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All Journal Equilibrium PengabdianMu: Jurnal Ilmiah Pengabdian kepada Masyarakat El-Ecosy : Jurnal Ekonomi dan Keuangan Islam Jurnal Intisabi KHITABAH: Khazanah Penelitian Perbankan Syariah
Ihrom Jaelani
Program Studi Perbankan Syariah, STAI Putra Galuh Ciamis
Agriculture, Biological Sciences & Forestry Economics, Econometrics & Finance Education Law, Crime, Criminology & Criminal Justice Public Health Social Sciences

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Journal : KHITABAH: Khazanah Penelitian Perbankan Syariah

 1 
PENGARUH BRAND IMAGE TERHADAP MINAT MENABUNG MAHASISWA DI BANK SYARIAH Saripatul Munawaroh, Salma; Jaelani, Ihrom; Khoer, Misbahul
KHITABAH: Khazanah Penelitian Perbankan Syariah Vol 1 No 2 (2024): Desember
Publisher : Sekolah Tinggi Agama Islam Putra Galuh Ciamis

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.61580/khitabah.v1i2.70

Abstract

This research is motivated by field data indicating that in Indonesia, the majority of the population tends to save in conventional banks rather than in Islamic banks. This suggests a relatively low interest in saving among Indonesians in Islamic banks. The study aims to investigate the influence of brand image on students' interest in saving at Islamic banks. The research methodology employed is quantitative with a survey method. The population consists of 260 respondents, and the sample includes 158 students from STAI Putra Galuh Ciamis. Sampling was conducted using random sampling techniques based on the Slovin formula. Data were collected using a questionnaire comprising 22 items. Data analysis involved simple linear regression using SPSS version 25 software. Students' perceptions of the brand image of Islamic banks were positive, with an average score of 3.935, indicating a high rating. Students' interest in saving at Islamic banks stemmed from perceived benefits, needs, and the variety of Sharia-compliant products offered. The brand image variable showed a t-value of 10.996, which is greater than the critical t-value of 1.975, with a significance level of 0.000 < 0.05. Therefore, the null hypothesis (H0) was rejected, and the alternative hypothesis (Ha) was accepted, indicating that the brand image variable (X) significantly influences students' interest in saving (Y). The research findings indicate that brand image accounts for 43.7% of the variance in students' interest in saving at Islamic banks.
PENGARUH LITERASI KEUANGAN SYARIAH, PENGALAMAN KEUANGAN, DAN ETIKA KONSUMSI TERHADAP PERILAKU KEUANGAN PEDAGANG PASAR TRADISIONAL Mutakin, Kikin; Jaelani, Ihrom; Acim, Acim
KHITABAH: Khazanah Penelitian Perbankan Syariah Vol 2 No 1 (2025): .
Publisher : Sekolah Tinggi Agama Islam Putra Galuh Ciamis

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This study aims to analyze the influence of Islamic financial literacy, Islamic financial experience, and self-control on Islamic financial behavior in traditional market traders. The background of this study is the challenges faced by traditional business actors amidst the rapid digitalization of the economy and the low level of Islamic financial literacy and inclusion in Indonesia. With a quantitative approach, this study uses a multiple linear regression method on 50 market trader respondents selected purposively. The results of the analysis show that simultaneously, the three independent variables do not have a significant effect on Islamic financial behavior (sig. F value > 0.05). Likewise, partially, Islamic financial literacy, Islamic financial experience, and self-control do not have a significant effect on Islamic financial behavior. This indicates that there are other factors outside the model that may be more dominant in shaping Islamic financial behavior, such as religious understanding, local cultural values, or the influence of the social environment. This study recommends the need for a deeper educational and spiritual approach and community-based economic assistance programs to strengthen Islamic financial practices at the micro level
PENGARUH NEGOSIASI TINGKAT MARGIN TERHADAP KEPUTUSAN NASABAH MENGGUNAKAN PRODUK MURABAHAH DI BMT MIFTAHUSSALAM CIAMIS Saepudin, Asep; Jaelani, Ihrom
KHITABAH: Khazanah Penelitian Perbankan Syariah Vol 2 No 1 (2025): .
Publisher : Sekolah Tinggi Agama Islam Putra Galuh Ciamis

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Abstract

This study aims to determine the effect of negotiating the margin rate on customer decisions using murabahah products. The population in this study were 131 Murabahah customers at BMT Miftahussalam Ciamis, sampling using the Slovin formula with random sampling techniques. The sample used was 99 respondents. The data collection instrument used a questionnaire of 20 statement items with a Likert scale of 1-5 and tested for validity and reliability. Data analysis using simple linear regression with the help of SPSS V.25. Based on simple linear regression analysis at a significance level of 5%, the results of the partial test (t test) show that the calculated t value of 2.400 shows that it is greater than the t table (2.400> 1.984) and a significance value of 0.018 <0.05 so it can be concluded that H0 is rejected and Ha is accepted, which means that the negotiation of the margin rate has a positive and significant effect on the Customer's Decision to use Murabahah Products at BMT Miftahussalam Ciamis.
PENGARUH NON PERFORMING LOAN (NPL) DAN LOAN TO DEPOSIT RATIO (LDR) TERHADAP PROFITABILITAS PADA BANK UMUM SYARIAH PERIODE 2019– 2023 Farida Yanti, Reni; Jaelani, Ihrom
KHITABAH: Khazanah Penelitian Perbankan Syariah Vol 1 No 1 (2024): Juni
Publisher : Sekolah Tinggi Agama Islam Putra Galuh Ciamis

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.61580/khitabah.v1i1.43

Abstract

Tujuan dari dilakukan penelitian ini adalah untuk mengetahui: 1) Non Performing Loan (NPL), Loan To Deposit Ratio (LDR) , dan Profitabilitas pada Bank Umum Syariah. 2) Pengaruh Non Performing Loan (NPL) secara parsial terhadap Profitabilitas pada Bank Umum Syariah. 3) Pengaruh Loan To Deposit Ratio (LDR) secara parsial terhadap Profitabilitas pada Bank Umum Syariah. 4) Pengaruh Non Performing Loan (NPL) dan Loan To Deposit Ratio (LDR) secara simultan terhadap Profitabilitas pada Bank Umum Syariah. Metode penelitian yang digunakan adalah metode kuantitatif dengan menggunakan anaisis regresi linier berganda. Berdasarkan analisis yang telah dilakukan secara parsial membuktikan bahwa : 1) Non Performing Loan (NPL) memiliki pengaruh yang signifikan terhadap profitabilitas pada Bank Umum Syariah Tahun 2019-2023. 2) Loan to Deposit Ratio (LDR) memiliki pengaruh yang signifikan terhadap profitabilitas pada Bank Umum Syariah Tahun 2019-2023. 3) Non Performing Loan (NPL) dan Loan to Deposit Ratio (LDR) memiliki pengaruh yang signifikan terhadap profitabilitas pada Bank Umum Syariah Tahun 2019-2023
Co-Authors Acim, Acim Asep Nursobah, Asep Farida Yanti, Reni Kikin Mutakin Mubaarok, Saeful Huda Nur Jamiel, Harun Purbayani, Rini Rukoyah, Siti Saepudin, Asep Saripatul Munawaroh, Salma