Increasing Customer's Saving Interest through Religiusity, Product Perception and Knowledge

The number of Islamic banks is not significant with the Muslim population in this country. The efforts to increase the number of customers and use of Islamic/ sharia products need to be increased. The aim of this study is to analyze the effect of religiosity, product perception and knowledge on people’s saving interest in Islamic banking products. The target population and sample in this study are 135 Moslems by using purposive random sampling technique. Data collection using a questionnaire. The results showed that all independent variables of religiosity, product perception and knowledge have a positive and significant effect on saving interest in Islamic banking products. The most dominant variable in influencing consumers' interest in saving is product perception.

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Pengaruh Islamic Social Reporting terhadap Profitabilitas (Return on Asset dan Return on Equity) Pada Bank Umum Syariah di Indonesia

FALAH Jurnal Ekonomi Syariah ◽

10.22219/jes.v4i2.10084 ◽

2019 ◽

Vol 4 (2) ◽

pp. 119

Author(s):

Ana Santika

Keyword(s):

Corporate Governance ◽

Data Collection ◽

Commercial Banks ◽

Sampling Technique ◽

Social Reporting ◽

Annual Reports ◽

Islamic Banking ◽

Islamic Banks ◽

Return On Equity ◽

Social Environmental

The act of accuracy and prudence is very important in the company because is the factor that determines the sustainability of companies such as banking. This study aims to analyze the effect of Shariah Complaints towards the profitability of Islamic Banks in Indonesia. This research is quantitative using documentation method and library study in data collection. The sampling technique uses purposive sampling with the criteria of Islamic commercial banks that publish annual-reports from 2013 to 2017 from 13 Islamic commercial banks (BUS) in Indonesia. The results of this study show that the Funding and Investment, Products and Services, Employees, Community or Social, Environmental, Corporate Governance simultaneously does not have influence significantly the ROE variable, but it does significantly influence ROA. This means that the wider the Islamic social reporting of Islamic banking, the greater the profitability of Islamic banking. In addition, high profitability will encourage managers to provide more detailed information, because they want to convince investors of company profits and its compensation for management.

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Analisis Pengaruh Pengetahuan, Kepribadian, dan Reputasi Terhadap Keputusan Masyarakat Memilih Bank Syariah di Banda Aceh

Jurnal EMT KITA ◽

10.35870/emt.v5i1.324 ◽

2021 ◽

Vol 5 (1) ◽

pp. 19

Author(s):

Akmal Riza ◽

Lukman Hakim ◽

Eliana Eliana

Keyword(s):

Sampling Technique ◽

Islamic Banking ◽

Islamic Banks ◽

Research Subjects ◽

Banking Services ◽

Independent Variables ◽

Analysis Technique ◽

The City ◽

Cluster Random Sampling ◽

Banda Aceh

The study was conducted to determine the effect of knowledge, personality and reputation on people's decisions to choose Islamic banks. The research subjects were all people of Banda Aceh city in early 2020 as many as 270.321 people using the Slovin formula with cluster random sampling technique representing 9 sub districts total 100 respondents using Islamic banking services. The data analysis technique uses linear regression to answer the proposed hypothesis. The results show that all independent variables of knowledge, personality and reputation influence the variables related to the customers decision to choose Islamic bank in the city of Banda Aceh.

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PENGARUH SISTEM PELAYANAN PAJAK DAN KEPATUHAN WAJIB PAJAK ORANG PRIBADI TERHADAP PENERAPAN SELF ASSESSMENT SYSTEM DI KANTOR PELAYANAN PAJAK PRATAMA BANTUL

Jurnal Akuntansi ◽

10.24964/ja.v2i1.22 ◽

2016 ◽

Vol 2 (1) ◽

Author(s):

Uum Helmina Chaeurnisak ◽

Suyanto Suyanto

Keyword(s):

