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All Journal Al-Mizan (e-Journal) Jurnal Ilmiah Ekonomi Islam
Riski Eka Lestari
Universitas Islam Negeri Syarif Hidayatullah Jakarta
Religion Humanities Economics, Econometrics & Finance Law, Crime, Criminology & Criminal Justice Social Sciences

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Kerangka Regulasi dan Fatwa Transaksi Akad Hawalah Pada Perbankan Syariah Nofrianto; Dhiyaa Meuthia Faiqah Erba; Riski Eka Lestari; Muhammad Raja Perkasa Alam Harahap
Al-Mizan (e-Journal) Vol. 18 No. 1 (2022): Al-Mizan (e-Journal)
Publisher : Lembaga Penelitian dan Pengabdian Kepada Masyarakat Institut Agama Islam Negeri Sultan Amai Gorontalo

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.30603/am.v18i1.2544

Abstract

Profit and loss is something that will be encountered in the business world. If there is a loss, one form of conception is the transfer of debt. This study aims to determine the application of the concept of debt transfer in Islam and its regulatory framework. The results of the study found that the transfer of a debt in Islam is known as hawalah. Hawalah is the transfer of debt or receivables from the creditor to the guarantor for repayment of the debt. The concept of hawalah is to transfer debt from muhil as the first debtor to the muhal'alaih as the second debtor. The application of hawalah in the world of Islamic banking consists of hawalah muqayaddah and hawalah mutlaqah. In addition, several regulations were found in the form of fatwas, but the rules of the hawalah’s fatwa still need to be studied further regarding their application in the service activities of Islamic finance companies.
Pengaruh Marketing Mix 5Cs Terhadap Loyalitas Nasabah Melalui Kepuasan Nasabah Bank Syariah Indonesia Tangerang Selatan Riski Eka Lestari; Endah Meiria; Desmadi Saharuddin
Jurnal Ilmiah Ekonomi Islam Vol 9, No 3 (2023): JIEI : Vol.9, No.3, 2023
Publisher : ITB AAS INDONESIA Surakarta

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.29040/jiei.v9i3.8622

Abstract

This study aims to analyze the Effect of Marketing Mix 5Cs (Conformity, Character, Commitment, Conscience and Customer Centrism) on Customer Loyalty through Customer Satisfaction of BSI South Tangerang. This research is a quantitative study using Multiple Linear Regression and Sobel Test through Microsoft Excel 2010 and SPSS version 26. The population of this research is BSI South Tangerang customers, 100 respondents were taken as a sample using purposive sampling technique. The results showed that the 5Cs Marketing Mix simultaneously had a significant effect on customer satisfaction and there was a significant effect on customer loyalty. Partially, Conformity has a positive and significant effect on Customer Satisfaction, while Character, Commitment, Conscience and Customer Centrism have no significant effect. Likewise Commitment and Customer Satisfaction have a positive and significant effect on Customer Loyalty, while Conformity, Character, Conscience and Customer Centrism have no significant effect. The results of the Sobel test show that Customer Satisfaction as an intervening variable is able to mediate Conformity to Customer Loyalty, while Character, Commitment, Conscience and Customer Centrism to Customer Loyalty are unable to be mediated by Customer Satisfaction. So this shows that the 5Cs Marketing Mix of Bank Syariah Indonesia (BSI) South Tangerang is quite satisfying but has not been able to increase customer loyalty. Therefore BSI must improve the quality of service to customer needs.
Co-Authors Desmadi Saharuddin Dhiyaa Meuthia Faiqah Erba Endah Meiria Muhammad Raja Perkasa Alam Harahap Nofrianto Nofrianto