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PERBEDAAN PERSEPSI, KEPERCAYAAN DAN LOYALITAS NASABAH DALAM INDUSTRI PERBANKAN Andespa, Roni
Imara: JURNAL RISET EKONOMI ISLAM Vol 2, No 1 (2018): IMARA: JURNAL RISET EKONOMI ISLAM
Publisher : IAIN Batusangkar

AbstractThis article has the theme: "Sharia Business Management". The purpose of this research is to see the difference between perception, trust and loyalty of conventional bank customers with sharia bank customers in West Sumatera on attributes of deposit products and loan products. This research was conducted in West Sumatera. The research variables are customer perception, customer trust and customer loyalty. The sample is 250 conventional bank customers and 250 sharia bank customers. Analysis of research data using independent samples t-test. The result of research are: 1) There is difference of perception between conventional bank customer with syariah bank to attribute of product, 2) There is difference of trust between conventional bank customer and syariah bank to product attribute 3) There is difference of loyalty between conventional bank customer with sharia banks against product attributes.Keywords: Customer perception, Customer trust, Customer loyalty, Product attributes

Shaping the Future of Sharia Banking: Engaging Customers through Innovative Services in Padang, Indonesia Alganel, Nadya; Fadhlan, Abdi; Andespa, Roni
Al Urwah : Sharia Economics Journal Vol. 1 No. 2: Innovating Islamic Finance: Service Excellence, Digital Transformation, and Ethical Em
Publisher : Takaza Innovatix Labs Ltd.

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.61536/alurwah.v2i01.40

This research endeavours to examine several key aspects within the context of Bank Syariah Indonesia Kota Padang. The research adopts an associative approach, with a sample size comprising all customers of Bank Syariah Indonesia KK UNP totalling 3500 individuals. The analysis utilizes Partial Least Square (PLS) through SmartPLS 3.2.9 software to scrutinize hypotheses. The findings affirm the positive and significant impact of service innovation on customer decisions and the company's reputation, as well as the mediating role of the company's reputation. The study suggests that future research could explore additional variables or recent errors in BSI services to broaden the understanding of challenges and opportunities in the banking sector.

Pengaruh Religiusitas dan Word of Mouth terhadap Keputusan Berkunjung Wisatawan Adif, Riandy Mardhika; Suseno, Pandu Vidi Widyastana; Andespa, Roni
Jurnal Informatika Ekonomi Bisnis Vol. 6, No. 1 (March 2024)
Publisher : SAFE-Network

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.37034/infeb.v6i1.839

Indonesia is rich in old buildings that are rich in historical value, one of which is the history of the arrival of Islam to Indonesia, and has enormous potential to continue to be developed in the tourism sector, especially religious tourism. Surau Tuo Taram religious tourism is one of the tourist destinations with a religious theme. which contains the grave of Sheikh Ibrahim Mufti, the founder of the first surau in Taram. Surau Tuo Taram religious tourism is much sought after by tourists within and outside the province. Surau Tuo Taram Tourism is located in Taram, Harau District, Limapuluh Kota Regency. Most tourists who visit know about Surau Tuo Taram from Word of Mouth or word of mouth. However, there are still many tourists who go to Surau Tuo Taram just to take photos or just enjoy the calm atmosphere around Surau Tuo. This research aims to determine the influence of religiosity on tourists' decision to visit the Surau Tuo Taram religious tourism site and to determine the influence of word of mouth on tourists' decision to visit the Surau Tuo Taram religious tourism site. This research uses a quantitative approach method using questionnaires and direct observation at Surau Tuo Taram. The results of this research show that the religiosity variable (X1) has a positive and significant effect on tourists' visiting decisions (Y) to the Surau Tuo Taram Payakumbuh religious tourism site. This shows that the level of religiosity has an impact on the decision to visit. The results of research on the Word of Mouth variable (X2) show that Word of Mouth has a positive and significant influence on tourists' visiting decisions (Y) to the Surau Tuo Taram Payakumbuh religious tourism site. This shows that Word of Mouth is the cause of tourists being interested in visiting the Surau Tuo Taram Payakumbuh religious tourism which will then have an impact on the decision to visit.

