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All Journal IQTISHADUNA: Jurnal Ekonomi dan Keuangan Islam JURNAL PENDIDIKAN IPS
Sanurdi Sanurdi
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Humanities Economics, Econometrics & Finance Education Law, Crime, Criminology & Criminal Justice Social Sciences

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The Efffect of Financial Ratio on Profitability with NOM and GWM as Moderating Factors of Banking Financial Ratios ( Study at NTB Syariah Bank) AZHAR SHAFIIN AZHAR SHAFIIN; Ahmad Amir Aziz; Sanurdi Sanurdi
IQTISHADUNA Vol. 14 No. 1 (2023): IQTISHADUNA: JURNAL EKONOMI DAN KEUANGAN ISLAM
Publisher : UIN Mataram

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.20414/iqtishaduna.v14i1.6780

Abstract

Profitability ratio is the main ratio in measuring the achievement of banking performance.Profitability ratio is influenced by several other ratios such as CAR, FDR, BOPO and NPF. Thisstudy examines and analyzes the effect of Capital Adequacy Ratio (CAR), Financing to DepositRatio (FDR), Operating Expenses to Operating Income (BOPO) and Non Performing Financing(NPF) on the profitability of PT Bank NTB Syariah with NOM (Net Operating Margin) andMinimum Reserve Requirement (GWM) as moderating. This research is a quantitative study thatwants to reveal the effect of financial ratios on profitability. The data used is the publication reportdata of PT Bank NTB Syariah for the period 2019 to 2021. The data analysis technique in thisstudy used Partial Least Square (PLS). The results showed that CAR, BOPO, NPF had nosignificant and negative effect on ROA as indicated by the P value of 0.212, 0.505 and 0.360respectively, while FDR had a significant and positive effect on ROA as indicated by a P value of0.000. For moderator variables, namely GWM and NOM, both have no significant effect inmoderating the FDR and BOPO variables, indicated by the P value of 0.988 and 0.589,respectively.
The The Role of Islamic Financial Institutions in Women's Economic Empowerment Ayu Karisma; Mohamad Abdun Nasir; Sanurdi Sanurdi
JURNAL PENDIDIKAN IPS Vol 15 No 2 (2025): JURNAL PENDIDIKAN IPS
Publisher : STKIP Taman Siswa Bima

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Abstract

Women's economic empowerment still faces various challenges, especially in developing countries and Muslim communities. Islamic financial institutions (IFIs) offer a promising alternative with sharia principles that prohibit usury and emphasize profit-sharing and partnership systems. This study aims to explore the role of IFIs in supporting women's economic empowerment by providing access to sharia-based financing such as murabahah and musyarakah, business training and mentoring, group savings systems, and financial protection products such as takaful. The methodology used is a descriptive qualitative approach with data collection through in-depth interviews and literature studies. Data analysis was conducted to identify the contribution of IFIs to increasing the economic capacity of women, especially micro, small, and medium enterprises (MSMEs). The results of the study indicate that IFIs have significant potential in supporting women's economic independence, which has an impact on improving family welfare and strengthening the economic structure of society. This study also found opportunities for IFIs development through financial product innovation that is responsive to women's needs and the use of technology to expand the reach of services. In conclusion, efforts to empower women's economy through IFIs need to continue to be developed strategically in order to realize inclusive and sustainable economic development.
The Effect of Islamic Service Quality and Mobile Banking Features on Customer Loyalty with Satisfaction as an Intervening Variable: A Study of Customers of NTB Syariah Bank Kistiqul Aprilianti; Sanurdi Sanurdi
JURNAL PENDIDIKAN IPS Vol. 15 No. 1 (2025): JURNAL PENDIDIKAN IPS
Publisher : STKIP Taman Siswa Bima

