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All Journal Waraqat : Jurnal Ilmu_Ilmu Keislaman AL-ARKHABIIL: Jurnal Pengabdian Masyarakat Islamic Banking & Economic Law Studies
Muhammad Nurul Alim
STAI Asy-Syukriyyah Tangerang
Religion Economics, Econometrics & Finance Education Languange, Linguistic, Communication & Media Law, Crime, Criminology & Criminal Justice Social Sciences

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Journal : Islamic Banking

 1 
PENGARUH PENERIMAAN TEKNOLOGI DENGAN METODE UTAUT TERHADAP MINAT MENGGUNAKAN MOBILE BANKING DI BSI TANGERANG Muhammad Nurul Alim; Wahyu Hidayat; Risqi Amalia
I-BEST: Islamic Banking & Economic Law Studies Vol. 3 No. 1 (2024): I-BEST: ISLAMIC BANKING & ECONOMIC LAW STUDIES
Publisher : STAI Asy-Syukriyyah

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.36769/ibest.v3i1.489

Abstract

The purpose of this study is to determine the effect of UTAUT factors, namely Performance Expectations, Effort Expectations, Social Influence and Facilitating Conditions partially and simultaneously on customer interest in using BSI mobile banking services in Tangerang. With four independent variables, namely: Performance Expectations (X1), Business Expectations (X2), Social Influence (X3), and Facilitating Conditions and the dependent variable is Interest (Y). The population in this study were Bank Syariah Indonesia customers with a sample size of 110 respondents. This study applies quantitative research methods. The analysis used in this study is the measurement model test (outer model) and the structural model test (inner model). This study uses the SmartPLS 3.0 program to process data.The results of this study indicate that the Performance Expectation variable (X1) has a positive and significant effect on the variable customer interest in using mbanking services with a significance level of 0.000 <0.05. The Effort Expectation variable (X2) has a negative and insignificant effect on interest in using mbanking services with a significance level of 0.557>0.05. The Social Influence variable has a positive and significant effect on interest in using mbanking services with a significance level of 0.000 <0.05. Facilitating Conditions have a positive and insignificant effect on customer interest in using mbanking services with a significance level of 0.315>0.05 then simultaneously together the independent variables simultaneously affect the dependent variable interest in using mbanking services.This research is expected to be useful for further research that wants to develop further research knowledge, banking and academic parties.
DEFAULT MORTGAGE CUSTOMERS THROUGH BANK KPR WITH BUYBACK GUARANTEE DEVELOPER FACILITY IN ISLAMIC ECONOMICS PERSPECTIVE Djaka Suryadi; Muhammad Nurul Alim
I-BEST: Islamic Banking & Economic Law Studies Vol. 3 No. 1 (2024): I-BEST: ISLAMIC BANKING & ECONOMIC LAW STUDIES
Publisher : STAI Asy-Syukriyyah

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.36769/ibest.v3i1.497

Abstract

This research aims to determine the buyback guarantee regulatory system and the buyback guarantee working mechanism until the bank makes a buyback guarantee claim to the developer. This research also aims to review buyback guarantee from Islamic perspective. The research method used is qualitative research using closed interviews and observation methods. Based on the research results, the developer has the criteria for potential partners to be able to work together and make agreement rules for both parties and the risks that will be experienced by the Customer, Bank, and Developer. The developer can make an effort before the bank makes a buyback guarantee claim to remind the customer that payment obligations at the bank are in arrears. In Islamic sharia perspective, the buyback guarantee is permitted provided that it is an option, not an obligation. The buyer may sell either to the first seller or another person. This provision is to avoid the prohibited bai’ al-'inah, which leads to prohibited riba transaction. Other Islamic solutions are debt restructuring (rescheduling) and postponement of the debt payment.The research is expected to give Islamic solution before buyback guarantee is executed
Co-Authors Dian Amand Nasution Djaka Suryadi Fauzan Agung Pratama Ikhlasul Amal Wishri Maulana Ahmad Abadi Muhammad Nugraha Risqi Amalia Ruslan Husein Marasabessy Taufik Hidayat Tri Hidayatullah Wahyu Hidayat Wizhar Al Giffari