Garuda - Garba Rujukan Digital

Impact of Financial Technology Utilization, Working Capital Management, and Financial Resilience on MSME Sustainability During Uncertainty Economy Lembong, Herningsih Sutri; Tundu, Astrid Kristiana; Anwar, Samsul; Syaiful, Muhammad; Febrina, Ilza; Sudarmanto, Eko
International Journal of Business, Law, and Education Vol. 6 No. 2 (2025): International Journal of Business, Law, and Education
Publisher : IJBLE Scientific Publications Community Inc.

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.56442/ijble.v6i2.1184

Based on the results and discussion, this study concludes that financial technology utilization, working capital management, and financial resilience each have a positive and significant impact on the sustainability of MSMEs during periods of economic uncertainty. The findings highlight that MSMEs that actively adopt digital financial tools, manage their short-term finances efficiently, and develop strong financial resilience are better equipped to withstand and adapt to external shocks such as economic downturns, inflation, and market disruptions. Among the three factors, financial resilience emerged as the most influential, underscoring the critical role of strategic preparedness, adaptability, and financial buffers in ensuring business continuity. These results reinforce the theoretical perspective of the Resource-Based View (RBV), which emphasizes the importance of internal capabilities as sources of sustainable advantage. Therefore, strengthening digital adoption, financial management practices, and resilience-building efforts should be prioritized by MSME stakeholders, including policymakers, financial institutions, and business support organizations to enhance long-term survival and performance in an increasingly volatile economic environment.

Islamic Finance and Halal Investment Trends in the Digital Era: A Bibliometric Review (2010–2025) Judijanto, Loso; Khotijah, Nur; Febrina, Ilza; Mayasari, Eny; Budiman, Mamdukh
West Science Interdisciplinary Studies Vol. 3 No. 10 (2025): West Science Interdisciplinary Studies
Publisher : Westscience Press

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.58812/wsis.v3i10.2300

This study offers a bibliometric analysis of Islamic finance and halal investment trends in the digital age (2010–2025), utilizing data from Scopus and examined with VOSviewer and Biblioshiny. The results indicate five predominant research themes: fintech and digital innovation, blockchain and cryptocurrency, financial inclusion and sustainability, Shariah governance, and Islamic investment ecosystems. Findings indicate that Malaysia and Indonesia spearhead worldwide research collaboration, connecting Southeast Asia, the Middle East, and Europe. Scholarship has progressively transitioned from traditional Islamic banking and sukuk to digital transformation, ethical finance, and sustainable development. The report offers pragmatic insights for policymakers and practitioners to advance Shariah-compliant financial innovation, while promoting financial inclusion and sustainable investment. It proposes a Digital Maqasid Finance Framework that amalgamates technology with Islamic ethical and social principles. This research provides a robust framework for future investigations into AI-driven Shariah compliance, digital halal finance, and sustainable Islamic investment ecosystems, despite limitations in database and time.

Islamic Finance and Halal Investment Trends in the Digital Era: A Bibliometric Review (2010–2025) Judijanto, Loso; Khotijah, Nur; Febrina, Ilza; Mayasari, Eny; Budiman, Mamdukh
West Science Interdisciplinary Studies Vol. 3 No. 10 (2025): West Science Interdisciplinary Studies
Publisher : Westscience Press

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.58812/wsis.v3i10.2300

This study offers a bibliometric analysis of Islamic finance and halal investment trends in the digital age (2010–2025), utilizing data from Scopus and examined with VOSviewer and Biblioshiny. The results indicate five predominant research themes: fintech and digital innovation, blockchain and cryptocurrency, financial inclusion and sustainability, Shariah governance, and Islamic investment ecosystems. Findings indicate that Malaysia and Indonesia spearhead worldwide research collaboration, connecting Southeast Asia, the Middle East, and Europe. Scholarship has progressively transitioned from traditional Islamic banking and sukuk to digital transformation, ethical finance, and sustainable development. The report offers pragmatic insights for policymakers and practitioners to advance Shariah-compliant financial innovation, while promoting financial inclusion and sustainable investment. It proposes a Digital Maqasid Finance Framework that amalgamates technology with Islamic ethical and social principles. This research provides a robust framework for future investigations into AI-driven Shariah compliance, digital halal finance, and sustainable Islamic investment ecosystems, despite limitations in database and time.

How Does Brand Awareness Mediate the Influence of TikTok Shop Testimonials and Brand Image on Purchase Intention? A Case Study of DKI Jakarta Tanto Adi Pangestu; Ilza Febrina; Mas Sridjoko Darodjatun
International Journal of Entrepreneurship, Business, and Creative Economy Vol. 6 No. 1 (2026): January
Publisher : Research Synergy Foundation

