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Sumadi
Institut Teknologi Bisnis AAS Indonesia
Economics, Econometrics & Finance Social Sciences

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IMPLEMENTASI NILAI-NILAI SYARIAH DALAM PELAYANAN PEMBIAYAAN PERUMAHAN Kajian Fenomenologis pada BTN Syariah Solo : Kajian Fenomenologis pada BTN Syariah Solo Hisyam Mubarok; Agus Marimin; Sumadi
Jurnal Ilmiah Ekonomi Islam Vol. 12 No. 3 (2026): Jurnal Ilmiah Ekonomi Islam
Publisher : ITB AAS INDONESIA Surakarta

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.29040/jiei.v12i3.19678

Abstract

This study aims to analyze the implementation of Sharia values in housing financing services at BTN Syariah Solo using a phenomenological approach. The research employed a qualitative, phenomenological design to understand the experiences and meanings constructed by customers and employees regarding Islamic housing financing services. Data were collected through in-depth interviews, observations, and documentation, and analyzed using Moustakas’ phenomenological framework, including epoche, horizontalization, clustering themes, textural description, and structural description. The findings reveal that the implementation of Sharia values is reflected in the use of Sharia-compliant contracts, supervision by the Sharia Supervisory Board (DPS), transparent information practices, and service practices grounded in honesty and justice. The phenomenological findings indicate that customers perceive Islamic housing financing not merely as a means of acquiring a house but also as a way to attain inner peace (tuma’ninah) and blessings in family life. However, limited Islamic financial literacy remains a challenge, as some customers still struggle to distinguish between profit margins and conventional interest. Furthermore, service digitalization has been perceived as an important factor in enhancing transparency, accountability, and customer trust in Islamic banking institutions. This study highlights that the success of Islamic service delivery is determined not only by compliance with Sharia regulations and contracts but also by the institution’s ability to provide spiritual, educational, and social benefits that customers genuinely experience.
Analisis hukum syari'ah terhadap praktik jual beli online di Indonesia Anom Sudibyo Raharjo; Sumadi; Muhammad Tho’in
Jurnal Ilmiah Ekonomi Islam Vol. 12 No. 3 (2026): Jurnal Ilmiah Ekonomi Islam
Publisher : ITB AAS INDONESIA Surakarta

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.29040/jiei.v12i3.19687

Abstract

The rapid development of information technology has increased the use of online buying and selling through digital platforms. This study aims to analyze the conformity of online trading practices in Indonesia with Islamic legal principles. The research employs a normative-empirical legal method with a descriptive qualitative approach. Data were collected through observation, interviews, documentation, and library research based on the Qur’an, Hadith, DSN-MUI fatwas, and fiqh muamalah literature. The findings indicate that online transactions generally meet the essential elements and requirements of contracts in Islamic law, including the existence of sellers and buyers, the subject of the transaction, prices, and mutual consent expressed through digital media. Digital payment systems are also considered sharia-compliant as long as they do not involve elements of riba, gharar, or maysir. However, several issues remain, including inaccurate product descriptions, delivery delays, and potential fraud. Therefore, improving information transparency, consumer protection, and sharia literacy is necessary to ensure fairer and more sharia-compliant online transactions.
Pengaruh Faktor-faktor Kualitas Pelayanan Terhadap Kepuasan Nasabah di Bank Syariah Indonesia (BSI) KCP Solo Urip Sumoharjo Fatahillah; Muhammad Tho’in; Sumadi
Jurnal Ilmiah Ekonomi Islam Vol. 12 No. 3 (2026): Jurnal Ilmiah Ekonomi Islam
Publisher : ITB AAS INDONESIA Surakarta

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.29040/jiei.v12i3.19718

Abstract

This study aims to analyze the effect of service quality dimensions, namely tangible, reliability, responsiveness, assurance, and empathy, on customer satisfaction at Bank Syariah Indonesia (BSI) KCP Solo Urip Sumoharjo. The study employed a quantitative approach with an explanatory research design. Data were collected through questionnaires distributed to 80 customers selected using a simple random sampling technique. Data analysis was conducted using multiple linear regression, t-test, F-test, and coefficient of determination (R²) with the assistance of SPSS software. The results indicate that service quality simultaneously has a positive and significant effect on customer satisfaction. Partially, all service quality dimensions, including tangible, reliability, responsiveness, assurance, and empathy, have a positive and significant effect on customer satisfaction. Among these dimensions, reliability is the most dominant factor influencing customer satisfaction. The coefficient of determination (R²) of 0.675 indicates that 67.5% of customer satisfaction can be explained by service quality variables, while the remaining 32.5% is influenced by other factors outside the research model. These findings suggest that improving service quality is essential for enhancing customer satisfaction in Islamic banking institutions.
Co-Authors Agus Marimin Anom Sudibyo Raharjo Fatahillah Hisyam Mubarok Muhammad Tho’in