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All Journal Journal of Islamic Economic Laws EDUKA : Jurnal Pendidikan, Hukum, Dan Bisnis
KARTIKA MARELLA VANNI
Universitas Islam Negeri Walisongo
Arts Humanities Economics, Econometrics & Finance Law, Crime, Criminology & Criminal Justice

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ANALISIS FAKTOR-FAKTOR YANG MEMPENGARUHI KEPUASAN NASABAH DALAM MENGGUNAKAN LAYANAN MOBILE BANKING (Studi Kasus Pada Nasabah Bank Syariah Mandiri di Kota Semarang) AMATUN NUR MAKMURIYAH; KARTIKA MARELLA VANNI
Eduka : Jurnal Pendidikan, Hukum, dan Bisnis Vol 5, No 1 (2020): Eduka : Jurnal Pendidikan, Hukum, dan Bisnis
Publisher : Faculty of training and education, Pamulang university

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.32493/eduka.v5i1.6362

Abstract

Penelitian ini bertujuan untuk menguji faktor-faktor yang mempengaruhi kepuasan nasabah dalam mengaplikasikan layanan mobile banking pada nasabah Bank Syariah Mandiri di Kota Semarang, seperti : kemudahan penggunaan, risiko dan fitur layanan. Penelitian ini dilakukan melalui pendekatan kuantitatif dengan metode pengambilan sampelnya memakai teknik sampling purposive. Pengukuran yang diterapkan dalam penelitian ini munggunakan skala likert yang diolah melalui aplikasi SPSS (Statistical Package for Social Science). Hasil pengujian hipotesis menunjukkan bahwa setiap variabel independen yang terdiri dari kemudahan penggunaan, risiko, dan fitur layanan berpengaruh signifikan terhadap kepuasan nasabah dalam menggunakan layanan mobile banking dan dinyatakan hipotesis yang diajukan diterima.Kata Kunci : kemudahan penggunaan;risiko;fitur layanan;mobile banking
Fiduciary Dispute Settlement of Murabaha Contract in PT. Al-Ijarah Indonesia Finance Riska Wijayanti; Kartika Marella Vanni
Journal of Islamic Economic Laws Vol 2, No 2: July 2019
Publisher : Muhammadiyah University Press

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.23917/jisel.v2i2.8616

Abstract

This study examines the authority of dispute settlement body of a bad financing in murabaha contracts with a collateral of Daihatsu VVTI car 13 XI DLX Year 2011 midnight black color. According to DSN Fatwa Number 04/DSN-MUI/IV/2000 concerning Murabaha the placement of fiduciary on murabaha contract objects is indeed permissible, but it becomes ambiguous when murabaha objects which are used as collateral in the financing process that have not been repaid are lost, causing late installment payments. The customer argued that the late payment was due to the embezzlement of murabaha objects by third parties beyond the expectations or control of the customer. This study also examines the legal liability for late settlement of murabaha sale and purchase by customers due to the loss of murabaha objects which at the same time become collateral in murabaha financing contracts. This research is normative legal research with a legal approach and a case approach. This study concludes that Religious Courts have the authority to decide disputes that occur between customers (mushtari) and sharia financial institutions (ṣahib al-māl) for late repayment of murabaha financing. Based on the principle of accountability based on the element of error, the customer (mushtari) has legal responsibility for his actions. Errors made by customers (mushtari) are in the form of negligence.
Co-Authors AMATUN NUR MAKMURIYAH Riska Wijayanti