Pub Date : 2022-04-07DOI: 10.21070/perisai.v6i1.1598
Fitri Nur Latifah, Imron Mawardi, Bayu Wardhana
The purpose of this research is to find out the extent of the crime of data theft (phishing) in fintech and how to anticipate it in Indonesia in the midst of the Coronavirus Pandemic that has hit Indonesia in recent years. The COVID-19 pandemichas had an impact on all community activities. The existence of social distancing and physical distancing policies has made changes to community activities, including financial services. The use of technology-based financial services or what is often termed financial technology has now become a trend and habit in the community. The literature review research method that we use in this study uses sources from several literacies such as books, journal articles, media reports and so on.The results of this study that phishing is currently found in several models of crimeand there are several efforts to prevent this crime from becoming more widespread.
{"title":"Threat of Data Theft (Phishing) Amid Trends in Fintech Users During the Covid-19 Pandemic (Study Phishing In Indonesia)","authors":"Fitri Nur Latifah, Imron Mawardi, Bayu Wardhana","doi":"10.21070/perisai.v6i1.1598","DOIUrl":"https://doi.org/10.21070/perisai.v6i1.1598","url":null,"abstract":"The purpose of this research is to find out the extent of the crime of data theft (phishing) in fintech and how to anticipate it in Indonesia in the midst of the Coronavirus Pandemic that has hit Indonesia in recent years. The COVID-19 pandemichas had an impact on all community activities. The existence of social distancing and physical distancing policies has made changes to community activities, including financial services. The use of technology-based financial services or what is often termed financial technology has now become a trend and habit in the community. The literature review research method that we use in this study uses sources from several literacies such as books, journal articles, media reports and so on.The results of this study that phishing is currently found in several models of crimeand there are several efforts to prevent this crime from becoming more widespread.","PeriodicalId":206226,"journal":{"name":"Perisai : Islamic Banking and Finance Journal","volume":"24 1","pages":"0"},"PeriodicalIF":0.0,"publicationDate":"2022-04-07","publicationTypes":"Journal Article","fieldsOfStudy":null,"isOpenAccess":false,"openAccessPdf":"","citationCount":null,"resultStr":null,"platform":"Semanticscholar","paperid":"122271919","PeriodicalName":null,"FirstCategoryId":null,"ListUrlMain":null,"RegionNum":0,"RegionCategory":"","ArticlePicture":[],"TitleCN":null,"AbstractTextCN":null,"PMCID":"","EPubDate":null,"PubModel":null,"JCR":null,"JCRName":null,"Score":null,"Total":0}
Pub Date : 2022-03-19DOI: 10.21070/perisai.v6i1.1580
Julia Safitri, Yuridistya Primadhita
This study aims to examine and analyze the relationship of the influence of liquidity on bank performance mediated by credit risk. Using data on Islamic banking companies listed on the IDX in 2013-2019. The methodology of this research was carried out to achieve the objectives of this study, namely how the influence of liquidity on the performance of Islamic banking companies in Indonesia which is mediated by credit risk. By processing data from data collected from the pre-pandemic and during the pandemic, this research can prove the proposed hypothesis. The analytical tool used is SEM-PLS with WarpPLS 7.0 application. The results of this study indicate that credit risk can partially mediate the relationship between the influence of liquidity on bank performance. This study succeeded in proving that the influence of liquidity on bank performance is acceptable and can be mediated by credit risk. This is in line with the Commercial Loan Theory which explains that providing loans to short-term and productive customers can minimize customer defaults, so that the company's performance will be maintained. During the current pandemic, it is one of the things that makes companies careful in managing liquidity as well as in distributing credit. Banks must be really selective in choosing loans submitted by customers, in order to avoid defaults that cause a decline in bank performance.
