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All Journal El Dinar Al-Ulum Jurnal Ekonomi dan Bisnis Islam Al-Wijdan : Journal of Islamic Education Studies Jurnal Mirai Management Jurnal Ilmiah Ekonomi Islam AKRUAL: Jurnal Akuntansi Li Falah: Jurnal Studi Ekonomi dan Bisnis Islam al-Uqud : Journal of Islamic Economics Dinamisia: Jurnal Pengabdian Kepada Masyarakat Pendas : Jurnah Ilmiah Pendidikan Dasar Equilibria Pendidikan : Jurnal Ilmiah Pendidikan Ekonomi Jesya (Jurnal Ekonomi dan Ekonomi Syariah) Ad-Deenar: Jurnal Ekonomi dan Bisnis Islam Syarikat : Jurnal Rumpun Ekonomi Syariah Iqtishoduna: Jurnal Ekonomi Islam JESI (Jurnal Ekonomi Syariah Indonesia) J-Dinamika: Jurnal Pengabdian Kepada Masyarakat Amwaluna Jurnal Ekonomi dan Keuangan Syariah Journal of Economics, Business, and Government Challenges Revenue: Jurnal Manajemen Bisnis Islam Ihsan: Jurnal Pengabdian Masyarakat Jurnal Pengabdian UNDIKMA EMBISS: Jurnal Ekonomi, Manajemen, Bisnis, Sosial Iqtishaduna : Jurnal Ilmiah Mahasiswa Hukum Ekonomi Syariah JIKEM: Jurnal Ilmu Komputer, Ekonomi dan Manajemen PROFICIO: Jurnal Pengabdian Masyarakat MOVE: Journal of Community Service and Engagement Sibatik Journal : Jurnal Ilmiah Bidang Sosial, Ekonomi, Budaya, Teknologi, Dan Pendidikan Abimanyu: Journal of Community Engagement Jurnal Ekonomika dan Bisnis Islam Perbanas Journal of Islamic Economics and Business Inspirasi: Jurnal Pengabdian dan Pemberdayaan Masyarakat International Journal of Emerging Research and Review Socius: Social Sciences Research Journal JSE: Jurnal Sharia Economica International Conference on Islamic Economic Al-Kharaj: Jurnal Ekonomi, Keuangan & Bisnis Syariah El-Mal: Jurnal Kajian Ekonomi & Bisnis Islam Ekonomi Keuangan Syariah dan Akuntansi Pajak Iqtishadia: Jurnal Ekonomi dan Perbankan Syariah
Rachma Indrarini
Universitas Negeri Surabaya
Religion Agriculture, Biological Sciences & Forestry Arts Humanities Civil Engineering, Building, Construction & Architecture 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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Pengaruh Israf, Faktor Budaya, Sosial, Pribadi, dan Psikologis Terhadap Keputusan Pembelian Hijab Buttonscarves di Surabaya Rif'atun Ni'mahSyafila; Rachma Indrarini
Syarikat: Jurnal Rumpun Ekonomi Syariah Vol. 9 No. 1 (2026): Syarikat : Jurnal Rumpun Ekonomi Syariah
Publisher : Program Studi Ekonomi Syariah, Fakultas Agama Islam Universitas Islam Riau

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.25299/syarikat.2026.vol9(1).27204

