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All Journal JES (Jurnal Ekonomi STIEP) SYNERGY: Jurnal Bisnis dan Manajemen SAUJANA : Jurnal Perbankan Syariah dan Ekonomi Syariah
Dila Istianah
Universitas Sunan Giri Surabaya
Religion Humanities Decision Sciences, Operations Research & Management Economics, Econometrics & Finance Education Social Sciences

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Tinjauan Ekonomi Syariah terhadap Risiko Riba dalam Skema Investasi Emas Imam Mawardi; Dila Istianah
SAUJANA : Jurnal Perbankan Syariah dan Ekonomi Syariah Vol 8 No 2 (2026): SAUJANA : Jurnal Perbankan Syariah dan Ekonomi Syariah
Publisher : STEI Kanjeng Sepuh Gresik Jawa Timur

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.59636/saujana.v8i2.471

Abstract

This study aims to analyze the level of compliance with sharia economic principles and evaluate the potential risk of usury (riba) in gold investment schemes at Pegadaian Syariah (Islamic Pawnshop). Gold investment is a popular financial instrument due to its characteristics as a hedge against inflation. However, from a fiqh muamalah perspective, gold transactions fall into the category of usurious goods, requiring the fulfillment of specific provisions to avoid usury practices. This study uses a qualitative approach with a case study method, as well as a normative analysis of operational practices, types of contracts applied, and transaction mechanisms for gold savings and gold installment products. The results show that gold investment practices at Pegadaian Syariah generally comply with sharia principles through the implementation of murabahah, rahn, and wadiah contracts, as well as supervision by the Sharia Supervisory Board. However, potential risks of usury (riba) can still arise in aspects of administrative costs, late payment penalties, and customer understanding of the concept of sharia-compliant gold ownership. This study emphasizes the importance of strengthening sharia financial literacy and information transparency to ensure gold investment practices remain consistent with the objectives of maqashid sharia.
Pengaruh Kualitas Layanan Terhadap Loyalitas Nasabah Bank Syariah Didit Darmawan; Dila Istianah
SYNERGY: Jurnal Bisnis dan Manajemen Vol 6, No 1 (2026)
Publisher : Pelantar Press

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.52364/synergy.v6i1.93

Abstract

Islamic banks face many challenges in maintaining and enhancing customer loyalty amid a highly competitive banking industry. Service quality is one of the key factors determining customer loyalty toward Islamic banking products and services. This research provides an analysis of how service quality affects customer loyalty in Islamic financial institutions. This study adopts a qualitative descriptive methodology, drawing on existing literature to offer a comprehensive analysis of the impact of service quality on fostering customer loyalty at Islamic banks.. The data analysis results indicate that high-quality service positively and significantly influences loyal customers at Islamic banks. In this context, loyalty means that customers will continue to use the bank’s services, recommend them to others, and choose the Islamic bank as their preferred option. Satisfied customers will make a positive contribution to the bank in the long term by remaining customers of the Islamic bank and recommending others to use their services. As a result, high standars of service are directly linked to an increase in loyal behavior among customers
Pengaruh Brand Trust Terhadap Keputusan Pembelian Air Mineral Santri Didit Darmawan; Dila Istianah
Jurnal Ekonomi STIEP Vol. 11 No. 1 (2026): Jurnal Ekonomi STIEP (JES)
Publisher : Lembaga Penelitian Dan Pengabdian Masyarakat (LPPM) IBE Indonesia

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.54526/jes.v11i1.700

Abstract

Persaingan produk air minum sangat meningkat. Banyaknya pilihan merek, pelanggan tidak mempertimbangkan harga dan kualitas produknya saja, melainkan kepercayaan sebuah merek (brand trust). Kepercayaan ini berkaitan sebuah nilai-nilai Islam, etika produksi, kehalalan dan kualitas produk. Penelitian ini bertujuan mengkaji pengaruh brand trust terhadap keputusan pembelian air mineral Santri. Metode yang digunakan merupakan deskriptif kualitatif yaitu menggunakan berbagai macam studi literatur penelitian terdahulu yang relevan dan diperoleh dari Google Scholar. Data yang dianalisis berasal dari sepuluh artikel ilmiah yang membahas hubungan brand trust dengan keputusan pembelian pada berbagai produk, khususnya air kemasan mineral. Hasil kajian menjabarkan bahwa brand trust berpengaruh positif signifikan terhadap keputusan pembelian. Kepercayaan pelanggan melalui merek terbentuk dari persepsi kualitas, konsistensi produk, kredibilitas produsen dan nilai-nilai yang ada di dalam merek. Dalam air mineral Santri, brand trust menjadi faktor yang semakin penting karena berkaitan dengan nilai religius, kehalalan, dan etika pemasaran Islam. Konsumen tidak hanya memilih produk yang memenuhi kebutuhan fungsional, hanya saja sesuai dengan keyakinan dan nilai yang mereka anut. Dengan demikian, peningkatan brand trust dapat menjadi strategi yang efektif bagi produsen air mineral Santri untuk mendorong keputusan pembelian dalam memberikan peningkatan daya saing produk di pasar.
Co-Authors Didit Darmawan Imam Mawardi