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All Journal Jurnal Akuntansi dan Pajak Ad-Deenar: Jurnal Ekonomi dan Bisnis Islam At-tijaroh: Jurnal Ilmu Manajemen dan Bisnis Islam Jurnal Ilmiah Edunomika (JIE) Lexeme : Journal of Linguistics and Applied Linguistics Ksatra: Jurnal Kajian Bahasa dan Sastra Forum Bisnis dan Kewirausahaan Al-Mashrof: Islamic Banking and Finance Indonesian Journal of Islamic Economics and Business Journal of Management and Digital Business J-EBI Jurnal Ekonomi dan Bisnis Islam Al-Idarah : Jurnal Manajemen dan Bisnis Islam Indo-Fintech Intellectuals: Journal of Economics and Business Jurnal Media Akademik (JMA) El-Mal: Jurnal Kajian Ekonomi & Bisnis Islam Jurnal Rekognisi Ekonomi Islam (JREI) Journal of Ekonomics, Finance, and Management Studies Jurnal Ekonomi, Manajemen, Akuntansi
Zathu Restie Utamie
Universitas Islam Negeri Raden Intan Lampung
Religion Agriculture, Biological Sciences & Forestry Arts Humanities Civil Engineering, Building, Construction & Architecture Decision Sciences, Operations Research & Management Economics, Econometrics & Finance Education Industrial & Manufacturing Engineering Languange, Linguistic, Communication & Media Law, Crime, Criminology & Criminal Justice Social Sciences Other

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Pengaruh Brand Attachment Terhadap Customer Engagement dengan Brand Trust Sebagai Variabel Mediasi dalam Perspektif Manajemen Bisnis Syariah Indico Yudha Ardhana; Erike Anggraeni; Zathu Restie Utamie
El-Mal: Jurnal Kajian Ekonomi & Bisnis Islam Vol. 6 No. 8 (2025): 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.v6i8.9427

Abstract

Brand attachment is a condition where consumers feel that the brand of a product represents and binds them in the sense that when the brand requires a constructive response, consumers will spontaneously provide and provide a positive response because of the experience they feel. This experience then makes consumers feel the need to be involved in developing the brand by being loyal to the brand and that loyalty makes trust in the brand maintained. The population in this study is the Way Kandis Community, Tanjung Senang District with the criteria that have been determined. The number of samples was 100 respondents. This research method is quantitative with online questionnaire data collection techniques through google form with the analysis method using a structural equation model approach with the SmartPLS 4 application. The results showed the results of Brand Attachment have a positive and significant effect on Customer Engagement, Brand Attachment has a positive and significant effect on Brand Trust, Brand Trust has a positive and significant effect on Customer Engagement, Brand Attachment has a positive and significant effect on Customer Engagement mediated by Brand Trust.
Pengaruh Attractiveness Terhadap Buying Decision dengan Competitive Advantage Sebagai Variabel Moderasi dalam Perspektif Manajemen Bisnis Syariah Husni Ainurridho; Suhendar; Zathu Restie Utamie
El-Mal: Jurnal Kajian Ekonomi & Bisnis Islam Vol. 6 No. 9 (2025): 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.v6i9.9813

Abstract

This study examines the effect of attractiveness on buying decisions with competitive advantage as a moderating variable in the context of sharia business management. The research was conducted on consumers of “Sahabat” beef kiosk in Pringsewu using a quantitative approach and SmartPLS analysis. The results show that attractiveness significantly influences buying decisions, and competitive advantage strengthens this effect. In sharia business, ethical attractiveness and trustworthy competitive advantage support purchase decisions with spiritual value.
The Effect of QRIS Transaction Value on the Velocity of Money in Indonesia: The Moderating Role of Inflation and an Islamic Economic Perspective, 2020 - 2024 habib, habiburrahman; Zathu Restie Utamie; Alhadi Kurnia Thoyib
Al-Mashrof: Islamic Banking and Finance Vol. 7 No. 1 (2026): Al-Mashrof: Islamic Banking and Finance
Publisher : Universitas Islam Negeri Raden Intan

