Hakim, Faqih Wildan
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Pengaruh Religiusitas Terhadap Minat Masyarakat Menggunakan Produk Perbankan Syariah di Kota Bandar Lampung Hakim, Faqih Wildan; Hasan, Ashari; Putra, Irhamsyah
Al-Mashrof: Islamic Banking and Finance Vol. 3 No. 2 (2022): Al - Mashrof: Islamic Banking and Finance
Publisher : Universitas Islam Negeri Raden Intan

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.24042/al-mashrof.v3i2.13973

Abstract

This study aims to determine the effect of religiosity on people's interest in using Islamic Bank products in the city of Bandar Lampung. The sample in this study used purposive sampling technique. The data used in this study are primary data obtained through questionnaires distributed to the public or prospective customers of Bank Syariah Mandiri in Bandar Lampung city. Based on a sample of 100 respondents using simple regression analysis, it shows that the religiosity variable can affect people's interest in using Islamic bank products by 15.3%. With the results of the analysis showing that the religiosity variable has a significance value of 0.000, it means that the religiosity variable has a positive and significant influence on people's interest in using Islamic bank products. These results provide an opportunity for Bank Syariah Mandiri to increase the socialization of Islamic bank products to the public. Because, with increasing religiosity, the tendency of people to be interested in using Islamic bank products is increasing.
Restructuring and Performance: Efficiency Dynamics of Islamic Banks Before and After Spin-offs, Mergers, and Conversions Hakim, Faqih Wildan; Rabaya, Abdullah Jihad; Ameraldo, Fedi; Rizki, Marsi Fella
al-Uqud : Journal of Islamic Economics Vol. 10 No. 1 (2026): January (in Progres)
Publisher : Universitas Negeri Surabaya

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Abstract

The purpose of this research is to analyze the efficiency dynamics of Islamic banks following their separation, merger, and conversion. The study focuses specifically on changes in performance that occurred before and after these corporate restructuring procedures. Data Envelopment Analysis (DEA) and Hahslm Reflectivity Dynamics (HEFDYN) are employed in this work, which suggests that different restructuring models exhibit diverse patterns of efficiency. Generally, spin-off banks tend to experience a decline in efficiency after their operations are separated from those of the parent bank. Merger banks exhibit varied efficiency patterns, and converted banks display varying efficiency levels during the conversion process. The results of this study show the importance of policymakers and practitioners thoroughly evaluating the trade-offs between regulatory compliance and efficiency outcomes. This study adds to the discussions on the evolution of Islamic banking by providing empirical data on efficiency changes under various restructuring scenarios.