Indonesian Journal of Multidisciplinary Sciences (IJoMS) <div id="journalDescription" style="word-wrap: break-word;"> <p><strong>JOURNAL INFORMATION :</strong></p> <table style="height: 440px;" width="662"> <tbody> <tr style="height: 42px;"> <td style="height: 42px; width: 195.122px;"> <p><strong>Journal Title</strong></p> </td> <td style="height: 42px; width: 461.319px;"> <p><strong>: Indonesian Journal of Multidisciplinary Sciences (IJoMS)</strong></p> </td> </tr> <tr style="height: 42px;"> <td style="height: 42px; width: 195.122px;"> <p><strong>Language</strong></p> </td> <td style="height: 42px; width: 461.319px;"> <p><strong>: English</strong></p> </td> </tr> <tr style="height: 66px;"> <td style="height: 66px; width: 195.122px;"> <p><strong>ISSN</strong></p> </td> <td style="height: 66px; width: 461.319px;"> <p><strong>: <a href="" target="_blank" rel="noopener">E- ISSN 2963-7635</a><br /> <a href="">P-ISSN 2986-2426</a><br /></strong></p> </td> </tr> <tr style="height: 42px;"> <td style="height: 42px; width: 195.122px;"> <p><strong>DOI Prefix</strong></p> </td> <td style="height: 42px; width: 461.319px;"> <p><strong>: <a href="">10.59066/ijoms</a></strong></p> </td> </tr> <tr style="height: 80px;"> <td style="height: 80px; width: 195.122px;"> <p><strong>Subject Areas</strong></p> </td> <td style="height: 80px; width: 461.319px;"> <p><strong>: Economics, Law, Psychology, Sociology, Government and </strong></p> <p><strong> Politics</strong></p> </td> </tr> <tr style="height: 42px;"> <td style="height: 42px; width: 195.122px;"> <p><strong>National Accreditation</strong></p> </td> <td style="height: 42px; width: 461.319px;"> <p><strong>: On Process</strong></p> </td> </tr> <tr style="height: 42px;"> <td style="height: 42px; width: 195.122px;"> <p><strong>Publisher</strong></p> </td> <td style="height: 42px; width: 461.319px;"> <p><strong>: <a href="" target="_blank" rel="noopener">CV. ERA Digital Nusantara</a></strong></p> </td> </tr> <tr style="height: 42px;"> <td style="height: 42px; width: 195.122px;"> <p><strong>Publication Frequency</strong></p> </td> <td style="height: 42px; width: 461.319px;"> <p><strong>: </strong><strong>2 issues per year (June and December)</strong></p> </td> </tr> <tr style="height: 42px;"> <td style="height: 42px; width: 195.122px;"> <p><strong>Citation Analysis</strong></p> </td> <td style="height: 42px; width: 461.319px;"> <p><strong>: <a href=";hl=en">Google Scholar</a> | <a href=";and_facet_source_title=jour.1032779">Dimensions</a> | <a href="">Garuda</a> | <a href="">Others</a></strong></p> </td> </tr> </tbody> </table> <p>Indonesian Journal of Multidisciplinary Sciences (IJoMS) is a scientific journal published by CV. Era Digital Nusantara. The papers to be published in IJoMS are research articles (quantitative or qualitative research approaches), literature studies or original ideas that are considered to contribute to scientific studies of Economics, Law, Psychology, Sociology, Government and Politics.</p> </div> CV. Era Digital Nusantara en-US Indonesian Journal of Multidisciplinary Sciences (IJoMS) 2986-2426 FACTORS AFFECTING THE PERFORMANCE OF SHARIA BANK EMPLOYEES <p>This research is based on the background that employee performance is the main thing that companies must pay attention to when carrying out their work activities. For this reason, this problem requires company management to plan to increase competency, distribute knowledge (knowledge sharing) and carry out work supervision more strictly in order to improve the performance of its employees. This research aims to test the variables of Competency, Knowledge Sharing and Work Supervision on Employee Performance at Bank Sumsel Babel Syariah KC Palembang. This research uses quantitative methods. The population in this study was 62 employees using a purposive sampling technique. The sample in this study consisted of 33 respondents who were employees of Bank Sumsel Babel Syariah KC Palembang. Primary data was obtained from distributing questionnaires to employees and analyzed using the validity test method, reliability test, while data analysis techniques used the classic assumption test, multiple linear regression analysis, t test, f test and r test. The research results show that the competency variable has a positive and significant effect on employee performance at Bank Sumsel Babel Syariah KC Palembang. The results obtained were tcount &gt; t table (2.438 &gt; 1.699) with a significance of 0.021 &lt; 0.05. The knowledge sharing variable has a positive and significant effect on employee performance at Bank Sumsel Babel Syariah KC Palembang. The results obtained are t count &gt; ttable (2.160 &gt; 1.699) with a significance of 0.039 &lt; 0.05. The work supervision variable has a positive and significant effect on employee performance at Bank Sumsel Babel Syariah KC Palembang. The results obtained are tcount &gt; ttable (2.253 &gt; 1.699) with a significance of 0.032 &lt; 0.05. Simultaneously, the three variables have a positive and significant effect on employee performance at Bank Sumsel Babel Syariah KC Palembang. The results obtained are Fcount 12.925 &gt; Ftable 2.93 and a significance of 0.000 &lt; 0.05.