https://www.siducat.org/index.php/sembj <p><strong>Sharia Economic and Management Business Journal (SEMBJ)</strong> is peer-reviewed journal published by Yayasan Darussalam Bengkulu. <strong>Sharia Economic and Management Business Journal (SEMBJ)</strong> focus on the research of sharia economic and management business. The aims of this journal is to explore and develop economic management related to islamic and business. The journal is published three times a year, in Februari, June, and October.</p> Yayasan Darussalam Bengkulu en-US Sharia Economic and Management Business Journal (SEMBJ) 2774-2679 <p>The authors who publish in the journal agree to the following terms:</p> <ul> <li>The authors retain copyright and grant the journal right of first publication with the work simultaneously licensed under a&nbsp;Creative Commons Attribution License&nbsp;that allows others to share the work with an acknowledgment of the work's authorship and initial publication in this journal.</li> <li>The authors are able to enter into separate, additional contractual arrangements for the non-exclusive distribution of the journal's published version of the work (e.g., post it to an institutional repository or publish it in a book), with an acknowledgment of its initial publication in this journal.</li> <li>The authors are permitted and encouraged to post their work online (e.g., in institutional repositories or on their website) prior to and during the submission process, as it can lead to productive exchanges, as well as earlier and greater citation of published work.</li> <li>The authors warrant that the article is original, written by stated author(s), has not been published before, contains no unlawful statements, does not infringe the rights of others, is subject to copyright that is vested exclusively in the author and free of any third-party rights, and that any necessary written permissions to quote from other sources have been obtained by the author(s).</li> </ul> <p><a href="http://creativecommons.org/licenses/by-nc-sa/4.0/?ref=chooser-v1" target="_blank" rel="license noopener noreferrer"><img src="https://mirrors.creativecommons.org/presskit/icons/cc.svg?ref=chooser-v1"><img src="https://mirrors.creativecommons.org/presskit/icons/by.svg?ref=chooser-v1"><img src="https://mirrors.creativecommons.org/presskit/icons/sa.svg?ref=chooser-v1"></a><br>Jurnal Ekonomi dan Bisnis Manajemen Syariah (SEMB-J), Yayasan Darussalam Bengkulu is licensed under a&nbsp;<a href="http://creativecommons.org/licenses/by-sa/4.0/" rel="license">Creative Commons Attribution-ShareAlike 4.0 International License</a>. Based on a work at&nbsp;<a title="sembj" href="https://siducat.org/index.php/sembj/">https://siducat.org/index.php/sembj/</a>.</p> https://www.siducat.org/index.php/sembj/article/view/1226 <p>The aim of this research is to determine the service quality of Bank Syariah Indonesia KC S. Parman 1 Bengkulu. This research is field research using a descriptive qualitative approach. The data sources used in this research are primary data and secondary data. The data analysis technique used is data reduction, data presentation and drawing conclusions. The results of this research indicate that the services at the Indonesian sharia bank KC S. Parman 1 Bengkulu provide services for customers. This is demonstrated through 5 (five) factor dimensions, namely: tangible (physical evidence), Reability (reliability), Responsiveness (responsiveness), Assurance (guarantee) and Empaty (empathy). The results of this research indicate that the service quality of Bank BSI KC S. Parman 1 is quite satisfactory for customers. However, there are still several factors that can be improved, such as the mobile banking network which often has problems and the lack of ATM machine support. On the other hand, Bank BSI KC S. Parman 1 has carried out improvements and improvements to the facilities and services provided to customers every year.</p> Khodijah Anugrah Mahesa Desi Isnaini Faisal Muttaqin Copyright (c) 2025 Khodijah Anugrah Mahesa, Desi Isnaini, Faisal Muttaqin https://creativecommons.org/licenses/by-sa/4.0 2025-06-27 2025-06-27 6 1 1 6 10.62159/sembj.v6i1.1226 https://www.siducat.org/index.php/sembj/article/view/1220 <p>Sharia institutions in Indonesia have experienced rapid growth over time, especially Sharia Banks. Currently, Indonesia is the fourth country that has great potential for the development of Sharia financial institutions. The difference in principles and systems is one of the reasons that make people interested in investing in Sharia Institutions, especially deposit investments that use the mudharabah system in calculating profits. In 2009, after carrying out a spin-off, PT Bank BNI Syariah succeeded in developing its business by adding more branches and increasing the number of third-party deposits. This research aims to find out the Mudharabah savings system, and how customers are interested in investing in Sharia Banks. And to find out the influence of the system that makes people interested in savings products. The location of this research is PT Bank BNI Syariah Bogor Branch one of the Sharia Banks that is of interest to the public. This research uses a descriptive method to determine and show the relationship between the mudharabah profit-sharing system and customer interest in investing. The research results show that the profit calculation system used by PT Bank BNI Syariah is profit sharing, with the savings contract used being Mudharabah Mutlaqah. Based on a review of PT BNI Syariah's annual report for 2010 – 2012, the number of DPK has increased. This is because PT Bank BNI Syariah products are trusted by customers. Apart from that, consumer knowledge about the Islamic Economy which uses a profit-sharing system is getting better. So it can be concluded that the profit-sharing system on mudharabah deposits can influence customers' interest in investing in deposits.</p> Weni Wulandari Ince Sisilia Copyright (c) 2025 Weni Wulandari, Ince Sisilia https://creativecommons.org/licenses/by-sa/4.0 2025-06-27 2025-06-27 6 1 7 14 10.62159/sembj.v6i1.1220 https://www.siducat.org/index.php/sembj/article/view/1726 <p>Marketing literature is still limited to studies conducted on Islamic higher education services. There is still a gap in research that tests Service Dominant logic on marketing performance in Islamic higher education. This study empirically tests the influence of student co-creation activities, student co-creation values, and trust in lecturers, their influence on student satisfaction with lecturers, and their impact on loyalty to the study program. Data collection in the field was carried out in the Islamic Higher Education Management Study Program in Indonesia, namely Bengkulu, Lampung, and Bogor. The next stage is the data processing stage using Structural Equation Model Analysis (SEM) to obtain answers to research questions. The results found that student co-creation activities - in the form of providing feedback, getting information, helping and carrying out obligations - have a positive effect on student satisfaction with lecturers, and then this satisfaction has a positive effect on student loyalty. Student co-creation values ​​and trust partially mediate the relationship between student co-creation activities and satisfaction with lecturers in the context of higher education services. With these results, it means that the influence of co-creation activities carried out by students in their daily lives can directly affect student satisfaction with lecturers, or can indirectly affect students through the role of co-creation values ​​obtained by students and student trust in lecturers.</p> Idwal B Fadli Faisal Muttaqin Copyright (c) 2025 Idwal B, Fadli , Faisal Muttaqin https://creativecommons.org/licenses/by-sa/4.0 2025-07-03 2025-07-03 6 1 15 28 10.62159/sembj.v6i1.1726