This study aims to determine customer perceptions of service quality and products of Kaltimtara Sharia Bank Samarinda Branch. This type of research is field research. The nature of this study is qualitative descriptive by using interviews and questionnaires as data collection techniques. The population in this study are all priority customers of Samarinda Bank Kaltimtara Syariah Branch, amounting to 300 customers, using purposive techniques. sampling, the research sample was 75 respondents and interviews with related parties. The results showed that customer perceptions of service quality and products at Bankaltimtara Syariah Samarinda branch were measured using the CARTER dimension (Compliance, Assurance, Reliability, Tangibles, Emphaty, and Responsiveness). Whereas for products measured through 6 dimensions which include Performance, Features, Realiability, Durability, Conformance to specifications and aesthethic shows positive results which are very good but the things that need to be considered are regarding the need for additional park land specialized and financial consultations to meet priority customer needs. This is in line with the results of interviews with relevant parties that indicate the quality or quality of services and products that are sharia standard and in accordance with the vision and mission of Bankaltimtara Syariah.
本研究旨在确定客户对Kaltimtara Sharia银行Samarinda分行服务质量和产品的看法。这种类型的研究是实地研究。本研究的性质是定性描述，采用访谈和问卷作为数据收集技术。本研究中的人群都是Samarinda Bank Kaltimtara Syariah分行的优先客户，共有300名客户，使用了有目的的技术。抽样，研究样本为75名受访者和相关方访谈。结果显示，Bankaltimtara Syariah Samarinda分行的客户对服务质量和产品的感知是使用CARTER维度（合规性、保证性、可靠性、有形资产、Emphaty和响应性）来衡量的。然而，对于通过6个维度测量的产品，包括性能、特征、真实性、耐用性、符合规范和美学，显示出了非常好的积极结果，但需要考虑的是是否需要额外的公园土地专业和财务咨询，以满足客户的优先需求。这符合对相关方的采访结果，这些采访表明服务和产品的质量或质量符合伊斯兰教法标准，符合伊斯兰银行的愿景和使命。
{"title":"Persepsi Nasabah Tentang Mutu Pelayanan Dan Produk Bankaltimtara Syariah Cabang Samarinda","authors":"Irma Yuliani","doi":"10.21093/at.v4i1.1291","DOIUrl":"https://doi.org/10.21093/at.v4i1.1291","url":null,"abstract":"This study aims to determine customer perceptions of service quality and products of Kaltimtara Sharia Bank Samarinda Branch. This type of research is field research. The nature of this study is qualitative descriptive by using interviews and questionnaires as data collection techniques. The population in this study are all priority customers of Samarinda Bank Kaltimtara Syariah Branch, amounting to 300 customers, using purposive techniques. sampling, the research sample was 75 respondents and interviews with related parties. The results showed that customer perceptions of service quality and products at Bankaltimtara Syariah Samarinda branch were measured using the CARTER dimension (Compliance, Assurance, Reliability, Tangibles, Emphaty, and Responsiveness). Whereas for products measured through 6 dimensions which include Performance, Features, Realiability, Durability, Conformance to specifications and aesthethic shows positive results which are very good but the things that need to be considered are regarding the need for additional park land specialized and financial consultations to meet priority customer needs. This is in line with the results of interviews with relevant parties that indicate the quality or quality of services and products that are sharia standard and in accordance with the vision and mission of Bankaltimtara Syariah.","PeriodicalId":31300,"journal":{"name":"Altijary","volume":" ","pages":""},"PeriodicalIF":0.0,"publicationDate":"2018-12-31","publicationTypes":"Journal Article","fieldsOfStudy":null,"isOpenAccess":false,"openAccessPdf":"","citationCount":null,"resultStr":null,"platform":"Semanticscholar","paperid":"45514805","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}
This study aims to determine the level of efficiency of Islamic banks after the spin off during the period of 2011-2016. To measure the performance, Two-Stage Data Analysis Envelopment (DEA) is used. The first step of this method is measuring efficiency performance of Islamic banks using DEA method with CRS assumption. The second step estimating factors affecting the efficiency performance using Tobit regression model. The determination of input and output variables in this study uses intermediation approaches. Input variable consists of Fix assets, Third Party Fund (DPK) and Operating Expenses, while the output variable consists of Total financing and Operating Income. The results of the research shows the level of efficiency of BNI Syariah during the 2011-2016 period is still not efficient with 99%, while the level of efficiency of BJB Syariah from 2011 to 2016 is 98%. The result of Tobit regression model showed that Total assets and ROA has a positive and significant to the level of efficiency of BNI Syariah , while the coefficient of FDR and NPF are not significant influence. Furthermore, that influence the level of efficiency of BJB Syariah is total assets, while the coefficient of ROA, FDR and NPF are not significant influence.