</p> Yolanda Adista Septiani Aksa Rudi Aryanto Mail Hilian Batin Copyright (c) 2024 Yolanda Adista Septiani Aksa, Rudi Aryanto, Mail Hilian Batin 2023-12-31 2023-12-31 2 2 180 191 10.59066/ijoms.v2i2.578 THE INFLUENCE OF COMPANY IMAGE, PREMIUM PRICES AND PRODUCTS ON PEOPLE'S INTEREST IN CHOOSING SHARIA LIFE INSURANCE IN PALEMBANG CITY <p>Company image, premium prices and products are important factors and are the goals of every company, including those in the insurance sector. Apart from being an important factor as the front guard for the continuity of the company's operation, the existence of this factor can support the increase in public interest in insurance, especially sharia life insurance in the city of Palembang. The research conducted aims to determine the influence of company image, premium prices and products on people's interest in choosing sharia life insurance in the city of Palembang, focusing on sharia life insurance customers in the city of Palembang who are or have been sharia life insurance customers in the city of Palembang as the population. . The method used in collecting data is through a questionnaire using a Likert scale. Through the characteristics of sharia insurance users with a period of less than 1 year to more than 5 years and customers who are no longer customers. The sample consisted of 120 respondents using purposive sampling technique. Path Coefficient shows that Company and Product Image have a positive and significant influence on people's interest. Meanwhile, the premium price has no positive and significant effect on people's interest in choosing sharia insurance in the city of Palembang.</p> Yolanda Adista Septiani Aksa Ulil Amri M. Iqbal Copyright (c) 2023 Yolanda Adista Septiani Aksa, Ulil Amri, M. Iqbal 2023-12-31 2023-12-31 2 2 192 199 10.59066/ijoms.v2i2.579 ANALYSIS OF MENTEN VILLAGE FUND MANAGEMENT, RAMBUTAN SUB-DISTRICT <p>This study aims to determine and describe the management of village funds in community empowerment in Menten Village, Rambutan District, Banyuasin Regency, namely in planning the implementation of administration, reporting, and accountability according to applicable procedures and rules. In addition, this study also aims to determine the inhibiting factors and supporting factors in managing village funds. This study used a qualitative descriptive method through a purposive sampling method. The data consists of information, namely the head of the village and development while the informants are the heads of the RT and the village community. Data collection techniques through observation, interviews, and books or journals. The results of the study show that Menten Village, Rambutan District, and Banyuasin Regency have implemented Village Fund management, although it is not yet optimal, it is still constrained by low human resources. This is known from the results of village development planning meetings which are monotonous every year. The reporting and accountability of the village government in managing village funds are carried out in accordance with applicable government regulations or provisions.</p> Masayu Meysy Raudathul Jannah farrel faadihilah farrel Wati Surtiningsih Enti Bayu saputra Bayu aia Siti Ambarwati Embull Muhammad Rafi Almunawar Almunawar M.Rafli Adithio Rafli Copyright (c) 2023 Meysy, Meong, Wati, Bayu, Ambar, Rafi; Rafli 2023-12-31 2023-12-31 2 2 200 209 10.59066/ijoms.v2i2.328 IMPLEMENTATION OF BANK RAKYAT INDONESIA (BRI) SUPERVISION SYSTEM IN AN EFFORT TO PREVENT FRAUND IN BANKING SERVICE SYSTEM <p>It is important for Bank BRI to implement an effective fraud prevention control system in the banking service system. The purpose of this article is to analyze how Bank BRI implements a control system to prevent fraud from occurring in the banking service system. In addition, this study aims to determine