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The Influence of Satisfaction on Quality Dimensions Services Financing Mudharabah to Customers Loyalty of Shariah Bank Romi Iskandar; Winda Afriyenis; Nila Pratiwi; Anita Ade Rahma
UPI YPTK Journal of Business and Economics Vol. 1 No. 1 (2016): May 2016
Publisher : Lembaga Penelitian dan Pengabdian Kepada Masyarakat Universitas Putra Indonesia YPTK

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.35134/jbe.v1i1.15

Abstract

This research aims to understand the influence of satisfaction on the quality of services financing Mudharabah to loyalty the customers about the manner of Shariah bank. The Population of this research is customers of Mudharabah financing of Shariah bank in the Padang city, West Sumatera, Indonesia with the sample is 126 people. Data analysis technique uses statistics descriptive the frequency and the path analysis. The results show that 5 external variables namely satisfaction on the quality of services tangible dimension empathy, reliability, responsiveness, assurance influential significantly to loyalty to the bank customers shariah in the Padang city. Contributing on each satisfaction on the quality of services tangible dimension (11.81 %), empathy (15.55 %), reliability (23.48 %), responsiveness (22.60 %), and assurance (21.22 %) were recommended to bank about the manner of shariah bank in the city the Padang. They helps to raise and improving the quality of services financing Mudharabah particularly regarding to the from the parking lot, the number of ATM machine, concern at a venture customers, the accuracy of the schedule of distribution financing, order and long a queue, smooth bank-in and cash withdrawal, speed service and facilities for customers in conveyed any complaints to bank about the manner of Shariah bank.
Relationship Analysis of Ratio and Profitability In Sharia Commercial Banks In Indonesia Sigit Sanjaya; Nila Pratiwi
UPI YPTK Journal of Business and Economics Vol. 5 No. 3 (2020): September 2020
Publisher : Lembaga Penelitian dan Pengabdian Kepada Masyarakat Universitas Putra Indonesia YPTK

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.35134/jbe.v5i3.18

Abstract

This study aims to analyze financial ratios and their impact on profitability in Islamic banks in Indonesia. The ratios used are CAR (X1), NPF (X2), FDR (X3), OER (X4) and ROA (Y) for profitability. The research population is all Islamic commercial banks in Indonesia. The sampling technique used total sampling. The research data starts from 2015 to 2019. Sources of data were obtained secondary through publications from the OJK. Data analysis used descriptive statistical tests, classical assumption tests (normality test, heteroscedasticity test, multicollinearity test and autocorrelation test), coefficient determination test, F-test and t-test. The result showed CAR (X1), NPF (X2), FDR (X3), OER (X4) simultaneously have a significant effect on ROA (Y). The variables FDR (X3) and OER (X4) partially have significant effect on ROA (Y) whereas CAR (X1) and NPF (X2) have no significant effect on ROA (Y).