scholarly journals PENGUKURAN KUALITAS PERBANKAN SYARIAH SEBAGAI UPAYA DALAM PENINGKATAN KESETIAAN NASABAH

2019 ◽  
Vol 8 (1) ◽  
pp. 75
Author(s):  
Hayu Wikan Kinasih ◽  
Wikan Isthika ◽  
Melati Oktafiyani
Keyword(s):  
Service Quality ◽  
Banking System ◽  
Least Square ◽  
Islamic Banks ◽  
Ordinary Least Square ◽  
Islamic Bank ◽  
Banking Service ◽  
High Satisfaction ◽  
National Economic ◽  
Alternative Choice

The banking industri in Indonesia is growing rapidly nowadays. To support their operating system, the banking industriapplies dual-banking system. It is a system where banking serves two kinds of service to the society, that is conventional and sharia.The dual-banking system aim to give them an alternative choice of banking service so that it will increase the growth of financing in the national economic sector. The more customer of theIslamic bank, the more financing activity can be done. As a new comer in the banking industri, Islamic bank should compete with the incumbent of this industri, that is conventional bank. The important aspect to compete with the competitor is service quality. Furthermore, with the high satisfaction and trust of customers on the service of the Islamic bank, the more they will recommend to the society for having a transaction in Islamic bank so that it will help the growth of Islamic banks. This study learns about the customer’s assessment of the service quality of Islamic banks in Indonesia. Data were obtained randomly using a questionnaire instrument that adopted from the research of Siddiqi and Amin. The result of this research that analyzed using an ordinary least square model (OLS) shows that the variable of service quality and customer satisfaction significantly effect on customer loyalty of Islamic banks.

What Are the Leading Bank-Specific and Macroeconomic Factors Influencing Islamic Bank Performance?

2021 ◽  
pp. 153-171
Author(s):  
Mosharrof Hosen
Keyword(s):  
Positive Impact ◽  
Least Square ◽  
Capital Adequacy ◽  
Islamic Banks ◽  
Cross Sectional ◽  
Macroeconomic Factors ◽  
Mena Countries ◽  
Ordinary Least Square ◽  
Islamic Bank ◽  
Asset Quality

Despite the proven sustainability and growth of Islamic banks during the financial crisis period, many scholars criticise the current performance of Islamic banks. Therefore, policymakers are continuously getting worried due to inconclusive finding of different research related to Islamic bank profitability. To shed the light of raising concern, this study investigates the issue from considering both macroeconomic and bank-specific factors. The annual cross-sectional data has been collected from 46 Islamic banks in 10 selected MENA countries over the period 2015-2019. The standardized pooled ordinary least square (OLS) approach's findings revealed that bank size, capital adequacy, GDP, and inflation have a significant positive impact on Islamic banks' return on asset, but asset quality has no significant effect on ROA. In contrast, most of the variables have an insignificant effect of ROE. Investors, financial analysts, and policymakers will get benefits from this study's results to secure their investment by successfully controlling the above-mentioned leading factors.

Loyalty formation and its impact on financial performance of Islamic banks – evidence from Indonesia

2020 ◽  
Vol ahead-of-print (ahead-of-print) ◽  
Author(s):  
Ayu Fusva ◽  
David Dean ◽  
Dwi Suhartanto ◽  
Moch. Edman Syarief ◽  
Agus Zainul Arifin ◽  
...  
Keyword(s):  
Service Quality ◽  
Financial Performance ◽  
Perceived Value ◽  
Partial Least Square ◽  
Least Square ◽  
Islamic Banks ◽  
Financial Reports ◽  
Content Type ◽  
Islamic Bank ◽  
Business Operations

Purpose This paper aims to examine loyalty formation, including service quality, perceived value, image and satisfaction as determinants, and their effect on the financial performance of Islamic banks. Design/methodology/approach Data were collected from 280 Islamic bank clients in Indonesia and bank financial performance data from bank financial reports. Variance-based partial least square modelling was used to assess the relationships between loyalty, its determinants and their influence on bank financial performance. Findings This study finds that client loyalty towards Islamic banks is most influenced by perceived service quality and perceived value. Further, this study documents the importance of client loyalty in influencing bank financial performance and indirect effect of clients’ satisfaction on financial performance through the strengthening of client loyalty. Practical implications This study offers a path for the managers of Islamic banks to enhance financial performance by enhancing client loyalty. To develop client loyalty, this study suggests that Islamic banks should offer economical and service-derived benefits that are superior to those other banks offer. Further, Islamic banks need to ensure that their business operations are compatible with Islamic values. Originality/value This is an early empirical study attempting to examine the link between customer loyalty and its impact on Islamic bank financial performance.

scholarly journals Apakah Sukuk Ritel Merupakan Ancaman Bagi penghimpunan Dana Pihak Ketiga Pada Bank Syariah?