Abstract

Fenomena meningkatnya konsumsi fashion hijab premium menunjukkan bahwa Keputusan pembelian tidak lagi semata didasarkan pada kebutuhan fungsional, tetapi juga dipengaruhi oleh nilai, gaya hidup, serta status social. Dalam perspektif ekonomi Islam, perilaku konsumsi berlebihan dikenal dengan Israf, yaitu penggunaan harta yang melampaui batas kewajaran. Keputusan pembelian juga dipengaruhi oleh faktor budaya, sosial, pribadi dan psikologis. Dengan demikian, penelitian ini bertujuan untuk mengetahui pengaruh Israf, faktor budaya, social, pribadi, dan psikologis. Dengan demikian, penelitian ini bertujuan untuk mengetahui pengaruh Israf, faktor budaya, sosial, pribadi, dan psikologis terhadap keputusan pembelian hijab Buttonscarves di Surabaya. Penelitian ini menggunakan pendekatan kuantitatif asosiatif dengan data primer yang diperoleh melalui penyebaran kuesioner secara online kepada 240 responden, dengan teknik purposive sampling. Teknik analisis data yang digunakan adalah Partial Least Squares–Structural Equation Modeling (PLS-SEM) menggunakan aplikasi SmartPLS. Hasil penelitian menunjukkan bahwa secara parsial faktor budaya, sosial, dan pribadi berpengaruh terhadap keputusan pembelian hijab Buttonscarves, sedangkan Israf dan faktor psikologis tidak berpengaruh. Temuan ini menunjukkan bahwa keputusan pembelian hijab premium lebih banyak dipengaruhi oleh faktor eksternal dan karakteristik individu dibandingkan dorongan konsumsi berlebihan. Penelitian ini terbatas pada konsumen hijab Buttonscarves di Surabaya dengan teknik purposive sampling sehingga hasil penelitian belum dapat digeneralisasikan secara luas.  
Pengaruh Label Halal, Faktor Budaya, Sosial, Pribadi, dan Psikologis terhadap Keputusan Pembelian Produk Makanan Milik Influencer pada Generasi Z di Kota Surabaya Annisa Zulfa Rahmatullaila Khalda; Rachma Indrarini
Syarikat: Jurnal Rumpun Ekonomi Syariah Vol. 9 No. 1 (2026): Syarikat : Jurnal Rumpun Ekonomi Syariah
Publisher : Program Studi Ekonomi Syariah, Fakultas Agama Islam Universitas Islam Riau

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.25299/syarikat.2026.vol9(1).27205

Abstract

Penelitian ini bertujuan untuk menganalisis pengaruh label halal, faktor budaya, faktor sosial, faktor pribadi, dan faktor psikologis terhadap keputusan pembelian produk makanan milik influencer pada generasi Z di Kota Surabaya. Penelitian ini menggunakan pendekatan kuantitatif dengan data primer yang diperoleh melalui penyebaran kuesioner secara online. Teknik pengambilan sampel menggunakan purposive sampling, dengan kriteria responden merupakan generasi Z yang berdomisili di Kota Surabaya dan pernah membeli produk makanan milik influencer. Jumlah responden yang diperoleh sebanyak 266 responden. Analisis data dilakukan menggunakan Partial Least Squares Structural Equation Modeling (PLS-SEM) pada aplikasi SmartPLS4. Metode ini dipilih karena mampu menganalisis hubungan antar variabel laten secara parsial. Hasil penelitian menunjukkan bahwa faktor budaya, faktor sosial, faktor pribadi, dan faktor psikologis berpengaruh signifikan terhadap keputusan pembelian produk makanan milik influencer pada generasi Z di Kota Surabaya. Sementara itu, label halal tidak berpengaruh signifikan, yang mengindikasikan bahwa keputusan pembelian generasi Z lebih banyak dipengaruhi oleh aspek gaya hidup, lingkungan sosial, serta pertimbangan personal dan psikologis dibandingkan dengan pertimbangan normatif seperti label halal. Namun, penelitian ini memiliki keterbatasan karena generalisasi hasil masih terbatas pada wilayah perkotaan (Kota Surabaya) dan metode kuantitatif belum dapat menggali alasan psikologis maupun sosial di balik keputusan pembelian produk makanan milik influencer. Selain itu, masih terdapat variabel potensial lain seperti citra influencer, kepercayaan konsumen, kualitas produk, dan e-WOM yang belum diakomodasi dalam penelitian ini.
The Influence of Maslahah, Cultural, Social, Personal, and Psychological Factors on Generation Z’s Decision to Purchase Secondhand Clothing Ela Inayatul Lutfiyah; Rachma Indrarini
International Conference on Islamic Economic (ICIE) Vol. 5 No. 1 (2026): April
Publisher : Sekolah Tinggi Agama Islam Darul Ulum Banyuanyar Pamekasan

