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Rifadli D Kadir
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rkadir@iaingorontalo.ac.id
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+6281243160577
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rkadir@iaingorontalo.ac.id
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Kampus 2, Jl. Sultan Amai, No. 1, Ds. Pone, Kec. Limboto Barat, Kab. Gorontalo, Prov. Gorontalo, Indonesia 96215.
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INDONESIA
Mutanaqishah: Journal of Islamic Banking
Published by Institut Agama Islam Negeri Sultan Amai Gorontalo
ISSN : -     EISSN : 28078500     DOI : https://doi.org/10.54045/mutanaqishah
Core Subject : Economy,
Economics, Econometrics & Finance
Mutanaqishah: Journal of Islamic Banking published in online, published by Department of Islamic Banking, Faculty of Islamic Economics and Business, IAIN Sultan Amai Gorontalo. Mutanaqishah contains the results of field research and library research or the results of thoughts about banking and Islamic banking. Mutanaqishah functions as a place for academics, scientists, researchers, practitioners and industry to share views on banking and Islamic banking as outlined in scientific papers. This Journal Published every June and December. The main focus of the Mutanaqishah: Journal of Islamic Banking is Islamic Banking, Banking, Non-Bank Financial Institutions, Islamic Bank Information Systems, Islamic Bank Accounting, Islamic Bank Audit, Islamic Bank Management, Islamic Banking Risk Management, Marketing Management of Islamic Banking, Islamic Bank Law Design, Islamic Bank Liquidity Management, Financial Statement Analysis Islamic Banking, Islamic Banking Ethics.
Arjuna Subject : Ilmu Ekonomi, Ekonometrika dan Keuangan (semua kategori) - Ilmu Ekonomi, Ekonometrika dan Keuangan (Lain-Lain)
Articles 12 Documents
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Search results for , issue "Vol. 5 No. 1 (2025): January - June" : 12 Documents clear
The Effect of Green Banking Performance and Service Quality on Customer Satisfaction Using Mobile Banking Fitri Rahmadila; Ridwansyah; Weny Rosilawati
Mutanaqishah: Journal of Islamic Banking Vol. 5 No. 1 (2025): January - June
Publisher : Department of Islamic Banking

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.54045/mutanaqishah.v5i1.2611

Abstract

Purpose – This inquiry aims to examine the impact of Green Banking performance and service quality on customer satisfaction using Mobile Banking. Methodology - In this inquiry using the type of primary data by survey method, which makes a questionnaire with questions related to research. The data analysis technique used is multiple linear regression analysis. This technique is useful to find out the impact of several independent elements on the dependent element analyzed through SPSS version 29. Findings – Based on the results obtained that the performance of green banking and service quality significantly affect customer satisfaction. Together, green banking performance and service quality have a significant influence on customer satisfaction using mobile banking. Implications – The results of this inquiry will provide recommendations on the association between the performance of green banking and mobile banking is increasingly crucial in the context of digital transformation in the banking sector that focuses on sustainability. Originality – This inquiry provides insights to increase attention to the concept of sustainability in the modern banking world, especially in the application of green banking.
The Impact of Cost-to-Income Ratio, Net Benefit, and Operating Expenses on Islamic Commercial Bank Loss Reserves Annisa Anggraini; Fatih Fuadi; Is Susanto
Mutanaqishah: Journal of Islamic Banking Vol. 5 No. 1 (2025): January - June
Publisher : Department of Islamic Banking

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.54045/mutanaqishah.v5i1.2614

Abstract

Purpose – This study aims to examine the influence of Cost to Income Ratio (CIR), Net benefit (NI) and operating expenses operating income (BOPO) on the impairment loss reserve (CKPN). Methodology – In this study, the sample determination was carried out for 5 years. Determination of sample criteria using purposive sampling method, which is a sampling technique derived from certain criteria and obtained a sample of 6 banks so that the total number of samples is 30 samples. The method used is regression analysis of panel data using Random Influence Model approach analyzed through software Eviews 10. Findings – Derived from upshots of the study can be obtained that the partial Cost to Income Ratio has a significant influence on CKPN. Net rewards significant influence on CKPN. Operating expenses operating income has no significant influence on CKPN. Simultaneously Cost to Income Ratio, Net benefits and operating expenses operating income has a significant influence on CKPN in Sharia commercial banks registered with the Financial Services Authority for the period 2019-2023. In Islamic business management, efficiency (CIR and BOPO), transparency and benefit optimize halal income (NI) and maintain financial stability in accordance with sharia values. Implications – Upshots of this study provide recommendations to each bank in facing different credit risk challenges, both in terms of financing portfolio characteristics, risk mitigation strategies, and financial management policies. Originality – This study provides insight into the importance of risk management in Islamic banking, especially in managing impairment losses (CKPN) as a mitigation measure against potential financing risks.  

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