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Fitra Rizal
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Fakultas Ekonomi dan Bisnis Islam IAIN Ponorogo Kampus II Jenangan Ponorogo Jawa Timur Indonesia 63492 Telp. (0352) 3576565 Fax. (0352) 3591451 E-mail: etihad@iainponorogo.ac.id
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Etihad: Journal of Islamic Banking and Finance
Published by Institut Agama Islam Negeri Ponorogo
ISSN : 2807730X     EISSN : 28076915     DOI : https://doi.org/10.21154/etihad
Core Subject : Religion, Economy, Humanities, Social,
Religion Humanities Economics, Econometrics & Finance Social Sciences
Etihad: Journal of Islamic Banking and Finance accepts original manuscripts in Islamic banking and finance (covering bank and non-bank financial institutions), manuscripts in the form of research reports, case reports, theory application, critical studies and literature reviews.
Arjuna Subject : Ilmu Ekonomi, Ekonometrika dan Keuangan (semua kategori) - Ilmu Ekonomi, Ekonometrika dan Keuangan (Lain-Lain)
Articles 14 Documents
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Search results for , issue "Vol. 3 No. 2 (2023)" : 14 Documents clear
How are Muslims Interested in Using Sharia Insurance? Empirical Study of Karanganyar Community in Indonesia Jannah, Fadzkhul; Sukardi, Budi
Etihad: Journal of Islamic Banking and Finance Vol. 3 No. 2 (2023)
Publisher : UIN Kiai Ageng Muhammad Besari Ponorogo

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.21154/etihad.v3i2.7369

Abstract

Introduction: Indonesia is a densely populated country where most of the population is Muslim. These conditions, such as Sharia insurance, can be an excellent opportunity for the Sharia sector. However, in general, the development of the sharia sector is not as significant as the development of conventional finance. Research Methods: This study is quantitative. Used in this research is the descriptive quantitative method. The number of samples in this study was 83 respondents. Respondents in this study were the Muslim community of Karanganyar. The sampling technique used is probability sampling, namely, giving questionnaires to respondents. The tests used to prove and analyse the data are validity, reliability, classical assumption, model determination, multiple linear regression, F-test, and t-test. Results: This study approves that religiosity, knowledge, income, and promotion positively affect the Muslim community's interest in using Sharia insurance in Karanganyar community, Central Java, Indonesia. Conclusion: Religiosity and promotion positively and significantly affect the Muslim community's interest in using Sharia insurance. Knowledge and income do not positively affect the Muslim community's interest in using Sharia insurance.
How are Muslims Interested in Using Sharia Insurance? Empirical Study of Karanganyar Community in Indonesia Jannah, Fadzkhul; Sukardi, Budi
Etihad: Journal of Islamic Banking and Finance Vol. 3 No. 2 (2023)
Publisher : Institut Agama Islam Negeri Ponorogo

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.21154/etihad.v3i2.7369

Abstract

Introduction: Indonesia is a densely populated country where most of the population is Muslim. These conditions, such as Sharia insurance, can be an excellent opportunity for the Sharia sector. However, in general, the development of the sharia sector is not as significant as the development of conventional finance. Research Methods: This study is quantitative. Used in this research is the descriptive quantitative method. The number of samples in this study was 83 respondents. Respondents in this study were the Muslim community of Karanganyar. The sampling technique used is probability sampling, namely, giving questionnaires to respondents. The tests used to prove and analyse the data are validity, reliability, classical assumption, model determination, multiple linear regression, F-test, and t-test. Results: This study approves that religiosity, knowledge, income, and promotion positively affect the Muslim community's interest in using Sharia insurance in Karanganyar community, Central Java, Indonesia. Conclusion: Religiosity and promotion positively and significantly affect the Muslim community's interest in using Sharia insurance. Knowledge and income do not positively affect the Muslim community's interest in using Sharia insurance.
Strategies for Handling Problematic Murabaha Financing at Bank Syariah Indonesia Cipto Sub Branch Office Mulyana, Rijal Assidiq; Maharani, Silviya
Etihad: Journal of Islamic Banking and Finance Vol. 3 No. 2 (2023)
Publisher : Institut Agama Islam Negeri Ponorogo

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.21154/etihad.v3i2.7375

Abstract

Introduction: The large public interest in murabahah financing at Shariah Bank requires the bank to have a strategy for handling problematic financing. The research was conducted at Bank Syariah Indonesia Cipto Cirebon Sub Branch Office to describe the strategy for handling problematic murabaha financing. Research Methods: The research method used was a qualitative method with a case study approach trough observation, structured interviews, and documentation techniques Results: The results obtained indicate that the causes of problematic murabahah financing at Bank Syariah Indonesia Cipto Cirebon Sub Branch Office are not only due to internal factors of the bank but also external factors from the customers themselves, such as the customer's uncontrollable lifestyle, the customer's job loss, the customer's application for another financing, the customer's poor character, and the customer's employment in a less reputable company. The strategy for handling problematic murabahah financing at BSI KCP Cipto Cirebon is to use the prudential principle, which is by analyzing potential customers using the 5C principles, visiting customers' homes, sending warning letters, and the last sending collateral surrender letter. Meanwhile, efforts to prevent problematic business financing carried out by BSI KCP Cipto Cirebon are by forming a financing committee that aims to analyze and evaluate financing, discuss with all financing units, and avoid the causes of previous financing problems. Conclusion: The research findings are expected to serve as a basis for discussion to discover and formulate the best approach in handling problematic murabaha financing cases.
Islamic Financial Inclusion and Economic Growth: a case study in East Kalimantan Rahmah, Fitria
Etihad: Journal of Islamic Banking and Finance Vol. 3 No. 2 (2023)
Publisher : Institut Agama Islam Negeri Ponorogo

