PENGARUH PREFERENSI AGAMIS DAN PREFERENSI EKONOMIS DALAM BERINVESTASI DEPOSITO SYARIAH DI KOTA MALANG

AbstractInvestment is the initial capital in a country's economic development. Shariah bank in this case BRI Syariah is expected to be able to contribute to the growth of public investment in Indonesia through Sharia Deposits. There is a growing perception in the community that Islamic banks are the same as conventional banks, indicating that there are still many people who do not know about Islamic banking. This condition makes the level of public preference for Islamic banks is low. The level of preference can be determined by measuring the economic level and the profit value of each product or service. The purpose of this study is to look at the influence of religious preferences and economic preferences on investing in Islamic deposits in BRI Syariah Soekarno-Hatta Malang The population of this study is BRI Syariah KC Soekarno-Hatta Malang customers who have Sharia Deposit with 94 samples and the sampling technique uses purposive sampling. Data analysis techniques using SPSS 22 for windows program. The results of this study indicate that simultaneously the variables of Religious Preference and Economic Preference have a significant effect on the variable Investing in Islamic Deposits, while partially there is a significant effect between the variables of Religious Preference on Investing Islamic Deposits and partially there is a significant effect between the variables of Economic Preference on Investing Deposits Sharia.

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KIAI AND ISLAMIC BANK (The Typology of Kiai Based on Their Perception and Behaviour toward Islamic Bank)

I-Finance a Research Journal on Islamic Finance ◽

10.19109/ifinace.v5i1.3713 ◽

1970 ◽

Vol 5 (1) ◽

pp. 1-8

Author(s):

AM. M. Hafidz MS ◽

Agus Fakhrina

Keyword(s):

Sampling Technique ◽

Phenomenological Approach ◽

Primary Data ◽

Islamic Banks ◽

Islamic Bank ◽

Central Java ◽

Conventional Banks ◽

Important Position ◽

Qualitative Phenomenological ◽

And Behavior

This article aims to explain the perceptions and behavior of Moslem scholars (ulama/kiai) on the coast of Central Java toward Islamic banks. It is unassailable that finding out the kiai’s perception and behavior toward Islamic banks becomes unavoidable because the kiai occupies a very important position in the social structure as an agent of social change. In order to have an approriate understanding toward the perception and behavior, this study used qualitative-phenomenological approach. The main source of primary data were obtained from the kiai in Pekalongan region by using purposive sampling technique. Indepth-interview as the prominent method in gaining data was reinforced by observation method. To get validity of data, internal and external validity were performed. The former was taken through four stages, namely triangulation, emic process, member checking and prolonged time; and the latter through transferability. Data were analyzed inductively through three cronological steps, e.i. data reduction, display and conclusion drawing. Based on the perceptions and behavior of scholars toward Islamic banks, this study concludes that there are three categories of kiai. The first is an idealist compromise (kompromis-idealis) which argues that Islamic banks do not fully comply with sharia compliance yet, the use of Islamic banks is compulsory and conventional banks are not substitutes for Islamic banks. The second is a realistic compromise (kompromis realistis) which infers that Islamic banks are not fully accordance with sharia commpliance, the use of Islamic banks is not mandatory, but conventional banks are not substitutes for Islamic banks. The third is resistance (resisten) which argues that Islamic banks are not much different from conventional banks, so making use of Islamic bank is not obligation, and conventional banks substitute Islamic banks.

