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All Journal Kompak : Jurnal Ilmiah Komputerisasi Akuntansi Jurnal Al-Iqtishad Laa Maisyir Jurnal Ekonomi Islam AL QUDS : Jurnal Studi Alquran dan Hadis Jurnal EMT KITA Jurnal Masharif al-Syariah: Jurnal Ekonomi dan Perbankan Syariah al-Uqud : Journal of Islamic Economics JURNAL MANAJEMEN BISNIS Al-Kharaj: Journal of Islamic Economic and Business Rayah Al Islam : Jurnal Ilmu Islam Jurnal Ekonomi Syariah Pelita Bangsa Humantech : Jurnal Ilmiah Multidisiplin Indonesia Journal of Islamic Economic and Business Research International Journal of Social Science, Educational, Economics, Agriculture Research, and Technology (IJSET) Jurnal Ekonomi dan Manajemen (JEKMA) Mumtaz : Jurnal Ekonomi dan Bisnis Islam International Review of Practical Innovation, Technology and Green Energy (IRPITAGE) Moneter : Jurnal Keuangan dan Perbankan Jurnal Informasi Keagamaan, Manajemen dan Strategi Jurnal Informatika Ekonomi Bisnis Journal of Management, Economic, and Accounting Neraca: Jurnal Ekonomi, Manajemen dan Akuntansi El-Mal: Jurnal Kajian Ekonomi & Bisnis Islam Indonesian Journal of Islamic Literature and Muslim Society IQTISHADUNA: Jurnal Ilmiah Ekonomi Kita JIS: Journal ISLAMIC STUDIES LITERA: Jurnal Ilmiah Multidisiplin JIEP: Jurnal Ilmu Ekonomi dan Pembangunan As-Syirkah: Islamic Economic & Financial Journal Teknofile, Jurnal Sistem Informasi Abdimas, Jurnal Pengabdian Masyarakat Rayah Al-Islam : Jurnal Ilmu Islam
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The Influence of Sharia Financial Literacy and Risk Perception on the Decision to Use Sharia Mobile Banking by Generation Z Inayah Ardiah; Marliyah; Nasution, Yenni Samri Juliati
Jurnal Manajemen Bisnis Vol. 13 No. 1 (2026): March
Publisher : Pusat Penerbitan dan Publikasi Ilmiah, FEB, Universitas Muslim Indonesia

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.33096/jmb.v13i1.1401

Abstract

This study aims to analyze the influence of Islamic financial literacy and risk perception on Generation Z's decision to use Islamic mobile banking in Indonesia. Despite offering ease of transaction and compliance with Islamic principles, the adoption rate of Islamic mobile banking among Generation Z is still relatively low. This study uses a quantitative approach with a survey method of 100 respondents aged 18–28 years who actively use Islamic mobile banking and were determined through purposive sampling techniques. Data were collected online through Google Forms and analyzed using multiple linear regression. The results show that Islamic financial literacy and risk perception simultaneously have a significant effect on Generation Z's decision to use Islamic mobile banking. These findings emphasize the importance of improving Islamic financial literacy and managing risk perception to encourage the adoption of Islamic mobile banking services.
Strategi Finansial Islam Dalam Mewujudkan Maslahat Ekonomi Lubis, Syafrina Yuni; Patma Wati; Marliyah
Rayah Al-Islam Vol. 7 No. 3 (2023): Rayah Al-Islam: Jurnal Ilmu Islam
Publisher : Institut Muslim Cendekia

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.37274/rais.v7i3.343

Abstract

Since the emergence of the global financial crisis recently, the financial system requires changes that must be appropriate. In the economic sector, financial institutions do have an important role to play in influencing the stability of a country’s economy experience from the crisis shows that without good financial system resilience, the process of economic development will not be able to achieve economy stability which will ultimately create prosperity. The Islamic economic system is definitely able to answer the challenges of Islamic finance because it is sourcesd from syara’ and the paradigm of Islamic finance which puts forward sharia maqasid so as to create prosperity. The goals of the Islamic financial system are also often stated in commendable terms such as increasing economic welfare, poverty alleviation to fulfilling basic human needs. This research is a library research is a qualitative descriptive study with a phenomenological approach. This research is a library research that uses secondary data obtained through scientific articles and other relevant documents. The Islamic financial system is increasingly experiencing significant developments from year to year. This can be seen from the many institutions that stand by sharia principles. In practice, Islamic finance is also considered capable of answering questions about the development of the conventional financial sector. The presence of the Islamic financial system is a breath of fresh air whose precense brings moral values to all human beings as a whole. In addition, the Islamic financial system in the world has also begun to become the subject of study by economic experts. This can be seen from the many foreign countries that have begun to develop sharia-based financial institutions
THE INFLUENCE OF INFLUENCER CREDIBILITY, VIDEO QUALITY, AND INFLUENCER ETHICS ON THE PURCHASE DECISIONS OF HALAL MSME PRODUCTS IN MEDAN CITY Irhamsah Putra; Marliyah; Imsar
Jurnal Al-Iqtishad Vol. 22 No. 1 (2026): June 2026
Publisher : Faculty of Economic and Social Science, Universitas Islam Negeri Sultan Syarif Kasim

