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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 104 Documents
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Transforming Accounting System With Blockchain Technology Implementation Fitriani, Ajeng Pipit
Etihad: Journal of Islamic Banking and Finance Vol. 4 No. 2 (2024)
Publisher : UIN Kiai Ageng Muhammad Besari Ponorogo

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.21154/etihad.v4i2.10069

Abstract

Introduction: The increasing need for transparency and accountability in financial reporting has highlighted significant shortcomings in traditional accounting systems, particularly data manipulation and fraud. This research explores the potential of blockchain technology, a decentralized ledger introduced through Bitcoin, as a transformative solution to these issues. Research Methods: This study uses a qualitative descriptive design because this study describes the details and interprets the initial data, symptoms and phenomena obtained during the study. This study is a qualitative study using a library research approach. Results: The findings demonstrate that blockchain can significantly improve data reliability through its key features, including immutability, decentralization, transparency, and enhanced security. Furthermore, blockchain offers operational efficiencies in financial reporting, mainly through transaction automation, real-time auditability, and cost reduction. Conclusion: This study finds that Blockchain provides data reliability assurance through an immutable and distributed system, minimizing the risk of data manipulation or fraud.
Analysis Cost of Fund, Cost of Loanable Fund, and Overhead Cost on Mudharabah Profit Sharing at Islamic Commercial Banks Apriliyani, Lisa; Yahya, Alvin
Etihad: Journal of Islamic Banking and Finance Vol. 5 No. 1 (2025)
Publisher : UIN Kiai Ageng Muhammad Besari Ponorogo

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.21154/etihad.v5i1.9890

Abstract

Introduction: The operations of Islamic banks are based on the mudharabah profit-sharing system, which governs both fund collection and distribution. This system often leads to higher operational costs compared to conventional banks. The study aims to analyze the mudharabah profit-sharing ratio by examining the Cost of Funds (COF), Cost of Loanable Funds (COLF), and Overhead Costs (OHC). Research Methods: This study uses secondary data from published financial reports, with 40 samples taken from annual reports for the 2020–2023 period. The data are analyzed using descriptive analysis, classical assumption tests, and multiple linear regression to measure the effect of each variable. Results: The results show that COF has a significant negative effect on mudharabah profit sharing, COLF has no significant effect, while OHC has a significant positive effect. Conclusion: Efficient management of funding and overhead costs is essential to enhance the profitability of mudharabah-based Islamic banks. Meanwhile, the cost of loanable funds has no significant role in determining the profit-sharing ratio.
Customer Engagement in Enhancing Customer Loyalty: Empirical Evidence Non-Muslim Customers of Bank Syariah Indonesia (BSI) KCP Tomoni Yusuf, Hardianti; Ginanjar, Muh.; Arlinda, Mutiara
Etihad: Journal of Islamic Banking and Finance Vol. 5 No. 1 (2025)
Publisher : UIN Kiai Ageng Muhammad Besari Ponorogo

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.21154/etihad.v5i1.10427

Abstract

Introduction: One of the strategies implemented to engage customers is the application of the customer engagement concept. The purpose of this research is to analyze the customer engagement strategy's impact on the loyalty of non-Muslim customers at Bank Syariah Indonesia (BSI) KCP Tomoni. Research Methods: The research method employed in this study is qualitative research from a phenomenological perspective. The findings derived from in-depth interviews will then be analyzed using the Interpretative Phenomenological Analysis (IPA) method.  Results: The implementation of customer engagement with the indicators of cognitive attachment, attitudinal attachment, and behavioral attachment can foster a sense of loyalty among non-Muslim customers towards BSI KCP Tomoni. Conclusion: The customer engagement strategy at BSI KCP Tomoni effectively enhances non-Muslim customer loyalty through cognitive, attitudinal, and behavioral dimensions. This study underscores the importance of inclusive and customer-centered approaches in Islamic banking to sustain loyalty across diverse segments.
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.
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.
Implementation of Sharia Marketing to increase Millennial Interest in Financing: Evidence on BSI Dharmawangsa Branch Office Yudha, Ana Toni Roby Candra; Zulfiah, Hilya; Atho'illah, Akh. Yunan
Etihad: Journal of Islamic Banking and Finance Vol. 4 No. 1 (2024)
Publisher : UIN Kiai Ageng Muhammad Besari Ponorogo

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.21154/etihad.v4i1.8583

Abstract

Bank Syariah Indonesia (BSI provides BSI Griya Simuda financing that has been tailored to the needs and abilities of the millennial generation. Marketing carried out in Islamic financing must be in accordance with the provisions of Islamic sharia. So this research aims to find out the implementation and evaluation of online and offline sharia marketing in increasing millennial interest in financing of BSI Griya Simuda.. Research Methods: This research approach uses a qualitative approach, by analysing data obtained from interviews, observation and documentation. Results:  The results of this research show that in marketing BSI Griya Simuda financing in managerial and operational had carried out online and offline have applied the principles of sharia marketing and the characteristics of sharia marketing, namely theistic (rabbaniyyah), ethical (akhlaqiyyah), realistic (al-waqiyyah) and humanitis (al-insaniyah). Conclusion:Then the results of the evaluation found that the millennial generation's interest in BSI Griya Simuda financing is good, but in marketing there are obstacles and challenges, namely there are still efforts to compare conventional banks with Islamic banks in terms of prices and products. 
PRODUCT Product and Service Development Strategies on Murabahah Contracts to Improve The Existence of BMT Hasanah Mukaromah, Ni`matul Fitria; Rofiah, Khusniati; Futaqi, Faruq Ahmad
Etihad: Journal of Islamic Banking and Finance Vol. 4 No. 1 (2024)
Publisher : UIN Kiai Ageng Muhammad Besari Ponorogo

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.21154/etihad.v4i1.8962

Abstract

Introduction: Many financial institutions have developed in Ponorogo, conventional and sharia. BMT Hasanah is present as a Sharia microfinance institution that often helps households and UMKM. Even though there is much competition, BMT Hasanah can continue to show its existence. This research aims to determine product and service development strategies, especially in murabahah contracts. Research Methods: This research aims to determine product and service development strategies, especially in murabahah contracts. The research uses a qualitative approach using primary data in the form of interviews and observations and secondary data obtained from archival documents and the internet. Results: The results of this research show that BMT Hasanah is responsive in responding to customer product requests. The murabahah products provided are always up to date with straightforward guarantees. Apart from that, BMT Hasanah provides maximum service in terms of installment payments. Customers are visited using a pick-up system and also serve an installment system by transfer. Conclusion: With this strategy, BMT Hasanah not only increases competitiveness and revenue but also increases customer satisfaction, which ultimately strengthens its existence.

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