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Pengaruh Nilai Tukar (Kurs) dan Inflasi terhadap Tingkat Non Performing Financing (NPF) Pada Bank Syariah

El-Mal: Jurnal Kajian Ekonomi & Bisnis Islam ◽

10.47467/elmal.v2i2.548 ◽

2019 ◽

Vol 2 (2) ◽

pp. 214-224

Author(s):

Muhammad Arfan Harahap ◽

Anjur Perkasa Alam ◽

Muspita Pradila

Keyword(s):

Exchange Rate ◽

Time Series Data ◽

Sampling Technique ◽

Series Data ◽

Islamic Banks ◽

Exogenous Variables ◽

Independent Variables ◽

Analysis Technique ◽

The Exchange Rate ◽

Conventional Banks

The level of Non-Performing Financing at Islamic Banks is higher than conventional banks, while in terms of total assets, Islamic Banks are smaller. This study aims to analyze the effect of exogenous variables consisting of the level of inflation and the exchange rate of the rupiah against non Performing Financing in Islamic banks. This study uses time series data from 2016-2018. The population in this study consisted of Islamic Commercial Banks. The sampling technique used in this research is purposive sampling technique. The data analysis technique used is Multiple Linear Regression. The results showed that the inflation variable had a positive and significant effect on Non Performing Financing. While the Exchange Rate has no effect on Non Performing Finance. Meanwhile, simultaneously the two independent variables affect the independent variables.

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PENGARUH ISLAMIC MARKETING TERHADAP KEPUASAN DAN LOYALITAS NASABAH PADA BANK MUAMALAT CABANG MALANG

Journal Publicuho ◽

10.35817/jpu.v4i2.17704 ◽

2021 ◽

Vol 4 (2) ◽

pp. 239

Author(s):

Langgeng Setyono

Keyword(s):

Customer Satisfaction ◽

Market Share ◽

Customer Loyalty ◽

Banking Industry ◽

Sampling Technique ◽

Islamic Banks ◽

Muslim Population ◽

Conventional Banks ◽

Islamic Values ◽

Customer Satisfaction And Loyalty

Indonesia is a country with a majority Muslim population. In the context of Indonesian’s, Muslims constitute a very large market share for marketing products, especially Islamic products. One of the products based on Islamic values is Islamic Bank. In Indonesia, Bank Muamalat is the first bank in existence. With such a large Muslim population, on the other hand, Islamic banks do not hold market share in the national banking industry. Islamic banks lag behind other conventional banks. Therefore, a strategy is needed to increase that market share. Islamic marketing is a strategy that can be used to increase customer satisfaction and loyalty at Bank Muamalat Indonesia.This research is an explanatory research with a quantitative approach. The sampling technique used in this study was purposive sampling. Respondents in this study were 120 people. The Machin and Campbell formula is used to determine the number of respondents. The objectives of this study are (1) to determine the effect of Islamic marketing on customer satisfaction; (2) to determine the effect of Islamic marketing on customer loyalty; (3) To determine the effect of customer satisfaction on customer loyalty.The results of this study are (1) Islamic marketing has a significant effect on customer satisfaction; (2) Islamic marketing has a significant effect on customer loyalty; and (3) Customer satisfaction has a significant effect on customer loyalty. So that Bank Muamalat in increasing customer satisfaction and loyalty needs to improve the existing indicators in Islamic Marketing

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Effect Of Perception On Sharia Banks And Variety Seeking On Customer Switching Intention From Conventional Banks To Sharia Banks In Bekasi City

JURNAL EKONOMI DAN PERBANKAN SYARIAH ◽

10.46899/jeps.v7i2.118 ◽

2019 ◽

Vol 7 (2) ◽

pp. 5-19

Author(s):

Estu Banyu Ramadhani ◽

Adril Hakim ◽

Rianti Pratiwi

Keyword(s):

