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All Journal Signifikan : Jurnal Ilmu Ekonomi Jurnal Paradigma Ekonomika Jurnal Ekonomi, Bisnis dan Kewirausahaan (JEBIK) ASAS : Jurnal Hukum Ekonomi Syariah Al-'Adalah Al-Iqtishad : Jurnal Ilmu Ekonomi Syariah (Journal of Islamic Economics) Jurnal Ekonomi dan Bisnis Islam Jurnal Pendidikan Ekonomi & Bisnis IJBE (Integrated Journal of Business and Economics) Kinerja: Jurnal Ekonomi dan Manajemen Inovasi : Jurnal Ekonomi, Keuangan, dan Manajemen Jurnal SOLMA Al-Muzara'ah International Journal of Applied Business Research Iqtishoduna: Jurnal Ekonomi Islam Jurnal Ilmiah Edunomika (JIE) AL-FALAH : Journal of Islamic Economics Jurnal Ilmu Hukum, Humaniora dan Politik (JIHHP) IIJSE INOVASI: Jurnal Ekonomi, Keuangan, dan Manajemen International Journal of Islamic Business and Economics (IJIBEC) FORUM EKONOMI: Jurnal Ekonomi, Manajemen dan Akuntansi Balance: Jurnal Ekonomi Matrik: Jurnal Manajemen, Strategi Bisnis, Dan Kewirausahaan
Normasyhuri, Khavid
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Religion Humanities Decision Sciences, Operations Research & Management Economics, Econometrics & Finance Education Environmental Science Industrial & Manufacturing Engineering Law, Crime, Criminology & Criminal Justice Social Sciences Other

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COMPARISON OF FINANCIAL PERFORMANCE OF CONVENTIONAL BNI (BNIK) AND BNI SYARIAH (BNIS): REVIEW BEFORE AND DURING COVID-19 Habibi, Ahmad; Normasyhuri, Khavid; Anggraeni, Erike
Jurnal Ekonomi Balance Vol. 17 No. 2 (2021): (December 2021)
Publisher : Perpustakaan dan Penerbitan Unismuh Makassar

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.26618/jeb.v17i2.6523

Abstract

Covid-19 is a disease that spreads across continents across countries and even Indonesia. The Covid-19 pandemic has become a challenge for the business world, including banks such as Conventional BNI (BNIK) and Sharia BNI (BNIS). In its implementation, financial performance is an important measure of whether in the company there is an increase in the company's finances or vice versa. This study aims to compare the financial performance of profitability ratios, namely ROA, ROE, and BOPO Conventional BNI (BNIK) and Sharia BNI (BNIS) before and during covid-19. This research is included in quantitative research with comparative nature. The type of data used is secondary data obtained from the official website of the Financial Services Authority (OJK). The statistical tool used is SPSS Version 21 using the Mann-Whitney test. Research result Shows that before Covid-19 there were differences in the financial performance of the two banks, namely Conventional BNI (BNIK) and Sharia BNI (BNIS) and it appears that financial performance from the ROA, ROE, and BOPO aspects of Conventional BNI (BNIK) is still better than Sharia BNI (BNIS) before covid-19. Then during covid-19, there was no difference in the financial performance of the two banks, namely Conventional BNI (BNIK) and Sharia BNI (BNIS) and it was seen that the Covid-19 pandemic certainly had an impact on financial performance in terms of ROA, ROE, and BOPO aspects, both conventional and sharia bank.
The Moderating Role of Information Media in Generation Z’s Sharia Investment Decisions Normasyhuri, Khavid; Saputra, Adli Rikanda; Alfredo, Harold Kevin; Huda, Ahsanal; Febriansyah, Rubi
Jurnal Pendidikan Ekonomi Dan Bisnis (JPEB) Vol. 13 No. 01 (2025): Jurnal Pendidikan Ekonomi & Bisnis (DOAJ & SINTA 2 Indexed)
Publisher : Faculty of Economics, Universitas Negeri Indonesia,Indonesia

