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E-Servqual Digitalization Of Islamic Banks And Customer Retention In Surakarta 苏腊卡尔塔伊斯兰银行的 E-Servqual 数字化与客户维系
Al-bank: Journal of Islamic Banking and Finance Pub Date : 2024-01-31 DOI: 10.31958/ab.v4i1.10754
Annastya Ayu Pramesty, Budi Sukardi
{"title":"E-Servqual Digitalization Of Islamic Banks And Customer Retention In Surakarta","authors":"Annastya Ayu Pramesty, Budi Sukardi","doi":"10.31958/ab.v4i1.10754","DOIUrl":"https://doi.org/10.31958/ab.v4i1.10754","url":null,"abstract":"This study aims to determine the effect of banking digitalization service quality on customer loyalty of Islamic banks in Surakarta city. This type of research is quantitative research with a sample of 100 bank customers who use Islamic bank digital services, using primary data obtained through direct distribution of a questionnaire with a Likert scale, the data is processed using multiple linear regression analysis. The research proves that efficiency, reliability, fulfillment, privacy, responsiveness has no significant effect on customer retention in using bank digital services, as evidenced by the statistical value of each variable, namely 0.763, 0.727, 0.083, 0.225, 0.093 greater than 0.05. Contact has a positive and significant effect on customer retention in the use of digital banking services with a statistical value of 0.012 less than 0.05. This research has implications for strengthening strategies and services in the use of digital FinTech by Islamic banks in Indonesia","PeriodicalId":263619,"journal":{"name":"Al-bank: Journal of Islamic Banking and Finance","volume":"182 4","pages":""},"PeriodicalIF":0.0,"publicationDate":"2024-01-31","publicationTypes":"Journal Article","fieldsOfStudy":null,"isOpenAccess":false,"openAccessPdf":"","citationCount":null,"resultStr":null,"platform":"Semanticscholar","paperid":"140475363","PeriodicalName":null,"FirstCategoryId":null,"ListUrlMain":null,"RegionNum":0,"RegionCategory":"","ArticlePicture":[],"TitleCN":null,"AbstractTextCN":null,"PMCID":"","EPubDate":null,"PubModel":null,"JCR":null,"JCRName":null,"Score":null,"Total":0}
引用次数: 0
Faktor Yang Mempengaruhi Loyalitas Nasabah Pada BTN Syariah KC Solo Dengan Kepuasan Sebagai Variabel Intervening 以满意度为干预变量影响 BTN Syariah KC Solo 公司客户忠诚度的因素
Al-bank: Journal of Islamic Banking and Finance Pub Date : 2024-01-31 DOI: 10.31958/ab.v4i1.10177
F. Rozi, Ahmad Samingan
{"title":"Faktor Yang Mempengaruhi Loyalitas Nasabah Pada BTN Syariah KC Solo Dengan Kepuasan Sebagai Variabel Intervening","authors":"F. Rozi, Ahmad Samingan","doi":"10.31958/ab.v4i1.10177","DOIUrl":"https://doi.org/10.31958/ab.v4i1.10177","url":null,"abstract":"The study aims to analyze the factors that influence customer loyalty with satisfaction as a mediating variable. This research method uses quantitative methods with a sample size of 100 respondents. The data used in this research is primary data obtained from filling out questionnaires by respondents. The results of this study indicate that communication has no effect on customer loyalty, complain handling has no effect on customer loyalty, service quality has no effect on customer loyalty, customer satisfaction has a positive and significant effect on customer loyalty, communication has a positive and significant effect on customer satisfaction, complain handling has a positive and significant effect on customer satisfaction, service quality has a positive and significant effect on customer satisfaction, satisfaction can mediate communication