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All Journal Jurnal Bisnis, Manajemen, dan Informatika Jurnal Ilmiah Ekonomi Islam Al-Mashrafiyah : Jurnal Ekonomi, Keuangan, dan Perbankan Syariah Journal of Economics and Business UBS Jurnal Pengabdian Masyarakat : Pemberdayaan, Inovasi dan Perubahan Milkiyah: Jurnal Hukum Ekonomi Syariah Iqtisadie: Journal of Islamic Banking and Shariah Economy Journal of Economic Education and Entrepreneurship Studies Jurnal Manajemen Dan Bisnis Ekonomi Amsir Accounting & Finance Journal Jurnal Pengabdian Masyarakat dan Riset Pendidikan JIBEMA: Jurnal Ilmu Bisnis, Ekonomi, Manajemen, dan Akuntansi Adpebi International Journal of Multidisciplinary Sciences At Tawazun Jurnal ekonomi Islam Nomico Nomico Journal of Economic Education and Entrepreneurship Studies
St Hafsah Umar
Universitas Islam Negeri Alauddin Makassar
Religion Agriculture, Biological Sciences & Forestry Humanities Automotive Engineering Control & Systems Engineering Decision Sciences, Operations Research & Management Economics, Econometrics & Finance Education Environmental Science Industrial & Manufacturing Engineering Languange, Linguistic, Communication & Media Law, Crime, Criminology & Criminal Justice Mathematics Public Health Social Sciences Other

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Pengaruh Penggunaan Mobile Banking Dankinerja Pelayanan Terhadap Customer Retention Melalui Kepuasan Nasabah Sebagai Variabel Intervening (Studi Pada Bank Bsi Kcp Belopa Kab. Luwu) Hafsah Umar; Sudirman Sudirman; Marwah Dwi Cahyani
Journal of Economics and Business UBS Vol. 12 No. 2 (2023): Regular Issue
Publisher : UniSadhuGuna Business School

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.52644/joeb.v12i2.211

Abstract

Penelitian ini bertujuan untuk mengetahui Untuk pengaruh penggunaan mobile banking terhadap kepuasan nasabah; Pengaruh kinerja pelayanan terhadap kepuasan; Pengaruh penggunaan mobile banking terhadap upaya customer retention; Pengaruh kinerja pelayanan terhadap upaya customer retention; Pengaruh kepuasan terhadap customer retention; Pengaruh penggunaan mobile banking terhadap customer retention melalui kepuasan; Pengaruh kinerja pelayanan terhadap customer retention melalui kepuasan. Penelitian ini merupakan penelitian kuantitatif dengan penggunakan pengujian dengan SPSS Versi 25. Data yang digunakan dalam penelitian ini adalah data sekunder dan data primer. Populasi dalam penelitian ini adalah nasabah yang menggunakan BSI Mobile dengan pengambilan sampel menggunakan tekhnik Simple Random Sampling. Hasil penelitian ini menunjukkan bahwa penggunaan mobile banking berpengaruh terhadap kepuasan, kinerja pelayanan berpengaruh terhadap kepuasan, penggunaan mobile banking tidak berpengaruh terhadap customer retention, kinerja pelayanan tidak berpengaruh terhadap customer retention, penggunaan mobile banking berpengaruh terhadap customer retention melalui kepuasan; Kinerja pelayanan berpengaruh terhadap customer retention melalui kepuasan.
Pengaruh Penggunaan Mobile Banking Dankinerja Pelayanan Terhadap Customer Retention Melalui Kepuasan Nasabah Sebagai Variabel Intervening (Studi Pada Bank Bsi Kcp Belopa Kab. Luwu) Umar, Hafsah; Sudirman, Sudirman; Dwi Cahyani, Marwah
Journal of Economics and Business UBS Vol. 12 No. 2 (2023): Regular Issue
Publisher : Cv. Syntax Corporation Indonesia

