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The moderating effect of religiosity on intention to use product financing Faiz, Mochamad Wildan; Firmansyah, Fani
Asian Journal of Islamic Management (AJIM) VOLUME 6 ISSUE 1, 2024
Publisher : Faculty of Business & Economics, Universitas Islam Indonesia

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.20885/AJIM.vol6.iss1.art5

Abstract

Purpose – This study aimed to determine the effect of financial literacy and word of mouth on the intention to use financing with religiosity as a moderating variable in the BMT UGT Nusantara Capem Pujon.Methodology – This study employs a quantitative approach using primary data collected through accidental sampling. A total of 104 respondents, members of BMT UGT Nusantara Capem Pujon, who use financing products, participated by completing a Likert-scale questionnaire. Data were analyzed using Partial Least Squares (PLS) with SmartPLS version 3.2.9.Findings – The research findings indicate that financial literacy positively influences the intention to use BMT financing products. By contrast, word-of-mouth did not significantly affect this intention. Religiosity moderates the relationship between financial literacy and intention as well as between word-of-mouth and intention.Implications – These findings have several implications for BMT. First, enhancing financial literacy among members can significantly increase their intentions to use financial products. Second, given that word-of-mouth is not a significant factor, BMT should focus more on educational programs rather than relying solely on customer referrals. Finally, integrating religiosity into financial literacy initiatives could further strengthen members' intention to use the BMT's financial products, aligning with their values and beliefs.Originality – The novelty of this study lies in exploring how financial literacy, word of mouth, and religiosity collectively shape the intention to use financing products at BMT UGT Nusantara Capem Pujon, emphasizing the moderating role of religiosity in customized educational strategies to improve financial decisions within Islamic financial institutions.
Peran Brand Image dalam Memediasi Pengaruh Digital Marketing, dan Product Quality terhadap Purchse Decision: Studi Produk Make Over di E- Commerce Shopee Kota Malang Najatul Muti, Tria; Firmansyah, Fani
El-Mal: Jurnal Kajian Ekonomi & Bisnis Islam Vol. 6 No. 3 (2025): 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.v6i3.6698

Abstract

In the current digital era, technological advancements significantly influence consumer behavior, particularly through e-commerce platforms like Shopee. This study aims to analyze the impact of digital marketing and product quality on purchase decisions, with brand image serving as a mediating variable. Using a quantitative approach, data were collected via online questionnaires from 125 respondents who were Make Over consumers in Malang City. SmartPLS software was employed for data analysis. Results show that both digital marketing and product quality significantly influence purchase decisions directly and indirectly through brand image. These findings underscore the importance of optimizing digital strategies and maintaining product quality to enhance brand perception and consumer purchase decisions.
STRATEGI BAURAN PEMASARAN JASA DALAM MENINGKATKAN JUMLAH JAMAAH UMRAH (Studi Kasus Pada PT. UGTMAS Tour and Travel Pasuruan) Sifak, Mukhammad; Asnawi, H. Nur; Firmansyah, Fani
JURNAL ILMIAH EDUNOMIKA Vol. 8 No. 4 (2024): EDUNOMIKA
Publisher : ITB AAS Indonesia Surakarta