the factors that hinder the implementation of the BRI control system. The research method uses a descriptive approach by gathering information from secondary sources such as related literature, bank regulations and financial reports. The results of this study indicate that BRI Bank implements various steps in the control system, including event monitoring, information security, training and awareness raising, as well as internal and external audits. However, this study also identified several factors that complicate the implementation of BRI's control system. These factors include limited resources such as budgets and personnel, the technological complexity of modern banking systems, and compliance with established regulations and policies. To increase the effectiveness of the control system, Bank BRI must overcome these obstacles by allocating adequate human resources, developing capabilities to respond to technological developments, and increasing compliance with banking laws. It is hoped that BRI's control system can work more effectively to prevent fraud and maintain customer trust in the banking services provided</p> Siti Robiati Dedi Heryanto Dwi Masria Bastomi Zikrillah Amran Muslimin M. Farhan Arrafi Heri M. Ripaldy Dadang Rahman Nurhayati Mahidin Jesica Natania Imronniansyah Copyright (c) 2023 Siti Robiati Dedi Heryanto, Dwi Masria Bastomi, Zikrillah Amran Muslimin, M. Farhan Arrafi Heri, M. Ripaldy Dadang Rahman, Nurhayati Mahidin, Jesica Natania Imronniansyah 2023-12-31 2023-12-31 2 2 210 221 10.59066/ijoms.v2i2.332 THE IMPACT OF THE INCREASING COOKING OIL PRICE ON THE ECONOMIC STABILITY OF TRADERS AND BUYERS IN INDONESIA <p>An increase in the price of cooking oil is an event that often occurs in Indonesia and can have a major impact on the economies of both sellers and buyers. The purpose of this research is to evaluate the effect of rising cooking oil prices on the economic stability of sellers and buyers in Indonesia. This study uses a qualitative method with a data collection approach through interviews, field observations, and analysis of related documents.</p> Azzahra Ramadhini Fitri Yelly Agustiani M Rendy Gunawan Nabilah Retri Actita Sari Mitra Anggrainy Copyright (c) 2023 Azzahra Ramadhini Fitri, Yelly Agustiani, M Rendy Gunawan, Nabilah, Retri Actita Sari, [email protected] 2023-12-31 2023-12-31 2 2 222 230 10.59066/ijoms.v2i2.333 FACTORS CAUSING PROBLEMS IN MURABAHAH FINANCING IN SHARIA COMMERCIAL BANKS <p>Problematic murabahah financing is the risk of congestion in financing distribution. In addition to paying attention to the eligibility of customers, the distribution of financing must also pay attention to sharia principles and the principle of prudence. This writing aims to find out how the factors that cause problematic murabahah financing in Islamic commercial banks and want to find out how to resolve problematic murabahah financing in Islamic commercial banks. This research uses the library study method, this is done because the library sources are obtained from journals, research reports, accredited articles and other sources. The approach in this study uses descriptive qualitative. in the distribution of sharia commercial bank financing, it is in accordance with what is carried out by sharia banks in general by using the precautionary principle. Factors causing problematic murabahah financing in Islamic commercial banks are risks that are beyond the bank's control, customers misusing funds and customer business skills that are less than optimal. In murabahah financing, the problems are caused by two factors, namely internal and external factors. Problematic murabahah financing at Islamic commercial banks is still in the healthy category. The method of solving troubled murabahah financing in Islamic commercial banks means gradual correspondence and financing restructuring. In the troubled murabahah financing settlement method at Islamic commercial banks, if the customer's installments cannot be resolved by means of restructuring, then the guarantee application is carried out using a voluntary system.