{"title":"The Role of Credit Risk as Mediating the Effect of Liquidity on Sharia Banking Performance","authors":"Julia Safitri, Yuridistya Primadhita","doi":"10.21070/perisai.v6i1.1580","DOIUrl":"https://doi.org/10.21070/perisai.v6i1.1580","url":null,"abstract":"This study aims to examine and analyze the relationship of the influence of liquidity on bank performance mediated by credit risk. Using data on Islamic banking companies listed on the IDX in 2013-2019. The methodology of this research was carried out to achieve the objectives of this study, namely how the influence of liquidity on the performance of Islamic banking companies in Indonesia which is mediated by credit risk. By processing data from data collected from the pre-pandemic and during the pandemic, this research can prove the proposed hypothesis. The analytical tool used is SEM-PLS with WarpPLS 7.0 application. The results of this study indicate that credit risk can partially mediate the relationship between the influence of liquidity on bank performance. This study succeeded in proving that the influence of liquidity on bank performance is acceptable and can be mediated by credit risk. This is in line with the Commercial Loan Theory which explains that providing loans to short-term and productive customers can minimize customer defaults, so that the company's performance will be maintained. During the current pandemic, it is one of the things that makes companies careful in managing liquidity as well as in distributing credit. Banks must be really selective in choosing loans submitted by customers, in order to avoid defaults that cause a decline in bank performance.","PeriodicalId":206226,"journal":{"name":"Perisai : Islamic Banking and Finance Journal","volume":"19 1","pages":"0"},"PeriodicalIF":0.0,"publicationDate":"2022-03-19","publicationTypes":"Journal Article","fieldsOfStudy":null,"isOpenAccess":false,"openAccessPdf":"","citationCount":null,"resultStr":null,"platform":"Semanticscholar","paperid":"123002927","PeriodicalName":null,"FirstCategoryId":null,"ListUrlMain":null,"RegionNum":0,"RegionCategory":"","ArticlePicture":[],"TitleCN":null,"AbstractTextCN":null,"PMCID":"","EPubDate":null,"PubModel":null,"JCR":null,"JCRName":null,"Score":null,"Total":0}
Pub Date : 2022-03-19DOI: 10.21070/perisai.v6i1.1583
Pupun Saepul Rohman, N. Laila, A. Shofawati
Bait al-maal wa al-tamwiil is a sharia microfinance concept that only exists in Indonesia. There is a uniqueness in the concept, namely the merging of social activities with commercial activities in one institution. This institution was born along with the birth of Islamic banking in Indonesia. This study collects a number of literatures to describe the architectural map of BMT in Indonesia. Currently BMTs mostly operate under Law no. 25 of 1992 concerning Cooperatives and a few others operate under the Financial Services Authority (OJK) through Law no. 1 of 2013 concerning Microfinance Institutions (MFIs). The DSN MUI fatwa which is the basis for the existence of BMT is the DSN-MUI Fatwa No. 141/DSN-MUI/VIII/2021 concerning Guidelines for the Establishment and Operation of Sharia Cooperatives.
Bait al-maal wa al-tamwiil是一个伊斯兰教的小额信贷概念，只存在于印度尼西亚。这个概念有一个独特之处，即社会活动与商业活动在一个机构内的融合。该机构是随着印度尼西亚伊斯兰银行的诞生而诞生的。本研究收集了大量文献来描述印尼BMT的建筑地图。目前，bmt主要根据第2号法律运营。1992年第25号法，关于合作社和其他一些在金融服务局(OJK)下运作的合作社。关于小额信贷机构(MFIs)的2013年1月1日。作为BMT存在基础的DSN MUI法特瓦是DSN-MUI法特瓦第141/DSN-MUI/VIII/2021号，涉及伊斯兰教合作社的建立和运营准则。
