This research aims to examine the influence of sharia banking characteristics (CAR, FDR, BOPO and NPF) and macroeconomics factors (inflation and GDP) on sharia banking profitability (return on asset/ROA). The data was obtained from the Financial Services Authority (OJK) publication report by purposive sampling technique in 12 sharia commercial banks. Then, data were analysed by multiple linear analysis. The results indicate that variables of BOPO, NPF and GDP significantly influence the ROA, but FDR, CAR and inflation have no significant influence on ROA. The prediction ability of 6 independent variables to the dependent variable is 65,6%, while 44,4% is influenced by other variables not mentioned in this research.
This study tested the effect of service quality on sharia bank customer loyalty in Ponorogo mediated by customer trust and satisfaction. During the covid-19 pandemic, many customers withdraw their money in sharia banks and conventional banks. The novelty of this research in the form of trust and satisfaction that is used as a mediator variable between the quality of service and customer loyalty, similar research has never been done. This research is quantitative with structural equation modelling method, with a total of 60 samples consisting of teachers at Pondok Modern Darussalam Gontor campus 2 Madusari Ponorogo. The findings in this study shows that the service quality has a positive effect on trust and satisfaction, satisfaction is a mediator between the service quality and loyalty, while trust is not a mediator variable between the service quality and the loyalty of customers in sharia banking. Further research is expected to further examine the role of customer satisfaction in maintaining the loyalty of sharia bank customers.Penelitian ini menguji pengaruh kualitas layanan terhadap loyalitas nasabah bank syariah di Ponorogo yang dimediasi oleh kepercayaan dan kepuasan nasabah. Pada masa pandemi covid-19 nasabah banyak yang menarik uangnya di bank syariah maupun bank konvensional. Kebaruan dari penelitian ini berupa kepercayaan dan kepuasan yang dijadikan sebagai variabel mediator antara kualitas layanan dan loyalitas nasabah, penelitian serupa belum pernah dilakukan. Penelitian ini berjenis kuantitatif dengan metode structural equation modelling, dengan jumlah sampel sebanyak 60 yang terdiri dari guru pada Pondok Modern Darussalam Gontor kampus 2 Madusari Ponorogo. Temuan pada penelitian ini menunjukkan bahwa kualitas layanan berpengaruh positif pada kepercayaan dan kepuasan, kepuasan merupakan media antara kualitas layanan dan loyalitas, sedangkan kepercayaan bukan merupakan variabel mediasi antara kualitas layanan dan loyalitas nasabah bank syariah. Penelitian selanjutnya diharpkan meneliti lebih jauh peranan kepuasan nasabah dalam menjaga loyalitas nasabah bank syariah.
This study aims to develop a Theory of Planned Behavior by analyzing the factors that influence customers to contribute to Islamic P2P lending customers. This study uses a partial least squares structural equation model (PLS-SEM) analysis with 120 respondents. The number of respondents is determined by the five rules of thumb approach, while data collection is done by purposive sampling. This research was conducted for one year, namely in 2021-2022 with the provision that the sample was customers of Islamic P2P lending in Indonesia. The results of the study revealed that attitude, subjective norm and perceived behavior control had a significant positive effect on the intention to contribute to Islamic P2P lending. While piety and intention have a significant positive effect on behavior to contribute to Islamic P2P lending in Indonesia. The results of this study contribute to the development of the theory of planned behavior (TPB), more extensive research is needed such as research in countries that are members of the OIC to validate these results. Keywords: Muslim Behavior, Islamic Peer-to-Peer Landing, Financial Technology
This study aims to explore the reputation, transparency, trust, waqif perception of nadzir’s professionalism, and the intention to pay waqf in Gontor Institution. This study based on the theory of planned behavior (TPB) which examines the effect of reputation, transparency, trust toward waqif perception of Nadzir’s professionalism and intention to pay waqf. The approach this study is a quantitative approach with structural equation modeling-partial least square (SEM-PLS) measurements. The number of respondents 200 alumni of the Pondok Modern Darussalam Gontor. The findings in this study indicate that reputation, transparency, trust have a significant positive effect on the intention to pay waqf at Pondok Modern Darussalam Gontor with the waqif’s perception of nadzir’s professionalism as mediating effect. Other findings indicate that trust as moderating effect between reputation and waqif perception of nadzir’s professional.
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