2020 ◽  
Vol 25 (2) ◽  
pp. 182
Author(s):  
Muhammad Syakur
Keyword(s):  
Linear Regression Analysis ◽  
Secondary Data ◽  
Multiple Linear Regression Analysis ◽  
Least Square ◽  
Islamic Banking ◽  
Islamic Banks ◽  
Ordinary Least Square ◽  
Analysis Techniques ◽  
Independent Variables ◽  
Islamic Bank

This research is a quantitative study that aims to consider the effect of retail sukuk on the collection of third parties funds (TPF) in Indonesian Islamic Banks for 2015 - 2019. The data used are secondary data retrieved from Islamic Banking Statistics Report for shariah commercial and unit shariah bank quarterly. The method is multiple linear regression analysis techniques with Ordinary Least Square (OLS) approach, using TPF as the dependent variable while Retail Sukuk, ROA, Promotion Cost, Inflation and Bi rate as the independent variables. The results shows Retail Sukuk has a negative and significant impact on the collection of TPF which is intended that retail sukuk is causing the decrease of TPF amount in Indonesian Islamic bank. Therefore the Indonesian government needs to review the policies related to retail sukuk issuance in order to synergize with the development of Islamic Banks. Other results indicate that ROA and promotion costs have positive and significant influance for TPF collection in Indonesian Islamic bank while BI rate is the opposite.

scholarly journals BANK LENDING BEHAVIOR: EVIDENCE FROM MALAYSIAN DUAL BANKING SYSTEM

2021 ◽  
Vol 3 (8) ◽  
pp. 65-75
Author(s):  
Salwani Affandi ◽  
Anis Izzati Ja’afar ◽  
Fathiyah Ismail ◽  
Nabilah Abdul Shukur
Keyword(s):  
Banking System ◽  
Bank Lending ◽  
External Factors ◽  
Least Square ◽  
Islamic Banks ◽  
Substantial Impact ◽  
Ordinary Least Square ◽  
Strongly Connected ◽  
Internal And External Factors ◽  
Lending Behavior

This study investigates the internal and external factors that influence bank lending behaviors in Malaysian’s dual banking system. The final regression of 24 commercial and 15 Islamic banks using the pooled ordinary least square (POLS) method revealed that the size of the bank proxies by the logarithm of total assets as the most significant factor influencing bank lending behavior in Malaysia from 2010 to 2018. This suggests that larger banks are more diversified and have a larger pool of funds to be loaned out. Because banks rely on deposits to issue loans, the deposits received by the bank have a substantial impact on bank lending. The greater the number of deposits obtained; the more bank lending activities will occur. The data also demonstrated that commercial and Islamic bank lending behavior in Malaysia is strongly connected with deposit volume (DEPO), GDP, and bank size (SIZE).

scholarly journals PENGARUH KUALITAS PELAYANAN PRIMA (SERVICE EXCELLENCE), PORSI BAGI HASIL DAN TINGKAT PENDAPATAN NASABAH TERHADAP TABUNGAN FIRDAUS PADA PT. BANK ACEH SYARIAH LANGSA

2018 ◽  
Vol 10 (1) ◽  
pp. 34-61
Author(s):  
Muhammad Safri Antoni
Keyword(s):  
Service Quality ◽  
Research Result ◽  
Income Level ◽  
Profit Sharing ◽  
Least Square ◽  
Islamic Banks ◽  
Ordinary Least Square ◽  
Independent Variables ◽  
A Value ◽  
Excellent Service