Data Collection ◽

Random Sampling ◽

Tax Compliance ◽

Predictive Ability ◽

Sampling Technique ◽

Assessment System ◽

Self Assessment ◽

Tax System ◽

Independent Variables ◽

System Variables

This study was conducted to examine the effect of the tax system variables and individual tax compliance on the implementation of self assessment system in KPP Pratama Bantul. This study uses the dependent variable is self assessment system and the indepen dent variable is the tax system , an individual taxpayer compliance are listed in the KPP Pratama Bantul. The sampling technique used is random sampling of individual taxpayers in the region of Bantul and individuals who have a NPWP. Data collection procedures using a questionnaire which was distributed to be filled by an individual taxpayer. The analysis technique used is multiple regression with SPSS 16.0 tools. Based on the results of the analysis indicate that the variable tax system and compliance services an individual taxpayer simul tan proved significant effect on the implementation of self assessment system . Predictive ability of the three variables on self assessment system shows the independent variables can explain the variation in the dependent variable of 34.8 % and the rest is explained by other variables. Keywords: system of service tax, individual tax compliance, and self assessment system .

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Motives Behind the Transfer of a Bank From Conventional Banking to Islamic Banking in Pakistan

Journal of Business & Tourism ◽

10.34260/jbt.v3i2.82 ◽

2021 ◽

Vol 3 (2) ◽

pp. 193-202

Author(s):

MUHAMMAD ASIF ◽

UMAIR AHMED ◽

MUHAMMAD ZAHID ◽

AMIR KHAN

Keyword(s):

Data Collection ◽

Islamic Banking ◽

Islamic Banks ◽

Risk And Return ◽

Independent Variables ◽

Banking And Finance ◽

World Economic ◽

And Performance ◽

Shari’A Compliance ◽

Customer Need

The increasing awareness on Islamic banking and finance has created a huge demand for Shari’a based or Shari’a compliant products. Banks, especially are trying to capture this huge market by either converting themselves into a full fledge Islamic banks or opening a window for the Islamic based transactions. This study highlights the reasons why traditional banks turned towards Islamic model. The phenomenon of traditional banks turning into Islamic form was reinforced by the success of these banks averting the recent world economic crises. For data collection 80 respondents were selected, a proxy of five variables were undertaken as measurement. Variables of the study were:Transfer to Islamic Banking(TIB) was taken as dependent variable whileShari’a compliance(SC), Risk and Return(RR), Customer need(CN) and Performance of Islamic banks(PI) were taken as independent variables for which adopted questionnairewas used for data collection. The result of this research is that the banks are transferring from conventional banking to Islamic banking is just because of Shari’a Compliance, performance of Islamic banks and customer need for Islamic product.

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Why Non-Muslims Become Customers of Islamic Banking?

Studies of Applied Economics ◽

10.25115/eea.v39i12.6336 ◽

2021 ◽

Vol 39 (12) ◽

Author(s):

Laily Nurhayati ◽

Silvya L. Mandey ◽

Rita N. Taroreh ◽

Irvan Trang ◽

Radjab Djamali

Keyword(s):

Data Collection ◽

Banking Industry ◽

Islamic Banking ◽

Islamic Banks ◽

Muslim Population ◽

Data Collection Methods ◽

Islamic Bank ◽

North Sulawesi ◽

Analysis Technique ◽

Collection Methods

The growth of Islamic bank assets in North Sulawesi in December 2020 reached 23.44%, even though the non-Muslim population reached 61.53%. One Islamic Bank, Manado branch, has more non-Muslim customers than Muslim customers, so it is interesting to research. This research aims to reveal the factors that influence their decision to become customers of Islamic banks. The data collection methods used in this study were observation, interviews, and documentation to fourteen people consisting of non-Muslim customers of Bank Muamalat Indonesia and Bank Syariah Indonesia Manado Branch. The analysis technique is through reduction and presentation of data to determine conclusions. The results of the study found. They become customers of Islamic banks because of the service, price/cost, product, facilities, references, and benefits. This research can be used as evaluation material and input for the Islamic banking industry.

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PENGARUH E - SERVICE QUALITY TERHADAP KEPUASAN PELANGGAN PENGGUNA APLIKASI EMOS (ENSEVAL MOBILE ORDER SYSTEM) PADA PT. ENSEVAL PUTERA MEGATRADING, TBK CABANG SAMARINDA

Research Journal of Accounting and Business Management ◽

10.31293/rjabm.v3i2.4430 ◽

2019 ◽

Vol 3 (2) ◽

pp. 283

Author(s):

Titik Yuliana ◽

Eddy Soegiarto ◽

Adisty Shabrina Nurqamarani

Keyword(s):

