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All Journal Jurnal Bisnisman : Riset Bisnis dan Manajemen Jurnal Aktiva : Riset Akutansi dan Keuangan
Nursafitri, Yessi
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Decision Sciences, Operations Research & Management Economics, Econometrics & Finance

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Analisis Pengaruh Pricing, Kepercayaan, Dan Pelayanan Terhadap Keputusan Nasabah Pembiayaan Mikro Produk Murabahah (Study Kasus BSI Simpang Mulieng) Nursafitri, Yessi; Hafizh, Muhammad
Jurnal Aktiva : Riset Akuntansi dan Keuangan Vol 6 No 2 (2024): Juni 2024
Publisher : Program Studi Akutansi - Universitas Nusa Putra

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.52005/aktiva.v6i2.248

Abstract

This research aims to determine the analysis of the influence of pricing, trust and service on customers' decisions to finance micro murabahah products (case study of BSI Simpang Mulieng). This researcher took a sample of 38 data from customers responding to micro murabahah financing products at BSI Simpang Mulieng in 2021-2023, which was collected using a total sampling technique and the data was measured using a Likert scale and processed with the help of SPSS 26. From the results of the research on the T test, pricing was obtained. (X1) has a positive effect on customer decisions (Y) regarding financing micro murabahah products at Bsi Simpang Mulieng. seen from the tcount value of 2.704 > ttable 2.032 and the significance value of 0.009 < 0.01. Trust (X2) has a positive effect on customer decisions (Y) on murabahah financing at Bsi Simpang Mulieng, seen from the t-count value of 2.222 > 2.032 and a significant value of 0.033 < 0.1. Service micro murabahah product financing at BSI Simpang Mulieng. Judging from the calculated f value > f table with a value of 38.975 > 2.88 with a significance value of 0.000 < 0.05. And the results of the coefficient of determination test (R2) show that the three independent variables (X1. margin and service quality and the remaining 24.5% are influenced by other variables not included in the research.
Analisis Pengaruh Pendapatan Margin Murabahah dan Ijarah Muntahiyah Bittamlik terhadap Profitabilitas Bank Umum Syariah Di Indonesia Periode 2018-2022 Hasibuan, Fauzul Hakin; Nursafitri, Yessi; Febrianti, Dwi Rasti; Azira, Eka Nur
Jurnal Bisnisman : Riset Bisnis dan Manajemen Vol 5 No 2 (2023): Jurnal Bisnisman : Riset Bisnis dan Manajemen
Publisher : Universitas Nusa Putra

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.52005/bisnisman.v5i2.139

Abstract

The purpose of conducting this research is to determine the effect of Margin Income of Murabahah and Ijarah Mutahiyah Bittamlik on the Profitability of Islamic Commercial Banks in Indonesia for the 2018-2022 period. The type of research in this study is descriptive quantitative. The sampling technique used in this study was a purposive sampling technique and produced a sample of 6 Islamic Commercial Banks, including PT Bank BNI Syariah, PT Bank BCA Syariah, PT Bank Syariah Mandiri, PT Bank Bukopin Syariah, PT Bank BRI Syariah, PT Bank Muamalat Indonesia from the period 2018 to 2022. The data analysis method in this study is multiple regression analysis. The results of the research that has been done show that there is a significant effect of Margin Murabahah and Ijarah Mutahiyah Bittamlik income on Profitability which is carried out simultaneously.
Co-Authors Azira, Eka Nur Febrianti, Dwi Rasti Hasibuan, Fauzul Hakin Muhammad Hafizh