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Persepsi Masyarakat terhadap Kualitas Layanan Bank Syariah: Studi Kasus di Kota Bandung Nugraha, Adhi; Hendi Fauzi; Sofi Abdurazzaq
Fair Value: Jurnal Ilmiah Akuntansi dan Keuangan Vol. 4 No. 6 (2022): Fair Value: Jurnal Ilmiah Akuntansi dan Keuangan
Publisher : Departement Of Accounting, Indonesian Cooperative Institute, Indonesia

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.55904/9jersk59

Abstract

Islamic banks have become an important part of the financial system in Indonesia, offering services based on sharia principles. However, public perception of the quality of Islamic bank services at the local level, such as in Bandung City, is still a topic that requires further research. This study aims to measure people's perceptions of the quality of Islamic bank services in Bandung City using quantitative research methods. Data was collected through a survey using questionnaires distributed to 300 respondents. Analysis was conducted using descriptive statistical methods and multiple linear regression to evaluate the relationship between service quality dimensions (tangible, reliability, responsiveness, assurance, and empathy) and customer satisfaction. The results showed that assurance and empathy dimensions have the most significant influence on public perception. This study provides practical recommendations for Islamic banks to improve their service quality.
Analisis Perbandingan Efisiensi Operasional antara Bank Syariah dan Bank Konvensional Judi Ichwan; Dewi Safitri; Hendi Fauzi
Fair Value: Jurnal Ilmiah Akuntansi dan Keuangan Vol. 4 No. 8 (2022): Fair Value: Jurnal Ilmiah Akuntansi dan Keuangan
Publisher : Departement Of Accounting, Indonesian Cooperative Institute, Indonesia

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.55904/e1f7k150

Abstract

This study analyzes the difference in operational efficiency between Islamic and conventional banks in Indonesia using the BOPO ratio from financial statement data for the period 2017-2022. The results show that the average BOPO of Islamic banks is higher, reflecting lower operational efficiency compared to conventional banks. However, the operational efficiency of Islamic banks shows a significant improvement trend. Factors such as economies of scale, financing risk, and digital technology affect the efficiency of both types of banks. Conventional banks are more efficient due to economies of scale and established infrastructure. This study recommends strengthening technology, cost efficiency, and product innovation to improve the competitiveness of the banking industry in Indonesia.
Analisis Pengaruh Ekonomi Makro terhadap Pertumbuhan Pembiayaan Syariah di Indonesia Dewi Safitri; Sofi Abdurazzaq; Hendi Fauzi
Fair Value: Jurnal Ilmiah Akuntansi dan Keuangan Vol. 5 No. 6 (2023): Fair Value: Jurnal Ilmiah Akuntansi dan Keuangan
Publisher : Departement Of Accounting, Indonesian Cooperative Institute, Indonesia

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.55904/hd2wc885

Abstract

This article aims to analyze the influence of macroeconomic variables on the growth of Islamic financing in Indonesia. The growing Islamic financing in Indonesia's financial sector requires a deeper understanding of the macroeconomic factors that influence its performance. This study uses a quantitative approach with regression analysis to identify the relationship between inflation, interest rates, exchange rates, and gross domestic product (GDP) on the growth of Islamic financing. The data used in this study are sourced from the Central Bureau of Statistics (BPS) and the Financial Services Authority (OJK) in the period 2010 to 2023. The results of this study are expected to provide insights for policy makers and financial practitioners in managing Islamic financing in Indonesia.
Faktor-Faktor yang Mempengaruhi Keputusan Nasabah Memilih Produk Tabungan Syariah Hendi Fauzi; Sofi Abdurazzaq; Dewi Safitri
Co-Value Jurnal Ekonomi Koperasi dan kewirausahaan Vol. 12 No. 3 (2021): Co-Value : Jurnal Ekonomi, Koperasi, & Kewirausahaan
Publisher : Program Studi Manajemen Institut Manajemen Koperasi Indonesia Bandung

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.59188/8z1jq144

Abstract

Penelitian ini bertujuan untuk menganalisis faktor-faktor yang memengaruhi keputusan nasabah dalam memilih produk tabungan syariah. Metode penelitian yang digunakan adalah kuantitatif, dengan pengumpulan data melalui kuesioner yang disebarkan kepada nasabah bank syariah. Responden dipilih menggunakan teknik purposive sampling, dengan total sebanyak 150 responden. Variabel penelitian mencakup faktor religiusitas, kualitas pelayanan, promosi, dan persepsi keuntungan dibandingkan dengan produk tabungan konvensional. Data dianalisis menggunakan regresi linier berganda untuk mengidentifikasi pengaruh signifikan masing-masing faktor terhadap keputusan nasabah. Hasil penelitian menunjukkan bahwa religiusitas dan kualitas pelayanan memiliki pengaruh signifikan positif terhadap keputusan nasabah. Faktor promosi juga memberikan kontribusi, meskipun tidak sekuat dua faktor sebelumnya. Sebaliknya, persepsi keuntungan tidak menunjukkan pengaruh signifikan terhadap keputusan nasabah. Penelitian ini memberikan implikasi praktis bagi bank syariah untuk meningkatkan strategi pemasaran dengan menekankan aspek religiusitas dan kualitas pelayanan, guna menarik lebih banyak nasabah potensial
Peran Asuransi Syariah dalam Mengurangi Risiko Keuangan di Sektor Pertanian: Pendekatan Kuantitatif Dewi Safitri; Jaya, Hendra; Hendi Fauzi
Co-Value Jurnal Ekonomi Koperasi dan kewirausahaan Vol. 13 No. 2 (2022): Co-Value : Jurnal Ekonomi, Koperasi, & Kewirausahaan
Publisher : Program Studi Manajemen Institut Manajemen Koperasi Indonesia Bandung

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.59188/p8r59x09

Abstract

Sektor pertanian memiliki peran strategis dalam perekonomian nasional, namun sektor ini juga sangat rentan terhadap berbagai risiko, seperti bencana alam, perubahan iklim, dan fluktuasi harga komoditas. Asuransi syariah, dengan prinsip-prinsip Islam yang mengedepankan gotong royong dan keadilan, berpotensi menjadi solusi untuk mengurangi risiko keuangan bagi para petani. Penelitian ini bertujuan untuk menganalisis efektivitas asuransi syariah dalam mengurangi risiko keuangan di sektor pertanian melalui pendekatan kuantitatif. Data dikumpulkan dari petani yang menggunakan asuransi syariah di berbagai wilayah di Indonesia dan dianalisis menggunakan metode regresi linier. Hasil penelitian menunjukkan bahwa asuransi syariah memiliki dampak positif yang signifikan dalam mengurangi risiko keuangan, meningkatkan stabilitas pendapatan, dan mendorong keberlanjutan usaha pertanian