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Analysis of the Behavior of Young Couples in Buying a House Using Sharia Contracts Rinaldy, Salwa Afronisa Aulia; Fadhliah, Syifa; Rasyid, Muhammad Irfan; Nurhayati, Gita; Putra, Purnama
PARADIGMA : JURNAL ILMU PENGETAHUAN AGAMA, DAN BUDAYA Vol 21 No 2 (2024): PARADIGMA Journal of Science, Religion and Culture Studies
Publisher : Lembaga Penelitian dan Pengabdian Masyarakat Universitas Islam 45

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.33558/paradigma.v21i2.9960

This study aims to analyze the direct and indirect influence among variables such as attitudes, subjective norms and behavioral control perceptions on the decision-making of young couples in buying houses based on sharia contracts with interest variables as the intervening variable. This study used a quantitative method used by distributing questionnaires to 250 young couples. This study used a side purposive sampling method. This study applied a a path analysis to examine the direct and indirect influence of independent variables on dependent variables through intervening variables. The results of the study showed that attitudes, subjective norms and perception of behavioral control influenced people’s interests to buy a house using sharia-based contracts. Furthermore, attitudes affect decision-making, while subjective norm variables and behavioral control perceptions do not have a significant effect on decision-making. Nevertheless, interests have a positive and significant effect on decision-making. Based on the results of the path analysis, interests could mediate attitudes, subjective norms and perception of behavior control in making decisions in taking houses based on sharia contracts. The results of this study imply that sharia-based banks in Indonesia need to provide a continuous literacy program toward sharia-based mortgage products to increase customers’ interests so that they know the advantages of using sharia-based banks, especially in terms of house mortgage financing products.

PENDAMPINGAN SERTIFIKASI HALAL GRATIS (SEHATI) UNTUK USAHA MIKRO KECIL DAN MENENGAH (UMKM) DI DESA SUKAMUKTI Putra, Purnama; Fadhliah, Syifa; Khoiriyah, Ummi
DEVOSI Vol 5 No 1 (2024): Devosi Jurnal Pengabdian Masyarakat
Publisher : LPPM Universitas Islam 45 Bekasi

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.33558/devosi.v5i1.9478

Halal certification is an obligation for MSME players in Indonesia. In accordance with government directives in Government Regulation Number 39 of 2021 which requires MSMEs to have halal certification from 17 October 2019 to 17 October 2024. After 17 October 2024, actors who do not have halal certification will receive sanctions from the government. The problem that occurs in the community related to the small number of MSMEs that carry out halal certification is the lack of knowledge and information regarding the process and flow of applying for halal certification for MSMEs, making MSMEs unable to carry out halal certification. The implementation of this community service was carried out in Sukamukti Village by holding a socialisation and assistance program for Free Halal Certification (SEHATI) for MSMEs in Sukamukti Village. The method of implementing this activity uses a training method to introduce new things to the community followed by the implementation of halal certification assistance. The conclusion in this mentoring activity runs smoothly. Overall, MSMEs that can be certified halal are Warung Seblak which focuses on food through a self-declaration programme. Halal certification shows positive results, including having an impact on increasing partner turnover.

Analisis Kepuasan Nasabah Gen Z dalam Menggunakan Aplikasi BSI Mobile Fadhliah, Syifa; Putra, Purnama
Jurnal Ilmiah Ekonomi Islam Vol 10, No 3 (2024): JIEI : Vol.10, No.3, 2024
Publisher : ITB AAS INDONESIA Surakarta

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.29040/jiei.v10i3.14448

This study aims to analyze the variables of E-Service Quality, namely Fulfillment, Responsiveness, Compensation, Efficiency, System Availibility, Privacy, Contact on the satisfaction of Gen Z customers in using the BSI Mobile application. The method used is a quantitative method by distributing questionnaires as a data collection tool and multiple regression analysis tests are carried out through SPSS Statistic Version 26 Software. The population in this study is customers who belong to Generation Z and use the BSI Mobile application domiciled in Greater Jakarta. Sampling uses non-probability sampling by determining the number of samples using the Cochran formula which produces a sample number of 100 respondents. This study shows that the results of simultaneous tests for the variables of Fulfillment, Responsiveness, Compensation, Efficiency, System Availability, Privacy, and Contact together affect the satisfaction of Gen Z customers in using the BSI Mobile application. Then in the partial test for the variables Fulfillment, Responsiveness, Compensation, Privacy, and Contact, each had no effect and was not significant on the satisfaction of Gen Z customers in using the BSI Mobile application. This is because Gen Z customers have not felt the good quality of service from BSI regarding the fulfillment, response and communication of customer complaints and the security of customer personal data that has not been maximized. Meanwhile, the Efficiency and System Availability variables have a positive and significant effect on Gen customer satisfaction in using the BSI Mobile application. This research has recommendations for Bank Syariah Indonesia to continue to improve the quality of BSI Mobile services so that it can increase customer satisfaction in using it.

Analisis Kepuasan Nasabah Gen Z dalam Menggunakan Aplikasi BSI Mobile Fadhliah, Syifa; Putra, Purnama
Jurnal Ilmiah Ekonomi Islam Vol. 10 No. 3 (2024): JIEI : Vol.10, No.3, 2024
Publisher : ITB AAS INDONESIA Surakarta

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.29040/jiei.v10i3.14448

This study aims to analyze the variables of E-Service Quality, namely Fulfillment, Responsiveness, Compensation, Efficiency, System Availibility, Privacy, Contact on the satisfaction of Gen Z customers in using the BSI Mobile application. The method used is a quantitative method by distributing questionnaires as a data collection tool and multiple regression analysis tests are carried out through SPSS Statistic Version 26 Software. The population in this study is customers who belong to Generation Z and use the BSI Mobile application domiciled in Greater Jakarta. Sampling uses non-probability sampling by determining the number of samples using the Cochran formula which produces a sample number of 100 respondents. This study shows that the results of simultaneous tests for the variables of Fulfillment, Responsiveness, Compensation, Efficiency, System Availability, Privacy, and Contact together affect the satisfaction of Gen Z customers in using the BSI Mobile application. Then in the partial test for the variables Fulfillment, Responsiveness, Compensation, Privacy, and Contact, each had no effect and was not significant on the satisfaction of Gen Z customers in using the BSI Mobile application. This is because Gen Z customers have not felt the good quality of service from BSI regarding the fulfillment, response and communication of customer complaints and the security of customer personal data that has not been maximized. Meanwhile, the Efficiency and System Availability variables have a positive and significant effect on Gen customer satisfaction in using the BSI Mobile application. This research has recommendations for Bank Syariah Indonesia to continue to improve the quality of BSI Mobile services so that it can increase customer satisfaction in using it.

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