{"title":"Tingkat Efisiensi Perbankan Syariah Pasca Spin Off Dengan Metode Two-Stage Data Envelopment Analysis","authors":"Sallsa Khairunnisa","doi":"10.21093/at.v4i1.1236","DOIUrl":"https://doi.org/10.21093/at.v4i1.1236","url":null,"abstract":"This study aims to determine the level of efficiency of Islamic banks after the spin off during the period of 2011-2016. To measure the performance, Two-Stage Data Analysis Envelopment (DEA) is used. The first step of this method is measuring efficiency performance of Islamic banks using DEA method with CRS assumption. The second step estimating factors affecting the efficiency performance using Tobit regression model. The determination of input and output variables in this study uses intermediation approaches. Input variable consists of Fix assets, Third Party Fund (DPK) and Operating Expenses, while the output variable consists of Total financing and Operating Income. The results of the research shows the level of efficiency of BNI Syariah during the 2011-2016 period is still not efficient with 99%, while the level of efficiency of BJB Syariah from 2011 to 2016 is 98%. The result of Tobit regression model showed that Total assets and ROA has a positive and significant to the level of efficiency of BNI Syariah , while the coefficient of FDR and NPF are not significant influence. Furthermore, that influence the level of efficiency of BJB Syariah is total assets, while the coefficient of ROA, FDR and NPF are not significant influence.","PeriodicalId":31300,"journal":{"name":"Altijary","volume":" ","pages":""},"PeriodicalIF":0.0,"publicationDate":"2018-12-31","publicationTypes":"Journal Article","fieldsOfStudy":null,"isOpenAccess":false,"openAccessPdf":"","citationCount":null,"resultStr":null,"platform":"Semanticscholar","paperid":"48141692","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}
This research aims to find out how much religious understanding, Islamic work ethic, discipline, responsibility, and education affect the professionalism of performance in sharia insurance employees in Samarinda City. The research method used in this study is quantitative research, with a population of 16 respondents from 3 Islamic insurance companies in Samarinda and all employees became respondents. The data instruments used in this study are validity test with product moment correlation formula, reliability test, classic assumption test, with analysis of multiple linear regression test data, partial test (t test), and f test, where to see the effect that occurs between variables free, religious understanding, Islamic work ethic, discipline, responsibility, and education (X) with dependent variable on employee performance (Y). The results of this study indicate data analysis, religious understanding variables, Islamic work ethic, and education do not have a significant effect on the professionalism of employee performance. While the discipline and responsibility variables have a significant influence on the professionalism of employee performance. Then the variables of religious understanding, Islamic work ethic, discipline, responsibility, and education together (simultaneously) have a significant effect on the professionalism of employee performance.
