Wadiah最新文献 - Book学术

Urgensi Mutu Pelayanan Customer Service Dalam Meningkatkan Kepuasan Dan Loyalitas Nasabah 客户服务质量对提高客户满意度和忠诚度的迫切性

Wadiah Pub Date : 2024-07-14 DOI: 10.30762/wadiah.v8i2.1509

Choiru Umatin, Chelsea Vanessa, Atina Sulkha, Noviana Nurkholifah, A. Pambudi, Mochamad Nasichin Al Muiz, M. Ridwanulloh, Kata Kunci, Mutu Pelayanan

{"title":"Urgensi Mutu Pelayanan Customer Service Dalam Meningkatkan Kepuasan Dan Loyalitas Nasabah","authors":"Choiru Umatin, Chelsea Vanessa, Atina Sulkha, Noviana Nurkholifah, A. Pambudi, Mochamad Nasichin Al Muiz, M. Ridwanulloh, Kata Kunci, Mutu Pelayanan","doi":"10.30762/wadiah.v8i2.1509","DOIUrl":"https://doi.org/10.30762/wadiah.v8i2.1509","url":null,"abstract":"ABSTRACT \u0000Service capability plays an important role for the sustainability of a company in increasing customer satisfaction and loyalty. The main priority of a company engaged in banking services is customer satisfaction. In winning the increasingly competitive competition, the Bank strives to provide the best service (service excellent). This study aims to determine the importance of retaining customers and reaching potential customers. In addition, to find out how to maintain and improve the quality and loyalty of its customers. The research uses a library research method in which data is collected based on academic data bases, digital libraries, and repositories of educational institutions. Some references are obtained from books, scientific journals, articles and research reports relevant to customer service quality research in improving customer quality and loyalty. The result is that customer service quality has a crucial role in shaping customer perceptions of financial institutions. Quality of service is very concerned about satisfaction and loyalty to maintain a positive brand image or image in the eyes of the community. The effect of customer satisfaction on customer loyalty can show that customer satisfaction has a significant effect on customer loyalty. Increasing service quality has an impact on customer satisfaction and loyalty is also increasing. Conversely, if the quality of Customer Service service decreases, it will have an impact on worsening customer satisfaction and loyalty.","PeriodicalId":485710,"journal":{"name":"Wadiah","volume":" 103","pages":""},"PeriodicalIF":0.0,"publicationDate":"2024-07-14","publicationTypes":"Journal Article","fieldsOfStudy":null,"isOpenAccess":false,"openAccessPdf":"","citationCount":null,"resultStr":null,"platform":"Semanticscholar","paperid":"141833788","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 Kualitas Layanan Terhadap Kepuasan Nasabah Pada Produk BSI Tabungan Easy Wadiah 服务质量对 BSI 储蓄易 Wadiah 产品客户满意度的影响

Wadiah Pub Date : 2024-07-08 DOI: 10.30762/wadiah.v8i2.1440

Devid Frastiawan, Amir Sup, Sabaruddin

{"title":"Pengaruh Kualitas Layanan Terhadap Kepuasan Nasabah Pada Produk BSI Tabungan Easy Wadiah","authors":"Devid Frastiawan, Amir Sup, Sabaruddin","doi":"10.30762/wadiah.v8i2.1440","DOIUrl":"https://doi.org/10.30762/wadiah.v8i2.1440","url":null,"abstract":"Banks in their development will always face very competitive situations. It is important for banks to be able to achieve competitive advantage, one thing banks can do is to develop service quality. Banks must do several things that can bind customers' hearts to remain loyal to the bank, so the services provided by the bank must be right on target, so that customer satisfaction becomes an important part of maintaining customer loyalty to the bank. This research aims to measure the influence of service quality on customer satisfaction with the BSI Easy Wadiah Savings product, at Bank Syariah Indonesia KCP Magelang Muntilan, Central Java. The method used in this research is a quantitative method, using SPSS software analysis tools. There are two variables used in this research, namely the independent variable Service Quality (X) and the dependent variable Customer Satisfaction (Y). The results obtained from this research are that there is a positive and significant influence between service quality and customer satisfaction. If service quality increases, customer satisfaction will also be higher. This is proven by the results of the t test analysis which shows the calculated t is 19.213 with a significance level of 0.01.","PeriodicalId":485710,"journal":{"name":"Wadiah","volume":"27 14","pages":""},"PeriodicalIF":0.0,"publicationDate":"2024-07-08","publicationTypes":"Journal Article","fieldsOfStudy":null,"isOpenAccess":false,"openAccessPdf":"","citationCount":null,"resultStr":null,"platform":"Semanticscholar","paperid":"141836161","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