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.52644/joeb.v12i2.211

Abstract

Penelitian ini bertujuan untuk mengetahui Untuk pengaruh penggunaan mobile banking terhadap kepuasan nasabah; Pengaruh kinerja pelayanan terhadap kepuasan; Pengaruh penggunaan mobile banking terhadap upaya customer retention; Pengaruh kinerja pelayanan terhadap upaya customer retention; Pengaruh kepuasan terhadap customer retention; Pengaruh penggunaan mobile banking terhadap customer retention melalui kepuasan; Pengaruh kinerja pelayanan terhadap customer retention melalui kepuasan. Penelitian ini merupakan penelitian kuantitatif dengan penggunakan pengujian dengan SPSS Versi 25. Data yang digunakan dalam penelitian ini adalah data sekunder dan data primer. Populasi dalam penelitian ini adalah nasabah yang menggunakan BSI Mobile dengan pengambilan sampel menggunakan tekhnik Simple Random Sampling. Hasil penelitian ini menunjukkan bahwa penggunaan mobile banking berpengaruh terhadap kepuasan, kinerja pelayanan berpengaruh terhadap kepuasan, penggunaan mobile banking tidak berpengaruh terhadap customer retention, kinerja pelayanan tidak berpengaruh terhadap customer retention, penggunaan mobile banking berpengaruh terhadap customer retention melalui kepuasan; Kinerja pelayanan berpengaruh terhadap customer retention melalui kepuasan.
Combined Assurance Strategy in Sharia Audit for Detecting Hifz al-Mal Violations in Islamic Financing Umar, St Hafsah
Journal of Economic Education and Entrepreneurship Studies Vol. 6 No. 3 (2025): VOL. 6, NO. 3 (2025): JE3S, SEPTEMBER 2025
Publisher : Department of Economics Education, Faculty of Economics, Universitas Negeri Makassar

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.62794/je3s.v6i3.10458

Abstract

The growth trajectory of Indonesia’s Islamic banking sector continues to reflect a positive trend; however, the industry remains confronted with critical challenges related to sharia non-compliance, particularly within financing instruments such as murābaḥah, muḍārabah, mushārakah, and ijārah. Various forms of non-compliance have emerged at both administrative and substantive levels, indicating potential violations of the ḥifẓ al-māl principle within the framework of maqāṣid al-sharīʿah. This study aims to explore and conceptualize an effective sharia audit strategy to detect such irregularities by proposing a four-pillar auditing model that integrates: (1) fatwa- and PSAK-based checklist mechanisms, (2) a combined assurance approach between the Sharia Supervisory Board and internal audit units, (3) strengthened professional competence and auditor scepticism, and (4) risk-based audit mapping. Employing a descriptive qualitative design through systematic library research, the study synthesizes primary regulatory texts and recent empirical scholarship using thematic classification and content analysis. The findings indicate that sharia auditing practices which remain focused on administrative compliance are insufficient for identifying substantive deviations. Consequently, a risk-oriented, collaborative, and maqāṣid-driven audit framework is required to ensure the protection and preservation of transactional value. This research contributes to the development of an operational and value-based sharia audit model that can support internal policy implementation within Islamic financial institutions and serve as an academic foundation for enhancing national sharia auditing standards.
Consumption Patterns in the Digital Age: Changing Consumers Behavior Affects the Global Economy Nova Yanti Maleha; St Hafsah Umar; Wiljan Atfentia Kotngoran; Miftakhul Huda
Nomico Vol. 1 No. 12 (2025): Nomico-January
Publisher : PT. Anagata Sembagi Education

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.62872/0bhtc013

Abstract

The development of digital technology has brought about significant changes in the consumption patterns of the global community. In the digital era, consumers increasingly rely on e-commerce platforms, social media and app-based services to fulfill their needs. This research aims to explore how changes in consumption patterns in the digital era affect consumer behavior and its impact on the global economy. This research uses a qualitative approach with a case study design and descriptive analysis to analyze the impact of economic digitalization on consumer consumption patterns, as well as the changes that occur in the business sector, especially in developing countries. The research found that digital consumers tend to be more informed, demand personalization, and care more about sustainability issues. E-commerce is a key element that is changing the way consumers interact with the market. In addition, digitalization is driving innovation in global business models, although it poses challenges such as digital inequality and data privacy. The results of this study provide important insights for governments and businesses to design strategies that are inclusive, sustainable and innovative. Policies and technological innovations need to be geared towards supporting changing consumption patterns, mitigating the challenges of digitalization, and capitalizing on global economic opportunities.
Combined Assurance Strategy in Sharia Audit for Detecting Hifz al-Mal Violations in Islamic Financing St Hafsah Umar
Journal of Economic Education and Entrepreneurship Studies Vol. 6 No. 3 (2025)
Publisher : Department of Economics Education, Faculty of Economics, Universitas Negeri Makassar