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.21009/JPEB.013.1.5

Abstract

This study examines the relationships among information quality, subjective norms, and behavioral control in influencing Generation Z’s Islamic investment decisions during the COVID-19 pandemic, while assessing the moderating role of information media. A quantitative method was employed using SmartPLS 3.0 for statistical analysis. Primary data were collected through purposive sampling of 500 Islamic investors between December 2021 and December 2022 using Google Forms, and all variables were measured with a Likert scale. The findings show that information quality and behavioral control had a positive and significant impact on Generation Z’s Islamic investment decisions during the pandemic. In contrast, subjective norms exhibited a negative relationship, implying that social pressure and external expectations did not consistently promote sharia-based investment behavior. Information media acted as a moderating factor that strengthened the relationship among information quality, subjective norms, and behavioral control in investment decision-making. The results suggest that digital media platforms provided access to timely, accurate, and relevant information, enhancing confidence among young Muslim investors. However, Islamic investment instruments remain limited compared to conventional alternatives. Therefore, expanding and diversifying Islamic financial products is essential to assist investors in developing sustainable and Sharia-compliant investment portfolios that promote ethical growth and long-term economic resilience.  
Roadmap to Sustainable Halal Food Business Growth in Developing Countries: Integrating Payment Technology, Digital Marketing and Access to Islamic Financing Anggraeni, Erike; Normasyhuri, Khavid; Aprinita, Nurul; Pramudita Wisnu Kusuma, Tri Atmaja; Saputra, Adli Rikanda
Integrated Journal of Business and Economics (IJBE) Vol 9, No 4 (2025): Integrated Journal of Business and Economics
Publisher : Universitas Bangka Belitung

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.33019/ijbe.v9i4.1190

Abstract

The primary issue of this research stems from the phenomenon of disparate technology utilization, restricted digital marketing to specific markets, and challenges in accessing Islamic financing, which collectively hinder the acceleration of the halal food business's growth, despite its substantial market potential in Indonesia. The objective of the study is to enhance the current body of literature regarding the correlation between payment technology, digital marketing, and access to Islamic financing, with a specific emphasis on the expansion of sustainable halal food enterprises in developing nations, particularly Indonesia. Primary data was collected by selecting a sample of respondents, specifically halal food business actors in Indonesia, using a purposive sampling approach. In total, 250 samples were employed in this investigation. The Likert Scale was employed to evaluate the indications, and data were collected using Google Forms. The study's findings indicate that the development of sustainable halal food enterprises in developing countries in Indonesia is influenced by payment technology, digital marketing, and access to Islamic financing. This research contributes to the theoretical literature by enhancing the development of the Technology Acceptance Model (TAM), Digital Marketing Theory, and Islamic Financing Access Theory in the context of the halal food industry in Indonesia. In practice, the findings offer halal food companies practical advice on how to expand their consumer reach through digital marketing, increase transactions through payment technology, and leverage Islamic financing to support business development and improve market competitiveness.
Tourism Transition and Green Economy: Inspire or Prevent People's Income in The Covid-19 Shock? Normasyhuri, Khavid; Noviarita, Heni; Kurniawan, Muhammad; Nurmalia, Gustika
MATRIK: JURNAL MANAJEMEN, STRATEGI BISNIS, DAN KEWIRAUSAHAAN Vol. 17 No. 2 (2023)
Publisher : Faculty of Economics and Business Udayana University

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.24843/MATRIK:JMBK.2023.v17.i02.p03

Abstract

The COVID-19 pandemic, which resulted in the destruction of all existing regulatory systems, faced many obstacles, especially in the field of tourism, including tourism villages. The Green Economy concept is expected to be a way out and a bridge between people's income growth, social justice and environmental friendliness. This research was conducted with the aim of analyzing the green economy transition in tourism, especially tourist villages, whether it is able to provide inspiration or actually prevent an increase in people's income in conditions of the COVID-19 shock. This study develops a model to see the relationship between green economy and people's income. Quantitative in this study used SmartPLS 3.0 in analyzing data obtained from 600 respondents through the observation stage and a list of questions given. The research was carried out in tourist villages in West Java and Lampung Provinces carried out in the context of COVID-19. This study found thatthe transition of a tourist village with the concept of green economy has a strong influence in increasing the income of rural tourism communities in conditions of the COVID-19 shock. This is because, tourist villages with the concept of green economy are able to create a special attraction for tourists the design of a tourist village is carried out in accordance with the surrounding natural conditions and the habits of life of the people so that the tourist village is eyed by many foreign tourists as well as local tourists and when tourists come, of course there will be an economic turnover in the village and implications for the local community economically, socio-culturally and the surrounding environment.
The Impact of Agribusiness Mudharabah Financing on Community Welfare: Assessing the Moderating Role of Eco-Literacy in the Sustainable Development Goals (SDGs) Normasyhuri, Khavid; Huda, Ahsanal; Alfredo, Harold Kevin
Indonesian Interdisciplinary Journal of Sharia Economics (IIJSE) Vol 9 No 1 (2026): Sharia Economics
Publisher : Universitas KH. Abdul Chalim Mojokerto

