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KUALITAS PELAYANAN DAN PENGARUHNYA TERHADAP TINGKAT KEPUASAN NASABAH DI BMT UGT SIDOGIRI CAPEM WARU Rahmawati, Lilik; Hudayatin, Nofiana
El-Qist: Journal of Islamic Economics and Business (JIEB) Vol. 4 No. 1 (2014): April
Publisher : Islamic Economics Department, Faculty of Islamic Economics and Business, Sunan Ampel State Islamic University, Surabaya Indonesia

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.15642/elqist.2014.4.1.763-788

Abstract

The quality of service has a close relationship with customer satisfaction. The quality of service provided an impetus to the customer to establish bonds of strong relationships with the company. When already interwoven bond, then the customer will choose the company and when they came to the company, they already have expectations about what kind of service will be obtained (acceptable) based on previous experience, communication, Word of mouth has ever heard, other information has ever been received, as well as the influence of the need. The service ever experienced will become the accepted standard of comparison services at this time. Based on that background, the outline of the problem surfaced, namely: whether quality of service indicators simultaneously influences on satisfaction clients in BMT UGT Sidogiri Waru Branch? Whether quality of service indicators affects customer satisfaction against partially in BMT UGT Sidogiri Waru Branch? And what indicators are most influential to the satisfaction of the customer in BMT UGT Sidogiri Waru Branch? The purpose of this research is to know the influence of partially and simultaneous, as well as the most dominant indicator of service quality on customer satisfaction levels in response to BMT UGT Sidogiri Waru Branch. The dimensions of service quality consist of intangibles, reliability, response, reassurance and empathy. This research uses descriptive quantitative methods, with incidental sampling technique with a number of respondents as much as 88 clients. The results of data analysis using regression analysis showed that, simultaneously, the quality of service which consists of intangible variables, reliability, response, reassurance and empathy to the customer with the highest level of satisfaction F_hitung > F_tabel 2,368 3,626 and significance of 0.005. Partially, intangible factors have a significant influence on the value significance of 0,249, whereas the factors of reliability, response, reassurance and empathy don’t have significant effects. The most dominant factor influence on satisfaction clients is a tangible factor, because the value of the significance of these factors most of 0.264. The regression equation is obtained as follows: Y = 5.492 + 0.179X1 + 0.115X2 + 0.122X3 – 0.007X4 + 0.113X5 indicates that increasing the quality of service in terms of intangibles can increase customer satisfaction.
Assessing the Sharia Compliance of Hotel Facilities and Services in East Java: A Comparative Analysis of National and International Standards Rahmawati, Lilik; Pratikto, Muhammad Iqbal Surya; Wigati, Sri; Muflihin, Muhammad Dliyaul; Rahmani, Nur Maulidah Dini; Muntazeri, Eliya Najma
El-Qist: Journal of Islamic Economics and Business (JIEB) Vol. 15 No. 1 (2025): April
Publisher : Islamic Economics Department, Faculty of Islamic Economics and Business, Sunan Ampel State Islamic University, Surabaya Indonesia

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.15642/elqist.2025.15.1.32-44

Abstract

This study aims to examine the compliance of Sharia-compliant hotels in East Java, Indonesia, with both national standards (DSN-MUI Fatwa No. 108/2016) and international benchmarks (CrescentRating and Salam Standard). Utilizing a qualitative methodology involving field observations and semi-structured interviews across three hotels—Namira Syariah Surabaya, Radho Syariah Malang, and Walan Syariah Sidoarjo—the research reveals partial yet consistent alignment with core Sharia hospitality principles. These include the prohibition of immoral activities, availability of prayer amenities, and the absence of alcohol and gambling. However, the integration of Islamic financial institutions remains absent across all hotels, indicating a gap in full Sharia compliance as defined nationally. From an international perspective, all hotels meet the "Accommodates" level (Level 4) under CrescentRating and correspond to Silver or Gold tiers in the Salam Standard. This study contributes to global halal tourism scholarship by offering a multi-framework compliance assessment model that can guide policy formulation and standardization efforts in Muslim-friendly destinations. It also emphasizes the urgent need for unified regulatory frameworks, formal certification, and integration of Islamic finance within the halal hospitality sector. Future research should extend this analysis to higher-rated hotels and conduct cross-regional comparisons to assess consistency in compliance and service quality.
Implementasi Blue Economy di Wilayah Pesisir Kenjeran Surabaya Mukaromah, Hani; Rahmawati, Lilik
OECONOMICUS Journal of Economics Vol. 7 No. 2 (2023): (June) edisi 14
Publisher : Program Studi Ilmu Ekonomi UIN Sunan Ampel Surabaya