{"title":"Pengaruh Pemahaman Keagamaan, Etos Kerja Islam, Kedisiplinan, Tanggung Jawab, dan Pendidikan Terhadap Profesionalitas Kinerja Karyawan Pada Perusahaan Asuransi Syariah Di Kota Samarinda","authors":"Khairul Rizal, P. Parno, Kokom Komariyah","doi":"10.21093/at.v4i1.1311","DOIUrl":"https://doi.org/10.21093/at.v4i1.1311","url":null,"abstract":"This research aims to find out how much religious understanding, Islamic work ethic, discipline, responsibility, and education affect the professionalism of performance in sharia insurance employees in Samarinda City. The research method used in this study is quantitative research, with a population of 16 respondents from 3 Islamic insurance companies in Samarinda and all employees became respondents. The data instruments used in this study are validity test with product moment correlation formula, reliability test, classic assumption test, with analysis of multiple linear regression test data, partial test (t test), and f test, where to see the effect that occurs between variables free, religious understanding, Islamic work ethic, discipline, responsibility, and education (X) with dependent variable on employee performance (Y). The results of this study indicate data analysis, religious understanding variables, Islamic work ethic, and education do not have a significant effect on the professionalism of employee performance. While the discipline and responsibility variables have a significant influence on the professionalism of employee performance. Then the variables of religious understanding, Islamic work ethic, discipline, responsibility, and education together (simultaneously) have a significant effect on the professionalism of employee performance.","PeriodicalId":31300,"journal":{"name":"Altijary","volume":" ","pages":""},"PeriodicalIF":0.0,"publicationDate":"2018-12-31","publicationTypes":"Journal Article","fieldsOfStudy":null,"isOpenAccess":false,"openAccessPdf":"","citationCount":null,"resultStr":null,"platform":"Semanticscholar","paperid":"44964023","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}
Penelitian ini bertujuan untuk menganalisis factor-faktor yang mempengaruhi kinerja karyawan, studi pada BMT Hasanah Ponorogo. Penelitian ini penting mengingat kinerja organisasi atau lembaga sangat dipengaruhi oleh kinerja karyawan, oleh sebab itu apabila kinerja organisasi ingin diperbaiki maka kinerja karyawan perlu diperhatikan. Kinerja yang baik dipengaruhi oleh salah satu faktor yaitu motivasi kerja. Meskipun kemampuan pegawai sangat baik apabila motivasi kerjanya rendah, tentu kinerjanya rendah pula. Pada observasi awal, didapatkan data bahwa loyalitas karyawan BMT Hasanah cukup tinggi meskipun reward yang didapat kurang sesuai dengan UMK, untuk itulah penelitian ini menguji dan membuktikan suatu temuan yang berbeda dengan teori hirarki kebutuhan, teori ERG serta teori dua factor. Penelitian ini menggunakan metode kuantitatif, tehnik pengumpulan data dengan kuesioner dan dokumentasi. Analisa data melalui Analisis jalur (path analysis) dengan bantuan perangkat lunak SPSS 16.0 for windows. Dari penelitian ini dapat disimpulkan bahwa lingkungan kerja terhadap motivasi tidak terdapat pengaruh langsung secara positif, namun diantara keduanya saling berhubungan. Terbukti dengan analisis regresi berdasarkan uji T didapat nilai T hitung sebesar 0,723 0,05. Motivasi terhadap kinerja karyawan tidak terdapat pengaruh langsung secara positif, namun keduanya saling berhubungan. Terbukti dengan analisis regresi berdasarkan uji T didapat nilai T hitung sebesar 1,932 0,05.
本研究旨在分析影响员工绩效的因素，研究BMT Hasanah Ponorogo。鉴于组织或机构的绩效在很大程度上受到员工绩效的影响，这项研究很重要，因此当要提高组织的绩效时，需要观察员工的绩效。一个好的员工受到激励工作的因素之一的影响。即使当员工的积极性低时，他的能力很好，但他的表现肯定很低。在最初的观察中，发现BMT Hasanah员工的忠诚度相当高，即使奖励与UMK不一致，因此本研究用必要性层次理论、ERG理论和两因素理论检验并证明了不同的发现。本研究采用了定量方法、数据收集技术以及衔接和文献资料。使用SPSS 16.0 for windows软件进行通径分析。从这项研究可以得出结论，反对动机的工作环境没有任何直接的积极影响，但它们之间是相互联系的。通过基于测试T的回归分析证明，计数T值为0.723 0.05。员工绩效的动机不是直接积极的，但两者是相互关联的。通过基于测试T的回归分析证明，获得了1932 0.05的T值。
