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All Journal El Dinar Jurnal Ekonomi Syariah Teori dan Terapan Jurnal Ekonomi dan Bisnis Islam Falah : Jurnal Ekonomi Syariah Al-Mustashfa Jurnal Ilmiah Ekonomi Islam al-Uqud : Journal of Islamic Economics Dinamisia: Jurnal Pengabdian Kepada Masyarakat Pendas : Jurnah Ilmiah Pendidikan Dasar At-Tawassuth: Jurnal Ekonomi Islam JURNAL SYARIKAH : JURNAL EKONOMI ISLAM Istinbath: Jurnal Hukum dan Ekonomi Islam Ad-Deenar: Jurnal Ekonomi dan Bisnis Islam Iqtishoduna: Jurnal Ekonomi Islam International Journal of Islamic Business and Economics (IJIBEC) LISAN AL-HAL: Jurnal Pengembangan Pemikiran dan Kebudayaan Jurnal Ilmiah Edunomika (JIE) Al-Kharaj: Journal of Islamic Economic and Business Jurnal ABDINUS : Jurnal Pengabdian Nusantara Ihsan: Jurnal Pengabdian Masyarakat Jurnal Pengabdian UNDIKMA Journal of Islamic Economics and Finance Studies EMBISS: Jurnal Ekonomi, Manajemen, Bisnis, Sosial Indonesian Journal of Islamic Economics and Business Ilomata International Journal of Social Science Iqtishaduna : Jurnal Ilmiah Mahasiswa Hukum Ekonomi Syariah JIKEM: Jurnal Ilmu Komputer, Ekonomi dan Manajemen Komitmen : Jurnal Ilmiah Manajemen PROFICIO: Jurnal Pengabdian Masyarakat Sibatik Journal : Jurnal Ilmiah Bidang Sosial, Ekonomi, Budaya, Teknologi, Dan Pendidikan Maliyah : Jurnal Hukum Bisnis Islam Abimanyu: Journal of Community Engagement Jurnal Ekonomika dan Bisnis Islam Nomicpedia: Journal of Economics and Business Innovation Inspirasi: Jurnal Pengabdian dan Pemberdayaan Masyarakat Indonesian Journal of Society Development (IJSD) Journal of Islamic Economics Lariba International Journal of Emerging Research and Review International Journal of Islamicate Social Studies International Conference on Islamic Economic Jurnal Maps (Manajemen Perbankan Syariah) International Journal of Educational Research Al-Intaj : Jurnal Ekonomi dan Perbankan Syariah Socio Religia International Journal of Islamic Business and Economics (IJIBEC) Al-Irfan: Journal Of Arabic Literature and Islamic Studies Journal Creative Economics and Trading Halal Ecosystem ZISWAF: Jurnal Zakat dan Wakaf Al-Mustashfa: Jurnal Penelitian Hukum Ekonomi Syariah
Fikriyah, Khusnul
Department Of Islamic Economics, Faculty Of Economics And Business, Universitas Negeri Surabaya
Religion Agriculture, Biological Sciences & Forestry Arts Humanities Computer Science & IT Decision Sciences, Operations Research & Management Economics, Econometrics & Finance Education Engineering Environmental Science Industrial & Manufacturing Engineering Languange, Linguistic, Communication & Media Law, Crime, Criminology & Criminal Justice Library & Information Science Mathematics Nursing Public Health Social Sciences Other

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Transformation of BRIS, BNIS, and BSM into BSI : A Comparative Analysis of Financial Performance Using CAR, NPF, FDR, and ROA Ahmad Masy'aril Fuadi; Aufar Fadlul Hady; Khusnul Fikriyah
Jurnal Maps (Manajemen Perbankan Syariah) Vol. 9 No. 2 (2026)
Publisher : Masoem University

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.32627/maps.v9i2.1918

Abstract

The transformation of three state-owned Islamic banks BRIS, BNIS, and BSM into BSI represents a strategic initiative by the government to strengthen the national Islamic banking industry. This study conducts an in-depth analysis of the financial performance  differences of the three banks before and after the merger during the 2016–2024 period, using the indicators CAR, NPF, FDR, and ROA. A quantitative method with a descriptive approach and a Paired Sample T-Test was employed based on published financial statements. The findings indicate that, on average, financial performance improved after the merger. Significant differences were observed in the FDR and ROA ratios, both of which increased post-merger, whereas CAR and NPF Did not exhibit substantial changes. These analysis implies that the merger positively contributed to enhancing financing efficiency and profitability, although it has not yet had a substantial impact on capital adequacy or financing quality. This research is anticipated to act as a guide for government decision-making, regulators, and industry practitioners in assessing the effectiveness of consolidation efforts within Indonesia’s Islamic banking sector.
Purchasing Decision Mediates Halal Awareness and Brand Image on Viva Cosmetics Customer Satisfaction Berliana May; Khusnul Fikriyah
International Conference on Islamic Economic (ICIE) Vol. 5 No. 2 (2026): Article In Press
Publisher : Sekolah Tinggi Agama Islam Darul Ulum Banyuanyar Pamekasan