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.15642/oje.2023.7.2.101-114

Abstract

This study aims to explain the implementation of the blue economy concept in the Kenjeran coastal area of ​​Surabaya. This research uses a descriptive method with a qualitative approach. The type of data used is primary and secondary data. Primary data obtained from observation and interviews with informants. Secondary data comes from literature reviews on official government websites, previous research journals, scientific papers, and other literacy sources. The results of the study reveal that of the 4 principles and indicators that serve as a reference for implementing the blue economy concept in the Kenjeran coastal area of ​​Surabaya, there are 3 principles that have been implemented and 1 principle in the pursuit stage.
Rantai Pasok Halal Minuman Herbal dalam Mendukung Sustainabilitas Bisnis di UMKM Jelly Barokah Genteng Surabaya Nurlailah, Nurlailah; Rahmawati, Lilik; Ali Mustofa, Imam
OECONOMICUS Journal of Economics Vol. 9 No. 1 (2024): (December) edisi 17
Publisher : Program Studi Ilmu Ekonomi UIN Sunan Ampel Surabaya

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.15642/oje.2024.9.1.74-81

Abstract

This study aims to determine the halal supply chain of herbal drinks in supporting business sustainability (implementation at MSME Jelly Barokah Genteng, Surabaya) through field studies. This research uses a qualitative approach. Research data collection techniques through field studies and documentation. Field studies were conducted through observation and interviews. The halal supply chain is used to indicate the halalness of a product in terms of starting from the production preparation process, production process, to the distribution process. In this study, it was found that the MSMEs of Jelly Barokah herbal drinks have been certified halal MUI east Java Province and meet the halal supply chain in the production of their products. The implementation of the 3P aspect, namely the profit aspect, the people aspect, and the planetary aspect in the halal supply chain of herbal beverage products from Jelly Barokah MSMEs, aims to maintain the sustainability of their business. The purpose of implementing 3P also means that the production of herbal drinks from MSMEs Jelly Barokah is not only based on the profits of MSME owners, but the production of each herbal drink product is also reviewed from the aspects of the community around MSME actors and aspects of the surrounding environment
Pendampingan Bisnis Syariah pada Buruh Outsourcing Korban PHK di Kawasan Industri Manyar Gresik Rahmawati, Lilik; Hakim, Abdul; Nurlailah, Nurlailah; Mustofa, Imam Ali
OECONOMICUS Journal of Economics Vol. 8 No. 2 (2024): (June) edisi 16
Publisher : Program Studi Ilmu Ekonomi UIN Sunan Ampel Surabaya

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.15642/oje.2024.8.2.163-173

Abstract

The termination of employment (PHK) experienced by outsourced factory workers has a huge economic impact. Business assistance is an urgent matter for ex-layoff outsourced workers. Assistance for ex-layoff outsourced workers is carried out in the form of sharia business assistance. The mentoring model that is carried out is comprehensive. Comprehensive assistance is intended as assistance in all aspects of soft skills and hard skills of sharia business including creative and strategic thinking skills, effective communication, networking, analysis and decision-making skills, negotiation skills, time management, marketing management, financial management. Mentoring method with ABCD approach. This assistance is focused on the context of understanding and internalizing assets, potential, strength, and utilizing assets independently. Based on the analysis of the service team, the labor community actually has potential and character that can be developed so that it becomes income generating for the family. Several relevant businesses have been found that are tailored to their respective talents.
Optimizing Sustainability through 7P Marketing Mix at MCA House in the Development of Halal Modest Fashion Industry Izniyah, Izniyah; Rahmawati, Lilik; Mazza Basya, Maziyah
PESHUM : Jurnal Pendidikan, Sosial dan Humaniora Vol. 4 No. 2: Februari 2025
Publisher : CV. Ulil Albab Corp

