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All Journal Analisis: Jurnal Studi Keislaman Al-Iqtishad : Jurnal Ilmu Ekonomi Syariah (Journal of Islamic Economics) Jurnal Akuntansi dan Pajak Jurnal Ilmiah Ekonomi Islam Li Falah: Jurnal Studi Ekonomi dan Bisnis Islam NISBAH: JURNAL PERBANKAN SYARIAH ILTIZAM Journal of Sharia Economic Research FIDUSIA : JURNAL KEUANGAN DAN PERBANKAN Ad-Deenar: Jurnal Ekonomi dan Bisnis Islam JESI (Jurnal Ekonomi Syariah Indonesia) At-tijaroh: Jurnal Ilmu Manajemen dan Bisnis Islam Jurnal Mantik Economic Education and Entrepreneurship Journal El-Usrah: Jurnal Hukum Keluarga Jurnal Ilmiah Edunomika (JIE) Al-Muqayyad Revenue: Jurnal Manajemen Bisnis Islam Jurnal Ilmu Perbankan dan Keuangan Syariah Jurnal Disrupsi Bisnis Jurnal Ilmu Ekonomi dan Bisnis Islam Jurnal Terapan Manajemen dan Bisnis Al-Mashrof: Islamic Banking and Finance Indonesian Journal of Islamic Economics and Business Al-Mu'awanah Bulletin of Community Engagement Jurnal Ad-Dariyah Golden Ratio of Finance Management Salam (Islamic Economics Journal) Cakrawala: Jurnal Studi Islam International Business and Accounting Research Journal Mutanaqishah: Journal of Islamic Banking Indonesian Journal of Islamic Economics and Finance KENDALI: Economics and Social Humanities Bukhori: Kajian Ekonomi dan Keuangan Islam Economica: Journal of Economic and Economic Education Jurnal Penelitian dan Pengabdian Masyarakat Al-Kharaj: Jurnal Ekonomi, Keuangan & Bisnis Syariah JCAIP: Journal of Contemporary Applied Islamic Philanthropy Jurnal Rekognisi Ekonomi Islam (JREI) JUEBIR: Journal of Economics and Business Research Jurnal Ekonomi, Manajemen, Akuntansi BAABU AL-ILMI: Ekonomi dan Perbankan Syariah Matrik: Jurnal Manajemen, Strategi Bisnis, Dan Kewirausahaan
Gustika Nurmalia
Universitas Islam Negeri Raden Intan Lampung
Religion Agriculture, Biological Sciences & Forestry Arts Humanities Computer Science & IT Decision Sciences, Operations Research & Management Economics, Econometrics & Finance Education Environmental Science Industrial & Manufacturing Engineering Languange, Linguistic, Communication & Media Law, Crime, Criminology & Criminal Justice Library & Information Science Social Sciences Other

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The Impact of Rupiah Exchange Rate and Crude Palm Oil (CPO) Export Value on the Gross Regional Domestic Product (GRDP) of Lampung Province: An Islamic Economic Perspective, 2013-2022 Anggraini, Dini; Ghofur, Ruslan Abdul; Nurmalia, Gustika
Li Falah: Jurnal Studi Ekonomi dan Bisnis Islam Vol. 1 No. 1 (2024): Special Edition: International Conference on Islamic Economics (ICOIE)
Publisher : Institut Agama Islam Negeri Kendari

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.31332/lifalah.v9i1.9845

Abstract

GRDP in Lampung province is still experiencing fluctuations, which has increased from 2013-2019. Then, in 2020 GRDP will decrease and will increase again in 2021-2022. The research method used is quantitative. The data source used in compiling this research is secondary data in the form of a time series, which was processed using EViews 10. Data obtained from BPS Lampung province includes data on the rupiah exchange rate, the value of CPO exports and the GRDP of Lampung province in 2013-2022. The results showed that partially, the rupiah exchange rate variable had a positive and significant effect on the GRDP in Lampung province in 2013-2022, and the CPO export value variable had no significant effect on the GRDP in Lampung province in 2013-2022. Meanwhile, the f (simultaneous) test shows that the rupiah exchange rate and the value of CPO exports jointly affected GRDP in Lampung province in 2013-2022. GRDP, in the perspective of Islamic economics, will affect tax revenues by increasing waqf, zakat, alms and other income taxes which will have a good impact because increasing regional revenue is expected to increase welfare and economic growth.
Effect of SCnP Financial Performance on Third-Party Funds Growth in Indonesian Islamic Banks (2017-2023) Nur'aini, Aninda; Purnamasari, Femei; Nurmalia, Gustika
Jurnal Ilmu Perbankan dan Keuangan Syariah Vol. 7 No. 1 (2025)
Publisher : Program Studi Perbankan Syariah Fakultas Ekonomi dan Bisnis Islam UIN Datokarama Palu

