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All Journal Indonesian Journal of Islamic Economics and Finance Journal of Artificial Intelligence and Digital Business Journal of Economics and Social Sciences
Hadratullah, Hadratullah
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Agriculture, Biological Sciences & Forestry Computer Science & IT Economics, Econometrics & Finance Electrical & Electronics Engineering Engineering Law, Crime, Criminology & Criminal Justice Materials Science & Nanotechnology Social Sciences

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Analysis of 5C+1S Principles in Minimizing the Risk of Working Capital Murabahah Financing Hadratullah, Hadratullah; Sejati, Anang
Indonesian Journal of Islamic Economics and Finance Vol 4 No 2 (2024)
Publisher : Institut Agama Islam Sunan Giri Ponorogo

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.37680/ijief.v4i2.5792

Abstract

This study aims to analyze the application of the 5C+1S (Character, Capacity, Capital, Collateral, Condition, and Sharia) principles in minimizing the risk of Murabahah financing at Bank Syariah Indonesia KCP Pancor. The research uses a qualitative descriptive approach with primary data through employee and customer interviews and secondary data from bank documents. The results show that the 5C+1S principle helps assess customer eligibility despite obstacles such as limited human resources, lack of selectivity in customer selection, and the influence of economic conditions. To overcome these challenges, intensive training is recommended to improve the quality of human resources, periodic supervision of customers, risk analysis technology, diversification of financing portfolios, and improvement of customer financial literacy. Consistent and adaptive implementation of economic changes can help BSI KCP Pancor mitigate the risk of non-performing financing and maintain the sustainability of its operations.
The Influence of Innovation, Network, and Technology on Customer Switching to Bank Syariah Indonesia Hadratullah, Hadratullah; Hidayati, Rina
Indonesian Journal of Islamic Economics and Finance Vol 4 No 2 (2024)
Publisher : Institut Agama Islam Sunan Giri Ponorogo

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.37680/ijief.v4i2.5793

Abstract

This study analyzes the influence of product innovation, service quality, and office network on switching customer behavior from conventional banks to Bank Syariah Indonesia (BSI) in Selong District. This study uses a survey method with a quantitative approach, involving 100 BSI customer respondents who were taken by purposive sampling. Data were collected through questionnaires and analyzed using simple linear regression. The study results show that product innovation significantly influences customer switching behavior, with a contribution of 40.9%, followed by information technology by 18.6%. At the same time, the office network is not significant. These findings support the Planned Behavior theory and the Diffusion of Innovation theory, which states that innovations relevant to market needs can increase the adoption of sharia services. It is recommended that BSI strengthen its digital services and unique sharia features to attract more customers, increase competitiveness, and expand market share in the Islamic banking industry in Indonesia.
The Influence of Third Party Funds, Third, And Inflation on the Allocation Financing of Micro, Small, and Medium Enterprises (MSMEs) at Bank Syariah Indonesia Hadratullah, Hadratullah
Journal of Economics and Social Sciences (JESS) Vol. 4 No. 1 (2025): Journal of Economics and Social Sciences (JESS)
Publisher : CV. Civiliza Publishing

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.59525/jess.v4i1.741

Abstract

Study This aiming For examine : the influence of party funds third and inflation to allocation financing business small and medium in Indonesian Islamic banks period 2021-2023 . This research is study quantitative . Variables in study This is a third party fund Third , inflation and financing of MSMEs. Population in study This is report finance monthly Indonesian Islamic bank. The amount sample as much as 31.Technique analysis used​ is analysis statistics descriptive and assumption testing classic . Research results show that : Party funds third influential in a way partial and significant to financing of MSMEs is shown mark coefficient ( 0.000<0.05 so that Ha is accepted and Ho is rejected . Inflation No influential in a way partial and significant with mark coefficient 0.256<0.05 and value t count 1,160 more big from t table 2.04891 so that Ha is rejected and Ho is accepted , and accordingly simultaneous There is influence and significance of third party funds third and inflation to financing of MSMEs, shown with F value calculated 42.658 more big from F table 3.34. And based on results analysis regression R-Square obtained of 0.968 which means that contribution DPK amount and inflation in a way simultaneous influential to allocation financing MSMEs as big as 96.8%. However the remaining 3.2% is explained by other variables that are not entered in variable study.
Analysis of 5C+1S Principles in Minimizing the Risk of Working Capital Murabahah Financing Hadratullah, Hadratullah; Sejati, Anang
Indonesian Journal of Islamic Economics and Finance Vol. 4 No. 2 (2024)
Publisher : Institut Agama Islam Sunan Giri Ponorogo

