Kunuz: Journal of Islamic Banking and Finance最新文献

{"title":"Customer Understanding of the Profit-Sharing Ratio at Muamalat Bank","authors":"Fitria Ayu Lestari Niu, Karlina Aprilianingrum Bawenti, S. Syarifuddin","doi":"10.30984/kunuz.v2i1.228","DOIUrl":"https://doi.org/10.30984/kunuz.v2i1.228","url":null,"abstract":"This study aims to determine the customer understanding of the profit-sharing ratio at Muamalat Bank Branch Manado using a qualitative method. The data in this study were obtained through triangulation techniques consisting of interviews, observations, and documentation. The data analysis method used includes the stages of data reduction, data presentation, and concluding. The result showed that, generally, the customer understanding of the profit-sharing ratio of savings products at Bank Muamalat is still inadequate. Customers do not understand clearly and in detail savings products (names and types of the savings product). It caused customers not to get an explanation and product knowledge from the bank at the beginning of the account opening. In explaining his understanding of profit-sharing, the customer depends on his educational background and profession. Customer understanding can also be seen from the selected savings products where the main informant has prime savings while the regular informant chooses everyday savings. The implications for knowledge are sozialication role from the bank, educational and occupational backgrounds as factors that affect the level of customer understanding. For the bank to provide feedback as material for the improvement of the quality of banking services and products based on Islamic principles and competitive for its share","PeriodicalId":286840,"journal":{"name":"Kunuz: Journal of Islamic Banking and Finance","volume":"1 1","pages":"0"},"PeriodicalIF":0.0,"publicationDate":"2022-06-30","publicationTypes":"Journal Article","fieldsOfStudy":null,"isOpenAccess":false,"openAccessPdf":"","citationCount":null,"resultStr":null,"platform":"Semanticscholar","paperid":"130163399","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}

{"title":"Minat Nasabah dalam Menggunakan Mobile Banking Jenius BTPN Manado","authors":"Anatasha Nursaphira Patangari, Abdul Rahman Mahmud, Misbahul Munir Makka","doi":"10.30984/kunuz.v2i1.230","DOIUrl":"https://doi.org/10.30984/kunuz.v2i1.230","url":null,"abstract":"Penelitian ini bertujuan untuk mengetahui faktor-faktor apa saja yang mempengaruhi minat nasabah dalam menggunakan mobile banking Jenius, mobile banking jenius adalah salah satu fasilitas dari Bank BTPN dimana yang biasanya bank ini menyediakan layanan hanya untuk para pension namun sekarang bank btpn sudah mengeluarkan fasilitas yang bisa dipakai oleh non pension, apliaksi mobile banking memungkinkan nasabah sebuah bank dapat melakukan hampir semua jenis transaksi melalui sarana internet. Penelitian di lakukan di kota Manado dengan menggunakan metode penelitian kualitatif, metode pengumpulan data dilakukan dengan tiga cara yaitu observasi. Wawancara, dan dokumentasi, pengumpulan data dilakukan untuk memperoleh data di lapangan, kemudian di analisis secara deskriptif kualitatif. Hasil temuan penelitian menunjukkan bahwa ketertarikan nasabah terhadap mobile banking karena kemudahan, kenyamanan, dan keamanan yang diberikan oleh aplikasi mobile banking jenius, dengan kemudahan yang diberikan nasabah bisa melakukan transaksi dimana saja dan kapan saja tanpa harus ke bank","PeriodicalId":286840,"journal":{"name":"Kunuz: Journal of Islamic Banking and Finance","volume":"42 1","pages":"0"},"PeriodicalIF":0.0,"publicationDate":"2022-06-30","publicationTypes":"Journal Article","fieldsOfStudy":null,"isOpenAccess":false,"openAccessPdf":"","citationCount":null,"resultStr":null,"platform":"Semanticscholar","paperid":"133309499","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}