to customer loyalty, satisfaction can mediate complain handling to customer loyalty, satisfaction can mediate service quality to customer loyalty, satisfaction can mediate service quality to customer loyalty  ","PeriodicalId":263619,"journal":{"name":"Al-bank: Journal of Islamic Banking and Finance","volume":"323 ","pages":""},"PeriodicalIF":0.0,"publicationDate":"2024-01-31","publicationTypes":"Journal Article","fieldsOfStudy":null,"isOpenAccess":false,"openAccessPdf":"","citationCount":null,"resultStr":null,"platform":"Semanticscholar","paperid":"140470873","PeriodicalName":null,"FirstCategoryId":null,"ListUrlMain":null,"RegionNum":0,"RegionCategory":"","ArticlePicture":[],"TitleCN":null,"AbstractTextCN":null,"PMCID":"","EPubDate":null,"PubModel":null,"JCR":null,"JCRName":null,"Score":null,"Total":0}
引用次数: 0
Indonesian Bank Profitability: Sharia VS Conventional Bank 印度尼西亚银行的盈利能力：伊斯兰教与传统银行
Al-bank: Journal of Islamic Banking and Finance Pub Date : 2024-01-31 DOI: 10.31958/ab.v4i1.10602
Rosita Hidayati Sucipto, Rosana Eri Puspita
{"title":"Indonesian Bank Profitability: Sharia VS Conventional Bank","authors":"Rosita Hidayati Sucipto, Rosana Eri Puspita","doi":"10.31958/ab.v4i1.10602","DOIUrl":"https://doi.org/10.31958/ab.v4i1.10602","url":null,"abstract":"This study aims to analyze the differences in profitability of Islamic and conventional banks for the 2018-2022. The data collection method is by documentation on the annual financial statements of Islamic and conventional through the official website of each bank and taking the financial ratios. The sampling technique is purposive, so samples of 10 Islamic banks and 10 conventional banks. The finding that capital adequacy positively and significantly affects profitability in conventional banks, while it does not affect Islamic banks. The level of bank efficiency has a positive and significant effect on conventional and Islamic banks. Liquidity has a positive and significant effect on the profitability of conventional banks and does not have a significant effect on Islamic banks. Based on the results of the comparison of the mean of conventional banks and Islamic banks, it shows that the level of efficiency and liquidity of conventional banks is better than Islamic banks. Meanwhile, capital adequacy in Islamic banks is better than in conventional banks","PeriodicalId":263619,"journal":{"name":"Al-bank: Journal of Islamic Banking and Finance","volume":"58 1","pages":""},"PeriodicalIF":0.0,"publicationDate":"2024-01-31","publicationTypes":"Journal Article","fieldsOfStudy":null,"isOpenAccess":false,"openAccessPdf":"","citationCount":null,"resultStr":null,"platform":"Semanticscholar","paperid":"140477691","PeriodicalName":null,"FirstCategoryId":null,"ListUrlMain":null,"RegionNum":0,"RegionCategory":"","ArticlePicture":[],"TitleCN":null,"AbstractTextCN":null,"PMCID":"","EPubDate":null,"PubModel":null,"JCR":null,"JCRName":null,"Score":null,"Total":0}
引用次数: 0
Pengaruh Kondisi Keuangan Size Company Dan Opini Audit Tahun Sebelumnya Terhadap Penerimaan Opini Audit Going Concern 公司规模、财务状况和上年审计意见对接受持续经营审计意见的影响
Al-bank: Journal of Islamic Banking and Finance Pub Date : 2024-01-31 DOI: 10.31958/ab.v4i1.10196
W. Sabrina, Nur Huri Mustofa
