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Journal : Perisai : Islamic Banking and Finance Journal

Pengaruh Komitmen dan Kepercayaan terhadap Kepuasan Nasabah Bank Syariah di Surabaya Erwan Aristyanto; Aditya Surya Nanda; Andi Farouq Hasan
Perisai : Islamic Banking and Finance Journal Vol 3 No 1 (2019): May
Publisher : Universitas Muhammadiyah Sidoarjo

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.21070/perisai.v3i1.1981

Abstract

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.
Pengaruh CAR dan BOPO Terhadap ROA pada Bank Syariah pada Tahun 2011-2018 Aditya Surya Nanda; Andi Farouq Hasan; Erwan Aristyanto
Perisai : Islamic Banking and Finance Journal Vol 3 No 1 (2019): May
Publisher : Universitas Muhammadiyah Sidoarjo

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.21070/perisai.v3i1.2160

Abstract

Risk based bank rating (RBBR) must always be monitored to avoid problems in the bank- ing system. The problematic conditions at a bank that can eventually end in bankruptcy can be identified as a measure of the company's tendency to financially fail and ultimately unable to carry out its business operations. Then analyzing the effect of the Capital Ade- quacy Ratio (CAR) and Operational Costs on Operating Income (BOPO) on performance (Return of Assets / ROA) on islamic banking is considered very important. The population of this study is Islamic Bangking and took samples of 2 banks in Indonesia for the period 2011- 2015. The sample method used is Purposive Sampling. From the results of the results analysis t test shows that the CAR variable partially does not affect the performance of islamic banking (ROA) while the BOPO variable has a significant effect on the performance of islamic banking (ROA). The results of the F Test analysis are known that the CAR and BOPO variables together have a significant effect on the performance of islamic banking. The results of the analysis of the Determination Coefficient (R2) obtained Adjusted Square (R2) of 0.969, this indicates that the performance of sharia banks can be explained by the variables CAR and BOPO of 96.90.