This study aimed to test the Influence of Excellent Service Quality, Portion of Profit Sharing and Savings Income Level of Customers of Firdaus Savings at PT. Bank Aceh Syariah Langsa empirically. The method used for data analysis was OLS (Ordinary Least Square) with double linear regression estimation model based on the results of data processing by using Eviews software program. From the research result, R2 value of 0.851 was obtained. This means that approximately 85.1 percent of the proportion of independent variables used could explain the dependent variable variation in that model. Whereas the remaining of 14.9 percent was explained by other variables that were not used in this study. While the estimation results showed that the F-count was greater than the F-table (F-calculated = 22.71 > F-table = 2.67) for the function of the amount of the savings equation. It means that all independent variables used in the estimation of this analysis model namely service, profit sharing, and income jointly gave significant effect on the amount of Firdaus Savings at PT. Bank Aceh Syariah Langsa. Thus the Coefficient of service showed a value of 1.028 which means that the higher the level of service which was equal to 1.028 percent, the savings would increase the amount of Firdaus Savings at PT. Bank Aceh Syariah Langsa for about 1.028 percent and was elastic, the Coefficient of profit sharing showed a value of 1.425 which means that any increase of profit sharing in the yield of 1.425 percent, the savings would increase the amount of Firdaus Savings at PT. Bank Aceh Syariah Langsa for about 1.425 percent and was elastic. The Coefficient of income showed a value of 0.737 which means that any increase in revenues of 0.737 percent, the savings would increase the amount of Firdaus Savings at PT. Bank Aceh Syariah Langsa for about 0.737 percent and was inelastic. Service is one of the dominant factors that affect the amount of savings in Islamic banks, then it must be put into consideration by any Islamic banks to keep improving their services. Keyword: Excellent Service Quality, Portion of Profit Sharing, Savings Income Level of Customers, Firdaus Savings at PT. Bank Aceh Syariah Langsa Abstrak: Penelitian ini bertujuan untuk menguji Pengaruh Kualitas Layanan  Prima, Porsi Bagi Hasil dan Tingkat Pendapatan nasabah terhadap tabungan firdaus di PT. Bank Aceh Syariah Langsa secara empiris. Metode yang digunakan untuk analisis data adalah OLS (Ordinary Least Square) dengan model estimasi regresi linier ganda berdasarkan hasil pengolahan data dengan menggunakan program perangkat lunak Eviews. Dari hasil penelitian, diperoleh nilai R2 0,851. Ini berarti bahwa sekitar 85,1 persen dari proporsi variabel independen yang digunakan dapat menjelaskan variasi variabel dependen dalam model itu. Sedangkan sisanya 14,9 persen dijelaskan oleh variabel lain yang tidak digunakan dalam penelitian ini. Sedangkan hasil estimasi menunjukkan bahwa F-hitung lebih besar dari F-tabel (F-hitung = 22,71> F-tabel = 2,67) untuk fungsi jumlah persamaan tabungan. Ini berarti bahwa semua variabel independen yang digunakan dalam estimasi model analisis ini yaitu layanan, bagi hasil, dan pendapatan secara bersama-sama memberikan pengaruh yang signifikan terhadap jumlah Tabungan Firdaus di PT. Bank Aceh Syariah Langsa. Dengan demikian Koefisien layanan menunjukkan nilai 1,028 yang berarti bahwa semakin tinggi tingkat layanan yang sama dengan 1,028 persen, akan meningkatkan jumlah Tabungan Firdaus di PT. Bank Aceh Syariah Langsa sekitar 1,028 persen dan elastis, Koefisien pembagian keuntungan menunjukkan nilai 1,425 yang berarti bahwa setiap peningkatan pembagian keuntungan dalam hasil 1,425 persen, akan meningkatkan jumlah Tabungan Firdaus di PT. Bank Aceh Syariah Langsa sekitar 1,425 persen dan elastis. Koefisien pendapatan menunjukkan nilai 0,737 yang berarti bahwa setiap peningkatan pendapatan sebesar 0,737 persen, akan meningkatkan jumlah Tabungan Firdaus di PT. Bank Aceh Syariah Langsa sekitar 0,737 persen dan tidak elastis. Layanan adalah salah satu faktor dominan yang mempengaruhi jumlah tabungan di bank syariah, maka harus dipertimbangkan oleh bank syariah mana pun untuk terus meningkatkan layanan mereka. Kata kunci: Kualitas Layanan Sangat Baik, Porsi Bagi Hasil, Tingkat Pendapatan Tabungan Pelanggan, Tabungan Firdaus di PT. Bank Aceh Syariah Langsa

Loyalty towards Islamic banking: service quality, emotional or religious driven?

