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All Journal Jurnal Bisnis Dan Kajian Strategi Manajemen Tasharruf: Journal Economics and Business of Islam Ihtiyath : Jurnal Manajemen Keuangan Syariah JIMEBIS Share: Jurnal Ekonomi dan Keuangan Islam AT-TIJARAH: Journal Islamic Banking and Finance Research
Khairil Umuri
Ekonomi Islam - Universitas Syiah Kuala
Religion Arts Humanities Decision Sciences, Operations Research & Management Economics, Econometrics & Finance Social Sciences

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Kinerja Bank Pasca Konversi Menjadi Bank Syariah: Lebih Baik Atau Lebih Buruk? Nurma Sari; Windi Hasnanti Putri; Khairil Umuri
Jurnal Ilmiah Mahasiswa Ekonomi dan Bisnis Islam Vol 3 No 2 (2022)
Publisher : Fakultas Ekonomi dan Bisnis Islam, Universitas Islam Negeri Ar-Raniry Banda Aceh

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.22373/jimebis.v3i2.273

Abstract

This study aims to compare the quality of service and loyalty in Bank before and after to find out the impact of service quality on customer loyalty before and after becoming Bank Syariah. The method used in this research is quantitative. The population in this study up to 60,000 customers. The samples obtained were 100 customers by using Slovin formula with sample technique that is purposive sampling. This research used questionnaire as its instrument. Hypothesis testing in this study consisted of Paired sample t-Test and Structural Equation Model (SEM) Test. Paired sample t-test is to compare service quality and loyalty at Bank before and after conversion. Test SEM used to find out the influence of service quality to loyalty before and after conversion. The result of Paired sample t-test showed that service quality and customer loyalty have better effect than before conversion. And the result of Structural Equation Model (SEM) with maximum likelihood estimation (MLE) method showed that service quality influence loyalty before and after becoming Bank Syariah conversion with significance value of p <0,001.
Enhancing Cooperative Member Loyalty: The Nexus of Service Quality, Institutional Image, and Governance Nurdin, Ridwan; Umuri, Khairil; Riyaldi, Muhammad Haris
Share: Jurnal Ekonomi dan Keuangan Islam Vol 14, No 1 (2025): IN PROGRESS
Publisher : Faculty of Islamic Economics and Business, Universitas Islam Negeri Ar-Raniry

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.22373/share.v14i1.22446

Abstract

Cooperatives play a crucial role in driving economic development in Indonesia. However, increasing competition from financial institutions has made member loyalty a key factor in ensuring cooperative sustainability. Baitul Qiradh Baburrayyan Cooperative, (KBQ Baburrayyan) a leading coffee-exporting cooperative in Aceh Tengah Regency, Indonesia, faces these challenges while striving to maintain strong member engagement. This study explores the strategies implemented by KBQ Baburrayyan to sustain member loyalty using a qualitative approach with descriptive analysis. The findings reveal that the cooperative enhances service quality through improved coordination and collaboration between management and members. Additionally, strong governance and member-oriented business practices empower members by addressing their economic needs. The cooperative also maintains a positive institutional image, fostering trust among members and stakeholders. This study highlights that service quality, governance, and institutional reputation are essential factors in sustaining long-term member loyalty in cooperatives.======================================================================================================== ABSTRAK - Meningkatkan Loyalitas Anggota Koperasi: Hubungan antara Kualitas Pelayanan, Citra Organisasi, dan Tatakelola. Koperasi memiliki peran penting dalam mendorong perkembangan ekonomi di Indonesia. Dalam menghadapi persaingan dengan lembaga keuangan lainnya, mempertahankan loyalitas anggota menjadi faktor kunci dalam menjaga keberlanjutan koperasi. Koperasi Baitul Qiradh (KBQ) Baburrayyan, sebagai koperasi eksportir kopi terkemuka di Kabupaten Aceh Tengah, juga menghadapi tantangan untuk mempertahankan loyalitas anggotanya. Penelitian ini mengeksplorasi strategi yang diterapkan KBQ Baburrayyan dalam mempertahankan loyalitas anggota dengan menggunakan pendekatan kualitatif dan analisis deskriptif. Hasil penelitian menemukan bahwa dalam mempertahankan loyalitas anggota, KBQ Baburrayyan melakukan beberapa strategi, yaitu menjaga kualitas pelayanan dengan meningkatkan koordinasi dan kerjasama yang baik antar pengurus dan anggota. Selain itu, koperasi juga menjalankan tata kelola dan bisnis yang berorientasi pada pemberdayaan anggota, sehingga anggota dapat memenuhi kebutuhan hidup mereka dengan baik. Koperasi juga berupaya menjaga citra sehingga senantiasa dipandang baik oleh anggota dan stakeholder lainnya. Hasil penelitian ini menunjukkan bahwa untuk menjaga loyalitas anggota, koperasi harus senantiasa menjaga kualitas pelayanan, tata kelola dan citra dengan baik. 
Analisis Perilaku Investor dalam Pasar Saham: Pendekatan Islam untuk Meningkatkan Stabilitas Keuangan Suryani, Dewi; Umuri, Khairil; Sartiyah
IHTIYATH : Jurnal Manajemen Keuangan Syariah Vol 9 No 1 (2025): Ihtiyath : Jurnal Manajemen Keuangan Syariah
Publisher : Fakultas Ekonomi dan Bisnis Islam

