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All Journal ESENSI: JURNAL BISNIS DAN MANAJEMEN ETIKONOMI Al-Iqtishad : Jurnal Ilmu Ekonomi Syariah (Journal of Islamic Economics) IQTISHADIA TARBIYA : Journal Education in Muslim Society Tauhidinomics Jurnal Manajemen & Keuangan Liquidity: Jurnal Riset Akuntansi dan Manajemen Jurnal Ilmiah Manajemen Ubhara Iqtishadia: Jurnal Kajian Ekonomi dan Bisnis Islam Business and Entrepreneurial Review International Research Journal of Business Studies JPS (Jurnal Perbankan Syariah)
Muniaty Aisyah, Muniaty
UIN Syarif Hidayatullah Jakarta
Religion Decision Sciences, Operations Research & Management Economics, Econometrics & Finance Education Social Sciences Other

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THE INFLUENCE OF RELIGIOUS BEHAVIOR ON CONSUMERS’ INTENTION TO PURCHASE HALAL-LABELED PRODUCTS Muniaty Aisyah
Business and Entrepreneurial Review Vol. 14 No. 1 (2014): Volume 14, Number 1, October 2014
Publisher : Universitas Trisakti

Show Abstract | Download Original | Original Source | Check in Google Scholar | Full PDF (431.962 KB) | DOI: 10.25105/ber.v14i1.51

Abstract

The purposes of this research are to analyze the influence of consumers’ religious behavior on their intention to purchase halal-labeled products, and also to analyze whether consumers with Islamic educational background are different from consumers with general educational background in terms of their religious behavior and their intention to purchase halal-labeledproducts. This research uses purposive random sampling with 312 samples which represents the Muslim consumer especially students at State Islamic University of Jakarta and Trisakti University. This research applies Structural Equation Model to analyze the model and Mann-Whitney Test to analyze the differences. The finding showed that consumers’ religious behavior significantly influence their intention to purchase halal-labeled products, and only in terms of their intention to purchase halal-labeled products, consumers with Islamic educational background is higher than consumers with general educational background. Because of consumers’ religious behavior is high, consumer intention to purchase halal-labeled products also become elevated.Thus, it is suggested that government and related institutions need to implement the Security Act of Halal Products immediately in order to protect the consumer from consuming non-halal products which are often circulating in Indonesian market and potentially causing social, political and economical turmoil.
PENGARUH BRAND AMBASSADOR DAN IKLAN MEDIA SOSIAL TERHADAP KEPERCAYAAN DAN LOYALITAS PELANGGAN LAZADA DI MASA COVID-19 Dwi Syafarina; Muniaty Aisyah
Jurnal Ilmiah Manajemen Ubhara Vol 4, No 2 (2022): JURNAL ILMIAH MANAJEMEN UBHARA
Publisher : Prodi Magister Manajemen Fakultas Ekonomi dan Bisnis Universitas Bhayangkara Jakarta Raya

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.31599/jmu.v4i2.1047

Abstract

Penelitian ini bertujuan untuk menganalisis pengaruh brand ambassador dan iklan media sosial terhadap kepercayaan dan loyalitas pelanggan Lazada di masa Covid-19. Pengumpulan data dilakukan dengan cara menyebarkan kuesioner melalui google formulir dengan jumlah responden sebanyak 100 orang yang ditentukan dengan teknik purposive sampling. Teknik analisis yang digunakan adalah Partial Least Square (PLS). Hasil penelitian menunjukan bahwa: 1) Brand ambassador tidak berpengaruh secara langsung terhadap kepercayaan; 2) Brand ambassador tidak berpengaruh secara langsung terhadap loyalitas pelanggan; 3) Iklan media berpengaruh secara langsung terhadap kepercayaan; 4) Iklan media sosial tidak berpengaruh secara langsung terhadap loyalitas pelanggan; 5) Kepercayaan berpengaruh secara langsung terhadap loyalitas pelanggan; 6) Brand ambassador tidak berpengaruh secara tidak langsung terhadap loyalitas melalui kepercayaan; 7) Iklan media sosial berpengaruh secara tidak langsung terhadap loyalitas pelanggan melalui kepercayaan. Lazada perlu melakukan riset lebih lanjut untuk memilih brand ambassador yang tepat.
Efek Perilaku dan Persepsi Milenial terhadap Minat Menggunakan Mobile Banking Perbankan Syariah di Indonesia Aisyah, Muniaty
Jurnal Manajemen dan Keuangan Vol 12 No 2 (2023): JURNAL MANAJEMEN DAN KEUANGAN
Publisher : Management Study Program, Faculty of Economic, Universitas Samudra, Indonesia

