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All Journal Jurnal Ekonomi Manajemen Dan Bisnis (JEMB) Saneskara: Journal of Social Studies PESHUM Journal of Islamic Economics Studies and Practices (JIESP).
Surahmah, Surahmah
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Arts Humanities Economics, Econometrics & Finance Education Social Sciences

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PENGARUH PENGETAHUAN DAN MOTIVASI TERHADAP MINAT MENABUNG DI BANK SYARIAH Surahmah, Surahmah; Didit Darmawan
Jurnal Ekonomi Manajemen Dan Bisnis (JEMB) Vol. 2 No. 3 (2025): Januari
Publisher : Publikasi Inspirasi Indonesia

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.62017/jemb.v2i3.3780

Abstract

Seiring dengan pertumbuhan industri keuangan Islam yang mencerminkan pemahaman masyarakat akan pentingnya pengelolaan keuangan yang sesuai dengan prinsip-prinsip Islam, terjadi peningkatan jumlah masyarakat yang berminat menabung di bank Islam. Tujuan dari kajian pustaka ini adalah untuk mengetahui pengaruh pengetahuan dan motivasi terhadap tingkat minat dan keinginan menabung di bank Islam. Untuk meningkatkan minat menabung, lembaga keuangan perlu mengembangkan pemahaman dan motivasi masyarakat mengenai produk bank syariah. Upaya untuk membangkitkan minat menabung sangat diperlukan agar pelaksanaan pengelolaan keuangan secara efektif. Untuk tujuan penelitian ini, pendekatan tinjauan pustaka digunakan dengan melakukan analisis terhadap berbagai sumber ilmiah yang berkaitan. Temuan kajian memperlihatkan bahwa Kontribusi yang cukup besar terhadap meningkatnya minat menabung di bank syariah adalah adanya kesadaran dan motivasi masyarakat. Pengaruh pengetahuan dan motivasi sangat penting karena dapat mendorong masyarakat untuk lebih aktif dalam mengelola keuangan mereka dan memahami manfaat menabung di bank syariah. Oleh karena itu, bank dan pihak terkait diharapkan dapat terus menciptakan dan memelihara lingkungan yang mendukung peningkatan pengetahuan dan motivasi masyarakat untuk mencapai tujuan keuangan yang optimal.
Pengaruh Aksesibilitas Dan Religiusitas Terhadap Keputusan Berkunjung Pada Malam Ganjil Akhir Ramadan Di Masjid Nasional Al-Akbar Surabaya Amrullah, Afif; Surahmah, Surahmah; Sholichah, Laila Fitriyatus
PESHUM : Jurnal Pendidikan, Sosial dan Humaniora Vol. 4 No. 4: Juni 2025
Publisher : CV. Ulil Albab Corp

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.56799/peshum.v4i4.9981

Abstract

Penelitian ini membahas pengaruh aksesibilitas dan religiusitas terhadap keputusan masyarakat untuk berkunjung ke Masjid Nasional Al-Akbar Surabaya pada malam ganjil akhir Ramadan. Latar belakang penelitian ini didasarkan pada fenomena meningkatnya jumlah jamaah saat malam-malam Lailatul Qadar. Penelitian ini terdapat tujuan yaitu untuk mengetahui seberapa besar peran aksesibilitas dan religiusitas dalam memengaruhi keputusan berkunjung. Penelitian memanfaatkan pendekatan kuantitatif dalam pengumpulan data melalui kuesioner terhadap 50 responden. Teknik analisis yang dimanfaatkan merupakan regresi linier berganda. Hasil penelitian membuktikan mengenai dengan simultan kedua variabel berpengaruh signifikan terhadap keputusan berkunjung. Namun, secara parsial hanya religiusitas yang memiliki pengaruh signifikan, akan tetapi untuk aksesibilitas tidak berpengaruh signifikan. Temuan ini menegaskan bahwa nilai-nilai keagamaan lebih dominan dibandingkan faktor akses dalam mempengaruhi perilaku keagamaan masyarakat.
Pengaruh Online Customer Rating, Word of Mouth dan Iklan E-commerce terhadap Minat Beli Pakaian pada Marketplace TikTok dalam Perspektif Islam Surahmah, Surahmah; Hariani, Mila
Journal of Islamic Economics Studies and Practices Vol. 3 No. 1 (2024): Juni
Publisher : Institut Agama Islam YPBWI Surabaya

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.54180/jiesp.2024.3.1.82-97

Abstract

This research aims to analyze the influence of online customer ratings, word of mouth, and e-commerce advertising on interest in buying clothes on the TikTok marketplace from an Islamic perspective. The research method used is qualitative with a primary and secondary data approach. The objects in this research are TikTok users who have purchased clothes on the TikTok marketplace. The data collection technique in this research is primary data obtained through online questionnaires distributed to respondents, while secondary data is obtained from literature studies, journals and other relevant sources. The research results show that online customer ratings, word of mouth, and e-commerce advertising simultaneously have a significant effect on interest in buying clothes on the TikTok marketplace. From an Islamic perspective, online customer assessment and word of mouth promotion are in line with the principles of transparency and honesty, while e-commerce advertising must pay attention to aspects that are not deceptive and do not contain prohibited elements. The implication of this research is the need for TikTok market managers to improve the quality of online customer assessments and encourage positive word of mouth, as well as designing e-commerce advertisements that are in accordance with Islamic principles.
Strategi Pengembangan Kualitas Layanan Digital dalam Membentuk Kepuasan Nasabah BSI Sidoarjo Surahmah, Surahmah
Saneskara: Journal of Social Studies Vol. 1 No. 2 (2024)
Publisher : Sahabat Akademia Group

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.62491/sjss.v1i2.2024.13

Abstract

The rapid advancement of technology has transformed the banking industry, enabling the introduction of digital services that simplify customer transactions. This progress has intensified competition among banks to deliver high-quality services aimed at enhancing customer satisfaction, retaining existing clients, and attracting new ones. Customer satisfaction is achieved when banks provide accessible, high-quality services that meet customer expectations. This study examines the quality of digital services provided by BSI Mobile Banking and its role in shaping customer satisfaction at BSI Sidoarjo. A qualitative descriptive method was employed, utilizing interviews, observations, and documentation for data collection. The findings reveal that BSI Mobile Banking offers one of the most comprehensive digital banking features compared to other digital services. It not only supports financial transactions but also includes Islamic financial features that simplify banking activities for customers. By utilizing BSI Mobile, customers can conduct transactions independently without visiting bank branches or ATMs. Strategies to enhance digital service quality—such as upgrading technological infrastructure, developing user-friendly mobile banking applications, and providing customer training—have significantly contributed to customer satisfaction at BSI Sidoarjo and increased the adoption of BSI Mobile services. The practical implications of this research underscore the importance of prioritizing the development of high-quality digital services to enhance customer satisfaction and loyalty, ensuring banks remain competitive in the digital era.
Co-Authors Afif Amrullah, Afif Didit Darmawan Hariani, Mila Sholichah, Laila Fitriyatus