{"title":"Pengaruh Kondisi Keuangan Size Company Dan Opini Audit Tahun Sebelumnya Terhadap Penerimaan Opini Audit Going Concern","authors":"W. Sabrina, Nur Huri Mustofa","doi":"10.31958/ab.v4i1.10196","DOIUrl":"https://doi.org/10.31958/ab.v4i1.10196","url":null,"abstract":"This study aims to examine the effect of financial condition, company size, and audit opinion of the previous year on the acceptance of going concern opinions. The sample used in this study is companies registered in JII for the 2018-2022 period. Sampling using purposive sampling techniques and obtained 29 companies with an observation period of 5 years so that the total sample is 145 data. The results showed that the financial condition, company size, and audit opinion of the previous year simultaneously affect the acceptance of the going concern audit opinion. The financial condition and audit opinion of the previous year have a partial effect on the receipt of the going concern audit opinion. While the size of the company does not have a significant effect on the acceptance of going concern audit opinions","PeriodicalId":263619,"journal":{"name":"Al-bank: Journal of Islamic Banking and Finance","volume":"284 1","pages":""},"PeriodicalIF":0.0,"publicationDate":"2024-01-31","publicationTypes":"Journal Article","fieldsOfStudy":null,"isOpenAccess":false,"openAccessPdf":"","citationCount":null,"resultStr":null,"platform":"Semanticscholar","paperid":"140472724","PeriodicalName":null,"FirstCategoryId":null,"ListUrlMain":null,"RegionNum":0,"RegionCategory":"","ArticlePicture":[],"TitleCN":null,"AbstractTextCN":null,"PMCID":"","EPubDate":null,"PubModel":null,"JCR":null,"JCRName":null,"Score":null,"Total":0}
引用次数: 0
On Digital Rupiah And Islamic Economy: A Comparative Analysis And Ethics 数字卢比与伊斯兰经济：比较分析与伦理
Al-bank: Journal of Islamic Banking and Finance Pub Date : 2024-01-31 DOI: 10.31958/ab.v4i1.10775
Qusthan Firdaus
{"title":"On Digital Rupiah And Islamic Economy: A Comparative Analysis And Ethics","authors":"Qusthan Firdaus","doi":"10.31958/ab.v4i1.10775","DOIUrl":"https://doi.org/10.31958/ab.v4i1.10775","url":null,"abstract":"This study aims to explore the meaning of and to conduct an ethical assessment towards Digital Rupiah to Islamic economy by exploring the thoughts of Baqir Sadr and Henry Sidgwick. This research is about an ethics of Digital Rupiah, and it would like to investigate two problems. First, do these retail and wholesale versions of Central Bank Digital Currency (CBDC) or the so called Digital Rupiah cause any harm to some principles in Islamic economy especially the one in Sadr’s thought? Second, is utilitarianism, in the sense of Henry Sidgwick’s thought in ethics, of any help to justify the development and innovation concerning Digital Rupiah in Islamic economy and Islamic economics? This method of this research is a comparative analysis for which case seeking similarities and differences among some CBDC. The result is any potential harm of Digital Rupiah to Islamic economy by which case it relies on the way we understand interest, usury and underlying assets. Sidgwick’s account of rational benevolence and universal happiness could be a good framework for justifying Digital Rupiah in Islamic economy  ","PeriodicalId":263619,"journal":{"name":"Al-bank: Journal of Islamic Banking and Finance","volume":"242 ","pages":""},"PeriodicalIF":0.0,"publicationDate":"2024-01-31","publicationTypes":"Journal Article","fieldsOfStudy":null,"isOpenAccess":false,"openAccessPdf":"","citationCount":null,"resultStr":null,"platform":"Semanticscholar","paperid":"140477790","PeriodicalName":null,"FirstCategoryId":null,"ListUrlMain":null,"RegionNum":0,"RegionCategory":"","ArticlePicture":[],"TitleCN":null,"AbstractTextCN":null,"PMCID":"","EPubDate":null,"PubModel":null,"JCR":null,"JCRName":null,"Score":null,"Total":0}
