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Convenient or Marketing matters? Unveiling the Determinants of Purchasing Decisions in Tokopedia E-Commerce Sufyan, Izeldin Khalid; Pamuncak, Mohammad Bintang
Journal of Digital Marketing and Halal Industry Vol 5, No 2 (2023)
Publisher : Fakultas Ekonomi dan Bisnis Islam UIN Walisongo

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.21580/jdmhi.2023.5.2.18247

This paper investigates the determinants of purchasing decision of Tokopedia e-commerce consumers with Gen-Z as a sample. This paper refers to Technology Acceptance Model (TAM) as theoretical framework, where the indicators use in this study combines both convenient matter in purchasing at e-commerce such as Artificial Intelligence (AI) and marketing matters from both digital and non-digital marketing i.e., Islamic Marketing Ethics (IME). This paper employs Structural Equation Model-Pooled Least Square (SEM-PLS). The results show that AI and Digital Marketing (DM) have positive and significant relationship to influence consumers’ decision to purchase in Tokopedia. Meanwhile, IME has positive but non-significant relationship with purchase decision. This paper argues that this is due to the respondents’ knowledge of Sharia compliance in e-commerce transaction and lack of IME indicators socialization by Tokopedia, where Tokopedia already implement some indicators of IME in their feature such as Halal Corner. The result expects to contribute to development of theoretical and practical implication, particularly on Marketing matters both digital and Islamic marketing ethics.

The Role of Waqf in Supporting Sustainable Development Goals: Linking theory and its practices Karimah, Diva Azka; Pamuncak, Mohammad Bintang; Mubin, Muhammad Khoerul
SUHUF Vol 35, No 2 (2023): November
Publisher : Universitas Muhammadiyah Surakarta

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.23917/suhuf.v35i2.23018

Poverty has become a main issue faced by many developing countries. It is worsened by the fact that a few rich people have equal wealth to most of the world's population. Hence attempts to reduce the poverty number have been initiated by many players including academicians and international organizations such as the United Nations through the United Nations Development Program (UNDP). On the other hand, Islamic philanthropy such as Waqf has been linked as a medium to not only eradicate poverty but also attempt to develop and empower society. Therefore, this study attempts to link waqf practices and Sustainable development goals (SDGs). This study uses qualitative methods i.e., explanatory studies. This study finds that waqf has similar characteristics with SDGs in at least 7 out of 17 goals of SDGs, including No Poverty goal, zero hunger goal, good health and wealth being goal, quality education goal, affordable and clean energy goal, decent work and economy goal, and industry, innovation, and infrastructure goal. Hence its promotion of the SDGs program is essential and undeniable. Future studies are encouraged to look further at the potential applications and practices of Waqf to the SDGs, particularly from the perspective of public policy and law.

The Urgency of Multicultural Education in Building a Civil Society: The Perspective of Islamic Educational Philosophy Masduki; Arfanaldy, Sehan Rifky; Pamuncak, Mohammad Bintang; Fahmi
International Journal of Islamic Thought and Humanities Vol. 4 No. 1 (2025): International Journal of Islamic Thought and Humanities
Publisher : Sekolah Tinggi Agama Islam Taruna Surabaya

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.54298/ijith.v4i1.399

Multicultural education is an urgent need in a pluralistic Indonesian society. This article examines the urgency of multicultural education from the perspective of Islamic educational philosophy as a foundation for building a tolerant, just, and inclusive civil society. This study collects and analyzes literature related to multicultural values in Islamic teachings and Islamic educational practices in Indonesia through a qualitative approach with a literature study method. The results of the study show that in the treasury of Islamic educational philosophy, there are fundamental principles that are in line with multicultural values, such as tolerance (tasamuh), justice ('adl), equality (musawah), respect for differences, and the spirit of deliberation (shura). Islam views diversity as part of the sunnatullah that cannot be avoided and must be addressed with mutual respect. However, the reality of Islamic education in Indonesia still shows the dominance of a normative-doctrinal approach, providing little space for cross-cultural dialogue and critical thinking. Therefore, a reconstruction of the paradigm of Islamic education that is inclusive and contextual is needed by instilling multicultural values in the curriculum, learning methods, and educational practices as a whole. Thus, Islamic education does not only function as a transmission of religious knowledge, but also as a tool for social transformation in building a harmonious civil society in diversity. This article highlights explicitly two main questions: (1) how multicultural values are integrated into Islamic educational philosophy, and (2) to what extent such integration contributes to forming a civil society. The main contribution of this study is to offer an integrative conceptual framework that combines Islamic values with the principles of multiculturalism, which can be used as a reference in developing inclusive and contextual Islamic educational policies and practices.

