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All Journal Journal of Shariah Economics
Muthmainnah .
UIN Sulthan Thaha Saifuddin Jambi
Religion Economics, Econometrics & Finance Education Social Sciences Other

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Perbandingan Tingkat Kepuasan Pada Layanan Produk Perbankan Syariah Dengan Perbankan Konvensional (Sudi Kasus Mahasiswa Perbankan Syariah) Wigia Vanessa; Bambang Kurniawan; Muthmainnah .
JOURNAL OF SHARIA ECONOMICS Vol 5 No 1 (2023): Journal of Sharia Economics
Publisher : Program Studi Ekonomi Syariah, Fakultas Ekonomi dan Bisnis Islam, Universitas Al Hikmah Indonesia

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.35896/jse.v5i1.1382

Abstract

This study aims to analyze and compare the level of satisfaction among students of the Islamic Banking Study Program at UIN Sulthan Thaha Saifuddin Jambi toward Islamic and conventional banking product services. The study is motivated by the phenomenon that conventional banks remain more widely used among students despite their academic background in Islamic banking. This research employed a quantitative approach with a comparative design. Data were collected through questionnaires distributed to students from the 2022–2025 cohorts who had experience using both Islamic and conventional banking services. The research variables consisted of Islamic banking product services (X1), conventional banking product services (X2), and student satisfaction (Y). Data were analyzed using validity and reliability tests, classical assumption tests, multiple linear regression, t-tests, an F-test, and the coefficient of determination. The results show that Islamic banking product services do not have a significant partial effect on student satisfaction, whereas conventional banking product services have a positive and significant effect. Simultaneously, Islamic and conventional banking product services significantly affect student satisfaction, with an R² value of 0.098. Comfort, ease of access, transaction speed, digital facilities, security, and information transparency are important factors in shaping student satisfaction. These findings indicate that both Islamic and conventional banks need to continuously improve practical and digital service quality to meet the needs and expectations of young banking customers.
Analisis Perlakuan Akuntansi Akad Istishna’ Pada Toko Rafli Kaca Berdasarkan Psak 404 Muhammad Nursholihin; Habriyanto .; Muthmainnah .
JOURNAL OF SHARIA ECONOMICS Vol 6 No 1 (2024): Journal of Sharia Economics
Publisher : Program Studi Ekonomi Syariah, Fakultas Ekonomi dan Bisnis Islam, Universitas Al Hikmah Indonesia

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.35896/jse.v6i1.1432

Abstract

This study aims to identify and describe the practice of glass product ordering transactions at Rafli Kaca Store, which has the characteristics of an istishna’ contract, and to analyze its accounting treatment based on PSAK 404 concerning Istishna’ Accounting. This study employs a descriptive qualitative approach with a case study design. The research object is the accounting treatment of istishna’ contracts at Rafli Kaca Store, focusing on the aspects of recognition, measurement, presentation, and disclosure. Data were obtained through interviews, observations, and documentation, and were analyzed through the stages of data condensation, data presentation, and conclusion drawing and verification. The results show that the transaction practices at Rafli Kaca Store have the characteristics of an istishna’ contract. This is indicated by the ordering of products based on customer specifications, agreements regarding the model, size, materials, and price, down payment arrangements, the production process after the agreement is reached, and the delivery of goods after the order is completed. However, the accounting treatment applied is not yet fully in accordance with PSAK 404. Rafli Kaca Store has used receipts as transaction documentation, but its accounting records remain simple and do not systematically distinguish between down payments, final payments, revenue, and receivables. In addition, the costs of materials, labor, transportation, and other expenses are not systematically calculated for each order. Non-compliance is also found in the aspects of revenue recognition, measurement of costs and revenue, presentation of transaction elements, and disclosure of istishna’ transaction information. Therefore, the level of conformity of the accounting treatment at Rafli Kaca Store with PSAK 404 is still considered low.
Pengaruh Digital Marketing, Inovasi Produk Dan Etika Bisnis Islam Terhadap Pendapatan Usaha Mikro Kecil dan Menengah (UMKM) Studi Pada Kecamatan Paal Merah Kota Jambi Zalfa Zahira; Marissa Putriana; Muthmainnah .
JOURNAL OF SHARIA ECONOMICS Vol 7 No 1 (2025): Jounal of Sharia Economics
Publisher : Program Studi Ekonomi Syariah, Fakultas Ekonomi dan Bisnis Islam, Universitas Al Hikmah Indonesia

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.35896/jse.v7i1.1502

Abstract

This study aims to analyze the influence of digital marketing, product innovation, and Islamic business ethics on the revenue of Micro, Small, and Medium Enterprises (MSMEs) in the Paal Merah District, Jambi City. The study employs a quantitative approach with an associative research design. Data were collected through questionnaires distributed to 95 owners or managers of MSMEs in the culinary sector. Data analysis was conducted using multiple linear regression with the aid of SPSS software, incorporating partial and simultaneous hypothesis testing, as well as an analysis of the coefficient of determination. The results indicate that digital marketing has a positive and significant impact on MSME revenue, with a t-statistic of 7.863 and a significance level of 0.000. Islamic business ethics also exert a positive and significant influence, with a t-statistic of 4.172 and a significance level of 0.000. Simultaneously, digital marketing, product innovation, and Islamic business ethics significantly affect MSME revenue, with an F-statistic of 31.619 and a significance level of 0.000. An adjusted R-square value of 0.494 suggests that these three variables account for 49.4% of the variation in MSME revenue, while the remaining 50.6% is explained by factors outside the research model. This study underscores the importance of integrating digital marketing, product development, and the application of Islamic business ethics into MSME management strategies.
Co-Authors Bambang Kurniawan Habriyanto . Muhammad Nursholihin Putriana, Marissa Wigia Vanessa Zalfa Zahira