{"title":"Restrukturisasi Pembiayaan Pada Bank Syariah Di Masa Pandemi Covid-19 Perspektif Hukum Perikatan Islam","authors":"Rizqi Jauharotul Amalia, Hendri Hermawan Adinugraha","doi":"10.30984/kunuz.v1i2.50","DOIUrl":"https://doi.org/10.30984/kunuz.v1i2.50","url":null,"abstract":"Artikel ini ditulis untuk mengkaji restrukturisasi pembiayaan pada bank Syariah di masa pandemi Covid-19 perspektif hukum perikatan Islam. Wabah Covid-19 yang telah menginfeksi hampir seluruh belahan dunia berdampak pada semua dimensi, baik itu sosial, politik, maupun ekonomi. Dampak dalam hal perekonomian pada lembaga keuangan Syariah yakni tentang pembiayaan yang bermasalah. Pembiayaan bermasalah yang ditimbulkan berpotensi mengganggu kinerja perbankan dan stabilitas sistem keuangan yang dapat mempengaruhi pertumbuhan ekonomi. Penulisan artikel ini bertujuan untuk melihat keadaan ekonomi akibat pandemi dan strategi pemulihan pembiayaan di lingkup perbankan ditinjau dari perspektif hukum perikatan Islam. Penelitian ini menggunakan metode kualitatif kepustakaan (library research). Berdasarkan hasil penelitian terlihat bahwa Bank Syariah dalam memberikan restrukturisasi pembiayaan pada nasabah UMKM akibat Pandemi Covid-19 didasarkan pada Peraturan Otoritas Jasa Keuangan Nomor 16/POJK.03/2014, yakni hanya dapat diberikan kepada nasabah yang mengalami kesulitan untuk memenuhi kewajibannya terhadap bank akibat usahanya terdampak Covid-19. Tahapan restrukturisasi yaitu rescheduling, reconditioning, restructuring. Semua tahapan ini dilakukan guna memenuhi tujuan akad awal seorang nasabah dengan pihak bank, yaitu untuk melahirkan suatu akibat hukum atau maksud bersama yang dituju dan yang hendak diwujudkan oleh pihak melalui pembuatan akad. Karena akad dalam hukum perikatan berarti mengikat, yang mana seorang debitur diwajibkan untuk menyelesaikan pembayaran angsuran sampai batas waktu yang telah ditentukan sesuai dengan kesepakatan","PeriodicalId":286840,"journal":{"name":"Kunuz: Journal of Islamic Banking and Finance","volume":"47 1","pages":"0"},"PeriodicalIF":0.0,"publicationDate":"2021-12-30","publicationTypes":"Journal Article","fieldsOfStudy":null,"isOpenAccess":false,"openAccessPdf":"","citationCount":null,"resultStr":null,"platform":"Semanticscholar","paperid":"127633642","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}

{"title":"Implementasi Akuntansi Manajemen Lingkungan Pada perusahaan-Perusahaan di PT. Kawasan Industri Makassar (Kima)","authors":"Kasmawati Kasmawati, Fitri Wulandari, Salman Ahmad, syamsul bahri","doi":"10.30984/kunuz.v1i2.118","DOIUrl":"https://doi.org/10.30984/kunuz.v1i2.118","url":null,"abstract":"Tujuan penelitian ini yaitu untuk mengetahui implementasi akuntansi lingkungan yang ditinjau dari teori Triple Bottom Line sebagaimana yang diungkapkan oleh john elkington bahwa Triple Bottom Linetidak hanya melihat aspek profit (keuntungan) sebagai acuan utama dalam aktivitas perusahaan. Dalam menjawab permasalahan tersebut, penulis menggunakan paradigma kualitatif dengan pendekatan interpretatif. Pendekatan ini merupakan sebuah sistem sosial yang memaknai perilaku secara detail langsung mengobservasi. Interpretif melihat fakta sebagai sesuatu yang unik dan memiliki konteks dan makna yang khusus sebagai esensi dalam memahami sesuatu. Dalam penelitian ini, yang menjadi subjek penelitian adalah perusahaan-perusahaan di Kawasan Industri Makassar (KIMA) sedangkan