</p> Rona Fatima Agna M.Yani Nurul Putri Ramadhan Nurul Aqilal Zaky Afiya Abdul Rozak Muthia Lestari Sopian Nabila Maulidia Sugeng Wijaya Copyright (c) 2023 Rona Fatima Agna M.Yani, Nurul Putri Ramadhan Nurul, Aqilal Zaky Afiya Abdul Rozak, Muthia Lestari Sopian, Nabila Maulidia Sugeng Wijaya 2023-12-31 2023-12-31 2 2 231 240 10.59066/ijoms.v2i2.334 THE IMPACT OF UNEMPLOYMENT AND POVERTY LEVELS ON THE ECONOMY OF SOUTH SUMATRA <p>This research is to determine the effect of unemployment and poverty on economic growth in South Sumatra Province in 2020-2022. The purpose of this study was to determine the effect of unemployment and poverty on economic growth in South Sumatra Province. The results of the study show that unemployment and poverty affect economic growth in South Sumatra Province. The results of this analysis indicate that unemployment and poverty rates have a significant impact on the economy of the people of South Sumatra. High unemployment rates lead to low people's incomes, lack of purchasing power, and reduced consumption.</p> Anggun Angelica Bella Desvi Yahya Helen Amelia Putri Nailah Fakhirah Tri Putri Rahmawati Rizki Apriani M. Imami Akbar Gufito Ramadhan Copyright (c) 2023 Anggun Angelica, Bella Desvi Yahya, Helen Amelia Putri, Nailah Fakhirah, Tri Putri Rahmawati, Rizki Apriani, M. Imami Akbar, Gufito Ramadhan 2023-12-31 2023-12-31 2 2 241 254 10.59066/ijoms.v2i2.337 THE ROLE OF MICRO, SMALL, AND MEDIUM ENTERPRISES (MSMES) IN SUPPORTING THE INDONESIAN ECONOMY <p>Indonesia's economy has great potential to achieve sustainable and inclusive growth. In this context, Micro, Small, and Medium Enterprises (MSMEs) play an important role in supporting the country's economy. This paper aims to analyze the role of MSMEs in supporting the Indonesian economy and how strengthening the MSME sector can have a positive impact on economic growth, job creation, and reducing economic disparities in the country.</p> Winda Salsabillah Hafizzallutfi Uut Tarissyaa Nur Azizah Thia Fathona Muhammad Raihan Copyright (c) 2023 Winda Salsabillah, Hafizzallutfi, Uut Tarissyaa, Nur Azizah, Thia Fathona, Muhammad Raihan 2023-12-31 2023-12-31 2 2 255 263 10.59066/ijoms.v2i2.339 REGULATION, SUPERVISION, AND IMPLEMENTATION OF SHARIA PRINCIPLES IN BANKING BY OJK (ANALYSIS OF LEGAL ASPECTS AND CHALLENGES) <p>Banking institutions play an important role in the economic development of the country. Banks are intermediary institutions that cannot be separated from people's lives. Sharia banking is part of the existing banking system in Indonesia which has its own challenges in implementing sharia principles and maintaining its stability. Prior to the establishment of OJK (Financial Services Authority), Bank Indonesia had full authority in supervising the financial services industry, including banking. The Financial Services Authority was established as an answer to problems that arose in the banking sector after the crisis in several national banks. The OJK Law which came into force on November 22, 2011 authorizes OJK to conduct supervision, regulation and investigation in the banking sector in Indonesia. This study discusses the legal aspects of banking regulation and supervision as well as the implementation of sharia principles in OJK sharia banking. The research methods used are legal approaches and literature reviews. The results of the study show that OJK has an integrated regulatory and supervisory function in the entire financial services sector. OJK is considered a superior institution with great authority. OJK also plays a role in regulating and supervising Islamic banking</p> Salwatun Aslamia Ahmed Fatir Sadikin Muhammad Agil Saputra Yeni Yulia Kusuma Tiana Nataza Rangga Okrio Saputra Copyright (c) 2023 Salwatun Aslamia, Ahmed Fatir Sadikin, Muhammad Agil Saputra, Yeni Yulia Kusuma, Tiana Nataza, Rangga Okrio Saputra 2023-12-31 2023-12-31 2 2 264 274 10.59066/ijoms.v2i2.344 THE IMPACT OF CHANGES IN BANK INDONESIA'S INTEREST RATE POLICY ON THE LIQUIDITY OF CONVENTIONAL COMMERCIAL BANKS <p>This study aims to examine the impact of Bank Indonesia's interest rate policy on customer savings decisions regarding choosing savings products in conventional banks, as well as its effect on the liquidity of these banks. The research utilizes a literature review method with a qualitative descriptive approach. The results and discussion indicate that the offered interest rates by conventional banks significantly influence customer behavior in selecting savings products. Changes in interest rates can affect customers' inclination to save in banks and consequently impact the liquidity of conventional banks. Other factors that influence customer decisions include product promotions, service quality, and customer preferences. While changes in Bank Indonesia's interest rate policy can affect customer loyalty to banks, customer preferences in choosing savings products are also influenced by other non-interest rate-related factors. This study provides an in-depth understanding of the impact of interest rate changes on the liquidity of conventional banks, offering valuable insights for Bank Indonesia and conventional banks in formulating effective policies to maintain financial sector stability and foster sustainable economic growth.