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All Journal ESENSI: JURNAL BISNIS DAN MANAJEMEN ETIKONOMI Al-Iqtishad : Jurnal Ilmu Ekonomi Syariah (Journal of Islamic Economics) TARBIYA : Journal Education in Muslim Society Tauhidinomics Jurnal Manajemen & Keuangan Liquidity: Jurnal Riset Akuntansi dan Manajemen Jurnal Ilmiah Manajemen Ubhara Business and Entrepreneurial Review International Research Journal of Business Studies JPS (Jurnal Perbankan Syariah) E-Jurnal Ekonomi dan Bisnis Universitas Udayana
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 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.
Peer Group Effects on Moslem Consumer’s Decision To Purchase Halal Labeled Cosmetics. Aisyah, Muniaty
Al-Iqtishad: Jurnal Ilmu Ekonomi Syariah Vol. 7 No. 2 (2015)
Publisher : UNIVERSITAS ISLAM NEGERI SYARIF HIDAYATULLAH JAKARTA

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.15408/aiq.v7i2.1682

Abstract

The purposes of this research are to analyze peer group effects on Moslem consumers’decision to purchase halal-labeled cosmetics directly and indirectly which is mediated by consumers’ religious behavior. This research applies Structural Equation Model and convenience random sampling with 215 samples who have bought halal-labeled cosmeticsand live in Southern Tangerang. The findings show that: first, peer groupdirectly affect consumers’ decisionto purchase halal-labeled cosmetics; second, hablumminannas behavior mediates peer group and consumers’decision to purchase halal-labeled cosmeticsindirectly, third, hablumminallah behavior has the most dominant effect on Moslem consumers’ decision to purchase halal-labeled cosmetics. Based on the findings, it could be concluded that the reason of consumers’ decision to purchase halal-labeled cosmetics is because their religious behavior are high. Therefore, 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 productsDOI: 10.15408/aiq.v7i2.1682
Consumer Demand on Halal Cosmetics and Personal Care Products in Indonesia Aisyah, Muniaty
Al-Iqtishad: Jurnal Ilmu Ekonomi Syariah Vol. 9 No. 1 (2017)
Publisher : UNIVERSITAS ISLAM NEGERI SYARIF HIDAYATULLAH JAKARTA

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.15408/aiq.v9i1.1867

Abstract

This research aims to analyze the influential factors involved in Moslem consumers’ decision to purchase halal cosmetics and personal care products in Indonesia by using the Theory of Planned Behavior. 100 questionnaires were analyzed using Structural Equation Modeling, collected from respondents of female consumers who purchased Wardah cosmetics and personal care products in South Jakarta and South Tangerang. The findings show that attitude, subjective norm, perceived behavioral control and purchase intention are positively related to the consumers’ decision to purchase halal cosmetics and personal care products. By addressing the consumers’ traits that can predict halal cosmetics and personal care products necessity, marketers could generate proper marketing strategies to validate consumers’ demand which in turn will stimulate the growth of halal products industry in Indonesia.DOI: 10.15408/aiq.v9i1.1867
Islamic Bank Service Quality and Its Impact on Indonesian Customers’ Satisfaction and Loyalty Aisyah, Muniaty
Al-Iqtishad: Jurnal Ilmu Ekonomi Syariah Vol. 10 No. 2 (2018)
Publisher : UNIVERSITAS ISLAM NEGERI SYARIF HIDAYATULLAH JAKARTA

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.15408/aiq.v10i2.7135

Abstract

Islamic bank provides products that conform to sharia. When world financial crisis happened, it did not constrain Islamic banking due to its interest free system. However, in Indonesia, the growth of Islamic bank assets is still in the tenth rank with less than five percent of market share. Customers are still in doubt of its professionalism. Superiority in products and service quality remains in sufficient for customer satisfaction and loyalty. The data sets in this research were analyzed by using path analysis for testing the direct impact and sobel test for indirect impact. The result shows that Islamic bank service quality in Indonesia impacts customer satisfaction and loyalty. However, customer satisfaction does not impact customer loyalty, both directly and indirectly. It means that customers are still dissatisfied with the services provided by Islamic banks. This research recommends strategies for improving service quality and consumer confidence on the distinction of Islamic banking system.DOI: 10.15408/aiq.v10i2.7135
Efek M-Banking Service Quality Terhadap E-Loyalty yang Dimediasi E-Satisfaction dan E-Trust Pengguna Bsi Mobile Di Kalangan Gen Z Nurmaida; Aisyah, Muniaty
Tauhidinomics: Journal of Islamic Banking and Economics Vol. 5 No. 1 (2025)
Publisher : Faculty of Economics and Business

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.15408/thd.v5i1.49129

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.
Co-Authors Asraf Asraf Desi Ramadina 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.