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Ar-Rihlah : Jurnal Keuangan dan Perbankan Syariah
Published by Universitas Suryakancana
ISSN : 27758184     EISSN : 27758176     DOI : 10.35194/arps.v2i1.2323
Core Subject : Economy, Education,
Economics, Econometrics & Finance Education
Ar-Rihlah : Jurnal Keuangan dan Perbankan Syariah is an open access peer-reviewed online journal that provides a forum for sharing scientific studies on Islamic finance and banking. Editors welcome articles and research reports that address current issues such as: islamic finance, sharia business, sharia banking and sharia management.
Arjuna Subject : Ilmu Ekonomi, Ekonometrika dan Keuangan (semua kategori) - Ilmu Ekonomi, Ekonometrika dan Keuangan (Lain-Lain)
Articles 5 Documents
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Search results for , issue "Vol. 6 No. 01 (2026): MAY" : 5 Documents clear
PERCEPTION OF THE PUBLIC TOWARD SHARIA PAWNING (RAHN) PRODUCTS AS A FINANCIAL ALTERNATIVE 'Aliyah, Aghnat
Ar-Rihlah : Jurnal Keuangan dan Perbankan Syariah Vol. 6 No. 01 (2026): MAY
Publisher : Universitas Suryakancana

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Abstract

ABSTRACTThis study aims to analyze public perception of Islamic pawn (rahn) products as a financial alternative. The research employs a quantitative approach, with surveys as the primary data collection instrument. The findings reveal that the public perceives Islamic pawn products as a fair and Sharia-compliant solution, especially for those with limited access to conventional financial institutions. Key factors influencing acceptance include public understanding of the rahn concept, trust in Islamic institutions, and operational transparency. This study aims to provide recommendations for Islamic financial institutions to enhance public literacy and trust in rahn as part of financial inclusion. Keywords: Islamic Pawn, Rahn, Public Perception, Financial Alternative, Financial Inclusion
THE EFFECT OF SERVICE QUALITY AND PROMOTION ON THE DECISION TO BECOME A CUSTOMER WITH SATISFACTION AS AN INTERVENING VARIABLE AT BSI KCP MADIUN Maulina, Latiffa Norria; Fitriani, Ajeng Pipit
Ar-Rihlah : Jurnal Keuangan dan Perbankan Syariah Vol. 6 No. 01 (2026): MAY
Publisher : Universitas Suryakancana

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Abstract

This study aims to analyze the effect of service quality and promotion on the decision to become a customer at Bank Syariah Indonesia KCP Madiun, with satisfaction as an intervening variable. This research uses a quantitative approach, which emphasizes numerical data measurement and statistical analysis to test hypotheses or answer research questions using a survey method, where data were collected through the distribution of questionnaires to 100 respondents who are customers of BSI KCP Madiun. Data analysis was conducted using multiple linear regression with the help of SPSS software. The analysis procedures include validity testing, reliability testing, classical assumption testing, t-test, F-test, and coefficient of determination (R²). The results show that service quality has a significant effect on the decision to become a customer as well as on satisfaction. On the other hand, promotion has a significant effect on the decision to become a customer but does not affect satisfaction. Furthermore, satisfaction has a significant effect on the decision to become a customer. However, satisfaction is able to mediate the relationship between service quality and the decision to become a customer, but it does not mediate the relationship between promotion and the decision to become a customer.
THE EFFECT OF PRICE FLUCTUATIONS AND SALES PROMOTION ON REPEAT USAGE OF GOLD INSTALLMENT PRODUCTS AT BSI KC MADIUN AGUS SALIM Zaind, Lauh Mahfudha
Ar-Rihlah : Jurnal Keuangan dan Perbankan Syariah Vol. 6 No. 01 (2026): MAY
Publisher : Universitas Suryakancana

