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INDONESIA
I-Finance Journal
Published by Universitas Islam Negeri Raden Fatah Palembang
ISSN : 24768871     EISSN : -     DOI : -
Core Subject : Economy,
Economics, Econometrics & Finance
I-Finance: a Research Journal on Islamic Finance is a peer-reviewed journal on Islamic finance.
Arjuna Subject : -
Articles 154 Documents
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THE ROLE OF ACCOUNT OFFICERS AND LOYALTY TO SAVINGS INTEREST AT KSPPS BMT SURYA RAHARJA SIDAYU Nabilah, Nabilah Anisatuz Zahroh; Wiwik Saidatur Rolianah
I-Finance Journal Vol 11 No 2 (2025): I-FINANCE: a Research Journal on Islamic Finance
Publisher : Fakultas Ekonomi dan Bisnis Islam Universitas Islam Negeri Raden Fatah Palembang, Indonesia

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.19109/ifinance.v11i2.31557

Abstract

This study aims to examine the impact of the role of account officers (X1) and loyalty (X2) on the interest in saving (Y) of members of the BMT Surya Raharja Credit Union, Sidayu branch. The research population consisted of 1,820 active members, with 95 participants selected through purposive sampling. This study used an associative quantitative approach with data collection through a closed questionnaire using a five-point likert scale. Data analysis was performed using SPSS version 25, including validity testing, reliability testing, classical assumption testing, multiple linear regression analysis, and F-tests and t-tests. The results of the study show that both partially and simultaneously, the variables of account officers and loyalty have a significant effect on interest in saving. Account officers play an important role through personal communication, responsive service, and Islamic financial education, while loyalty programs increase member engagement through rewards and incentives. Simultaneously, both variables explain 94.9% of the variation in interest in saving. Referring to these research findings, it can be confirmed that the integration of account officer service quality and loyalty strategies has a significant effect on strengthening the culture of saving and increasing the competitiveness of Islamic microfinance institutions
INTEGRATION OF ISLAMIC IDENTITY-MODERNITY: THE ROLE OF FASHION AND BRAND ON STUDENT HALAL LIFESTYLE Amir Salim; Reni Hariani; Ambrina Rosada
I-Finance Journal Vol 11 No 2 (2025): I-FINANCE: a Research Journal on Islamic Finance
Publisher : Fakultas Ekonomi dan Bisnis Islam Universitas Islam Negeri Raden Fatah Palembang, Indonesia

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.19109/ifinance.v11i2.31861

Abstract

This study highlights the phenomenon of integrating Islamic identity and modernity among the younger generation. This research aims to analyze the influence of fashion trends and brand image in shaping students' halal lifestyle from an Islamic perspective. This study employs a quantitative approach involving a population of 203 students and a sample of 67 respondents. Data analysis techniques include validity and reliability tests, classical assumption tests, multiple linear regression, and hypothesis testing (t-test and F-test). The results indicate that simultaneously, fashion trends and brand image significantly influence the halal lifestyle of female students at the Faculty of Islamic Economics, Universitas Indo Global Mandiri, as evidenced by the calculated F-value (201.068), which is greater than the F-table value (3.985). In conclusion, this study confirms that students are able to integrate values of modernity through brand consumption and fashion trends without abandoning their Islamic identity. This indicates that the halal fashion industry plays a strategic role in facilitating religious expression within the context of a modern lifestyle
E-WOM INFLUENCE ON ACTUAL SAVING BEHAVIOR AT BSI WITH INTEREST AND TRUST MEDIATION Istiqomah, Azizatul; Siswanto; Yayuk Sri Rahayu
I-Finance Journal Vol 11 No 2 (2025): I-FINANCE: a Research Journal on Islamic Finance
Publisher : Fakultas Ekonomi dan Bisnis Islam Universitas Islam Negeri Raden Fatah Palembang, Indonesia

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.19109/ifinance.v11i2.31932

Abstract

The Islamic banking industry in Indonesia has grown significantly over the past decade as public awareness of Sharia-compliant financial services continues to rise. However, participation among younger generations, particularly Generation Z, remains relatively low despite their characteristics as digital natives who are critical of information and prefer practical services aligned with Islamic values. This study examines the influence of Electronic Word of Mouth (E-WOM) on actual saving behavior at Bank Syariah Indonesia (BSI), with saving interest and trust serving as mediating variables. Using a quantitative approach, data were collected from 104 Generation Z respondents in Malang City and analyzed through Structural Equation Modeling (SEM) with SmartPLS 3.0. The findings reveal that E-WOM significantly influences saving interest, trust, and actual saving behavior. Saving interest and trust also function as mediators that strengthen the relationship between E-WOM and saving behavior. These results indicate that digital exposure such as reviews, testimonials, and positive customer experiences can increase interest, build trust, and ultimately encourage concrete financial actions, including opening or maintaining savings accounts. The study concludes that E-WOM-based communication strategies are essential for Islamic banks to attract Generation Z and enhance engagement with Sharia-compliant saving products.
NAVIGATING EXTREME VOLATILITY: RISK-ADJUSTED PERFORMANCE OF INDONESIAN SHARIA FUNDS (2020-2024) Nur, Nur Syifa Ullida; Farhadi Arifiansyah
I-Finance Journal Vol 11 No 2 (2025): I-FINANCE: a Research Journal on Islamic Finance
Publisher : Fakultas Ekonomi dan Bisnis Islam Universitas Islam Negeri Raden Fatah Palembang, Indonesia

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.19109/ifinance.v11i2.32287

Abstract

This study aims to analyze the development of Net Asset Value (NAV) and evaluate the performance of Islamic equity mutual funds in Indonesia during the 2020–2024 period using the Sharpe Ratio method as a risk-adjusted performance measure. The study population comprises all Islamic equity mutual funds registered with the Financial Services Authority (OJK) from 2020 to 2024. The research sample utilized aggregate data of national Islamic equity mutual funds published by the OJK in the form of monthly data over five years (60 observations), selected using purposive sampling based on the availability of NAV, return, and risk-free rate data. Data analysis was performed using descriptive statistics, Sharpe Ratio calculation, and One-Way ANOVA tests. The results indicate that the NAV of Islamic equity mutual funds increased from IDR 927.69 billion in 2020 to IDR 1,148.90 billion in 2024. However, the average Sharpe Ratio ranged from 0.05 to 0.25, indicating a low performance trend, with negative values observed in several periods. The ANOVA test showed no significant difference in performance across the years. The conclusion suggests that the performance of Indonesian Islamic mutual funds was suboptimal, and there were no significant performance differences during the 2020–2024 period.

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