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.37680/ijief.v4i2.5792

Abstract

This study aims to analyze the application of the 5C+1S (Character, Capacity, Capital, Collateral, Condition, and Sharia) principles in minimizing the risk of Murabahah financing at Bank Syariah Indonesia KCP Pancor. The research uses a qualitative descriptive approach with primary data through employee and customer interviews and secondary data from bank documents. The results show that the 5C+1S principle helps assess customer eligibility despite obstacles such as limited human resources, lack of selectivity in customer selection, and the influence of economic conditions. To overcome these challenges, intensive training is recommended to improve the quality of human resources, periodic supervision of customers, risk analysis technology, diversification of financing portfolios, and improvement of customer financial literacy. Consistent and adaptive implementation of economic changes can help BSI KCP Pancor mitigate the risk of non-performing financing and maintain the sustainability of its operations.
The Influence of Innovation, Network, and Technology on Customer Switching to Bank Syariah Indonesia Hadratullah, Hadratullah; Hidayati, Rina
Indonesian Journal of Islamic Economics and Finance Vol. 4 No. 2 (2024)
Publisher : Institut Agama Islam Sunan Giri Ponorogo

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.37680/ijief.v4i2.5793

Abstract

This study analyzes the influence of product innovation, service quality, and office network on switching customer behavior from conventional banks to Bank Syariah Indonesia (BSI) in Selong District. This study uses a survey method with a quantitative approach, involving 100 BSI customer respondents who were taken by purposive sampling. Data were collected through questionnaires and analyzed using simple linear regression. The study results show that product innovation significantly influences customer switching behavior, with a contribution of 40.9%, followed by information technology by 18.6%. At the same time, the office network is not significant. These findings support the Planned Behavior theory and the Diffusion of Innovation theory, which states that innovations relevant to market needs can increase the adoption of sharia services. It is recommended that BSI strengthen its digital services and unique sharia features to attract more customers, increase competitiveness, and expand market share in the Islamic banking industry in Indonesia.
Pengaruh Kemudahan, Keamanan, dan Manfaat Terhadap Penggunaan E-Wallet Dana: Studi Kasus Pada Mahasiswa IAI Hamzanwadi Pancor Apriani, Laila; Hidayati, Hikmatul; Hadratullah, Hadratullah
RIGGS: Journal of Artificial Intelligence and Digital Business Vol. 4 No. 3 (2025): Agustus - October
Publisher : Prodi Bisnis Digital Universitas Pahlawan Tuanku Tambusai

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.31004/riggs.v4i3.3110

Abstract

Penelitian ini dilatarbelakangi oleh pesatnya perkembangan teknologi digital yang mengubah sistem pembayaran, salah satunya melalui dompet digital (e-wallet). DANA menjadi salah satu e-wallet yang populer di kalangan masyarakat, termasuk mahasiswa, karena menawarkan kemudahan, keamanan, dan berbagai manfaat transaksi. Namun, setiap individu memiliki pertimbangan berbeda dalam penggunaannya, sehingga penting untuk menganalisis faktor-faktor yang memengaruhi keputusan tersebut. Penelitian ini bertujuan untuk mengetahui pengaruh kemudahan, keamanan, dan manfaat terhadap penggunaan e-wallet DANA pada mahasiswa Institut Agama Islam Hamzanwadi Pancor. Pendekatan penelitian yang digunakan adalah kuantitatif dengan metode survei melalui kuesioner online Google Form yang disebarkan kepada 96 responden. Analisis data dilakukan menggunakan SPSS versi 25 dengan serangkaian uji seperti validitas, reliabilitas, asumsi klasik (normalitas, multikolinearitas, autokorelasi, dan heteroskedastisitas), serta pengujian hipotesis melalui uji t, uji F, koefisien determinasi (R²), dan regresi linier berganda. Hasil penelitian menunjukkan bahwa kemudahan dan manfaat tidak berpengaruh signifikan terhadap penggunaan e-wallet DANA, sedangkan keamanan memiliki pengaruh positif dan signifikan. Secara simultan, ketiga variabel berpengaruh signifikan dengan kontribusi sebesar 49,1%, sementara sisanya dipengaruhi faktor lain di luar penelitian ini.
Co-Authors Apriani, Laila Hidayati, Hikmatul Hidayati, Rina Sejati, Anang