Data Collection ◽

Customer Satisfaction ◽

Service Quality ◽

Random Sampling ◽

Sampling Technique ◽

Simple Random Sampling ◽

Analytical Tool ◽

Order System ◽

Independent Variables ◽

Mobile Order

This study aims to determine the effect of E-Service Quality which includes Efficiency, Reliability, Fullfilment, Privacy, Responsiveness and Contact on Customer Satisfaction on users of the EMOS Application (Enseval Mobile Order System). The basic theory used in this research is Marketing Management, E-Service Quality and Customer Satisfaction. The population in this study was 266 pharmacies and samples taken were 73 pharmacies with simple random sampling technique. Data collection was done by distributing online questionnaires using a Likert scale to measure each indicator of the independent and dependent variable. The analytical tool used is multiple linear regression.The results of the research on the f test show that the E-Service Quality variables which include Efficiency, Reliability, Fullfilment, Privacy, Responsiveness and Contact have a significant effect simultaneously (simultaneously) on Customer Satisfaction. The t test shows that the independent variables; reliability and contact affect customer satisfaction while the variables Efficiency, Fullfilment, Privacy and Responsiveness do not affect the customer satisfaction of users of the EMOS application (Enseval Mobile Order System).

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PENGARUH MOTIVASI DAN PROFESIONALISME ASN TERHADAP EFEKTIVITAS KERJA DI LINGKUNGAN KANTOR KEMENTERIAN AGAMA KOTA PADANG

Jurnal Good Governance ◽

10.32834/jgg.v14i1.10 ◽

2018 ◽

Vol 14 (1) ◽

Author(s):

Eldison Eldison

Keyword(s):

Data Collection ◽

Random Sampling ◽

Sampling Technique ◽

Survey Method ◽

Office Environment ◽

Independent Variables ◽

Work Effectiveness ◽

Data Collection Technique ◽

The City ◽

Two Independent Variables

This study aims to know the implication of the existence of a positive or significant influence between motivation and ASN Professionalism. The method used is survey method by applying Grounded Research. The population in this study is all ASN in the office environment of the Ministry of Religious Affairs of Padang City with the number of 322 ASNs consisting of ASN in the offices of the Ministry of Religious Affairs of Padang City, Madarasah Aliyah as the city of Padang, Madrasah Tsanawiyah and the Office of Religious Affairs of Padang City. Sample in this research is counted 60 people with random sampling technique. Data Collection Technique uses questionnaire. The variables measured are independent variables, namely: Motivation (X1) and Professionalism (X2), while the dependent variable is Work Effectiveness (Y). Analysis of the influence of variables of Motivation and Professionalism of Apparatus, either jointly or independently to the Effectiveness of Ministry of Religious Affairs Office of Padang City showed significant results. This shows that the two independent variables, namely Motivation and Professionalism Apparatus either together or individually can improve the Effectiveness of ASN Work at the Office of the Ministry of Religious Affairs of Padang City. Thus the influence of these two independent variables on increasing Effectiveness of ASN Work at the Office of the Ministry of Religious Affairs of Padangisverymeaningful.Keywords: Motivation, ASN Professional, Work Effectiveness.

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Factors Affecting Trust in E-Government

Journal of Government and Civil Society ◽

10.31000/jgcs.v5i2.4848 ◽

2021 ◽

Vol 5 (2) ◽

pp. 263

Author(s):

Ulung Pribadi ◽

Muhammad Iqbal ◽

Fittia Restiane

Keyword(s):

