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All Journal Etihad: Journal of Islamic Banking and Finance Nidhomiya: Research Journal of Islamic Philanthropy and Disaster
Purbasari , Verbena Ayuningsih
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Religion Humanities Economics, Econometrics & Finance Environmental Science Social Sciences

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User Preferences of Islamic Banking Services in Islamic Boarding Schools: A Case Study of Students and Teachers at Darul Huda Ponorogo Rosada, Nova Arina; Purbasari , Verbena Ayuningsih
Etihad: Journal of Islamic Banking and Finance Vol. 4 No. 2 (2024)
Publisher : UIN Kiai Ageng Muhammad Besari Ponorogo

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.21154/etihad.v4i2.9967

Abstract

Introduction: Indonesia which is predominantly Muslim, and all activities should be based on Islamic law, as well as economic activities carried out on the basis and principles of Islam. Thus, the emergence of financial institutions that are based on Islamic principles or Islamic banking. However, there is a lack of understanding regarding how Islamic banks are oriented to Islamic principles, so they still use conventional banks. Research Methods: This research is included in qualitative research, where the research procedure produces descriptive data in the form of written or spoken words from respondents. With an approach using field research. Data collection techniques started from interviews conducted directly by students, students, and teachers at the Darul Huda Mayak Ponorogo Islamic Boarding School. Results: Based on the research results, it can be concluded that the preferences of students, students, and teachers who use Islamic banking services are transmissibility and continuity; the more, the better. The preferences of students, students, and teachers who do not use Islamic banking services: the principle of completeness, transmissibility, and the better. The factors influencing the preferences of students, students, and teachers who use Islamic banking services are cultural, social, personal, and psychological. Culture and society influence the preferences of students, students and teachers who do not use Islamic banking services. Conclusion: For the bank, it is hoped that they can increase promotions and socialization to the community and fellow students so that they understand the actual Islamic bank, add offices and ATM services at several points not only in urban areas or in villages, thus increasing interest in using Islamic banks.
Etika Bisnis Islam dalam Perilaku Blantik di Pasar Hewan Jetis Ponorogo Pancawati, Lilin; Purbasari , Verbena Ayuningsih
Nidhomiya: Research Journal of Islamic Philanthropy and Disaster Vol. 4 No. 2 (2025): Islamic Philanthropy and Disaster
Publisher : UIN Kiai Ageng Muhammad Besari Ponorogo

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.21154/nidhomiya.v4i2.5558

Abstract

Jetis Animal Market in Ponorogo is one of the largest traditional economic centers in the former Madiun Residency that continues to maintain a trading system involving intermediaries known as blantik. In practice, the behavior of blantik does not always fully reflect the values of Islamic business ethics, such as honesty, justice, responsibility, trustworthiness (amanah), and the prohibition of riba and gharar. Practices such as concealing the actual condition of animals and engaging in price mark-ups indicate the importance of conducting an in-depth study of Islamic business ethics within traditional market transactions. This study employed a qualitative field research approach. Data were collected through in-depth interviews with six blantik operating in the Jetis Animal Market. The data were analyzed using the interactive model of Miles and Huberman, which includes data collection, reduction, presentation, and conclusion drawing. Data validity was ensured through member checking. The findings show that most blantik have an adequate understanding of Islamic business ethics; however, their implementation tends to be situational and influenced by surrounding conditions. Principles of honesty and amanah are sometimes compromised to avoid financial losses, although honesty, justice, trustworthiness, and responsibility remain the main ethical guidelines in their business practices. Elements of riba are rarely found because transactions are conducted in cash, while gharar is minimal due to direct visual and physical access to the animals being traded. Economic pressure, price fluctuations, and market competition significantly affect ethical behavior, while social environment, market traditions, regulatory oversight, and the level of religious understanding also play important roles in shaping ethical consistency among blantik.
Co-Authors Pancawati, Lilin Rosada, Nova Arina