Journal of Islamic Banking

Pengaruh Kepercayaan Nasabah Terhadap Kemudahan Akses Transaksi Laku Pandai Di Toko Hayu Kabupaten Kediri

Siti Nur Julianti — 2026-10-26

This study aims to determine the effect of customer trust on ease of access to
Laku Pandai transactions at Toko Hayu in Kediri Regency. The Laku Pandai program is a
branchless financial service aimed at increasing financial inclusion through the role of
bank agents. Customer trust is considered a factor that can influence the ease of conducting
transactions through this service. This study used a quantitative approach with an
associative approach. The sample consisted of 50 respondents who were customers using
the Laku Pandai service at Toko Hayu in Kediri Regency. Data were collected through
questionnaires and analyzed using simple linear regression with IBM SPSS. The results
showed that customer trust did not significantly influence ease of access to Laku Pandai
transactions. This is evidenced by a significance value of 0.900, greater than 0.05, and a
calculated t-value of -0.126. The coefficient of determination (R²) of 0.000 indicates that
customer trust cannot explain variations in ease of access to transactions. Therefore, the
research hypothesis was rejected.

Pengaruh Kompetensi Dan Orientasi Pelayanan Accounting Officer Terhadap Keputusan Anggota Memilih Simpanan Mudharabah Di KSPPS BMT Kemitraan Bojonegoro

Agus Wahyu Irawan — 2026-10-26

This study aims to examine the influence of Accounting Officers' competence and service
orientation on members' decisions to choose Mudharabah Savings at KSPPS BMT
Kemitraan Bojonegoro. The research was motivated by the consistently high demand for
Mudharabah Savings compared with other savings products, indicating the importance of
identifying internal factors influencing members' decisions. This study employed a
quantitative approach using an associative research design. The population consisted of
members of Mudharabah Savings at KSPPS BMT Kemitraan Bojonegoro, while the
sample was determined through probability sampling techniques. Data were collected
through questionnaires, observations, interviews, and documentation. The data were
analyzed using multiple linear regression supported by validity testing, reliability testing,
classical assumption testing, partial t-test, simultaneous F-test, and the coefficient of
determination (R²). The findings reveal that Accounting Officers' competence has a
positive and significant effect on members' decisions to choose Mudharabah Savings.
Service orientation also has a positive and significant influence on members' decisions.
Furthermore, competence and service orientation simultaneously have a positive and
significant effect on members' decisions to select Mudharabah Savings at KSPPS BMT
Kemitraan Bojonegoro. These findings indicate that improving Accounting Officers'
knowledge, skills, professionalism, and service quality strengthens members' trust and
encourages their decisions to use Mudharabah Savings products. This study provides
practical implications for Islamic microfinance institutions in improving human resource
quality and service excellence to enhance institutional competitiveness.

Revitalisasi Ekonomi Pasca Pandemi COVID-19: Analisis Strategi Pemberdayaan UMKM Berbasis Digital Menuju 2025

Shelvina Rikantasari — 2026-10-26

The COVID-19 pandemic has significantly impacted the economic sector, particularly
Micro, Small, and Medium Enterprises (MSMEs), which faced severe pressure in terms of
operations and competitiveness. This article aims to analyze digital-based empowerment
strategies for MSMEs as part of post-pandemic economic revitalization efforts toward
2025. This study employs a qualitative approach through literature analysis and secondary
data from academic publications, government reports, and recent case studies. Findings
indicate that the success of MSME empowerment is largely determined by synergy between
the government, private sector, and community in building an inclusive digital ecosystem.
Digital literacy, access to technology, and business mentoring are key factors in promoting
sustainability and competitiveness for MSMEs in the post-pandemic era. This study
recommends a collaborative model that integrates public policy, technological innovation,
and community institutional strengthening as a strategic direction for future MSME
empowerment.

Analisis Disiplin Kerja Pegawai Pada Badan Riset Dan Inovasi Daerah Provinsi Jambi

Agus Wahyu Irawan — 2026-10-26

This study aims to analyze the implementation of employee work discipline at the
Regional Research and Innovation Agency (BRIDA) of Jambi Province. This study uses a
qualitative approach with descriptive methods. Data collection techniques were carried out through
observation, interviews, and documentation with informants consisting of leaders and employees of
BRIDA Jambi Province. Data analysis was carried out through the stages of data reduction, data
presentation, and drawing conclusions, as well as data validity testing using source triangulation.
The results of the study indicate that employee work discipline at BRIDA Jambi Province is quite
good, but not yet fully optimal. This is evident from several indicators of work discipline, namely
attendance, compliance with work regulations, compliance with work standards, level of alertness,
and work ethics. There are still employees who arrive late, leave after work hours, and do not comply
with established regulations and procedures. However, some employees have demonstrated a fairly
good work ethic and responsibility in carrying out their duties. Therefore, it is necessary to
strengthen inherent supervision (WASKAT), firm leadership, and continuous coaching to improve
employee work discipline at BRIDA Jambi Province.

EFEKTIVITAS PENGAWASAN DEWAN PENGAWAS SYARIAH TERHADAP RISIKO KETIDAKPATUHAN SYARIAH PADA LAYANAN DIGITAL BANK SYARIAH

Laila Murningsih Novrian Wakhidah — 2026-10-26

: Perkembangan teknologi digital telah mendorong perbankan syariah untuk menghadirkan berbagai layanan keuangan digital yang lebih mudah, cepat, dan efisien. Namun, digitalisasi tersebut juga menimbulkan tantangan dalam menjaga kesesuaian operasional dan transaksi dengan prinsip-prinsip syariah. Dalam hal ini, Dewan Pengawas Syariah (DPS) memiliki peran penting dalam mengawasi pelaksanaan kegiatan usaha bank syariah agar terhindar dari risiko ketidakpatuhan syariah (sharia non-compliance risk). Penelitian ini bertujuan untuk menganalisis efektivitas pengawasan Dewan Pengawas Syariah dalam mengidentifikasi, mencegah, dan memitigasi risiko ketidakpatuhan syariah pada layanan digital bank syariah. Penelitian ini menggunakan metode kualitatif dengan pendekatan studi literatur melalui penelaahan jurnal ilmiah, regulasi, dan sumber akademik yang relevan dengan tata kelola syariah, pengawasan DPS, serta digitalisasi perbankan syariah. Analisis difokuskan pada pelaksanaan fungsi pengawasan, kompetensi DPS, pemanfaatan teknologi dalam proses pengawasan, serta tantangan dalam memastikan kepatuhan syariah pada layanan digital. Penelitian ini diharapkan dapat memberikan pemahaman mengenai faktor-faktor yang mendukung efektivitas pengawasan DPS sekaligus mengidentifikasi aspek yang perlu diperkuat untuk meningkatkan kepatuhan syariah di era digital. Hasil kajian diharapkan menjadi bahan pertimbangan bagi perbankan syariah dalam mengembangkan sistem pengawasan yang adaptif, transparan, dan sesuai dengan prinsip-prinsip syariah.