Show Abstract | Download Original | Original Source | Check in Google Scholar

Abstract

This study explores the impact of investor behavior on stock market stability through the lens of Islamic principles, emphasizing justice and transparency. Employing a systematic literature review approach, the research analyzes 200 relevant articles from 2019–2023 to investigate the relationship between investor behaviors—such as speculation and gharar (uncertainty)—and market volatility. The data were derived from a comprehensive scholarly literature review, including academic journals, articles, books, and research reports. By synthesizing relevant sources, the study offers an in-depth understanding of investor behavior and the implications of Islamic perspectives on stock market stability. The findings reveal that behaviors aligned with Shariah principles, including avoiding speculation and reinforcing transparency, contribute significantly to enhancing stock market stability. Moreover, the study underscores the importance of implementing Shariah-based regulations and promoting Islamic financial literacy to support ethical investment practices. The practical implications of this research include recommendations for regulators to integrate Shariah ethical standards into market policies and encourage market participants to adopt fundamental analysis consistent with Shariah principles. Finally, the study opens avenues for future research to explore empirical applications in specific stock markets and their impact on sustainable economic policies.
The Influence Of Religiosity, Income, Zakat Literacy, And Socialization On The Interest In Paying Zakat: A Case Study Of Baitul Mal In Banda Aceh City Dewi, Ratna; Nurlina, Eka; Umuri, Khairil
AT-TIJARAH: Jurnal Penelitian Keuangan dan Perbankan Syariah Vol. 7 No. 1 (2025): AT-TIJARAH: Jurnal Penelitian Keuangan dan Perbankan Syariah
Publisher : Fakultas Ekonomi dan Bisnis Islam - IAIN Lhokseumawe

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.52490/at-tijarah.v7i1.6015

Abstract

This research aims to determine the influence of religiousness, income, zakat literacy, and socialization on people's interest in paying zakat at Baitul Mal, Banda Aceh City. The data used is primary data using a questionnaire technique which was distributed to 100 respondents, people who have KTPs in Banda Aceh. The number of variables studied was 5 (five), namely religiosity, income, zakat literacy, and socialization as independent variables and the variable interest in paying zakat as the dependent variable. The approach used in this research is a quantitative approach. The sampling method used is probability sampling with cluster random sampling technique. The method used is multiple linear regression analysis. Based on the results of this study, it was found that religiosity has a positive and significant effect on interest in paying zakat, income has a positive and significant effect on interest in paying zakat, zakat literacy has a positive and significant effect on interest in paying zakat, socialization has a positive and significant effect on interest in paying zakat, religiosity, income, zakat literacy and socialization simultaneously influence the intention to pay zakat.
Does Religiosity Influence the Relationship Between Sharia Governance and Member Loyalty in Islamic Cooperatives? Umuri, Khairil; Halim, Hendra; Farma, Junia; Indah, Cahyani Rahmitha
Tasharruf: Journal Economics and Business of Islam Vol 10, No 1 (2025): JUNE
Publisher : IAIN Manado

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.30984/tjebi.v10i1.3576

Abstract

Sharia cooperatives play a pivotal role in advancing Islamic economic development by offering financial services aligned with Islamic principles. Nonetheless, sustaining member loyalty remains a significant challenge. This study investigates the impact of Sharia governance on member loyalty within Sharia cooperatives in Banda Aceh City and examines the moderating role of religiosity in this relationship. Employing an explanatory research design, primary data were collected through questionnaires distributed to 200 purposively selected respondents. The data were analyzed using moderated regression analysis to test the proposed hypotheses. The findings reveal that Sharia governance exerts a positive and significant influence on member loyalty. However, religiosity was found to weaken this relationship, indicating that members with higher levels of religiosity tend to rely more on personal beliefs than institutional governance when forming loyalty. These results suggest that member engagement strategies should not only focus on structural and governance compliance but also incorporate the diverse religious values held by cooperative members. The study offers practical implications for enhancing loyalty in faith-based financial institutions. Limitations include the cross-sectional nature of the data and its geographic restriction to a single region, which may affect the generalizability of the results. Future research is encouraged to include broader contexts and longitudinal data.
HOW CAN SHARIA COOPERATIVES ALLEVIATE POVERTY IN ACEH? Umuri, Khairil; Gunawan, Eddy; Syahriyal, Syahriyal; Halim, Hendra
Jurnal Bisnis Dan Kajian Strategi Manajemen Vol 9, No 2 (2025): JURNAL BISNIS DAN KAJIAN STRATEGI MANAJEMEN
Publisher : universitas teuku umar

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.35308/jbkan.v9i2.12851

Abstract

Sharia cooperatives have emerged as an alternative solution in poverty alleviation efforts, especially in Aceh Province, which has officially implemented a Sharia-based financial system. This study aims to explore the role of Sharia cooperatives in empowering impoverished communities through a qualitative descriptive approach informed by a literature review. Based on a review of more than 25 national and international academic sources, this study highlights how sharia cooperatives provide inclusive financial access, create employment opportunities, and promote economic independence, particularly for vulnerable groups, including women and Micro And Small Enterprises (MSMEs). The findings demonstrate that sharia cooperatives not only enhance economic welfare but also foster social solidarity, expand access to decent housing, and integrate Islamic values into community life. In addition, sharia cooperatives also support the achievement of the Sustainable Development Goals (SDGs), especially in the aspects of poverty alleviation (SDG 1) and women's empowerment (SDG 5). Despite facing structural challenges such as low managerial capacity and regulatory support, sharia cooperatives still have great potential as a value-based economic instrument in realizing a just and prosperous society. This study recommends integrating sharia cooperatives into the national digital-based economic ecosystem to strengthen their contribution to inclusive and equitable development.
Co-Authors Dewi Suryani Eddy Gunawan, Eddy Farma, Junia Halim, Hendra Indah, Cahyani Rahmitha Muhammad Haris Riyaldi, Muhammad Haris Nurlina, Eka Nurma Sari Ratna Dewi Ridwan Nurdin Sartiyah Syahriyal, Syahriyal Windi Hasnanti Putri