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.58223/icie.v5i1.469

Abstract

This study aims to analyze the influence of maslahah, cultural, social, personal, and psychological factors on the purchase decision of secondhand clothes in Generation Z in Surabaya. This study uses a quantitative method with an associative approach. The sample was taken using purposive sampling techniques from Generation Z respondents in the city of Surabaya who had purchased secondhand clothes. Primary data were collected through questionnaires and analyzed using Partial Least Square-Structural Equation Modelling (PLS-SEM). The results of the study show that maslahah and cultural factors have no influence on the purchase decision. These findings indicate that consideration of benefits and cultural values are not the main determinants in secondhand clothing purchase decisions in Generation Z. On the contrary, other factors such as social, personal, and psychological show a significant positive influence on purchase decisions. This shows that the influence of the social environment, individual characteristics, and psychological aspects such as motivation and perception have a dominant role in shaping secondhand clothing purchase decisions in Generation Z
Cashless Payment: Pengaruh Pendapatan, Diskon dan Cashback Terhadap Perilaku Konsumsi Islam Mahasiswa Lulusan Pesantren di Surabaya Kamilatus Salsabila; Rachma Indrarini
El-Mal: Jurnal Kajian Ekonomi & Bisnis Islam Vol. 7 No. 3 (2026): El-Mal: Jurnal Kajian Ekonomi & Bisnis Islam
Publisher : Intitut Agama Islam Nasional Laa Roiba Bogor

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.47467/elmal.v7i3.10250

Abstract

This study aims to analyze the effect of income, discounts, and cashback on the Islamic consumption behavior of pesantren graduate students who use cashless payment systems in Surabaya. The background of this research arises from the growing use of digital payment methods, which may influence students’ consumption patterns. The study employs a quan-titative method with an explanatory research approach and purposive sampling technique involving 179 pesantren graduate respondents. Data were analyzed using Structural Equation Modeling (SEM) based on Partial Least Squares (PLS) with SmartPLS software. The results reveal that income and discounts have a positive and significant effect on Islamic consumption behavior, while cashback has no significant effect. These findings indicate that pesantren graduates maintain prudence and simplicity in financial transactions, particularly regarding cashback forms that are non-cashable and potentially contain elements of gharar (uncertainty). Overall, this study highlights the importance of designing digital promotions that comply with Islamic principles of transparency, fairness, and halal transactions in today’s cashless era.
Determinan Impulsive Buying Produk Fashion Menggunakan Pay Later pada Generasi Z di Kota Surabaya Galuh Ratulangi; Rachma Indrarini
El-Mal: Jurnal Kajian Ekonomi & Bisnis Islam Vol. 7 No. 3 (2026): El-Mal: Jurnal Kajian Ekonomi & Bisnis Islam
Publisher : Intitut Agama Islam Nasional Laa Roiba Bogor

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.47467/elmal.v7i3.10270

Abstract

This study aims to analyze the influence of products, social media marketing, consumer characteristics, and Islamic consumption behavior on impulsive purchases of fashion products using Pay Later. The widespread use of Pay Later and the lack of research linking impulsive purchases with Islamic consumption perspectives form the basis of this study. This study uses a quantitative method with an associative approach. The sample was taken using purposive sampling from Generation Z respondents in Surabaya who had made fashion product transactions using Pay Later. Primary data were collected through questionnaires and analyzed using Partial Least Square–Structural Equation Modeling (PLS-SEM). The results showed that social media marketing and consumer characteristics had a significant positive influence on impulsive buying. Conversely, Islamic consumption behavior has a significant negative effect on impulsive buying, indicating its role as self-control. The product variable was found to have no significant effect on impulsive buying. These findings indicate that consumer characteristics as internal factors are the main drivers, while Islamic consumption behavior as an understanding of Islamic values is the main inhibitor of impulsive buying in this digital era.
Analisis Faktor Penentu Minat Nasabah Terhadap Penggunaan Aplikasi Mobile Banking Syariah: Integrasi Model TAM Mira Puspitasari; Rachma Indrarini
El-Mal: Jurnal Kajian Ekonomi & Bisnis Islam Vol. 7 No. 3 (2026): El-Mal: Jurnal Kajian Ekonomi & Bisnis Islam
Publisher : Intitut Agama Islam Nasional Laa Roiba Bogor