{"title":"ANALISIS FAKTOR-FAKTOR YANG MEMPENGARUHI KINERJA KARYAWAN DI BMT HASANAH PONOROGO","authors":"Shinta Maharani, Susi Rahayu Anggarani","doi":"10.21093/at.v3i2.1079","DOIUrl":"https://doi.org/10.21093/at.v3i2.1079","url":null,"abstract":"Penelitian ini bertujuan untuk menganalisis factor-faktor yang mempengaruhi kinerja karyawan, studi pada BMT Hasanah Ponorogo. Penelitian ini penting mengingat kinerja organisasi atau lembaga sangat dipengaruhi oleh kinerja karyawan, oleh sebab itu apabila kinerja organisasi ingin diperbaiki maka kinerja karyawan perlu diperhatikan. Kinerja yang baik dipengaruhi oleh salah satu faktor yaitu motivasi kerja. Meskipun kemampuan pegawai sangat baik apabila motivasi kerjanya rendah, tentu kinerjanya rendah pula. Pada observasi awal, didapatkan data bahwa loyalitas karyawan BMT Hasanah cukup tinggi meskipun reward yang didapat kurang sesuai dengan UMK, untuk itulah penelitian ini menguji dan membuktikan suatu temuan yang berbeda dengan teori hirarki kebutuhan, teori ERG serta teori dua factor. Penelitian ini menggunakan metode kuantitatif, tehnik pengumpulan data dengan kuesioner dan dokumentasi. Analisa data melalui Analisis jalur (path analysis) dengan bantuan perangkat lunak SPSS 16.0 for windows. Dari penelitian ini dapat disimpulkan bahwa lingkungan kerja terhadap motivasi tidak terdapat pengaruh langsung secara positif, namun diantara keduanya saling berhubungan. Terbukti dengan analisis regresi berdasarkan uji T didapat nilai T hitung sebesar 0,723 0,05. Motivasi terhadap kinerja karyawan tidak terdapat pengaruh langsung secara positif, namun keduanya saling berhubungan. Terbukti dengan analisis regresi berdasarkan uji T didapat nilai T hitung sebesar 1,932 0,05.","PeriodicalId":31300,"journal":{"name":"Altijary","volume":" ","pages":""},"PeriodicalIF":0.0,"publicationDate":"2018-06-10","publicationTypes":"Journal Article","fieldsOfStudy":null,"isOpenAccess":false,"openAccessPdf":"","citationCount":null,"resultStr":null,"platform":"Semanticscholar","paperid":"49628787","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}
Electronic banking (E-Banking) adalah salah satu aktivitas perbankan yang dilakukan nasabahnya melalui fasilitas internet. Cara ini diciptakan oleh bank untuk melayani kebutuhan nasabah agar lebih nyaman bertransaksi dimanapun mereka berada. E-Banking memberikan kemudahan dan kenyamanan kepada nasabahnya dengan fasilitas pelayanan pembayaran melalui saluran elektronik, Seperti melalui transfer rekening dan auto debet. Cara ini cukup efektif dan efisien mengingat masyarakat semakin disibukkan dengan segala aktivitasnya Tujuan penelitian ini yaitu mengetahui sejauh mana daya tarik civitas akademika IAIN Samarinda dalam menggunakan E-Banking dan faktor dominan yang membuat civitas akademika IAIN Samarinda menggunakan E-Banking . Jenis penelitian dalam penelitian ini adalah jenis penelitian deskriptif, Sampel penelitian bersifat purposive sampling , jumlah sampel yang berhasil dihimpun yaitu 173 responden. Daya tarik penggunaan E-Banking di kalangan civitas akademika IAIN Samarinda, berdasarkan hasil jawaban identitas responden mayoritas menggunakan aplikasi ATM, hampir 120 responden yang menggunakannya. Sedangkan, pilihan bank sebesar 61% menggunakan bank konvensional. Frekuensi penggunaan aplikasi E-Banking 1-4 kali dalam sebulan dan mayoritas responden berumur 17-30 tahun. Enam variabel yang ada, tiga diantaranya yaitu Interaction , Accessibility , dan Adequacy of Indormation responden menjawab sangat setuju dan setuju dari pertanyaan yang diajukan. Faktor yang mendominasi daya tarik penggunaan E-Banking di kalangan civitas akademika IAIN Samarinda, yaitu pertama: Interaction sebesar 29%, kedua: Accessibility sebesar 27% dan ketiga: Adequacy of Indormation sebesar 13%. Dapat peneliti tarik kesimpulan, faktor dominan daya tarik penggunaan E-Banking di kalangan civitas akademika IAIN Samarinda dipengaruhi tiga aspek tersebut.