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.56799/peshum.v4i2.6838

Abstract

The halal modest fashion industry has seen a marked increase in recent years. In this situation, MCA House, a company engaged in modest fashion, has played an important role in the development of this industry. The purpose of this journal is to analyze and evaluate the marketing strategy of 7P mit (Product, Price, Place, Promotion, People, Process, Physical Evidence) applied by MCA House in the development of halal modest fashion industry. The research method used is descriptive qualitative research. Data were collected through in-depth interviews with the marketing manager of MCA House and direct observation of the company's operations. The analysis shows that MCA House has a solid and comprehensive marketing strategy that implements the 7P mix effectively In the product aspect, MCA House offers a variety of modest clothing with trendy designs and in accordance with halal principles Pricing is done by considering quality factors, market purchasing power, and product excellence. In terms of distribution, MCA House uses online and offline distribution channels to ensure product accessibility Promotion is done through social media campaigns, collaboration with influencers, and participation in fashion events. In addmon, MCA House also prioritizes customer experience and provides quality services An easy and efficient purchasing process, as well as friendly and knowledgrable staff, provades high customer satisfaction. The physical evidence presented through attractive product packaging and aesthetically pleasing store presentation also provades a positive customer experience. In conclusion, the 7P marketing mix strategy implemented by MCA House helps in the development of the halal modest fashion industry
Fenomena dan Perilaku Belanja Online Melalui Tiktok Shop pada Generasi Z Perspektif Konsumsi Islam majid, khikam ali; Rahmawati, Lilik
Jurnal Ilmiah Ekonomi Islam Vol. 10 No. 2 (2024): JIEI : Vol.10, No.2, 2024
Publisher : ITB AAS INDONESIA Surakarta