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.47467/elmal.v7i3.10288

Abstract

Innovations in digital applications such as Islamic mobile banking offer convenience and efficiency in conducting financial transactions. However, the presence of this technology has also given rise to various risk perceptions among the public. Therefore, it is necessary to understand the factors that influence customers’ intention to use Islamic mobile banking applications. This study aims  to analyze  the impact of several variables, namely perceived ease of use, perceived benefits, social and financial services, and perceived risk on intention to use Islamic mobile banking applications. Quantitative methods were used as the approach in this study. Primary data were collected from 264 respondents selected through purposive sampling using a questionnaire. To analyze the data, the Structural Equation Modeling Partial Least Squares (SEM-PLS) method was used. The results showed that perceived ease of use, perceived benefits, and social and financial services had a positive and significant impact on intention to use Islamic mobile banking application. However, unlike other variables, perceived risk was found to have no significant influence on intention to use the application.
Pengaruh Literasi Keuangan Digital, Religiusitas, dan Persepsi Risiko terhadap Minat Menggunakan Peer-to-Peer Lending Syariah pada Generasi-Z Taufik Kukuh Efendi; Rachma Indrarini
Syarikat: Jurnal Rumpun Ekonomi Syariah Vol. 8 No. 2 (2025): Syarikat : Jurnal Rumpun Ekonomi Syariah
Publisher : Program Studi Ekonomi Syariah, Fakultas Agama Islam Universitas Islam Riau

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.25299/syarikat.2025.vol8(2).22989

Abstract

Penelitian ini menganalisis minat menggunakan layanan peer to peer lending (P2P Lending) syariah pada Generasi Z di Kota Surabaya. Latar belakang penelitian ini didasarkan pada pesatnya perkembangan fintech di Indonesia, di kalangan Generasi Z yang sangat terbuka terhadap teknologi. Penelitian ini bertujuan untuk mengetahui faktor yang mempengaruhi minat Generasi Z dalam menggunakan fintech Metode yang digunakan dalam penelitian ini adalah pendekatan kuantitatif dengan penyebaran kuesioner secara Online kepada 170 responden diperoleh melalui teknik convenience sampling, seluruh responden merupakan kalangan Generasi Z di Kota Surabaya. Analisis data dilakukan dengan metode SEM-PLS. Hasil penelitian menunjukkan bahwa variabel persepsi risiko memiliki pengaruh negatif terhadap minat menggunakan P2P Lending syariah. Sebaliknya, variabel literasi keuangan digital, Religiusitas, persepsi kegunaan, dan persepsi kemudahan penggunaan memiliki pengaruh positif terhadap minat menggunakan peer to peer lending syariah.
Analisis Strategi Pemasaran Syariah Berbasis Maqashid Syariah Pada Penjualan Produk Pakaian Muslimah di Branded Moslemwear Atica Qurrotun Aini; Rachma Indrarini
Jurnal Ekonomika dan Bisnis Islam Vol 8 No 2 (2025): Agustus
Publisher : Universitas Negeri Surabaya