informan pada penelitian ini adalah manajer atau karyawan di perusahaan-perusahaan PT KIMA dalam hal ini yang berperan langsung terhadap lingkungan serta masyarakat yang ada di sekitar KIMA.Hasil penelitian ini menunjukkan bahwa kegiatan-kegiatan akuntansi lingkungan atau CSR pada perusahaan-perusahaan di PT KIMA terutama PT wijaya Karya Beton dan PT Anugrah Cemerlang Indonesia secara umum telah memenuhi teori atau konsep Triple Bottom Lineyang mencakup pada tiga unsur utama yaitu, profit, people dan planet. Tanggung jawab ekonomi (profit)kedua perusahaan dapat dilihat pada produk-produk yang dihasilkan dari kegiatan operasional bisnisnya. Tanggung jawab lingkungan (planet) kedua perusahaan maupun semua perusahaan- perusahaan di PT KIMA dapat dilihat dari program-program CSR bidang lingkungan secara nyata dilakukan untuk menyelamatkan dan melestarikan lingkungan seperti penanaman pohon dan tempat pembuangan limbah kegiatan perusahaan. Tanggung jawab sosial (people) secara nyata dilaksanakan perusahaan-perusahaan PT KIMA melalui aktivitas CSR pada bantuan sarana ibadah dan bantuan sarana kesehatan.","PeriodicalId":286840,"journal":{"name":"Kunuz: Journal of Islamic Banking and Finance","volume":"182 1","pages":"0"},"PeriodicalIF":0.0,"publicationDate":"2021-12-30","publicationTypes":"Journal Article","fieldsOfStudy":null,"isOpenAccess":false,"openAccessPdf":"","citationCount":null,"resultStr":null,"platform":"Semanticscholar","paperid":"123205720","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}

{"title":"Tinjauan Fiqh Muamalah Terhadap Pelaksanaan Akad Murabahah Pada Perbankan Syariah","authors":"Fathia Nur Khusna, Andi Rio Pane, Rifkah Mufida","doi":"10.30984/kunuz.v1i2.49","DOIUrl":"https://doi.org/10.30984/kunuz.v1i2.49","url":null,"abstract":"Fiqh muamalah pada perbankan syariah dewasa ini telah mengalami banyak perkembangan. Dalam skema sistem pembiayaan pada perbankan syariah di Indonesia, pelaksanaan Akad Murabahah menjadi pembiayaan yang paling banyak digunakan karena disinyalir lebih memberikan keuntungan bagi bank syariah maupun bagi nasabah. Namun dalam praktiknya, pelaksanaan akad Murabahah pada perbankan syariah dinilai telah mengalami modifikasi dengan didahuluinya akad wakalah. Hal tersebut tidak sesuai dengan fiqh muamalah klasik. Penulisan hukum ini bertujuan untuk mengkaji dan memahami bagaimana tinjauan fiqh muamalah terhadap pelaksanaan akad murabahah pada perbankan syariah. Penelitian ini merupakan penelitian hukum normatif yang mengkaji hukum tertulis berdasarkan peraturan perundang-undangan yang berlaku. Hasil penelitian ini yaitu pelaksanaan akad murabahah pada perbankan syariah dalam perkembangannya telah mengalami modifikasi dengan ditambahnya akad wakalah. Dengan adanya akad wakalah pada skema akad murabahah maka transaksi jual beli antara bank dengan nasabah menjadi tidak sah karena akad murabahah tersebut akan mengandung unsur riba. Maka dari itu agar akad murabahah dalam prakteknya tidak menyimpang dari prinsip syariah, maka pelaksanaan akad murabahah tidak boleh bersamaan dengan akad wakalah.","PeriodicalId":286840,"journal":{"name":"Kunuz: Journal of Islamic Banking and Finance","volume":"59 1","pages":"0"},"PeriodicalIF":0.0,"publicationDate":"2021-12-30","publicationTypes":"Journal Article","fieldsOfStudy":null,"isOpenAccess":false,"openAccessPdf":"","citationCount":null,"resultStr":null,"platform":"Semanticscholar","paperid":"121947410","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}