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.21154/etihad.v3i2.7559

Abstract

Introduction: Stability in the financial system is a component that can stimulate economic expansion. However, this cannot be accomplished if only a minority of the population has access to the financial system's intermediation function. This may be due to a lack of access, information, or even public awareness of the use of financial services. The objective of this study is to ascertain the extent of inclusivity in East Kalimantan and examine how it influences the region's economic development. Therefore, financial inclusion plays a crucial role in fostering economic expansion by establishing stable financial conditions. Research Methods: The Vector Error Correction Model is applied to analyze data obtained from Sharia Banking Statistics (SPS OJK) and Central Statistics Agency (BPS) publications, in addition to other corroborating sources, for the purpose of this quantitative study. Results: The research findings indicate that the degree of Islamic financial inclusion in East Kalimantan was low in 2017 and 2018, but reached a high level in 2019, 2020, and 2021.   Conclusion: The immediate impact of Islamic financial inclusion on economic growth in East Kalimantan is substantial.   Nevertheless, over the 2017-2021 period, there is no substantial impact on the level of Islamic financial inclusion and economic growth in East Kalimantan in the long run.
Implementation of Good Corporate Governance Principles in Bank Syariah Indonesia Nganjuk Sub-Branch Mawadah, Nurmaika Nasyiati; Marsudi, Kenlies Era Rosalina
Etihad: Journal of Islamic Banking and Finance Vol. 3 No. 2 (2023)
Publisher : Institut Agama Islam Negeri Ponorogo

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.21154/etihad.v3i2.7602

Abstract

Introduction: Insufficient implementation of Good Corporate Governance (GCG) is the cause of financial instability which has an impact on deteriorating bank financial performance and causes failure in GCG implementation. This research aims to find out what factors support and hinder the implementation of GCG in Bank Syariah Indonesia Ahmad Yani Nganjuk Sub-Branch. Research Methods: This research uses qualitative research with a descriptive qualitative approach. The data collection methodology consists of observation, interviews and documentation supported by secondary data sourced from the BSI Syariah website. Result: The results of this research show that the implementation of the five GCG principles can be described as follows: the company is transparent in providing various services, various provisions regarding corporate responsibility have been made and implemented. Fairness indicators have also been given great attention in various aspects. However, in the principles of accountability and professionalism, there are still obstacles, including employees not being punctual and not being disciplined regarding their respective job descriptions. Conclusion: The conclusion of this research is that Bank Syariah Indonesia Nganjuk sub-branch has implemented GCG principles even though there are still several factors that cause some indicators to not be optimal. It is necessary to carry out training, evaluation and work monitoring for employees.
Factors Influencing Customer Satisfaction: Empirical Study at Bank Muamalat Madiun Branch Puspitasari, Rinda Eka; Nisak, Khoirun
Etihad: Journal of Islamic Banking and Finance Vol. 3 No. 2 (2023)
Publisher : Institut Agama Islam Negeri Ponorogo

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.21154/etihad.v3i2.7713

Abstract

Introduction: Customer satisfaction aims to create, rectify, and maintain customers' loyalty towards a bank and its products. When customers feel satisfied, they are more likely to repeat purchases with the bank and recommend them to others. Research Methods: This study aims to determine whether excellent service, product quality, and complaints handling influence customer satisfaction at Bank Muamalat Madiun Branch. The research employs a quantitative approach, utilizing primary data collected through questionnaires distributed to 100 respondents, a sample from the total population of 8,920 savings account holders at Bank Muamalat Madiun Branch. Hypothesis testing is conducted using multiple regression analysis with the assistance of SPSS 21 for Windows. Results: The findings reveal that excellent service, product quality, and complaints handling positively and significantly impact customer satisfaction at Bank Muamalat Madiun Branch. This supports the assumption that satisfied customers are more likely to engage in repeat transactions and recommend the bank to others. Conclusion: The implications of this research can serve as a strategic foundation for Bank Muamalat to enhance its services, product quality, and customer complaint resolution, fostering customer satisfaction and supporting sustained long-term growth.
Factors that Influence to Costumers Sharia Bank Loyalty: An Empirical Study of Students at Universitas Darussalam Gontor Ponorogo Rofiqo, Azidni; Wicaksana, Febrian Arif; Abd Razak, Abdurrizqi Bin
Etihad: Journal of Islamic Banking and Finance Vol. 3 No. 2 (2023)
Publisher : Institut Agama Islam Negeri Ponorogo