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.26740/jekobi.v8n2.p65-75

Abstract

This study aims to analyze the marketing strategy sharia based on maqashid sharia in the sale of Muslim clothing products at Branded Moslemwear. The study used a qualitative approach with a case study method, where data was collected through interviews, observations, and documentation, then analyzed using NVivo software. The results showed that Branded Moslemwear implemented a marketing strategy based on the 4P marketing mix (Product, Price, Place, Promotion) which was adjusted to the principles of maqashid sharia, namely maintaining religion (hifzh al-din), soul (hifzh al-nafs), wealth (hifzh al-mal), reason (hifzh al-aql), and descendants (hifzh al-nasl). The product strategy is focused on halal, comfortable, and sharia-compliant Muslim clothing. Prices are set fairly by paying attention to quality and providing discounts. Distribution is carried out through physical stores, online platforms, and resellers to expand market reach. Promotion is carried out transparently through social media and marketplaces, with education about the importance of dressing in accordance with sharia. The implementation of maqashid sharia in marketing not only increases business profits but also creates blessings and welfare for customers.
Pengaruh Islamic Financial Literacy, Mental Accounting, dan Subjective Norm terhadap Perilaku Pengelolaan Keuangan Mahasiswa KIP Kuliah dengan Locus Of Control Sebagai Variabel Intervening Zhella Annisa Annisa; Rachma Indrarini
Jurnal Ekonomika dan Bisnis Islam Vol 8 No 3 (2025): Desember
Publisher : Universitas Negeri Surabaya

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.26740/jekobi.v8n3.p24-47

Abstract

Financial management issues among university students often arise due to limited financial literacy, weak self-control, and a social environment that does not fully support healthy financial behavior. This becomes even more crucial for KIP-K scholarship recipients, who are required to manage their educational aid funds wisely and in accordance with Islamic principles. This study aims to examine the influence of Islamic financial literacy, mental accounting, and subjective norm on the financial management behavior of Muslim students receiving the KIP-K scholarship at the Faculty of Economics and Business, Universitas Negeri Surabaya, with Locus of control as a mediating variable. A quantitative approach was employed, involving 256 respondents and analyzed using the SEM-PLS method. The results indicate that all independent variables have a positive and significant effect on both financial management behavior and Locus of control. Furthermore, Locus of control significantly mediates the relationship between the three independent variables and financial behavior. These findings suggest that Muslim KIP-K scholarship recipients at FEB UNESA tend to demonstrate sound financial management behavior, characterized by careful financial planning, strong self-control, and adherence to Islamic financial principles.
Pengaruh Kemudahan, Kegunaan, dan Kepercayaan Terhadap Minat Berinfak Menggunakan QRIS di Surabaya Dian Puspita Rahmawati; Rachma Indrarini
Jurnal Ilmiah Ekonomi Islam Vol. 12 No. 4 (2026): Jurnal Ilmiah Ekonomi Islam
Publisher : ITB AAS INDONESIA Surakarta