{"title":"Baitul Mal Wat Tamwil Architectural Map: Institutional and Regulatory Analysis","authors":"Pupun Saepul Rohman, N. Laila, A. Shofawati","doi":"10.21070/perisai.v6i1.1583","DOIUrl":"https://doi.org/10.21070/perisai.v6i1.1583","url":null,"abstract":"Bait al-maal wa al-tamwiil is a sharia microfinance concept that only exists in Indonesia. There is a uniqueness in the concept, namely the merging of social activities with commercial activities in one institution. This institution was born along with the birth of Islamic banking in Indonesia. This study collects a number of literatures to describe the architectural map of BMT in Indonesia. Currently BMTs mostly operate under Law no. 25 of 1992 concerning Cooperatives and a few others operate under the Financial Services Authority (OJK) through Law no. 1 of 2013 concerning Microfinance Institutions (MFIs). The DSN MUI fatwa which is the basis for the existence of BMT is the DSN-MUI Fatwa No. 141/DSN-MUI/VIII/2021 concerning Guidelines for the Establishment and Operation of Sharia Cooperatives.","PeriodicalId":206226,"journal":{"name":"Perisai : Islamic Banking and Finance Journal","volume":"123 1","pages":"0"},"PeriodicalIF":0.0,"publicationDate":"2022-03-19","publicationTypes":"Journal Article","fieldsOfStudy":null,"isOpenAccess":false,"openAccessPdf":"","citationCount":null,"resultStr":null,"platform":"Semanticscholar","paperid":"124687574","PeriodicalName":null,"FirstCategoryId":null,"ListUrlMain":null,"RegionNum":0,"RegionCategory":"","ArticlePicture":[],"TitleCN":null,"AbstractTextCN":null,"PMCID":"","EPubDate":null,"PubModel":null,"JCR":null,"JCRName":null,"Score":null,"Total":0}
In February 2021, Bank Syariah Indonesia or abbreviated as BSI officially operates, BSI is a merger of Bank Syariah Mandiri, Bank BNI Syariah, and Bank BRI Syariah. BSI changed the constellation of Islamic banking in Indonesia, which formed a new pillar of strength for the Islamic economy in Indonesia. In carrying out the social functions of BSI, especially in the realm of zakat, it certainly cannot run alone. This means that it requires both internal and external BSI institutions in managing zakat funds and other Islamic social funds. Zakat management organizations (OPZ) that are partnered include the National Amil Zakat Agency (BAZNAS) as a form of support in encouraging community participation to increase ZIS and to ensure proper distribution of targets to those who really need it. ) and the National Amil Zakat Agency (BAZNAS) collaborated in which this step was taken as a form of enthusiasm from BSI and BAZNAS in an effort to strengthen and distribute the zakat ecosystem and the Love Zakat Movement. This study aims to analyze the synergy between BSI and BAZNAS in managing ZIS funds and implementing the synergy program to improve community welfare. This research was conducted using qualitative research methods, literature study approach (Library Research). The validity of the data using source triangulation, and data analysis techniques using descriptive analysis. The results show that BSI and BAZNAS in their synergy activities have an analysis of strengths and opportunities, and the implementation of synergies carried out by BSI and BAZNAS in supporting the strengthening of ZIS for the welfare of the community and as support for the charity love movement, namely the policy of merging BAZNAS accounts to BSI, ZIS payment features in the BSI Mobile Banking Application, and the BSI company's zakat payments submitted to BAZNAS.
