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Islamic Branding Experience dan Customer Citizenship Behaviour terhadap Keputusan Menggunakan Layanan LinkAja Syariah Safira, Raja Ela; Rahmanto, Dhidhin Noer Ady
Etihad: Journal of Islamic Banking and Finance Vol. 2 No. 1 (2022)
Publisher : Institut Agama Islam Negeri Ponorogo

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.21154/etihad.v2i1.3953

The influence of Islamic branding experience and customer citizenship behavior on the decision to use sharia linkaja services is the focus of this research, this is due to the increasing use of digitalization of sharia finance. The sample used was 252 respondents, the sampling technique used purposive sampling, namely the selection of samples with specified criteria. The results show that partially Islamic branding experience has a significant effect on decisions to use services, then customer citizenship behavior has a positive and significant effect on decisions to use services, which means that the better customer citizenship behavior, the more decisions to use services. Simultaneously, both Islamic branding experience and customer citizenship behavior have a positive and significant effect on decisions to use services simultaneously.Islamic branding experience dan customer citizenship behaviour terhadap keputusan menggunakan layanan linkaja syariah menjadi fokus penelitian dikarenakan meningkatnya penggunaan digitalisasi keuangan syariah. Sample yang diperoleh 252 responden, teknik pengambilan sample menggunakan purposive sampling, yaitu pemilihan sample dengan kriteria tertentu. Hasil penelitian menunjukkan secara parsial islamic branding experience berpengaruh signifikan terhadap keputusan menggunakan layanan, Selanjutnya customer citizenship behaviour berpengaruh positif dan signifikan terhadap keputusan menggunakan layanan artinya semakin baik customer citizenship behaviour maka semakin meningkatkan keputusan menggunakan layanan. Secara simultan baik islamic branding experience dan customer citizenship behaviour berpengaruh secara bersamaan positif dan signifikan terhadap keputusan menggunakan layanan.

The Influence of Plafond, Tenor, Application Process, and Loan Frequency on The Growth of Bank Syariah Indonesia's MSMEs Customers Viantina, Anisa Lia; Purbowisanti, Ratih; Ady Rahmanto, Dhidhin Noer; Ilmiah, Dunyati; Febriyanti, Novi
Invest Journal of Sharia & Economic Law Vol. 2 No. 2 (2022): INVEST - Vol. 2 No. 2 (2022)
Publisher : Institut Agama Islam Negeri Ponorogo

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.21154/invest.v2i2.5405

Micro, Small, and Medium Enterprises (MSMEs) are essential to economic growth. However, the growth of MSMEs is constrained by difficulties in accessing capital. This study aims to determine the effect of the variable amount of financing (plafond), the application process, the repayment period (tenor), and the frequency of borrowing on the growth of MSMEs. This study uses a quantitative method with a sample of 80 respondents from Bank Syariah Indonesia branch office Sleman Prambanan customers. The sample selection used a purposive sampling technique with the criteria that Bank Syariah Indonesia branch office Sleman Prambanan customers were SMEs in the Yogyakarta and Klaten areas and used financing products such as BSI KUR Micro, BSI KUR Kecil, and BSI Super Micro. The analytical technique used is the classical assumption test, multiple linear regression analysis, t-test, F test, and the coefficient of determination with the help of SPSS software. The results show that the amount of financing (plafond) and the repayment period (tenor) have a positive effect. In contrast, the application process and the borrowing frequency do not positively affect the growth of MSMEs.

The Influence of Plafond, Tenor, Application Process, and Loan Frequency on The Growth of Bank Syariah Indonesia's MSMEs Customers Viantina, Anisa Lia; Purbowisanti, Ratih; Ady Rahmanto, Dhidhin Noer; Ilmiah, Dunyati; Febriyanti, Novi
Invest Journal of Sharia & Economic Law Vol. 2 No. 2 (2022)
Publisher : Institut Agama Islam Negeri Ponorogo