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.31098/ijebce.v6i1.3086

The rapid rise of TikTok Shop as an e-commerce channel has introduced new dynamics in how consumers interact with brands and make purchasing decisions. With its integration of short-form video content and seamless in-app shopping features, TikTok Shop has transformed traditional online shopping into a more interactive, content-driven experience. This evolution has heightened the importance of user testimonials and brand presentation within the platform, especially in shaping consumer perceptions and behaviors. Given this shift, it is essential to explore how such factors operate in specific market contexts. Accordingly, this study aims to examine the influence of TikTok Shop testimonials and brand image on brand awareness and online purchase intention among consumers in DKI Jakarta. A self-administered survey was conducted with a sample of 140 respondents and analyzed using Partial Least Squares Structural Equation Modeling (PLS-SEM). The findings reveal that brand image significantly enhances brand awareness but does not directly impact purchase intention. Meanwhile, brand awareness plays a crucial mediating role, positively influencing purchase intention. Social media testimonials contribute to brand awareness but have an insignificant direct effect on purchase intention. These results highlight the importance of brand awareness in shaping consumer decisions and provide valuable implications for businesses to optimize their digital marketing strategies by leveraging customer testimonials and strengthening brand identity to enhance consumer engagement and purchasing behavior.

Edukasi dan Literasi Anti-Korupsi Perspektif Ekonomi bagi Komunitas SSQ Holistik Internasional melalui Webinar Pengabdian kepada Masyarakat: Pengabdian Eko Sudarmanto; Harimurti Wulandjani; Ilza Febrina; Triana Zuhrotun Aulia; Heny Fitriani; Dewi Nidia Soepriadi; M. Adhitya Wardhana; Ingkak Chintya Wangsih
Jurnal Pengabdian Masyarakat dan Riset Pendidikan Vol. 4 No. 4 (2026): Jurnal Pengabdian Masyarakat dan Riset Pendidikan Volume 4 Nomor 4 April - Juni
Publisher : Lembaga Penelitian dan Pengabdian Masyarakat

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.31004/jerkin.v4i4.5813

Corruption is a multidimensional problem that has significant impacts on economic performance, social welfare, and sustainable development. Efforts to prevent corruption require not only law enforcement but also the strengthening of public awareness and literacy through systematic educational approaches. This community service program aims to enhance anti-corruption understanding and literacy based on an economic perspective among members of the SSQ Holistik Internasional community through a webinar-based initiative. The program was implemented using an online participatory education approach, which included material presentations, interactive discussions, and evaluations of participants’ understanding. The educational content emphasized the relationship between corrupt practices and their impacts on economic efficiency, welfare distribution, and sustainable development. The results indicate an improvement in participants’ understanding of the fundamental concepts of corruption, the economic costs it generates, and the importance of individual and community roles in corruption prevention efforts. Overall, the webinar program proved to be an effective model of community engagement in strengthening anti-corruption literacy from an economic perspective, particularly within non-academic communities.

Covert marketing in Social commerce: Muslim Consumers' Perception of Viral Products in the Perspective of Islamic Business Ethics Mohammad Saiful Rifai; Fatkhur Rohman Albanjari; Mukhamad Rinda Rifa’i; Fadilla Muhammad Mahdi; Ilza Febrina
Jurnal Iqtisad Vol 13 No 1 (2026): Jurnal Iqtisad
Publisher : Universitas Wahid Hasyim Semarang

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.31942/iq.v13i1.15720

This study is motivated by the rapid development of increasingly creative digital marketing strategies that may raise ethical concerns when conducted without transparency. This study aims to analyze Muslim consumer perceptions of covert marketing practices on viral products in TikTok Shop from the perspective of Islamic business ethics. This research employed a qualitative method with a descriptive approach. Data were collected through in-depth interviews with business actors and consumers. The researcher also conducted observations and documentation related to covert marketing practices. Data analysis techniques included data reduction, data presentation, and conclusion drawing. The findings indicate that covert marketing practices are considered effective in attracting consumer attention because they are able to build emotional closeness and increase trust through promotions presented naturally. Such strategies are commonly implemented through social media, personal recommendations, and the use of third parties in delivering promotional messages. However, in practice, several forms of marketing were found to potentially create unclear information and manipulate consumer perceptions. From the perspective of Islamic business ethics, marketing activities should be based on the principles of honesty, transparency, responsibility, and fairness. Therefore, covert marketing may be permissible as long as it does not involve deception, gharar (uncertainty), or misleading information for consumers. This study emphasizes that the balance between marketing creativity and the implementation of Islamic business ethics is an important factor in creating healthy and sustainable business practices.

Predictors of Intention and Behavior of Digital Banking Service Users in the Islamic Banking Industry Suci Mulyati; Ahyar Ahyar; Samsiar Samsiar; Ilza Febrina; Nurkamariah Nurkamariah; Syafwan Syafwan
Jurisprudensi: Jurnal Ilmu Syariah, Perundang-Undangan dan Ekonomi Islam Vol. 18 No. 2 (2026): Jurisprudensi: Jurnal Ilmu Syariah, Perundang-Undangan dan Ekonomi Islam
Publisher : Fakultas Syariah IAIN Langsa

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.32505/jurisprudensi.v8i2.13228