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Abstract

This study was conducted at Bank Syariah Indonesia Madiun Branch Office and aims to examine the effect of gold price fluctuations and sales promotion on repeat usage of the gold installment product. The type of research method used is quantitative. The population in this study consists of gold installment customers at BSI Madiun Branch, with the sampling technique using nonprobability sampling, namely saturated sampling. Data were collected through questionnaires. To test and analyze the data, validity and reliability tests, classical assumption tests, regression analysis, coefficient of determination, and hypothesis testing were employed. The results of this study indicate that gold price fluctuations (X1) and promotion (X2) have a partial and significant effect on repeat usage (Y) in the gold installment product.
THE INFLUENCE OF WORK MOTIVATION AND WORK ENVIRONMENT ON EMPLOYEE PERFORMANCE IN THE HF WELDING DEPARTMENT AT PT PRATAMA ABADI INDUSTRI SUKABUMI Dewi, Tini Kusmayati
Ar-Rihlah : Jurnal Keuangan dan Perbankan Syariah Vol. 6 No. 01 (2026): MAY
Publisher : Universitas Suryakancana

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Abstract

This study is motivated by the importance of employee performance in supporting company productivity, particularly at PT Pratama Abadi Industri Sukabumi in the HF Welding department. The indication of declining performance is suspected to be influenced by suboptimal work motivation and work environment. The purpose of this study is to determine the effect of work motivation (X1) on employee performance (Y), the effect of work environment (X2) on employee performance (Y), and the simultaneous effect of both variables on the performance of employees in the HF Welding department. The research method used is a quantitative approach with a survey technique. The population of this study consists of employees in the HF Welding department, with a sample size of 60 respondents. Data were collected through literature study, observation, interviews, and questionnaires. The analysis techniques include classical assumption tests, multiple regression analysis, coefficient of determination test, and hypothesis testing. The results show that work motivation has a significant effect on employee performance with a t-value (14.464 > 2.000) and a significance level of 0.000 < 0.05. The work environment also has a significant effect with a t-value (5.274 > 2.000) and a significance level of 0.000 < 0.05. Simultaneously, work motivation and work environment have a significant effect on employee performance based on the F-test (4.577 > 3.06). The coefficient of determination (R²) value of 0.798 indicates that both variables explain 79.8% of the variation in employee performance, while the remaining 20.2% is influenced by other factors outside this study.
THE EFFECT OF FINANCING QUALITY, OPERATIONAL EFFICIENCY, AND FINANCIAL INCLUSION ON PROFITABILITY WITH SHARIA COMPLIANCE AS A MODERATING VARIABLE Rahmawati, Yunita Zainur
Ar-Rihlah : Jurnal Keuangan dan Perbankan Syariah Vol. 6 No. 01 (2026): MAY
Publisher : Universitas Suryakancana

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Abstract

This study aims to examine the effect of financing quality, operational efficiency, and financial inclusion on profitability with sharia compliance as a moderating variable. Financing quality is proxied by non-performing financing (NPF), operational efficiency is proxied by operating expenses to operating income (BOPO), financial inclusion is proxied by the number of ATMs and the number of branch offices, profitability is proxied by return on assets (ROA), and sharia compliance is proxied by the Islamic income ratio (IsIR). The data collection method uses desk research, with secondary data obtained indirectly from the annual reports of Islamic commercial banks (BUS), publications of the financial services authority (OJK), and supporting literature during the period 2020–2024. The sample consists of eight Islamic commercial banks (BUS) selected using a purposive sampling technique. Data analysis employs descriptive statistical tests, stationarity tests, model feasibility tests, classical assumption tests, hypothesis tests, and moderated regression analysis (MRA), using EViews 12 as the analytical tool. The results show that the NPF variable does not have a significant effect on ROA of Islamic commercial banks, while the BOPO variable and the number of ATMs have a significant negative effect on ROA, and the number of branch offices has a significant positive effect on ROA. Furthermore, the IsIR variable does not moderate the effect of NPF and BOPO on ROA; however, IsIR weakens the effect of the number of ATMs on ROA and strengthens the effect of the number of branch offices on ROA.

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