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All Journal Indonesian Journal of Business Analytics (IJBA) Qawanin: Journal of Economic Syaria Law Journal of Finance and Islamic Banking
Dijan Novia Saka
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Religion Humanities Computer Science & IT Decision Sciences, Operations Research & Management Economics, Econometrics & Finance Law, Crime, Criminology & Criminal Justice Social Sciences

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SERVICE QUALITY SI MUDHA (SIMPANAN MUDHARABAH) PERSPEKTIF ISLAMIC ECONOMIC Widya Ratna Sari; Dijan Novia Saka; Agus Subandono
Qawanin: Jurnal of Economic Syaria Law Vol 6 No 2 (2022): December
Publisher : Fakultas Syariah IAIN Kediri

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.30762/qaw.v6i2.173

Abstract

Service Quality is the main foundation for the growth of an activity. Moreover, Islamic financial institutions are engaged in services. This study aims to look at the Service Quality Si Mudha (Simpanan Mudharabah) in terms of Islamic Economics in Koperasi Syariah Serba Usaha Harum Dhaha Kediri. Using a qualitative approach, this type of research is a case study. The method of obtaining data is through observation, interviews, and documentation which is finally analyzed using data reduction, data presentation, and drawing conclusions. The results of Service Quality carried out with a family system and have implemented five Service Quality determinants, namely: reliability, responsiveness, assurance, empathy, tangible, all of which have been carried out well. It is proven that there is an increase in members Si Mudha (Simpanan Mudharabah) from 2018 to 2021. Meanwhile, when viewed from the perspective of Islamic economics, it has not met the scale of Sharia Economic principles, namely: professional attitudes at work have not been fully formed because there are still some miscommunications between employees and members. The trust has not been covered because there are still delays in shuttle services, especially Si Mudha (Simpanan Mudharabah) The work ethic is also not optimal because it is seen from the professional and trustworthy principles in working that there are still problems. There should be regular evaluation of each performance and a clear division of tasks, so that Service Quality can be carried out optimally. Considering that members are the driving points, Service Quality polishing must be packaged properly. Keywords: Service Quality, Mudharabah, Islamic Economic
Technology Acceptance and the Use of Non-Cash Payment Systems: Empirical Evidence from Generation Y and Z Dijan Novia Saka; Muhamad Wildan Fawaid; Muhammad Ridwan Bakhtiar; Muhammad Alfasa Ilham Haq; Mahammadaree Waeno
Journal of Finance and Islamic Banking Vol. 8 No. 1 (2025)
Publisher : Universitas Islam Negeri Raden Mas Said Surakarta

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.22515/jfib.v8i1.11872

Abstract

Purpose: This study aims to examine the determinants influencing the use of non-cash transaction services among Generation Y and Z, focusing on the application of the Unified Theory of Acceptance and Use of Technology (UTAUT) model. Method: This research adopts a quantitative approach using convenience sampling with a total of 713 respondents. Data analysis techniques include descriptive statistics, Partial Least Square (PLS) regression, and path model analysis using SmartPLS and Microsoft Excel. Results: The results indicate that all latent variables—performance expectancy, facilitating conditions, social influence, risk perception, and trust perception—have a significant influence on the intention to use non-cash transaction services. Although effort expectancy shows a positive relationship, its effect is not statistically significant. Implication: The findings offer valuable insights for digital financial service providers and policymakers to enhance system accessibility, trust, and user convenience to encourage broader adoption among tech-savvy generations. Originality: This study contributes to the digital payment literature by integrating technological, social, and psychological factors within the UTAUT framework, specifically targeting Generation Y and Z as key demographic groups driving the future of cashless economies.
SERVICE QUALITY SI MUDHA (SIMPANAN MUDHARABAH) PERSPEKTIF ISLAMIC ECONOMIC Widya Ratna Sari; Dijan Novia Saka; Agus Subandono
Qawanin: Jurnal of Economic Syaria Law Vol 6 No 2 (2022): December
Publisher : Fakultas Syariah IAIN Kediri

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.30762/qaw.v6i2.173

Abstract

Service Quality is the main foundation for the growth of an activity. Moreover, Islamic financial institutions are engaged in services. This study aims to look at the Service Quality Si Mudha (Simpanan Mudharabah) in terms of Islamic Economics in Koperasi Syariah Serba Usaha Harum Dhaha Kediri. Using a qualitative approach, this type of research is a case study. The method of obtaining data is through observation, interviews, and documentation which is finally analyzed using data reduction, data presentation, and drawing conclusions. The results of Service Quality carried out with a family system and have implemented five Service Quality determinants, namely: reliability, responsiveness, assurance, empathy, tangible, all of which have been carried out well. It is proven that there is an increase in members Si Mudha (Simpanan Mudharabah) from 2018 to 2021. Meanwhile, when viewed from the perspective of Islamic economics, it has not met the scale of Sharia Economic principles, namely: professional attitudes at work have not been fully formed because there are still some miscommunications between employees and members. The trust has not been covered because there are still delays in shuttle services, especially Si Mudha (Simpanan Mudharabah) The work ethic is also not optimal because it is seen from the professional and trustworthy principles in working that there are still problems. There should be regular evaluation of each performance and a clear division of tasks, so that Service Quality can be carried out optimally. Considering that members are the driving points, Service Quality polishing must be packaged properly. Keywords: Service Quality, Mudharabah, Islamic Economic
Integration of Corporate Governance and Social as a Catalyst for Islamic Banking Financial Performance; Evidence in Indonesia Sri Anugrah Natalina; Grahita Chandrarin; Maxion Sumtaxy; Rofik Efendi; Yuliani; Dijan Novia Saka
Indonesian Journal of Business Analytics Vol. 4 No. 4 (2024): August 2024
Publisher : PT FORMOSA CENDEKIA GLOBAL

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.55927/ijba.v4i4.10233

Abstract

Corporate governance can be assessed from how the company has been run openly and transparently, to gain public trust in market mechanisms. Islamic banking in Indonesia shows a pattern that social activities are an obligation that must be carried out. Social is a characteristic of Indonesian banking, a financial institution that has implemented the concept of sharia. In this study, the sample used amounted to 132 data on BUS's financial statements for 11 years from 2010-2020. As a result, improved governance, actually led to a decline in financial performance, by the regression value of -0.1682. Meanwhile, the social variable shows that if social performance increases, financial performance also increases by 0.282.
Co-Authors Agus Subandono Grahita Chandrarin Mahammadaree Waeno Maxion Sumtaxy Muhamad Wildan Fawaid Muhammad Alfasa Ilham Haq Muhammad Ridwan Bakhtiar Rofik Efendi SRI ANUGRAH NATALINA Widya Ratna Sari YULIANI