Determinant Analysis of MSE Owners' Interest in Islamic Banking Financing in Kenagarian Kinari: A Confirmatory Factor Analysis Approach Adif, Riandy Mardhika; Andespa, Roni; Naldi, Ool
Li Falah: Jurnal Studi Ekonomi dan Bisnis Islam Vol 1, No 1 (2024): Special Edition: International Conference on Islamic Economics (ICOIE)
Publisher : Institut Agama Islam Negeri Kendari

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.31332/lifalah.v1i1.10244

This study examines the factors influencing Micro and Small Enterprise (MSE) owners' interest in accessing Islamic banking financing in Kenagarian Kinari. Using a quantitative approach and Confirmatory Factor Analysis (CFA), the research involved 89 MSE owners who had not yet accessed Islamic bank financing. The analysis identified ten key factors influencing MSE owners' interest: social factors (27.393%), location (8.879%), marketing mix (7.033%), promotion (5.868%), cultural (5.018%), product (4.473%), procedural (3.930%), personal (3.490%), belief (3.232%), and psychological factors (3.053%). Notably, social factors, encompassing group recommendations, family encouragement, and work environment influence, emerged as the most dominant determinant with the highest loading factor. This research provides significant contributions to developing Islamic banking strategies in reaching the MSE segment and enhancing Islamic financial inclusion at the village level.

Determinant Analysis of MSE Owners' Interest in Islamic Banking Financing in Kenagarian Kinari: A Confirmatory Factor Analysis Approach Adif, Riandy Mardhika; Andespa, Roni; Naldi, Ool
Li Falah: Jurnal Studi Ekonomi dan Bisnis Islam Vol. 1 No. 1 (2024): Special Edition: International Conference on Islamic Economics (ICOIE)
Publisher : Institut Agama Islam Negeri Kendari

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.31332/lifalah.v1i1.10244

This study examines the factors influencing Micro and Small Enterprise (MSE) owners' interest in accessing Islamic banking financing in Kenagarian Kinari. Using a quantitative approach and Confirmatory Factor Analysis (CFA), the research involved 89 MSE owners who had not yet accessed Islamic bank financing. The analysis identified ten key factors influencing MSE owners' interest: social factors (27.393%), location (8.879%), marketing mix (7.033%), promotion (5.868%), cultural (5.018%), product (4.473%), procedural (3.930%), personal (3.490%), belief (3.232%), and psychological factors (3.053%). Notably, social factors, encompassing group recommendations, family encouragement, and work environment influence, emerged as the most dominant determinant with the highest loading factor. This research provides significant contributions to developing Islamic banking strategies in reaching the MSE segment and enhancing Islamic financial inclusion at the village level.

Hajj Fund Investment Management in Indonesia Hulwati, Hulwati; Andespa, Roni; Mujiono, Slamet
At-tijaroh: Jurnal Ilmu Manajemen dan Bisnis Islam Vol 8, No 1 (2022): JUNI 2022
Publisher : Universitas Islam Negeri Syekh Ali Hasan Ahmad Addary Padangsidimpuan

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.24952/tijaroh.v8i1.5189

Does the management of investment in Hajj funds in Indonesia impact the economy and welfare of the pilgrims in Indonesia? This study aims to see how the management of hajj funds in Indonesia. This research is motivated by the phenomenon of Hajj funds' investment management pattern that is applied in Indonesia. The location of this research is in Indonesia, where most of the population is Muslim. This study uses a qualitative approach. Data collection techniques used are through interviews and documentation. Interviews were conducted with the Hajj fund manager at the Indonesian Ministry of Religion, the Badan Pengelola Keuangan Haji (BPKH), and Bank Syariah Mandiri. Hajj funds managed by BPKH are placed on deposits and investments in securities. BPKH has now developed a hajj fund, and the investment returns positively impact the welfare of the hajj. The management of hajj funds through investment is the right way to benefit the congregation and for the welfare and benefit of the congregation during the pilgrimage. The return on investment is a government subsidy for pilgrims or covers the difference between the total cost of organizing the pilgrimage and the deposit paid by prospective pilgrims to the government. Pilgrims themselves can feel the subsidies provided through the management of hajj funds.

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