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UNRAVELING THE DRIVERS OF CUSTOMER LOYALTY IN SHOPEE INDONESIA: A META-ANALYSIS OF BRAND IMAGE, BRAND TRUST, E-SERVICE QUALITY, AND CUSTOMER SATISFACTION Cahyono Arjo, Julian Grazius; Lasiyono, Utung; Afkar, Taudlikhul
International Journal of Economics, Business and Accounting Research (IJEBAR) Vol 8, No 3 (2024): IJEBAR, VOL. 8, ISSUE 3, September 2024
Publisher : LPPM ITB AAS INDONESIA (d.h STIE AAS Surakarta)

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.29040/ijebar.v8i3.13873

This study aims to identify the factors influencing Shopee customer loyalty in Indonesia, focusing on brand image, brand trust, e-service, and customer satisfaction. The meta-analysis method is used to analyze the results of several relevant studies in this context. The meta-analysis results show that brand image has a significant positive relationship with customer loyalty, but is not significantly influenced by customer satisfaction. conversely, brand trust and e-service have a significant positive relationship with customer loyalty, and customer satisfaction partially mediates the relationship between these two factors and Shopee customer loyalty. These findings indicate that brand image has a strong direct influence on customer loyalty, while brand trust and e-service can enhance customer loyalty both directly and through customer satisfaction. This underscores the importance of building a strong brand image, high consumer trust, and good electronic services to increase customer loyalty on e-commerce platforms such as Shopee in Indonesia.

NON PERFORMING FINANCING OF BUYING AND SELLING FINANCING SCHEMES ISLAMIC BANKING IN INDONESIA : DURING AND AFTER THE COVID 19 PANDEMIC Fauziyah, Fauziyah; Kurniawan, Widiar Onny; Hariawan, Ferry; Afkar, Taudlikhul; Utomo, Sigit Prihanto; Alviansyah, Redondo; Agustin, Fannisa Putri
International Journal of Economics, Business and Accounting Research (IJEBAR) Vol 8, No 4 (2024): IJEBAR, VOL. 08 ISSUE 04, DECEMBER 2024
Publisher : LPPM ITB AAS INDONESIA (d.h STIE AAS Surakarta)

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.29040/ijebar.v8i4.16139

Non-performing financing is a problem for every sharia financial institution that distributes financing to customers who are the result of failure to pay. This research aims to conduct a test of the difference between non-performing financing from buying and selling financing, namely murabahah and istishna' Islamic Bank in Indonesia during the covid-19 pandemic and after the covid-19 pandemic. The research method used is quantitative research with consideration of generalizing the research results into a more general form so that it is easy to understand. The population in this study is 14 Sharia Commercial Banks, which are also used as a sample for this research. The sampling technique used in this study is the Saturated sample technique by using all the populations as samples because the number is relatively small with the consideration that all samples are considered homogeneous in the distribution of the data used. The data used is the combined financial statements of 14 Sharia Commercial Banks in Indonesia with the division of data for 2020-2021 as data during the Covid-19 pandemic, while the data for 2022-2023 is data after the Covid-19 pandemic. The data analysis technique used in this study is a paired sample t-test which is used to conduct a differential test of non-performing financing from murabahah financing and istishna financing. The findings of this research show that non-performing financing murabahah financing shows a difference with a tendency to increase. Meanwhile, non-performing financing of istishna financing shows a difference with a tendency to decrease

INTERNAL FACTOR OF MSMEs IN THE POST-PANDEMIC COVID-19 : OBSTACLES OR DETERMINANTS FOR BUSINESS SUSTAINABILITY Lelimawarti, Anis; Afkar, Taudlikhul
International Journal of Economics, Business and Accounting Research (IJEBAR) Vol 8, No 3 (2024): IJEBAR, VOL. 8, ISSUE 3, September 2024
Publisher : LPPM ITB AAS INDONESIA (d.h STIE AAS Surakarta)

