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THE IMPACT OF ISLAMIC BUSINESS ETHICS, ONLINE CUSTOMER REVIEWS, AND ONLINE CUSTOMER RATINGS ON DECISIONS TO PURCHASE HALAL COSMETIC PRODUCTS THROUGH SHOPEE Inayah, Inayah; Adiba, Elfira Maya; Jessy, Rachela
Ekonomi Islam Vol. 15 No. 1 (2024): Jurnal Ekonomi Islam Fakultas Agama Islam UHAMKA
Publisher : Universitas Muhammadiyah Prof DR HAMKA

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.22236/jei.v15i1.12651

Purchasing transactions have grown rapidly due to the presence of the Internet. The use of Internet facilities allows business activities to be carried out anywhere and at any time without having to meet the parties in the transaction physically. Business activity using the Internet is called electronic commerce (e-commerce). Currently, in Indonesia, the online shop or online marketplace trend is on the rise. According to Research and Markets, a market research platform, the market in Indonesia is potentially growing by 19.0% throughout 2022. Some of the most popular online shops are Shopee, Tokopedia, Lazada, Zalora, and so on. The study aims to find out the influence of Islamic business ethics, online customer reviews, and online customer ratings on the decision to buy halal cosmetics products through Shopee among students of Trunojoyo Madura University. The study used quantitative methods and purposive sampling with respondents of as many as 100 students. The results of the study showed that Islamic business ethics (X1), online customer review (X2), and online customer rating (X3) have a significant influence on the purchase decision of halal cosmetic products. The combination of all variables studied influences each other in determining the decision of students to purchase illegal cosmetic products.

Determinan Kepuasan Nasabah KUR Syariah Di BSI Dengan Keputusan Sebagai Variabel Mediasi Elindahsari, Putri; Adiba, Elfira Maya
DIALEKTIKA: Jurnal Ekonomi dan Ilmu Sosial Vol 9 No 2 (2024): Dialektika: Jurnal Ekonomi dan Ilmu Sosial
Publisher : Prodi Manajemen Fakultas Ekonomi dan Bisnis Universitas Islam Raden Rahmat Malang

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.36636/dialektika.v9i2.4993

This study aims to determine the effect of Islamic promotion, Islamic service quality, and trust on customer satisfaction in using KUR financing at BSI with customer decisions as an intervening variable (Study at Bank Syariah Indonesia KCP Sidoarjo Ahmad Yani). This study uses a quantitative approach method. Data collection through questionnaires using a Likert scale. The research sample amounted to 81 using the slovin formula method with mediating variables (intervening). The data was processed using SmartPLS version 4.0. The results showed that Islamic promotion and trust had no significant effect on customer decisions. Islamic service quality has a significant effect on customer decisions. Islamic promotion and customer decisions have no significant effect on customer satisfaction. Islamic service quality and trust have a significant effect on customer satisfaction. While the results of islamic promotion, islamic service quality, and intervening variable trust cannot mediate all.

THE IMPACT OF ISLAMIC BUSINESS ETHICS, ONLINE CUSTOMER REVIEWS, AND ONLINE CUSTOMER RATINGS ON DECISIONS TO PURCHASE HALAL COSMETIC PRODUCTS THROUGH SHOPEE Inayah, Inayah; Adiba, Elfira Maya; Jessy, Rachela
Ekonomi Islam Vol. 15 No. 1 (2024): Jurnal Ekonomi Islam Fakultas Agama Islam UHAMKA
Publisher : Universitas Muhammadiyah Prof DR HAMKA

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.22236/jei.v15i1.12651

Purchasing transactions have grown rapidly due to the presence of the Internet. The use of Internet facilities allows business activities to be carried out anywhere and at any time without having to meet the parties in the transaction physically. Business activity using the Internet is called electronic commerce (e-commerce). Currently, in Indonesia, the online shop or online marketplace trend is on the rise. According to Research and Markets, a market research platform, the market in Indonesia is potentially growing by 19.0% throughout 2022. Some of the most popular online shops are Shopee, Tokopedia, Lazada, Zalora, and so on. The study aims to find out the influence of Islamic business ethics, online customer reviews, and online customer ratings on the decision to buy halal cosmetics products through Shopee among students of Trunojoyo Madura University. The study used quantitative methods and purposive sampling with respondents of as many as 100 students. The results of the study showed that Islamic business ethics (X1), online customer review (X2), and online customer rating (X3) have a significant influence on the purchase decision of halal cosmetic products. The combination of all variables studied influences each other in determining the decision of students to purchase illegal cosmetic products.

MANAJEMEN PENGELOLAAN WAKAF PRODUKTIF PERKEBUNAN PISANG CAVENDISH DI LEMBAGA ROUMAH WAKAF SURABAYA Zunica, Silvia Bela; Adiba, Elfira Maya
JURNAL ILMIAH EDUNOMIKA Vol. 8 No. 1 (2024): EDUNOMIKA
Publisher : ITB AAS Indonesia Surakarta

