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INDONESIA
Journal of Institution And Sharia Finance
Published by Institut Agama Islam Negeri Palopo
ISSN : 26546043     EISSN : 26205130     DOI : -
Core Subject : Economy,
Economics, Econometrics & Finance
Journal Of Institution And Sharia Finance compile writing and research on Islamic financial institutions, Islamic banking, sharia business management, strengthening people's economy, Islamic financial management.
Arjuna Subject : -
Articles 5 Documents
 1 
Search results for , issue "Vol. 6 No. 2 (2023): DESEMBER" : 5 Documents clear
PENGARUH LITERASI KEUANGAN SYARIAH DAN PERSONAL RELIGIUS TERHADAP MINAT MENJADI NASABAH BANK SYARIAH INDONESIA Arif Nur Kholbi; Imam Sopingi; Kusnul Ciptanila Yuni Kusuma
Journal of Institution and Sharia Finance Vol. 6 No. 2 (2023): DESEMBER
Publisher : Program Studi Perbankan Syariah, IAIN Palopo

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.24256/joins.v6i2.4711

Abstract

Penelitian ini mengkaji dampak literasi keuangan syariah dan personal religius terhadap minat menjadi nasabah pada Bank Syariah Indonesia. Penelitian ini menggunakan metode kuantitatif dengan uji analisis regresi berganda dan data diolah menggunakan SPSS Versi 22, data dikumpulkan dari nasabah dan non nasabah Bank Syariah Indonesia melalui kuisioner online yang berjumlah 120 responden dengan tingkat literasi keuangan syariah yang berbeda-beda dan tingkat personal religius yang berbeda-beda. Temuan penelitian menunjukkan bahwa literasi keuangan syariah secara parsial berpengaruh positif terhadap minat menjadi nasabah, Variabel Personal religius secara parsial berpengaruh positif terhadap minat menjadi nasabah. Variabel literasi keuangan syariah dan personal religius secara simultan berpengaruh terhadap minat menjadi nasabah Bank Syariah Indonesia. Temuan ini memberikan konstribusi penting dalam pemahaman tentang faktor-faktor yang mempengaruhi minat masyarakat dalam menggunakan layanan keuangan syariah, serta implikasinya dalam pengembangan strategi pemasaran dan edukasi keuangan syariah di Indonesia.
PENGARUH KECUKUPAN MODAL DAN RISIKO PEMBIAYAAN TERHADAP PERTUMBUHAN NET PROFIT BANK UMUM SYARIAH amalia fitriansyah fitriansyah; imam sopingi sopingi; Kusnul Ciptanila Yuni Kusuma
Journal of Institution and Sharia Finance Vol. 6 No. 2 (2023): DESEMBER
Publisher : Program Studi Perbankan Syariah, IAIN Palopo

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.24256/joins.v6i2.4714

Abstract

Pergerakan Net profit tergantung dengan Kecukupan Modal (CAR) dan Risiko Pembiayaan (NPF) suatu bank syariah. Penelitian ini bertujuan untuk mengetahui pengaruh variabel kecukupan modal atau Capital Adequacy Ratio (CAR) dan risiko pembiayaan atau Non Perfoming Financing (NPF) terhadap pertumbuhan Net Profit. Objek penelitian ini yaitu Capital Adequacy Ratio (CAR), Non Perfoming Financing (NPF), dan Net Profit. Net Profit merupakan faktor penting dalam mengukur keberhasilan suatu bank. Penelitian ini menggunakan metode kuantitatif. Teknik pengambilan sampel menggunakan metode purposive sampling. Metode analisis yang digunakan dalam peneliti ini adalah regresi linear berganda dengan bantuan program SPPS. Pengambilan data menggunakan data sekunder dengan publikasi dari OJK, yaitu data statistik Capital Adequacy Ratio (CAR), data statistik Non Perfoming Financing (NPF), dan data statistik Net profit. Hasil penelitian menunjukan secara parsial CAR tidak berpengaruh terhadap pertumbuhan Net Profit dan NPF berpengaruh negatif terhadap pertumbuhan Net Profit. Sedangkan secara simultan berpengaruh signifikan terhadap pertumbuhan Net Profit. Implikasi dari temuan ini adalah pentingnya manajemen keuangan yang bijaksana dalam mengelola modal dan risiko. Perusahaan perlu memperhatikan struktur modalnya untuk memastikan kecukupan yang tepat guna mengatasi risiko bisnis. Selain itu, pemahaman yang mendalam terhadap risiko pembiayaan dapat membantu perusahaan dalam pengambilan keputusan investasi yang lebih cerdas.
Pengaruh Digital Marketing terhadap Minat Beli Produk Skincare Lokal di Kecamatan Belopa Mursyid Mursyid; Bunga Julita
Journal of Institution and Sharia Finance Vol. 6 No. 2 (2023): DESEMBER
Publisher : Program Studi Perbankan Syariah, IAIN Palopo

