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All Journal ProBisnis : Jurnal Manajemen Indo-Fintech Intellectuals: Journal of Economics and Business
Emilia, Lynda
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Humanities Computer Science & IT Economics, Econometrics & Finance Industrial & Manufacturing Engineering Social Sciences

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Implementasi Pemberian Kredit Di Lembaga Pembiayaan Dalam Perspektif Islam: Teori Dan Praktik Emilia, Lynda
Indo-Fintech Intellectuals: Journal of Economics and Business Vol. 4 No. 6 (2024): Indo-Fintech Intellectuals: Journal of Economics and Business (2024)
Publisher : Lembaga Intelektual Muda (LIM) Maluku

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.54373/ifijeb.v4i6.2180

Abstract

Penelitian ini bertujuan untuk mengeksplorasi implementasi pemberian kredit di lembaga pembiayaan syariah dalam konteks Indonesia, dengan fokus pada kesenjangan antara teori dan praktik. Metode yang digunakan adalah pendekatan kualitatif melalui studi literatur dan analisis deskriptif, yang melibatkan data dari jurnal ilmiah, buku, dan dokumen regulasi terkait. Hasil penelitian menunjukkan bahwa meskipun lembaga pembiayaan syariah telah berupaya menerapkan prinsip-prinsip syariah, seperti larangan riba dan penggunaan akad syariah, tantangan signifikan masih ada, termasuk rendahnya literasi keuangan syariah dan kurangnya pemahaman masyarakat tentang produk-produk syariah. Penelitian ini merekomendasikan peningkatan literasi keuangan syariah melalui program edukasi publik, penguatan peran Dewan Pengawas Syariah, serta pengembangan teknologi keuangan syariah (Islamic fintech) untuk meningkatkan aksesibilitas dan efisiensi layanan. Temuan ini memberikan kontribusi penting bagi pengembangan sistem keuangan syariah yang lebih transparan dan adil, serta mendukung pertumbuhan ekonomi yang berkelanjutan sesuai dengan nilai-nilai Islam. Penelitian ini diharapkan dapat menjadi referensi bagi pembuat kebijakan, lembaga keuangan, dan akademisi dalam merumuskan strategi yang lebih efektif dalam implementasi pembiayaan syariah
Building Loyalty in Finance: The Interplay of Brand Image, Communication, Service Quality, and Trust Emilia, Lynda; Ratnawati, Alifah
ProBisnis : Jurnal Manajemen Vol. 16 No. 4 (2025): August: Management Science
Publisher : Lembaga Riset, Publikasi dan Konsultasi JONHARIONO

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Abstract

This research aims to investigate the impact of brand image, brand communication, and service quality on user loyalty, with trust serving as a mediating factor in the context of finance companies in Sragen Regency. This study uses a quantitative approach with a survey technique on 101 respondents. Data analysis was carried out using Structural Equation Modeling (SEM) based on Partial Least Squares (PLS). The results of the investigation indicate that brand image and brand communication have a significant positive impact on trust. Brand image also has a significant direct impact on user loyalty. Trust has a significant impact on user loyalty, but does not mediate the relationship between brand image, brand communication, or service quality on loyalty. Meanwhile, service quality does not have a significant effect on trust or loyalty. These findings indicate that in the context of finance companies, brand image and trust play an important role in building user loyalty, while service quality has not been the main determinant.  This research introduces a contextualized and empirically grounded perspective on customer loyalty, offering theoretical implications by questioning mediation pathways and practical guidance for financial institutions to prioritize brand and trust-building strategies over conventional service enhancement alone.
Co-Authors Alifah Ratnawati