Data Collection ◽

Random Sampling ◽

Information Quality ◽

Sampling Technique ◽

Perceived Usefulness ◽

Privacy And Security ◽

Collection Method ◽

P Values ◽

Factors Affecting ◽

Independent Variables

This study examined perceived usefulness, information quality, and privacy and security to predict trust in e-government. This study used a survey data collection method and a random sampling technique with 100 residents who visit the local government's public services website as respondents. A Likert scale was used to create the questionnaires. SEM-PLS looked at the data to see if it was valid and reliable, as well as test hypothesis and regression. This study found that perceived usefulness, information quality, and privacy and security had a positive and significant effect on trust in e-government with p-values of 0.000, 0.001 and 0.000, respectively. The influence of the three independent variables towards the dependent variable was moderate (R-square = 0.494). Finally, the limitations and implications of these findings are examined. Studi ini menguji manfaat yang dirasakan, kualitas informasi, dan privasi dan keamanan untuk memprediksi kepercayaan pada e-government. Penelitian ini menggunakan metode pengumpulan data survei dan teknik random sampling dengan 100 orang warga yang mengunjungi website layanan publik pemerintah daerah sebagai responden. Sebuah skala Likert digunakan untuk membuat kuesioner. SEM-PLS melihat data untuk melihat apakah itu valid dan reliabel, serta menguji hipotesis dan regresi. Studi ini menemukan bahwa persepsi manfaat, kualitas informasi, dan privasi dan keamanan memiliki pengaruh positif dan signifikan terhadap kepercayaan pada e-government dengan nilai p masing-masing 0,000, 0,001 dan 0,000. Pengaruh ketiga variabel bebas terhadap variabel terikat adalah sedang (R-square = 0,494). Akhirnya, keterbatasan dan implikasi dari temuan ini diperiksa..

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Awareness, Understanding, and Usage of Islamic Banking Products and Services: A Case of Customers' Satisfaction Towards Islamic Banking in Pakistan

Islamic Banking and Finance Review ◽

10.32350/ibfr/2020/0700/757 ◽

2020 ◽

Vol 7 ◽

pp. 1-1

Author(s):

Rab Nawaz Lodhi

Keyword(s):

Banking System ◽

Sampling Technique ◽

Target Population ◽

Positive Influence ◽

Future Research ◽

Islamic Banking ◽

Satisfaction Level ◽

Islamic Banks ◽

Innovative Strategies ◽

Conventional Banks

The Islamic banking sectors in Pakistan are experiencing a challenging phase of progress due to intense competition with conventional banks. The primary purpose of this study is to articulate the literature of Islamic banking in Pakistan by investigating the influence of the level of awareness, understanding and usage of Islamic banking products and services on the satisfaction level of its account holders. For achieving this objective, a sample of 400 respondents is chosen through purposive sampling technique from the target population from Islamic banks in Pakistan. The calculated results of PLS-SEM Bootstrapping and SPSS revealed a significant and positive influence of the awareness and understanding level of account holders of Islamic banks on their satisfaction levels. However, the Islamic bank usage by account holders has no impact on their satisfaction level due to the provision of less innovative products and services as compared to conventional banks. This study thus enhances the literature regarding the aforementioned aspects of customer satisfaction. It simultaneously draws an attention to the area that is suitable for the prosperity and progress of the Islamic banking system of Pakistan. The results of this study also give valuable information and helpful guidelines for Islamic banks to formulate innovative strategies of products and promotional policies to retain and attract potential customers. Though this study is broadening the scope of Islamic banking literature, it is not considering the scenario of conventional banks. Islamic banks can manage and enjoy the competitive edge if similar information about conventional banking is available for comparison purposes, which provides the scope of study in future research.

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Islamic Corporate Governance and Islamic Banking Financial Performance

Journal of Finance and Islamic Banking ◽

10.22515/jfib.v1i2.1493 ◽

2019 ◽

Vol 1 (2) ◽

pp. 164

Author(s):

Melia Kusuma ◽

Samsul Rosadi

Keyword(s):

Corporate Governance ◽

Financial Performance ◽

Audit Committee ◽

Supervisory Board ◽

Sampling Technique ◽

Islamic Banking ◽

Islamic Banks ◽

Entire Sample ◽

Independent Variables ◽

Testing Techniques

This study aims to examine the effect of Islamic Corporate Governance on the financial performance of Islamic banks in 2012-2016. The Islamic Corporate Governance area is proxied by the board of commissioners size, Audit Committee Size, Sharia Supervisory Board Size, and frequency of Sharia Supervisory Board meetings. The object of research is Islamic banks in 2012-2016. Sampling technique is judgment sampling, members of the population that meet the criteria are used as samples. The entire sample was taken from 10 Islamic banks. Hypothesis testing techniques use multiple regression analysis. The results of the F test show that all independent variables simultaneously influence financial performance. Based on the results of the t test it can be concluded that the frequency of sharia supervisory board meetings and the size of the audit committee positively influences the financial performance of Islamic banks. While the size of the area and the age of the area does not affect the Financial Performance.

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