2019 ◽  
Vol 11 (1) ◽  
pp. 66-80 ◽  
Author(s):  
Dwi Suhartanto ◽  
Christopher Gan ◽  
Ira Siti Sarah ◽  
Setiawan Setiawan
Keyword(s):  
Service Quality ◽  
Customer Loyalty ◽  
Structural Equation ◽  
Islamic Banking ◽  
Emotional Attachment ◽  
Islamic Banks ◽  
Content Type ◽  
Perceived Service Quality ◽  
Islamic Bank ◽  
Bank Managers

Purpose This paper aims to integrate and examine three loyalty routes (i.e. service quality, emotional attachment and religiosity) in developing customer loyalty towards Islamic banking. Design/methodology/approach Data were collected from 412 Islamic bank customers from Indonesia. Variance-based structural equation modelling was applied to evaluate the association between service quality, emotional attachment, religiosity and customer loyalty. Findings This study reveals that customer loyalty is more driven by emotional attachment and religiosity rather than by perceived service quality. Although not directly affecting customer loyalty, service quality strengthens customer satisfaction towards Islamic banks. Practical implications This study provides an opportunity for Islamic bank managers to increase their customer loyalty through the development of emotional attachment and religiosity. To improve customer loyalty, this study suggests that Islamic banks have to provide prompt, accurate and non-personal service. It is also important for Islamic bank managers to keep the bank operation compliant with the Sharia law. Originality/value This study is the first attempt to assess the three loyalty routes simultaneously in influencing customer loyalty.

Identifying the gaps between customer expectations and perceptions on service quality dimensions of Islamic banks in Malaysia

2015 ◽  
Vol 7 (4) ◽  
pp. 424-441 ◽  
Author(s):  
Rafikul Islam ◽  
Selim Ahmed ◽  
Dzuljastri Abdul Razak
Keyword(s):  
Service Quality ◽  
Age Groups ◽  
Educational Background ◽  
Islamic Banking ◽  
Islamic Banks ◽  
Content Type ◽  
Customer Expectations ◽  
Banking Service ◽  
Significant Difference

Purpose – This paper aims to identify the gaps and differences between customer expectations and perceptions on service quality of Islamic banks in Malaysia based on six dimensions of service quality, namely, reliability, responsiveness, assurance, empathy, tangibles and Islamic Shari’ah compliance. Design/methodology/approach – This study surveyed 179 customers who have first-hand experience with Islamic banking services in Malaysia. The research data were analysed using reliability analysis, independent samples t-test and one-way analysis of variance. Findings – The results indicated that customers’ perceptions failed to meet their expectations on the service quality of Islamic banks in Malaysia. The results also indicated that those customers (respondents) aged below 30 years have higher expectations on empathy from the Islamic banking service compared to other age groups. However, there is no significant difference between customer expectations and perceptions of Islamic banking service quality based on educational background and occupation. Research limitations/implications – This research focused solely on Islamic banks in Malaysia and thus the results might not be applicable for other conventional banks. Originality/value – The findings are expected to provide guidelines for enhancing the satisfaction level of clients of the Islamic banking system in Malaysia and other countries.

scholarly journals Service quality, religiosity, customer satisfaction, customer engagement and Islamic bank’s customer loyalty

2019 ◽  
Vol 11 (6) ◽  
pp. 1691-1705 ◽  
Author(s):  
Abror Abror ◽  
Dina Patrisia ◽  
Yunita Engriani ◽  
Susi Evanita ◽  
Yasri Yasri ◽  
...  
Keyword(s):  
Customer Satisfaction ◽  
Service Quality ◽  
Customer Loyalty ◽  
Customer Engagement ◽  
Equation Modeling ◽  
Islamic Banks ◽  
Content Type ◽  
Islamic Bank ◽  
Moderating Role

