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All Journal Indonesian Journal of Business and Entrepreneurship (IJBE) Laa Maisyir Jurnal Ekonomi Islam JSEH (Jurnal Sosial Ekonomi dan Humaniora) Falah : Jurnal Ekonomi Syariah Tansiq: Jurnal Manajemen dan Bisnis Islam KEUNIS Al-Mustashfa Law and Justice Jurnal Ilmiah Ekonomi Islam Economica: Jurnal Ekonomi Islam al-Uqud : Journal of Islamic Economics al-Afkar, Journal For Islamic Studies QARDHUL HASAN: MEDIA PENGABDIAN KEPADA MASYARAKAT JMM UNRAM (Jurnal Magister Manajemen Universitas Mataram) PengabdianMu: Jurnal Ilmiah Pengabdian kepada Masyarakat JESI (Jurnal Ekonomi Syariah Indonesia) JCRS (Journal of Community Research and Service) Amwaluna Jurnal Ekonomi dan Keuangan Syariah Jurnal Ecoment Global: Kajian Bisnis dan Manajemen LAN TABUR: Jurnal Ekonomi Syari’ah Al-Kharaj: Jurnal Ekonomi, Keuangan & Bisnis Syariah SOSIOEDUKASI : JURNAL ILMIAH ILMU PENDIDIKAN DAN SOSIAL Journal of Sustainable Community Development (JSCD) Jurnal Iqtisaduna Talaa : Journal of Islamic Finance el-Jizya: Jurnal Ekonomi Islam Jurnal Riset Ekonomi Syariah Bandung Conference Series : Sharia Economic Law Bandung Conference Series : Syariah Banking Journal of Islamic Economics and Business Jurnal Ekonomi Syariah Indonesia Jurnal Riset Perbankan Syariah Amwaluna: Jurnal Ekonomi dan Keuangan Syariah Tasharruf : Journal of Islamic Economics and Business LAN TABUR: JURNAL EKONOMI SYARIAH Al-Mustashfa: Jurnal Penelitian Hukum Ekonomi Syariah Economics and Digital Business Review
Popon Srisusilawati
Universitas Islam Badung
Religion Agriculture, Biological Sciences & Forestry Humanities Decision Sciences, Operations Research & Management Economics, Econometrics & Finance Education Environmental Science Languange, Linguistic, Communication & Media Law, Crime, Criminology & Criminal Justice Public Health Social Sciences Other

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Transparansi Margin Murabahah, Keadilan, dan Kepercayaan Nasabah KPR Syariah Attari Najla; Popon Srisusilawati; Irma Yulita Silviany
Bandung Conference Series: Syaria Banking 137-146
Publisher : UPT Publikasi Ilmiah UNISBA

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.29313/bcssb.v5i2.24784

Abstract

Abstract. This study aims to analyze the effect of Murabahah Financing Margin Information Transparency on Customer Trust through Perceived Fairness as a mediating variable among Sharia Mortgage (KPR Syariah) customers at Bank Syariah Indonesia (BSI) KCP Bandung Dago. The study was motivated by the increasing number of Sharia Mortgage customers, which has not been fully accompanied by customers' understanding of murabahah financing margin components, potentially affecting perceived fairness and customer trust. This study employed a quantitative method with an associative approach. The population consisted of 260 active Sharia Mortgage customers, with a minimum sample of 73 respondents determined using the Slovin formula, while 88 valid questionnaires were analyzed. Data were analyzed using Partial Least Squares Structural Equation Modeling (PLS-SEM) with SmartPLS 4.0. The results indicate that Murabahah Financing Margin Information Transparency has a positive and significant effect on Customer Trust (0.460) and Perceived Fairness (0.608). Perceived Fairness also has a positive and significant effect on Customer Trust (0.389) and partially mediates the effect of transparency on trust (0.236). These findings confirm the importance of margin information transparency in strengthening perceived fairness and customer trust in Islamic banking. Abstrak. Penelitian ini bertujuan menganalisis pengaruh Transparansi Informasi Margin Pembiayaan Murabahah terhadap Kepercayaan Nasabah melalui Persepsi Keadilan sebagai variabel mediasi pada nasabah KPR Syariah Bank Syariah Indonesia (BSI) KCP Bandung Dago. Penelitian dilatarbelakangi oleh meningkatnya jumlah nasabah KPR Syariah yang belum sepenuhnya diiringi pemahaman mengenai komponen margin pembiayaan murabahah, sehingga berpotensi memengaruhi persepsi keadilan dan kepercayaan nasabah. Penelitian menggunakan metode kuantitatif dengan pendekatan asosiatif. Populasi berjumlah 260 nasabah aktif, dengan sampel minimum 73 responden berdasarkan rumus Slovin, sedangkan data yang diolah berasal dari 88 kuesioner valid. Analisis dilakukan menggunakan Partial Least Squares Structural Equation Modeling (PLS-SEM) dengan SmartPLS 4.0. Hasil penelitian menunjukkan bahwa Transparansi Informasi Margin Pembiayaan Murabahah berpengaruh positif dan signifikan terhadap Kepercayaan Nasabah (0,460) dan Persepsi Keadilan (0,608). Persepsi Keadilan juga berpengaruh positif terhadap Kepercayaan Nasabah (0,389) serta memediasi secara parsial pengaruh transparansi terhadap kepercayaan (0,236). Temuan ini menegaskan pentingnya transparansi informasi margin dalam meningkatkan persepsi keadilan dan kepercayaan nasabah pada perbankan syariah.
Pengaruh Herding Behavior, Fluktuasi Harga Emas, dan Literasi Keuangan terhadap Minat Investasi Emas Hernawati Hernawati; Zaini Abdul Malik; Popon Srisusilawati
Bandung Conference Series: Syaria Banking 209-216
Publisher : UPT Publikasi Ilmiah UNISBA