Islamic Law ◽

Sampling Technique ◽

Partial Least Square ◽

Least Square ◽

Islamic Banks ◽

Variety Seeking ◽

Customer Perceptions ◽

Customer Switching ◽

Conventional Banks ◽

Potential Customers

As known, the competition between banks in Indonesia is increasingly tight. Making each bank in various ways such as developing products, improving services, procuring promos, etc., continues to be carried out to get potential customers for the continuity of their business. Only banks are able to attract new consumers and retain old consumers who may be able to grow and develop for long periods of time. Therefore, it becomes a challenge for sharia bank marketers in creating marketing strategies in accordance with Islamic law. In this case, one of the things that can be done by Islamic bank marketers is to approach the community by identifying whether or not there are customers of conventional banks who want to move to Islamic banks. This study aims to determine the effect of customer perceptions of Islamic banks and variety seeking on the customer intention to switch from conventional banks to Islamic banks. Data collection techniques in this study were conducted by distributing questionnaires to all Muslim society in Bekasi City. Sampling is done by judgmental sampling technique so that it gets 101 samples. The research method used is quantitative associative research and data is processed using Partial Least Square (PLS). The results of this study indicate that only variable perception society about the bank sharia who influential significant effect on the customer intention to switch from conventional banks to Islamic banks, while variety seeking does not have a significant effect on the customer intention to switch from conventional banks to Islamic banks.

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Technology Based Employees Training and Organizational Performance as Perceived by Employees

Information Management and Business Review ◽

10.22610/imbr.v5i8.1070 ◽

2013 ◽

Vol 5 (8) ◽

pp. 417-423

Author(s):

Asad Afzal Humayoun ◽

Kashif Ur Rehman .

Keyword(s):

Organizational Performance ◽

Random Sampling ◽

Banking Sector ◽

Sampling Technique ◽

Islamic Banks ◽

Organizational Strategies ◽

Internal Customers ◽

Market Shares ◽

Conventional Banks

The present study explores the nature of the technology-based HR trainings practices with a focus on the banking sector in Pakistan. The study was carried out in the twin-cites of Rawalpindi and Islamabad. Random sampling technique was adopted and population mainly was categorized into six Islamic banks and 6 conventional Banks. The study recommends that by implementing the technology-based training and acquiring the inputs from the top level management and the internal customers using this input and information for the organizational strategies and goal, can further the market shares and the profitability.

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Pengaruh Komitmen dan Kepercayaan terhadap Kepuasan Nasabah Bank Syariah di Surabaya (The Effect of Commitment and Trust for Customer Satisfaction Islamic Banking in Surabaya)

Perisai Islamic Banking and Finance Journal ◽

10.21070/perisai.v3i1.1981 ◽

2019 ◽

Vol 3 (1) ◽

pp. 1

Author(s):

Erwan Aristyanto ◽

Andi Farouq Hasan ◽

Aditya Surya Nanda

Keyword(s):

Data Analysis ◽

Customer Satisfaction ◽

Competitive Advantage ◽

Design Research ◽

Islamic Banking ◽

Islamic Banks ◽

Competitive Strategies ◽

Short Term ◽

Analysis Techniques ◽

Conventional Banks

Intense competition between banks is increasingly tight good conventional banks as well as Islamic banks. The rivalry has led banks to get competitive strategies do customers. Strategy all aimed at satisfying the customer's bank. The key competitive advantage in a situation full of competition is the ability of the bank in improving customer satisfaction. Customer satisfaction will be the key to success, not only in the short term but sustain- able competitive advantage. The purpose of this research is to find out and analyse the influence the commitment and trust of customer satisfaction on Sharia in Surabaya. The population in this study is bank syariah in Surabaya and the number of samples as much as 95 clients. The technique of sampling by using purposive sampling namely sampling with certain considerations. Design research is quantitative with the hypothesis. Data analysis techniques using multiple linear regression using SPSS 23.

