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Fitra Rizal
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rizal@iainponorogo.ac.id
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etihad@iainponorogo.ac.id
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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
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 : UIN Kiai Ageng Muhammad Besari 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 : UIN Kiai Ageng Muhammad Besari 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 : UIN Kiai Ageng Muhammad Besari 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 : UIN Kiai Ageng Muhammad Besari 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.

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