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.29313/bcssb.v5i2.25659

Abstract

Abstract. Economic uncertainty and the growing trend of gold investment have encouraged people to choose relatively safe investment instruments, one of which is Bank Syariah Indonesia's (BSI) Gold Installment (Cicil Emas) product. However, the significant national growth of this product has not been reflected in its level of utilization at BSI KCP Soreang. This study aims to analyze the influence of herding behavior, gold price fluctuations, and financial literacy on customers' interest in investing in the BSI Gold Installment product at BSI KCP Soreang. This research employed a quantitative method with customers of BSI KCP Soreang as the research object. Primary data were collected through questionnaires distributed to 100 respondents selected using purposive sampling. After outlier treatment, the final dataset consisted of 92 respondents. Data were analyzed using IBM SPSS Statistics through validity testing, reliability testing, classical assumption tests, multiple linear regression analysis, the coefficient of determination, the F-test, and the t-test. The results indicate that herding behavior, gold price fluctuations, and financial literacy have a positive and significant effect on customers' interest in investing in the BSI Gold Installment product, both partially and simultaneously. Financial literacy was found to be the most dominant influencing variable. These findings suggest that increasing customers' interest in the BSI Gold Installment product requires strengthening financial literacy, providing transparent information on gold prices, and implementing marketing strategies that leverage social influence. Future research is recommended to expand the scope of the research object and incorporate additional relevant variables to obtain more comprehensive findings. Abstrak. Ketidakpastian ekonomi serta meningkatnya tren investasi emas mendorong masyarakat untuk memilih instrumen investasi yang relatif aman, salah satunya melalui produk Cicil Emas BSI. Namun, tingginya pertumbuhan produk secara nasional belum sejalan dengan tingkat penggunaan produk Cicil Emas di BSI KCP Soreang. Penelitian ini bertujuan menganalisis pengaruh herding behavior, fluktuasi harga emas, dan literasi keuangan terhadap minat investasi Cicil Emas pada nasabah BSI KCP Soreang. Penelitian menggunakan metode kuantitatif dengan objek penelitian nasabah BSI KCP Soreang. Data diperoleh dari sumber primer melalui penyebaran kuesioner kepada 100 responden yang dipilih menggunakan teknik purposive sampling. Setelah dilakukan penanganan outlier, data yang dianalisis berjumlah 92 responden. Analisis data dilakukan menggunakan IBM SPSS Statistics melalui uji validitas, uji reliabilitas, uji asumsi klasik, analisis regresi linear berganda, koefisien determinasi, uji F dan uji t. Hasil penelitian menunjukkan bahwa herding behavior, fluktuasi harga emas, dan literasi keuangan berpengaruh positif dan signifikan terhadap minat investasi Cicil Emas, baik secara parsial maupun simultan. Literasi keuangan merupakan variabel yang memiliki pengaruh paling dominan. Penelitian ini menunjukkan bahwa peningkatan minat investasi Cicil Emas memerlukan penguatan literasi keuangan, penyediaan informasi harga emas yang transparan, serta strategi pemasaran yang memanfaatkan pengaruh sosial. Penelitian selanjutnya disarankan memperluas objek penelitian dan menambahkan variabel lain yang relevan agar diperoleh hasil yang lebih komprehensif.
Pengaruh Persepsi, Kepercayaan, dan Intensi Perilaku terhadap Keputusan Mengakses Bank Syariah Aulia Safira Maulida; Zaini Abdul Malik; Popon Srisusilawati
Bandung Conference Series: Syaria Banking 113-120
Publisher : UPT Publikasi Ilmiah UNISBA