The Analysis of Crowdfunding Implementation as an Alternative Financing for Islamic Microfinance Institution Karimah, Diva Azka; Tamanni, Luqyan; Indra, Indra; Pamuncak, Mohammad Bintang
AL-MUZARA'AH Vol. 13 No. 1 (2025): AL-MUZARA'AH (June 2025)
Publisher : Department of Islamic Economics, IPB University

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.29244/jam.13.1.95-107

Islamic Microfinance Institutions (IMFIs) play a crucial role in delivering financial services to Micro, Small, and Medium Enterprises (MSMEs), thereby advancing financial inclusion and fostering economic empowerment. Despite their significance, IMFIs frequently encounter major constraints, particularly limited access to capital. In contrast, technological advancements have introduced innovative and efficient financing alternatives, most notably in the form of financial technology (fintech). This study investigates the potential for collaboration between IMFIs and fintech, with a particular emphasis on crowdfunding as a financing mechanism. It seeks to identify the benefits and opportunities, alongside the costs and risks, associated with the implementation of fintech-based crowdfunding as an alternative financing source for IMFIs. Adopting a critical review research paradigm and a mixed-method epistemological approach, the study employs two key methodologies: (1) the development of a typology outlining the benefits, opportunities, costs, and risks of collaboration; and (2) the application of the Analytic Network Process (ANP), using the typology as the foundation for model construction. Findings indicate that experts generally perceive the benefits and opportunities of such collaboration to outweigh the associated costs and risks. Notable advantages include enhanced access to capital and the cultivation of a more robust investment culture within IMFIs. On the other hand, key concerns include infrastructural limitations and the potential for capital loss. To mitigate these risks and maximize collaborative benefits, the study highlights the importance of strengthening institutional management across both IMFIs and fintech platforms.

IFRS Based Zakat Reporting: Adoption Rational Western Method Into Institutional Accountability Pamuncak, Mohammad Bintang; Possumah, Bayu Taufiq; Abdul Halim, Zairihan
IKONOMIKA Vol 3, No 1 (2018)
Publisher : Universitas Islam Negeri Raden Intan Lampung

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.24042/febi.v3i1.2512

ABSTRACTThis study aims to evaluate the characteristics of zakat institution and proposes the adoption of International Financial Reporting Standard (IFRS) since it has developed and provides various product i.e zakat for productive purpose. This is important, considering that one of the measurement of accountability and transparency of an institution is providing brief financial report towards its beneficaries. Thereby, this study found that practically zakat institution is simillar to the SMEs, and there are 11 strandard of IFRS for SMEs that could be applicable to zakat institutionto achieve accountability and transparency. However, this study is preliminary study that proposes a conceptual frameworkwhich limited to the sharia compliance of IFRS that could be applicable to zakat Institution. Keywords: IFRS for SMEs, SMEs Criteria, Zakat InstitutionJEL Classification:

Convenient or Marketing matters? Unveiling the Determinants of Purchasing Decisions in Tokopedia E-Commerce Sufyan, Izeldin Khalid; Pamuncak, Mohammad Bintang
Journal of Digital Marketing and Halal Industry Vol. 5 No. 2 (2023)
Publisher : Fakultas Ekonomi dan Bisnis Islam UIN Walisongo

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.21580/jdmhi.2023.5.2.18247

This paper investigates the determinants of purchasing decision of Tokopedia e-commerce consumers with Gen-Z as a sample. This paper refers to Technology Acceptance Model (TAM) as theoretical framework, where the indicators use in this study combines both convenient matter in purchasing at e-commerce such as Artificial Intelligence (AI) and marketing matters from both digital and non-digital marketing i.e., Islamic Marketing Ethics (IME). This paper employs Structural Equation Model-Pooled Least Square (SEM-PLS). The results show that AI and Digital Marketing (DM) have positive and significant relationship to influence consumers’ decision to purchase in Tokopedia. Meanwhile, IME has positive but non-significant relationship with purchase decision. This paper argues that this is due to the respondents’ knowledge of Sharia compliance in e-commerce transaction and lack of IME indicators socialization by Tokopedia, where Tokopedia already implement some indicators of IME in their feature such as Halal Corner. The result expects to contribute to development of theoretical and practical implication, particularly on Marketing matters both digital and Islamic marketing ethics.

Pengaruh Literasi, Religuisitas dan Pendapatan Terhadap Kepatuhan Muzakki dalam Membayar Zakat Pertanian di Daerah Bogor: BAZNAS KAB.BOGOR Olivia Widyasari Irsanti; Mohammad Bintang Pamuncak
El-Mal: Jurnal Kajian Ekonomi & Bisnis Islam Vol. 5 No. 10 (2024): El-Mal: Jurnal Kajian Ekonomi & Bisnis Islam
Publisher : Intitut Agama Islam Nasional Laa Roiba Bogor

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.47467/elmal.v5i10.3310

The National Amil Zakat Agency proposed the establishment of the Mustahik Economic Empowerment Agency as a solution. This organization is tasked with improving the quality of life of the beneficiaries through its programs. The purpose of this study is to examine the impact of literacy, religiosity, and income on agricultural zakat compliance in Bogor Regency. Study utilizes quantitative data from survey conducted on all Muslims who meet zakat nisab in Bogor City. A purposive sampling technique was used in selecting the research sample of 110 respondents. After the questionnaire has been validated, the data was collected and then analyzed using SMART PLS method. The analysis proves that literacy (X1), religious level (X2), and income (X3) have a significant effect on compliance (Y) of muzakki in paying agricultural zakat.

