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All Journal Al-Kharaj: Journal of Islamic Economic and Business International Journal of Islamic Business and Economics (IJIBEC)
Ahmad Tibrizi Soni Wicaksono
Unknown Affiliation
Religion Economics, Econometrics & Finance Environmental Science

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Factors Influencing the Increase in Mudarabah Savings: Evidence from Sharia Banks in Indonesia Bambang Iswanto; Risma Nurriani; Idhafiyyah Anwar; Ahmad Tibrizi Soni Wicaksono; Muhammad Nur Faaiz Fathah Achsani
International Journal of Islamic Business and Economics (IJIBEC) Vol 6 No 2 (2022): Volume 6 Nomor 2 Tahun 2022
Publisher : Universitas Islam Negeri K.H. Abdurrahman Wahid Pekalongan

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.28918/ijibec.v6i2.6288

Abstract

This research aims at discovering the effect of public bank's interest rate, Rupiah exchange rate, deposit profit sharing of public sharia banks and number of branch offices on the amount of mudarabah savings deposit in public sharia banks in Indonesia. It used Multiple Linear Regression Analysis to test 60 data samples from 12 banks located in Indonesia based on the public sharia banks’ monthly reports from 2017 to 2021. The research result showed that public bank's interest rate had no partial effect on the amount of mudarabah savings deposit and Rupiah exchange rate, deposit profit sharing and number of branch offices partially affected the amount of mudarabah savings deposit. Simultaneously, however, public bank's interest rate, Rupiah exchange rate, deposit profit sharing and number of branch offices had an influence on the amount of mudarabah savings deposit. As a primary funding source, mudarabah deposit plays an important role in a bank’s stability since it is the main element to reduce the bank liquidity risk. The implication of this study is that it is important for banks to have a policy that (1) maintain a certain amount of deposit savings by considering the macroeconomic condition, namely the exchange rate of currency used in the global economic trade and (2) maintain the performance of bank’s internal factors such as profit-sharing and number of branch offices as an attempt to expand the networkto increase the mudarabah deposit market share.
Building Consumer Perception and Satisfaction Through Sharia Compliance and Security of Sharia Digital Banking Muhammad Khaerul Muttaqien; Tajudin Mas’ud; Hamli Syaifullah; Laila Yumna; Ahmad Tibrizi Soni Wicaksono
Al-Kharaj: Journal of Islamic Economic and Business Vol. 8 No. 1 (2026): All articles in this issue include authors from 3 countries of origin (Indonesi
Publisher : LP2M IAIN Palopo

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.24256/kharaj.v8i1.7611

Abstract

The rapid development of financial technology has transformed banking services, including Islamic banking, which strives to meet Muslims’ financial needs in accordance with Islamic principles. This study aims to examine the influence of Sharia compliance and system security on consumer perceptions and satisfaction with Islamic digital banking services. Using a quantitative approach, data were collected through an online survey of 103 Muslim Islamic bank customers in Greater Jakarta, Indonesia. PLS-SEM analysis showed that Sharia compliance and security significantly influenced consumer perceptions (R² = 0.826), whereas perceptions and security contributed to consumer satisfaction (R² = 0.668). The results of the hypothesis test indicate that Sharia compliance has a positive and significant effect on perceptions but not directly on consumer satisfaction. Perception mediates the relationship between Shariah compliance and consumer satisfaction. Security significantly influences consumer perception and satisfaction. This study emphasizes the importance of integrating Sharia compliance and security to improve customer perceptions and satisfaction with Islamic digital banking.
Co-Authors Bambang Iswanto Hamli Syaifullah Idhafiyyah Anwar Laila Yumna Muhammad Khaerul Muttaqien Muhammad Nur Faaiz Fathah Achsani Risma Nurriani Tajudin Mas’ud