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.29313/bcssb.v5i2.24564

Abstract

Abstract. This study examines the effect of perception and trust on the decision to access Islamic banks, with behavioral intention as a mediating variable, among micro and small entrepreneurs at the Binong Jati Knitting Center (Sentra Industri Rajut Binong Jati/SIRBJ) in Bandung. A pre-survey found that although most respondents already trusted Islamic banking institutions, only 6.7% actually accessed Islamic bank services, while 80% still relied on conventional banks. This study uses a quantitative method with a case study approach. Primary data were collected through a five-point Likert-scale questionnaire distributed to 67 respondents determined using purposive sampling and the Slovin formula then analyzed using Partial Least Squares Structural Equation Modeling (PLS-SEM) with SmartPLS 4.1.1.8. The results show that perception has a positive and significant effect on both behavioral intention and the decision to access Islamic bank). In contrast, trust does not significantly affect behavioral intention or the decision. Behavioral intention likewise does not significantly affect the decision and fails to mediate the effect of either perception or trust on the decision to access Islamic banks. Abstrak. Penelitian ini bertujuan untuk menganalisis pengaruh persepsi dan kepercayaan terhadap keputusan mengakses bank syariah, dengan intensi perilaku sebagai variabel mediasi, pada pelaku usaha di Sentra Industri Rajut Binong Jati (SIRBJ) Kota Bandung. Fenomena yang melatarbelakangi penelitian ini adalah hasil pra-survei yang menunjukkan bahwa meskipun sebagian besar responden telah memiliki kepercayaan terhadap bank syariah, hanya 6,7% yang benar-benar mengakses layanannya, sedangkan 80% masih bergantung pada bank konvensional. Penelitian ini menggunakan metode kuantitatif dengan pendekatan studi kasus. Data primer dikumpulkan melalui kuesioner skala Likert lima tingkat yang disebarkan kepada 67 responden yang ditentukan dengan teknik purposive sampling dan rumus Slovin, kemudian dianalisis menggunakan Structural Equation Modeling berbasis Partial Least Square (PLS-SEM) dengan bantuan aplikasi SmartPLS 4.1.1.8. Hasil penelitian menunjukkan bahwa persepsi berpengaruh positif dan signifikan terhadap intensi perilaku  maupun terhadap keputusan mengakses bank. Sebaliknya, kepercayaan tidak berpengaruh signifikan baik terhadap intensi perilaku maupun terhadap Keputusan. Intensi perilaku juga tidak berpengaruh signifikan terhadap keputusan) dan tidak mampu memediasi pengaruh persepsi maupun kepercayaan terhadap keputusan mengakses bank syariah.
Manajemen Strategik dalam Meningkatkan Daya Saing Perusahaan di Era Digital Putri Cantika Dewi; Popon Srisusilawati
Economics and Digital Business Review Vol. 6 No. 1 (2025)
Publisher : Yayasan Vifada Cendikia Indonesia