{"title":"Daya Tarik E-Banking di Kalangan Civitas Akademika Institut Agama Islam Negeri Samarinda","authors":"Angrum Pratiwi","doi":"10.21093/at.v3i2.1128","DOIUrl":"https://doi.org/10.21093/at.v3i2.1128","url":null,"abstract":"Electronic banking (E-Banking) adalah salah satu aktivitas perbankan yang dilakukan nasabahnya melalui fasilitas internet. Cara ini diciptakan oleh bank untuk melayani kebutuhan nasabah agar lebih nyaman bertransaksi dimanapun mereka berada. E-Banking memberikan kemudahan dan kenyamanan kepada nasabahnya dengan fasilitas pelayanan pembayaran melalui saluran elektronik, Seperti melalui transfer rekening dan auto debet. Cara ini cukup efektif dan efisien mengingat masyarakat semakin disibukkan dengan segala aktivitasnya Tujuan penelitian ini yaitu mengetahui sejauh mana daya tarik civitas akademika IAIN Samarinda dalam menggunakan E-Banking dan faktor dominan yang membuat civitas akademika IAIN Samarinda menggunakan E-Banking . Jenis penelitian dalam penelitian ini adalah jenis penelitian deskriptif, Sampel penelitian bersifat purposive sampling , jumlah sampel yang berhasil dihimpun yaitu 173 responden. Daya tarik penggunaan E-Banking di kalangan civitas akademika IAIN Samarinda, berdasarkan hasil jawaban identitas responden mayoritas menggunakan aplikasi ATM, hampir 120 responden yang menggunakannya. Sedangkan, pilihan bank sebesar 61% menggunakan bank konvensional. Frekuensi penggunaan aplikasi E-Banking 1-4 kali dalam sebulan dan mayoritas responden berumur 17-30 tahun. Enam variabel yang ada, tiga diantaranya yaitu Interaction , Accessibility , dan Adequacy of Indormation responden menjawab sangat setuju dan setuju dari pertanyaan yang diajukan. Faktor yang mendominasi daya tarik penggunaan E-Banking di kalangan civitas akademika IAIN Samarinda, yaitu pertama: Interaction sebesar 29%, kedua: Accessibility sebesar 27% dan ketiga: Adequacy of Indormation sebesar 13%. Dapat peneliti tarik kesimpulan, faktor dominan daya tarik penggunaan E-Banking di kalangan civitas akademika IAIN Samarinda dipengaruhi tiga aspek tersebut.","PeriodicalId":31300,"journal":{"name":"Altijary","volume":" ","pages":""},"PeriodicalIF":0.0,"publicationDate":"2018-06-10","publicationTypes":"Journal Article","fieldsOfStudy":null,"isOpenAccess":false,"openAccessPdf":"","citationCount":null,"resultStr":null,"platform":"Semanticscholar","paperid":"48935207","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}
Zakat mempunyai peranan penting dalam membantu Pengusaha Kecil mengembangkan usaha yang dimiliki untuk meningkatkan kesejahteraan hidup. Rumah Zakat Kota Samarinda adalah salah satu lembaga pengelola Zakat yang memberikan bantuan modal usaha yang diikuti dengan Pembinaan dan Pembinaan serta Pendampingan. Metode Penelitian ini adalah penelitian Kualitatif. Hasilnya menunjukkan bahwa Zakat mampu meningkatkan kesejahteraan Pengusaha Kecil dari segi lahiriah namun tidak dari segi rohaniah.
