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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.
Analisis pengaruh kurs rupiah/USD dan harga emas dunia terhadap harga saham ANTM di indeks saham syariah indonesia periode 2021-2024 Alfani Mubarak; Mujibno
Jurnal Masharif al-Syariah: Jurnal Ekonomi dan Perbankan Syariah Vol 11 No 4 (2026)
Publisher : Universitas Muhammadiyah Surabaya

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.30651/jms.v11i4.31893

Abstract

Penelitian ini dilatarbelakangi oleh fluktuasi Kurs Rupiah/USD dan Harga Emas Dunia yang dapat memengaruhi pergerakan Harga Saham PT Aneka Tambang Tbk (ANTM) pada pasar modal syariah. Penelitian terdahulu menunjukkan hasil yang berbeda-beda mengenai pengaruh kurs dan harga emas dunia terhadap saham syariah sehingga menimbulkan research gap. Selain itu, penelitian yang secara khusus membahas saham ANTM dalam Indeks Saham Syariah Indonesia (ISSI) periode 2021–2024 masih terbatas. Penelitian ini bertujuan untuk mengetahui pengaruh Kurs Rupiah/USD dan Harga Emas Dunia terhadap Harga Saham ANTM baik secara parsial maupun simultan. Penelitian menggunakan pendekatan kuantitatif dengan jenis penelitian asosiatif. Data yang digunakan berupa data sekunder time series bulanan periode 2021–2024 sebanyak 48 sampel yang diperoleh dari Bank Indonesia, Investing.com, dan Bursa Efek Indonesia. Analisis data menggunakan regresi linier berganda melalui uji asumsi klasik, uji t, uji F, dan koefisien determinasi (R²). Hasil penelitian menunjukkan bahwa Kurs Rupiah/USD dan Harga Emas Dunia secara parsial berpengaruh negatif dan signifikan terhadap Harga Saham ANTM. Secara simultan, kedua variabel juga berpengaruh signifikan terhadap Harga Saham ANTM dengan nilai signifikansi 0,000 <0,05. Nilai koefisien determinasi sebesar 0,767 menunjukkan bahwa Kurs Rupiah/USD dan Harga Emas Dunia mampu menjelaskan pengaruh terhadap Harga Saham ANTM sebesar 76,7%, sedangkan sisanya dipengaruhi faktor lain di luar penelitian.