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.58223/icie.v5i2.497

Abstract

This study aims to examine the mediating role of purchase decisions in the relationship between halal awareness, brand image, and customer satisfaction of Viva Cosmetics. A quantitative approach was employed using primary data collected through online questionnaires from 151 Muslim consumers of Viva Cosmetics in Surabaya selected through purposive sampling. Data were analyzed using Partial Least Squares Structural Equation Modeling (PLS-SEM). The results indicate that halal awareness positively affects purchase decisions (β = 0.275, t = 3.446, p = 0.001), while brand image has a stronger positive effect on purchase decisions (β = 0.584, t = 7.151, p < 0.001). Purchase decisions significantly influence customer satisfaction (β = 0.254, t = 2.448, p = 0.014). Direct effects also show that halal awareness (β = 0.375, t = 2.825, p = 0.005) and brand image (β = 0.255, t = 2.247, p = 0.025) positively influence customer satisfaction. Mediation analysis reveals that purchase decisions do not significantly mediate the relationship between halal awareness and customer satisfaction (β = 0.070, t = 1.657, p = 0.098), whereas they significantly mediate the relationship between brand image and customer satisfaction (β = 0.148, t = 2.320, p = 0.020). The structural model explains 62.4% of the variance in purchase decisions (R² = 0.624) and 61.6% of the variance in customer satisfaction (R² = 0.616). These findings highlight the more substantial role of brand image than halal awareness in enhancing customer satisfaction through purchase decisions.
Implementation of the Integrated Entrepreneurship Learning Model on Entrepreneurial Interest Through Motivation as a Mediating Variable Khusnul Fikriyah; Anik Lestari Andjarwati; Saino Saino; Mariana Mariana; Lintang Venusita; Dea Andani Nur’aini
International Journal of Emerging Research and Review Vol. 4 No. 2 (2026): June
Publisher : IKIP Widya Darma Surabaya

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.56707/ijoerar.v4i2.174

Abstract

Objective: The Entrepreneurship Learning Model implemented at the Faculty of Economics and Business (FEB), Surabaya State University (Unesa), is an integrated learning model. This model aims to enhance students’ entrepreneurial interest through entrepreneurial motivation. Method: This study employs a quantitative research method. Data were collected through questionnaires, with respondents consisting of FEB Unesa students, and the data were obtained in 2024. The data were analyzed using Structural Equation Modeling–Partial Least Squares (SEM-PLS). Results: The results indicate that: 1.) the integrated learning model implemented at FEB has a significant effect on students’ entrepreneurial motivation; 2.) entrepreneurial learning motivation has a significant effect on entrepreneurial interest; and 3.) the learning model has a significant indirect effect on entrepreneurial interest through motivation. Novelty: These findings have several important implications. From an academic perspective, the development of entrepreneurship curricula in higher education should not rely solely on formal classroom learning (credit-based courses) but must also be supported by non-formal learning activities such as training, seminars, practical experiences, and the development of a real entrepreneurial ecosystem. Practically, these results also support the Merdeka Belajar Kampus Merdeka (MBKM) policy, particularly in designing programs such as Wirausaha Merdeka and entrepreneurship internships.
PENGARUH RELIGIUSITAS, INFLUENCER MARKETING DAN GAYA HIDUP TERHADAP IMPULSE BUYING PADA GENERASI Z DI SURABAYA zainal abidin, Muhammad; Fikriyah, Khusnul
Pendas : Jurnal Ilmiah Pendidikan Dasar Vol. 11 No. 03 (2026): Volume 11 Nomor 03, September 2026 Released
Publisher : Program Studi Pendidikan Guru Sekolah Dasar FKIP Universitas Pasundan

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.23969/jp.v11i03.61142

Abstract

The rapid growth of digital technology and social media usage has increased the tendency of Impulse Buying among Generation Z. This study aims to analyze the effects of religiosity, Influencer Marketing, and lifestyle on Impulse Buying among Generation Z in Surabaya. A quantitative approach with a causal associative design was employed. Data were collected through questionnaires distributed to 150 Generation Z respondents selected using purposive sampling. The data were analyzed using Structural Equation Modeling–Partial Least Squares (SEM-PLS). The findings reveal that religiosity has no significant effect on Impulse Buying. In contrast, Influencer Marketing and lifestyle have positive and significant effects on Impulse Buying. These findings indicate that Generation Z's Impulse Buying behavior is influenced more by external factors, particularly digital marketing exposure and lifestyle, than by internal religious values. This study contributes to consumer behavior literature from an Islamic economics perspective and provides practical implications for businesses in designing more effective and responsible digital marketing strategies.
Decisions to Purchase Nestlé Products as a Target of a Boycott: The Role of Consumer Trust in Halal Labels and Social Media Fitriyah Khusniati; Khusnul Fikriyah
International Conference on Islamic Economic (ICIE) Vol. 5 No. 2 (2026): Article In Press
Publisher : Sekolah Tinggi Agama Islam Darul Ulum Banyuanyar Pamekasan