Analisis Pengaruh Pembiayaan LPEI Konvesional dan Syariah, Variabel Ekonomi Makro Terhadap Pertumbuhan Ekspor Indonesia: - Mohamad Mu’afa Taqiuddin Amir; Mohammad Bintang Pamuncak
Al-Kharaj: Jurnal Ekonomi, Keuangan & Bisnis Syariah Vol. 6 No. 11 (2024): Al-Kharaj: Jurnal Ekonomi, Keuangan & Bisnis Syariah
Publisher : Intitut Agama Islam Nasional Laa Roiba Bogor

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.47467/alkharaj.v6i11.3305

The purpose of this study is to evaluate the relationship between funding provided by LPEI in conventional and sharia forms to export growth, using two separate models to compare the two types of funding. This study also examines the relationship between inflation and the rupiah exchange rate on Indonesia's export growth. The analysis uses monthly data from 2015 to 2022 and ARDL approach in data analysis, with the help of EViews 12 to estimate the long-run and short-run impact of these variables on export growth. The results of this study show that in the short run, neither conventional nor sharia LPEI financing has a significant impact on export growth. The value of exports in the previous period and the previous two periods has a negative effect on current export growth. In contrast, export growth is positively affected by the value of exports in the previous three and four periods. Changes in the rupiah exchange rate in the previous period have a positive effect on export growth in the Islamic LPEI financing model, while changes in the inflation rate have no significant effect on export growth. In the long run, both conventional and Islamic LPEI financing do not have a major impact on export growth. The positive impact on export growth in the Islamic LPEI financing model is caused by fluctuations in the rupiah exchange rate in the long run. Changes in inflation do not have a significant impact on export growth based on other macroeconomic variables.

The Role of Waqf in Supporting Sustainable Development Goals: Linking theory and its practices Karimah, Diva Azka; Pamuncak, Mohammad Bintang; Mubin, Muhammad Khoerul
SUHUF Vol 35, No 2 (2023): November
Publisher : Universitas Muhammadiyah Surakarta

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.23917/suhuf.v35i2.23018

Poverty has become a main issue faced by many developing countries. It is worsened by the fact that a few rich people have equal wealth to most of the world's population. Hence attempts to reduce the poverty number have been initiated by many players including academicians and international organizations such as the United Nations through the United Nations Development Program (UNDP). On the other hand, Islamic philanthropy such as Waqf has been linked as a medium to not only eradicate poverty but also attempt to develop and empower society. Therefore, this study attempts to link waqf practices and Sustainable development goals (SDGs). This study uses qualitative methods i.e., explanatory studies. This study finds that waqf has similar characteristics with SDGs in at least 7 out of 17 goals of SDGs, including No Poverty goal, zero hunger goal, good health and wealth being goal, quality education goal, affordable and clean energy goal, decent work and economy goal, and industry, innovation, and infrastructure goal. Hence its promotion of the SDGs program is essential and undeniable. Future studies are encouraged to look further at the potential applications and practices of Waqf to the SDGs, particularly from the perspective of public policy and law.

Long-Run Determinants of Inflation in Malaysia and Indonesia: Does Geopolitical risk matter? Yahya, Yusri; Pamuncak, Mohammad Bintang
Journal of Sustainable Economics Vol. 1 No. 2 (2023): Journal of Sustainable Economics
Publisher : TALENTA PUBLISHER UNIVERSITAS SUMATERA UTARA

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.32734/jse.v1i2.14212

This study attempts to investigate the determinants of inflation in Malaysia and Indonesia in the long run. By using macroeconomic variables that theoretically matter to manage inflation such as money supply and exchange rate, this study also includes geopolitical risk index as proxy of uncertainty to be investigated further as another determinant that may cause the increasing of inflation rate in Malaysia and Indonesia. The data covers the period 2014:M11 to 2023:M8. Autoregressive distributed lag (ARDL) approach is employed to determine the long-run relationship. The main findings in this study demonstrate that the money supply and geopolitical risk are among the determinants of inflation in Malaysia in the long run. Meanwhile contrary to that, only money supply determines inflation in Indonesia. The finding indicates that money supply and geopolitical risk matter to inflation management. Hence, this study suggests that monetary authorities must take an active role towards money supply and geopolitical risk issue.

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