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All Journal Community: Jurnal Hasil Penelitian dan Pengabdian Masyarakat Jurnal Ekonomi, Bisnis dan Manajemen
Mashuri Toha
Universitas Al-Amien Prenduan
Religion Decision Sciences, Operations Research & Management Economics, Econometrics & Finance Education Public Health Social Sciences

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Pengaruh Brand image, Religiusitas dan Lokasi terhadap Keputusan Menjadi Nasabah Bank Syariah (Studi kasus pada mahasiswa Universitas Al-Amien Prenduan) Mashuri Toha; Ilham Maulana; Alfani Mubarak; Moh. Bahij Al-Ardani
Masyrif : Jurnal Ekonomi, Bisnis dan Manajemen Vol 5, No 1 (2024): Masyrif : Jurnal Ekonomi, Bisnis Dan Manajemen
Publisher : Institut Dirosat Islamiyah Al-Amien Prenduan Sumenep

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.28944/masyrif.v5i1.1841

Abstract

This research aims to analyze the influence of brand image, religiosity and location on the decision to become a sharia bank customer among students at Al-Amien Prenduan University. Brand image, as a consumer's perception of a brand, is considered capable of forming trust and loyalty, while religiosity plays an important role in decision making based on sharia principles. Location is also considered to influence accessibility and comfort for potential customers. Data was collected through an online survey using Google Form, with respondents selected purposively from student students who were not yet sharia banking customers. Data analysis was carried out using the Structural Equation Modeling-Partial Least Squares (SEM-PLS) method to test the relationship between variables and identify direct and mediating effects. The research results show that brand image has the most significant influence on the decision to become a customer, both directly and as a mediator between religiosity and the decision. Religiosity was also proven to have a positive effect on brand image, but location did not show a significant influence on the decision to become a customer, which could reflect a shift in consumer preferences towards digital banking services. This research suggests that Islamic banks need to focus on strengthening branding strategies that reflect religious values and developing better digital services to attract and retain customers. These results provide an important contribution to the literature on Islamic bank marketing and the development of more effective marketing strategies.
The Impact of Inflation, Interest Rates, and Exchange Rates on the Indonesian Sharia Stock Index 2020-2024 Mashuri Toha; Elysa Nurlaila Azizah
Community: Jurnal Hasil Penelitian dan Pengabdian Masyarakat Vol. 5 No. 1 (2026): Jurnal Hasil Penelitian
Publisher : Perkumpulan Dosen Tarbiyah Islam Indonesia

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.61166/community.v5i1.242

Abstract

The development of the Islamic capital market in Indonesia is influenced by various macroeconomic conditions, such as inflation, interest rates, and exchange rates. This study aims to analyze the effect of inflation, interest rates (BI Rate), and exchange rates on the Indonesian Sharia Stock Index (ISSI) during the 2020–2024 period, both partially and simultaneously. This research employs a quantitative approach using multiple linear regression analysis processed with IBM SPSS version 25. The data used are secondary monthly time series data from January 2020 to December 2024 obtained from the Central Statistics Agency (BPS), Bank Indonesia (BI), and the Indonesia Stock Exchange (BEI). Before conducting regression analysis, the data were tested using classical assumption tests, including normality, multicollinearity, heteroscedasticity, and autocorrelation tests. The results show that simultaneously inflation, BI Rate, and exchange rates have a significant effect on ISSI, with an F-value of 32.414 and a significance value of 0.000 < 0.05. Partially, inflation has no significant effect on ISSI, while BI Rate and exchange rates significantly affect ISSI. The exchange rate variable is the most dominant factor influencing ISSI. The Adjusted R Square value of 0.615 indicates that 61.5% of ISSI variation can be explained by the three independent variables in this study
Co-Authors Alfani Mubarak Elysa Nurlaila Azizah Ilham Maulana Moh. Bahij Al-Ardani