</p> Zulkifli Ramadhan Zahara Febriyanti Putri Rahmawati Ayu Lestari Siti NurHalimah Andini Nur Oktavia Pamesti Ajeng Feriskinanti Nola Tri Juniarti Copyright (c) 2023 Zulkifli Ramadhan, Zahara Febriyanti, Putri Rahmawati, Ayu Lestari, Siti NurHalimah, Andini Nur Oktavia, Pamesti Ajeng Feriskinanti, Nola Tri Juniarti 2023-12-31 2023-12-31 2 2 275 288 10.59066/ijoms.v2i2.345 GOVERNMENT'S STRATEGY TO OVERCOME THE IMPACT OF FISCAL AND MONETARY POLICY ON THE INDONESIAN ECONOMY <p>The government's strategy was previously under pressure to improve the economy, one of which is the implementation of fiscal policy. This is because the Covid-19 pandemic in previous years had an impact on all sectors, especially the financial sector. Now with its fiscal policy adjusting between government revenue and spending. Part of the government's fiscal policy during the pandemic, namely the tax relief program aimed at easing the burden on taxpayers and reorienting the 2020 State Budget to increase government spending. Through in-depth research and analysis of the government's strategy for overcoming the impact of fiscal and monetary policies on the economy, it is hoped that a better understanding of government actions in encouraging inclusive and sustainable economic growth in the Indonesian economy will be provided.</p> Nabila Aqila Ghania Farhan Farhan Hanifah Rahmadhani Meta Eriska Jenifer A. Rahman Sandes Pratama Copyright (c) 2023 Nabila Aqila Ghania, Farhan Farhan, Hanifah Rahmadhani, Meta Eriska, Jenifer, A. Rahman, Sandes Pratama 2023-12-31 2023-12-31 2 2 289 301 10.59066/ijoms.v2i2.352 ANALYSIS OF FACTORS INFLUENCING THE UNEMPLOYMENT RATE ON POVERTY RATE IN INDONESIA <p>Poverty is a multifaceted problem related to low incomes, illiteracy and poor health, gender inequality and precarious living conditions. Getting out of poverty cannot happen automatically Apart from the problems of unemployment, education, health and others which are clearly closely related to the problem of poverty. Poverty is one of the problems faced by developing countries, including Indonesia. In Indonesia, poverty is a problem The problem of unresolved poverty varies between provinces in Indonesia, but the focus is on the people. The poverty rate in Java is very high compared to other provinces in front of the island of Java. Even though each region has accessibility and facilities to meet the needs of life. Especially the province of Java Where it is easy to get to government centers and vice versa Regions from the center to Java compared to areas outside Java Java Island This study looks at GDP, education (literacy), unemployment (TPT), poor life expectancy in Java Island 2005-2011.</p> Fitri Indri Wahyuni Syalsa Billa Aulia Hakim Syalsa Wanda Lestari Wanda M. Azhari Ramadhan Azhari Fahri Reza Fahri Copyright (c) 2023 Fitri Indri Wahyuni, Syalsa Billa Aulia Hakim , Wanda Lestari, M. Azhari Ramadhan, Fahri Reza 2023-12-31 2023-12-31 2 2 302 307 10.59066/ijoms.v2i2.354 ANALYSIS OF INSURANCE AGENT IN HAJJ & UMRAH TRIP <p>Hajj and Umrah trips are important religious activities for Muslims. In carrying out this trip, many pilgrims choose to use the services of a travel insurance agent to provide financial protection and guarantees in unexpected situations. Therefore, it is important to carry out an analysis of the insurance agents involved in the Hajj and Umrah trips. In this writing, it uses the research method of library research by discussing the roles and obstacles that occur in Hajj and Umrah agents.