{"title":"Implementation of Murabahah Contracts in Buying and Selling Housing","authors":"Nivia Mina Audria","doi":"10.30984/kunuz.v1i2.65","DOIUrl":"https://doi.org/10.30984/kunuz.v1i2.65","url":null,"abstract":"Indonesia's economic development related to the demand for housing is increasing. Many indicators can be seen in the community, such as the number of community housing developments. These developments create property business opportunities such as buying and selling housing, especially those that avoid the element of usury so that they look for a sharia buying and selling process, one of which is a murabahah contract. This study aims to determine the implementation of the murabahah contract in buying and selling housing. This research is a descriptive research research based on literature study. Data collection is done by taking from literature sources that are relevant to the research problem. Based on the analysis of various literatures, this study concludes that in the implementation of buying and selling murabahah contracts, it is required that both parties must know the benefits that have been agreed upon and the element of usury is prohibited. In its implementation, it must meet the pillars and conditions according to sharia principles. Traded goods are not included in the categories prohibited by Islamic law. But there are some in the implementation of the murabahah contract, there are some that have been modified related to the murabahah contract.","PeriodicalId":286840,"journal":{"name":"Kunuz: Journal of Islamic Banking and Finance","volume":"218 1","pages":"0"},"PeriodicalIF":0.0,"publicationDate":"2021-12-30","publicationTypes":"Journal Article","fieldsOfStudy":null,"isOpenAccess":false,"openAccessPdf":"","citationCount":null,"resultStr":null,"platform":"Semanticscholar","paperid":"123068318","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}

{"title":"Analysis Produk Keuangan Syariah Sukuk","authors":"T. Trimulato","doi":"10.30984/kunuz.v1i2.72","DOIUrl":"https://doi.org/10.30984/kunuz.v1i2.72","url":null,"abstract":"The development of the financial industry continues increase people are increasingly interested in using Islamic financial products. The products offered are increasingly varied to meet the needs of the community. In addition to providing benefits, Islamic financial products can contribute widely to the development of the country, in this case, the Sukuk product. Legally, Sukuk or Islamic bonds, get the law first, when compared to Islamic banks. Sukuk has law number 19 of 2008 concerning State Sharia Securities (SBSN). The Sukuk instrument continues to grow and can provide benefits for investors and benefits for the country's development. The purpose of this study is to determine the development of state Sukuk products, and analysis of Islamic financial products. The method used is qualitative, with a literature study approach. The data sources used are secondary data, data that has been presented by certain institutions and then processed, and from other sources deemed relevant to the theme. The data collection technique used is literature study from several sources, both from books, journals, and others. The analytical technique used is descriptive qualitative, describes the development of Sukuk products in 2020 to 2021, and describes the analysis of the Sukuk ijarah products. The results of this study indicate that there are developments in state Sukuk in the 2019 to 2020 period, PBS Auction Sukuk, PBS Private Placement Sukuk, SNI, SPN-S, Rite Sukuk (SR), and Savings Sukuk (ST) grew by 40.80 percent. Auction PBS Sukuk grew by 39.59, PBS Private Placement Sukuk grew by 214.39%, SR grew by 72.93%, SNI Sukuk by 26.86 percent. Meanwhile, SNI Sukuk decreased by -30.01% and ST decreased by -35.76 percent. Analysis of Islamic sharia financial products, especially with the ijarah scheme. There is a sale and purchase transaction is considered engineered, then the resale of assets from the investor to the issuer such as a sale and purchase transaction is prohibited. Buying and selling of Sukuk assets which are then leased back and have a time limit and conditions on the object of sale and purchase, making the seller not have control over the asset. Then the sale and purchase can become a sale and purchase without the obligation to resell the product that has been purchased if the owner of the goods can return the money for the goods he sells.","PeriodicalId":286840,"journal":{"name":"Kunuz: Journal of Islamic Banking and Finance","volume":"12 1","pages":"0"},"PeriodicalIF":0.0,"publicationDate":"2021-12-30","publicationTypes":"Journal Article","fieldsOfStudy":null,"isOpenAccess":false,"openAccessPdf":"","citationCount":null,"resultStr":null,"platform":"Semanticscholar","paperid":"114189728","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}

{"title":"PENGARUH PRICE EARNING RATIO TERHADAP HARGA SAHAM PERUSAHAAN YANG TERDAFTAR DI JAKARTA ISLAMIC INDEX (JII)","authors":"Nurul Azizah Azzochrah, Muhammad Azhar Mushlihin, Misbahul Munir Makka","doi":"10.30984/kunuz.v1i1.28","DOIUrl":"https://doi.org/10.30984/kunuz.v1i1.28","url":null,"abstract":"Nilai saham perusahaan dapat dipengaruhi oleh beberapa faktor diantaranya return on equity, ukuran perusahaan, dan price earning ratio. Penelitian ini bertujuan untuk membuktikan secara empiris pengaruh Price Earning Ratio terhadap harga saham yang terdaftar pada Jakarta Islamic Index (JII). Metode penelitian yang digunakan dalam penelitian ini adalah penelitian kuantitatif dengan melakukan pengumpulan populasi antara lain beberapa perusahaan yang terdaftar di Jakarta Islamic Index dengan sampel 8 perusahaan yang tidak pernah delisting selama priode 2018-2021 di Jakarta Islamic Index. Analisis data menggunakan analisis regresi linear sederhana yang digunakan untuk mengetahui hubungan antara variabel dependen dengan variabel independen dengan menggunakan aplikasi SPSS. Selain analisis regresi sederhana, uji normalitas juga dilakukan untuk mengetahui apakah data yang akan diolah nantinya benar atau dapat terdistribusi secara baik. Hasil penelitian ini menunjukan bahwa Price Earning Ratio memiliki pengaruh positif terhadap harga saham di Jakarta Islmic Index. Investasi dilakukan khusus pada saham-saham yang berada pada Jakarta Islamic Index (JII) ternyata mendapatkan nilai positif yang menandakan bahwa ketika nilai Price Earning Ratio (PER) itu mengalami kenaikan.","PeriodicalId":286840,"journal":{"name":"Kunuz: Journal of Islamic Banking and Finance","volume":"33 1","pages":"0"},"PeriodicalIF":0.0,"publicationDate":"2021-08-20","publicationTypes":"Journal Article","fieldsOfStudy":null,"isOpenAccess":false,"openAccessPdf":"","citationCount":null,"resultStr":null,"platform":"Semanticscholar","paperid":"127443640","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}

{"title":"PENGARUH LOKASI BANK RAKYAT INDONESIA KANTOR CABANG PEMBANTU UNIT INOBONTO TERHADAP MINAT NASABAH UNTUK MENABUNG","authors":"Olive Mariana Paputungan, S. Syarifuddin, Ramli Semmawi","doi":"10.30984/kunuz.v1i1.25","DOIUrl":"https://doi.org/10.30984/kunuz.v1i1.25","url":null,"abstract":"Penelitian ini bertujuan untuk mengetahui Pengaruh Lokasi Bank BRI Kantor Cabang Pembantu Unit Inobonto Terhadap Minat Menabung nasabah Desa Bantik. Dan menggunakan penelitian kuantitatif, Populasi dalam penelitian adalah Nasabah Bank BRI Desa Bantik. Teknik pengambilan sampel yang