh transparansi terhadap kepercayaan (0,236). Temuan ini menegaskan pentingnya transparansi informasi margin dalam meningkatkan persepsi keadilan dan kepercayaan nasabah pada perbankan syariah.
Pengaruh Dewan Komisaris, Direksi, dan Dewan Pengawas Syariah terhadap Islamic Social Reporting Meli Merlina; Eva Misfah Bayuni; Irma Yulita Silviany
Bandung Conference Series: Syaria Banking 155-164
Publisher : UPT Publikasi Ilmiah UNISBA

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.29313/bcssb.v5i2.25023

Abstract

Abstract.This research is motivated by the incompatibility between the corporate governance structure and the level of Islamic Social Reporting (ISR) disclosure which is still fluctuating in Sharia Commercial Banks in Indonesia. This study aims to analyze the influence of the Board of Independent Commissioners, the Board of Directors, and the Sharia Supervisory Board on Islamic Social Reporting (ISR) in Sharia Commercial Banks in Indonesia for the period 2015–2024. This study uses a quantitative approach by utilizing secondary data obtained from the annual report of Sharia Commercial Banks. Data analysis was carried out using panel data regression with a Fixed Effect Model (FEM) model. Furthermore, hypothesis testing was carried out using the t-test and the F-test. The results showed that the Independent Board of Commissioners, the Board of Directors, and the Sharia Supervisory Board partially had no effect on Islamic Social Reporting. However, simultaneously these three variables have an effect on Islamic Social Reporting. The Adjusted R-squared value of 0.370898 shows that the research model is able to explain the variation in Islamic Social Reporting by 37.09%, while the remaining 62.91% is influenced by other factors outside the research model. Abstrak. Penelitian ini dilatarbelakangi oleh ketidaksesuaian antara struktur corporate governance dengan tingkat pengungkapan Islamic Social Reporting (ISR) yang masih berfluktuasi pada Bank Umum Syariah di Indonesia. Penelitian ini bertujuan untuk menganalisis pengaruh Dewan Komisaris Independen, Dewan Direksi, dan Dewan Pengawas Syariah terhadap Islamic Social Reporting (ISR) pada Bank Umum Syariah di Indonesia periode 2015–2024. Penelitian ini menggunakan pendekatan kuantitatif dengan memanfaatkan data sekunder yang diperoleh dari laporan tahunan Bank Umum Syariah. Analisis data dilakukan menggunakan regresi data panel dengan model Fixed Effect Model (FEM) yang dipilih berdasarkan uji Chow dan uji Hausman. Selanjutnya, pengujian hipotesis dilakukan menggunakan uji t dan uji F. Hasil penelitian menunjukkan bahwa secara parsial Dewan Komisaris Independen, Dewan Direksi, dan Dewan Pengawas Syariah tidak berpengaruh signifikan terhadap Islamic Social Reporting. Namun, secara simultan ketiga variabel tersebut berpengaruh signifikan terhadap Islamic Social Reporting. Nilai Adjusted R-squared sebesar 0,370898 menunjukkan bahwa model penelitian mampu menjelaskan variasi Islamic Social Reporting sebesar 37,09%, sedangkan sisanya sebesar 62,91% dipengaruhi oleh faktor-faktor lain di luar model penelitian.
Pengaruh Pemahaman Akad Rahn terhadap Keputusan Nasabah Menggunakan Produk BSI Gadai Emas Derwana Sari; Irma Yulita Silviany; Intan Manggala Wijayanti
Bandung Conference Series: Syaria Banking 201-208
Publisher : UPT Publikasi Ilmiah UNISBA

