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All Journal Social Science Studies Dirosah Islamiyah: Jurnal Studi Islam
Imanda Firmantyas Putri Pertiwi
UIN SALATIGA
Religion Education Social Sciences Other

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The Influence of Self Service Technology, Customer Intimacy and Customer Delight on Customer Lotalty With Customer Bonding as An Intervening Variable Nevia Ramadhani; Imanda Firmantyas Putri Pertiwi
Social Science Studies Vol. 3 No. 2 (2023): (Issue-March)
Publisher : Profesional Muda Cendekia Publishing

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.47153/sss32.6792023

Abstract

This study aims to determine how strong the influence of Self Service Technology, Customer Intimacy and Customer Delight on Customer Loyalty with Customer Bonding as an intervening variable. This study uses a quantitative method by processing primary data obtained through distributing questionnaires to the public who are customers of Bank Muamalat KCP Salatiga. The samples taken were 100 respondents, using purposive sampling technique. Then the results obtained were processed with SPSS version 20. The analysis used included descriptive statistical tests, instrument tests, path analysis regression tests, classical assumption tests, model accuracy tests and hypothesis testing. Based on the test results obtained results: self service technology has a positive effect that is not significant on customer loyalty. Customer intimacy has a significant positive effect on customer loyalty. Customer delight has an insignificant negative effect on customer loyalty. Customer bonding has a significant positive effect on customer loyalty. Self service technology does not have a significant positive effect on customer bonding. Customer intimacy has a significant positive effect on customer bonding. Customer delight has a negative effect that does not significantly affect customer bonding. Self service technology and customer delight do not mediate customer loyalty with customer bonding. Customer intimacy can mediate customer loyalty with customer bonding.
Nilai Waktu Uang dan Legitimasi Syariah: Analisis Konsep Time Value of Money dan Economic Value of Time Dalam Keuangan Islam Sirojul Munawwar; Imanda Firmantyas Putri Pertiwi
Dirosah Islamiyah Vol 1 No 3 (2026): Juli
Publisher : Dirosah Islamiyah: Jurnal Studi Islam

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

Abstract

The Time Value of Money (TVM) serves as a core principle in conventional finance, asserting that current money is worth more than future money due to inflation, risk, and investment opportunities. However, Islamic finance debates this concept due to its strong association with interest-based practices, which fall under the prohibition of riba (usury). This study analyzes the concept of TVM in conventional economics, examines the Islamic financial perspective on the value of money over time, compares TVM with the Economic Value of Time (EVT), and evaluates its legitimacy based on Sharia principles and maqashid al-shariah. Using a qualitative-descriptive library research method, this study analyzes various recent scientific literatures. The results indicate that Islamic economics does not reject the value of time absolutely. Instead, it rejects any automated increase in monetary value that arises solely from the passage of time without real economic activity. As an alternative, Islamic economics offers the EVT concept, which treats time as a productive factor to generate economic value through genuine business operations. Islamic finance implements this time value through real transaction-based contracts including murabahah, ijarah, and mudharabah. These applications possess valid Sharia legitimacy as long as they remain free from riba (usury), gharar (uncertainty), and maisir (gambling) while promoting public welfare under maqashid al-shariah. This paradigm shift provides a strategic opportunity for the Islamic financial industry to build a more inclusive, equitable, and sustainable economic system.
Co-Authors Nevia Ramadhani Sirojul Munawwar