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

Abstract

The growth trajectory of Indonesia’s Islamic banking sector continues to reflect a positive trend; however, the industry remains confronted with critical challenges related to sharia non-compliance, particularly within financing instruments such as murābaḥah, muḍārabah, mushārakah, and ijārah. Various forms of non-compliance have emerged at both administrative and substantive levels, indicating potential violations of the ḥifẓ al-māl principle within the framework of maqāṣid al-sharīʿah. This study aims to explore and conceptualize an effective sharia audit strategy to detect such irregularities by proposing a four-pillar auditing model that integrates: (1) fatwa- and PSAK-based checklist mechanisms, (2) a combined assurance approach between the Sharia Supervisory Board and internal audit units, (3) strengthened professional competence and auditor scepticism, and (4) risk-based audit mapping. Employing a descriptive qualitative design through systematic library research, the study synthesizes primary regulatory texts and recent empirical scholarship using thematic classification and content analysis. The findings indicate that sharia auditing practices which remain focused on administrative compliance are insufficient for identifying substantive deviations. Consequently, a risk-oriented, collaborative, and maqāṣid-driven audit framework is required to ensure the protection and preservation of transactional value. This research contributes to the development of an operational and value-based sharia audit model that can support internal policy implementation within Islamic financial institutions and serve as an academic foundation for enhancing national sharia auditing standards.
Increasing Customer Loyalty Through E-Service Quality and Satisfaction: A Study on Muamalat Islamic Digital Applications Umar, St Hafsah; T, Andi Marhuni
Amsir Accounting & Finance Journal Vol. 2 No. 2 (2024): Juli
Publisher : Fakultas Bisnis Institut Ilmu Sosial dan Bisnis Andi Sapada

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.56341/aafj.v2i2.540

Abstract

Technological advances have made it easier for various business activities, including production, marketing, sales, and transactions. Technology has given birth to terms such as E-business and E-commerce, changing the way transactions are carried out without the need for a physical presence or cash payment. Now, cashless transactions can be made quickly and efficiently through mobile devices connected to the internet. This study aims to examine the influence of E-Service Quality on Customer Loyalty with Customer Satisfaction as an Intervening Variable. Using a quantitative approach with 186 samples of M-DIN users at Bank Muamalat KCP GOWA, data analysis was carried out through descriptive statistical analysis and path analysis. The results show that E-Service Quality has a positive and significant effect on Customer Loyalty, and Customer Satisfaction can mediate this influence on MDIN users.
Meningkatkan Pertumbuhan: Peran Kunci Manajemen Keuangan Syariah dalam Pengembangan UMKM di Indonesia Suharlina, Suharlina; Umar, St. Hafsah; Ferils, Muh
Amsir Accounting & Finance Journal Vol. 2 No. 1 (2024): Januari
Publisher : Fakultas Bisnis Institut Ilmu Sosial dan Bisnis Andi Sapada

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.56341/aafj.v2i1.441

Abstract

UMKM masih banyak memiliki masalah dalam kegiatan operasinya khususnya terkait pada manajemen keuangan syariah. proses dalam menggunakan dana yang seharusnya terencana agar dapat bermanfaat untuk UMKM dalam waktu jangka Panjang, dan juga proses dalam mengelola aset yang dimiliki oleh pelaku UMKM agar terjaga dan betahan dalam waktu jangka Panjang. Namun pada faktanya hal itu tidak diterapkan oleh Pelaku UMKM khususnya pada pencatatan transaksi yang sesuai dengan prinsip syariah yang diterapkan dalam manajemen keuangan syariah. Manajemen keuangan syariah merupakan konsep pengelolaan keuangan berdasarkan prinsip-prinsip syariah Islam, seperti adanya pembagian risiko antara pihak yang terlibat, larangan riba, dan pengelolaan keuangan yang transparan dan akuntabel. Konsep ini dapat membantu UMKM untuk mengembangkan kinerja keuangan mereka dengan cara yang adil dan berkelanjutan. penelitian ini bertujuan untuk mengevaluasi implementasi manajemen keuangan syariah dalam mengembangkan UMKM di Indonesia. Melalui penelitian ini, diharapkan akan ditemukan solusi praktis yang dapat membantu UMKM dalam mengelola keuangan mereka dengan lebih efektif dan berkelanjutan.
Studi Pengembangan Kawasan Halal Tourism di Kecamatan Bontotiro Kabupaten Bulukumba : Pengabdian Andi Idham A.P; St. Hafsah Umar; Suci Wening Asih
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.v4i4.5749

Abstract

Pengembangan wisata halal menjadi peluang strategis bagi daerah berciri sosial keagamaan kuat, termasuk Kecamatan Bontotiro, Kabupaten Bulukumba. Pengabdian ini bertujuan mengidentifikasi potensi kawasan, merumuskan strategi pengembangan, dan memperkuat peran perguruan tinggi dalam pemberdayaan masyarakat berbasis syariah. Metode meliputi survei lapangan dan analisis data sekunder mengacu pada pedoman wisata halal 2019 melalui 11 indikator, serta pendekatan partisipatif berupa sosialisasi, pendampingan UMKM syariah, dan pelatihan pencatatan keuangan serta akses pembiayaan halal bekerja sama dengan lembaga keuangan syariah. Hasil menunjukkan Bontotiro memiliki potensi wisata alam, religi, dan budaya yang didukung citra religius dan partisipasi masyarakat. Namun, aspek kebijakan, fasilitas ibadah, sertifikasi halal, promosi digital, dan permodalan UMKM perlu ditingkatkan. Penguatan UMKM syariah melalui kolaborasi dengan lembaga keuangan syariah dan pembentukan BMT menjadi strategi penting untuk mendukung ekosistem wisata halal berkelanjutan. Sinergi pemerintah, masyarakat, dan perguruan tinggi membuka peluang Bontotiro menjadi destinasi halal yang kompetitif, inklusif, dan memberdayakan ekonomi lokal.
Analisis Reward system dan Motivasi Kerja Islami dalam Meningkatkan Loyalitas Karyawan pada Bank Sulselbar Layanan Syariah Cabang Pinrang Salma Salma; Kamaruddin Kamaruddin; St. Hafsah Umar; Siti Fatimah; An Ras Try Astuti
JURNAL MANAJEMEN DAN BISNIS EKONOMI Vol. 4 No. 4 (2026): October : JURNAL MANAJEMEN DAN BISNIS EKONOMI
Publisher : Institut Teknologi dan Bisnis (ITB) Semarang