Purpose The purpose of this study is to investigate the influential factors of customer loyalty to Islamic banks, namely, service quality, customer satisfaction, customer engagement and religiosity. Design/methodology/approach This study is a survey of 335 Islamic bank customers in West Sumatra, Indonesia. This research deployed purposive sampling and analyzed the data by using covariance-based structural equation modeling. Findings Service quality has a positive and significant impact on customer satisfaction. Religiosity has a significant and negative moderating impact on the service quality–customer satisfaction relationship. Service quality has no significant influence on customer loyalty. Customer satisfaction is a significant antecedent of customer engagement and loyalty. Finally, customer engagement has a significant and positive effect on customer loyalty. Research limitations/implications This study is a combination of cross-sectional and a single-country case. Accordingly, the results may not be representative of other countries. Similar studies in longitudinal data collection are conducted in other countries (e.g. ASEAN countries), which would therefore be worthwhile. Some antecedents of customer loyalty have been neglected in this study (e.g. customer value co-creation and customer commitment); hence, the future study may investigate those factors. Practical implications By considering these Islamic banks’ antecedents, the Islamic banks might enhance their customer loyalty. Also, this study has revealed the moderating role of religiosity in a loyalty relationship. Therefore, it will give insights for the Islamic bank managers in decision-making. Originality/value This study has revealed the moderating role of religiosity on the link between service quality and customer satisfaction in Islamic banks, which is, to the authors’ knowledge, neglected in the previous studies. The customers with high religiosity will have a higher standard of satisfaction and demand a better service quality than the customers with low religiosity. This study has also examined the relationships between service quality, religiosity, customer satisfaction, customer engagement and loyalty as a whole, which have been limited previously.

scholarly journals Treasury Single Account and the Performance of Banking Sector: A Study of Selected Deposit Money Banks in Oyo State, Nigeria

2019 ◽  
pp. 1-8
Author(s):  
Oyedele, Oloruntoba ◽  
Oyewole, Olabode Michael ◽  
G. T. Ayo-Oyebiyi
Keyword(s):  
Economic Activity ◽  
Banking Sector ◽  
Banking System ◽  
Sampling Technique ◽  
Least Square Method ◽  
Study Data ◽  
Least Square ◽  
Ordinary Least Square ◽  
Data Collection Instrument ◽  
Structured Questionnaire

The banking sector in any country plays a fundamental role in increasing the level of economic activity. However, the implementation of treasury single account has been devilled its performance. This study therefore investigates the implication of treasury single account on the performance of Nigerian Deposit Money Banks. Quantitative analysis was used in this research, with data collected by the researchers. Five banks (Zenith Bank, First Bank Plc, UBA, Access Bank and Guaranty Trust Bank) were selected through purposive method. Judgmental sampling technique was also used to select Head of Operation, Accountant and Branch Manager from 10 branches each of the selected bank in Oyo State, Nigeria, totaling 150 respondents as a sample size for the study. Data collection instrument used was a structured questionnaire and data analysis was performed with the aid of Ordinary Least Square method of estimation. Result shows that implementation of Treasury Single Account has significant relationship with closure of branches, withdrawal syndrome from the banking system, liquidity crisis and unemployment crisis in Deposit Money Banks. Subsequently, the study recommends that banks should focus on their core banking operations rather than feeding on government idle funds kept into various accounts by Government Ministries, Departments and Agencies (MDAs). Also, banks should sensitize people on the importance of baking culture instead of them keeping their money under their pillow, inside their farms and underground.

scholarly journals Deposit Money Banks and Economic Growth in Nigeria

2014 ◽  
Vol 5 (1) ◽  
pp. 41-50 ◽  
Author(s):  
Samson Ogege ◽  
Tarila Boloupremo
Keyword(s):  
Economic Growth ◽  
Time Series Data ◽  
Banking System ◽  
Least Square ◽  
Series Data ◽  
Credit Allocation ◽  
Least Square Estimator ◽  
Ordinary Least Square ◽  
Residual Series

This paper examines the effect of deposit money banks intermediation role on economic growth and development in Nigeria. The main objective of the research was to ascertain the extent to which sectorial credit allocation by deposit money banks have influenced growth in the economy. Time series data covering the period 1973-2011 for deposits money banks credits in Nigeria and per capita gross domestic product were analyzed within the framework of Engle-Granger Representation Theorem; the approach estimated a co-integrating regression using the ordinary least square estimator, and then investigated the presence of a co-integration relation by examining the stationarity of the estimated residual series. The findings indicate that credit allocation to the production sector is significantly promoting economic activity. The implication that can be drawn from this study is that to ensure that the banking system performs its role of credit allocation effectively it must channel funds into productive investment and more productive uses; deposit money banks should act as efficient financial intermediaries devoted to allocating resources to the most productive uses.

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