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.29040/jie.v8i4.16166

Abstract

The tourism industry, especially in Umrah travel services, has experienced significant development in recent decades. One of the companies that plays an important role in this industry is UGTMAS Tour and Travel. As an Umrah service provider that aims to continue to increase the number of Umrah pilgrims using its services. In this context, the marketing mix becomes crucial to study and optimize in order to achieve this goal. At this time, tourism growth is very rapid, as in Umrah travel tourism, it is necessary to know, while for Umrah, 2019 (Himpuh, 2023) This study uses a qualitative approach using the case study method to examine information on the marketing mix strategy of PT UGTMAS tour and travel. Data were collected through in-depth interviews with Informants such as the President Director, Operational Director, and Marketing and Equipment Staff. In addition, Field Observations and analysis of program documents were also carried out to obtain a comprehensive picture. Data were analyzed using Cresswell's Theory, Organizing and preparing data to be analyzed, Reading and viewing all data, Coding/marking all data, Using coding as material for creating descriptions, Connecting between themes, presenting and visualizing data. 3.1. Pilgrims' Decision in Choosing UGTMAS Tour and Travel Based on the results of the survey and interviews with pilgrims, there are several main factors that are considered in choosing UGTMAS Tour and Travel as an umrah service provider, namely: a) Affordable Prices The umrah package prices offered by UGTMAS are quite competitive compared to other travel agencies, with good service quality. In addition to offering a variety of products, UGTMAS is also known for setting umrah package prices that are quite affordable compared to other umrah travel agencies, but still maintaining good service quality. This competitive pricing strategy is one of the important factors that attracts prospective pilgrims. 3.2 Internal and External Factors that Influence the Implementation of Marketing Mix Strategy. Several internal factors that influence the implementation of UGTMAS' marketing mix strategy include: a) Human Resources (Quality and Quantity of Marketing Staff) Human resources are the main asset for service companies such as UGTMAS in implementing marketing strategies. The quality and quantity of marketing staff greatly influence the success of the implementation of the marketing mix. 3.3 Implementation of Current Marketing Mix Strategy at UGTMAS Tour and Travel Currently, UGTMAS has implemented the 7P marketing mix strategy quite comprehensively, although there is still room for improvement. The right service marketing mix strategy is very important for UGTMAS Tour and Travel in attracting potential Umrah pilgrims. The company needs to consider internal factors such as human resources and marketing budget, as well as external factors such as competition and technological developments. The implementation of 7P (product, price, place, promotion, people, process, and physical evidence) consistently and sustainably can increase the number of pilgrims using UGTMAS services. However, continuous improvement is also needed to face the ever-changing market dynamics.
Analisis Peran Emosi Positif Pada Perilaku Impulse Buying Generasi Z Banyuwangi Azid, Raka Malik; Supriyanto, Achmad Sani; Firmansyah, Fani
Jurnal Nusantara Aplikasi Manajemen Bisnis Vol 9 No 1 (2024): Jurnal Nusantara Aplikasi Manajemen Bisnis
Publisher : UNIVERSITAS NUSANTARA PGRI KEDIRI

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.29407/nusamba.v9i1.20967

Abstract

Research aim : This study aims to understand the effects of Islamic promotion, fashion involvement and hedonic shopping motivation on impulse buying by mediating positive emotions in Generation Z Banyuwangi. Design/Methode/Approach : This type of research is explanatory research and a quantitative approach. The sampling technique used the slovin technique, resulting in a total of 400 respondents. The data source utilizes survey data from online questionnaires with a Likert scale of 1-4. The analysis technique includes outer model testing and inner model testing with SmartPLS. Research Finding : The results of this study indicate that Islamic promotion, fashion involvement, hedonic shopping motivation and positive emotions have a positive and significant effect on impulse buying. Meanwhile, Islamic promotion and hedonic shopping motivation have a significant positive effect on impulse buying through positive emotions as mediation. However, the different results of positive emotions cannot mediate between fashion involvement and impulse buying. Theoretical contribution/Originality : Using Islamic promotional variables to implement appropriate marketing according to Islam and positive emotions as mediating variables are expected to have a significant effect both directly and indirectly. Practitionel/Policy implication : The implications of this research for e-commerce users as business actors, the use of Islamic promotions can encourage impulse buying among Generation Z in Banyuwangi Regency so as to increase sales of Muslim fashion products. For generation Z as consumers who shop with hedonic motives, fashion involvement, and positive emotions can trigger impulse buying, so that it has the potential for consumptive behavior. Research limitation : This research focuses on the impulse buying of Banyuwangi Z generation consumers who have shopped through e-commerce.