di ambil dalam peneitian ini menggunakan rumus Hair sehingga di dapatkan sampel sebanyak 110 responden. Data yang digunakan dalam penelitian ini adalah data primer. Teknik analisis data yang digunakan dalam penelitian ini yaitu uji validitas, uji reliabilitas, uji normalitas, uji korelasi, uji regresi linier sederhana, dan uji t (persial). Hasil dalam penelitian mengungkapkan bahwa Lokasi Bank BRI Kcp Unit Inobonto berpengaruh terhadap minat nasabah di Desa Bantik untuk menabung di Bank BRI Kcp Unit Inobonto. Hal ini menunjukkan bahwa nilai thitung 8,167 > ttabel 1,982 sehingga Ha diterima dan Ho ditolak. Selain itu, berdasarkan nilai signifikasi dari tabel Cofficients diperoleh nilai signifikasi sebesar 0,000 < 0,05 maka Ho ditolak dan Ha diterima. Sehingga dapat disimpulkan bahwa Lokasi Bank BRI Kcp Unit Inobonto berpengaruh terhadap Minat Menabung Nasabah di Desa Bantik","PeriodicalId":286840,"journal":{"name":"Kunuz: Journal of Islamic Banking and Finance","volume":"942 1","pages":"0"},"PeriodicalIF":0.0,"publicationDate":"2021-08-10","publicationTypes":"Journal Article","fieldsOfStudy":null,"isOpenAccess":false,"openAccessPdf":"","citationCount":null,"resultStr":null,"platform":"Semanticscholar","paperid":"123300883","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}

{"title":"FAKTOR-FAKTOR YANG MEMENGARUHI KEPUTUSAN NASABAH MENGGUNAKAN PEGADAIAN SYARIAH PADA CABANG PEGADAIAN SYARIAH (CPS) DATOE BINANGKANG","authors":"Nurul Fauziah Olii, Nasruddin Yusuf","doi":"10.30984/kunuz.v1i1.24","DOIUrl":"https://doi.org/10.30984/kunuz.v1i1.24","url":null,"abstract":"Nasabah dalam memutuskan pilihan terhadap lembaga keuangan, perlu mempertimbangkan beberapa faktor tertentu. Demikian halnya nasabah dalam menentukan untuk menggunakan layanan jasa seperti Pegadaian Syariah. Penelitian ini bertujuan untuk mengetahui faktor-faktor yang dapat memengaruhi keputusan nasabah menggunakan pegadaian syariah (CPS) Datoe Binangkang. Penelitian ini dilaksanakan di Kota Kotamobagu metode yang digunakan dalam penelitian ini adalah kualitatif. Metode pengumpulan data dilakukan dengan tiga cara yaitu observasi, wawancara, dokumentasi. Pegumpulan data dilakukan untuk memperoleh data di lapangan data tersebut selanjutnya dianalisis secara deskriptif kualitatif. Hasil penelitian ini menunjukkan bahwa dengan adanya kualitas pelayanan yang melebihi harapan nasabah yang dilakukan dan diterapkan pegadaian syariah dapat memenuhi keinginan serta kebutuhan nasabah demi tercapainya kepuasan pada nasabah itu sendiri. Hal tersebut akan membuat nasabah semakin percaya untuk menggunakan jasa pegadaian syariah, faktor lokasi yang mudah dicapai, adanya akses transportasi, tersedianya lahan parkir, lokasi yang strategi, adanya lokasi tenaga kerja, serta berdekatan dengan pusat perbelanjaan menjadi alasan utama nasabah dalam memilih. Demikian juag faktor promosi seperti media cetak, media sosial dan tatap muka sangat memengaruhi nasabah/masyarakat untuk menggunakan pegadaian syariah dalam melakukan segala macam transaksi secara terus menerus atau berulang, faktor religiusitas sangat memengaruhi keputusan nasabah/masyarakat dalam menggunakan pegadaian Syariah, karena dalam pegadaian Syariah sesuai dengan syariat Islam","PeriodicalId":286840,"journal":{"name":"Kunuz: Journal of Islamic Banking and Finance","volume":"51 39","pages":"0"},"PeriodicalIF":0.0,"publicationDate":"2021-08-10","publicationTypes":"Journal Article","fieldsOfStudy":null,"isOpenAccess":false,"openAccessPdf":"","citationCount":null,"resultStr":null,"platform":"Semanticscholar","paperid":"132389564","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}