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.21154/invest.v2i2.5405

Micro, Small, and Medium Enterprises (MSMEs) are essential to economic growth. However, the growth of MSMEs is constrained by difficulties in accessing capital. This study aims to determine the effect of the variable amount of financing (plafond), the application process, the repayment period (tenor), and the frequency of borrowing on the growth of MSMEs. This study uses a quantitative method with a sample of 80 respondents from Bank Syariah Indonesia branch office Sleman Prambanan customers. The sample selection used a purposive sampling technique with the criteria that Bank Syariah Indonesia branch office Sleman Prambanan customers were SMEs in the Yogyakarta and Klaten areas and used financing products such as BSI KUR Micro, BSI KUR Kecil, and BSI Super Micro. The analytical technique used is the classical assumption test, multiple linear regression analysis, t-test, F test, and the coefficient of determination with the help of SPSS software. The results show that the amount of financing (plafond) and the repayment period (tenor) have a positive effect. In contrast, the application process and the borrowing frequency do not positively affect the growth of MSMEs.

Financial Performance of Islamic Banks in Indonesia: Islamic Performance Indeks Approach Marzukoh, Aliyatun; Rahmanto, Dhidhin Noer Ady; Irsyad, Syaiful Muhamad
Wealth: Journal of Islamic Banking and Finance Vol. 2 No. 1 (2023)
Publisher : Faculty of Islamic Economics and Business, UIN Prof. K. H. Saifuddin Zuhri Purwokerto

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.24090/wealth.v2i1.8105

The purpose of this study was to determine the effect of the Islamicity Performance Index and Intellectual Capital on the profitability of Islamic Commercial Banks in Indonesia. The sample of this study was 7 Sharia Commercial Banks registered at Bank Indonesia and included in the Commercial Bank Business Activities (BUKU) II in 2018. This study used a multiple linear regression analysis method using Microsoft Excel 2007 and SPSS 20 software. Based on the result of testing, partial result of hypothesis showed that the variable Intellectual Capital (IC) has a positive signifivant effect on profitability of Comercial Sharia Bank in Indonesia, variable Equitable Distribution Ratio (EDR), Directors Employes Welfare Ratio (DEWR) has a positive not significant effect on profitability). Meanwhile the variable Profit Sharing Ratio (PSR) and Zakat Performance Ratio (ZPR) has a negative significant effect on profitability, and Islamic Income Ratio (IsIR) has a negative not significant effect on profitability of Comercial Sharia Bank in Indonesia. Simultaneous result of hypothesis showed that the all variable independent have positive effect on profitability, and variable dominan was Intellectual capital (IC).

Assessing the Efficiency of Sharia Rural Banks: A Comparative Study Using DEA Frontier Rahmanto, Dhidhin Noer Ady; Maulana, Hardiyansyah; Novi Febriyanti; M. Zidny Nafi’ Hasbi; Tyagita Dianingtyas Sudibyo
Jurnal Ilmu Perbankan dan Keuangan Syariah Vol. 6 No. 2 (2024)
Publisher : Program Studi Perbankan Syariah Fakultas Ekonomi dan Bisnis Islam UIN Datokarama Palu

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.24239/jipsya.v6i2.278.127-145

The COVID-19 pandemic has negatively impacted various sectors, including health, the economy, and banking, leading to decreased purchasing power, weakened entrepreneurship, and threats to MSMEs. The Sharia Rural Banks (BPRS) complements other Sharia banks in Indonesia by meeting the community's financial needs in accordance with Sharia principles. Efficiency in banking serves as a key indicator to assess bank performance, determining whether a bank is operating effectively. Identifying the factors that influence efficiency in the banking sector is essential. This study employs a quantitative approach with a descriptive design, using secondary data from the BPRS annual financial reports for the first, second, third, and fourth quarters of 2023, obtained from the official OJK website. The research sample includes 20 BPRS in the Central Java and DIY Provinces, all registered with the OJK. The data was processed into input and output variables based on financial balance sheets and profit and loss statements. Analysis was conducted using the DEA Frontier Application with the Variable Return to Scale (VRS) model. Efficiency was measured on a scale from 0 to 1, where a score of 1 or 100% indicates full efficiency. This study, conducted online from May to July 2024, utilized annual financial report data sourced from the Financial Services Authority (OJK). The findings reveal that the average operational efficiency of BPRS in Central Java across the four quarters was 0.881, while in DIY, it was 0.940, indicating that BPRS in DIY demonstrated higher operational efficiency compared to those in Central Java.