{"title":"Analisis Pengaruh Pendistribusian Zakat dan Pembinaan serta Pendampingan dalam Meningkatkan Kesejahteraan Pengusaha Kecil pada Rumah Zakat Kota Samarinda","authors":"Bonandar Bonandar","doi":"10.21093/AT.V3I2.1132","DOIUrl":"https://doi.org/10.21093/AT.V3I2.1132","url":null,"abstract":"Zakat mempunyai peranan penting dalam membantu Pengusaha Kecil mengembangkan usaha yang dimiliki untuk meningkatkan kesejahteraan hidup. Rumah Zakat Kota Samarinda adalah salah satu lembaga pengelola Zakat yang memberikan bantuan modal usaha yang diikuti dengan Pembinaan dan Pembinaan serta Pendampingan. Metode Penelitian ini adalah penelitian Kualitatif. Hasilnya menunjukkan bahwa Zakat mampu meningkatkan kesejahteraan Pengusaha Kecil dari segi lahiriah namun tidak dari segi rohaniah.","PeriodicalId":31300,"journal":{"name":"Altijary","volume":" ","pages":""},"PeriodicalIF":0.0,"publicationDate":"2018-06-10","publicationTypes":"Journal Article","fieldsOfStudy":null,"isOpenAccess":false,"openAccessPdf":"","citationCount":null,"resultStr":null,"platform":"Semanticscholar","paperid":"46624421","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}
This study examines the effect of diversification of financing based on type of contract, type of usage, and economic sector to the profitability at the Islamic bank. Diversification of financing proxied by Hirchman Herfindahl Index (HHI), and the profitability proxied by Return on Assets (ROA) was measured using the distribution of pre-tax profit to average total assets. This study uses secondary data obtained from the publication of the report the Financial Services Authority (OJK) in the period January 2013 to December 2017. The data analysis technique used in this research is multiple linear regression. The results of this study are partially diversification of financing based on type of contract does not affect the ROA at the Islamic bank, diversification of financing based on type of usage has a positive and significant effect to ROA at the Islamic bank., and diversification of financing based on economic sector has a negative and significant effect to ROA at the Islamic bank.. While simultaneously, the diversification of financing based on type of contract, type of usage, and economic sector influence on ROA at the Islamic bank. Keywords: Diversification of financing based of economic sector, type of contract, type of usage, Return on Asset (ROA)
{"title":"Diversifikasi Pembiayaan Sebagai Upaya Peningkatan Profitabilitas di Bank Syariah","authors":"Maulida Masruroh","doi":"10.21093/AT.V3I2.1102","DOIUrl":"https://doi.org/10.21093/AT.V3I2.1102","url":null,"abstract":"This study examines the effect of diversification of financing based on type of contract, type of usage, and economic sector to the profitability at the Islamic bank. Diversification of financing proxied by Hirchman Herfindahl Index (HHI), and the profitability proxied by Return on Assets (ROA) was measured using the distribution of pre-tax profit to average total assets. This study uses secondary data obtained from the publication of the report the Financial Services Authority (OJK) in the period January 2013 to December 2017. The data analysis technique used in this research is multiple linear regression. The results of this study are partially diversification of financing based on type of contract does not affect the ROA at the Islamic bank, diversification of financing based on type of usage has a positive and significant effect to ROA at the Islamic bank., and diversification of financing based on economic sector has a negative and significant effect to ROA at the Islamic bank.. While simultaneously, the diversification of financing based on type of contract, type of usage, and economic sector influence on ROA at the Islamic bank. Keywords: Diversification of financing based of economic sector, type of contract, type of usage, Return on Asset (ROA)","PeriodicalId":31300,"journal":{"name":"Altijary","volume":" ","pages":""},"PeriodicalIF":0.0,"publicationDate":"2018-06-01","publicationTypes":"Journal Article","fieldsOfStudy":null,"isOpenAccess":false,"openAccessPdf":"","citationCount":null,"resultStr":null,"platform":"Semanticscholar","paperid":"45176682","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}
Increasing customer satisfaction is a demand that must be implemented, because by increasing customer satisfaction then the existence of Islamic banking can be maintained. Although the level of competition sharia financial institutions are also getting tighter. One of the instruments that can increase customer satisfaction is the quality of banking services.This research is quantitative research which aims to know how big influence of service quality of bank to customer satisfaction at BTN Syariah Kc Surabaya. From the results of research conducted with independent variables of quality of banking services with indicators of physical evidence, reliability, responsiveness, assurance, empathy, sharia compliance. Through incidental sampling technique with 100 respondents and questionnaire distribution method can be concluded that the quality of banking services in BTN Syariah Kc Surabaya as a whole affects customer satisfaction.