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.24239/jipsya.v7i1.323.55-78

Abstract

This study aims to examine the effect of Islamic banking financial performance on the growth of Third Party Funds (TPF) in Indonesia in the period 2017–2023 using the Sharia Conformity and Profitability (SCnP) approach. This study focuses on three independent variables, namely the Islamic Investment Ratio (IIR), Islamic Income Ratio (IsIR), and Return on Assets (ROA). This study answers the gap in previous studies that rarely combine the balance between sharia compliance and profitability in explaining TPF growth. The method used is quantitative with panel data analysis using the Fixed Effect Model (FEM) on a sample of seven Islamic Commercial Banks (BUS) in Indonesia. The estimation results show that IIR (p = 0.5913) and IsIR (p = 0.9954) do not have a significant effect on TPF growth. On the other hand, ROA (p = 0.0096) has a positive and significant effect, indicating that bank profitability has a stronger influence on public trust and fund placement decisions than sharia compliance indicators. These findings suggest that while compliance with sharia principles is important, people still prioritize financial outcomes when choosing where to save their money. Therefore, Islamic banks are advised to maintain operational efficiency while strengthening sharia-based investment structures to increase credibility and competitiveness.
PENGARUH PENDAPATAN, GAYA HIDUP DAN RELIGIUSITAS TERHADAP MINAT MENABUNG DI BANK SYARIAH (Studi Pada Masyarakat Sekincau Lampung Barat) Akbar, Tulus Rizkon; Habibi, Ahmad; Nurmalia, Gustika
JURNAL TERAPAN MANAJEMEN DAN BISNIS Vol 11, No 2 (2025): VOLUME 11 NUMBER 2 (2025)
Publisher : STKIP Singkawang

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.26737/jtmb.v11i2.7689

Abstract

Penelitian ini bertujuan untuk menganalisis pengaruh pendapatan, gaya hidup, dan religiusitas terhadap minat menabung di bank syariah pada masyarakat Sekincau, Lampung Barat. Latar belakang dari penelitian ini adalah rendahnya minat masyarakat terhadap lembaga keuangan syariah meskipun keberadaan bank syariah semakin berkembang. Metode yang digunakan dalam penelitian ini adalah pendekatan kuantitatif dengan jenis penelitian deskriptif. Data primer dikumpulkan melalui penyebaran kuesioner kepada 100 responden yang dipilih menggunakan teknik stratified proportional random sampling. Analisis data dilakukan dengan menggunakan regresi linier berganda yang didukung oleh uji validitas, reliabilitas, dan asumsi klasik. Hasil penelitian menunjukkan bahwa pendapatan tidak berpengaruh positif dan signifikan terhadap minat menabung di bank syariah. Sebaliknya, gaya hidup dan religiusitas memiliki pengaruh positif dan signifikan terhadap minat menabung. Hal ini mengindikasikan bahwa perilaku menabung di bank syariah lebih banyak dipengaruhi oleh pola hidup dan nilai-nilai keagamaan individu dibandingkan dengan kondisi finansial semata. Penelitian ini memperkuat teori Theory of Planned Behavior (TPB) yang menyatakan bahwa sikap, norma subjektif, dan persepsi kontrol perilaku memengaruhi niat seseorang untuk bertindak, termasuk dalam keputusan keuangan seperti menabung.
THE INFLUENCE OF RELIGIOSITY AND BELIEF ON INTEREST IN PAYING NON-CASH ZAKAT THROUGH THE DIGITAL ISLAMIC BANKING SYSTEM: A Study on Muslim Millennials in Bandar Lampung Putri, Aprila Sari Ardini; Purnamasari, Femei; Nurmalia, Gustika
Ad-Deenar: Jurnal Ekonomi dan Bisnis Islam Vol. 9 No. 02 (2025): Ad-Deenar: Jurnal Ekonomi dan Bisnis Islam
Publisher : Sekolah Tinggi Agama Islam Al Hidayah Bogor