Prinsip Bagi Hasil dalam Perspektif Ekonomi Syariah Pada Akad Mudharabah Novi Febriyanti; Dhidhin Noer Ady Rahmanto; Muhammad Sofa; Susana Susana; Nur Rohmah Nuzulanita; Jainul Jainul
EKOMA : Jurnal Ekonomi, Manajemen, Akuntansi Vol. 2 No. 2: Januari-Juni 2023
Publisher : CV. Ulil Albab Corp

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.56799/ekoma.v2i2.3081

Artikel ini bertujuan untuk menjawab pertanyaan tentang prinsip bagi hasil dalam perspektif ekonomi syari’ah pada akad mudharabah, Metodologi penelitian yang digunakan adalah pendekatan deskriptif kualitatif dengan jenis penelitian analisis studi literatur. Hasil penelitian menunjukkan bahwa dalam perbankan syariah terdapat produk pembiayaan salah satunya yaitu pembiayaan mudharabah. Pembiayaan mudharabah terbagi menjadi 2 yaitu mudharabah mutlaqah dan mudharabah muqayyadah. Dalam prinsip bagi hasil menggunakan sistem bagi hasil pada akad mudharabah melalui sistem revenue sharing, yaitu proses bagi hasil yang diperoleh dari pendapatan tanpa dikurangi oleh biaya-biaya operasional, pendapatan dibagi dari keuntungan kotor. Dengen penentuan nisbah bagi hasil ditentukan diawal akad sesuai kesepakatan kedua belah pihak.

Islamic Branding Experience dan Customer Citizenship Behaviour terhadap Keputusan Menggunakan Layanan LinkAja Syariah Safira, Raja Ela; Rahmanto, Dhidhin Noer Ady
Etihad: Journal of Islamic Banking and Finance Vol. 2 No. 1 (2022)
Publisher : UIN Kiai Ageng Muhammad Besari Ponorogo

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.21154/etihad.v2i1.3953

The influence of Islamic branding experience and customer citizenship behavior on the decision to use sharia linkaja services is the focus of this research, this is due to the increasing use of digitalization of sharia finance. The sample used was 252 respondents, the sampling technique used purposive sampling, namely the selection of samples with specified criteria. The results show that partially Islamic branding experience has a significant effect on decisions to use services, then customer citizenship behavior has a positive and significant effect on decisions to use services, which means that the better customer citizenship behavior, the more decisions to use services. Simultaneously, both Islamic branding experience and customer citizenship behavior have a positive and significant effect on decisions to use services simultaneously.Islamic branding experience dan customer citizenship behaviour terhadap keputusan menggunakan layanan linkaja syariah menjadi fokus penelitian dikarenakan meningkatnya penggunaan digitalisasi keuangan syariah. Sample yang diperoleh 252 responden, teknik pengambilan sample menggunakan purposive sampling, yaitu pemilihan sample dengan kriteria tertentu. Hasil penelitian menunjukkan secara parsial islamic branding experience berpengaruh signifikan terhadap keputusan menggunakan layanan, Selanjutnya customer citizenship behaviour berpengaruh positif dan signifikan terhadap keputusan menggunakan layanan artinya semakin baik customer citizenship behaviour maka semakin meningkatkan keputusan menggunakan layanan. Secara simultan baik islamic branding experience dan customer citizenship behaviour berpengaruh secara bersamaan positif dan signifikan terhadap keputusan menggunakan layanan.

Analisis Efektivitas Penggunaan Quick Response Code Indonesian Standard (QRIS) sebagai Alat Pembayaran Non Tunai pada Bank Syariah Indonesia KCP Godean 2 Putri, Sulistiani Arianti; Rahmanto, Dhidhin Noer Ady
El-Mal: Jurnal Kajian Ekonomi & Bisnis Islam Vol. 5 No. 1 (2024): El-Mal: Jurnal Kajian Ekonomi & Bisnis Islam
Publisher : Intitut Agama Islam Nasional Laa Roiba Bogor