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.29040/jie.v8i1.11623

Wakaf produktif merupakan salah satu alternatif yang menjanjikan untuk pengembangan ekonomi dan pemberdayaan umat di Indonesia. Salah satu potensi wakaf produktif yang menonjol adalah perkebunan pisang cavendish. Lembaga Roumah Wakaf telah memainkan peran penting dalam mengelola wakaf produktif. Penelitian ini bertujuan untuk menganalisis manajemen pengelolaan wakaf produktif perkebunan pisang cavendish di Lembaga Roumah Wakaf Surabaya dan mengidentifikasi dampaknya terhadap pemberdayaan masyarakat serta potensi ekonomi di wilayah tersebut. Pendekatan yang digunakan dalam penelitian ini adalah kualitatif, dan data dikumpulkan melalui wawancara, observasi, dan analisis dokumen. Hasil penelitian menunjukkan bahwa manjemen pengelolaan wakaf produktif di Lembaga Roumah Wakaf Surabaya telah berhasil mengintegrasikan prinsip-prinsip bisnis dan keberlanjutan dalam pengembangan perkebunan pisang cavendish. Hal ini berdampak positif pada peningkatan potensi ekonomi di wilayah tersebut. Kata Kunci: Wakaf Produktif, Manajemen Pengelolaan, Pengembangan Wakaf, Pemberdayaan Umat

What Reduces Switching Behavior in Indonesian Islamic Banking? The Mediating Role of Customer Satisfaction Meliyana, Hildah; Adiba, Elfira Maya; Dahruji
Journal of Islamic Economic Laws Vol. 9 No. 01 (2026): January
Publisher : Universitas Muhammadiyah Surakarta

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.23917/jisel.v9i01.13794

Switching behavior is a marker of customer loyalty, particularly among Islamic bank customers. Therefore, a strategy is needed to reduce the rate of customer switching from an Islamic bank to other banks. This study aims to analyze the determinants of switching behavior in Indonesian Islamic banks, using customer satisfaction as a mediating variable. This study employed a quantitative approach using Structural Equation Modeling based on Partial Least Squares (SEM-PLS). This study successfully collected primary data from 265 customers of an Indonesian Islamic bank. The results of this study indicate that none of the antecedent variables directly influence switching behavior, but they do significantly influence customer satisfaction. Customer satisfaction effectively mediates switching behavior, indicating that more satisfied customers are less likely to switch banks. The findings of this study indicate that Islamic bank customers act rationally by evaluating all antecedent variables before switching to another bank. This research theoretically contributes to the literature regarding the importance of customer satisfaction in explaining customer behavior. In practice, this research emphasizes the need for appropriate strategies to provide a positive experience of transacting with Islamic banks, thereby satisfying customers and minimizing switching behavior. Therefore, banks must maintain and improve customer satisfaction through optimizing competitive profit-sharing schemes, service strategies, sharia compliance, and technological innovation to increase customer loyalty and reduce switching behavior. This strategy is expected to strengthen Islamic banks’ long-term competitiveness.

Developing a Strategic Model for the Pesantren Entrepreneurial Ecosystem: Integrating SWOT and Analytic Network Process (ANP) Dzikrulloh; Setiawan, Firman Setiawan; Pujiati, Tri; Amir, Faizal; Adiba, Elfira Maya
Lan Tabur: JURNAL EKONOMI SYARIAH Vol. 7 No. 2 (2026): (March)
Publisher : LAN TABUR: Jurnal Ekonomi Syariah The Islamic University of KH. Achmad Muzakki Syah Jember, East Java. Jember Jln. Manggar Gebang Poreng 139A Patrang Jember Jawa Timur

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.53515/lt.v7i2.147

Introduction: Pesantren play a strategic role in shaping community life, particularly in promoting entrepreneurship and economic empowerment. However, the development of entrepreneurship within pesantren remains limited due to the absence of a well-established entrepreneurial ecosystem. Therefore, this study aims to identify strategic priorities for strengthening the entrepreneurial ecosystem in pesantren. Methods: This study employs a qualitative approach supported by quantitative analysis through the integration of SWOT (Strengths, Weaknesses, Opportunities, and Threats) and the Analytic Network Process (ANP). SWOT analysis is used to identify internal and external factors influencing the entrepreneurial environment of pesantren, while ANP evaluates the interrelationships among criteria to determine strategic priorities. Data were collected through in-depth interviews, questionnaires, and literature review. Results: The findings from the SWOT analysis show that pesantren are positioned in Cell V and Quadrant I, indicating strong internal capabilities and favorable external opportunities for developing a Shariah-based entrepreneurial ecosystem. The ANP analysis identifies four main priority strategies: strengthening capacity building, fostering organizational culture and governance, enhancing institutional cohesion, and developing human resources. Conclusion and suggestion: The study contributes by proposing a strategic model that can serve as a practical guideline for pesantren in developing their entrepreneurial ecosystem. The implementation of these integrated strategies is expected to promote sustainable entrepreneurship and strengthen economic independence within pesantren.

The Impact of Love of Money and Islamic Financial Literacy on Muslims' Financial Self-Management in East Java Findartika, Lusianah Dhewi; Adiba, Elfira Maya
Journal of Islamic Economic Laws Vol. 9 No. 01 (2026): January
Publisher : Universitas Muhammadiyah Surakarta

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.23917/jisel.v9i01.15159

This study aims to analyze the influence of Islamic financial literacy and the love of money on Muslims' personal financial management in East Java, both directly and through the mediation of financial self-efficacy. The study used a quantitative approach, employing a survey of Muslims from Generations Y and Z in East Java, selected through purposive sampling. Data analysis was conducted using Partial Least Squares–Structural Equation Modeling (PLS-SEM). The results showed that Islamic financial literacy and love of money have a significant positive effect on personal financial management and financial self-efficacy. Financial self-efficacy was shown to have the strongest influence on personal financial management and acts as a partial mediator in the relationship between Islamic financial literacy and love of money with personal financial management. In conclusion, improving Muslim personal financial management requires not only strengthening Islamic financial literacy but also building financial self-confidence. Therefore, an effective Islamic financial literacy program needs to integrate cognitive and psychological aspects simultaneously.

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