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.37630/jpi.v15i1.2259

Abstract

The objective of this research was to analyze the influence of Islamic service quality and mobile banking features on customers’ loyalty with satisfaction as an intervening variable (study on the customers of Bank NTB Syariah). This research was conducted at Bank NTB Syariah which is located at Jl. Udayana, Dasan Agung Mataram NTB. The background of this research was based on the growth and development of banks based on sharia so that they experienced fierce competition, especially in the service quality based on sharia, along with the technology development, Islamic banks also have services in the form of sharia mobile banking, with various features on it. The research method used in this research was quantitative method. The data collection technique used questionnaire distributed to the customers of Bank NTB Syariah consisting of 96 customers who have mobile banking and have made at least 3 transactions. Data analysis was carried out by using SPPS 21 to test the validity, reliability, and significance among variables. The results of this research showed that Islamic service quality and mobile banking features of Bank NTB Syariah had significant influences on the customers’ loyalty and customers’ satisfaction. Customers’ loyalty had significant influences on the customers’ satisfaction and Islamic service quality and mobile banking features influenced customers’ loyalty through customers’ satisfaction as an intervening variable.
The The Role of Islamic Financial Institutions in Women's Economic Empowerment Ayu Karisma; Mohamad Abdun Nasir; Sanurdi Sanurdi
JURNAL PENDIDIKAN IPS Vol. 15 No. 2 (2025): JURNAL PENDIDIKAN IPS
Publisher : STKIP Taman Siswa Bima

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

Abstract

Women's economic empowerment still faces various challenges, especially in developing countries and Muslim communities. Islamic financial institutions (IFIs) offer a promising alternative with sharia principles that prohibit usury and emphasize profit-sharing and partnership systems. This study aims to explore the role of IFIs in supporting women's economic empowerment by providing access to sharia-based financing such as murabahah and musyarakah, business training and mentoring, group savings systems, and financial protection products such as takaful. The methodology used is a descriptive qualitative approach with data collection through in-depth interviews and literature studies. Data analysis was conducted to identify the contribution of IFIs to increasing the economic capacity of women, especially micro, small, and medium enterprises (MSMEs). The results of the study indicate that IFIs have significant potential in supporting women's economic independence, which has an impact on improving family welfare and strengthening the economic structure of society. This study also found opportunities for IFIs development through financial product innovation that is responsive to women's needs and the use of technology to expand the reach of services. In conclusion, efforts to empower women's economy through IFIs need to continue to be developed strategically in order to realize inclusive and sustainable economic development.
The Influence of Product Innovation, Branch Network, And Informaation Technology Systems on Switching Behavior of Customers from Conventional Banks Syariah Indonesia: A Case Study in Selong District Muhtar Hafiz; Muslihun Muslihun; Sanurdi Sanurdi
JURNAL PENDIDIKAN IPS Vol. 15 No. 2 (2025): JURNAL PENDIDIKAN IPS
Publisher : STKIP Taman Siswa Bima

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.37630/jpi.v15i2.3057

Abstract

This research aims to analyze the influence of product innovation, office networks, and information technology systems on the switching behavior of conventional bank customers who switch to Bank Syariah Indonesia (Case Study in Selong District). The data used is primary data collected through questionnaires/surveys. The population in this study consists of customers of Bank Syariah Indonesia who have previously used the services of conventional banks in the Selong area, with a sample obtained from 100 respondents using purposive sampling technique. In this study, a multiple linear regression analysis method was used. The results of the partial t-test are as follows: 1) Product Innovation has a significant positive effect on the switching behavior of conventional bank customers who switch to Bank Syariah Indonesia, with a sig. value of 0.000>0.05. 2) Office Network does not affect the switching behavior of conventional bank customers who switch to Bank Syariah Indonesia, with a sig. value of 0.559>0.05. 3) Information Technology System has a significant negative effect on the switching behavior of conventional bank customers who switch to Bank Syariah Indonesia, with a sig. value of 0.05=0.05. The F test (sim elevated) shows that product innovation, office network, and information technology system collectively affect the switching behavior of conventional bank customers who switch to Bank Syariah Indonesia in the Selong District. Of the three variables, the one that most dominantly influences switching behavior is the product innovation variable.
Co-Authors Ahmad Amir Aziz Ayu Karisma AZHAR SHAFIIN AZHAR SHAFIIN Kistiqul Aprilianti Mohamad Abdun Nasir Muhtar Hafiz MUSLIHUN MUSLIHUN