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.24256/joins.v6i2.4900

Abstract

This study aims to examine how customers' inclination to purchase local skincare products is affected by social media marketing and electronic word-of-mouth. The major objective of this study is to ascertain whether electronic word-of-mouth and social media marketing significantly affect local skincare consumers' propensity to buy items, either individually or collectively. Quantitative research is used, and measures are made using a Liker scale. The population in this study are users of local skincare products in Belopa District with an undetermined population size. 100 respondents made up the sample, which was selected using a straightforward random sampling method and the Lemeshow algorithm. By handing out questionnaires and disseminating them online and in person, survey data was collected. SPSS is used for data processing and analysis methods 24 program tools. The findings of this study demonstrate that there is a significant simultaneous influence between electronic word of mouth and social media marketing on buying interest in local skincare, with a T_count value of 5.331 > T_table 1.985, a partially significant influence of social media marketing on buying interest in local skincare, and a T_count sig value of 5.183 > T_table 1.985.
PENGARUH PRODUK, PELAYANAN DAN AGAMA TERHADAP LAYANAN GADAI EMAS BANK SYARIAH INDONESIA KCP TOMONI Nur Hishaly GA
Journal of Institution and Sharia Finance Vol. 6 No. 2 (2023): DESEMBER
Publisher : Program Studi Perbankan Syariah, IAIN Palopo

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

Abstract

This research discusses the influence of products, services and religion on the gold pawning services of Bank Syariah Indonesia KCP Tomoni. This research aims to partially describe the influence of services, products and religion on the gold pawning services of Bank Syariah Indonesia KCP Tomoni; and also describe the influence of services, products and religion simultaneously on the gold pawning services of Bank Syariah Indonesia KCP Tomoni. The type of research is quantitative research. The population is customers using the gold pawning service of Bank Syariah Indonesia KCP Tomoni. Meanwhile, the sampling technique in this research is Quota Sampling with a sample of 77 customers using the Slovin formula. The data collection technique in this research is by distributing questionnaires to respondents. The results of this research show that: 1) The service variable has a positive and significant effect on the gold pawning service of Bank Syariah Indonesia KCP Tomoni. 2) The product variable has a positive and significant effect on the gold pawning service of Bank Syariah Indonesia KCP Tomoni. 3) The religious variable has a positive and significant effect on the gold pawning services of Bank Syariah Indonesia KCP Tomoni. 4) The variables of service, product and religion simultaneously have a positive and significant effect on the gold pawning service of Bank Syariah Indonesia KCP Tomoni.
FAKTOR-FAKTOR YANG MEMPENGARUHI KUALITAS PELAYANAN APARATUR PADA DINAS KEPENDUDUKAN DAN CATATAN SIPIL KOTA MAKASSAR Andi Irwan Kasim
Journal of Institution and Sharia Finance Vol. 6 No. 2 (2023): DESEMBER
Publisher : Program Studi Perbankan Syariah, IAIN Palopo

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

Abstract

This research aims to analyze the influence of communication competence and professionalism partially and simultaneously on the quality of service for officials at the Makassar City Population and Civil Registry Service. The research method used is quantitative descriptive research. The research sample consisted of 79 respondents. Sampling uses saturated/census sampling, meaning the entire population is used as a sample. The data analysis methods used are data quality test, classical assumption test, multiple linear regression, t test, F test and coefficient of determination. The results of the research show that communication competence partially has a positive and significant effect on the quality of apparatus services, professionalism partially has a positive and significant effect on the quality of apparatus services, communication competence and professionalism simultaneously have a positive and significant effect on the quality of apparatus services.

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