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All Journal Media Riset Bisnis Ekonomi Sains dan Terapan Media Riset Bisnis Manajemen Akuntansi
Jaharuddin Jaharuddin
Universitas Muhammadiyah Jakarta
Computer Science & IT Economics, Econometrics & Finance Education Other

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MAKNA KEPERCAYAAN KONSUMEN E-COMMERCE PERSPEKTIF EKONOMI ISLAM: STUDI FENOMENOLOGI KARANG TARUNA BOJONGSARI Wulan Rindyana Syafitri; Jaharuddin Jaharuddin
Media Riset Bisnis Manajemen Akuntansi Vol 2, No 2 (2026): Media Riset Bisnis Manajemen Akuntansi
Publisher : Taksasila Edukasi Insani

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.71312/mrbima.v2i2.1027

Abstract

The rapid growth of e-commerce has significantly increased digital transactions across various segments of society, including young Muslim consumers. However, previous studies have generally emphasized consumer trust in technical aspects such as ratings, product quality, and platform security, while limited attention has been given to the meaning of trust from the perspective of Islamic economics. This study aims to analyze the meaning of consumer trust in e-commerce transactions based on the perspective of Islamic economics. This research employed a qualitative approach using a phenomenological method. The participants consisted of eight informants selected purposively, including seven members of Karang Taruna Bojongsari as the main informants and one business owner as the key informant. Data were collected through in-depth interviews and analyzed using thematic analysis assisted by NVivo 14 software. The findings reveal that consumer trust is not formed instantly, but develops through transaction experiences, social interactions, and evaluations of sellers’ ethical behavior. Values such as honesty, trustworthiness (amanah), transparency, and product halalness were found to be important factors in strengthening Muslim consumers’ trust. This study confirms that the implementation of Islamic economic values in e-commerce practices contributes to the creation of a more ethical and sustainable digital trade ecosystem.Keywords: Consumer trust, e-commerce, Islamic economics, amanah, phenomenology
EKSPLORASI PERSEPSI NASABAH TERHADAP FAKTOR-FAKTOR PEMBENTUK MINAT PEMBIAYAAN BANK SYARIAH: ANALISIS STATISTIK DESKRIPTIF Rega Saputra; Jaharuddin Jaharuddin
Media Riset Bisnis Ekonomi Sains dan Terapan Vol 4, No 2 (2025): Media Riset Bisnis Ekonomi Sains dan Terapan
Publisher : Taksasila Edukasi Insani

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.71312/mrbest.v4i2.793

Abstract

This study aims to systematically describe the perceptions of Islamic bank customers in Indonesia regarding the factors that influence their interest in using Islamic bank financing, which include trust, promotion, service quality, and Islamic religiosity, using a descriptive statistical approach. An exploratory descriptive approach was used in this study. The research sample consisted of 538 Islamic bank customers in Indonesia who were selected using purposive sampling. Data were collected through a structured questionnaire with a 5-point Likert scale that had been tested for validity and reliability. Data analysis was performed using descriptive statistics to describe the characteristics of the respondents and their perceptions of the research variables through minimum, maximum, mean, and standard deviation values. The research findings show that trust, promotion, service quality, and Islamic religiosity are in the high category with relatively homogeneous perceptions among respondents, thus playing a significant role in encouraging customer interest in Islamic bank financing. The low standard deviation value also indicates that the influence of these four variables is positive and relatively stable among respondents. This study contributes theoretically to the study of Islamic banking in Indonesia and has practical implications as a guide for Islamic banks, particularly BSI, in increasing the interest of young customers aged 20–25 years, the majority of whom are students, in Islamic financing.Keywords : Sharia bank, interest, financing, strategy
Co-Authors Rega Saputra Wulan Rindyana Syafitri