https://ejournal.iain-manado.ac.id/index.php/kunuz/issue/feed 2024-07-04T05:25:37+00:00 Nur Shadiq Sandimulla kunuz@iain-manado.ac.id Open Journal Systems <p style="text-align: justify;"><strong>Kunuz: Journal of Islamic Banking and Finance</strong>, with registered number <a href="https://issn.lipi.go.id/terbit/detail/20210829221730941"> ISSN 2807-680X </a>(Print), <a href="https://issn.lipi.go.id/terbit/detail/20210829431728352">ISSN 2807-615X </a>(Online) is a peer-reviewed journal published twice a year in June and December by the islamic banking and finance study program of islamic economic and business faculty, State Islamic Institute of (IAIN) Manado&nbsp;in collaboration with <a href="https://drive.google.com/file/d/18lvsFCKzJR2_VxEYd529oR3b0WobwhW6/view?usp=sharing">Ikatan Ahli Ekonom i Islam (IAEI)</a> and <a href="https://drive.google.com/file/d/1n6KjqyPuXHCfKvMVjRwgztEUSblV5AIU/view?usp=sharing">Asosiasi Fakultas Ekonomi dan Bisnis Islam (AFEBIS)</a>.</p> <p style="text-align: justify;"><strong>Kunuz: Journal of Islamic Banking and Finance</strong> invites enthusiasts and experts in economics and Islamic finance to write or disseminate research results relating to Banking and Islamic Finance issues.</p> <p style="text-align: justify;">Please read and understand the author guidelines thoroughly. The author who submits a manuscript to the editors of Kunuz: Journal of Islamic Banking and Finance must follow the author's guidelines. If the submitted manuscript does not follow the guidelines or using a different format, it will be rejected by the editorial team before it is reviewed. The editorial Team will only accept a manuscript that meets the specified format requirements.</p> <p style="text-align: justify;">The articles published in <strong>Kunuz: Journal of Islamic Banking and Finance</strong> have been double blind-reviewed by peer reviewers. The decision on whether the scientific article is accepted or not in this journal will be the Editorial Board’s right based on the peer reviewer's recommendation.</p> https://ejournal.iain-manado.ac.id/index.php/kunuz/article/view/838 2024-06-30T13:34:11+00:00 Misbahul Munir Makka Misbahulmakka66@gmail.com Chairul Fahmi Chairul.fahmi@stud.uni-goettingen.de Jefry Tarantang hukumtarantang@gmail.com

<p><em>This research explores the perception and motivation of saving from customers of the Branch Office (KC) Bank Syariah Indonesia (BSI) in Manado. This study uses a qualitative approach to understand how customers view Islamic banking services and the factors motivating them to use them. The research method includes in-depth interviews with BSI customers. Interviews are used to explore customers' views on Islamic banking services, the factors influencing their savings decisions, and their experiences and expectations regarding these services. The findings show that religiosity, income, and understanding of Sharia principles are essential in the motivation to save in Islamic banks. Customers choose Islamic banks not only because of their religious aspects but also because they believe in transparency and fairness in financial services based on Islamic teachings. The implications of this research are important for Islamic banks in designing more effective marketing strategies and products that suit the needs of customers with a solid religious background</em>.</p>

2024-06-30T13:33:50+00:00 ##submission.copyrightStatement## https://ejournal.iain-manado.ac.id/index.php/kunuz/article/view/982 2024-07-04T05:25:37+00:00 Mardatilla Kartika Gafur mardatila.gafur@iain-manado.ac.id Rosdalina Bukido rosdalina.bukido@iain-manado.ac.id Ridwan Jamal ridwan.jamal@iain-manado.ac.id

<p><em>This study aims to analyze the impact of IAIN Manado students' impulse buying behavior and hedonistic lifestyles on Shariah investment from an Islamic economics perspective. Impulse buying behavior, characterized by spontaneous purchases without rational consideration and a hedonistic lifestyle focused on material satisfaction and pleasure, is increasingly prevalent among students. This phenomenon can affect the allocation of funds that should be invested in Shariah-compliant instruments by Islamic economic principles. This study employs a qualitative approach using case study methods and in-depth interviews with students from the Faculty of Islamic Economics and Business at IAIN Manado. The results indicate that impulsive behavior and a hedonistic lifestyle tend to reduce students' awareness and interest in Sharia-compliant investments. This is due to priorities shifting from productive long-term investments to unplanned short-term consumption. From an Islamic economics perspective, such behavior contradicts the principles of prudent and responsible financial management. The study recommends enhancing Shariah's financial literacy and promoting awareness about the importance of Shariah-compliant investments to foster sustainable well-being.</em></p>

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