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.33059/jmk.v12i2.7532

Abstract

The millennial generation dominates digital banking activity in Indonesia becauseof their dynamic behavior in accessing the internet. This study will analyze theeffects of Millennial behavior and their perception of Islamic banks on theirinterest in using its mobile banking with PLS analysis. The results showed thatonly Millennials' online behavior significantly influenced their perception ofIslamic banking and their interest in using mobile banking of Islamic banks, whileMillennials' financial behavior only influenced their interest in using it.Conversely, Millennial online transportation behavior does not affect eitherperception or interest in using mobile banking of Islamic banks. This study alsoshows that although Millennials' online and financial behavior significantly affectstheir interest in using mobile banking of Islamic banks, most Millennials prefer touse e-wallets such as Go-pay or OVO for their daily online transactions’ activitiesfor several different reasons.
The E-Marketing Mix Strategy of Tokopedia Salam during the Covid-19 Pandemic Mishbakhudin, Muhammad; Aisyah, Muniaty
International Research Journal of Business Studies Vol. 14 No. 3 (2021): December 2021-March 2022
Publisher : Universitas Prasetiya Mulya

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.21632/irjbs.14.3.215-227

Abstract

Technological developments and government plans in the sharia economic sector supported by the large potential of the Muslim market triggered the launch of sharia features in the e-commerce marketplace. This study aimed to analyze the effect of the e-marketing mix consisting of e-product, e-price, e-place, and e-promotion variables on consumer decision through e-trust in the sharia marketplace Tokopedia Salam during the Covid-19 pandemic. The sampling method used was purposive sampling with 150 respondents. The data analysis method used was Partial Least Square. The results of the study showed that there is a direct significant effect between the e-marketing mix variables, namely e-product, e-price, and e-promotion on e-trust, except for the e-place. Meanwhile, only e-promotion and e-trust variables have a significant direct effect on consumer decision. The results of this study also showed that e-product, e-price, and e-promotion indirectly have a significant effect on consumer decision through e-trust, except for the e-place. Tokopedia Salam with its various sharia characteristics is expected to provide other offers during the pandemic with things that are more familiar to marketplace customers such as basic product, competitive prices, various promotions, and free shipping.
The Generational Interest Differences in Cash Waqf Insurance Patriana, Ela; Aisyah, Muniaty; Al Arif, Mohammad Nur Rianto
ETIKONOMI Vol 24, No 1 (2025)
Publisher : Faculty of Economic and Business

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.15408/etk.v24i1.41731

Abstract

Research Originality: Cash waqf insurance is underexplored in Islamic finance, offering a unique lens for study. This research addresses the gap by examining how knowledge, perceived fairness, and perceived usefulness influence attitudes and behavioral intentions toward cash waqf insurance among Generation Z, Millennials, and Generation X.Research Objectives: The study aims to assess the impact of these factors on shaping attitudes and intentions toward cash waqf insurance. Integrating these factors into the Theory of Planned Behavior (TPB) optimizes public understanding and fosters positive engagement on cash waqf.Research Method: 437 data sets were collected from respondents across three generations and analyzed using Partial Least Squares- Structural Equation Modeling (PLS-SEM) and multi-group analysis (MGA). The study evaluates the direct effects of knowledge, perceived fairness, and perceived usefulness on attitudes, behavioral intentions, and generational differences in these relationships.Findings: Knowledge significantly affects attitudes for Gen Z and Millennials, but not Gen X. Perceived fairness strongly influences Gen X and Gen Z, but not Millennials. Perceived usefulness is a key factor across all generations, with the highest impact on Millennials.Implications: The findings highlight the need for targeted educational campaigns for younger generations and fairness-based strategies for older cohorts. Policymakers and institutions can use these insights to enhance engagement with cash waqf insurance products.JEL Classification: G22, Z12, C38How to Cite:Patriana, E., Aisyah, M., & Al Arif, M. N. R. (2025). The Generational Interest Differences in Cash Waqf Insurance. Etikonomi, 24(1), 299 – 314. https://doi.org/10.15408/etk.v24i1.41731.
The Survival Strategy of Indonesian Retailers in A Pandemic Aisyah, Muniaty
International Research Journal of Business Studies Vol. 16 No. 2 (2023): August - November 2023
Publisher : Universitas Prasetiya Mulya