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.29040/ijebar.v8i3.14626

The strength of MSMEs during the Covid-19 pandemic really tested their business continuity. Internal factors such as capital, quality of human resources, business networks, mentality of business actors, and transparency are determinants in maintaining business sustainability to develop businesses to become more resilient. The purpose of this research is to show that these internal factors are obstacles or determinants of the sustainability of MSMEs post-pandemic Covid-19. The sampling technique in this research used stratified random sampling by classifying the number of MSMEs in 5 regions in Surabaya. The data collection technique uses survey via questionnaire with 200 respondents who are divided according to the proportion of the number of MSMEs in each region. Data analysis using SEM-PLS. The findings of this research show that capital, quality of human resources, business networks are determining factors in the sustainability of MSMEs with dominance in the capital factor, while transparency is a determining factor in the decline of MSMEs. The next findings show that the mentality of business actors is an obstacles factor in the sustainability of MSMEs

NON PERFORMING FINANCING OF BUYING AND SELLING FINANCING SCHEMES ISLAMIC BANKING IN INDONESIA : DURING AND AFTER THE COVID 19 PANDEMIC Fauziyah, Fauziyah; Kurniawan, Widiar Onny; Hariawan, Ferry; Afkar, Taudlikhul; Utomo, Sigit Prihanto; Alviansyah, Redondo; Agustin, Fannisa Putri
International Journal of Economics, Business and Accounting Research (IJEBAR) Vol 8 No 4 (2024): IJEBAR, VOL. 08 ISSUE 04, DECEMBER 2024
Publisher : LPPM ITB AAS INDONESIA (d.h STIE AAS Surakarta)

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.29040/ijebar.v8i4.16139

Non-performing financing is a problem for every sharia financial institution that distributes financing to customers who are the result of failure to pay. This research aims to conduct a test of the difference between non-performing financing from buying and selling financing, namely murabahah and istishna' Islamic Bank in Indonesia during the covid-19 pandemic and after the covid-19 pandemic. The research method used is quantitative research with consideration of generalizing the research results into a more general form so that it is easy to understand. The population in this study is 14 Sharia Commercial Banks, which are also used as a sample for this research. The sampling technique used in this study is the Saturated sample technique by using all the populations as samples because the number is relatively small with the consideration that all samples are considered homogeneous in the distribution of the data used. The data used is the combined financial statements of 14 Sharia Commercial Banks in Indonesia with the division of data for 2020-2021 as data during the Covid-19 pandemic, while the data for 2022-2023 is data after the Covid-19 pandemic. The data analysis technique used in this study is a paired sample t-test which is used to conduct a differential test of non-performing financing from murabahah financing and istishna financing. The findings of this research show that non-performing financing murabahah financing shows a difference with a tendency to increase. Meanwhile, non-performing financing of istishna financing shows a difference with a tendency to decrease

PEMBERDAYAAN IBU-IBU PKK DESA WONOKALANG MELALUI ECOPRINT SEBAGAI KREATIVITAS DAN INOVASI PEMANFAATAN BAHAN ALAMI YANG RAMAH LINGKUNGAN Afkar, Taudlikhul; Maharani, Juniar Sofhia; Syifani, Nisa Maulina; Irnanda, Zulfa Risma; Mukhowimah, Mukhowimah; Agustin, Silvi; Widyanti, Natasya Chindy; Sundari, Afrinda Rahma; Elvian, Jessisca Happy Sherlina; Adella S, Nadiva Tri; Raditya, Gita; Wulandari, Yasmin Azaria
BUDIMAS : JURNAL PENGABDIAN MASYARAKAT Vol. 6 No. 3 (2024): BUDIMAS : Jurnal Pengabdian Masyarakat
Publisher : LPPM ITB AAS Indonesia Surakarta