{"title":"Implementation Of Synergy Of Zis Fund Management In Sharia Banking And Zakat Management Organizations (Opz) For Strengthening The Zakat Ecosystem","authors":"Phatriakalista Intan Apsari, Arin Setiyowati, Fatkhur Huda","doi":"10.21070/perisai.v6i1.1590","DOIUrl":"https://doi.org/10.21070/perisai.v6i1.1590","url":null,"abstract":"In February 2021, Bank Syariah Indonesia or abbreviated as BSI officially operates, BSI is a merger of Bank Syariah Mandiri, Bank BNI Syariah, and Bank BRI Syariah. BSI changed the constellation of Islamic banking in Indonesia, which formed a new pillar of strength for the Islamic economy in Indonesia. In carrying out the social functions of BSI, especially in the realm of zakat, it certainly cannot run alone. This means that it requires both internal and external BSI institutions in managing zakat funds and other Islamic social funds. Zakat management organizations (OPZ) that are partnered include the National Amil Zakat Agency (BAZNAS) as a form of support in encouraging community participation to increase ZIS and to ensure proper distribution of targets to those who really need it. ) and the National Amil Zakat Agency (BAZNAS) collaborated in which this step was taken as a form of enthusiasm from BSI and BAZNAS in an effort to strengthen and distribute the zakat ecosystem and the Love Zakat Movement. This study aims to analyze the synergy between BSI and BAZNAS in managing ZIS funds and implementing the synergy program to improve community welfare. This research was conducted using qualitative research methods, literature study approach (Library Research). The validity of the data using source triangulation, and data analysis techniques using descriptive analysis. The results show that BSI and BAZNAS in their synergy activities have an analysis of strengths and opportunities, and the implementation of synergies carried out by BSI and BAZNAS in supporting the strengthening of ZIS for the welfare of the community and as support for the charity love movement, namely the policy of merging BAZNAS accounts to BSI, ZIS payment features in the BSI Mobile Banking Application, and the BSI company's zakat payments submitted to BAZNAS.","PeriodicalId":206226,"journal":{"name":"Perisai : Islamic Banking and Finance Journal","volume":"242 1","pages":"0"},"PeriodicalIF":0.0,"publicationDate":"2022-03-04","publicationTypes":"Journal Article","fieldsOfStudy":null,"isOpenAccess":false,"openAccessPdf":"","citationCount":null,"resultStr":null,"platform":"Semanticscholar","paperid":"132056737","PeriodicalName":null,"FirstCategoryId":null,"ListUrlMain":null,"RegionNum":0,"RegionCategory":"","ArticlePicture":[],"TitleCN":null,"AbstractTextCN":null,"PMCID":"","EPubDate":null,"PubModel":null,"JCR":null,"JCRName":null,"Score":null,"Total":0}
Pub Date : 2021-10-20DOI: 10.21070/perisai.v5i2.1532
Saifuddin, Sofiyatul Mukarromah
Wisata syariah merupakan wisata yang mengedepankan nilai dan norma keislaman yang sesuai dengan syariat islam sebagai landasan dasarnya. Penelitian ini bertujuan untuk mengetahui atau melihat bagaimana persepsi masyarakat atau wisatawan terhadap destinasi wisata syariah di Utama Raya Banyuglugur Situbondo. Penelitian ini merupakan penelitian kuantitatif dengan metode survey yang dilakukan dengan menyebarkan kusioner terhadap 55 responden. Hasil penelitian ini menunjukkan bahwa wisatawan dan masyarakat setempat memiliki persepsi baik terhadap wisata syariah di Utama Raya, menurut hasil data yang terlah terkumpulkan. Wisatawan dan masyarakat setempat sangat antusias dengan adanya wisata syariah di Utama Raya.
{"title":"The Persepsi Masyarakat Terhadap Destinasi Wisata Syariah: Tujuan Fenomena (Studi Kasus Pada Wisata Syariah Utama Raya Banyuglugur Situbondo)","authors":"Saifuddin, Sofiyatul Mukarromah","doi":"10.21070/perisai.v5i2.1532","DOIUrl":"https://doi.org/10.21070/perisai.v5i2.1532","url":null,"abstract":"Wisata syariah merupakan wisata yang mengedepankan nilai dan norma keislaman yang sesuai dengan syariat islam sebagai landasan dasarnya. Penelitian ini bertujuan untuk mengetahui atau melihat bagaimana persepsi masyarakat atau wisatawan terhadap destinasi wisata syariah di Utama Raya Banyuglugur Situbondo. Penelitian ini merupakan penelitian kuantitatif dengan metode survey yang dilakukan dengan menyebarkan kusioner terhadap 55 responden. Hasil penelitian ini menunjukkan bahwa wisatawan dan masyarakat setempat memiliki persepsi baik terhadap wisata syariah di Utama Raya, menurut hasil data yang terlah terkumpulkan. Wisatawan dan masyarakat setempat sangat antusias dengan adanya wisata syariah di Utama Raya.","PeriodicalId":206226,"journal":{"name":"Perisai : Islamic Banking and Finance Journal","volume":"14 3","pages":"0"},"PeriodicalIF":0.0,"publicationDate":"2021-10-20","publicationTypes":"Journal Article","fieldsOfStudy":null,"isOpenAccess":false,"openAccessPdf":"","citationCount":null,"resultStr":null,"platform":"Semanticscholar","paperid":"132609290","PeriodicalName":null,"FirstCategoryId":null,"ListUrlMain":null,"RegionNum":0,"RegionCategory":"","ArticlePicture":[],"TitleCN":null,"AbstractTextCN":null,"PMCID":"","EPubDate":null,"PubModel":null,"JCR":null,"JCRName":null,"Score":null,"Total":0}