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.30868/ad.v9i02.8721

Abstract

This study aims to analyze the influence of religiosity and trust on the interest in paying non-cash zakat through the digital Islamic banking system among the Muslim millennial generation in Bandar Lampung City. The background of the study is based on the rapid development of digital technology and the increasing trend of donations through digital channels, especially during and after the COVID-19 pandemic. In this context, religiosity and trust are assumed to be two main factors influencing an individual's decision to distribute non-cash zakat. This study uses a quantitative approach with a survey method through a questionnaire distributed to 96 respondents. Data analysis was conducted using multiple linear regression to test the relationship between the independent variables (religiosity and trust) and the dependent variable (interest in paying non-cash zakat). The results show that religiosity has no significant effect, while trust has a positive and significant influence on the interest in paying non-cash zakat through the digital Islamic banking platform. These findings provide important implications for zakat management institutions and Islamic financial institutions in developing more effective zakat digitalization strategies that are in line with the characteristics of the millennial generation.
Content Marketing on TikTok and Online Reviews: Impact on Purchase Intentions and Decisions for Gen Z in Indonesia Wulan, Mutiarasari Nur; Dalimunthe, Nindytia Puspitasari; Husna, Nurul; Nurmalia, Gustika
Economic Education and Entrepreneurship Journal Vol 7, No 2 (2024): Economic Education and Entrepreneurship Journal (E3J)
Publisher : FKIP Universitas Lampung

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

Abstract

This study try to test the content marketing, online customer reviews, and consumer behavior, namely purchasing decisions and mediated by a preference or purchase interest approach. Local brand bag fashion is a growing trend in society, supported by the major role of social media progress, namely TikTok, especially among generation Z. However, business actors need to understand the characteristics of the TikTok platform and its users well. The existence of interesting marketing content, the creation of online consumer reviews, this can increase consumer interest and ultimately make consumers interested in buying products. The research method used a Google Form questionnaire involving 266 respondents. The purposive sampling is used in this research with the criteria of generation Z who bought local brand bags on the TikTok platform. SMART PLS 4.0 was used to evaluate the data. The study's findings demonstrated that: content marketing significantly and favorably influenced consumer behavior; content marketing significantly and favorably influenced preferences; preferences significantly and favorably influenced consumer behavior; customer reviews significantly and favorably influenced consumer behavior; customer reviews significantly and favorably influenced preferences; content marketing significantly and favorably influenced consumer behavior with preference mediation; and content marketing significantly and favorably influenced consumer behavior with preference mediation.DOI: http://dx.doi.org/10.23960/E3J/v7.i2.215-223 
Impact of Non-Performing Financing and Capital Adequacy on Profit Growth in Islamic Commercial Banks Kori Saumanisa; Ridwansyah; Gustika Nurmalia
Mutanaqishah: Journal of Islamic Banking Vol. 5 No. 2 (2025): July - December
Publisher : Department of Islamic Banking

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.54045/mutanaqishah.v5i2.2844

Abstract

Purpose – This study aims to determine the effect of Non-Performing Financing and capital adequacy on profit growth partially and simultaneously. The population in this study was 14 Islamic commercial banks, with a sample of 12 Islamic commercial banks. Methodology – This type of research employs a quantitative approach with an explanatory research design, utilizing a data analysis methodology that includes panel data regression analysis, assisted by EViews analysis. Findings – The results of this study indicate that partially non-performing financing has a positive and significant impact on profit growth, while capital adequacy does not significantly affect profit growth. Simultaneously, non-performing financing and capital adequacy affect profit growth. Implication – The implication is that Islamic commercial banks need to focus more on managing non-performing financing due to its significant impact on profit growth, despite its positive influence.  In addition, although capital adequacy does not have a partial effect, bank management must still consider both factors simultaneously to ensure stability and sustainable profit growth. Originality – The originality of this study lies in its specific focus on Islamic commercial banks in Indonesia in the period 2020-2024, a period that includes the impact of the pandemic and economic recovery, as well as the use of panel data analysis to simultaneously explore the effect of non-performing financing and capital adequacy on profit growth.
Gaya Hidup Berbasis Digital Dan Perilaku Konsumtif Pada Gen Z Di Bandar Lampung: Keputusan Pembelian Melalui Marketplace Shopee Nurmalia, Gustika; Mutiasari Nur Wulan; Zathu Restie Utamie
Jurnal Rekoginisi Ekonomi Islam Vol. 3 No. 01 (2024)
Publisher : Fakultas Ekonomi dan Bisnis Universitas Islam Nahdlatul Ulama Jepara

