AICOS: Asian Journal Of Islamic Economic Studies

THE INFLUENCE OF FINANCIAL LITERACY AND RELIGIOSITY ON THE CONSUMPTIVE BEHAVIOR OF SHARIA ECONOMICS STUDENTS OF KERINCI STATE ISLAMIC INSTITUTE

Selia Anggraini, Dafiar Syarif, Bustami Bustami — Thu, 11 Jul 2024 00:00:00 +0000

This research aims to determine the influence of literacy and religiosity on the consumptive behavior of sharia economics students. The type of research used is quantitative research. The sample used a random sampling technique with a sample size of 80 people. Testing uses Multiple Linear Regression Analysis. The results show that financial literacy has a significant influence on consumer behavior. Religiosity has a significant influence on consumer behavior. Financial literacy and religiosity have a simultaneous influence on the consumptive behavior variable of sharia economics students at IAIN Kerinci. From the results of the F test, the significance value obtained from the F test for variable Y was 0.000 < 0.05, and the Fcount and Ftable values were 14,180 > 3.12. From the results of the R Square test, the coefficient of determination was obtained, namely 0.269, which means that the independent variables, namely financial literacy and religiosity, were influenced by the dependent variable, namely the consumptive behavior of sharia economics students at IAIN Kerinci, amounting to 0.269 or 26.9%. The remainder was 0.741 or 74.1%. which is influenced by other variables not examined in this research.

CONTRIBUTION OF KNOWLEDGE AND RELIGIOSITY TO INCREASE THE NUMBER OF CUSTOMERS AT ISLAMIC BANK

Dayang Dwi Wahyuni, Dina Sentika, Aura Salsabila — Thu, 11 Jul 2024 00:00:00 +0000

This research was motivated by the use of conventional banks, which are more dominant than Islamic banks in Tapan. The purpose of this study is to determine the influence of the level of knowledge and religiosity on customer interest in choosing savings products at Bank Nagari Sharia Unit Tapan Branch. This research uses a quantitative research design. The population in this study is all people who use the Bank Nagari Sharia Unit Tapan Branch. Samples were taken using the Hair formula with a total sample of 55 people. The data analysis technique uses multiple linear regression analysis with the help of SPSS version 21. The results showed that partially and simultaneously, the variables of Knowledge and Religiosity had a significant and positive effect on interest in saving. This result can provide an overview to the bank to pay attention to the level of knowledge and religiosity of customers so that the number of customers increases. Some of them are by providing understanding to the public related to aspects of Sharia that must be considered.

STUDENTS' PERCEPTION OF SIPINTAR SAVINGS PRODUCTS (STUDENT EDUCATION SAVINGS) AT BANK KERINCI

Dela Mi Iswari, Yuserizal Bustami, Desiana Desiana, Zahaqi Melani — Tue, 09 Jul 2024 00:00:00 +0000

SIPINTAR savings product is a savings product issued by Bank Kerinci specifically for students. This study aims to determine the system and procedure of SIPINTAR savings products and students' perceptions of SIPINTAR savings products at Bank Kerinci. The type of research used is descriptive quantitative research with a survey approach. The number of samples in this study was 76 respondents who were students of SMPN 1 Kerinci. The data was analyzed using perceptual analysis with the help of SPSS version 23. The results showed that SIPINTAR savings procedures consist of 3, namely account opening, deposit, and withdrawal; two service systems are coming directly to the office and shuttle services. Students' knowledge of SIPINTAR savings products is adequate; this is shown by students' responses to statements in the questionnaire that predominantly voted strongly agree and agree

THE INFLUENCE OF LOCATION AND BRAND IMAGE ON STUDENTS' INTEREST IN TRANSACTING AT BANK RAKYAT INDONESIA SUNGAI PENUH BRANCH OFFICE

Nita Nursitha, Darti Busni, Halim Halim — Thu, 11 Jul 2024 00:00:00 +0000

This study intends to investigate the extent of the influence of location and brand image on students' interest in transacting at BRI Kanca Sungai Penuh. The research found that location positively and significantly influenced students' interest in transacting. This contrasts with the brand image, which has no effect on students' transaction interest. However, location and brand image have a positive and significant impact on student interest in transacting, with location being the most influential variable affecting student interest in transacting at BRI Kanca Sungai Penuh. After considering the study's findings, it's clear that the brand image has a relatively low impact on students' willingness to transact. Before using a company's products, students should acknowledge the company's brand image, especially consumer and service firms. This is attributable to the fact that a company's image reflects the quality of its products.

