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Pengaruh Minat Dan Tingkat Harga Terhadap Preferensi Masyarakat Muslim Yang Akan Menggunakan Akad Murabahah Pada KPR Bank Syariah Di Kota Jambi Natasha Aurora Geraldine; Paulina Lubis; Ary Dean Amri
JOURNAL OF SHARIA ECONOMICS Vol. 7 No. 1 (2025): Jounal of Sharia Economics
Publisher : Program Studi Ekonomi Syariah, Fakultas Ekonomi dan Bisnis Islam, Universitas Al Hikmah Indonesia

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.35896/jse.v7i1.1037

Abstract

This study aims to determine the description of interest, price level, and preference of Muslim community using murabahah contract on KPR Bank Syariah in Jambi City, analyze the influence of interest, price level on the preference of Muslim community using murabahah contract on KPR Bank Syariah in Jambi City partially, and analyze the influence of interest and price level on the preference of Muslim community using murabahah contract on KPR Bank Syariah in Jambi City simultaneously. The population in this study was 412,850 residents of Jambi City who are Muslim and are included in the productive age category. The analysis method in this study is quantitative data analysis technique. The results of the research that has been conducted: 1) Public interest in Murabahah contract in KPR Bank Syariah is moderate. This shows that people are starting to realize the importance of sharia-based financing, but have not fully made it their main choice. 2) Price level has a significant influence on public preference in choosing Murabahah contract. 3) Interest does not have a significant effect on preference. 4) Interest and price level influence the preference of Muslim community to use murabahah contract on KPR Bank Syariah in Jambi City simultaneously.
Analisis Penerapan Etika Bisnis Islam Pedagang Sembako Dalam Meningkatkan Loyalitas Pelanggan Di Pasar Anyar Tangerang Sildaina Mutmainnah; Paulina Lubis; Muhammad Roihan; Rafiqi .
JOURNAL OF SHARIA ECONOMICS Vol. 6 No. 2 (2024): Journal of Sharia Economics
Publisher : Program Studi Ekonomi Syariah, Fakultas Ekonomi dan Bisnis Islam, Universitas Al Hikmah Indonesia

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.35896/jse.v6i2.1066

Abstract

This study aims to analyze the application of Islamic business ethics by grocery traders in Pasar Anyar Tangerang in increasing customer loyalty. This study uses a qualitative method with data collection techniques through observation, interviews, and documentation. The theory used in this study is the four axioms of Islamic ethics according to Syed Nawab Haider Naqvi, namely tauhid (unity), balance (equilibrium), free will, and responsibility (responsibility). The results of the study show that traders apply Islamic ethical values ​​such as honesty, religiosity, justice, good service in providing freedom of transaction to customers, and responsibility in maintaining the quality and comfort of buyers. The application of these values ​​has been proven to play a role in increasing customer loyalty, which is reflected in indicators such as repeat purchases, trust, and willingness to recommend to others. In addition, despite the challenges due to the market revitalization process, traders continue to strive to maintain the principles of Islamic ethics in trading, which has a positive impact on customer loyalty.
Pengaruh Nilai Tuka, Inflasi, Likuiditas, Dan Harga Emas Terhadap Jumlah Deposito Mudharabah Pada PT Bank Syariah Indonesia (BSI) Tbk Periode 2021-2024 Ayyuasy Putri; Paulina Lubis; Yusuf Zaini Aprizal; Lucky Enggrani Fitri
JOURNAL OF SHARIA ECONOMICS Vol. 7 No. 2 (2025): Journal of Sharia Economics
Publisher : Program Studi Ekonomi Syariah, Fakultas Ekonomi dan Bisnis Islam, Universitas Al Hikmah Indonesia

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.35896/hepsmz20

Abstract

Mudharabah deposits are customer investment budgets that do not conflict with sharia principles. Withdrawals can only be made at certain times, by the agreement made between the bank and the investor. This study aims to determine the effect of exchange rates, inflation, liquidity, and gold prices on the amount of mudharabah deposits at PT. Bank Syriah Indonesia (BSI) Tbk for the period 2021-2024. This study uses a quantitative approach and the type of data used is secondary data, namely from the first quarter of 2021 to the fourth quarter of 2024. The analysis method in this study uses the multiple linear regression method with time series data or time series linear regression model. The results of this study indicate that the variables of exchange rates, inflation, and liquidity do not affect the amount of mudharabah deposits at PT. Bank Syriah Indonesia (BSI) Tbk, the gold price variable affects the amount of mudharabah deposits at PT. Bank Syriah Indonesia (BSI) Tbk with a p-value of 0.0227 at a real level <0.05, and simultaneously there is an influence between the variables of exchange rates, inflation, liquidity, and gold prices on the number of mudharabah deposits at PT. Bank Syriah Indonesia (BSI) Tbk. With an R-Square value of 67.43%.