Analisis Strategi Penyelesaian Pembiayaan Bermasalah Pada Produk Rahn Di KSPPS “BMT Berbagi” Jepara 哲帕拉 KSPPS "BMT Berbagi" 拉恩产品问题融资解决策略分析

Wadiah Pub Date : 2024-07-08 DOI: 10.30762/wadiah.v8i2.1499

Syifaur Rohman, M. Ansori

{"title":"Analisis Strategi Penyelesaian Pembiayaan Bermasalah Pada Produk Rahn Di KSPPS “BMT Berbagi” Jepara","authors":"Syifaur Rohman, M. Ansori","doi":"10.30762/wadiah.v8i2.1499","DOIUrl":"https://doi.org/10.30762/wadiah.v8i2.1499","url":null,"abstract":"This research aims to identify the factors that cause financing problems and strategies for handling them at the BMT Sharia Savings and Loans and Financing Cooperative (KSPPS) in Jepara. A descriptive qualitative approach is used to describe the problematic financing phenomenon experienced by Islamic financial institutions. Primary data was obtained through interviews and direct observation, while secondary data was collected from financial reports and periodicals. Data analysis was carried out using data reduction techniques, data presentation, and drawing conclusions according to Miles and Huberman's theory. \u0000The research results show that financing problems at KSPPS BMT Sharing are caused by internal factors, such as weak financing analysis, lack of supervision, and suboptimal coordination of the financing committee. External factors include the impact of the COVID-19 pandemic, economic inflation, and the character of members who are irresponsible in paying installments. The handling strategies implemented include preventive measures (financing analysis, monitoring and evaluation), revitalization (rescheduling, restructuring and reconditioning), as well as curative measures (collateral execution, liquidation and collection through third parties). The effectiveness of this strategy is proven by reducing the number of non-performing financing by 19% from 2022 to 2023 ","PeriodicalId":485710,"journal":{"name":"Wadiah","volume":"6 2","pages":""},"PeriodicalIF":0.0,"publicationDate":"2024-07-08","publicationTypes":"Journal Article","fieldsOfStudy":null,"isOpenAccess":false,"openAccessPdf":"","citationCount":null,"resultStr":null,"platform":"Semanticscholar","paperid":"141836697","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

Literasi Perbankan Syariah Untuk Meningkatkan Akselerasi Inklusi Keuangan (Studi pada Bank Syariah Indonesia (BSI) KCP Probolinggo) 普及伊斯兰银行知识，加快金融包容性（在印度尼西亚伊斯兰银行（BSI）KCP Probolinggo进行的研究）

