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Dinar: Jurnal Ekonomi dan Keuangan Islam
Published by Universitas Trunojoyo Madura
ISSN : 24609889     EISSN : 25803565     DOI : https://doi.org/10.21107/dinar
Core Subject : Religion, Social,
Religion Social Sciences
Dinar adalah jurnal ilmiah yang diterbitkan oleh Jurusan Ekonomi dan Keuangan Islam Universitas Trunojoyo Madura. Terbit pertama kali Agustus 2015. Jurnal ini memfokuskan pada kajian Ekonomi Islam dalam berbagai sudut pandang keilmuan. Redaksi mengundang para ahli dan segenap sivitas akademika untuk menulis artikel sesuai dengan tema besar jurnal ini. Artikel yang dimuat tidak selalu mencerminkan redaksi ataupun institusi lain terkait dengan penerbitan jurnal.
Arjuna Subject : Ilmu Ekonomi, Ekonometrika dan Keuangan (semua kategori) - Ilmu Ekonomi, Ekonometrika dan Keuangan (Lain-Lain)
Articles 143 Documents
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The Effect of Income, Product Knowledge, Trust, and Promotion on Public Interest in Using Sharia Pawn Services. Hidayat, Muhammad Shamil; Mansah, Adi
Dinar : Jurnal Ekonomi dan Keuangan Islam Vol 12, No 2: Agustus 2025
Publisher : Universitas Trunojoyo Madura

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.21107/dinar.v12i2.30858

Abstract

The growing demand for ethical and interest-free financial services in Indonesia has raised questions regarding the factors that drive public interest in Islamic pawnshops (rahn). Although conventional pawn services remain dominant, previous research has shown inconsistencies in identifying the most influential drivers of customer interest. This study aims to fill that gap by examining the combined effects of income, product knowledge, trust, and promotion on the interest in using sharia-compliant pawn services, specifically in South Jakarta—a region with increasing awareness of Islamic finance.A quantitative method with a causal research design was employed, targeting 130 respondents through purposive sampling. Participants included former users of sharia pawn services, conventional users open to Islamic alternatives, and individuals interested in Islamic pawn offerings. Data collection was conducted using structured questionnaires, and analysis was performed through Structural Equation Modeling (SEM) using SmartPLS.The findings indicate that all independent variables significantly and positively influence customer interest, with the model explaining 80.5% of the variance. Promotion showed the strongest individual impact (p = 0.000), followed by trust (p = 0.008), income (p = 0.014), and product knowledge (p = 0.010). These results underline the importance of targeted promotion, customer trust, income stability, and education on sharia products in enhancing public engagement with Islamic pawn services.
Evaluating the Financial Performance of BMT Al Fithrah After Rebranding as BMT Kedinding: A Case Study on Savings and Funding in Surabaya Toyyibi, Abdul Majid; Hidayat, Imam; Farhan, Shohibatul
Dinar : Jurnal Ekonomi dan Keuangan Islam Vol 12, No 2: Agustus 2025
Publisher : Universitas Trunojoyo Madura

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.21107/dinar.v12i2.29364

Abstract

This study analyzes the shift in profitability experienced by BMT Al Fithrah following its transformation into BMT Kedinding in Surabaya after implementing a new strategy in the management of savings and funding. The primary focus of this research is to understand how the institution’s approach to managing savings  and financing has influenced its profitability post-rebranding and strategic realignment. Additionally, this study explores the key factors affecting profitability, including fund management policies and customer relationship practices.The objective of this research is to gain a comprehensive understanding of how changes in saving and funding strategies have impacted the profitability performance of BMT Kedinding. It also seeks to uncover managerial and operational insights that can support the institution’s future growth and financial sustainability. A qualitative case study approach was adopted, with data collected through in-depth interviews with BMT Kedinding’s management and direct observation of operational activities. The data were analyzed thematically to identify recurring patterns associated with improvements in profitability.The findings reveal that the transformation into BMT Kedinding, accompanied by more structured and focused management of savings and funding, has led to significant positive changes in the institution's profitability. This is evidenced by increased profits and the expansion of branches beyond Surabaya. Improved service quality, stronger customer relationships, and more efficient fund management have emerged as critical drivers of revenue growth and financial stability. Consequently, this study concludes that the post-rebranding saving and funding strategies have made a substantial contribution to enhancing the profitability of BMT Kedinding.
Strategies to Enhance ZIS Donor Loyalty through Trust Building at Baitul Maal Hidayatullah East Kalimantan Salamun, Imam
Dinar : Jurnal Ekonomi dan Keuangan Islam Vol 12, No 2: Agustus 2025
Publisher : Universitas Trunojoyo Madura

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.21107/dinar.v12i2.31124

Abstract

This study is motivated by the limited number of empirical investigations that specifically examine the direct effects of service quality, institutional image, communication, and donation convenience on donor trust, as well as its impact on the loyalty of ZIS (zakat, infaq, and sadaqah) donors. The novelty of this research lies in its focus on a causal relationship model that does not include any mediating variables—distinct from most prior studies which typically position trust merely as an intervening variable.The primary aim of this research is to analyze the extent to which service quality, institutional image, communication, and donation convenience directly influence donor trust, and to assess the direct impact of donor trust on the loyalty of zakat, infaq, and sadaqah donors at the National Amil Zakat Institution (LAZNAS) Baitul Maal Hidayatullah in East Kalimantan.A quantitative approach was employed using the Partial Least Squares Structural Equation Modeling (PLS-SEM) method. Primary data were collected through a structured questionnaire using a 5-point Likert scale, distributed to 240 active donors selected through purposive sampling. Data processing involved several stages, including validity and reliability testing, evaluation of the measurement model, and structural model assessment.The results show that both service quality and institutional image have a positive and significant effect on donor trust. In contrast, communication and donation convenience exhibit a positive but statistically insignificant influence. Furthermore, donor trust is proven to have a direct and significant effect in enhancing sustained donor loyalty in ZIS contributions.

Page 15 of 15 | Total Record : 143

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