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.58223/q0e7kq02

Abstract

The issue of boycotting products suspected of being affiliated with Israel poses a dilemma for Muslim consumers in making purchasing decisions, particularly regarding Nestlé products that have been certified as halal. This study aims to analyze the role of consumer trust as a mediating variable between Halal Certification and Social Media in relation to purchasing decisions regarding Nestlé products. The study employed a quantitative method using purposive sampling to gather data from 143 respondents via a Likert-scale questionnaire. Data were analyzed using Partial Least Squares-based Structural Equation Modeling (SEM-PLS). The results show that the halal label (β = 0.470, t = 4.622, p < 0.000) and social media (β = 0.465, t = 5.260, p < 0.000) have a significant positive effect on purchase decisions. Consumer trust also has a significant effect on purchasing decisions (β = 0.382, t = 5.758, p < 0.000). Furthermore, consumer trust was found to mediate the effects of the halal label (β = 0.182, t = 4.305, p < 0.000) and social media (β = 0.147, t = 4.031, p < 0.000) on purchase decisions. The structural model explains 71.1% of the variation in purchase decisions (R² = 0.711) and 55.0% of the variation in consumer trust (R² = 0.550). The novelty of this study lies in the use of Nestlé as the target of a boycott, a topic not previously examined. The findings indicate that exposure to boycott content on social media does not necessarily stop consumers from purchasing Nestlé products. This is because consumers tend to consider other factors before making a purchasing decision
Co-Authors Aang Kunaifi Abdul Hafidz Ach. Yasin Achmad Raihan Rafli Achmad, Dewi Nabila Adinda Putri Permata Hati Ahmad Ajib Ridlwan Ahmad Ajib Ridlwan Ahmad Kani Hasbullah Ahmad Masy'aril Fuadi Ahmad Masyaril Fuadi Ainul Rokhimah Alfianto, Titis Alisiya, Elinda Millenia Amalia Ruhana, Amalia Amirusholihin Amirusholihin Ananta Aime Nurulistya Anik Lestari Andjarwati Ardana, Rezalistia Arta, Aris Danu Arya Ramadhani Aufar Fadlul Hady Aulia Deva Ferdana Aulia Siska Puspita Dewi Azidni Rofiqo A’rasy Fahrullah A’rasy Fahrullah Berliana May Cahyati, Anisa Nur Clarashinta Canggih Dea Andani Nur’aini Dennis Ulfan Nanda Devi Ayuni Dewi Aliyah Dwi Nabilah Nur Utari Elsa Rizki Yulindasari Fahrullah, Fahrullah, A’rasy Fara Agustine, Arinta Farisul Umam Azka Febrika Yogie Hermanto Fira Nurafini Firdiana, Erika Fitri Amelia Fitriah Dwi Susilowati Fitriyah Khusniati Fresha Kharisma Harmain, Rizky Imani Humaidah, Lisma Insyirah Putikadea Ishmah Azizah Dwi Putri Iskandar Ritonga Kicky Camallya Arista Kusaeri Ladi Wajuba Perdini Fisabilillah Ladi Watjuba Perdini Lestari, Anisa Dea Lintang Venusita Lisma Humaidah LUCKY RACHMAWATI Mariana Maulana, Andriansyah Sulistyo Maulana, Luqman Maulana, Muhammad Iqbal Mishella Putri Alsya Aulia Moch. Khoirul Anwar Muh. Fahrurrozi Muhammad Farid Ilhamuddin Muhammad Widyarta Wijaya Muna, Arina Nadia Asandimitra Haryono Nadiah Masyahnda Salsabila Nayla Anissa Lahama Nikmatus Sholiqah Nikmatuz Zaidah Novita Sari Nurafini, Fira Nurfauzia, Vira Nurul Azizah Aunillah Devy Nurul Hanifa Nurul Hanifah Prabowo, Prayudi Setiawan Pramita, Adinda Dian pratiwi, dinda nurvianti Rachma Indrarini Rahayu, Jofanda Putri Rahmalia, Icha Ramadhanty, Rizki Nadia Rasyidi Faiz Akbar Reni Widiyanti Rezqy, Vira Oktaviani Ridlwan, Ajib Rizka Mauliddiana Rizky Aditya Ramadhan Saino Savitri, Dien Septyan budy Cahya Siti Khoiriyah Sri Abidah Suryaningsih Syakuro, Ahmad Abdan Sylvia Ira Dwi Novitasari Tri Setyawati Ulfa, Wulan Santika Umatin, Biba Ummah, Halizah Faridatul Uswatun Kasanah, Uswatun Veni Rafida Vivi Pratiwi Wira Yudha Alam Wulan Santikawati Ulfa Yan Putra Timur Yuliana Jamilatul Azizah Zainal Abidin, Muhammad Zhulmi Pradana, Muhammad Asrul