Pub Date : 2021-10-16DOI: 10.21070/perisai.v5i2.1363
Dewi Amalia, Muhammad Zakiy
Counterproductive work behavior has caused a lot of harm to the organization and employees, both directly and indirectly. This research aims to determine the effect of work-family conflict, work stress and turnover intention on counterproductive work behavior with tenure as a moderator variable. This research using a purposive sampling technique and took 100 employees of BCA Syariah Bank by distributing questionnaires. The data obtained were analyzed using SmartPLS 3.3. The results of this research are work family conflict, and work stress has a positive effect on counterproductive work behavior, while turnover intention has a negative effect on counterproductive work behavior. The employees who want to resign will maintain their attitude by acting permanently or more productively than usual. The excuse is that employees avoid the penalties and keeps a good track record. In addition, tenure moderates the effect of work-family conflict on counterproductive work behavior.
{"title":"Working Period As A Moderating Variable Of Work Family Conflict, Work Stress, And Turnover Intention On Contraproductive Work Behavior (Case Study On Bca Syariah)","authors":"Dewi Amalia, Muhammad Zakiy","doi":"10.21070/perisai.v5i2.1363","DOIUrl":"https://doi.org/10.21070/perisai.v5i2.1363","url":null,"abstract":"Counterproductive work behavior has caused a lot of harm to the organization and employees, both directly and indirectly. This research aims to determine the effect of work-family conflict, work stress and turnover intention on counterproductive work behavior with tenure as a moderator variable. This research using a purposive sampling technique and took 100 employees of BCA Syariah Bank by distributing questionnaires. The data obtained were analyzed using SmartPLS 3.3. The results of this research are work family conflict, and work stress has a positive effect on counterproductive work behavior, while turnover intention has a negative effect on counterproductive work behavior. The employees who want to resign will maintain their attitude by acting permanently or more productively than usual. The excuse is that employees avoid the penalties and keeps a good track record. In addition, tenure moderates the effect of work-family conflict on counterproductive work behavior.","PeriodicalId":206226,"journal":{"name":"Perisai : Islamic Banking and Finance Journal","volume":"40 1","pages":"0"},"PeriodicalIF":0.0,"publicationDate":"2021-10-16","publicationTypes":"Journal Article","fieldsOfStudy":null,"isOpenAccess":false,"openAccessPdf":"","citationCount":null,"resultStr":null,"platform":"Semanticscholar","paperid":"123729896","PeriodicalName":null,"FirstCategoryId":null,"ListUrlMain":null,"RegionNum":0,"RegionCategory":"","ArticlePicture":[],"TitleCN":null,"AbstractTextCN":null,"PMCID":"","EPubDate":null,"PubModel":null,"JCR":null,"JCRName":null,"Score":null,"Total":0}
Pub Date : 2021-10-16DOI: 10.21070/perisai.v5i2.1531
Alvan Fathony, Ahmad Nur Bustomi
The house is one of the needs that must be fulfilled by humans, the need for housing in Indonesia is increasing every year in line with the high population growth. Based on a letter issued by the finance minister regarding the home ownership loan program, many residential property business developers offer home services in an effort to meet the need for housing. Then came the conventional mortgages and sharia mortgages. Sharia mortgages are schemes that continue to develop and attract public interest with their sharia transaction systems, either with a Murabaha or Isthisna 'contract. This study aims to find out how the practice of istishna contract is applied by the developer of PT Samawa Property Group. This type of research is descriptive qualitative research with exposure related to solving existing problems. The results of this study indicate that the contract used is the istishna contract which is able to meet the needs of the community for houses without riba transactions, clear price transparency, no fines or confiscation so that it is mutually beneficial and able to improve the welfare of the community.