</p> Ayesha Lesti Febrianti Leo Candra Pratama Jordan Pandu Alam Arsyil Azhim Erwin Saputra Copyright (c) 2023 Ayesha, Lesti Febrianti, Leo Candra Pratama , Jordan Pandu Alam, Arsyil Azhim, Erwin Saputra 2023-12-31 2023-12-31 2 2 308 321 10.59066/ijoms.v2i2.356 THE ROLE AND POTENTIAL OF ISLAM CAPITAL MARKET IN SUSTAINABLE ECONOMIC DEVELOPMENT <p>Islam capital markets play an important role in promoting sustainable economic development through financial instruments that comply with Islam principles. The journal discusses the role of the Islam capital market as a source of funding and financial access in the context of sustainable economic development. Through the research method of literature studies that gather data through the study of libraries related to the discussion of this journal. In the results of the research found the important roles of capital markets in sustainable economic development, which to maximize the potential of the islam capital market in the sustainable development of the economy, cooperation between the government, financial institutions, and islam market players is necessary. However, in addition to the continued economic development, there are also obstacles within it. Where governments need to create regulations that support the development of Islam capital markets and integrate them into sustainable economic development strategies. Financial institutions and Islam capital market players need to continue to develop innovative products and services that meet market needs and promote sustainable business practices.</p> Dea Dea Nabila Selly Yulaikha Maula Aji Hidayatullah Elma Susanti Megawati Oktaria Meko Susanto Tri Suci Aryanti Copyright (c) 2023 Dea Dea Nabila, Selly Yulaikha, Maula Aji Hidayatullah, Elma Susanti, Megawati Oktaria, Meko Susanto, Tri Suci Aryanti 2023-12-31 2023-12-31 2 2 322 334 10.59066/ijoms.v2i2.360 THE URGENCY OF ISLAMIC BANKS FOR HAJJ FUND SERVICES <p>The high level of public interest in the products and services of financial institutions, especially banks, is followed by the increasing selectiveness of the public in choosing financial institutions. This is done by the community to guarantee a protected and quality product. Only financial institutions that have a high commitment and are trusted will be chosen by the public. The success of a financial institution is marked by the number of consumers who are loyal to it. When consumers are loyal to companies or financial institutions, consumers will tend to buy and use, even make repeat purchases of the company's products or services. Consumers have a high level of loyalty which can be seen from the continuous use of a product or service.</p> <p>Management of Hajj fund services carried out by Islamic Banks for prospective hajj pilgrims is fully said to be optimal in providing services, it has almost been fulfilled only in terms of promoting Hajj savings products, Islamic Banks are still lacking because they have not been able to convince the public, for this reason people do not know related information regarding Hajj savings products at Islamic Banks.</p> Sumarni Malita Giani Giani Cici Agustina M. Abdul Arif Muhammad Galang Rivaldo Doni Damara Noprianto Copyright (c) 2023 Sumarni, Malita Giani Giani, Cici Agustina, M. Abdul Arif, Muhammad Galang Rivaldo, Doni Damara, Noprianto 2023-12-31 2023-12-31 2 2 335 345 10.59066/ijoms.v2i2.363 ANALYSIS OF THE PERFORMANCE EFFECTIVENESS OF CONVENTIONAL BANKS COMPARED TO ISLAMIC BANKS <p>Indonesia occupies the first position of the country with the most Muslim majority in the world. The population of the Muslim community in the country is equivalent to 86.7% of the total population in Indonesia. However, it turns out that conventional banks are still the superior choice for the Indonesian Muslim community for various financial transactions or services compared to Islamic banks. Banks are financial organizations or companies that are close friends with the community, these two things are interdependent and need each other. From the title listed, of course we already know about conventional economics. The target to be achieved in this research is to find out whether there are special advantages or dissimilarities between these idealistic banks and Islamic banks, starting from the function of offering services and financial regulations. Here the researcher uses the literature study method. Conventional banks really spoil their customers by providing a number of tempting benefits, for example, getting interest from deposits that are deposited. But on the other hand, conventional banks led to the wrong path, namely usury, then the Indonesian Ulema Council (MUI) Banking issued the oldest sharia bank in this country, namely Bank Muamalat Indonesia. People still consider these two things.</p> <p><strong>Keywords:</strong> Muslim, conventional banks, Islamic banks</p> Elyssa Meilyana Arif Alauddin Okta Saputra Mella Saputri Elsa Putri Pratama Dimi Annisa Mutohharoh Kevin Jexi Levi Copyright (c) 2023 Elyssa Meilyana, Arif Alauddin Okta Saputra, Mella Saputri, Elsa Putri Pratama, Dimi, Annisa Mutohharoh, Kevin Jexi Levi 2023-12-31 2023-12-31 2 2 346 354 10.59066/ijoms.v2i2.367