引用次数: 0
DETERMINAN RETURN ON ASSET PADA PT. BANK MUAMALAT INDONESIA Tbk 确定PT.BANK MUAMALAT INDONIA Tbk的资产回报率INDONESIA Tbk MUAMALAT 银行
Al-bank: Journal of Islamic Banking and Finance Pub Date : 2024-01-31 DOI: 10.31958/ab.v4i1.10618
Revi Candra, Husni Shabri, Aprilia Nur Azizah, Rizal Fahlefi
{"title":"DETERMINAN RETURN ON ASSET PADA PT. BANK MUAMALAT INDONESIA Tbk","authors":"Revi Candra, Husni Shabri, Aprilia Nur Azizah, Rizal Fahlefi","doi":"10.31958/ab.v4i1.10618","DOIUrl":"https://doi.org/10.31958/ab.v4i1.10618","url":null,"abstract":"This study aims to analyze the effect of Non-Performing Financing (NPF), Capital Adequacy Ratio (CAR), and Cash Turn-over on Return On Asset (ROA) at PT Bank Muamalat Indonesia (2012-2021). This research method uses a quantitative approach. The data source used is secondary data sources in the form of financial statements of PT Bank Muamalat Indonesia. The data analysis technique uses multiple linear regression analysis processed with the SPSS 26 program. The results showed that partially NPF and Cash Turnover had an effect on ROA with a significant value of 0.000 and 0.0009 respectively smaller than 0.05. CAR partially has no effect on ROA with a significant value of 0.151 greater than 0.05. Simultaneously NPF, CAR, and Cash Turn-over affect ROA at PT Bank Muamalat Indonesia with a significant value of 0.000 smaller than 0.05. Determinant of the influence of NPF, CAR and Cash Turn-over on Return On Asset is 55.1%.","PeriodicalId":263619,"journal":{"name":"Al-bank: Journal of Islamic Banking and Finance","volume":"138 ","pages":""},"PeriodicalIF":0.0,"publicationDate":"2024-01-31","publicationTypes":"Journal Article","fieldsOfStudy":null,"isOpenAccess":false,"openAccessPdf":"","citationCount":null,"resultStr":null,"platform":"Semanticscholar","paperid":"140479028","PeriodicalName":null,"FirstCategoryId":null,"ListUrlMain":null,"RegionNum":0,"RegionCategory":"","ArticlePicture":[],"TitleCN":null,"AbstractTextCN":null,"PMCID":"","EPubDate":null,"PubModel":null,"JCR":null,"JCRName":null,"Score":null,"Total":0}
引用次数: 0
Pengaruh Literasi Keuangan, Risk Tolerance, Dan Experienced Regret Terhadap Pemilihan Jenis Investasi Keuangan Syariah Pada Generasi Millenial 金融知识、风险承受能力和后悔经历对千禧一代选择伊斯兰金融投资类型的影响
Al-bank: Journal of Islamic Banking and Finance Pub Date : 2024-01-31 DOI: 10.31958/ab.v4i1.10911
Elmiliyani Wahyuni, Fitri Yenti, Rizal Rizal, Asrul Gustomi
{"title":"Pengaruh Literasi Keuangan, Risk Tolerance, Dan Experienced Regret Terhadap Pemilihan Jenis Investasi Keuangan Syariah Pada Generasi Millenial","authors":"Elmiliyani Wahyuni, Fitri Yenti, Rizal Rizal, Asrul Gustomi","doi":"10.31958/ab.v4i1.10911","DOIUrl":"https://doi.org/10.31958/ab.v4i1.10911","url":null,"abstract":"The purpose of this study was to examine the effect of financial literacy, risk tolerance and experienced regret on the selection of types of Islamic financial investments in the millennial generation in Indonesia. This study used purposive sampling and convenience sampling there were 8,483,213 respondents and sampling using the Slovin formula with an error rate of 10% which obtained a sample of 100 respondents. The analysis technique uses multiple lieniar regression. The results showed that financial literacy affects the selection of Islamic financial investment types, while Risk Tolerance has no effect on the selection of Islamic financial investment types, and experienced regret has a positive and significant effect on the selection of Islamic investment types, and simultaneously the influence of financial literacy, Risk Tolerance and experienced regret affects the selection of Islamic investment types..  ","PeriodicalId":263619,"journal":{"name":"Al-bank: Journal of Islamic Banking and Finance","volume":"91 ","pages":""},"PeriodicalIF":0.0,"publicationDate":"2024-01-31","publicationTypes":"Journal Article","fieldsOfStudy":null,"isOpenAccess":false,"openAccessPdf":"","citationCount":null,"resultStr":null,"platform":"Semanticscholar","paperid":"140478889","PeriodicalName":null,"FirstCategoryId":null,"ListUrlMain":null,"RegionNum":0,"RegionCategory":"","ArticlePicture":[],"TitleCN":null,"AbstractTextCN":null,"PMCID":"","EPubDate":null,"PubModel":null,"JCR":null,"JCRName":null,"Score":null,"Total":0}
引用次数: 0
Peran BMT Al Makmur Dalam Mewujudkan Ketahanan Ekonomi Keluarga Miskin BMT在实现贫困家庭经济存亡方面的繁荣作用
Al-bank: Journal of Islamic Banking and Finance Pub Date : 2023-07-31 DOI: 10.31958/ab.v3i2.9264
Suhatri Mariko
{"title":"Peran BMT Al Makmur Dalam Mewujudkan Ketahanan Ekonomi Keluarga Miskin","authors":"Suhatri Mariko","doi":"10.31958/ab.v3i2.9264","DOIUrl":"https://doi.org/10.31958/ab.v3i2.9264","url":null,"abstract":"This study aims to analyze the role of the Sharia Microfinance Institution BMT Al Makmur in efforts to realize the economic resilience of poor families. This type of research is field research with a qualitative descriptive approach. The data sources are BMT Al Makmur Leaders and Murabahah Financing Customers. Data collection techniques are interviews and documentation. Data analysis techniques are carried out through data reduction, data display and conclusion drawing. The results showed that the presence of BMT Al Makmur as a Sharia Microfinance Institution has had a positive impact on realizing economically resilient families by managing family economic risks for the future. Through murabahah financing channeled for the purpose of purchasing gold which is used as a medium for saving money by customers, because it is believed that investment through gold is a safe and profitable investment category. The gold is used as a reserve to anticipate and fulfill needs for the future, such as the need for children's education costs, and to make their own homes.","PeriodicalId":263619,"journal":{"name":"Al-bank: Journal of Islamic Banking and Finance","volume":"2006 1","pages":"0"},"PeriodicalIF":0.0,"publicationDate":"2023-07-31","publicationTypes":"Journal Article","fieldsOfStudy":null,"isOpenAccess":false,"openAccessPdf":"","citationCount":null,"resultStr":null,"platform":"Semanticscholar","paperid":"116935596","PeriodicalName":null,"FirstCategoryId":null,"ListUrlMain":null,"RegionNum":0,"RegionCategory":"","ArticlePicture":[],"TitleCN":null,"AbstractTextCN":null,"PMCID":"","EPubDate":null,"PubModel":null,"JCR":null,"JCRName":null,"Score":null,"Total":0}
引用次数: 0
Determinan Profil Risiko Terhadap Performance Bank Pembiayaan Rakyat Syariah Di Provinsi Sumatera Barat
Al-bank: Journal of Islamic Banking and Finance Pub Date : 2023-07-31 DOI: 10.31958/ab.v3i2.9169
Nur Azlina, Husni Shabri, Ibnu Qizam
