https://jurnalsains.id/index.php/zhafir/issue/feed 2024-10-08T10:52:14+07:00 Redaktur penerbitmwi@gmail.com Open Journal Systems <p align="justify">This journal contains textual studies and field studies with various perspectives on Islamic economics, Islamic banking, Islamic finance, and others. The demand for publications by the higher education academic community has had a significant impact on academics' awareness of the importance of conducting studies, research and writing scientific papers. The development of scientific work in Indonesia is relatively better, especially since the implementation of government regulations requiring undergraduate, postgraduate and doctoral students to write articles in scientific journals as a prerequisite for graduation. Academics are of course increasingly required to actively write in scientific journals, both at the nationally accredited level and in reputable international journals.</p> <p align="justify">In this way, Indonesian and non-Indonesian scholars have enriched the research published in the journal. Although not from the start, Maslahah has presented quality scientific articles, starting from improving the format, style and academic quality. Now with articles written in Indonesian, Arabic and English and with fair peer-review procedures, Zhafir continues to publish research and studies related to Islamic economic studies with various dimensions and approaches.</p> <p align="justify">Zhafir: Journal of Islamic Economics, Finance, and Banking, which is published twice a year, always places Islam and Muslims as the main focus of academic inquiry and invites comprehensive observations of Islam as a theological belief and system of society and Muslims for those who practice this religion. . This journal, which functions as a forum for Islamic studies in Indonesia and other parts of the world in dealing with local and global contexts, supports studies that focus on specific themes and Islamic economic studies. Zhafir becomes a medium for the diffusion and exchange of ideas and research findings, so that researchers, writers and readers from various learning traditions interact with each other scientifically.</p> https://jurnalsains.id/index.php/zhafir/article/view/156 2024-10-08T10:30:02+07:00 Jihan Nur Laili Nuzula jihannurlaili02@gmail.com Peni Haryanti peniharyanti@unhasy.ac.id

<p>The demand for houses increases very rapidly every year, largely due to the increase in population. There are several factors that influence the decision to purchase a mortgage, namely price, quality of service and product. The population in this research is BTN Syariah KCPS Jombang customers who purchased KPR between 2021-2022. The sample was determined using purposive sampling which obtained 76 respondents. Questionnaires were used to collect data and then used multiple linear regression analysis with the help of SPSS version 22. Research findings showed that price and service quality partially influenced purchasing decisions. However, the product has no influence on purchasing decisions. Simultaneously, mortgage purchasing decisions are influenced by price, service and product quality. This research has strategic implications for BTN Syariah KCPS Jombang in improving the quality of services and products as well as affordable prices to increase mortgage purchasing decisions. This can help BTN Syariah KCPS Jombang increase market share and increase customer satisfaction</p>

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