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.21154/etihad.v3i2.7774

Abstract

Introduction: The purpose of this research is to predict customer satisfaction, customer perceived value, and customer Islamic religiosity on Sharia bank customer loyalty. Research Methods: The research used a quantitative approach with 140 respondents who were Sharia bank customers, specifically students at Universitas Darussalam Gontor, Ponorogo. A Likert scale of 1-5 was employed for measurement, and partial least squares–structural equation modeling was used to analyze the data. Results: The results of this research demonstrate that customer satisfaction, perceived value, and Islamic religiosity have a significantly positive impact on Sharia bank customer loyalty. Conclusion: To build and maintain customer loyalty, Islamic banks must leverage customer satisfaction, value, and religiosity by offering a variety of Sharia-based products and services that truly differentiate them from conventional banks.
Contribution of Sharia Banks to the Indonesian Economy Rizal, Fitra
Etihad: Journal of Islamic Banking and Finance Vol. 3 No. 2 (2023)
Publisher : Institut Agama Islam Negeri Ponorogo

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.21154/etihad.v3i2.9597

Abstract

Introduction: Banks, as financial intermediaries, have a strategic role in driving the economy. This research analyzes the influence of third-party funds and working capital financing of Sharia commercial banks on the Indonesian economy. Research Methods: The research method is quantitative by conducting multiple linear regression tests. The data type used is secondary data from 2015 to 2022, with a sample size of 13 Islamic commercial banks in Indonesia. This data was obtained from BI and OJK reports. Results: The research results show that; There is a significant influence between the Third Party Funds variable on Gross Domestic Product. There is a significant influence between the Working Capital Financing variable on the Gross Domestic Product. And together the variables Third Party Funds and Working Capital Financing have a significant influence on Gross Domestic Product. With a coefficient of determination value of 91.8 percent. Conclusion: This shows that Islamic banks have a real contribution to economic growth in Indonesia. So management and the government must improve bank performance so that the circulation of funds in banks runs smoothly, people's production activities increase, the use of labor is maximized, and ultimately the Indonesian economy improves.
Contribution of Sharia Banks to the Indonesian Economy Rizal, Fitra
Etihad: Journal of Islamic Banking and Finance Vol. 3 No. 2 (2023)
Publisher : UIN Kiai Ageng Muhammad Besari Ponorogo

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.21154/etihad.v3i2.9597

Abstract

Introduction: Banks, as financial intermediaries, have a strategic role in driving the economy. This research analyzes the influence of third-party funds and working capital financing of Sharia commercial banks on the Indonesian economy. Research Methods: The research method is quantitative by conducting multiple linear regression tests. The data type used is secondary data from 2015 to 2022, with a sample size of 13 Islamic commercial banks in Indonesia. This data was obtained from BI and OJK reports. Results: The research results show that; There is a significant influence between the Third Party Funds variable on Gross Domestic Product. There is a significant influence between the Working Capital Financing variable on the Gross Domestic Product. And together the variables Third Party Funds and Working Capital Financing have a significant influence on Gross Domestic Product. With a coefficient of determination value of 91.8 percent. Conclusion: This shows that Islamic banks have a real contribution to economic growth in Indonesia. So management and the government must improve bank performance so that the circulation of funds in banks runs smoothly, people's production activities increase, the use of labor is maximized, and ultimately the Indonesian economy improves.
Strategies for Handling Problematic Murabaha Financing at Bank Syariah Indonesia Cipto Sub Branch Office Mulyana, Rijal Assidiq; Maharani, Silviya
Etihad: Journal of Islamic Banking and Finance Vol. 3 No. 2 (2023)
Publisher : UIN Kiai Ageng Muhammad Besari Ponorogo

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.21154/etihad.v3i2.7375

Abstract

Introduction: The large public interest in murabahah financing at Shariah Bank requires the bank to have a strategy for handling problematic financing. The research was conducted at Bank Syariah Indonesia Cipto Cirebon Sub Branch Office to describe the strategy for handling problematic murabaha financing. Research Methods: The research method used was a qualitative method with a case study approach trough observation, structured interviews, and documentation techniques Results: The results obtained indicate that the causes of problematic murabahah financing at Bank Syariah Indonesia Cipto Cirebon Sub Branch Office are not only due to internal factors of the bank but also external factors from the customers themselves, such as the customer's uncontrollable lifestyle, the customer's job loss, the customer's application for another financing, the customer's poor character, and the customer's employment in a less reputable company. The strategy for handling problematic murabahah financing at BSI KCP Cipto Cirebon is to use the prudential principle, which is by analyzing potential customers using the 5C principles, visiting customers' homes, sending warning letters, and the last sending collateral surrender letter. Meanwhile, efforts to prevent problematic business financing carried out by BSI KCP Cipto Cirebon are by forming a financing committee that aims to analyze and evaluate financing, discuss with all financing units, and avoid the causes of previous financing problems. Conclusion: The research findings are expected to serve as a basis for discussion to discover and formulate the best approach in handling problematic murabaha financing cases.

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