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.29040/jiei.v12i4.20444

Abstract

Although infak offers flexibility in terms of the amount and timing of donations, the proportion of funds collected through infak remains lower than that of zakat. This situation highlights the need to study the factors that drive public interest in using the Quick Response Code Indonesian Standard (QRIS) to channel infak. This study aims to analyze the influence of convenience, usefulness, and trust on the public’s interest in making infak donations using QRIS in Surabaya. The study used a quantitative approach with Partial Least Squares Structural Equation Modeling (PLS-SEM). A total of 152 Respondents residing in Surabaya, aged 17 or older, and who had previously used QRIS were selected using purposive sampling, while data were collected through an online questionnaire using a five-point Likert scale. The analysis results confirmed that ease of use (0.173; p-value = 0.014), perceived usefulness (0.282; p-value = 0.003), and trust (0.447; p-value = 0.000) play a role in increasing the interest in making charitable donations using QRIS. Among these three variables, trust emerged as the dominant factor influencing the interest in making charitable donations using QRIS. The coefficient of determination (R²) value of 0.653 indicates that the research model explains 65.3% of the variance in interest in making charitable donations using QRIS, while the remainder is explained by other factors not included in this research model.
Co-Authors Abiba, Riska Widya Abil Yositya Indah Mauliza Ach. Yasin Achmad, Fadelia Ahmad Ajib Ridlwan Ahmad Junaidi Akhlis Fatikhul Islam Al Mashuum, Hisyaam Musyaffa Albrian Fiky Prakoso Alfarisy, Fathor Rozy Amrullah, Habib Andi Fahrudin Andini, Annisa Putri Andriani Samsuri Anggraini, Yuanita Nur Annisa Zulfa Rahmatullaila Khalda Arethusa, Zana Chobhita Arifah, Ika Dyah Candra Asmoro, Akbar Ariza Atica Qurrotun Aini Ayu Larasati A’rasy Fahrullah Bagas Abiyyu Farrasdianto Binti Zakaria, Zalina Bistiana, Mila Cahyono, Aralda Febrian Cantika Agustia Cantika Agustia Clarashinta Canggih Daffa Eka Septianda Dayanti, Riski Desita Pidie Finistyasa Dhefita Sari Dian Puspita Rahmawati Difa Azzahrowani, Ilma Diva Carrisa Putri Efendi, Taufik Kukuh Ela Inayatul Lutfiyah Endriyanto, Rizal Fadillah, Hikmatul Nur Fahrullah, Fajirin, Fauzan Bahamarianto Farichatul Muthi'ah Farichatul Muthi'ah Farichatul Muthi’ah Fata Habibullah Febriana, Vivi Cendrik Fikriyah, Khusnul Fira Nurafini Firmanda, Muhammad Esza Maulana Fitria Hikmatul Jannah Fitriah Dwi Susilowati Galuh Ratulangi Hanifah Saputri, Safhira Evani Hendry Cahyono Irfan Ramis Jannah, Fitria Hikmatul Javantara, Alfado Chievo Junaedi Dwi Mulyanto Kamilatus Salsabila Kulsum, Umu Ladi Watjuba Perdini Lily Ulfia LUCKY RACHMAWATI Lutfiyatul Rosidah Maghfiroh, Mamluatul Mamluatul Maghfiroh Mauren Gita Mauren Gita Miranti Meisyaroh Catur Wulandari Merlyana Dwinda Yanthi Mia Karunia Putri Mira Puspitasari Moch. Khoirul Anwar Muhammad Amar Muhammad Burhanudin Muhammad Dzulfahmi Mubarok Munir, Maryam Bte Badrul Nabil Nazhif Fikri Ahmad Nanda Fadhilah Witris Salamy Novi Trisnawati Novia Jumatur Novy Aulia Safitri Nunik Dwi Kusumawati Nur Ainiyah Nur Syam Nurafini, Fira Nurarista, Erina Ayu Nurhayati Nurillah, Shinta Lintang Nurul Hanifa Nurul Hanifah Prakasa, Novan Adi Puji Lestari Puji Lestari Puspitasari, Siska Dwi Putri, Diva Carrisa Putri, Seftia Talenta Raden Achmad Fuad Rahmatika, Febrina Rahmawati, Zeni Ramdani Revonnarta, Ervanda Ridlwan, Achmad Ajib Ridlwan, Ajib Rif'atun Ni'mahSyafila Rijal, Muhammad Qomarul Rizaldi Firmansyah Raden Rizky Dwi Salsabilla Machmudi Robbani, Abdullah Azzam Rohmah Sabiq Room Fitrianto, Achmad Rosadi, Danang Sania Ardiana Sari Edi Cahyaningrum Sari, Eka Septia Shinta Lintang Sholihah, Farah Aunti Siti Nur Aini Sitti Fatimah Khairunnisaa Sofiana, Nana Sri Abidah Suryaningsih Sri Herianingrum Sulistyo Wiky Aprianto Taufik Kukuh Efendi Taufiqur Rohman Titin Aprilia Tony Seno Aji Ulfia, Lily Warni, Fortuna Septiyaning Westermann, Alena Winarsih Winarsih Winarsih Winarsih Wulan sari, Asri Yan Putra Timur Yatun Ilmiyah, Chil Zamitah Tahiyyah Afif Zhella Annisa Zhella Annisa Annisa zulfa, indana