Islamic Banking, Economic and Financial Journal

PENGARUH SELF ESTEEM, SELF EFFICACY DAN LOCUS OF CONTROL TERHADAP KINERJA KARYAWAN MELALUI KEPUASAN KERJA SEBAGAI VARIABEL INTERVENING PADA BANK BTN KANTOR CABANG SYARIAH MAKASSAR

2025-02-06T22:35:51+00:00

Penelitian ini bertujuan untuk mengetahui pengaruh self esteem, self efficacy dan locus of control terhadap kinerja karyawan melalui kepuasan kerja sebagai variabel intervening pada Bank BTN Kantor Cabang Syariah Makassar. Teknik pengambilan sampel menggunakan metode sampling jenuh. Populasi dalam penelitian ini adalah karyawan yang bekerja di Bank BTN Kantor Cabang Syariah Makassar yang berjumlah 25 karyawan. Penelitian ini merupakan jenis penelitian kuantitatif dengan menggunakan Uji validitas dan Reliabilitas, Uji Asumsi Klasik, Koefisien determinasi, Uji t, Uji F dan Analisis Jalur (Path Analysis). Data yang digunakan dalam penelitian ini adalah data primer dan data sekunder. Hasil penelitian menyatakan bahwa self esteem, self efficacy, dan locus of control berpengaruh positif dan signifikan terhadap kepuasan kerja. Self efficacy dan locus of control berpengaruh positif dan signifikan terhadap kinerja karyawan. Self esteem berpengaruh positif dan tidak signifikan terhadap kinerja karyawan. Kepuasan kerja berpengaruh positif dan tidak signifikan terhadap kinerja karyawan. self efficacy dan locus of control berpengaruh positif dan signifikan terhadap kinerja karyawan melalui kepuasan kerja sedangkan self esteem berpengaruh positif dan tidak signifikan terhadap kinerja karyawan melalui kepuasan kerja.

THE EFFECT OF DIGITAL BANKING ON SHARIA BANK CUSTOMER SATISFACTION: "STUDY ON STUDENTS USING MOBILE BANKING SERVICES"

2025-02-06T22:47:51+00:00

Digital banking has become a major innovation in the modern banking industry. With advances in technology, Islamic banks have also begun to introduce digital services to increase efficiency and comfort for their customers. Mobile banking, a type of digital banking, allows customers to carry out various banking transactions via their mobile devices. Quantitative research uses empirical, objective and heuristic methods. The aim of this type of research is to find out how mobile banking services affect customer satisfaction. In this research, the population sample was taken using a questionnaire as the main data collection tool, with a total of 50 respondents who were processed with SPSS 30. This research uses several linear regression analysis techniques to analyze the independent variables e-banking (X1), service quality ( X2), and trust and security (X3) as well as the dependent variable customer satisfaction (Y) using Sharia Banking services. It is hoped that the results of this research will be useful for Islamic banks in formulating strategies to increase customer satisfaction.

Pengaruh Relationsip Quality dan Self Service Technology Terhadap Customer Loyalty Melalui Customer Satisfaction Pada Bank Muamalat KCU Makassar

2025-02-06T22:56:37+00:00

This study aims to examine the effect of Relationship Quality and Self Service Technology on Customer Loyalty through Customer Satisfaction at Bank Muamalat Kcu Makassar. The population used in this study is all customers of Bank Muamalat KCU Makassar, totaling 28,790 customers. And obtained a sample of 100 people using the slovin formula. The data analysis technique used in this study is Path Analysis.

The results of this study indicate that Relationship Quality has no significant effect on Customer Loyalty, Relationship Quality has no significant effect on Customer Satisfaction, Self Service Technology has a significant effect on Customer Loyalty, Self Service Technology has a significant effect on Customer Satisfaction, Customer Satisfaction has a significant effect on Customer Loyalty , Relationship Quality has no significant effect on Customer Loyalty with Customer Satisfaction when using intervening variables and Self Service Technology has a significant effect on Customer Loyalty with Customer Satisfaction when using intervening variables.

Keywords: Relationship Quality, Self Service Technology, Customer Loyalty, Customer Satisfaction, Bank Muamalat.

PENGARUH MANAJEMEN ASET DAN LIABILITAS TERHADAP KINERJA PERUSAHAAN BANK MUAMALAT PERIODE 2014-2022

2025-02-06T23:05:06+00:00

Penelitian ini bertujuan untuk mengetahui pengaruh langsung Manajemen Aset dan Manajemen Liabilitas antara rasio kesehatan bank dan kinerja perusahaan pada Bank Muamalat di Indonesia yang terdaftar pada otoritas jasa keuangan. Penelitian ini adalah penelitian kuantitatif dengan menggunakan data sekunder. Penelitian ini menggunakan metode pengumpulan data. Data yang diambil dalam laporan keuangan (annual report) Bank Muamalat website resminya. Teknik analisis data yang digunakan dalam penelitian ini adalah Path Analysis. Pada hasil uji T menunjukkan bahwa manajemen asset berpengaruh terhadap ROA, adapun manajemen liabilitas tidak berpengaruh terhadap ROA, dan secara bersama-sama berpengaruh manajemen asset dan liabilitas terhadap ROA.