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.29313/bcssb.v5i2.25635

Abstract

Abstract. This study aims to determine customers’ understanding of the Rahn contract and analyze its effect on their decisions to use BSI Gold Pawn at PT Bank Syariah Indonesia Tbk. Pajajaran Sub-Branch Office. This quantitative research used a causal associative design. The population consisted of 509 BSI Gold Pawn customers, with 100 respondents selected using purposive sampling. Data were collected through Likert-scale questionnaires and analyzed using EViews for validity, reliability, classical assumptions, simple linear regression, t-test, and coefficient of determination (R²). The results show that customers’ understanding of the Rahn contract was not evenly distributed: 35% had a good level of understanding, 18% had a moderate level, and 47% had a low level. The regression results indicate that understanding of the Rahn contract has a positive and significant effect on customers’ decisions to use the BSI Gold Pawn product. This is supported by t-value 25.14951 > t-table 1.984 and significance 0.0000 < 0.05. The R² value of 0.865845 indicates that understanding of the Rahn contract explains 86.58% of the variation in decisions, while 13.42% is explained by other factors. Therefore, better understanding of the Rahn contract strengthens customers’ decisions to use the BSI Gold Pawn product. Abstrak. Penelitian ini bertujuan untuk mengetahui tingkat pemahaman nasabah mengenai akad rahn serta menganalisis pengaruh pemahaman akad rahn terhadap keputusan nasabah dalam menggunakan produk BSI Gadai Emas pada PT Bank Syariah Indonesia Tbk. Kantor Cabang Pembantu Pajajaran. Penelitian ini menggunakan pendekatan kuantitatif dengan desain asosiatif kausal. Populasi penelitian terdiri dari 509 nasabah BSI Gadai Emas, dengan sampel 100 responden yang dipilih menggunakan teknik purposive sampling. Data dikumpulkan melalui kuesioner berskala Likert dan dianalisis menggunakan EViews melalui uji validitas, reliabilitas, asumsi klasik, regresi linear sederhana, uji t, dan koefisien determinasi (R²). Hasil penelitian menunjukkan bahwa pemahaman nasabah terhadap akad rahn belum merata, dengan 35% responden memiliki pemahaman baik, 18% sedang, dan 47% rendah. Hasil regresi menunjukkan bahwa pemahaman akad rahn berpengaruh positif dan signifikan terhadap keputusan nasabah menggunakan produk BSI Gadai Emas. Hal ini dibuktikan dengan t-hitung sebesar 25,14951 > t-tabel 1,984 dan signifikansi 0,0000 < 0,05. Nilai R² sebesar 0,865845 menunjukkan bahwa pemahaman akad rahn menjelaskan 86,58% variasi keputusan nasabah, sedangkan 13,42% dijelaskan faktor lain di luar penelitian. Dengan demikian, semakin baik pemahaman akad rahn, semakin kuat keputusan nasabah menggunakan produk BSI Gadai Emas.
Co-Authors 10010321047, Lala Kartika Adena Dwi Fauziah Ahmad Zaini, Abdul Malik dan Akhmad Yusup Aliya Dwi Nur Wakila Alma Husnul Tazkia Anggelia Nurfitria Anisa Nurul Hakim Asri Dewi, Asri Asri Nuranisa Dewi Attari Najla Bilkis Aulia Luxfiati Cecep Soleh Kurniawan Derwana Sari Desty Puspitasari Egi Pribadi Eva Misfah Bayuni Fahmi Fatwa Rosyadi Satria Hamdani Hafiz Adha Heru Pratikno Huriah Rachmah Ifa Hanifia Senjiati Imas Nurul Teja Ningrum Imelda Putri Intan Manggala Wijayanti Isvi Dewanti Kurniawan, Cecep Soleh Lasmanah Lena Aulia Luni Nur Rahmah M. Amidan As Syakir Meli Merlina Mohamad Andri Ibrahim Muhammad Lucky Fahrezi Muhammad Yunus Nanik Eprianti Nazma Laelatus Sai’dah Nurfitria, Anggelia Permana, Iwan Popon Srisusilawati Putri, Imelda Reyhan Maharis Fadilah Rita Mustika Rudy Gunawan Septiani Melawati Dewi Shafanissa Alifa Shafira Siti Albab Mardiyah Huwaida Sri Devi Sri Devi, Sri Yayat Rahmat Hidayat Zia Firdaus Nuzula