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All Journal EKOMBIS REVIEW: Jurnal Ilmiah Ekonomi dan Bisnis International Journal of Law Reconstruction Jurnal Bisnis dan Manajemen Jurnal Ekonomi Islam Al-Muzara'ah Jurnal Ekonomi & Keuangan Islam Al Qalam: Jurnal Ilmiah Keagamaan dan Kemasyarakatan Jurnal Inovasi Hasil Pengabdian Masyarakat (JIPEMAS) Jurnal Manajemen Bisnis SERAMBI: Jurnal Ekonomi Manajemen dan Bisnis Islam Tasharruf: Journal Economics and Business of Islam Jurnal Ilmiah Akuntansi Kesatuan Budapest International Research and Critics Institute-Journal (BIRCI-Journal): Humanities and Social Sciences Jurnal Pengabdian kepada Masyarakat Indonesian Journal of Business Analytics (IJBA) Jurnal Ekonomi Islam IIJSE Jurnal Pajak dan Analisis Ekonomi Syariah Indonesia Economic Journal
Yudi Ahmad Faisal
Fakultas Ekonomi Dan Bisnis Universitas Padjadjaran
Religion Agriculture, Biological Sciences & Forestry Arts Humanities Computer Science & IT Decision Sciences, Operations Research & Management Economics, Econometrics & Finance Energy Environmental Science Languange, Linguistic, Communication & Media Public Health Social Sciences Other

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Pengaruh Gratis Ongkir, Cashback, dan Ulasan Produk terhadap Pembelian Impulsif pada Mahasiswa Muslim Universitas Padjadjaran dengan Religiusitas sebagai Variabel Moderasi Shafa Alya Mariyah; Yudi Ahmad Faisal
Indonesia Economic Journal Vol. 2 No. 2 (2026): JULI-DESEMBER
Publisher : Indo Publishing

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.63822/5xw2hm72

Abstract

Maraknya promosi e-commerce seperti gratis ongkir, cashback, dan ulasan produk telah mendorong fenomena pembelian impulsif di kalangan konsumen digital, termasuk mahasiswa Muslim yang seharusnya berpegang pada prinsip kehati-hatian dalam konsumsi. Penelitian ini bertujuan untuk menganalisis pengaruh gratis ongkir, cashback, dan ulasan produk terhadap pembelian impulsif pada mahasiswa Muslim Universitas Padjadjaran, dengan religiusitas sebagai variabel moderasi. Penelitian ini menggunakan metode kuantitatif dengan pendekatan Structural Equation Modeling (SEM) terhadap 241 responden mahasiswa Muslim Universitas Padjadjaran. Hasil penelitian menunjukkan bahwa cashback berpengaruh positif dan signifikan terhadap pembelian impulsif (t = 5,639; p < 0,05), sedangkan ulasan produk dan religiusitas masing-masing berpengaruh negatif dan signifikan (t = 6,622 dan t = 3,725; p < 0,05). Sebaliknya, gratis ongkir tidak terbukti berpengaruh signifikan (t = 1,393; p = 0,164). Lebih lanjut, religiusitas tidak terbukti memoderasi secara signifikan pengaruh ketiga variabel independen tersebut terhadap pembelian impulsif (seluruh nilai t < 1,96; p > 0,05). Kebaruan penelitian ini terletak pada integrasi prinsip ekonomi Islam, seperti konsep israf, tabdzir, dan at-tabayyun, dalam menjelaskan perilaku konsumsi digital mahasiswa Muslim, serta pengujian peran religiusitas sebagai moderator yang ternyata bekerja secara independen, bukan memperkuat atau memperlemah pengaruh stimulus promosi. Temuan ini bermanfaat bagi pelaku usaha e-commerce dalam merancang strategi promosi yang lebih tepat sasaran, sekaligus menjadi kontribusi akademik dalam memperkaya literatur perilaku konsumen Muslim di era digital.
Digital Financing Business Models for MSMEs in Indonesia: Effect on Financial Access, Productivity, and Job Creation toward SDG 8 Adji Dwi Satya; Cupian; Yudi Ahmad Faisal
Jurnal Ilmiah Akuntansi Kesatuan Vol. 13 No. 6 (2025): JIAKES Edisi Desember 2025
Publisher : Institut Bisnis dan Informatika Kesatuan