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.34001/jrei.v3i01.846

Abstract

In the current era of modern society dominated by Gen Z, along with the development of digital trends, people's lifestyles are slowly changing, tending to prefer things that are fast, easy and practical that can be done via smartphone. The problem formulation in this research is whether a digital-based lifestyle influences purchasing decisions on the Shopee marketplace? Does consumer behavior influence purchasing decisions on the Shopee marketplace? And do digital-based lifestyles and consumer behavior together influence purchasing decisions on the Sahopee marketplace from an Islamic economic perspective? The aim of this research is to find out whether a digital-based lifestyle influences purchasing decisions on the Shopee marketplace and to find out whether consumer behavior influences purchasing decisions on the Shopee marketplace. This research uses a quantitative type of research. The research was conducted in the city of Bandar Lampung, the population in this study was Gen Z in Bandar Lampung, the sample used in this study was 96 people taken using purposive sampling techniques, a questionnaire that had been tested for validity and reliability, and the data analysis technique used was hypothesis testing. The type of data in this research is primary data, data was collected via Google form and analyzed using the Multiple Linear Regression Analysis technique using the SPSS program. The results of this research show that lifestyle (X1) has a positive and significant effect on purchasing decisions. This means that every time there is an improvement in lifestyle, it will increase consumer purchasing decisions. This happens because of changes in increasingly modern times so that people compete to follow lifestyle trends. Then, consumer behavior (X2) has a positive and significant effect on purchasing decisions. This means that the higher the consumer behavior in generation Z, the higher the level of purchasing decisions. Generation z tends to be highly influenced by social factors and trends. Shopee, as an e-commerce platform that is popular among them, often displays the latest trends, viral products, and limited special offers. And provides easy and practical accessibility for generation z in Bandar Lampung. By using a smartphone and an internet connection, they can search, compare and buy the products they want. This makes it easier for them to fulfill their consumption needs and desires.
Influence Perceived Ease of Use, Perceived Usefulness and Social Influence Against Intention to Use Video on Demand Services at Netflix Sari, Tri Novita; Purnamasari, Femei; Nurmalia, Gustika
Indonesian Journal of Islamic Economics and Finance Vol. 5 No. 1 (2025)
Publisher : Institut Agama Islam Sunan Giri Ponorogo

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.37680/ijief.v5i1.7090

Abstract

As the number of users of Video on Demand services such as Netflix continues to grow, interest in examining the factors that influence the intention to use these platforms is also increasing. This inquiry aims to explore consumer behavior toward such services from the perspective of Islamic Economics and to analyze the effects of perceived usefulness, perceived ease of use, and social influence on the intention to use Netflix among residents of Sukarame, Bandar Lampung. A quantitative approach was employed, using purposive sampling to select 96 respondents. The data were analyzed using the Structural Equation Modeling Partial Least Square method. The discoveries indicate that all three independent element s perceived usefulness, ease of use, and social influence have a positive and significant impact on the intention to use Netflix. These outcomes can serve as a valuable reference for service providers seeking to improve user experience and for scholars conducting further research on technology adoption within an Islamic framework.
Pendampingan Branding Produk UMKM Opak Singkong di Desa Cilimus Kecamatan Teluk Pandan Kabupaten Pesawaran Lampung Nurmalia, Gustika; Astarika, Dela; H, Clarissa Novianti; Handayani, Ani
Jurnal Penelitian dan Pengabdian Masyarakat Vol. 1 No. 4 (2023): November 2023
Publisher : Yayasan Pondok Pesantren Sunan Bonang Tuban