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ANALISIS PERBANDINGAN KINERJA KEUANGAN BANK KONVENSIONAL DENGAN BANK SYARIAH PERIODE 2015-2019

Jurnal Akuntansi Bisnis ◽

10.30813/jab.v14i2.2511 ◽

2021 ◽

Vol 14 (2) ◽

Author(s):

Ila Komalasari ◽

Wirman Wirman

Keyword(s):

Financial Performance ◽

Random Sampling ◽

Sampling Technique ◽

Simple Random Sampling ◽

Financial Ratios ◽

Islamic Banks ◽

Banking Services ◽

Conventional Banks ◽

Banking Institution ◽

Descriptive Method

ABSTRACT: Even though the majority of the population of Indonesia is Muslim, there is a lack of views about the advantages of Islamic banks, so they prefer to use conventional banking services. The target to be achieved is to find out whether there is a dissimilarity between conventional banks and Islamic banks in their financial performance. And to find out which banking institution is superior based on financial performance ratios. This study uses a comparative descriptive method through a quantitative approach. The sampling technique used is simple random sampling technique. The data used are financial ratios, namely CAR, NPL/NPF, ROA, BOPO, and LDR/FDR. Then the facts are as follows: 1) There is dissimilarity in CAR performance between the two banks, and CAR at conventional banks is superior to Islamic banks. 2) There is dissimilarity in the performance of NPL/NPF between the two banks, and the NPL/NPF of conventional banks is superior to that of Islamic banks. 3) There is no dissimilarity in ROA performance between the two banks, and ROA at conventional banks is superior to Islamic banks. 4) There is no dissimilarity in BOPO performance between the two banks, and BOPO at conventional banks is superior to Islamic banks. 5) There is no dissimilarity in the performance of LDR/FDR between the two banks, and LDR/FDR in Islamic banks is superior to conventional banks.Keywords: Conventional Banks, Islamic Banks, Financial Performance, Financial Ratios ABSTRAK: Kendatipun sebagian besar penduduk negara Indonesia beragama Muslim, namun minimnya pandangan mengenai keunggulan bank syariah sehingga mereka lebih memilih memanfaatkan jasa perbankan konvensional. Sasaran yang ingin dicapai yakni ingin mendapati ada tidaknya dismilaritas bank konvensional dengan bank syariah dalam kinerja keuangannya, dan untuk mendapati lembaga perbankan mana yang lebih unggul beralaskan rasio kinerja keuangan. Penelitian ini memakai metode deskriptif komparatif melalui pendekatan kuantitatif. Dengan Teknik pengambilan sampel yang dipakai yakni teknik simple random sampling. Data yang dipakai berupa rasio-rasio keuangan yaitu CAR, NPL/NPF, ROA, BOPO, dan LDR/FDR. Kemudian faktanya yakni seperti berikut ini: 1) Adanya dismilaritas kinerja CAR antara kedua bank, dan CAR pada bank konvensional lebih unggul ketimbang bank syariah. 2) Adanya dismilaritas kinerja NPL/NPF antara kedua bank, dan NPL/NPF pada bank konvensional lebih unggul ketimbang bank syariah. 3) Tidak adanya dismilaritas kinerja ROA antara kedua bank, dan ROA pada bank konvensional lebih unggul ketimbang bank syariah. 4) Tidak adanya dismilaritas kinerja BOPO antara kedua bank, dan BOPO pada bank konvensional lebih unggul ketimbang bank syariah. 5) Tidak adanya dismilaritas kinerja LDR/FDR antara kedua bank, dan LDR/FDR pada bank syariah lebih unggul ketimbang bank konvensional.Kata Kunci: Bank Konvensional, Bank Syariah, Kinerja Keuangan, Rasio Keuangan

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Fatwa Majelis Ulama Indonesia Nomor 1 Tahun 2004 tentang Bunga Bank

AL-MUQAYYAD: Jurnal Ekonomi Syariah ◽

10.46963/jam.v4i1.372 ◽

2021 ◽

Vol 4 (1) ◽

pp. 53-69

Author(s):

Sandi Saputra ◽

Selviani Selviani

Keyword(s):

