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Usman, Ismuadi
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Religion Decision Sciences, Operations Research & Management Economics, Econometrics & Finance Social Sciences

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Persepsi Ulama Dayah Terhadap Konversi Bank Konvensional (Studi Kasus Di Kota Banda Aceh) Arifin, Muhammad; Usman, Ismuadi; Fadhillah, Alfatan
Scientific Journal of Students Islamic Economics and Business Vol. 4 No. 2 (2023): JIMEBIS
Publisher : Fakultas Ekonomi dan Bisnis Islam, Universitas Islam Negeri Ar-Raniry Banda Aceh

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.22373/jimebis.v4i2.422

Abstract

After the conversion of conventional banks to sharia banks, people still think that there are no significant differences in the operational system of sharia banks except just changing the name, changing the term interest to profit sharing and several other small things that are not significant. This research aims to analyze the perceptions of ulama regarding the conversion of conventional banks to sharia banks in Banda Aceh. This research uses descriptive qualitative methods. Data was obtained by interviewing related parties such as ulama and community leaders. The research results show that according to the perception of ulama, the conversion of conventional banks to sharia banks is in accordance with the Islamic banking system because there is a Sharia Supervisory Board, although it still requires improvement. According to them, this conversion is the right thing and indeed should be carried out considering the existence of the Qanun on Sharia Financial Institutions in Aceh.
The Effect Of Promotion, Service Quality And Administration Of Voting Interest Sharia People's Business Credit In PT. Pegadaian Syariah Manyang, Cut Merah; Usman, Ismuadi; Tarigan, Ismail Rasyid Ridla
Scientific Journal of Students Islamic Economics and Business Vol. 5 No. 2 (2024): JIMEBIS
Publisher : Fakultas Ekonomi dan Bisnis Islam, Universitas Islam Negeri Ar-Raniry Banda Aceh

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.22373/gx8d2w50

Abstract

The Influence of Promotion Factors, Service Quality and Administration on Customer Interest in Choosing Sharia People's Business Credit (KUR) Products at PT. Pegadaian Syariah Banda Aceh City. The purpose of this study is to analyze the influence of these factors on customer interest in using the People's Business Credit (KUR) product. This study employed a quantitative method, utilizing primary data sources and a questionnaire-based data collection technique distributed through simple random sampling, targeting active customers who have chosen the People's Business Credit (Kredit Usaha Rakyat, KUR) products at PT. Pegadaian Syariah, Banda Aceh. The sample consisted of 85 respondents, and multiple linear regression analysis was used to test the hypotheses. The results of the multiple linear regression analysis assisted by SPSS, found that partially the service quality variable has a significant positive effect on customer interest, while the promotion and administration variables do not affect customer interest. However, the three independent variables simultaneously have a positive effect on Customer Interest in Choosing Sharia People's Business Credit (KUR) Products at PT. Pegadaian Syariah Banda Aceh City. Keywords: Promotion, service quality, administration, customer interest, KUR
Co-Authors Fadhillah, Alfatan Manyang, Cut Merah Tamaulina Br Sembiring Tarigan, Ismail Rasyid Ridla