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.21632/irjbs.16.2.179-188

Abstract

Transmart, a retail business network in Indonesia, has adopted new survival strategies during the Covid-19 pandemic. This research analyzes whether the health protocol service quality and advertising affect consumers’ intention and decision to shop at Transmart during the pandemic directly and indirectly. A primary data set of 112 samples was analyzed using path analysis with the convenience sampling method. The findings show that the health protocol service quality and advertising directly affect consumers’ intention and decision to shop at Transmart during the pandemic and that consumers’ intention is an intervening variable that mediates both indirect effects.
The impact of Islamic financial literacy on Islamic financial planning of Islamic university students Aisyah, Muniaty; Umiyati, Umiyati; Suzanawaty, Leis
JPS (Jurnal Perbankan Syariah) Vol 6 No 1 (2025): JPS (Jurnal Perbankan Syariah) - April
Publisher : LPPM ISNJ Bengkalis

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.46367/jps.v6i1.2223

Abstract

Purpose – This study aims to analyze the influence of Islamic university students' Islamic financial literacy on their Islamic financial planning. Method – This study uses a quantitative approach with convenience sampling and a Structural Equation Model - Partial Least Square (SEM-PLS) analysis technique. This study analyzed 110 primary data sets using the Smart PLS application. Representing the population of Islamic university students, the sample or respondents were students from the Islamic banking study program at Syarif Hidayatullah State Islamic University Jakarta, one of Indonesia's largest state Islamic universities. Findings – The results show that students' Islamic financial knowledge and behavior positively affect Islamic financial planning, while students' Islamic financial attitudes have no effect. Implications – Theoretically, this study can complement existing theories, especially the influence of Islamic financial knowledge and behavior on Islamic financial planning. Practically, this study can be a reference in improving Islamic financial literacy and planning of Islamic university students, especially regarding Islamic financial knowledge and behavior.
Efek M-Banking Service Quality Terhadap E-Loyalty yang Dimediasi E-Satisfaction dan E-Trust Pengguna BSI Mobile Dikalangan Gen Z Nurmaida, Nurmaida; Aisyah, Muniaty
Tauhidinomics: Journal of Islamic Banking and Economics Vol 3, No 2 (2023)
Publisher : Faculty of Economics and Business

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.15408/thd.v3i1.38018

Abstract

Penggunaan mobile banking di kalangan Generasi Z masih rendah, kemungkinan karena kualitas layanan yang kurang memadai sehingga mempengaruhi kepercayaan, kepuasan, dan loyalitas nasabah. Populasi dalam penelitian ini adalah para nasabah Gen Z Bank Syariah Indonesia (BSI) dengan 105 data sampel yang dikumpulkan menggunakan  convenient sampling. Data tersebut dianalisis menggunakan teknik analisis PLS-SEM untuk menguji hubungan prediktif antar konstruk. Hasil penelitian ini menunjukkan bahwa Kualitas Layanan M-Banking BSI mempunyai pengaruh langsung dan tidak langsung terhadap E-Satisfaction, E-Trust, dan E-Loyalty. Selain itu, E-Satisfaction dan  E-Trust secara berpengaruh langsung terhadap E-Loyalty. Kualitas Layanan M-Banking BSI berpengaruh tidak langsung terhadap E-Loyalty melalui E-Satisfaction dan E-Trust. Artinya E-Satisfaction dan E-Trust mampu memediasi variabel independent dengan variabel  dependent.  Hal ini menunjukkan adanya implikasi jika BSI mampu meningkatkan kualitas layanan m-baningnya secara berkesinambungan, misalnya dengan menambah fitur yang dapat digunakan secara terus menerus, BSI berpotensi meningkatkan kepercayaan, kepuasan dan loyalitas nasabahnya.
A Comparison of Muslim Millennial Students' Religiousity at Islamic and Non-Faith Based Universities Suzanawaty, Leis; Aisyah, Muniaty; Umiyati, Umiyati
TARBIYA: Journal of Education in Muslim Society TARBIYA: JOURNAL OF EDUCATION IN MUSLIM SOCIETY | VOL. 8 NO. 1 2021
Publisher : Faculty of Education and Teacher Training, UIN (State Islamic University) Syarif Hidayatul

