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Journal : ICO EDUSHA

PENGARUH KUALITAS PELAYANAN, RELIGIUSITAS DAN BAGI HASIL TERHADAP MINAT NASABAH DALAM MENABUNG DI BANK SYARIAH INDONESIA BANYUWANGI Mira Ustanti; Nawal Ika Susanti; Reva Dwi Melania
ICO EDUSHA Vol. 4 No. 1 (2023): The Fourth ICO EDUSHA 2023
Publisher : STAI AN-NAJAH INDONESIA MANDIRI

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Abstract

Indonesia is one of the countries with a majority Muslim population in the world. With this potential, there should be very wide opportunities for interest in saving in sharia banking. However, the reality shows that the conventional banking sector has a more dominant market share compared to sharia banking. Therefore, the aim of this research is to determine the influence of Service Quality (X1), Religiosity (X2) and Profit Sharing (X3) partially or simultaneously on Interest in Saving (Y) at Bank Syariah Indonesia Banyuwangi. This research is quantitative research with primary data obtained from the results of distributing questionnaires to 40 people who save at Bank Syariah Indonesia. The sampling technique uses Simple Random Sampling. The results of the t test show that Service Quality (X1), Religiosity (X2) and Profit Sharing (X3) partially have a significant effect on interest in saving at BSI Banyuwangi, with a significance value of 0.02; 0.03; 0.02<0.05. The results of the F test show that service (X1), religiosity (X2), and profit sharing (X3) simultaneously influence interest in saving at BSI Banyuwangi with a significance value of 0.00<0.05. The Determination Coefficient value of 0.929 indicates that 92.9% of interest in saving is influenced by these three independent variables. Keywords: Service, Religiosity, Profit Sharing, Interest in Saving and Sharia Banking Abstrak: Indonesia merupakan salah satu negara dengan mayoritas penduduk beragama Islam di dunia. Seharusnya, dengan potensi demikian minat menabung di perbankan syariah peluangnya sangat luas. Namun, realitanya menunjukkan bahwa sektor perbankan konvensional memiliki pangsa pasar yang lebih dominan dibandingkan dengan perbankan syariah. Oleh karena itu, tujuan dari penelitian ini adalah untuk mengetahui pengaruh Kualitas Pelayanan (X1), Religiusitas (X2) dan Bagi Hasil (X3) secara parsial maupun simultan terhadap Minat Menabung (Y) pada Bank Syariah Indonesia Banyuwangi. Penelitian ini merupakan penelitian kuantitatif dengan data primer yang diperoleh dari hasil penyebaran kuisioner kepada 40 orang yang menabung di Bank Syariah Indonesia. Teknik pengambilan sampel menggunakan Simple Random Sampling. Hasil uji t menunjukkan Kualitas Pelayanan (X1), Religiusitas (X2) dan Bagi Hasil (X3) secara parsial berpengaruh signifikan terhadap minat menabung di BSI Banyuwangi, dengan nilai signifikansi 0,02; 0,03; 0,02<0,05. Hasil uji F diketahui secara simultan Kualitas Pelayanan (X1), Religiusitas (X2), dan Bagi Hasil (X3) berpengaruh terhadap Minat Menabung di BSI Banyuwangi dengan nilai signifikansi 0,00<0,05. Nilai Koefisien Determinasi sebesar 0,929 menunjukkan bahwa 92,9% minat menabung dipengaruhi oleh ketiga variabel independen tersebut. Kata Kunci: Kualitas Pelayanan, Religiusitas, Bagi Hasil, Minat Menabung dan Bank Syariah Abdul,H. (2018) Pengaruh Pengetahuan, Kualitas Pelayanan, Produk, dan Religiusitas terhadap Minat Nasabah untuk Menggunakan Produk Simpanan pada Lembaga Keuangan Mikro Syariah, Jurnal Ilmiah Ekonomi Islam, 138-142 Akhmad, D. (2019). Analisis Faktor-Faktor Yang Mempengaruhi Minat Nasabah Menabung Di Bank Jateng Syariah, Jurnal Fokus Bisnis, 44-46 Annisa. L., dkk (2021). Analisis Faktor Pendorong Minat Nasabah Dalam Memilih Tabungan Haji Di Bank Syariah Mandirikantor Cabang Aceh. J-EBIS (Jurnal Ekonomi dan Bisnis Islam) Vol. 6 Astuti, I. R., dkk. (2020). Faktor-Faktor yang Mempengaruhi Minat Menabung di Bank Syariah Surakarta. BIEJ: Business Innovation & Entrepreneurship Journal. Vol. 2 (3), 167-172 Moenir. (2015). Manajemen Pelayanan Umum Di Indonesia.Cetakan Kesebelas. Jakarta: Bumi Aksar, Hlm 16-17. Muhammad. (2012). “Kebijakan Fiskal dan Moneter dalam Ekonomi Islam.” Jakarta: Salemba empat Mujaddid. F. & Pandu Tezar Adi Nugroho (2019). Pengaruh Pengetahuan, Reputasi, Lingkungan Dan Religiusitas Terhadap Minat Pelajar Sekolah Menengah Kejuruan Prodi Perbankan Syariah dalam Menabung Di Bank Syariah. Jurnal Ekonomi Islam. Vol. 10 (1). 14-37 Nisak, Arifatun, Saryadi dan Sri Suryoko. (2012). Pengaruh Kelompok Acuan dan Pengetahuan Tentang Perbankan Syari’ah Terhadap Minat Menabung di Perbankan Syari’ah Semarang. ejournal-s1.undip.ac.id Romdhoni, A. H., & Sari, D. R. (2018). Pengaruh Pengetahuan, Kualitas Pelayanan, Produk, dan Religiusitas terhadap Minat Nasabah untuk Menggunakan Produk Simpanan pada Lembaga Keuangan Mikro Syariah. Jurnal Ilmiah Ekonomi Islam, 4(02), 136. https://doi.org/10.29040/jiei.v4i02.307 Roni, A. (2017). Faktor-Faktor Yang Mempengaruhi Minat Nasabah dalam Menabung di Bank Syariah. Jurnal Lembaga Keuangan dan Perbankan. 43-46 Roni, A. (2019). Pengaruh Bagi Hasil Terhadap Minat Nasabah Pada Tabungan BSM di Bank Syariah Mandiri Muara Bungo. NUR EL-ISLAM : Jurnal Pendidikan Dan Sosial Keagamaan, 6(2), 14–36 Shiliha. E. (2022). Pengaruh Pandangan Islam, Pelayanan, Dan Keamanan Terhadap Minat Nasabah Untuk Menabung Di Bank Syariah Islam (Bsi) Cabang Lahat. MOTIVASI Jurnal Manajemen dan Bisnis Volume 7 (1) Sugiyono. (2016). Metodologi Penelitian Kuantitatif, kualitatif, dan R&D. Bandung: ALFABETA
Implementing Mudharabah and Musharakah Contracts in the Eid Savings Scheme at BMT Al-Yaman Banyuwangi Elfa Miftahul Jannah; Mira Ustanti
ICO EDUSHA Vol. 6 No. 1 (2025): Proceedings of International Conference On Islam Educationm Management and Shar
Publisher : STAI AN-NAJAH INDONESIA MANDIRI