{"title":"The Implementasi Akad Isthisna’ Tanpa Bank Dalam Memenangkan Persaingan Bisnis Property (Studi Kasus di PT Samawa Proper","authors":"Alvan Fathony, Ahmad Nur Bustomi","doi":"10.21070/perisai.v5i2.1531","DOIUrl":"https://doi.org/10.21070/perisai.v5i2.1531","url":null,"abstract":"The house is one of the needs that must be fulfilled by humans, the need for housing in Indonesia is increasing every year in line with the high population growth. Based on a letter issued by the finance minister regarding the home ownership loan program, many residential property business developers offer home services in an effort to meet the need for housing. Then came the conventional mortgages and sharia mortgages. Sharia mortgages are schemes that continue to develop and attract public interest with their sharia transaction systems, either with a Murabaha or Isthisna 'contract. This study aims to find out how the practice of istishna contract is applied by the developer of PT Samawa Property Group. This type of research is descriptive qualitative research with exposure related to solving existing problems. The results of this study indicate that the contract used is the istishna contract which is able to meet the needs of the community for houses without riba transactions, clear price transparency, no fines or confiscation so that it is mutually beneficial and able to improve the welfare of the community.","PeriodicalId":206226,"journal":{"name":"Perisai : Islamic Banking and Finance Journal","volume":"6 6","pages":"0"},"PeriodicalIF":0.0,"publicationDate":"2021-10-16","publicationTypes":"Journal Article","fieldsOfStudy":null,"isOpenAccess":false,"openAccessPdf":"","citationCount":null,"resultStr":null,"platform":"Semanticscholar","paperid":"114033603","PeriodicalName":null,"FirstCategoryId":null,"ListUrlMain":null,"RegionNum":0,"RegionCategory":"","ArticlePicture":[],"TitleCN":null,"AbstractTextCN":null,"PMCID":"","EPubDate":null,"PubModel":null,"JCR":null,"JCRName":null,"Score":null,"Total":0}
Pub Date : 2021-10-16DOI: 10.21070/perisai.v5i2.1429
Ferry Khusnul Mubarok
Poverty is still a problem, especially in realizing prosperity. Many programs are carried out to alleviate poverty, one of which is the empowerment program carried out by Islamic microfinance institutions. This study aims to identify the effect of empowerment contracts on people's welfare. This study uses a quantitative approach. This study uses primary data obtained from interviews, observation, documentation. The data analysis technique used a regression approach. The results and discussion showed that the empowerment contract which included the qardhul hasan and musyarakah contracts had a significant effect on customers' income. Thus, empowerment through the qardhul hasan and musyarakah contract schemes can be developed to realize the welfare of the people.
{"title":"Analisis Dampak Program Pemberdayaan Terhadap Kesejahteraan Umat","authors":"Ferry Khusnul Mubarok","doi":"10.21070/perisai.v5i2.1429","DOIUrl":"https://doi.org/10.21070/perisai.v5i2.1429","url":null,"abstract":"Poverty is still a problem, especially in realizing prosperity. Many programs are carried out to alleviate poverty, one of which is the empowerment program carried out by Islamic microfinance institutions. This study aims to identify the effect of empowerment contracts on people's welfare. This study uses a quantitative approach. This study uses primary data obtained from interviews, observation, documentation. The data analysis technique used a regression approach. The results and discussion showed that the empowerment contract which included the qardhul hasan and musyarakah contracts had a significant effect on customers' income. Thus, empowerment through the qardhul hasan and musyarakah contract schemes can be developed to realize the welfare of the people.","PeriodicalId":206226,"journal":{"name":"Perisai : Islamic Banking and Finance Journal","volume":"141 1","pages":"0"},"PeriodicalIF":0.0,"publicationDate":"2021-10-16","publicationTypes":"Journal Article","fieldsOfStudy":null,"isOpenAccess":false,"openAccessPdf":"","citationCount":null,"resultStr":null,"platform":"Semanticscholar","paperid":"127554179","PeriodicalName":null,"FirstCategoryId":null,"ListUrlMain":null,"RegionNum":0,"RegionCategory":"","ArticlePicture":[],"TitleCN":null,"AbstractTextCN":null,"PMCID":"","EPubDate":null,"PubModel":null,"JCR":null,"JCRName":null,"Score":null,"Total":0}