THE INFLUENCE OF POCKET MONEY AND LIFESTYLE ON THE INTEREST IN SAVING FOR STUDENTS OF THE FACULTY OF ISLAMIC ECONOMICS AND BUSINESS IAIN KERINCI

Piari Yuliandari, Syukrawati Syukrawati, Tiara Tiara — Thu, 11 Jul 2024 00:00:00 +0000

This study aims to determine the effect of Pocket Money and Lifestyle both simultaneously and partially on the interest in saving for students of the Faculty of Economics and Islamic Business IAIN Kerinci. This type of research is descriptive quantitative research. The population in this study is Febi IAIN Kerinci students majoring in Sharia Banking. The sample was determined using purposive sampling techniques, so that the respondents of this study amounted to 77 students. Data were collected using questionnaires. As for the data analysis technique using multiple linear regression analysis with the help of the SPSS program version 23. The results showed that both partially and simultaneously pocket money and lifestyle had a significant effect on the interest in saving for students of the Faculty of Economics and Islamic Business IAIN Kerinci.

Keywords: Lifestyle; Interest in Saving; Student Pocket Money

THE INFLUENCE OF PRODUCT EXCELLENCE AND SERVICE QUALITY ON CUSTOMER SATISFACTION AT PT. BANK 9 JAMBI SUNGAI PENUH CITY BRANCH

Veni Rahayu Putri, Yudesman Yudesman, Zul Ihsan Muarrif — Thu, 11 Jul 2024 00:00:00 +0000

This study aims to determine the effect of product excellence and service quality on customer satisfaction at Bank 9 Jambi Sungai Penuh Branch. This research includes quantitative research, which can be interpreted as a method used to examine specific populations and samples. The number of samples used in this study was 30 people. The data in this study were obtained by distributing questionnaires or research questionnaires to customers at Bank 9 Jambi Sungai Penuh Branch. The results of this study indicate that product excellence and service quality have a positive and significant simultaneous (equally) effect on customer satisfaction at Bank 9 Jambi Branch Sungai Penuh. The findings partially show that product superiority has a positive and significant impact on customer satisfaction at Bank 9 Jambi Penuh Branch, and service quality has a positive and significant effect on customer satisfaction at Bank 9 Jambi Sungai Penuh Branch.

ANALYSIS OF THE EFFECT OF RETURN ON ASSET (ROA), OPERATIONAL COSTS AND OPERATING INCOME (BOPO) ON MUDHARABAH PROFIT SHARING IN SHARIA GENERAL TIRES FOR THE 2015-2020 PERIOD

Dedek Tika Enggal Saputri, Wiyan Mailindra, Eva Sumanti — Thu, 11 Jul 2024 00:00:00 +0000

This study aims to determine the retrun on asset (ROA) and operational costs and operating income (BOPO) on the profit sharing of mudharabah in Islamic commercial banks in Indonesia. The population uset in the study were 30 banks listed on the IDX and the total sample used 7 banks. In determining the sample, it uses random sampling with the criteria of Islamic banks that issue complete financial statement from 2015-2020. The analysis technique in this research is multiple analysis technique in order to get a comprehensiv picture between the relationship between one variable and another variable. In addition, the hypothesis test used is the t-test and f-test. Classical assision test which includes normality test, multicolinearity tets, heteroscedasticity test and autoccorelation tets were also used in this study. The results in this study show that the retrun on asset does not significantly affect the profit sharing of mudharabah, while operating costs and operating income also have no significant effect on the profit sharing of mudharabah.

Keywords: Mudharabah Profit Sharing; Operating Costs; Operating Income; Retrun On Asset