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All Journal Al-Kharaj: Journal of Islamic Economic and Business IIJSE
Muhammad Sholahudin
Unknown Affiliation
Economics, Econometrics & Finance

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Evaluation of Operational Efficiency of Conventional and Sharia Rural Credit Banks (BPR) in Solo Raya Using Data Envelopment Analysis Wahid Nur Hasan; Imronudin; Muhammad Sholahudin
Al-Kharaj: Journal of Islamic Economic and Business Vol. 7 No. 4 (2025): All articles in this issue include authors from 3 countries of origin (Indonesi
Publisher : LP2M IAIN Palopo

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.24256/kharaj.v7i4.8337

Abstract

This study aims to analyze and compare the operational efficiency of conventional Rural Credit Banks (BPR) and Sharia Rural Credit Banks (BPRS) operating in the Solo Raya area during the period 2020 to 2024. Using the Data Envelopment Analysis (DEA) method, this study measures the technical efficiency level of each bank and identifies the main factors that affect their performance. The input variables used include total assets, operating costs, third-party funds, and employee expenses, while the output variables consist of operating income, credit/financing distribution, and net profit. The results of this study show that there are significant variations in efficiency between BPR and BPRS, with operational scale, cost discipline, and financial structure as the main determining factors. This study contributes to the literature on microbanking efficiency in Indonesia and offers empirical evidence and practical recommendations for bank management and regulators in improving operational strategies and financial sustainability.
The Influence of Influencers and Product Quality on Shopee Buying Interest Mediated by Consumer Trust Muhammad Sholahudin; Alvin Rio Sanjaya; Alif Radhia Rahman
Indonesian Interdisciplinary Journal of Sharia Economics (IIJSE) Vol 8 No 2 (2025): Sharia Economics
Publisher : Universitas KH. Abdul Chalim Mojokerto

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.31538/iijse.v8i2.6473

Abstract

This study reveals seven key findings related to factors that influence consumer purchase intention on e-commerce platforms such as Shopee. Influencers have a significant influence on purchase intention, while product quality does not have a direct impact, but plays a role in building consumer trust. Consumer trust is proven to have a strong influence on purchase intention. Brand quality relationships and brand image mediate the influence of social media on purchase intention on Shopee. In addition, product quality contributes to increasing consumer trust, which then influences purchase intention. The results of the study confirm that consumer trust is a crucial element in determining purchase intention, with product quality as the main foundation in building this trust. To increase purchase intention on Shopee, sellers are advised to improve product quality, provide transparent product descriptions, and provide responsive customer service. Marketing strategies through influencers and social media can strengthen brand relationships and product image. Sellers also need to utilize e-commerce features such as product reviews and promotions to build consumer trust and attract purchase intention. These findings provide strategic guidance for sellers in optimizing sales performance on e-commerce platforms.
Co-Authors Alif Radhia Rahman Alvin Rio Sanjaya Imronudin Wahid Nur Hasan