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

Abstract

This study aims to analyze the influence of influencer credibility, video quality, and influencer ethics on the decision to purchase halal MSME products in Medan Sunggal District, Medan City. This study uses a quantitative approach with a survey method by distributing questionnaires to consumers who have seen promotions of halal MSME products through influencers. The sampling technique uses purposive sampling with 100 respondents. The data were analyzed using validity tests, reliability tests, classical assumption tests, and multiple linear regression analysis with the help of the SPSS application. The results showed that, partially, influencer credibility did not have a significant effect on purchasing decisions, while video quality and influencer ethics had a positive and significant effect on purchasing decisions. The influencer ethics variable was the most dominant factor influencing purchasing decisions. Simultaneously, influencer credibility, video quality, and influencer ethics significantly affect purchasing decisions with an Adjusted R Square value of 0.555, which means that these three variables can explain 55.5% of the variation in purchasing decisions, while the rest is influenced by other variables outside this study. This study implies that in marketing halal MSME products, the aspects of ethics and digital content quality play a more important role than the personal credibility of influencers alone. Therefore, halal MSMEs need to pay attention to selecting ethical influencers and improving the quality of promotional content to encourage an increase in consumer purchasing decisions.
Co-Authors Abrar, M. Farid Adha, Raju Agung Prasektiyo Andri Soemitra Ari Apryansyah Arifin, Rahman atika Ayunda Khoiriyah Azhari, Dhea Maura Delima Sari Lubis Desy Desky Dharma, Budi Dorlan Habibi Egi Fadilah Saragih Engel Natalia, Tree Esma Cetin Fitrianur Ahmad Sihombing Hakim Sitompul, Muhammad Halimahtussakdiyah Halimatussakdiyah Handayani, Seri Handoko, Dodi Okri Harahap, Muhammad Ikhsan Harahap, Rahmat Daim Harry Irawan Hilmiatus Sahla Hilyati Inayah Imsar Inayah Ardiah Irawan, Harry Irhamsah Putra Ismul Fakhri Lubis Isnaini Harahap Julita Julita khusnul_khotimah Laylan Syafina Lubis, Ismul Fakhri Lubis, Syafrina Yuni M FAUZAN M. Fauzan M.Hakim Sitompul Mailina, Rani Medeni, Desi Chintiara Muhammad Habibi Siregar Muhammad Lathief Ilhamy Nasution Muhammad Yafiz, Muhammad Nadia Anzani Nashwa Nabila Kasih Nur Fadhilah Ahmad Hasibuan Nurfuadi, Wika Nurhayati Nuri Aslami Nurjanah, Putria Nurlaila Nursantri Yanti Patma Wati Perjuangan Siregar Pradana, Wahyu Yuda Prayogi Kusdino Raharti, Riana Rahman, Zikri Rahmani, Nur Ahmadi Bi Rahmat Daim Harahap Ramil Abbasov Rizkan Polem, T. Saparuddin Siregar Saragih, Adeliya Sarmiana Batubara Siregar, Alfa Nadiah Sitompul, Ripa Sabila Usni sri sudiarti Sugianto Sunur, Arba Syarbaini, Ahmad Muhaisin B. T. Rizkan Polem Tambunan, Khairina Tanjung, Ahmad Fuadi Tyo Azharil Fikri Wahyu Syarvina Waizul Qarni Wati, Patma Yenni Samri Juliati Nasution YENNI SAMRI JULIATI NASUTION, YENNI SAMRI JULIATI Yuni Lubis, Syafrina Yusrizal Zahra, Fairuz Azzahra Irsyad Zulfahani Zulhelmy