Pub Date : 2021-10-14DOI: 10.21070/perisai.v5i2.1508
Erwan Aristyanto, Allen Pranata Putra, Riduwan
Penelitian ini bertujuan untuk menguji dan menganalisis pengaruh religiusitas, pelayanan, tarif premi terhadap kepuasan nasabah dengan minat berasuransi syariah sebagai variabel intervening di Asuransi XYZ Syariah Cabang Surabaya. Penelitian ini merupakan penelitian eksplanatori dengan pendekatan kuantitatif. Populasi dalam penelitian ini adalah nasabah yang bergabung di perusahaan asuransi XYZ Syariah Cabang Surabaya. Sampel diambil dengan menggunakan teknik accidental sampling dengan kriteria (1) masyarakat yang sudah menjadi nasabah asuransi syariah , dan (2) berusia 17 – 50 tahun sebanyak 100 responden. Analisis data menggunakan PLS dengan program SmartPLS 3.2.8.Hasil penelitian ini menunjukkan bahwa (1) Religiusitas berpengaruh positif dan signifikan terhadap minat nasabah berasuransi, (2) Pelayanan berpengaruh positif dan signifikan terhadap minat nasabah berasuransi, (3) Tarif premi berpengaruh positif dan signifikan terhadap minat nasabah berasuransi, (4) Religiusitas berpengaruh negatif dan tidak signifikan terhadap kepuasan nasabah, (5) Pelayanan berpengaruh positif dan signifikan terhadap kepuasan nasabah
{"title":"Pengaruh Religiusitas, Pelayanan dan Tarif Premi terhadap Kepuasan Nasabah Asuransi Syariah dengan Minat Berasuransi Syariah Sebagai Variabel Intervening di Perusahaan Asuransi Syariah Cabang Surabaya","authors":"Erwan Aristyanto, Allen Pranata Putra, Riduwan","doi":"10.21070/perisai.v5i2.1508","DOIUrl":"https://doi.org/10.21070/perisai.v5i2.1508","url":null,"abstract":"Penelitian ini bertujuan untuk menguji dan menganalisis pengaruh religiusitas, pelayanan, tarif premi terhadap kepuasan nasabah dengan minat berasuransi syariah sebagai variabel intervening di Asuransi XYZ Syariah Cabang Surabaya. Penelitian ini merupakan penelitian eksplanatori dengan pendekatan kuantitatif. Populasi dalam penelitian ini adalah nasabah yang bergabung di perusahaan asuransi XYZ Syariah Cabang Surabaya. Sampel diambil dengan menggunakan teknik accidental sampling dengan kriteria (1) masyarakat yang sudah menjadi nasabah asuransi syariah , dan (2) berusia 17 – 50 tahun sebanyak 100 responden. Analisis data menggunakan PLS dengan program SmartPLS 3.2.8.Hasil penelitian ini menunjukkan bahwa (1) Religiusitas berpengaruh positif dan signifikan terhadap minat nasabah berasuransi, (2) Pelayanan berpengaruh positif dan signifikan terhadap minat nasabah berasuransi, (3) Tarif premi berpengaruh positif dan signifikan terhadap minat nasabah berasuransi, (4) Religiusitas berpengaruh negatif dan tidak signifikan terhadap kepuasan nasabah, (5) Pelayanan berpengaruh positif dan signifikan terhadap kepuasan nasabah","PeriodicalId":206226,"journal":{"name":"Perisai : Islamic Banking and Finance Journal","volume":"3 1","pages":"0"},"PeriodicalIF":0.0,"publicationDate":"2021-10-14","publicationTypes":"Journal Article","fieldsOfStudy":null,"isOpenAccess":false,"openAccessPdf":"","citationCount":null,"resultStr":null,"platform":"Semanticscholar","paperid":"121338856","PeriodicalName":null,"FirstCategoryId":null,"ListUrlMain":null,"RegionNum":0,"RegionCategory":"","ArticlePicture":[],"TitleCN":null,"AbstractTextCN":null,"PMCID":"","EPubDate":null,"PubModel":null,"JCR":null,"JCRName":null,"Score":null,"Total":0}
Pub Date : 2021-10-08DOI: 10.21070/perisai.v5i2.1533
S. Asiyah, Hariri Hariri