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.61231/jp2m.v1i4.151

Abstract

This community service activity aims to provide assistance to MSME actors in providing knowledge about product branding to increase buyer attraction and selling value of Opak Singkong MSMEs in Cilimus Village, Teluk Pandan District, Pesawaran Regency, Lampung. This activity is held through face-to-face training (On the spot training) with methods that include lectures, question and answer sessions, and assignments to participants. Product branding assistance is a very important effort in increasing buyer attraction and selling value of opaque cassava MSME products in Cilimus Village, Teluk Pandan District, Pesawaran Regency. Through this activity, MSME participants are given a better understanding of the importance of branding in building consumer trust in products. The result is an improvement in logo design that fits their brand and products, as well as the ability to market products more effectively.
Pendampingan Sumber Tanaman Pangan Obat ( Tanobat ) di Desa Cilimus Kecamatan Teluk Pandan Kabupaten Pesawaran Lampung Nurmalia, Gustika; Bittaqwa, Bry Bima; Azizah, Novi Nur
Jurnal Penelitian dan Pengabdian Masyarakat Vol. 2 No. 2 (2024): May 2024
Publisher : Yayasan Pondok Pesantren Sunan Bonang Tuban

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.61231/jp2m.v2i2.253

Abstract

The aim of the service is to provide socialization and implementation of the concept of combining food and medicinal plants in the context of stunting prevention and the use of traditional herbal ingredients. in Cilimus Village. The research method involves outreach and training activities for the community regarding the benefits and use of various plants, such as eggplant to prevent stunting, chilies to enrich dishes, and ginger as a herbal concoction. The results of the service show that Tanobat is able to have a positive impact, both in efforts to prevent stunting through the introduction of eggplant, and in the use of traditional herbal ingredients such as ginger. The people of Cilimus Village are increasingly aware of the added value of food and medicinal plants, and appreciate their traditional herbal heritage. The conclusion is that the introduction of the Tanobat concept can strengthen community empowerment by improving health and welfare through easily accessible food and medicinal plants, as well as maintaining valuable herbal traditions. This effort supports the goals of sustainable development and improving the quality of life of the community
Co-Authors A, Novia A. Kumedi Ja’far A. Zuliansyah Afrizandi Afrizandi Agus Kurniawan Agus Kurniawan Ahmad Habibi ahmad habibi Ahmad Habibi Ahmad Hazas Syarif Ahmad, Syukron Aina Nur Ajizah, Syifa Akbar, Tulus Rizkon Andita, Maulian Andriansyah Bastian Anggareni, Erike Anggrayani, Viki Anggun Okta Fitri Any Eliza Apita Sari Arisca, Nurmalita Asriani Asriani Asriani Asriani, Asriani Assya Octafany Astarika, Dela aulia, zahara Awang Ulianti Ayasar, Prayogi Putra Azizah, Novi Nur Bagas Herdi Prasetio Bahrudin, Moh Bahrudin, Moh. Bittaqwa, Bry Bima Cahya Bulan Safitri Dalimunthe, Nindytia Puspitasari Dedi Satriawan Dewi Tradena Dimas Pratomo Dini Anggraini, Dini Endang Marlina Erike Anggraeni Farhana, Nur Laila Fella Aprilia Herlambang Femei Purnamasari Galuh Ramadhan H, Clarissa Novianti Handayani, Ani Hanif Hanif Heni Noviarita Herfina, Inne Dwi Heri, Mad Irfansyah, Nanda Iva Faizah Juwita, Safna Khavid Normasyhuri Kori Saumanisa M Ammar Firas Wafiq Mardhiyah Hayati Marfilia, Alda Mariska, Uut Maulian Andita Mega Fatimah Rosana Moh. Bahrudin Muhamad Iqbal Muhammad Iqbal Fasa Muhammad Kurniawan Mutiasari Nur Wulan Mutiasari Nur Wulan Nabilli Rahman Normasyhuri, Khavid Novia A Nur'aini, Aninda Nurrohmah, Nurul Nurul Husna octafany, assya Putri Dwi Alfiani Putri Monica Sari Putri, Aprila Sari Ardini Rahmadani, Widia Ramadhan, Andika Dian Ramadhani, Mutiara Repika Reza Amanda Bahtiari Reza, Aditya Okta Ridwansyah Ridwansyah Ridwansyah Risma Wati Ruslan Abdul Ghofur Sabina Ayu Gosye Nova Sari, Defya Sari, Putri Wulan Setya Ayu Nastiti Solehah, Azmi Fadhilatus Suhendar, S. Susanto, Is Syarif, Hazas Syukron Ahmad Tedi Rusman Tri Novita Sari, Tri Novita Ujang Hanief Musthofa Wahyu Iryana Wahyu Iryana Wulan Nurhidayah Wulan, Mutiarasari Nur Wulan, Mutiasari Nur Yudhistira Ardana Yudhistira Ardana, Yudhistira Zathu Restie Utamie Zuliansyah, A