Wadiah Pub Date : 2024-07-04 DOI: 10.30762/wadiah.v8i2.1449

Mohammad Syaiful Suib, Lina Amelia

{"title":"Literasi Perbankan Syariah Untuk Meningkatkan Akselerasi Inklusi Keuangan (Studi pada Bank Syariah Indonesia (BSI) KCP Probolinggo)","authors":"Mohammad Syaiful Suib, Lina Amelia","doi":"10.30762/wadiah.v8i2.1449","DOIUrl":"https://doi.org/10.30762/wadiah.v8i2.1449","url":null,"abstract":"This research aims to analyze the literacy used by syariah banking in increasing the acceleration of financial inclusion at BSI KCP Probolinggo. This research explores the impact of the role of syariah banking literacy on accelerating financial inclusion, in the context of inclusive and sustainable syariah banking. This topic was chosen to fill the gap in understanding the contribution of syariah banking literacy to the development of financial inclusion, which is a crucial aspect in building a sustainable syariah financial institutional environment. The qualitative approach used in this research is a case study type. The selection of objects at BSI KCP Probolinggo was based on considerations because the bank is one of the syariah financial institutions that plays an important role in the development of syariah finance in the Probolinggo area. The techniques used to collect research data consist of in-depth interviews, participant observation, and documentation. Where the research data consists of primary data obtained from several research informants, namely the director of BSI KCP Probolinggo, three employees of BSI KCP Probolinggo, five customers of BSI KCP Probolinggo. Meanwhile, secondary data was obtained from national and international journals that were relevant to research. The data analysis techniques used consist of data reduction, data display, and drawing conclusions. The research results show that syariah banking literacy in increasing financial inclusion is carried out by providing financial education, holding promotions and marketing, and conducting outreach through various media. Syariah banking literacy has a significant impact on increasing financial inclusion.","PeriodicalId":485710,"journal":{"name":"Wadiah","volume":"35 4","pages":""},"PeriodicalIF":0.0,"publicationDate":"2024-07-04","publicationTypes":"Journal Article","fieldsOfStudy":null,"isOpenAccess":false,"openAccessPdf":"","citationCount":null,"resultStr":null,"platform":"Semanticscholar","paperid":"141837480","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

Cash Waqf Linked Deposit; Sebuah Alternatif Pendanaan Pendidikan Tinggi 与宗教基金挂钩的现金存款；高等教育资金的替代方案

Wadiah Pub Date : 2024-07-01 DOI: 10.30762/wadiah.v8i2.1344

Erick Kurniawan, M. R. Maika, Fitri Nur Latifah, Rahadi Kristiyanto

{"title":"Cash Waqf Linked Deposit; Sebuah Alternatif Pendanaan Pendidikan Tinggi","authors":"Erick Kurniawan, M. R. Maika, Fitri Nur Latifah, Rahadi Kristiyanto","doi":"10.30762/wadiah.v8i2.1344","DOIUrl":"https://doi.org/10.30762/wadiah.v8i2.1344","url":null,"abstract":"This research analyzes the potential of the IPB-BSI-01 Series Cash Waqf Linked Deposit (CWLD) in collecting waqf funds for education. Using a qualitative descriptive approach with interview techniques and documentation studies, it was found that the CWLD Series IPB-BSI-01 succeeded in attracting public interest, collecting more than IDR 19.5 billion in waqf funds. However, this number has only reached 19% of the national target of IDR 100 billion, indicating that there are still large opportunities for improvement. The success of the IPB-BSI-01 Series CWLD is due to the ease of access and flexibility of waqf, transparency and accountability in fund management, as well as the clear benefits of educational scholarships for recipients. Challenges faced include a lack of socialization and literacy of CWLD products in the community, as well as the gap between national targets and current funding. The research conclusion shows that the CWLD IPB-BSI-01 Series has great potential as an important instrument in collecting education waqf funds in Indonesia. Constructive steps that need to be taken include intensive outreach, optimizing technology, diversifying fundraising strategies, strengthening transparency and accountability, as well as developing innovative products and services. With the collaboration of various parties, including the government, educational institutions, the private sector and the wider community, the IPB-BSI-01 Series CWLD program can achieve national targets and provide a significant positive impact on the future of education in Indonesia.","PeriodicalId":485710,"journal":{"name":"Wadiah","volume":"6 6","pages":""},"PeriodicalIF":0.0,"publicationDate":"2024-07-01","publicationTypes":"Journal Article","fieldsOfStudy":null,"isOpenAccess":false,"openAccessPdf":"","citationCount":null,"resultStr":null,"platform":"Semanticscholar","paperid":"141848392","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