This study aims to examine more deeply consumer behavior based on religiosity and halal awareness owned by Muslimah lecturers in Malang.This study uses a phenomenological study which aims to examine more deeply the personal experiences of Muslimah lecturers in purchasing products, especially halal cosmetic products. Phenomenological studies based on this aspect of religiosity and halal awareness are still rarely carried out. So that by doing this research, it will add to the knowledge base, especially in the field of consumer behavior.The focus of the problems that will be examined in this research is the first; is how the informants interpret the aspect of religiosity they have in influencing their consumption behavior towards halal products and the second; is how the relationship between religiosity and halal awareness owned by the informants, so that this will add to the treasures of scientific development, especially consumer behavior based on the aspect of religiosity. The results of the study show: First) The aspect of religiosity in the eyes of Muslim lecturers is interpreted as a form of "commitment" to their faith, so that the aspect of religiosity is the main consideration in the purchase/choice of halal cosmetics. Second) Religiosity and halal awareness have a close relationship, this is evidenced by the tendency of Muslim lecturers to prefer halal cosmetics over non-halal cosmetics. These results indicate that the higher the religiosity of the informants, the higher the level of halal awareness owned by Muslim lecturers in Malang.
{"title":"Perilaku Konsumen Berdasarkan Religiusitas","authors":"S. Asiyah, Hariri Hariri","doi":"10.21070/perisai.v5i2.1533","DOIUrl":"https://doi.org/10.21070/perisai.v5i2.1533","url":null,"abstract":"This study aims to examine more deeply consumer behavior based on religiosity and halal awareness owned by Muslimah lecturers in Malang.This study uses a phenomenological study which aims to examine more deeply the personal experiences of Muslimah lecturers in purchasing products, especially halal cosmetic products. Phenomenological studies based on this aspect of religiosity and halal awareness are still rarely carried out. So that by doing this research, it will add to the knowledge base, especially in the field of consumer behavior.The focus of the problems that will be examined in this research is the first; is how the informants interpret the aspect of religiosity they have in influencing their consumption behavior towards halal products and the second; is how the relationship between religiosity and halal awareness owned by the informants, so that this will add to the treasures of scientific development, especially consumer behavior based on the aspect of religiosity. The results of the study show: First) The aspect of religiosity in the eyes of Muslim lecturers is interpreted as a form of \"commitment\" to their faith, so that the aspect of religiosity is the main consideration in the purchase/choice of halal cosmetics. Second) Religiosity and halal awareness have a close relationship, this is evidenced by the tendency of Muslim lecturers to prefer halal cosmetics over non-halal cosmetics. These results indicate that the higher the religiosity of the informants, the higher the level of halal awareness owned by Muslim lecturers in Malang.","PeriodicalId":206226,"journal":{"name":"Perisai : Islamic Banking and Finance Journal","volume":"74 5","pages":"0"},"PeriodicalIF":0.0,"publicationDate":"2021-10-08","publicationTypes":"Journal Article","fieldsOfStudy":null,"isOpenAccess":false,"openAccessPdf":"","citationCount":null,"resultStr":null,"platform":"Semanticscholar","paperid":"120813069","PeriodicalName":null,"FirstCategoryId":null,"ListUrlMain":null,"RegionNum":0,"RegionCategory":"","ArticlePicture":[],"TitleCN":null,"AbstractTextCN":null,"PMCID":"","EPubDate":null,"PubModel":null,"JCR":null,"JCRName":null,"Score":null,"Total":0}
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