Ideally, the adoption of Islamic digital banking is driven by technical infrastructure, ease of access, and optimal price-value matching for customers. However, in reality, the determinants of digital adoption in Islamic banking often shift from mere technical functions to specific psychological aspects, habits, and religious values that have not been fully mapped. This study aims to analyze the predictors of user intentions and behavior of digital banking services in the Islamic banking industry by developing an expanded UTAUT3 model through the integration of personal innovativeness and Islamic lifestyle as moderating variables. A quantitative approach was employed using SEM-PLS through SmartPLS 3.0, involving 266 digital banking customers of Islamic banks across Indonesia. The findings reveal that user motivation, habit, and personal innovativeness significantly influence behavioral intention, while habit also affects actual user behavior. In contrast, performance expectancy, effort expectancy, social influence, facilitating conditions, and price value show no significant effects. Islamic lifestyle was found to strengthen social influence on behavioral intention, but it did not moderate the relationship between habit and intention. This research contributes to the theoretical expansion of the UTAUT3 model through the integration of Islamic lifestyle and personal innovativeness variables, while also providing practical recommendations for Islamic banking management to focus on cultural value-based marketing strategies and the formation of customers' digital habits.

Balancing Stakeholders’ Interest and Sustainability: Petronas’ Strategic Response to The Global Energy Transition Ilza Febrina; Siti Mahfuzah Zubir
Madani: Jurnal Ilmiah Multidisiplin Vol 2, No 12 (2025): Januari
Publisher : Penerbit Yayasan Daarul Huda Kruengmane

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.5281/zenodo.15171536

This study examines Petronas' strategic response to the global energy transition, focusing on its adoption of renewable energy, integration of sustainability practices, and the influence of leadership. This study employs qualitative document analysis to assess how Petronas integrates its strategies with Environmental, Social, and Governance (ESG) principles, as well as the United Nations' Sustainable Development Goals (SDGs), while also considering the wide-ranging interests of its stakeholders. The findings highlight Petronas’ investments in green hydrogen, sustainable materials, and digital technologies, emphasizing both decarbonization efforts and long-term value creation for key stakeholders, including governments, investors, employees, and local communities. Moreover, the study underscores the pivotal role of transformational leadership in shaping Petronas' sustainability strategy and its impact on stakeholder relationships. The insights provided have broader implications for other National Oil Companies (NOCs), demonstrating that enhancing sustainability profiles not only strengthens stakeholder relations but also supports long-term profitability through sustainable development.

The Effect of Sharia Economic Festival Education and Financial Literacy on Halal Awareness and the Intention to Use Sharia Financial Products in Indonesia Bhaswarendra Guntur Hendratri; Kurniawan Kurniawan; Ilza Febrina; Junet Kaswoto; Puti Khairani Rijadi
West Science Interdisciplinary Studies Vol. 3 No. 11 (2025): West Science Interdisciplinary Studies
Publisher : Westscience Press

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.58812/wsis.v3i11.2390

This study investigates the effect of Sharia Economic Festival education and financial literacy on halal awareness and the intention to use Sharia financial products in Indonesia. Employing a quantitative research design, data were collected from 135 respondents using a five-point Likert scale questionnaire. The analysis was conducted using Structural Equation Modeling–Partial Least Squares (SEM-PLS 3). The results demonstrate that Sharia Economic Festival education significantly enhances financial literacy and halal awareness. Financial literacy also has a strong positive effect on halal awareness and directly influences the intention to use Sharia financial products. Moreover, halal awareness emerges as the most influential predictor of consumer intention, highlighting the central role of religious and ethical considerations in the adoption of Sharia-compliant financial services. The findings emphasize the importance of educational interventions, financial knowledge, and awareness-building strategies to strengthen the penetration of Sharia financial products in Indonesia. This study contributes to theoretical understanding and provides practical implications for policymakers, financial institutions, and event organizers seeking to increase public engagement with Islamic finance.

The Effect of Sharia Economic Festival Education and Financial Literacy on Halal Awareness and the Intention to Use Sharia Financial Products in Indonesia Bhaswarendra Guntur Hendratri; Kurniawan Kurniawan; Ilza Febrina; Junet Kaswoto; Puti Khairani Rijadi
West Science Interdisciplinary Studies Vol. 3 No. 11 (2025): West Science Interdisciplinary Studies
Publisher : Westscience Press

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.58812/wsis.v3i11.2390

This study investigates the effect of Sharia Economic Festival education and financial literacy on halal awareness and the intention to use Sharia financial products in Indonesia. Employing a quantitative research design, data were collected from 135 respondents using a five-point Likert scale questionnaire. The analysis was conducted using Structural Equation Modeling–Partial Least Squares (SEM-PLS 3). The results demonstrate that Sharia Economic Festival education significantly enhances financial literacy and halal awareness. Financial literacy also has a strong positive effect on halal awareness and directly influences the intention to use Sharia financial products. Moreover, halal awareness emerges as the most influential predictor of consumer intention, highlighting the central role of religious and ethical considerations in the adoption of Sharia-compliant financial services. The findings emphasize the importance of educational interventions, financial knowledge, and awareness-building strategies to strengthen the penetration of Sharia financial products in Indonesia. This study contributes to theoretical understanding and provides practical implications for policymakers, financial institutions, and event organizers seeking to increase public engagement with Islamic finance.

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