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Determinants Of Customer Engagement (Ce) In Islamic Banks: Faktor-Faktor Penentu Keterlibatan Pelanggan (CE) di Bank Syariah Alimatul Farida; Andriani Samsuri; Anshori
Journal of Islamic Economics Vol. 1 No. 1 (2024): January-June
Publisher : Sekolah Tinggi Agama Islam Al-Muntahy

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.65663/commercio.v1i1.271

Abstract

Islamic banking as an institution engaged in service, must be able to cover customer needs and maintain customer relationship patterns because it is necessary to compete with conventional banks. The purpose of this article study is to determine the determinants of Customer Engagement in Islamic banks and to determine the relevance of Customer Engagement to customer loyalty in Islamic banks. The research method used in this article study uses the Systematic Literature Review (SLR) method, namely collecting previous research articles as secondary data by searching for literature collections from database sites www.scholar.google.com, https://www.scopus.com, and https://openknowledgemaps.org/ using the keywords customer engagement and customer engagement with Islamic banking. The articles collected are articles published in 2017 - 2022. The results of this article study state that the determining factors of Customer Engagement (CE) in Islamic banks are customer satisfaction, customer commitment, religious factors, Customer Relationship, partnership and brotherhood in Islam between customers and Islamic banks to achieve goals, service quality and excellence. And Customer Engagement (CE) is relevant in mediating the loyalty of Islamic bank customers.
Implementasi Manajemen Risiko Pembiayaan Syariah dalam Upaya Menjaga Likuiditas Koperasi Syariah di BMT Maslahah Cabang Sukorejo Kabupaten Pasuruan Ulfatul Islamiyah; Abdillah Mundir; Alimatul Farida
Al-Kharaj: Jurnal Ekonomi, Keuangan & Bisnis Syariah Vol. 7 No. 4 (2025): Al-Kharaj: Jurnal Ekonomi, Keuangan & Bisnis Syariah
Publisher : Intitut Agama Islam Nasional Laa Roiba Bogor

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.47467/alkharaj.v7i4.7433

Abstract

This study discusses the implementation of Islamic financing risk management in maintaining the liquidity of Islamic cooperatives at BMT Maslahah Sukorejo Branch Pasuruan Regency. Risk management is a crucial aspect of the operational activities of Islamic cooperatives to ensure business continuity and minimize problematic financing risks that could disrupt liquidity stability. This study employs a qualitative descriptive method, with data collected through interviews, observations, and documentation. Data analysis is conducted using data reduction, data presentation, and conclusion drawing. The findings indicate that BMT Maslahah implement risk management through identification, measurement, monitoring, and risk control stages. The main strategies involve appliying the 5C principles (Character, Capacity, Capital, Condition, and Collateral) in financing analysis, strict supervision by Account Officer (AO) and Recovery Officer (RO), as well as restructuring policies for customers facing payment diffficulties. The effectiveness of risk management implementation at BMT Maslahah Sukorejo Branch is reflected in the controlled Non-Performing Financing (NPF) rate, maintained liquidity stability, and increased efficiency in financing management. However, challenges remain, such as limited resources for customer assistance, external economic conditions, and the need for innovation in risk mitigation strategies. Therefore, strengthening policies and adopting a more adaptive approach are necessary for the cooperative to continue sustainable growth in accordance with Islamic principles.
STRATEGIC CAPABILITIES AND PERFORMANCE OF HALAL FOOD SMES: THE MEDIATING ROLE OF COMPETITIVE ADVANTAGE Alimatul Farida; Muhamad Ahsan; Burhan Djamaluddin
International Conference on Humanity Education and Society (ICHES) Vol. 5 No. 1 (2026): The 5th International Conference on Humanity Education and Society (ICHES)
Publisher : FORPIM PTKIS ZONA TAPAL KUDA

Show Abstract | Download Original | Original Source | Check in Google Scholar

Abstract

Despite the rapid growth of the global halal industry, empirical evidence explaining how internal firm capabilities shape performance outcomes among halal certified small and medium sized enterprises (SMEs) remains limited. Drawing on the Resource- Based Theory (RBT), this study examines the effects of human capital competence, innovation strategy, Islamic financial literacy, and market orientation on the performance of halal food and beverage SMEs, with competitive advantage acting as a mediating mechanism. A quantitative explanatory approach was employed using survey data collected from 278 owners and managers of halal-certified SMEs in Mojokerto, Indonesia. The data were analyzed using Partial Least Squares Structural Equation Modeling (PLS-SEM) with SmartPLS 4.0. The findings reveal that all internal capability variables exert positive and significant effects on SME performance. Furthermore, competitive advantage plays a pivotal mediating role by strengthening the indirect relationships between internal resources and performance outcomes. These results extend the Resource-Based Theory by demonstrating that value-based and non-financial internal resources are critical in generating sustainable competitive advantage and enhancing firm performance within the halal SME context, particularly in emerging economies.
PERSEPSI REDENOMINASI DAN LITERASI KEUANGAN SYARIAH: IMPLIKASINYA TERHADAP POLA KONSUMSI GENERASI Z Rokhman Abdillah; Alimatul Farida; Muhammad Nizar
Currency (Jurnal Ekonomi dan Perbankan Syariah) Vol. 5 No. 1 (2026): Currency (In Press)
Publisher : LP2M AL-KHAIRAT PAMEKASAN

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.32806/currency.v5i1.1923

Abstract

Digitalisasi sistem pembayaran secara fundamental mengubah perilaku ekonomi Generasi Z. Wacana redenominasi mata uang menimbulkan kekhawatiran tentang bias ilusi uang, di mana nominal yang disederhanakan dapat memicu konsumsi impulsif. Studi ini bertujuan untuk menganalisis implikasi persepsi ilusi uang dan literasi keuangan digital syariah terhadap pola konsumsi Generasi Z di Kabupaten Pasuruan. Penelitian kuantitatif ini menggunakan sampel purposif sebanyak 104 responden. Analisis data menggunakan regresi linier berganda. Hasil parsial menunjukkan bahwa ilusi uang tidak berpengaruh signifikan terhadap pola konsumsi. Hal ini menunjukkan bahwa kebiasaan transaksi tanpa uang tunai yang menampilkan nominal ringkas pada aplikasi membangun kekebalan kognitif. Sebaliknya, literasi keuangan digital syariah memiliki pengaruh positif dan signifikan, bertindak sebagai mekanisme pengendalian diri yang efektif untuk mencegah perilaku boros. Secara bersamaan, kedua variabel tersebut memengaruhi pola konsumsi dengan koefisien determinasi sebesar 15,5 persen. Studi ini menyiratkan bahwa pendidikan literasi keuangan merupakan prasyarat penting sebelum menerapkan kebijakan redenominasi untuk menjaga rasionalitas daya beli di era digital.