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All Journal Risalah Iqtisadiyah Al-Infaq : Jurnal Ekonomi Islam
Afifah, Afina Ayu
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Religion Economics, Econometrics & Finance Education Mathematics

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Kualitas Layanan, Harga dan Religiusitas Terhadap Minat Beli Produk Pembiayaan Murabahah Studi Kasus PT. BPRS Madina Mandiri Sejahtera Yogyakarta Afifah, Afina Ayu; Salam, Abdul
Risalah Iqtishadiyah Vol 2 No 1 (2023): January - June 2023
Publisher : Risalah Iqtisadiyah: Journal of Sharia Economics, Sharia Economics Study Program, STEI Ar Risalah Sumatera Barat

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.59107/ri.v2i1.26

Abstract

The development of Islamic Banking, especially Islamic People's Financing Banks in Indonesia is currently quite significant, this can trigger competition that offers murabahah financing products. With the existence it is hoped that it can improve the economy of the middle and lower classes of society. The purpose of this study was to find out how the influence of service quality, price and religiosity on the intention to buy Murabahah financing products at PT. BPRS Madina Mandiri Sejahtera Yogyakarta. This study used a quantitative with a cross section approach. There’s 90 samples customers BPRS Madina 2022 using the Yamane formula and processed by E-views 12.0. This research uses data analysis techniques used classical assumption tests, multiple linear regression, partial tests (t), simultaneous tests (f), and coefficient of determination (R2). The results of this study based on the (t) and (f) tests show that service quality has a positive and significant, price has a negative and religiosity has significant. Then the R square value of 0,25 indicates that the independent variable is able to influence the dependent variable by 25%. While the remaining 75% is explained by other variables outside this study.
DOES IT PAY TO BE TECHNICALLY EFFICIENT? EFFICIENCY AND PROFITABILITY IN INDONESIAN ISLAMIC RURAL BANKS WITH CONTROL VARIABLE MACRO ECONOMICS AND BANK CHARACTERISTICS Wibowo, Febrian Wahyu; Sujono, Rusny Istiqomah; Layli, Meutia; Afifah, Afina Ayu
Al-Infaq: Jurnal Ekonomi Islam Vol. 13 No. 1 (2022): MARET
Publisher : Fakultas Agama Islam, Universitas Ibn Khaldun Bogor

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Abstract

BPRS is part of the banking system which has become large enough for Indonesia's economy, which tend to have more actively market their products in traditional markets or in the village, from the results of these remittances bank profit or advantage. With pengefektifan in gathering together and channelling of funds then it will get the maximum profit. Therefore this research aims to analyze the effect of efficiency and profitability of the BPRS in Indonesia. This research analysis tools using a Random Effect Regression (GLS) and use the data panel the secondary data obtained from Bank Indonesia audit of financial reports to see the big profitability is influenced by efficiency. This research uses elements of the crosssectional reflected by different banks in Indonesia and time series element reflected in the period in the period 2010-2016 in Indonesia. The findings in this study said that influential positive Efficiency significantly to the level of profitability of the BPRS in Indonesia.
Co-Authors Meutia Layli Rusny Istiqomah Sujono Wibowo, Febrian Wahyu