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.15408/tjems.v8i1.19210

Abstract

AbstractThe purpose of this study was to assess the influence of learning in a higher education institution and the type of institution, on the religiosity of Muslim Millennial students in Indonesia. In this study, religiosity is defined using an Islamic theoretical framework and divided into two sub-variables: hablumminallah and hablumminannas behavior, which serve as dependent variables hablumminallah behavior also serve as an intervening variable. Thus, this work used the Structural Equation Modeling technique using 292 samples to analyze direct and indirect influences. The findings indicated that higher educational institutions directly affect the habluminallah behavior, but not on the habluminannas behavior. While this has an indirect effect on hablumminannas behavior, it is mediated by hablumminallah behavior. It suggests that the level of students' hablumminallah behavior, which is high, makes the higher educational institutions potentially affect the students' hablumminannas too. Moreover, this study used the One-way Anova test to determine whether there are differences in the socio-religious milieu and student religiosity of Islamic and non-faith-based universities. The findings indicate that religious facilities are superior in non-faith-based universities to those in Islamic universities, whereas Islamic subject professors' roles and management support are identical. , there is no difference in the behavior of hablumminallah and hablumminannas students. This shows that if a university provides adequate religious facilities, both Islamic and non-faith-based universities will encourage students' religiosity similarly. AbstrakPenelitian ini bertujuan menganalisis pengaruh perguruan tinggi terhadap religiusitas mahasiswa muslim milenial di Indonesia. Penelitian ini menggunakan kerangka teori dengan pendekatan Islami dimana religiusitas terbentuk dari dua sub variabel yaitu perilaku habluminallah dan hablumminannas sebagai variabel terikat, dimana perilaku hablumminallah juga sebagai variabel antara. Karenanya, untuk dapat menganalisis pengaruh langsung dan tidak langsung, penelitian ini menggunakan teknik Structural Equation Modelling dengan 292 sampel. data. Hasilnya menunjukkan bahwa secara langsung, perguruan tinggi hanya mempengaruhi perilaku habumminallah mahasiswa, namun tidak perilaku hablumminannasnya. Sedangkan secara tidak langsung, perguruan tinggi mampu mempengaruhi perilaku hablumminannas mahasiswanya yang dimediasi oleh perilaku hablumminallahnya. Hal ini mengindikasikan bahwa perilaku hablumminallah mahasiswa yang tinggi, menjadikan perguruan tinggi berpotensi mempengaruhi perilaku hablumminanas mahasiswanya pula. Penelitian ini juga melakukan uji One-way Anova untuk menganalisis apakah terdapat perbedaan kondisi sosial keagamaan di lingkungan kampus dan perilaku religius mahasiswa di universitas Islam dengan di universitas Umum. Hasilnya menunjukkan bahwa fasilitas keagamaan di universitas Umum lebih tinggi dibandingkan universitas Islam. Yang mengejutkan, tidak terdapat perbedaan perilaku habluminallah maupun hablumminannas antara mahasiswa universitas Islam dengan Umum. Hal ini mengimplikasin bahwa, jika fasilitas keagamaan di lingkungan universitas memadai, maka baik universitas Islam maupun Umum akan efektif mempengaruhi religiusitas mahasiswanya.How to Cite: Suzanawaty, L., Aisyah, M., Umiyati. (2021). A Comparison of Muslim Millennial Students' Religiousity at Islamic and Non-Faith Based Universities. TARBIYA: Journal of Education in Muslim Society, 8(1), 44-56. doi:10.15408/tjems.v8i1.19210.
Factors Influencing Generation Z's Purchasing Intention In BSI Mobile Gold Installments Amelia, Siska; Aisyah, Muniaty
JPS (Jurnal Perbankan Syariah) Vol 5 No 2 (2024): JPS (Jurnal Perbankan Syariah) - October
Publisher : LPPM ISNJ Bengkalis

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.46367/jps.v5i2.2056

Abstract

This study aims to analyze the influence of corporate image, content marketing, and price on the interest in buying BSI Mobile gold installment products among Generation Z. This study uses a quantitative approach with sampling through a purposive sampling method that was tested on 100 respondents who are Instagram followers @lifewithbsi from generation Z. The primary data source used was an online questionnaire distribution. The analysis technique used is the structural equation model - partial least square (SEM-PLS) using the SmartPLS analysis tool. This study found that corporate image and content marketing positively influence buying interest. At the same time, price does not affect buying interest. Theoretically, this study can provide information and supporting literature for the academic community in similar studies in the future. Practically, this study can be helpful to BSI in terms of corporate image and content marketing to increase the interest of customers and prospective customers from Generation Z in using its products.
Co-Authors Asraf Asraf Dwi Syafarina Erdawati Erdawati Leis Suzanawaty Mishbakhudin, Muhammad Mohammad Nur Rianto Al Arif Nurmaida Nurmaida Nurmaida, Nurmaida PATRIANA, ELA Riyan Apriansyah Siska Amelia, Siska Suzanawaty, Leis Umiyati Umiyati, Umiyati Umiyati, U. Umiyati, U.