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All Journal Falah : Jurnal Ekonomi Syariah Asketik: Jurnal Agama dan Perubahan Sosial
Muh. Abdi Imam
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Religion Economics, Econometrics & Finance Social Sciences

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Implementation of Religious Moderation in the Development of Micro, Small and Medium Enterprises (MSMEs) Erwin; Muh. Abdi Imam; Irna; Haifa Syukur; Aqifha Putri Ramadhani
Asketik: Jurnal Agama dan Perubahan Sosial Vol. 9 No. 1 (2025): Asketik: Jurnal Agama dan Perubahan Sosial
Publisher : Prodi Sosiologi Agama

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.30762/asketik.v9i1.2554

Abstract

In the era of globalization, Micro, Small, and Medium Enterprises (MSMEs) play an important role in economic growth and job creation. However, MSMEs often face challenges in the form of intense competition and unethical business practices. This study aims to explore the contribution of religious moderation to MSME development through a qualitative approach with a case study method. The concept of religious moderation is understood as an effort to balance religious values with sustainable and responsible business practices. Data were obtained through in-depth interviews and participant observations of MSME actors who integrated the principles of moderation in their business activities. The results of the study indicate that religious moderation encourages the formation of reflective business ethics, inclusive cooperative relationships, and social orientation in business decision making. These findings indicate that religious moderation has a practical role in encouraging more ethical business practices and oriented towards social sustainability. Thus, religious moderation not only functions as a theological concept, but also as a value framework that can enrich the practice and orientation of MSME development amidst contemporary economic challenges.
Institutional Drivers of Customer Loyalty in Islamic Banks: A Structural Model of Customer Loyalty from Educational Organizations in Indonesia Muh. Abdi Imam; Erwin; Dini Nurpratiwi; Ahmad Nouruzzamand; Jabaluddin Hamid; Hajar Dewantara; Mujahidin; Sumarwadji, Hafid
Falah: Jurnal Ekonomi Syariah Vol. 11 No. 1 (2026): FEBRUARY
Publisher : Universitas Muhammadiyah Malang

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.22219/jes.v11i1.43647

Abstract

This study aims to analyze and identify factors influencing customer loyalty in Islamic banks, focusing on educational organizations in Indonesia. Customer loyalty is a crucial aspect for the sustainability of Islamic banks, especially amidst increasingly fierce competition in the banking industry. This study employed a quantitative research design, utilizing primary data collected via structured questionnaires. Quantitative approaches are well-suited for testing hypotheses and analyzing relationships between variables statistically. The questionnaires were distributed both in-person and online to Islamic bank customers from educational organizations in Indonesia over a four-week period with a final sample of 101 respondents. The data were analyzed using SEM-PLS to test the measurement and structural models. The results indicate that service quality significantly influences customer satisfaction, brand image, and loyalty. While customer satisfaction affects brand image, it does not directly influence loyalty, whereas brand image plays a key role in driving customer loyalty. Theoretically, this study contributes to the Islamic banking literature by confirming the mediating roles of brand image and customer satisfaction and offering a foundation for future research on loyalty in institutional and sharia-based financial contexts. This study provides practical insights for Islamic bank management to enhance customer loyalty through improved service quality, trust building, and consistent implementation of sharia principles.
Co-Authors Ahmad Nouruzzamand Aqifha Putri Ramadhani Dini Nurpratiwi Erwin Hafid Sumarwadji Haifa Syukur Hajar Dewantara Irna Jabaluddin Hamid Mujahidin