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All Journal Anjasmoro: Islamic Interdisciplinary Journal Jurnal Akuntansi, Ekonomi dan Manajemen Bisnis
Ahmad Sahidah
Universitas Nurul Jadid
Religion Humanities Economics, Econometrics & Finance Education

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PENGARUH SISTEM BAGI HASIL TERHADAP KEPUASAN NASABAH PADA BMT NU JATIM CABANG MLANDINGAN Ahmad Sahidah; Mugyena Mugyena
Jurnal Akuntansi, Ekonomi dan Manajemen Bisnis Vol. 5 No. 1 (2025): Maret : Jurnal Akuntansi, Ekonomi dan Manajemen Bisnis
Publisher : Pusat Riset dan Inovasi Nasional

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.55606/jaemb.v5i1.5693

Abstract

The Profit Sharing System is one of the main mechanisms in Islamic banking and financial institutions, where profits and risks are shared between the institution and customers based on a predetermined agreement. This study aims to determine the effect of the Profit Sharing System on customer satisfaction at BMT NU Jatim Mlandingan Branch. The method used in this study is a quantitative method with an accidental sampling technique because this method is more practical, easy to apply and efficient in terms of time and cost. Data were obtained through questionnaires distributed to respondents who were customers of BMT NU Jatim Mlandingan Branch. Data analysis was carried out using correlation and significance tests with the help of SPSS software. The results showed that the Profit Sharing System had a correlation with customer satisfaction of 0.280. However, based on the statistical significance test, the P-value of 0.112 (> 0.05) indicated that the effect was not significant. This indicates that the Profit Sharing System is not the only factor that determines customer satisfaction. The conclusion of this study is that although the Profit Sharing System has an effect on customer satisfaction, other factors such as service quality, trust in the institution, and the facilities provided are likely to play a greater role in determining the level of customer satisfaction. Therefore, further research is needed to identify other factors that are more dominant in increasing customer satisfaction at BMT NU Jatim, Mlandingan Branch. 
Implementation of Digital Finance in Supporting Financial System Transformation in The Digital Era (Barbershop Vip Gending): (Digital Finance Implementation to Support Financial System Transformation at Barbershop VIP Gending) Widya Dwy Anggrain; Ahmad Sahidah
Anjasmoro: Islamic Interdisciplinary Journal Vol. 4 No. 1 (2026): Islamic Education
Publisher : Yayasan Pendidikan Bustanul Ulum Mojokerto

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Abstract

This study aims to analyze the implementation of digital finance at Barbershop VIP Gending in support of financial system transformation in the digital age. Using a qualitative approach with a case study design, data were collected through in-depth interviews, direct observation, and documentation of the owner, employees, and customers selected through purposive sampling. Data analysis employed the Miles and Huberman interactive model through the stages of data reduction, data presentation, and drawing conclusions and verification, with triangulation of sources and techniques to ensure data validity. The research results indicate that Barbershop VIP Gending has adopted a hybrid digital payment system via Bank Jatim’s QRIS, e-wallets, and cash payments. Although digital infrastructure is available and staff are trained, cash transactions still dominate due to the business’s location in a rural area and the customer base, which consists primarily of students. The use of digital finance has proven to increase transaction speed, streamline automatic financial record-keeping, and promote a more modern and professional business image. The main obstacles faced include internet connectivity issues, input errors, and limitations in the features of the point-of-sale (POS) application. Overall, the integration of digital finance has connected the barbershop to the formal financial ecosystem and opened up potential access to financing as well as long-term business growth.
Co-Authors Mugyena Mugyena Widya Dwy Anggrain