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.24042/ffjndx33

Abstract

The digitalization of payment systems has transformed transaction behavior and monetary circulation in Indonesia, particularly through the implementation of the Quick Response Code Indonesian Standard (QRIS). This study aims to analyze the effect of QRIS on the velocity of money in Indonesia during the 2020 - 2024 period and to examine whether inflation moderates this relationship. This research employs a quantitative approach using monthly time-series secondary data from January 2020 to December 2024, resulting in 60 observations. The QRIS variable is measured by the value of QRIS transactions and transformed into a natural logarithm (LnQRIS), while the velocity of money is calculated by dividing nominal Gross Domestic Product by broad money supply (M2). Inflation is measured using the consumer price index-based inflation rate. The data were obtained from Bank Indonesia and Statistics Indonesia/Badan Pusat Statistik. The analytical methods used in this study are simple linear regression and Moderated Regression Analysis (MRA), supported by classical assumption and time-series diagnostic tests. The results show that QRIS has a positive and significant effect on the velocity of money in Indonesia. This finding indicates that QRIS contributes to faster monetary circulation through payment efficiency, transaction accessibility, and digital financial inclusion. Meanwhile, inflation does not significantly moderate the relationship between QRIS and the velocity of money. This suggests that the effect of QRIS on monetary circulation operates primarily through technological and transactional efficiency rather than through price-level dynamics. From an Islamic economic perspective, QRIS may support more efficient, transparent, and productive economic transactions, as long as its use remains aligned with the principles of justice, halal transactions, and the avoidance of excessive consumption. Keywords: QRIS, Velocity of Money, Inflation, Digital Payment, Islamic Economics
Pengaruh Ekspor, Impor, Dan Kurs Terhadap Neraca Pembayaran Negara Asean Perspektif Ekonomi Islam Mutiara Aziziah; Erike Anggraeni; Zathu Restie Utamie
Indonesian Journal of Islamic Economics and Business Vol. 11 No. 1 (2026): Indonesian Journal of Islamic Economics and Business
Publisher : Fakultas Ekonomi dan Bisnis Islam UIN STS Jambi

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.30631/ijoieb.v11i1.6087

Abstract

This study aims to analyze the effect of exports, imports, and exchange rates on the balance of payments in five ASEAN countries, namely Indonesia, Malaysia, Singapore, Thailand, and Brunei Darussalam during the 2014–2024 period from both economic and Islamic perspectives. This research employs a quantitative associative approach using panel data obtained from the World Bank through the World Development Indicators database. The data were analyzed using panel data regression with EViews software. The findings reveal that exports have a positive and significant effect on the balance of payments by increasing foreign exchange earnings and strengthening the current account. Imports also significantly affect the balance of payments, particularly when they consist of capital goods and raw materials that support domestic production and economic growth, although excessive imports of consumption goods may weaken external balances. Furthermore, the exchange rate significantly influences the balance of payments through its impact on export competitiveness and import costs. Simultaneously, exports, imports, and exchange rates significantly affect the balance of payments in the five ASEAN countries. From an Islamic economics perspective, balance of payments management should uphold the principles of balance (tawazun), justice (‘adl), and the avoidance of riba and speculative activities in international economic transactions. The study contributes to the literature by integrating macroeconomic analysis with Islamic economic principles in the ASEAN context.
Co-Authors Akbar Nurul Hidayah Alhadi Kurnia Thoyib Alvi Choiriah Alvin Destian Ronaldi Ani Listiawati Asmalia, Ghina Aulia, Nanda Choiriah, Alvi Dharmawan, Imam Eli Juliana elza pebriyani Erike Anggraeni fadil, Ahmad Ghina Asmalia Ghina Ulfah Saefurrohman Gustika Nurmalia habib, habiburrahman Heni Verawati Husni Ainurridho Indico Yudha Ardhana Khoirul Ma’rub Komala Sari Kurniati, Erlin Lily Mingsi Linda Ainoen Mardiansyah Mega Fatimah Rosana Mia Selvina Muhammad Fahrizal Tanjung Muhammad Fikri Nugraha Kholid Muhammad Iqbal Fasa Muhammad Singgih Mutiara Aziziah Mutiasari Nur Wulan Nurhayati Nurhayati Rizka Dwi Maretha Ronaldi, Alvin Destian Rosydalina Putri Salwa Fitria Widianti Sania Lisdayanti Shinta Deanova Chareunnisa Suhendar Susila Andriyati Tommy Hastomo Weny Rosilawati Yulistia Devi Zuliansyah, A Zuliansyah, Ahmad