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.31538/iijse.v9i1.8739

Abstract

The primary issue identified is the unequal access to mudharabah financing in the agricultural sector, which impedes farmer empowerment. Additionally, sustainable natural resource management is adversely affected by the public's inadequate comprehension of eco-literacy. The objective of this investigation is to investigate the impact of agribusiness mudharabah financing on community welfare, with an emphasis on the role of eco-literacy as a moderating variable in the pursuit of the SDGs. SmartPLS 4.0 software was employed to analyse data using a quantitative approach. Purposive sampling was employed to gather primary data, which was subsequently analysed using a Likert scale with a total of 350 respondents. The study's results suggest that mudharabah financing has a beneficial effect on community welfare, and this relationship is further bolstered by eco-literacy. The achievement of SDGs such as No Poverty, No Hunger, Reduced Inequality, and Gender Equality is influenced by the more efficient and environmentally favourable management of enterprises by farmers who comprehend sustainability. This research contributes to the comprehension of the ways in which Islamic financing and eco-literacy can facilitate sustainable development. These results establish a foundation for the creation of financing products that are more sustainable and inclusive, as well as practical suggestions for policymakers to enhance ecological literacy among producers.
Keputusan Pembelian Makanan Halal Generasi Muda Z di Wilayah Perkotaan: Rekomendasi Berbasis Kecerdasan Buatan (AI), dan Harga Makanan Arini, Erni Zulfa; Adiputra, Prasetia; Normasyhuri, Khavid
FORUM EKONOMI: Jurnal Ekonomi, Manajemen dan Akuntansi Vol. 27 No. 4 (2025): Oktober
Publisher : FEB Universitas Mulawarman

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.30872/jfor.v27i1/4419

Abstract

Penelitian ini bertujuan untuk menganalisis pengaruh Rekomendasi Berbasis Kecerdasan Buatan (AI) dan Harga Makanan terhadap Keputusan Pembelian Makanan Halal oleh Generasi Muda Z di wilayah perkotaan. Penelitian ini menggunakan pendekatan kuantitatif dengan perangkat lunak statistik SmartPLS 4.0 untuk menganalisis data. Data primer dikumpulkan melalui teknik purposive sampling, dengan sampel sebanyak 290 responden yang terdiri dari Generasi Muda Z di wilayah perkotaan. Pengumpulan data dilakukan dengan menggunakan kuesioner berbasis Skala Likert yang disebarkan melalui Google Forms. Temuan penelitian ini menunjukkan bahwa Rekomendasi Berbasis Kecerdasan Buatan (AI) dan Harga Makanan memiliki pengaruh positif dan signifikan terhadap keputusan pembelian makanan halal oleh Generasi Muda Z
Co-Authors A. Zuliansyah Abidin , Noor Azliza Zainal adiprashada, Dhanurseto Adiputra, Prasetia Agus Firmansyah, Mas ahmad habibi Aprinita, Nurul Arini, Erni Zulfa Diana, Tria Mei Erike Anggraeni Febriansyah, Rubi Gustika Nurmalia Hanif Hanif Harold Kevin Alfredo Heni Noviarita Hervin Yoki Pradikta Huda, Ahsanal Kusuma, Tri Atmaja Pramudita Wisnu MA'RIFAH, AULA NURUL Maya, Ajeng Moh. Mukri Muhammad Iqbal Fasa Muhammad Kurniawan Nurohmah, Siti Pramudita Wisnu Kusuma, Tri Atmaja Pujianti, Eva Relit Nur Edi Restianita, Oza Saputra, Adli Rikanda Siti Nurohmah Syamsul Hilal Syarif, Hazas Vitria Susanti Wisnu Kusuma, Tri Atmaja Pramudita