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.29040/jiei.v10i2.13383

Abstract

Abstract Online shopping through TikTok Shop has become a significant phenomenon among Generation Z, transforming the modern trading landscape. In this context, it is important to understand how this phenomenon affects the consumption behavior of Generation Z from an Islamic perspective. This study uses a qualitative approach with in-depth interviews and content analysis to investigate the phenomenon and online shopping behavior through TikTok Shop from the perspective of Islamic consumption. The research findings indicate that online shopping through TikTok Shop significantly influences the consumption behavior of Generation Z in the context of Islamic consumption. They tend to choose products that align with Islamic values, such as halal and environmentally friendly products. The content presented on TikTok Shop also affects consumer shopping patterns, both positively and negatively, depending on its alignment with Islamic teachings. However, there are also challenges faced by Generation Z consumers in ensuring compliance with Islamic consumption principles when shopping online through TikTok Shop. One of these challenges is uncertainty about the halal status of the products offered and the influence of content that does not always align with Islamic values. Therefore, further efforts are needed from various parties to increase consumer awareness and provide products and content that better align with Islamic consumption principles.This research provides valuable insights into how the phenomenon of online shopping through TikTok Shop influences the consumption behavior of Generation Z from an Islamic perspective. The implications of this research can be used as a basis for developing better policies to support sustainable consumption and adherence to Islamic principles in the rapidly evolving digital trading era. Keywords : Phenomenon, Online Shopping through, Tiktok Shop, Generation Z, Islamic Consumption. Abstrak Belanja online melalui TikTok Shop telah menjadi fenomena signifikan di kalangan Generasi Z, mengubah lanskap perdagangan modern. Dalam konteks ini, penting untuk memahami bagaimana fenomena ini memengaruhi perilaku konsumsi Generasi Z dari sudut pandang Islam. Studi ini menggunakan pendekatan kualitatif dengan wawancara mendalam dan analisis konten untuk menyelidiki fenomena dan perilaku belanja online melalui TikTok Shop dari perspektif konsumsi Islam. Temuan penelitian menunjukkan bahwa belanja online melalui TikTok Shop secara signifikan memengaruhi perilaku konsumsi Generasi Z dalam konteks konsumsi Islam. Mereka cenderung memilih produk yang sejalan dengan nilai-nilai Islam, seperti produk halal dan ramah lingkungan. Konten yang disajikan di TikTok Shop juga memengaruhi pola belanja konsumen, baik secara positif maupun negatif, tergantung pada kesesuaiannya dengan ajaran Islam. Namun, ada juga tantangan yang dihadapi konsumen Generasi Z dalam memastikan kepatuhan dengan prinsip konsumsi Islam saat berbelanja online melalui TikTok Shop. Salah satu tantangan ini adalah ketidakpastian tentang status halal produk yang ditawarkan dan pengaruh konten yang tidak selalu sejalan dengan nilai-nilai Islam. Oleh karena itu, upaya lebih lanjut diperlukan dari berbagai pihak untuk meningkatkan kesadaran konsumen dan menyediakan produk dan konten yang lebih sejalan dengan prinsip konsumsi Islam. Penelitian ini memberikan wawasan berharga tentang bagaimana fenomena belanja online melalui TikTok Shop memengaruhi perilaku konsumsi Generasi Z dari sudut pandang Islam. Implikasi dari penelitian ini dapat digunakan sebagai dasar untuk mengembangkan kebijakan yang lebih baik untuk mendukung konsumsi yang berkelanjutan dan kepatuhan terhadap prinsip Islam dalam era perdagangan digital yang berkembang pesat. Kata Kunci: Fenomena, Perilaku Belanja Online, Toko Tiktok, Generasi Z, Konsumsi Islam. Abstract Online shopping through TikTok Shop has become a significant phenomenon among Generation Z, transforming the modern trading landscape. In this context, it is important to understand how this phenomenon affects the consumption behavior of Generation Z from an Islamic perspective. This study uses a qualitative approach with in-depth interviews and content analysis to investigate the phenomenon and online shopping behavior through TikTok Shop from the perspective of Islamic consumption. The research findings indicate that online shopping through TikTok Shop significantly influences the consumption behavior of Generation Z in the context of Islamic consumption. They tend to choose products that align with Islamic values, such as halal and environmentally friendly products. The content presented on TikTok Shop also affects consumer shopping patterns, both positively and negatively, depending on its alignment with Islamic teachings. However, there are also challenges faced by Generation Z consumers in ensuring compliance with Islamic consumption principles when shopping online through TikTok Shop. One of these challenges is uncertainty about the halal status of the products offered and the influence of content that does not always align with Islamic values. Therefore, further efforts are needed from various parties to increase consumer awareness and provide products and content that better align with Islamic consumption principles.This research provides valuable insights into how the phenomenon of online shopping through TikTok Shop influences the consumption behavior of Generation Z from an Islamic perspective. The implications of this research can be used as a basis for developing better policies to support sustainable consumption and adherence to Islamic principles in the rapidly evolving digital trading era. Keywords : Phenomenon, Online Shopping through, Tiktok Shop, Generation Z, Islamic Consumption.
WAKAF UANG DIGITAL: TRANSFORMASI DAN IMPLEMENTASI DI INDONESIA Amaliyah, Nabilatul; Maslahah, Maslahah; Leviansyah, M. Rizal; Pramuja, Moch. Wahyu; Rahmawati, Lilik
Al-Infaq: Jurnal Ekonomi Islam Vol. 13 No. 1 (2022)
Publisher : Fakultas Agama Islam, Universitas Ibn Khaldun Bogor

