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All Journal ULUL ALBAB International Journal of Zakat (IJAZ) AL-ARBAH: Journal of Islamic Finance and Banking
Nasrul Fahmi Zaki Fuadi
Universitas Islam Negeri Walisongo Semarang
Religion Arts Humanities Economics, Econometrics & Finance

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THE BEHAVIOR OF BANKERS TOWARDS PROFIT AND LOSS SHARING CONTRACTS: A Modified Theory of Planned Behavior Approach Ratno Agriyanto; Nur Fatoni; Nasrul Fahmi Zaki Fuadi; Mohammad Irfan; Husnurrosyidah Husnurrosyidah
ULUL ALBAB Jurnal Studi Islam Vol 23, No 2 (2022): Islamic Law and Economic
Publisher : Universitas Islam Negeri Maulana Malik Ibrahim Malang

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.18860/ua.v23i2.17038

Abstract

This paper aims at determining the psychological factors of bankers in implementing Profit and Loss Sharing (PLS) financing contracts in Islamic banks. The phenomenon of low occurrence of PLS financing motivated the researcher to write this paper. The theory of modified planned behavior is used to explain the research problem. The research data were obtained from 139 employees of Islamic banks in Indonesia and processed using SEM-PLS. The results show that trust has an effect on attitudes; subjective attitudes and norms affect intentions; perceived behavioral control has no effect on intention and behavior; intention influences behavior; and the perception of inefficiency has a negative effect on the relationship between intention and behavior. This paper contributes to the elaboration of the psychological factors affecting the behavior of bankers in implementing PLS. The implications of this paper for designing the strategies to improve the bankers' behavior in PLS financing are: the management must boost the bankers' confidence for the PLS financing benefits; the stakeholder’s social pressure is needed; the authority of bankers in implementing PLS financing needs to be increased; the bankers' access to the partner’s financial reports needs to be expanded; and the regulators need to give appreciation to Islamic banks that have a larger PLS portfolio.
The Effect of Zakat Literacy, Religiosity, and Income on the Decision to Pay Agricultural Zakat Johan Arifin; Ferry Khusnul Mubarok; Nasrul Fahmi Zaki Fuadi
International Journal of Zakat Vol 7 No 2 (2022): International Journal of Zakat
Publisher : Center of Strategic Studies (PUSKAS) BAZNAS

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.37706/ijaz.v7i2.444

Abstract

Awareness of paying agricultural zakat is still not significantly developed because many people, especially farmers, do not understand the practicalities of paying their agricultural zakat. This study aims to determine the effect of Zakat Literacy, Religiosity, and Farmer's Income on the Decision to Pay Agricultural Zakat. This study uses a quantitative method using primary data obtained through a questionnaire. The sampling technique uses purposive. The data analysis technique uses multiple linear regression using SPSS Version 22 software. The results of the analysis and hypothesis testing show that zakat literacy has a positive effect on the decision to pay agricultural zakat. The income variable also positively and significantly affects the decision to pay zakat. Meanwhile, the religiosity variable does not affect the decision to pay agricultural zakat. Based on these results, it is necessary to socialize and improve a more massive pick-up strategy to optimize agricultural zakat.
Analysis Of The Quality Of Electronic Service Es-Qual And E-Recs-Qual Models In The Bsi Mobile Application To The Level Of Customer Loyalty At Bsi Bank Adinda Nur Syafina Putri; Zuhdan Ady Fataron; Nasrul Fahmi Zaki Fuadi
AL-ARBAH: Journal of Islamic Finance and Banking Vol 5, No 1 (2023)
Publisher : Universitas Islam Negeri (UIN) Walisongo Semarang

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.21580/al-arbah.2023.5.1.17969

Abstract

AbstractPurpose - This study aims to analyze the electronic service model ES-Qual and E-Recs-Qual in the BSI Mobile application at the level of customer loyalty at the BSI bank KCP Kendal Weleri Central Java.Method - Research is a study that uses quantitative methods, with primary data from questionnaires filled out directly by customers. The population was 1.015, according to USAK data. The sample used was 85 respondents.Result - The results obtained in this study indicate the results of the simultaneous test of the eight variables significantly contributed. In partial test results, variables that have a positive and significant effect on the level of loyalty are efficiency variables, privacy, compensation, and compatibility of mobile device variables. While the variables of reliability, fulfillment, responsiveness, and contact do not have a significant influence on the level of customer loyalty.Implication - This research will have an impact on how to increase customer loyalty regarding the services provided by BSI bank in relation to the mobile banking application.Originality - This study analyzes the relationship between the electronic service variables of the ES-Qual and E-Recs-Qual models in the BSI Mobile application at the level of customer loyalty.
Co-Authors Adinda Nur Syafina Putri Ferry Khusnul Mubarok Husnurrosyidah, Husnurrosyidah Johan Arifin Mohammad Irfan Nur Fatoni Ratno Agriyanto Zuhdan Ady Fataron