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ANALYSIS OF THE HEALTH LEVEL OF BRI SHARIA BANK THROUGH RGEC METHOD FROM 2016 TO 2020 Imam Ali Mustofa; Nurhayati Nurhayati; Fajruddin Fatwa; Suqiyah Musyafa’ah; Muhammad Iqbal Surya Pratikto
El-Qist: Journal of Islamic Economics and Business (JIEB) Vol. 8 No. 2 (2018): eL-Qist
Publisher : Islamic Economics Department, Faculty of Islamic Economics and Business, Sunan Ampel State Islamic University, Surabaya Indonesia

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.15642/elqist.2018.8.2.1676-1703

Abstract

With this research, it can be known whether or not BRI Syariah Bank is healthy through the application of the RGEC method from 2016 to 2020. In carrying out an analysis of the health of BRI Syariah banks, the author uses technical analysis of the data through the application of the RGEC method. This research uses a descriptive quantitative approach that uses the RGEC method or steps through 4 analysis components consisting of Risk Profile, GCG, Earnings, and Capital. Where the ratios contained in each component of the analysis are contained in a financial report. This study resulted in a conclusion that the soundness of BRI Syariah banks in 2016-2020 that applied the RGEC method assessed through four analysis components and eight ratios consisting of NPF, FDR, PDN, ROA, ROE, NI, BOPO, and CAR obtained a healthy rating.
The Intervening Effect of Customer Satisfaction at 212 Mart Nafisatul Husniah; Muhamad Ahsan; Nurhayati Nurhayati
Ad-Deenar: Jurnal Ekonomi dan Bisnis Islam Vol 7, No 02 (2023): Ad-Deenar: Jurnal Ekonomi dan Bisnis Islam
Publisher : Sekolah Tinggi Agama Islam Al Hidayah Bogor

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.30868/ad.v7i02.4283

Abstract

Today, many sharia minimarkets are operating in Indonesia, including 212 Mart. This minimarket was inspired by Aksi Bela Islam 212. Despite emphasizing sharia values, customer loyalty is still the primary determinant of the success of a business. This study aimed to analyze and prove the variable influence of religiosity, brand equity, and service quality on customer loyalty with customer satisfaction as an intervening variable in the 212 Mart DKI Jakarta area. The quantitative method is used to prove the hypothesis proposed by the research sample of 136 respondents (response rate of 82%). The data were collected using the purposive sampling technique through a questionnaire given directly to the respondents. The collected data were analyzed using Partial Least Square through the SmartPLS 3.0 application. The results showed; that first, there was a direct influence on the variable of religiosity and service quality on customer loyalty and the variable of service quality on customer satisfaction. Second, the effect of religiosity, brand equity, and service quality on customer loyalty is not mediated by customer satisfaction as an intervening variable. The uniqueness of this result is that customer satisfaction does not judge the effect of other variables on customer loyalty at 212 Mart. In the future, it is essential to know whether the same applies to other sharia-based minimarkets.