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.37641/jiakes.v13i6.4336

Abstract

This study examines the role of digital financing business models in improving financial access and supporting MSME performance in Indonesia, aligned with SDG 8 goals of increasing productivity and job creation. Using a quantitative approach, the study surveyed 120 MSME owners from the Jakpreneur program in Jakarta. Quantitative data were analyzed using Partial Least Squares–Structural Equation Modeling (PLS-SEM). The results show that a well-designed digital financing business model significantly increases MSMEs’ use of digital financing platforms, which in turn improves financial access. Financial access has a strong positive effect on productivity and facilitates job creation, primarily through better employee welfare and capacity expansion. These findings highlight that digital financing not only enhances access to capital but also drives operational efficiency and sustainable business growth. The study contributes to the understanding of how digital financial solutions can act as a catalyst for inclusive economic development and provides insights for platform providers, policymakers, and future researchers to optimize their role in empowering MSMEs.
The Impact of The Baznas Microfinance Village Program on Improving The Economic Welfare and Religiosity of Female Heads of Households Muhammad Fathan Izzuddin; Cupian Cupian; Yudi Ahmad Faisal
EKOMBIS REVIEW: Jurnal Ilmiah Ekonomi dan Bisnis Vol 14 No 3 (2026): Juli
Publisher : UNIVED Press

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.37676/ekombis.v14i3.10538

Abstract

This study analyzes the impact of the BAZNAS Microfinance Desa (BMD) program on the economic welfare and religiosity of Female Heads of Households (PEKKA) in West Java. Using a mixed-method approach with SEM-PLS analysis and the CIBEST model involving 151 respondents, this study examines the influence of business capital, mentoring, and training. The SEM-PLS results indicate that business capital does not have a significant partial effect on economic welfare, whereas mentoring and training have a significant positive impact, with mentoring being the most dominant variable. Furthermore, the CIBEST analysis confirms the program's success through a drastic reduction in absolute poverty (material and spiritual) from 61 to 6 individuals, alongside a significant increase in the number of beneficiaries in the prosperous quadrant. The study concludes that financial assistance must be bundled with intensive mentoring to ensure sustainable economic independence and spiritual strengthening for PEKKA.
Gen Z intention toward Sharia insurance apps: Extending UTAUT with Sharia compliance and trust Junaedi, Putri Adhriani; Faisal, Yudi Ahmad; Widianto, Dwi
Jurnal Ekonomi & Keuangan Islam Volume 12 No. 2, July 2026
Publisher : Faculty of Economics, Universitas Islam Indonesia

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.20885/JEKI.vol12.iss2.art4

Abstract

Purpose – This study examines the factors influencing Generation Z’s intention to use Sharia insurance apps in West Java by extending the UTAUT framework with perceived Sharia compliance and trust. Methodology – A quantitative survey was conducted with 350 Gen Z respondents residing in West Java. Data were collected through an online questionnaire and analyzed using Partial Least Squares Structural Equation Modeling (PLS-SEM).Findings – The results show that performance expectancy, effort expectancy, social influence, and facilitating conditions positively influence behavioral intention. Perceived Sharia compliance has a negative direct effect on behavioral intention, whereas trust positively mediates the relationship between perceived Sharia compliance and behavioral intention. Implications – The findings suggest that Sharia insurance providers should improve application usefulness, ease of use, social engagement, technical support, and transparency in Sharia compliance to strengthen users’ trust and adoption intention. Originality – This study contributes to digital Islamic financial service literature by integrating perceived Sharia compliance and trust into the UTAUT framework in the context of Sharia insurance apps among Gen Z.
Co-Authors Adji Dwi Satya Al Bahri, Abil Arqom Amelia Rizky Alamanda Apriliadi, Ardi Ardi Apriliadi Asep Mulyana Asep Mulyana Budi Harsanto Cupian Cupian Cupian Dian Masyita Egi Arvian Firmansyah Erie Febrian Fadilla, Fadilla Fathoni, Muhammad Anwar Ferdiansyah, Nizar Fitri Irianti Hamzah, Muchammad Wilianto Joeliaty Joeliaty Junaedi, Putri Adhriani Kurniawan, Fakhry Hafiyyan Lukman Santoso Meutia Damai Nurlita Mokhamad Anwar Muhammad Fathan Izzuddin Novie Wulan Sari Nugraha, Ilham R. Rina Novianty Ariawaty Runita Arum Kanti Shafa Alya Mariyah Shandy, Venny Mellandhia Sulaeman Rahman Nidar Suryani Suryani Venny Mellandhia Shandy Verina Araminda Prinari WIDIANTO, DWI Wiji Astuti