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DETERMINANTS OF SAVING PREFERENCES OF VEGETABLE TRADERS IN ISLAMIC FINANCIAL INSTITUTIONS (STUDY ON THE MARKET TRADITIONAL IN KOTANOPAN SUBDISTRICT) angga angga; muhammad isa; budi gautama
Journal Of Sharia Banking Vol 3, No 1 (2022): Perbankan Syariah
Publisher : Institut Agama Islam Negeri Padangsidimpuan

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.24952/jsb.v3i1.5725

Financial institutions are institutions whose business activities are related to the financial sector. Islamic financial institutions are one of the instruments used to regulate Islamic economic rules. Islamic financial institutions as part of the sharia economic system in running a business and business cannot be separated from sharia filters. The development of Islamic financial institutions in improving the quality of the economic activities of small and small entrepreneurs by encouraging saving activities and supporting the financing of their economic activities and has made it easier for people to use the services of Islamic financial institutions from various circles of society who have micro businesses, especially in market areas. The use of Islamic financial institutions as an alternative service by traders with ease of transactions without the need to come to Islamic financial institutions to save or withdraw savings. The purpose of this study is to determine whether there is an influence of social factors and service quality on saving preferences in Islamic financial institutions. This research is a quantitative study, using 82 samples of primary data. Data collection techniques are observation, interviews and questionnaires. The data analysis techniques used are validity test, reliability test, normality test, descriptive analysis test, classical assumption test (multicollinearity test and heteroscedasticity test), multiple linear regression analysis test, and hypothesis testing (R2, Ujif and Ujit) with data processing used through the SPSS 22 program. The results of the t-test hypothesis indicate that there is an influence of social factors on saving preferences in Islamic financial institutions as evidenced by that tcount ttable is 1.829 1.664 and there is an influence of service quality on saving preferences in Islamic financial institutions as evidenced by tcount ttable ie 1.696 1.664. Furthermore, this study has a coefficient of determination (R2) obtained R2 of 0.751 or (75.1%). This means that 75.1% of the independent variables affect the dependent variable, while the remaining 24.9% is contributed by other variables outside this research model.

THE EFFECT OF BRAND EQUITY, PROMOTION AND SERVICES ON CUSTOMER'S DECISION TO USE SHARIA BANK IN SANGKUMPAL BONANG PADANGSIDIMPUAN MARKET jeni kurnia; muhammad isa; budi gautama; damri batubara
Journal Of Sharia Banking Vol 1, No 2 (2020)
Publisher : Institut Agama Islam Negeri Padangsidimpuan

Sangkumpal Bonang market is the same as the market in general, where this market is where people trade, looking for fortune, a place where sellers and buyers meet and conduct transactions. Based on data obtained by Sangkumpal Bonang Padangsidimpuan market, more traders use conventional banks than sharia banks. This study aims to determine the effect of brand equity, promotion and service on customer decisions using Islamic banks in the Sangkumpal Bonang Padangsidimpuan market. This research is a quantitative research, data sources used are primary data. The data collection technique used was a questionnaire, and documentation with a total sample of 69 respondents with the sample measurement technique was the Slovin formula. The results of partial research (t test) are Brand Equity and Services affect the Customer Decision while Promotion does not affect the Customer Decision.

The Effect of Mudharabah Financing and Musyarakah Financing on Profitability Ratios at PT. Bank BRI Syariah TBK Period 2012-2018 norma sari; budi gautama; damri batubara; nando pahrizal
Journal Of Sharia Banking Vol 1, No 1 (2020)
Publisher : Institut Agama Islam Negeri Padangsidimpuan