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.37531/ecotal.v6i1.2024

Abstract

This research analyzes the application of strategic management to improve the competitiveness of companies in the digital era. Rapid digital transformation changes business competition, forcing companies to adjust strategies to technological developments and market needs. The method used is a qualitative literature study, reviewing related journals, books, and articles. The results show that digital strategies, such as the use of big data, artificial intelligence, and e-commerce, can strengthen a company's competitiveness. The conclusion of this study is that effective strategic management in the digital era requires flexibility in responding to technology as well as the ability to innovate and adapt to customer needs.
Co-Authors 10010321023, Risma Junita Khaerunnisa A dliya wahyuni Aam Slamet Rusydiana Adieb Hilal Hamdala Adinda Putri Anggareini Agnia Ruslani Muftin Ahmad Ahmad Zaini, Abdul Malik dan Aisyah Shohwatul Islam Aisyah Shohwatul Islam Akbar S, Torik Akhmad Yusup Alfariedza Vania Zhafira Alfariedza Vania Zhafira Alisya Aulia Rusmana Amelia Nurhaliza Amila Vindi Oktaviana Amin Basir Amin Basir Andhiny Avrilia Rachmaningtyas Anggelia Nurfitria Anggelia Nurfitria Anisa Fitria Annisa Indrawati Anya Aurellya Arif Rijal Anshori Asep Ramdan Hidayat Asri Dara Binekas Atih Rohaeti Dariah Attari Najla Aulia Safira Maulida Ayu Tuty Utami Azka Dara Syahrani Cecep Soleh Kurniawan Cecep Soleh Kurniawan Cinta Auly Salzabilla Suherlan D. Gandana Madjakusumah Darman Puja Kurniawan Deden Gandana Madjakusumah Delia Dwiyanti Hasanah Dian Meliza Diana Rusdianawati Diandra Nur Afifah Azzahra Dita Rosyalita Elisa Siti Widyastuti Eva Fauziah Eva Misfah Bayuni Fahmi Fatwa Rosyadi Satria Hamdani Faisa Azmi Firjatullah Fakhri Ahmad Zainunnuri Farha Ratu Sabila Farhan Hilal Fayza Ikhrom Febriadi, Sandy Rizki Fitri Oktaviani Fitriana Wulandari Zulkarnaen Ghefira Faiza Azzahra Ghina Syifa Agustina Gina Nugrahawati Gina Sofia Rahman Habibi Nurul Yaqin Hagi Andhika Hana Khairunnisa Hernawati Hernawati Ibrahim, Mohammad Andri Ifa Hanifa Senjati Iik Juniartinur Ikrima Azkury Nabella Ilham Mujahid Imelda Putri Intan Manggala Wijayanti Intan Nurrachmi Ira Siti Rohmah Maulida Irma Yulita Silviany Irma Yunita Silviany Isfi Rizka Pitsyahara Ivan Wahyudi Iwan Permana Jessinta Shilva Bintan Namita Jiwa Riwayanti Kayla Maritza Hanafi Kurniawan, Cecep Soleh lia yulia Lia Yulia Malik, Zaini Maman Surahman Milka Nurul Fauziah Moh Ramdhan Rizalussani Mohamad Andri Ibrahim Mohammad Andri Ibrahim Muawia Y.I. Alzamli Muchammad Oki Sudarman Muhammad Amidan As Syakir Muhammad Andri Ibarahim Muhammad Arya Naufal Saleh Muhammad Gandhi Darmawan Muhammad Rafli Akbar Muhammad Rifqy Prabowo Mutiara Olencia Indra Nadya Az-zahra Nadya Az-Zahra Nahla Aulia Azzahra Nandang Ihwanudin Nanik Eprianti Neli Erlianti Nendiarti Juniar Neneng Hasanah Neneng Nurhasanah Neng Dewi Himayasari Nur Fadilah Sukmawardani Nur Hamidah, Siti Aulia Nurfitria, Anggelia Nymas Mu’nisah Anggraeni Nymas Mu’nisah Anggraeni OKTAVIA, REZA Panji Adam Agus Putra Permana, Iwan Prasetyo, Salma Nabila Putri Cantika Dewi Putri Diani Hardianti Putri, Imelda R. Ilfan Muhammad Abdurrasyid Raden Rahma Raijani Raditya Gantari Ahmad Riyadi Rahmadani, Yunifa Rahmah, Luni Nur Ramdan Fawzi Randi Ganjar Rani, Asni Mustika Ratih Tresnati Redi Hadiyanto Reyhan Maharis Fadilah Reyhan Maharis Fadilah Reza Fauzia Tarende Reza Naftali Rahmayosa Rihhadatull 'Aisy, Raisa Adila Rima Karnipa Agusti Riska Ariani Siregar Risma Mustika Fajaria Rita Mustika Rois, Yovanka Graciela Rosyidah, Fairuz Syifa Sabarina Irbah Safira Muthia Rosyid Salma Hayfa Victoria Sartika Herawati Selly Eriska Selva Selfia Ginanjar Shafa Luthfiah Nurlaeli Shakila Carisya Tsania Siregar, Ariani Siska Lis Sulistiani Siti Karomah Nuraeni Siti Rosiyana Dewi Siti, Elisa Sri Devi, Sri Sri Dewi Miladiyah Suci Rahmadani Syifa Tahany, Tahany Tiara Deasy Nurfitriani Sumarwan Tiara Marliana Tiara Marliana Tiya Rissa Kamila Tiya Rissa Kamila Torik Akbar S. Tri Ambarwati Vina Fazri Aryani Wahyudi, Ivan Winda Widya Rahma Yayat Rahmat Hidayat Zea Fauziah Zia Firdaus Nuzula