Implementasi Prinsip Kehati-Hatian Dan Sistem Tanggung Renteng Dalam Meminimalisir Pembiayaan Bermasalah Pada Bank Wakaf Mikro Tebuireng Mitra Sejahtera Jombang Tebuireng Mitra Sejahtera Micro Waqf Bank Jombang 实施审慎原则和分租制度以尽量减少问题融资

Wadiah Pub Date : 2024-05-13 DOI: 10.30762/wadiah.v8i1.1271

Syafrin Aulia Annis, Binti Mutafarida, Supri Sugiarto, Yuliani Yuliani

{"title":"Implementasi Prinsip Kehati-Hatian Dan Sistem Tanggung Renteng Dalam Meminimalisir Pembiayaan Bermasalah Pada Bank Wakaf Mikro Tebuireng Mitra Sejahtera Jombang","authors":"Syafrin Aulia Annis, Binti Mutafarida, Supri Sugiarto, Yuliani Yuliani","doi":"10.30762/wadiah.v8i1.1271","DOIUrl":"https://doi.org/10.30762/wadiah.v8i1.1271","url":null,"abstract":"This article aims to determine the implementation of the prudential principle and joint responsibility system in minimising problematic financing at BWM Tebuireng Mitra Sejahtera. This research uses a qualitative approach with descriptive research. The data collection techniques used were observation, interview, and documentation. The results of this study explain that 1) The implementation of the prudential principle at BWM Tebuireng Mitra Sejahtera has been implemented properly and effectively according to the stages and procedures that have been determined through the application of the 5C principle assessment (Character, Capacity, Capital, Collateral, and Condition of Economy). Of the five principles, the most prioritised assessment by BWM Tebuireng Mitra Sejahtera is the Character of prospective customers in analysing the feasibility of prospective customers. 2) The implementation of the joint responsibility system is carried out through several stages, among others: Identification, Socialisation, Customer Eligibility Test, Pre PWK (Pre Mandatory Group Training), PWK (Mandatory Group Training), and Halmi (Weekly Halaqah). 3) The implementation of the prudential principle and joint responsibility system can minimise the number of non-performing financing at BWM Tebuireng Mitra Sejahtera marked by the percentage of NPF (Non Performing Financing) which has decreased every year. ","PeriodicalId":485710,"journal":{"name":"Wadiah","volume":" 8","pages":""},"PeriodicalIF":0.0,"publicationDate":"2024-05-13","publicationTypes":"Journal Article","fieldsOfStudy":null,"isOpenAccess":false,"openAccessPdf":"","citationCount":null,"resultStr":null,"platform":"Semanticscholar","paperid":"141128638","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 Fitur BSI Mobile Dan Kemudahan Bertransaksi Terhadap Kepuasan Nasabah Di BSI Kc Madiun Agus Salim BSI 移动功能和交易便捷性对 BSI 客户满意度的影响 Kc Madiun Agus Salim

Wadiah Pub Date : 2024-05-11 DOI: 10.30762/wadiah.v8i1.565

Dewi Khotijah, Ratna Yunita

引用次数: 0

Akad-Akad Transaksi Perbankan Syariah Dalam Tinjauan Studi Hadits 圣训研究评论》中的伊斯兰银行交易协议