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.54066/jmbe-itb.v4i4.5008

Abstract

Competition and human resource management demands in Islamic banking require organizations to pay greater attention to reward systems and values that shape employee loyalty. This study aims to analyze the implementation of the reward system, the internalization of Islamic work motivation, and the forms of employee loyalty at Bank Sulselbar Sharia Service Pinrang Branch. This study employed a descriptive qualitative approach and was conducted from June to July 2026. Data were collected through observation and interviews with seven informants selected based on their roles, authority, and involvement in the research focus. The data were analyzed through data reduction, data display, and conclusion drawing, while data validity was examined using source triangulation. The findings show that the reward system is implemented through financial rewards, including salaries, allowances, incentives, bonuses, and length of service rewards, as well as non-financial rewards such as promotion, appreciation, recognition, praise, and certificates of achievement. Islamic work motivation is internalized through religious activities and the application of trustworthiness, honesty, responsibility, usefulness, and an orientation toward seeking the pleasure of Allah SWT. Employee loyalty is reflected in compliance with organizational rules and standard operating procedures, willingness to cooperate, a sense of belonging to the organization, harmonious interpersonal relationships, and enjoyment of work. These findings indicate that organizational rewards and the internalization of Islamic values are associated with the development of loyal employee attitudes and behaviors.
Pengaruh Keadilan Kompensasi, Etika Syariah, dan Pelatihan Soft Skill terhadap Loyalitas Pegawai Pegadaian Syariah Cabang Ujung Bulu Bulukumba Subran Taufik; Nuraeni Gani; St. Hafsah Umar; Siti Fatimah; Ilham Gani
JURNAL MANAJEMEN DAN BISNIS EKONOMI Vol. 4 No. 4 (2026): October : JURNAL MANAJEMEN DAN BISNIS EKONOMI
Publisher : Institut Teknologi dan Bisnis (ITB) Semarang

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.54066/jmbe-itb.v4i4.5037

Abstract

Employee loyalty is important for maintaining continuity of service, particularly in Islamic financial institutions. This study examines the partial and simultaneous effects of compensation justice, Islamic ethics, and soft skills training on employee loyalty at the Ujung Bulu Sharia Pawnshop Branch. A quantitative survey design was used. The sample consisted of 34 employees selected from a population of 51 through simple random sampling. Data were collected using a four-point Likert questionnaire and analyzed with multiple linear regression in SPSS 27. The results show that Islamic ethics has a positive and significant effect on employee loyalty. Compensation justice and soft skills training have positive coefficients, but their effects are not statistically significant. Simultaneously, the three independent variables significantly affect employee loyalty. The coefficient of determination of 0.822 indicates that the model explains 82.2% of the variation in employee loyalty in the sample. These findings suggest that strengthening the application of Islamic ethics may support employee loyalty. The organization may also review compensation policies and align soft skills training with employees’ work needs.
Co-Authors - Trimulato, - An Ras Try Astuti Andi Idham A.P Arifai, Samsul Asyraf Mustamin Dwi Cahyani, Marwah Fadliah Asna Ferils, Muh Fikriyah, Dina Ilham Gani Ismawati Kamaruddin Kamaruddin Kamaruddin Kotngoran, Wiljan Atfentia Maleha, Nova Yanti Marwah Dwi Cahyani Miftakhul Huda Miftakhul Huda Muhlis Muhlis Masin Nasrullah Bin Sapa Nasrullah, Andhini Putri Novianti Nova Yanti Maleha Nuraeni Gani Rizki Rahim Sagir Muhammad Sulaiman Salma Salma Samsul Samsul Samsul Samsul SITI FATIMAH Siti Fatimah Subran Taufik Suci Wening Asih Sudirman Sudirman Sudirman Sudirman Suharlina Suharlina Supriadi Surya Ningsih T, Andi Marhuni Tamaulina Br Sembiring Tri Mulato Wiljan Atfentia Kotngoran Wina Pradita