{"title":"Pengaruh Kualitas Pelayanan Terhadap Kepuasan Nasabah Perbankan Syariah","authors":"Zulfikri Charis Darmawan, A. Ridlwan","doi":"10.21093/AT.V3I2.1096","DOIUrl":"https://doi.org/10.21093/AT.V3I2.1096","url":null,"abstract":"Increasing customer satisfaction is a demand that must be implemented, because by increasing customer satisfaction then the existence of Islamic banking can be maintained. Although the level of competition sharia financial institutions are also getting tighter. One of the instruments that can increase customer satisfaction is the quality of banking services.This research is quantitative research which aims to know how big influence of service quality of bank to customer satisfaction at BTN Syariah Kc Surabaya. From the results of research conducted with independent variables of quality of banking services with indicators of physical evidence, reliability, responsiveness, assurance, empathy, sharia compliance. Through incidental sampling technique with 100 respondents and questionnaire distribution method can be concluded that the quality of banking services in BTN Syariah Kc Surabaya as a whole affects customer satisfaction.","PeriodicalId":31300,"journal":{"name":"Altijary","volume":"1 1","pages":""},"PeriodicalIF":0.0,"publicationDate":"2018-06-01","publicationTypes":"Journal Article","fieldsOfStudy":null,"isOpenAccess":false,"openAccessPdf":"","citationCount":null,"resultStr":null,"platform":"Semanticscholar","paperid":"41873110","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}
The current shift in banking services is focused in banking technology. Similarly, this is also happening to sharia banking in Indonesia. Banking technology is one of the services that are favored by sharia banking in the competition to attract customers. M-Banking services is one of the products being offered by sharia banking technology, providing the costumer with the highest and newest developments in technology. This goes together with the increasing demand for easier procedures. The significant development of M-Banking services in sharia banking in Indonesia helps evaluating the customers' satisfaction with a specific product. Through M-Banking SWOT analysis, it is expected that the quality of banking services can be improved. This paper aims to analyze more deeply about the strengths, weaknesses, opportunities, and threats (SWOT) of M-Banking services of sharia banking in Indonesia. The strengths of M-Banking banking services are cost-effective, time-saving, attractive features, easy to operate, easy to download, interesting promo, Islamic content info. Weaknesses of M-Banking services in sharia banking are slow data access speed, insufficient Security , network limitations, the lack of accessibility and performance by all customers, and M-Banking functionality still under development process. The outstanding points of M-Banking of sharia banking are the development of performance, functionality and bandwidth of M-Banking server which have the potential to increase the number of customers. In conclusion, main challenges regarding M-Banking are the competition between banks, the relationship between the confidentiality of customer data and its possible misuse by employees or hackers, accessibility, effectiveness and efficiency of the product, as well as improvement of functionalities and performance of M-Banking service.
{"title":"Analytical Tools dan SWOT Analysis Penggunaan M-Banking Perbankan Syariah di Indonesia","authors":"Dedy Mainata","doi":"10.21093/at.v3i2.1131","DOIUrl":"https://doi.org/10.21093/at.v3i2.1131","url":null,"abstract":"The current shift in banking services is focused in banking technology. Similarly, this is also happening to sharia banking in Indonesia. Banking technology is one of the services that are favored by sharia banking in the competition to attract customers. M-Banking services is one of the products being offered by sharia banking technology, providing the costumer with the highest and newest developments in technology. This goes together with the increasing demand for easier procedures. The significant development of M-Banking services in sharia banking in Indonesia helps evaluating the customers' satisfaction with a specific product. Through M-Banking SWOT analysis, it is expected that the quality of banking services can be improved. This paper aims to analyze more deeply about the strengths, weaknesses, opportunities, and threats (SWOT) of M-Banking services of sharia banking in Indonesia. The strengths of M-Banking banking services are cost-effective, time-saving, attractive features, easy to operate, easy to download, interesting promo, Islamic content info. Weaknesses of M-Banking services in sharia banking are slow data access speed, insufficient Security , network limitations, the lack of accessibility and performance by all customers, and M-Banking functionality still under development process. The outstanding points of M-Banking of sharia banking are the development of performance, functionality and bandwidth of M-Banking server which have the potential to increase the number of customers. In conclusion, main challenges regarding M-Banking are the competition between banks, the relationship between the confidentiality of customer data and its possible misuse by employees or hackers, accessibility, effectiveness and efficiency of the product, as well as improvement of functionalities and performance of M-Banking service.","PeriodicalId":31300,"journal":{"name":"Altijary","volume":" ","pages":""},"PeriodicalIF":0.0,"publicationDate":"2018-06-01","publicationTypes":"Journal Article","fieldsOfStudy":null,"isOpenAccess":false,"openAccessPdf":"","citationCount":null,"resultStr":null,"platform":"Semanticscholar","paperid":"46169191","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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