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All Journal Afkaruna: Indonesian Interdisciplinary Journal of Islamic Studies JES (Jurnal Ekonomi Syariah
Nurlaili Adkhi Rizfa Faiza
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Economics, Econometrics & Finance Education

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Religiusitas, Kepuasan Pelayanan, Dan Pengaruhnya Terhadap Loyalitas Nasabah Bank Syariah Di Kota Surabaya (Analisis Regresi Purposed Mediator dengan Bootstrap Matrix) Nurlaili Adkhi Rizfa Faiza
JES (Jurnal Ekonomi Syariah) Vol 7, No 2 (2022): September
Publisher : Universitas Islam Lamongan

Show Abstract | Download Original | Original Source | Check in Google Scholar | Full PDF (387.948 KB) | DOI: 10.30736/jes.v7i2.248

Abstract

High customer loyalty can indicate the success of Islamic banks in line with increasingly fierce business competition between financial institutions and banks. This study aims to examine and analyze the relationship between bank services, customer satisfaction, one's religiosity, and customer loyalty of Islamic banks in the city of Surabaya. Using a research sample of Islamic bank customers who domiciled in Surabaya, this study uses a quantitative approach with a purposed mediator regression analysis with Bootstrap Matrix. The results showed that a person's religiosity and service quality of Islamic banks had a positive and significant effect on their loyalty as customers in Islamic banks. Then, the effect of service on customer loyalty, which is moderated by satisfaction, shows a positive but not significant effect. With the less significant effect of service on loyalty moderated by satisfaction, along with the increasingly fierce business competition between institutions and banks, Islamic banks need to improve the quality of services provided to customers and prospective customers to be able to compete with other financial institutions to obtain satisfaction and maintain customer loyalty. Finally, the results of the simultaneous test show that religiosity and service quality (moderated by customer satisfaction) have a positive and significant effect on customer loyalty in sharia banking in Surabaya.
Blockchain Technology as A Means of Wealth Protection (Ḥifẓ al-Māl) in Digital Cryptocurrency Assets: A Maqāṣid-Oriented Analytical Framework Agus Wahyu Irawan; Muhammad Lathoif Ghozali; Sadiq Ibrahim Mijinyawa; Nurlaili Adkhi Rizfa Faiza
Afkaruna: Indonesian Interdisciplinary Journal of Islamic Studies Vol. 21 No. 2: December 2025
Publisher : Fakultas Studi Islam dan Peradaban, Universitas Muhammadiyah Yogyakarta

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.18196/afkaruna.v21i2.26972

Abstract

The rapid expansion of blockchain technology and digital cryptocurrency assets has generated significant debate within Islamic finance, particularly regarding their compliance with the objectives of Maqāṣid al-Sharīʿah. This study critically examines the role of blockchain technology in the protection of wealth (ḥifẓ al-māl) within digital cryptocurrency assets using a maqāṣid-oriented analytical framework. Employing a qualitative normative–conceptual approach grounded in Jasser Auda’s systems theory of maqāṣid al-Sharīʿah, the study analyzes how core blockchain characteristics transparency, cryptographic security, immutability, and distributed ledger architecture contribute to wealth protection while also identifying inherent risks and limitations. The findings indicate that blockchain can support ḥifẓ al-māl by enhancing transaction accountability, safeguarding ownership, and mitigating fraud. However, such contributions are neither inherent nor unconditional, as they depend on governance structures, regulatory alignment, and ethical usage frameworks. The study further distinguishes between blockchain as a neutral technological infrastructure and cryptocurrency as a financial instrument that may generate Shariah concerns due to volatility, gharar, and speculative excess. By articulating this distinction, the research advances a more proportionate and critically grounded maqāṣid-based assessment of blockchain, contributing to contemporary discourse on Islamic digital finance and offering a conceptual foundation for future regulatory and technological development.
Co-Authors Agus Wahyu Irawan Muhammad Lathoif Ghozali Sadiq Ibrahim Mijinyawa