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.29040/budimas.v6i3.15001

Ecoprint merupakan salah satu teknik membatik yang sangat mudah proses pembuatannya. Sehingga teknik ini sering kali digunakan dalam kegiatan pelatihan dan sebagainya. Kelebihan membatik dengan teknik ini adalah penggunaan bahan alam yang ada disekitar tempat tinggal, sehingga tidak mengeluarkan banyak modular dalam pengolahannya, serta tidak membuat pencemaran terhadap lingkungan sekitar. Melalui pelatihan dengan teknik ini diharapkan bisa menambah wawasan pengetahuan terhadap ibu-ibu PKK yang ada di desa wonokalang, kecamatan wonoayu terkait pemanfaatan bahan alami. Tujuan dilakukannya pelatihan ini agar bisa menambah pengalaman ibu-ibu PKK di desa serta bisa dijadikan sebagai usaha jika para ibu-ibu PKK mau untuk mengembangkan kembali. Disini pelatihan tidak hanya bermanfaat untuk ibu-ibu PKK, tapi juga untuk ibu-ibu yang ada di desa serta anak-anak. Metode yang digunakan dalam pengabdian ini ialah sosialisasi dan penyampaian materi terkait ecoprint yang dilanjutkan dengan praktik membatik ecoprint secara langsung. Hasil pelatihan menunjukkan bahwa peserta pelatihan antusias dalam mengikuti kegiatan tersebut dari awal hingga akhir. Melalui kegiatan pelatihan yang telah dilakukan, diharapkan ibu-ibu PKK Desa wonokalang dapat mengetahui cara membatik sederhana dengan memanfaatkan bahan alami yang ada di lingkungan sekitar serta dapat menyebarkan pengetahuan yang telah diperoleh dari pelatihan ini.

NAVIGATING THE DIGITAL MARKETPLACE: THE IMPACT OF E-COMMERCE AND SERVICE QUALITY ON ONLINE PURCHASE DECISIONS Putri, Nastiti Yulisna; Lasiyono, Untung; Afkar, Taudlikhul
International Journal of Economics, Business and Accounting Research (IJEBAR) Vol 8 No 2 (2024): IJEBAR, VOL. 08 ISSUE 02, JUNE 2024
Publisher : LPPM ITB AAS INDONESIA (d.h STIE AAS Surakarta)

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.29040/ijebar.v8i2.13204

This study reveals how e-commerce and service quality impact online purchase decisions among housewives. This study is motivated by the rapid growth of e-commerce, which has significantly changed purchasing dynamics and consumer behavior, especially among housewives, who play an essential role in purchasing decisions. The purpose of this study is to explore whether e-commerce and service quality have an impact on online purchasing decisions. The population in this study consisted of housewives in the Cerme sub-district in Gresik district - East Java. The population was sampled using the Cluster Random Sampling technique, so 239 respondents were used. The data analysis technique used is multiple linear regression. The results revealed that e-commerce and quality services together have a significant impact on online purchasing decisions. Further results show that consumer behavior variables also influence online purchasing decisions. Finally, this study has a significant relationship with the digital marketplace business and industry and recommendations for further research.

Detection of Financial Statement Fraud in Mining Companies on the Indonesia Stock Exchange Kurniawan, Widiar Onny; Saidon, Intan Marzita; Afkar, Taudlikhul; Ferara, Wanudya Ajeng
GREENOMIKA Vol. 7 No. 1 (2025): GREENOMIKA
Publisher : Universitas Nahdlatul Ulama Sidoarjo

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.55732/unu.gnk.2025.07.1.10

Financial statement fraud is a serious threat to investor confidence and capital market stability. This study aims to determine indications of financial statement manipulation in mining sub-sector companies listed on the Indonesia Stock Exchange (IDX) using the Beneish M-Score model. This study uses a quantitative approach with secondary data from the company's financial statements during the 2020-2023 period. A total of 15 companies were sampled based on certain criteria. The results of the analysis show that around 47% of the sample companies have an M-Score value above the -2.22 threshold, which means they have the potential to manipulate financial statements. This finding supports the fraud triangle theory and emphasizes the importance of a stronger supervisory system, especially in industries prone to external pressures such as mining. This research is expected to provide an initial overview for inventors, auditors, and regulators in assessing financial risk and as a reference in strengthening corporate governance.

