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All Journal el-Jizya: Jurnal Ekonomi Islam Al-Kharaj: Jurnal Ekonomi, Keuangan & Bisnis Syariah
Elida Elfi Barus
Institut Syekh Abdul Halim Hasan Binjai
Agriculture, Biological Sciences & Forestry Decision Sciences, Operations Research & Management Economics, Econometrics & Finance Industrial & Manufacturing Engineering Social Sciences

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Pengaruh E-Service Quality dan E-Trust Terhadap Loyalitas Nasabah PT Bank Syariah Indonesia KCP Binjai dalam Perspektif Ekonomi Islam Rio Herda Warda Sitepu; Elida Elfi Barus
Al-Kharaj: Jurnal Ekonomi, Keuangan & Bisnis Syariah Vol. 8 No. 5 (2026): Al-Kharaj: Jurnal Ekonomi, Keuangan & Bisnis Syariah
Publisher : Intitut Agama Islam Nasional Laa Roiba Bogor

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.47467/alkharaj.v8i5.11809

Abstract

This study analyzes the influence of e-service quality and e-trust on customer loyalty at PT Bank Syariah Indonesia (BSI) KCP Binjai through the lens of Islamic Economics. The research background is triggered by the dynamics of Islamic banking digitalization and the cyber system disruption in May 2023 that tested the resilience of customer trust. The research method used is quantitative with an associative approach. Data were collected via questionnaires from 100 active BSI KCP Binjai customers selected using purposive sampling. Data analysis was performed with multiple linear regression and classical assumption tests. The results indicate that e-service quality and e-trust have a positive and significant effect on customer loyalty, both partially and simultaneously. In an Islamic Economics perspective, digital service quality is an embodiment of ihsan and itqan, while trust is the implementation of amanah values. The study concludes that technological infrastructure stability and moral integrity are vital for maintaining customer loyalty in the digital era.
Mengukur Kepuasan Nasabah: Etika Bisnis, Inovasi Produk dan Layanan Digital di BSI KCP Binjai Kita Delvia Br Ginting; Elida Elfi Barus
Al-Kharaj: Jurnal Ekonomi, Keuangan & Bisnis Syariah Vol. 8 No. 5 (2026): Al-Kharaj: Jurnal Ekonomi, Keuangan & Bisnis Syariah
Publisher : Intitut Agama Islam Nasional Laa Roiba Bogor

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.47467/alkharaj.v8i5.12010

Abstract

The banking industry is undergoing a massive transformation towards a digital ecosystem, requiring a strategic balance between technological advancement and ethical compliance. This research aims to analyze the influence of Islamic business ethics, product innovation, and digital services on customer satisfaction at Bank Syariah Indonesia (BSI) KCP Binjai. Using a quantitative approach, data were collected from 100 respondents through purposive sampling and analyzed using multiple linear regression. The results indicate that Islamic business ethics, product innovation, and digital services simultaneously and partially have a significant positive effect on customer satisfaction. Business ethics serves as the primary foundation for building emotional trust, while product innovation prevents customer saturation. Digital services, particularly through the Byond by BSI application, represent the most dominant factor in enhancing transactional efficiency. However, challenges remain regarding digital literacy and system stability during peak hours. This study suggests that BSI KCP Binjai should prioritize human resource development in ethical standards and strengthen its technological infrastructure to maintain long-term competitive advantages.
Kualitas Kinerja Pelayanan Publik Dukcapil Kota Binjai: Dampak Sasaran Program dan Kualitas SDM Wahyu Firmansyah; Elida Elfi Barus
Al-Kharaj: Jurnal Ekonomi, Keuangan & Bisnis Syariah Vol. 8 No. 4 (2026): Al-Kharaj: Jurnal Ekonomi, Keuangan & Bisnis Syariah
Publisher : Intitut Agama Islam Nasional Laa Roiba Bogor

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.47467/alkharaj.v8i4.12056

Abstract

This study aims to analyze the influence of program target accuracy and human resources (HR) quality on the quality of public service performance at the Department of Population and Civil Registration (Dukcapil) of Binjai City. Amidst the digital transformation through the E-Disdukcapil application, administrative challenges such as low participation in death certificate processing and limited personnel quantity have become central issues. This research employs a quantitative approach with a causal-associative design. The research population includes the entire community of Binjai City utilizing Adminduk services, with a sample of 100 respondents determined through accidental sampling techniques. Data were collected using structured questionnaires and analyzed via multiple linear regression using SPSS software. The results indicate that program target and HR quality variables simultaneously have a significant positive impact on the quality of public service performance. Partially, HR quality was found to have a more dominant contribution compared to program targets. The findings identify operational barriers in the form of limited staff numbers and low effectiveness in socializing door-to-door programs. The study concludes by suggesting the strengthening of personnel capacity through digital training and optimizing public communication strategies to support the sustainability of service innovation in Binjai City.
Pengaruh Sertifikasi Halal terhadap Peningkatan Jumlah Penjualan Produk UMKM (Studi Kasus Kota Binjai) Berliana Dwi Nagita Manik; Elida Elfi Barus; Abi Waqqosh
el-Jizya: Jurnal Ekonomi Islam Vol. 12 No. 1 (2024): el-Jizya : Jurnal Ekonomi Islam
Publisher : Fakultas Ekonomi dan Bisnis Islam, Universitas Islam Negeri Prof. K.H. Saifuddin Zuhri Purwokerto

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.24090/ej.v12i1.11021

Abstract

This research aims to determine the effect of halal certification on increasing the number of sales of Micro, Small and Medium Enterprises products in Binjai City. This research is field research using a quantitative approach. The population is all consumers and producers of micro, small and medium enterprises. The sample was selected using random sampling with a total of 100 respondents. The method used in this research is Quantitative with Simple Linear Regression using Two Variables. The research used is field research, primary data from questionnaires and secondary data from documentation. The population in this study was 100 people and the sample was determined using the Slovin method, namely 100 samples.In this research the author used quantitative research and analyzed it with SPSS 22. Based on the research results, the t test (partial) showed that the training program had a significant effect on increasing income. The calculated t value is 7.353 < t table (7.353 > 0.1660). Based on the regression results, it can be seen that the Needs variable has a calculated t value of 1,839 with a sig of 0.069. This means t count < t table (1,839 > 1,660). The second hypothesis states that the collateral factor has no significant effect on people's interest in borrowing money from loan sharks. Based on the regression results, it can be seen that the collateral variable has a calculated t value of 6.634 with a sig of 0.000. This means t count > t table (6.634 > 1.660). all independent variables (X1 and The R2 test results show that variable X (Independent) has an influence of 31.5% on variable Y (dependent), while the remaining 68.5% is influenced by other variables
Co-Authors Abi Waqqosh Berliana Dwi Nagita Manik Fatimah Zahara Irwan Irawadi Barus Kita Delvia Br Ginting Muhammad Syahbudi Rio Herda Warda Sitepu Tuti Sugesti Wahyu Firmansyah