Qualitative Research ◽

Sampling Technique ◽

Islamic Banks ◽

Purposive Sampling ◽

The Public ◽

The People ◽

Research Findings ◽

Conventional Banks ◽

The Prestige

This study aimed to explain the citizen of Pulau Palas's perspective on the MUI fatwa number 1 of 2004 regarding bank interest. This type of research was qualitative research using a purposive sampling technique. Data were analyzed using the Miles and Huberman method. The research findings showed that the public agreed that bank interest is usury, the fatwa should be comprehended as long as the decision is sincere for the benefit of the people. However, most of them still rely on conventional banking because of distrust of the system used by Islamic banks, as well as the ignorance of the existence of the fatwa. Therefore, the people viewed that the fatwa was issued to promote or increase the prestige of Islamic banks so that people turn to Islamic banks and leave conventional banks.

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A Comparative Analysis of Resilience of Islamic and Conventional Banks in Indonesia

MUQTASID Jurnal Ekonomi dan Perbankan Syariah ◽

10.18326/muqtasid.v11i2.88-103 ◽

2020 ◽

Vol 11 (2) ◽

pp. 88-103

Author(s):

Sri Ulina ◽

M. Shabri Abd. Majid

Keyword(s):

Global Financial Crisis ◽

Strong Support ◽

Sampling Technique ◽

Banking Regulation ◽

T Test ◽

Islamic Banking ◽

Islamic Banks ◽

Significant Difference ◽

Conventional Banks ◽

Paired T Test

The presence of the 2008 Global Financial Crisis (GFC) has adversely impacted both conventional and Islamic banking performances. This study aims to empirically compare the ﬁnancial performances between Islamic banks and conventional banks during the pre- and post-2008 GFC periods. It also attempts to compare the ﬁnancial performance of each Islamic and conventional bank between the pre- and post-2008 GFC periods. Three state-owned banks from each conventional and Islamic banking category were selected as the study sample using the purposive sampling technique. Based on the independent sample t-test, the study found a signiﬁcant diﬀerence between the Islamic and conventional banking performances during the pre- and post-2008 GFC periods. Meanwhile, based on the paired t-test, the decline in Islamic banking performance from the pre-2008 GFC to the post-2008 GFC periods was signiﬁcantly smaller than their conventional banking counterparts. These ﬁndings show the Islamic banks' superiority over their conventional banking counterparts due to fair and just practices based on Islamic tenets. Due to theirreliance in facing the episodes of crises, the Islamic banks deserve a strong support by government by enhancing prudent Islamic banking regulation. The Islamic banks should strive to operate fully based on the shari'ah principles and prudent banking management.

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PENGARUH PRODUK BANK SYARIAH TERHADAP MINAT MENABUNG DENGAN PERSEPSI MASYARAKAT SEBAGAI VARIABEL MODERATING DI PATI

Equilibrium Jurnal Ekonomi Syariah ◽

10.21043/equilibrium.v4i1.1837 ◽

2017 ◽

Vol 4 (1) ◽

pp. 43

Author(s):

Hutomo Rusdianto ◽

Chanafi Ibrahim

Keyword(s):

Public Perception ◽

Sampling Technique ◽

Islamic Banking ◽

Islamic Banks ◽

Moderating Variables ◽

The Public ◽

The People ◽

Conventional Banks ◽

Public Banks ◽

Quota Sampling

This study aimed to know the products of Sharia Banks, especially in Kota Pati district toward the interest of saving money by using the public perception as moderating. This research used descriptive quantitative method with populations Islamic Banking (BRI Syariah, BNI Syariah, Mandiri Syariah, Bank Jateng Syariah, Bank Muamalat) in Kota Pati district. The samples were the people who made transactions in Syaria Conventional Banks totaling 100 respondents taken using quota sampling technique. Methods of data analysis used MRA (Moderating Regresion Analysis) test. The results of this study showed that the products of existing Islamic banks in microfinance particularly in Kota Pati distrcit has impacts on people. It proves that the products (savings) of microfinance have benefits for customers. While the public perception can be moderating variables because the public banks can give education to the society that their products are free from usury.

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