Show Abstract | Download Original | Original Source | Check in Google Scholar

Abstract

Wakaf uang di Indonesia memiliki potensi yang sangat besar jika dapat dikembangkan dengan baik. Selain itu, karena beberapa tahun terakhir teknologi dan fenomena digitalisasi berkembang sangat pesat, maka hal ini menjadi alasan untuk mempercepat transformasi wakaf uang menjadi berbasis digital. Jurnal ini dibuat dengan tujuan untuk untuk mengeksplorasi tentang transformasi pengembangan serta pengimplementasian wakaf uang digital di Indonesia. Penelitian dilakukan secara kepustakaan dengan teknik data sekunder. Sehingga dapat diketahui bahwa pengembangan dan transformasi wakaf uang digital dimulai sejak 2012, yaitu saat DSN-MUI mengeluarkan fatwa mengenai wakaf uang. Sehingga sejak saat itu wakaf uang mulai marak di masyarakat dan banyak dikenal. Teknologi dan fenomena digitalisasi menjadi alasan untuk turut mempercepat transformasi wakaf uang, yang mana saat ini dapat kita tunaikan dimana saja dan kapan saja. Beberapa tahun terakhir ini, berbagai lembaga mulai berlomba-lomba menciptakan wakaf uang dengan berbasis digital. Implementasi wakaf uang digital di beberapa platform atau lembaga wakaf memanfaatkan kemajuan teknologi dan internet. Sehingga mereka menyuguhkan kemudahan berwakaf seperti melalui media sosial, website, atau bahkan berupa aplikasi. Selain itu, wakif juga bisa memilih program wakaf dan metode pembayaran yang diinginkannya. Hal ini diharapkan dapat memudahkan wakif dalam berwakaf sehingga pada waktu berikutnya dapat menarik minat masyarakat luas untukberwakaf dan dapat meningkat serta bertumbuh pesat.
GENERATION Z’S INTEREST IN USING SHARIA DIGITAL BANKS AS A FINANCIAL SERVICE IN THE ERA OF DISRUPTION Muharromah, Gabriele Lailatul; Mustofa, Mustofa; Rahmawati, Lilik
Al-Infaq: Jurnal Ekonomi Islam Vol. 15 No. 1 (2024)
Publisher : Fakultas Agama Islam, Universitas Ibn Khaldun Bogor

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.32832/alinfaq.v15i1.2148

Abstract

The banking industry is presently undergoing innovation by integrating cutting-edge technology to establish digital banks. A digital bank conducts its operations exclusively online through an application and typically has a central office. In Indonesia, there is a growing popularity of digital banks, with a noticeable emergence of Sharia-based digital banks. However, the progress of Islamic digital banks is comparatively slower when compared to non-Sharia counterparts. Capitalizing on the familiarity of Gen Z with technology, this study aims to explore how the variables of convenience, security, and religiosity individually and collectively influence the inclination of Generation Z in Surabaya to use Islamic digital banks. The research adopts a quantitative approach, specifically causal research, and collects data through online questionnaires distributed via Google Forms. With a sample size of 170 respondents selected through purposive sampling, the study employs SmartPLS 3 software for data processing and analysis. Findings indicate that the convenience variable positively and significantlyimpacts the interest in using Islamic digital banks, while the security variable also exerts a positive and significant influence. However, the religiosity variable does not show a significant effect on the interest in using Islamic digital banks. When considered together, convenience, security, and religiosity collectively influence the interest in using Islamic digital banks.
Business Development Strategies of Culinary MSME Based on Islamic Economic Principles Hikmah, Durrotul; Rohman, Afifur; Rahmawati, Lilik
Research Horizon Vol. 5 No. 6 (2025): Research Horizon - December 2025
Publisher : LifeSciFi

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.54518/rh.5.6.2025.968

Abstract

Indonesia’s rich culinary diversity not only represents cultural and historical identity but also constitutes a strategic economic sector that significantly contributes to the national gross domestic product and employment, particularly through micro, small, and medium enterprises. This study aims to analyze the integration of Islamic economic principles in the business development strategy of the culinary MSME restaurant. A qualitative phenomenological approach was employed to explore the lived experiences underlying the implementation of these principles. Data were collected through in-depth interviews with two employees and seven customers, supported by observations and document analysis. The findings indicate that the consistent internalization of Islamic economic principles functions not only as an ethical foundation but also as a strategic resource that enhances business sustainability. The principle of justice is reflected in fair and timely employee compensation and affordable pricing, honesty is manifested through transparency in raw materials and pricing, and halal principle is implemented across the production and supply chain. These practices foster trust, employee engagement, customer loyalty, and strengthen intangible assets such as reputation and value-based branding. The study implies that Islamic economic principles can serve as a viable strategic framework for culinary MSMEs when combined with adaptive management and innovation.