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This study aims to analyze the implementation mechanism and sharia compliance of the mudharabah musyarakah contract in the Simpanan Hari Raya (Holiday Savings) product at BMT Al-Yaman Banyuwangi. Using a descriptive qualitative approach, data were collected through interviews, observation, and document analysis. The results indicate that the product employs a combined mudharabah musyarakah scheme, with members as capital owners (shahibul maal) and the BMT as both manager (mudharib) and capital participant. The implementation mechanism encompasses member registration, contract explanation, profit-sharing ratio determination, routine deposits, and fund management within a halal, low-risk financing portfolio. Profit distribution occurs before religious holidays in cash or in-kind. The contract application adheres to sharia principles, including transparency, clear profit-sharing, no upfront fixed profit guarantee, and the use of funds for halal activities. The study concludes that while sharia principles are met, enhancing member education and strengthening risk management are crucial for the contract's sustainability. These findings support prior research on the effectiveness of mudharabah musyarakah in Islamic microfinance savings products. Keywords : mudharabah musyarakah, holiday savings, BMT, profit sharing.  
Digital Amanah: Enhancing Member Service Quality in BMT through UGT MOBILE Application Dea Yasmita Ananda Sari; Khoirini Siva’a Qolbina; Ustanti, Mira
ICO EDUSHA Vol. 6 No. 1 (2025): Proceedings of International Conference On Islam Educationm Management and Shar
Publisher : STAI AN-NAJAH INDONESIA MANDIRI

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Abstract

This research investigates how service digitalization through the UGT Mobile platform contributes to enhancing the quality of member services in BMT UGT Nusantara, Purwoharjo Branch, within the framework of Islamic microfinance. The study further examines the key barriers encountered during implementation and proposes strategic, sharia-compliant solutions to address them. Using a qualitative case study approach, data were collected via in-depth interviews with the Branch Manager, digital service officers, an Islamic marketing specialist, and active users. Findings reveal that UGT Mobile has substantially improved service quality in four core aspects of digital performance: efficiency reflected in reduced waiting times; reliability evident in system consistency and real-time notifications; system availability through 24-hour accessibility; and privacy ensured via multi-layered data protection.This enhancement aligns with sharia principles (amanah, ihsan, hifz al-mal). Key constraints were low digital literacy among some members (especially the elderly) and limited internet infrastructure. Effective solutions included "outreach" educational approaches, personal assistance, and a hybrid service model. Ultimately, the study concludes that the success of digital transformation in Islamic microfinance institutions relies not only on the technological robustness of applications but equally on educational and value-based engagement strategies that reinforce Islamic ethical frameworks Keywords: Service Digitalization, UGT Mobile, Service Quality, BMT, Digital Literacy, Islamic Finance, Case Study.