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All Journal Jurnal Masharif al-Syariah: Jurnal Ekonomi dan Perbankan Syariah Jurnal Ekonomi Syariah Indonesia
Eeng Juli Efrianto
Universitas Islam Negeri Fatmawati Sukarno Bengkulu
Economics, Econometrics & Finance Social Sciences

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Analisis Labelisasi Halal dalam Produk Makanan dan Minuman pada UMKM Kota Bengkulu Fadillah Alfatihah; Asnaini; Eeng Juli Efrianto
Jurnal Masharif al-Syariah: Jurnal Ekonomi dan Perbankan Syariah Vol 11 No 1 (2026)
Publisher : Universitas Muhammadiyah Surabaya

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.30651/jms.v11i1.30826

Abstract

This study aims to analyze the implementation of halal labeling on food and beverage products among MSMEs in Bengkulu City, identify internal and external factors influencing business owners' decisions to obtain certification, and examine its impact on consumer trust and product competitiveness. This research employed a descriptive qualitative approach and field research methods through observation, interviews, and documentation. Informants consisted of seven MSME owners who had undergone the halal certification process. The findings reveal that most business owners have a good understanding of halal certification procedures, although technical assistance is still needed. Internal factors such as capital readiness, commitment, and awareness, along with external factors including market trends and consumer demand, influence decision-making regarding halal certification. The implementation of halal labeling has shown a positive impact by increasing consumer confidence, strengthening product competitiveness, and enhancing market opportunities.
Determinan Perilaku Konsumtif Generasi Z Muslim di Era Digital Okta Febriansyah; Herlina Yustati; Eeng Juli Efrianto
Jurnal Masharif al-Syariah: Jurnal Ekonomi dan Perbankan Syariah Vol 11 No 2 (2026)
Publisher : Universitas Muhammadiyah Surabaya

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.30651/jms.v11i2.31300

Abstract

This study aims to analyze the various determinants of consumer behavior among Generation Z Muslims in Pagar Dewa Village, Bengkulu City. The variables tested as determinants in this study include hedonic lifestyle, self-control, and peer environment. The method used was a quantitative approach with a causal associative research approach. Primary data were collected through questionnaires from a sample of 2,836 people using quota sampling. Data analysis was performed using multiple linear regression using SPSS version 29 software. The results showed that partially, hedonic lifestyle and peer environment were determinants with a positive and significant influence on consumer behavior. However, self-control was found to have a significant positive influence, thus disproving the initial assumption that self-control was a negative determinant of consumer behavior. Simultaneously, these three variables were significant determinants influencing consumer behavior, contributing 47.1%.
PENGARUH DIGITALISASI MUAMALAT DIN DAN PERSEPSI HARGA EMAS TERHADAP MINAT NASABAH DALAM MENGGUNAKAN PEMBIAYAAN EMAS HIJRAH PADA BANK MUAMALAT Indonesia CABANG BENGKULU Wulandary Wulandary; Khairiah Elwardah; Eeng Juli Efrianto
Jurnal Ekonomi Syariah Indonesia (JESI) Vol. 5 No. 1 (2026): Maret
Publisher : STEI Al-Amar Subang

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.57171/jesi.v5i1.448

Abstract

Perkembangan Penelitian ini mengkaji pengaruh digitalisasi layanan Muamalat DIN dan persepsi harga emas terhadap minat nasabah dalam menggunakan Pembiayaan Emas Hijrah pada Bank Muamalat Indonesia Cabang Bengkulu. Penelitian ini dilatarbelakangi oleh perkembangan layanan perbankan digital dan perubahan harga emas yang menjadi pertimbangan nasabah dalam memilih produk pembiayaan. Penelitian ini bertujuan menganalisis pengaruh digitalisasi layanan Muamalat DIN dan persepsi harga emas terhadap minat nasabah, baik secara parsial maupun simultan. Penelitian menggunakan pendekatan kuantitatif dengan jenis penelitian asosiatif. Data diperoleh melalui kuesioner dari 100 responden yang ditentukan menggunakan teknik purposive sampling. Analisis data dilakukan menggunakan regresi linier berganda dengan bantuan IBM SPSS Statistics, disertai uji t dan uji F. Hasil penelitian menunjukkan bahwa digitalisasi layanan Muamalat DIN berpengaruh positif dan signifikan terhadap minat nasabah. Persepsi harga emas juga berpengaruh positif dan signifikan terhadap minat nasabah. Secara simultan, kedua variabel tersebut berpengaruh positif dan signifikan terhadap minat nasabah dalam menggunakan Pembiayaan Emas Hijrah.
Co-Authors Asnaini Fadillah Alfatihah Herlina Yustati Khairiah Elwardah Okta Febriansyah Wulandary Wulandary