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.47467/elmal.v5i1.427

Sulistiani Arianti Putri, Dhidhin Noer Ady Rahmanto Universitas Alma Ata Yogyakarta 192100137@almaata.ac.id ABSTRACT The purpose of this study was conducted to find out and examine how effective the use of the Quick Response Code Indonesian Standard (QRIS) feature at Bank Syariah Indonesia KCP Godean 2 is to use it as a non-cash payment instrument. This type of research is included in field research, which means explaining and describing conditions and phenomena more clearly related to the situation that occurs, therefore the type of research used is a type of qualitative research through interviews and documentation. The subjects in this study were Branch Managers, Consumer Branch Relations Managers, Funding and Transaction Staff, Customer Service and customers who use QRIS BSI KCP Godean 2. The results of this study indicate that the effectiveness of using QRIS as a non-cash payment tool has been running effectively, this is evidenced with the fulfillment of 3 aspects of effectiveness (source approach, process approach and target approach). Meanwhile, the performance effectiveness of Islamic banks in implementing QRIS shows the fulfillment of two of the three approaches, namely the source approach and the process approach. For one other measure of effectiveness, it is considered that it cannot be fulfilled, namely the target approach because it cannot achieve the results or outputs that have been previously set. The cause of BSI KCP Godean 2 not achieving results or output was the lack of availability of Human Resources (HR). Even so, statements from customers regarding service quality are quite good and satisfying. Keywords: Effectiveness, Usage, Performance, Standard Indonesian Quick Response Code

Perjalanan Kenabian Muhammad SAW dalam al-Qur'an DHIDHIN NOER ADY RAHMANTO
Afkaruna: Indonesian Interdisciplinary Journal of Islamic Studies Vol. 12 No. 2: December 2016
Publisher : Fakultas Studi Islam dan Peradaban, Universitas Muhammadiyah Yogyakarta

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.18196/afkaruna.v12i2.2796

Perjalanan kenabian merupakan hal penting yang selalu menarik untukdikaji lebih dalam. Sederhananya kita sebagai umat Rasulullah pastimempunyai keinginan mengenal lebih dalam tentang perjalanan kenabianbeliau. Bagaimana proses perjalanan kenabian yang telah dijalani NabiMuhammad SAW yang telah kita jadikan sebagai suri tauladan dan kitayakini sebagai pembawa al-Quran. al-Quran merupakan bukti yang telahlama ada dan telah tersirat mengabarkan tentang perjalanan kenabianyang dapat kita telusuri dengan membaca dan mengkaji lebih dalamdengan metode analisis yang baik. Dalam buku ini penulis mengupasperjalanan kenabian Muhammad SAW menggunakan perangkat al-Qurandengan metode tafsir Nuzuli dalam perspektif M. Izzat Darwazah. Denganadanya pemaparan ini pembaca semakin dapat menambah wawasankeislaman, juga dapat meningkatkan kualitas keimanannya kepada AllahSWT dan menambah kecintaannya kepada Nabi Muhammad SAW.

The Moderating Role of Bank Size in Intellectual Capital, Leverage, and Financial Performance: Indonesian Islamic Commercial Banks 2019–2023 Dhidhin Noer Ady Rahmanto; Ardila Septi Priwanda
Etihad: Journal of Islamic Banking and Finance Vol. 6 No. 1 (2026)
Publisher : UIN Kiai Ageng Muhammad Besari Ponorogo

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.21154/etihad.v6i1.13933

Introduction: This study examines the effects of intellectual capital efficiency and leverage on the financial performance of Indonesian Islamic commercial banks, with bank size as a moderating variable. It addresses inconsistent prior findings by testing whether bank scale explains differences in the performance effects of intangible resources and financial structure. Research Methods: Using balanced panel data from nine Islamic commercial banks during 2019–2023, this study analyzes 45 bank-year observations. Financial performance is proxied by lnROA, intellectual capital by VAIC, leverage by DER, and bank size by ln(total assets). The data are analyzed using panel-based moderated regression. Results: The Random Effect Model shows that VAIC positively affects financial performance (β = 0.5449; p < 0.001), while DER has no significant direct effect (β = -0.0418; p = 0.5927). Bank size does not moderate the VAIC-performance relationship (β = 0.1626; p = 0.2663), but negatively moderates the DER-performance relationship (β = -0.2780; p < 0.001). Conclusion: The study contributes by applying panel-based moderation analysis to Islamic bank performance. Islamic banks should strengthen intellectual capital and manage leverage prudently as bank scale increases.

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