Wadiah Pub Date : 2024-05-11 DOI: 10.30762/wadiah.v8i1.346

Sahudi Sahudi

{"title":"Akad-Akad Transaksi Perbankan Syariah Dalam Tinjauan Studi Hadits","authors":"Sahudi Sahudi","doi":"10.30762/wadiah.v8i1.346","DOIUrl":"https://doi.org/10.30762/wadiah.v8i1.346","url":null,"abstract":"\u0000This study aims to describe and analyze 1) contracts in Islamic banking, 2) hadith about contracts in Islamic banking transactions, 3) implementation of hadith in Islamic Banking transactions.\u0000The research method uses the interpretation research method, with a descriptive analysis method. The hadith studies used in this study are in the following arrangement: 1) hadith texts and sanad hadith, 2) translation of hadith, 3) brief biography of sanad / hadith scholar, 4) analysis of hadith, 5) implementation of hadith in Islamic Banking transactions.\u0000The results of the study 1) contracts in Islamic Banking transactions consist of a) Mudharabah, b) Musyarakah, c) Murabahah, d) Ijarah, e) Qard al Hasan, f) Wakalah, g) Kafalah; 2) In general, hadith in the context of Islamic banking transactions serves to show the validity of a contract and provide guidance in carrying out these transactions in sharia. The hadith is also evidence of the initial agreement between the parties involved in Islamic banking transactions and serves as a handle in resolving disputes in the event of a dispute between them; 3) In mudharabah and musyarakah agreements, banks and customers share risks and benefits with each other. It aims to encourage partnerships and cooperation in business, as well as minimize the risk of failure. In its application, Islamic banking follows islamic sharia rules and principles, including in determining profits and risks that must be shared fairly between banks and customers. \u0000","PeriodicalId":485710,"journal":{"name":"Wadiah","volume":" 20","pages":""},"PeriodicalIF":0.0,"publicationDate":"2024-05-11","publicationTypes":"Journal Article","fieldsOfStudy":null,"isOpenAccess":false,"openAccessPdf":"","citationCount":null,"resultStr":null,"platform":"Semanticscholar","paperid":"141128722","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

Efek Kompetitif Merger Bank Syariah Indonesia Terhadap Penyaluran Pembiayaan UMKM Dan Non-UMKM 印尼伊斯兰银行合并对中小微企业和非中小微企业融资分布的竞争影响

Wadiah Pub Date : 2024-05-11 DOI: 10.30762/wadiah.v8i1.993

A. Fadilla

{"title":"Efek Kompetitif Merger Bank Syariah Indonesia Terhadap Penyaluran Pembiayaan UMKM Dan Non-UMKM","authors":"A. Fadilla","doi":"10.30762/wadiah.v8i1.993","DOIUrl":"https://doi.org/10.30762/wadiah.v8i1.993","url":null,"abstract":"Bank Syariah Indonesia (BSI) is merged of three state-owned subsidiary Islamic banks, namely Bank Syariah Mandiri (BSM), Bank Negara Indonesia (BNI) Syariah, and Bank Rakyat Indonesia Syariah (BRIS). The merger of the three banks is expected to provide benefits, especially for the majority of Indonesian Muslims. In addition, it can also increase the value of the company by increasing profits both through raising funds and distributing financing. This study was conducted to examine the competitive effect of Bank Syariah Indonesia merger on the distribution of UMKM financing, non-UMKM financing, total financing. The bank's performance to be tested consists of market share, net trade cycle (NTC), investment, interest expense, and return on asset (ROA) in pre and post merger at Bank Syariah Indonesia. This study used 53 data, 5 bank data after the merger and 48 bank data before the merger to test the hypothesis whether there is an influence of market share, NTC, investment, ROA on UMKM financing, non-UMKM financing and total financing. The results showed that investment variables affect UMKM financing, non-UMKM financing and total financing while market share, NTC, interest expense, and ROA variables do not affect UMKM financing, non-UMKM financing and total financing.","PeriodicalId":485710,"journal":{"name":"Wadiah","volume":" 7","pages":""},"PeriodicalIF":0.0,"publicationDate":"2024-05-11","publicationTypes":"Journal Article","fieldsOfStudy":null,"isOpenAccess":false,"openAccessPdf":"","citationCount":null,"resultStr":null,"platform":"Semanticscholar","paperid":"141128837","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