Landali, Aldiwanto
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Pengaruh Penggunaan Fitur Shopee Pay Terhadap Perilaku Konsumsi Islam Botutihe, Muhamad Rifki; Landali, Aldiwanto
Jurnal Ilmiah Ekonomi Islam Vol. 9 No. 3 (2023): JIEI : Vol.9, No.3, 2023
Publisher : ITB AAS INDONESIA Surakarta

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.29040/jiei.v9i3.10659

Abstract

This study aims to determine the effect of using the shopeepay feature on Islamic consumption behavior in the people of Gorontalo. Exogenous variables in this study, namely convenience, safety, and lifestyle and endogenous variables, namely, Islamic consumption behavior. The research method used is quantitative with multiple linear regression analysis data using EViews 12 Software. The results show that the convenience of the shopeepay feature has a positive and significant effect on Islamic consumption behavior, the safety of the shopeepay feature does not have a significant effect on Islamic consumption behavior, lifestyle has a significant effect on consumption behavior Islam.
Empirical Analysis of Islamic Financing: PLS and Non-PLS Impacts on Real Sector Botutihe, Rifki; Landali, Aldiwanto
Talaa : Journal of Islamic Finance Vol. 5 No. 2: December 2025
Publisher : Department of Sharia Financial Management, Institut Agama Islam Negeri Sultan Amai Gorontalo, Indonesia

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.54045/talaa.v5i2.798

Abstract

The main focus of this study is to understand why, despite PLS-based financing's advantages in terms of fair risk sharing and supporting long-term economic growth, its implementation is still limited compared to non-PLS schemes, which are considered simpler and less risky. Using an empirical approach based on data from Sharia financial institutions, this study assesses the relative contribution of the two financing models to real economic activity. The analysis was conducted through a comparison between PLS-based instruments, such as mudarabah and musharakah, with non-PLS instruments, such as murabahah, ijarah, and istishna. The result showed that PLS-based financing had a stronger positive influence on the real sector because it encouraged productive investment and fair risk sharing between funders and entrepreneurs. In contrast, non-PLS financing tended to be more dominant due to its lower risk and simpler operational mechanisms, but its link to real economic growth is relatively weaker. This study concludes that increasing the share of PLS-based financing can strengthen the sustainability and inclusiveness of the Islamic financial system. These findings offered important implications for policymakers, regulators, and practitioners in formulating strategies to strengthen the role of Islamic finance in sustainable real sector development.