{"title":"Determinan Profil Risiko Terhadap Performance Bank Pembiayaan Rakyat Syariah Di Provinsi Sumatera Barat","authors":"Nur Azlina, Husni Shabri, Ibnu Qizam","doi":"10.31958/ab.v3i2.9169","DOIUrl":"https://doi.org/10.31958/ab.v3i2.9169","url":null,"abstract":"This study aims to analyze the effect of risk profile on the performance of Islamic Rural Bank (BPRS) in West Sumatra Province. This type of research is a field research with a quantitative approach. The samples in the study were seven BPRS in West Sumatra Province that have been operating sharia since 2019. Secondary data in the form of annual financial statements of each BPRS for the period 2019-2022. The analysis technique used panel data regression. The results showed that the credit risk profile using the Non Performing Financing ratio and liquidity risk using the Financing to Deposit Ratio partially had no significant effect on the performance of BPRS as measured using the Return on Asset ratio. However, both risk profiles simultaneously have a significant effect on the performance of BPRS with a coefficient of determination of 96%. The practical implication of this research is that credit risk and liquidity risk must be managed simultaneously, including other risks faced by banks because they have a very strong influence on bank performance.","PeriodicalId":263619,"journal":{"name":"Al-bank: Journal of Islamic Banking and Finance","volume":"35 1","pages":"0"},"PeriodicalIF":0.0,"publicationDate":"2023-07-31","publicationTypes":"Journal Article","fieldsOfStudy":null,"isOpenAccess":false,"openAccessPdf":"","citationCount":null,"resultStr":null,"platform":"Semanticscholar","paperid":"125088403","PeriodicalName":null,"FirstCategoryId":null,"ListUrlMain":null,"RegionNum":0,"RegionCategory":"","ArticlePicture":[],"TitleCN":null,"AbstractTextCN":null,"PMCID":"","EPubDate":null,"PubModel":null,"JCR":null,"JCRName":null,"Score":null,"Total":0}
引用次数: 0
Efisiensi Bank Umum Syariah Pada Masa Pemulihan Ekonomi Pasca Covid-19 伊斯兰公共银行的效率在Covid-19后的经济复苏
Al-bank: Journal of Islamic Banking and Finance Pub Date : 2023-07-31 DOI: 10.31958/ab.v3i2.10191
L. Arifah
{"title":"Efisiensi Bank Umum Syariah Pada Masa Pemulihan Ekonomi Pasca Covid-19","authors":"L. Arifah","doi":"10.31958/ab.v3i2.10191","DOIUrl":"https://doi.org/10.31958/ab.v3i2.10191","url":null,"abstract":"This study aims to measure the efficiency level of Islamic Commercial Banks during the economic recovery period after the co-19 storm. The type of research is quantitative descriptive research. The samples in this study were 10 Islamic Commercial Banks. The data collection technique in this study used documentation in the form of Islamic bank financial reports published by OJK. The data analysis technique uses the Data Envelopment Analysis (DEA) method. The results showed that there were differences between the 2 models used, namely CRS and VRS. Based on the CRS model, 5 Islamic commercial banks experienced efficient conditions, while the other 5 banks were inefficient. While using the VRS model only 2 banks did not reach efficient, namely Bank Muamalat Indonesia and Bank Mega Syariah. While the other 8 commercial banks reached the efficient level. Based on these results, some inefficient banks are advised to increase their inputs to help improve bank performance.","PeriodicalId":263619,"journal":{"name":"Al-bank: Journal of Islamic Banking and Finance","volume":"2 1","pages":"0"},"PeriodicalIF":0.0,"publicationDate":"2023-07-31","publicationTypes":"Journal Article","fieldsOfStudy":null,"isOpenAccess":false,"openAccessPdf":"","citationCount":null,"resultStr":null,"platform":"Semanticscholar","paperid":"124134273","PeriodicalName":null,"FirstCategoryId":null,"ListUrlMain":null,"RegionNum":0,"RegionCategory":"","ArticlePicture":[],"TitleCN":null,"AbstractTextCN":null,"PMCID":"","EPubDate":null,"PubModel":null,"JCR":null,"JCRName":null,"Score":null,"Total":0}
引用次数: 0
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