The background problem in this research is mudharabah financing and musyarakah financing experiencing fluctuations that are not followed by Return On Assets (ROA), which in accordance with the theory of increased financing, the Return On Assets (ROA) vice versa. The formula in this research is whether there is an influence of mudharabah financing and musyarakah financing on Return On Assets (ROA) at PT. Bank BRI Syariah TBK partially or simultaneously. This research is a quantitative descriptive study, the sample used as many as 36 samples with a purposive sampling design, data obtained through the website www.OJK.go.id testing in this study is to use the SPSS computer program Version 23. The results showed that partially there was the influence of mudharabah financing on Return On Assets (ROA) at PT. Bank BRI Syariah Tbk, and Musharaka financing shows that musyarakah financing partially influences Return On Assets (ROA) at PT. Bank BRI Syariah Tbk. With the results of the F test influential in the level of sig. So the hypothesis (Ha3) is accepted. So it can be concluded that simultaneously there is an influence between mudharabah financing and musyarakah financing on Return On Assets (ROA). While the R2square determination test is 33 percent while the remaining 67 percent is influenced by other factors not included in this study.

The Use Of E-Muamalat Facilities In Attracting Customer Interest IN PT. Bank Muamalat Indonesia TBK. KCP Panyabungan misbah misbah; budi gautama; muhammad wandisyah; samsuddin muhammad
Journal Of Sharia Banking Vol 2, No 2 (2021)
Publisher : Institut Agama Islam Negeri Padangsidimpuan

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.24952/jsb.v2i2.5039

Banking service facilities using information technology are called Electronic Muamalat. With advances in information technology, customers can make transactions from anywhere and anytime quickly and easily, so as to further increase the volume of transactions that occur at a bank. However, only some of the customers of Bank Muamalat Indonesia Tbk. KCP. Panyabungan that uses E-Muamalat. The purpose of this study is to find out how customers perceive E-Muamalat and the factors that cause customers to use E-Muamalat at PT. Bank Muamalat Indonesia Tbk. KCP Panyabungan. Theories used in this study include Definition of Interests, Banking Services, Technology Banking Services, Electronic Banking, Banking History, Types of Electronic Transactions and Products at PT. Bank Muamalat Indonesia Tbk. Panyabungan KCP. This research is field research using a qualitative approach with data collection techniques using the Interview, Documentation, Observation method, while the data sources used are primary and secondary. Based on the results of research that has been carried out by researchers, it can be seen that customer perceptions of E-Muamalat are very practical, super-fast, and accurate without having to come to the office when they want to transact, besides that the factors that cause customers to use E-Muamalat because they don't want to miss out on electronic-based banking products. Banking.

The Use Of E-Muamalat Facilities In Attracting Customer Interest IN PT. Bank Muamalat Indonesia TBK. KCP Panyabungan misbah misbah; budi gautama; muhammad wandisyah; samsuddin muhammad
Journal Of Sharia Banking Vol 2, No 2 (2021)
Publisher : Institut Agama Islam Negeri Padangsidimpuan

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.24952/jsb.v2i2.5040

Banking service facilities using information technology are called Electronic Muamalat. With advances in information technology, customers can make transactions from anywhere and anytime quickly and easily, so as to further increase the volume of transactions that occur at a bank. However, only some of the customers of Bank Muamalat Indonesia Tbk. KCP. Panyabungan that uses E-Muamalat. The purpose of this study is to find out how customers perceive E-Muamalat and the factors that cause customers to use E-Muamalat at PT. Bank Muamalat Indonesia Tbk. KCP Panyabungan. Theories used in this study include Definition of Interests, Banking Services, Technology Banking Services, Electronic Banking, Banking History, Types of Electronic Transactions and Products at PT. Bank Muamalat Indonesia Tbk. Panyabungan KCP. This research is field research using a qualitative approach with data collection techniques using the Interview, Documentation, Observation method, while the data sources used are primary and secondary. Based on the results of research that has been carried out by researchers, it can be seen that customer perceptions of E-Muamalat are very practical, super-fast, and accurate without having to come to the office when they want to transact, besides that the factors that cause customers to use E-Muamalat because they don't want to miss out on electronic-based banking products. Banking.

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