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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 Equilibria Pendidikan : Jurnal Ilmiah Pendidikan Ekonomi Jesya (Jurnal Ekonomi dan Ekonomi Syariah) Ad-Deenar: Jurnal Ekonomi dan Bisnis Islam 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 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 Journal of Ekonomics, Finance, and Management Studies
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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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.
Co-Authors Abiba, Riska Widya Abil Yositya Indah Mauliza Ach. Yasin Achmad, Fadelia Afif, Zamitah Tahiyyah Ahmad Ajib Ridlwan Aini, Atica Qurrotun Akhlis Fatikhul Islam Albrian Fiky Prakoso Alfarisy, Fathor Rozy Amrullah, Habib Andi Fahrudin Andini, Annisa Putri Andriani Samsuri Anggraini, Yuanita Nur Annisa, Zhella Annisa Aprilia, Titin Arethusa, Zana Chobhita Arifah, Ika Dyah Candra Asmoro, Akbar Ariza 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 Difa Azzahrowani, Ilma Diva Carrisa Putri Efendi, Taufik Kukuh Endriyanto, Rizal Fadillah, Hikmatul Nur Fahrullah, Fajirin, Fauzan Bahamarianto Farichatul Muthi'ah Farichatul Muthi'ah Farichatul Muthi’ah Fata Habibullah Febriana, Vivi Cendrik 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 Khusnul Fikriyah Kulsum, Umu Kusumawati, Nunik Dwi 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 Mira Puspitasari Moch. Khoirul Anwar Mubarok, Muhammad Dzulfahmi Muhammad Amar Muhammad Burhanudin Munir, Maryam Bte Badrul Nabil Nazhif Fikri Ahmad Nanda Fadhilah Witris Salamy Novi Trisnawati Novia Jumatur Novy Aulia Safitri 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 Ratulangi, Galuh Revonnarta, Ervanda Ridlwan, Achmad Ajib Ridlwan, Ajib Rijal, Muhammad Qomarul Rizaldi Firmansyah Raden Rizky Dwi Salsabilla Machmudi Robbani, Abdullah Azzam Rohmah Sabiq Room Fitrianto, Achmad Rosadi, Danang Salsabila, Kamilatus 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 Taufiqur Rohman Tony Seno Aji Ulfia, Lily Warni, Fortuna Septiyaning Westermann, Alena Winarsih Winarsih Winarsih Winarsih Wulan sari, Asri Yan Putra Timur yasin, ach . Yatun Ilmiyah, Chil Zhella Annisa zulfa, indana