Detection of Financial Statement Fraud in Mining Companies on the Indonesia Stock Exchange Kurniawan, Widiar Onny; Saidon, Intan Marzita; Afkar, Taudlikhul; Ferara, Wanudya Ajeng
GREENOMIKA Vol. 7 No. 1 (2025): GREENOMIKA
Publisher : Universitas Nahdlatul Ulama Sidoarjo

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.55732/unu.gnk.2025.07.1.10

Financial statement fraud is a serious threat to investor confidence and capital market stability. This study aims to determine indications of financial statement manipulation in mining sub-sector companies listed on the Indonesia Stock Exchange (IDX) using the Beneish M-Score model. This study uses a quantitative approach with secondary data from the company's financial statements during the 2020-2023 period. A total of 15 companies were sampled based on certain criteria. The results of the analysis show that around 47% of the sample companies have an M-Score value above the -2.22 threshold, which means they have the potential to manipulate financial statements. This finding supports the fraud triangle theory and emphasizes the importance of a stronger supervisory system, especially in industries prone to external pressures such as mining. This research is expected to provide an initial overview for inventors, auditors, and regulators in assessing financial risk and as a reference in strengthening corporate governance.

Analisis Implementasi Manajemen Pendidikan dalam Meningkatkan Mutu Pendidikan Ponpes Modern Alkautsar Askandariyah Srono Banyuwangi: Analysis of the Implementation of Educational Management in Improving the Quality of Education at the Modern Islamic Boarding School of Alkautsar Askandariyah Srono Banyuwangi Putri, Yani Eka; Lasiyono, Untung; Afkar, Taudlikhul
Edu Cendikia: Jurnal Ilmiah Kependidikan Vol. 5 No. 02 (2025): Research Articles, August 2025
Publisher : ITScience (Information Technology and Science)

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.47709/educendikia.v5i02.6858

Alkautsar Askandariyah Modern Islamic Boarding School, Banyuwangi, has unique characteristics by combining the study of classical texts (yellow books) with general knowledge, while also equipping students with Arabic and English language skills. Efforts to improve the quality of education at this Islamic boarding school require structured management oriented toward both academic development and character building. This study employs a descriptive qualitative method with data collection techniques that include observation, in-depth interviews, and documentation. Informants were selected purposively, consisting of caretakers, leaders, teachers, and students. Data analysis was conducted through the stages of data reduction, data presentation, and conclusion drawing. Educational management at this Islamic boarding school is carried out through four main stages: planning, organizing, implementing, and monitoring. Planning is guided by the "Pancajiwa" vision and mission and supported by an integrated curriculum. Organization is established through a hierarchical structure with a clear division of tasks. Program implementation includes the sorogan method, bandungan method, bilingual programs, and international classes. Supervision is conducted through periodic evaluations, academic competitions, and psychological assistance. The improvement of educational quality at Alkautsar Askandariyah Modern Islamic Boarding School is supported by strong, adaptive, and holistic management. This success requires attention not only to academic achievement but also to character development and the emotional well-being of students, despite challenges such as student adaptation and restrictions on device use. The implementation of the sorogan method, bandungan method, bilingual program, and international class has been proven to improve students’ academic and language competencies.

Adaptive and Participatory Financial Management in Private Vocational Schools: A Case Study of SMK Muhammadiyah 1 Taman Sidoarjo Zuroida, Ida; Lasiyono, Untung; Afkar, Taudlikhul
Jurnal Manajemen Bisnis Vol. 12 No. 2 (2025): September
Publisher : Pusat Penerbitan dan Publikasi Ilmiah, FEB, Universitas Muslim Indonesia

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.33096/jmb.v12i2.1250

This study examines financial management strategies at SMK Muhammadiyah 1 Taman Sidoarjo, focusing on planning, implementation, and accountability in student programs. Using a qualitative case study, data were collected through observations, interviews, questionnaires, and document analysis. The results show that participatory budgeting through the annual work meeting increases transparency and stakeholder involvement, while adaptive strategies address budget discrepancies, such as graduation costs. Systematic bookkeeping supports accountability, though reliance on manual systems remains a challenge. The study concludes that effective school financial management requires participatory decision-making, adaptive strategies, and digital innovation to strengthen efficiency and sustainability.

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