Pengaruh Layanan dan Kemudahan Terhadap Keputusan Mengajukan Pembiayaan Ke Bank Nagari Syariah

ilham septian, Nil Firdaus, Dian Meliza — Sun, 21 Sep 2025 00:00:00 +0700

This study aims to analyze the influence of service quality and convenience on the decision of students from the Faculty of Islamic Economics and Business (FEBI) at UIN Mahmud Yunus Batusangkar to apply for financing at Islamic banks, using a case study of Islamic Banking students from the 2022–2023 cohort. This research is categorized as field research employing a quantitative approach. Data were collected through questionnaires distributed to respondents and analyzed using multiple linear regression to examine both partial and simultaneous effects of the independent variables on the dependent variable. The results indicate that the service variable (X1) has a significant effect on customer decisions (Y) in applying for financing at Islamic banks. This finding implies that the better the quality of services provided—such as staff friendliness, timeliness, and clarity of information—the higher the likelihood that students will decide to become financing customers. In contrast, the convenience variable (X2), which includes accessibility, digital services, and transaction efficiency, was found to have no significant partial effect on customer decisions. However, when tested simultaneously, both service (X1) and convenience (X2) were found to influence customer decisions, although the dominant contribution comes from the service variable. These findings highlight that service quality plays a more crucial role than convenience in shaping students’ financing decisions at Islamic banks. Therefore, Islamic banks are advised to continuously improve their service quality while also innovating in terms of accessibility and digital services as a long-term strategy to attract and retain customers.

Analysis of the IS-LM Balance in the Context of Monetary Policy and Fiscal Policy

Nabilla Rizki, Naila Lailiyah Zahrani — Sun, 21 Sep 2025 00:00:00 +0700

The IS-LM model is a widely used analytical framework in conventional economics to explain the interaction between the goods market (IS) and the money market (LM); however, this approach carries assumptions that are inconsistent with the principles of Islamic economics, such as the presence of interest (riba), speculative practices, and unequal wealth distribution, thereby requiring reconstruction to make the model relevant to the Sharia system. This study employs a library research method by reviewing academic literature, books, and journal articles related to the IS-LM concept and the principles of Islamic economics, using a qualitative-descriptive approach to identify common ground and key differences between the conventional and Islamic frameworks. The findings reveal that IS-LM equilibrium within the Islamic perspective can be achieved through fiscal and monetary policies based on Sharia principles, where fiscal policies emphasize fair wealth distribution, the management of zakat, infak, and waqf as sources of social financing, and the elimination of practices that cause inequality, while monetary policies focus on the prohibition of riba, the avoidance of speculative practices (gharar), and the strengthening of profit-and-loss sharing systems as alternative financing mechanisms. Accordingly, the IS-LM model remains applicable as a tool for macroeconomic equilibrium analysis but within a framework that emphasizes justice, sustainability, and the objectives of maqasid al-shariah. This study concludes that integrating macroeconomic theory with Islamic principles is essential not only for enriching the theoretical development of Islamic economics but also for providing practical alternatives in formulating economic policies for countries adopting Sharia-based systems, thereby offering analyses and solutions that are more aligned with moral values, social justice, and collective welfare.

Limbago: Journal of Islamic Finance

Pengaruh Layanan dan Kemudahan Terhadap Keputusan Mengajukan Pembiayaan Ke Bank Nagari Syariah

Analysis of the IS-LM Balance in the Context of Monetary Policy and Fiscal Policy