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All Journal Analisis: Jurnal Studi Keislaman Al-Iqtishad : Jurnal Ilmu Ekonomi Syariah (Journal of Islamic Economics) ANDHARUPA MUHARRIK: JURNAL DAKWAH DAN SOSIAL Ath Thariq Jurnal Dakwah dan Komunikasi Jurnal Ilmiah Edunomika (JIE) Budapest International Research and Critics Institute-Journal (BIRCI-Journal): Humanities and Social Sciences JENTRE International Journal of Science and Society (IJSOC) JENTRE: Journal of Education, Administration, Training and Religion Maliki Islamic Economics Journal IIJSE Jurnal Ilmiah Syi'ar
Sofyan Rizal, Sofyan
Universitas Nasional Jakarta
Religion Arts Humanities Decision Sciences, Operations Research & Management Economics, Econometrics & Finance Education Languange, Linguistic, Communication & Media Materials Science & Nanotechnology Mathematics Social Sciences Other

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Determinants of Market Share of Islamic Commercial Banks in Indonesia in the Economic System Shafira, Alfina; Rizal, Sofyan; Aziz, Roikhan Mochamad
Budapest International Research and Critics Institute-Journal (BIRCI-Journal) Vol 8, No 2 (2025): Budapest International Research and Critics Institute May
Publisher : Budapest International Research and Critics University

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.33258/birci.v8i2.8092

Abstract

This research analyzes the impact of the BI Rate, CAR, ROA, FDR, as well as Murabahah and Musyarakah financing, on the market share of Islamic Commercial Banks (BUS) in Indonesia. Using quantitative panel data regression on quarterly data from 7 BUSs covering the period 2015-2024, the study found that all tested variables significantly affect market share. The BI Rate, as a macroeconomic factor, showed significance, indicating the sensitivity of Islamic banking to external economic conditions and monetary policy. Internal factors such as CAR (Capital Adequacy Ratio) and ROA (Return on Assets) positively and significantly influenced market share, aligning with Islamic economic principles of maintaining stability and wealth. FDR (Financing-to-Deposit Ratio) also had a positive effect, highlighting the link to real sector financing. On the product side, Murabahah, the dominant financing contract, proved individually significant. Musyarakah, although less utilized due to higher risk, also exerted a positive influence, underscoring the potential of Profit-Loss Sharing (PLS) schemes in Islamic finance. Overall, the findings indicate that BUS market share is influenced by a combination of external factors (BI Rate), internal health (CAR, ROA), and a focus on real sector financing (FDR, Murabahah, Musyarakah), implying a connection between the fundamental performance of Islamic banks and the real sector they finance.
The Influence of Service Quality, Customer Value, and Corporate Image on Customer Loyalty (Case Study of PT BNI Syariah Tanah Abang Branch) Anggraini, Zulfa; Rizal, Sofyan
Budapest International Research and Critics Institute-Journal (BIRCI-Journal) Vol 8, No 3 (2025): Budapest International Research and Critics Institute August
Publisher : Budapest International Research and Critics University

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.33258/birci.v8i3.8103

Abstract

The purpose of study was to analyze the effect of service quality., customer value and company image on customer loyalty at PT. BNI Syariah Tanah Abang Branch. The type of research is quantitative. The data source of study is primary data derived from the sample, namely the customers of PT. BNI Syariah Tanah Abang Branch. Data collection was done using purposive sampling by spreading to 100 respondents. This study uses multiple linier regression analysis method. The results of study show that 1) service quality doesn’t significantly influence customer loyalty. 2) customer value significantly influences customer loyalty. 3) company image significantly influence customer loyalty, and 4) service quality, customer value and influential company image significantly influence customer loyalty.
Co-Authors Ainun Zamilah Ali Rahmat Andi Faisal Bakti & Venny Eka Meidasari Anggraini, Zulfa Asyari Hasan, Asyari Atikah Edi Mulyono Euis Amalia Fadillah, Sobari Febriansyah Febriansyah Harfian, Muhammad Juang Husnah, Siti Syavinatul Jaharuddin, Jaharuddin Nur Hidayah Roikhan Mochamad Aziz, Roikhan Mochamad Rr Tini Anggraeni Salam Almuhtasib, Abdul Shafira, Alfina Sunaryanto Syamsuri, Ahmad Rofi Terminanto, Ade Ananto Zulkifli Zulkifli