FACTORS AFFECTING CUSTOMER INTEREST IN INSTALLMENT INVESTMENTS IN PRECIOUS METAL GOLD IN BANK SYARIAH INDONESIA KCP MAKASSAR UNISMUH

2025-02-09T23:38:47+00:00

The background of this research is the author's interest in the precious metal gold installment products of Bank Syariah Indonesia, especially in the Makassar area where there has been no previous related research. The purpose of this study was to find out what factors influence customer interest in investing in precious metal gold installment products at Bank Syariah Indonesia KCP Makassar Unismuh. There are several factors, namely psychological factors, situational factors, and social factors, as well as knowing which factors most influence customers in investing in gold installment products for precious metal Bank Syariah Indonesia KCP Makassar Unismuh. This research is a quantitative research using primary and secondary data. The independent variables in this study are psychological factors, situational factors, and social factors while the dependent variable in this study is investment interest. The results of this study indicate that Psychological Factors have a positive and significant effect on Investment Interest, Situational Factors have a positive and significant effect on Investment Interest, Social Factors have no positive and significant effect on Investment Interest, and Situational Factors (X2) are the most influential factors on investment interest. investment in customer gold installments.

Implementation of Mudharabah Contracts for Shallot Farmers in Telle Village, Ajangale District, Bone Regency

2025-02-10T00:19:41+00:00

The purpose of this study is to determine the concept of cooperation with shallot farmers in Telle Village, Ajangale District, Bone Regency and to determine the application of mudharabah contracts to shallot farmers in Telle Village, Ajangale District, Bone Regency, in accordance with the fatwa of the Indonesian MUI National Sharia Council No: 115/DSN- MUI/IX/2017 regarding mudharabah contracts. The research method used by researchers is a descriptive qualitative method using a case study approach, based on the results of the study it can be concluded that the concept of cooperation between capital owners and capital managers of shallot farmers in Telle Village, Ajangale District, Bone Regency is a system of cooperation using the concept of a contract agreement between owners capital with shallot farmer managers in profit sharing where capital is issued first and the rest will be divided in two, which means that the capital owner gets two parts and the shallot farmer manager gets one part with the risk of loss being borne by the capital owner and the suitability of implementing mudharabah contracts for onion farmers The red flag in Telle Village, Ajangale District, Bone Regency is not fully in accordance with the fatwa of the MUI National Sharia Council No: 115/DSN-MUI/IX/2017 concerning mudharabah contracts because in practice there is one condition that does not comply with the conditions contained in the fatwa MUI National Sharia Council No: 115/DSN-MUI/IX/2017 Concerning Mudharabah Contracts, namely regarding the profit sharing ratio where farmers in Telle village, Ajangale District, Bone Regency, there is no profit sharing agreement stated at the time of the contract, while in the DSN MUI fatwa No: 115/DSN-MUI/IX/2017 concerning Mudharabah Contracts, the profit sharing ratio must be agreed at the time of the contract.

Pengaruh Rasio Keuangan Terhadap Efisiensi Bank Panin Dubai Syariah Dengan Pendekatan Data Envelopment Analysis - Analisis Diskriminan

2025-02-10T00:07:53+00:00

The purpose of this research is to measure the efficiency of Bank Panin Dubai Syariah and classify it into efficient and inefficient categories. In addition, this study also aims to determine the effect of financial ratios including ROA, CAR, NPF, FDR, and Size on the efficiency of Bank Panin Dubai Syariah. This research uses associative research with a quantitative approach. The sampling technique used is purposive sampling which is included in nonprobability sampling. The sample used is Panin Dubai Syariah Bank quarterly data from 2011 to 2021. The number of samples used during the study period was 44 financial report data presented in quarterly financial reports. The data analysis technique used is Data Envelopment Analysis (DEA) and discriminant analysis. The results of this study indicate that Bank Panin Dubai Syariah is not yet in an efficient condition, seen from the average efficiency value of 0.928. This study also shows that the FDR ratio variable has a significant effect on the efficiency of Panin Dubai Syariah Bank, while the ROA, CAR, NPF, and Size ratios have no effect on the efficiency of Panin Dubai Syariah Bank.

Keywords: Data Envelopment Analysis, Discriminant Analysis, Islamic Bank Efficiency

PENGARUH BRAND AWARENESS DAN BRAND IMAGE TERHADAP BRAND PREFERENCE (Studi Pada Nasabah Pelaku UMKM Bank Muamalat KCP Gowa)

2025-02-22T08:55:59+00:00

The aim of this research is to find out what the customer's Brand Preference is, considering that the customer's Brand Preference is the starting point of a customer's decision to buy a product at Bank Muamalat KCP Gowa. This research methodology uses Jeiniis Quantitative research is used to analyze certain populations or samples. This research uses a causal design because it explains the influence of the relationship between several variables and is carried out through hypothesis testing. As a result of this research, we can see the influence of MSME customers in making decisions in choosing a product through the views of Bank Muamalat KCP Gowa. This research will be carried out at Bank Muamalat Gowa Area Office because this area has a sufficient number of Small, Micro and Medium Enterprises (MSME) business actors. height of that area. Brand awareness is the ability of a brand to appear in consumers' minds when they think about a particular product and how easy it is for the product to appear. Brand awareness is a fundamental dimension of brand equity. A brand has no equity until consumers are aware of the existence of the brand. New brands must be able to achieve brand awareness and maintain brand awareness of all brands. Brand image consists of 2 components, namely brand association and favorability, strength & uniqueness of brand association or positive attitude, strength and uniqueness of the brand. Brand association is how consumers connect information in consumers' minds with a particular brand. Consumers will use associations to process, organize and store information in their memory so that it can all be used to simplify the purchasing decision making process.