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All Journal ETIKONOMI Sosiohumaniora Jurnal Ekonomi dan Bisnis Jagaditha Among Makarti JURNAL KEBANGSAAN Binus Business Review Jurnal Pendidikan Ekonomi & Bisnis JURNAL AKUNTANSI, EKONOMI dan MANAJEMEN BISNIS EKONOMIS : Journal of Economics and Business Fokus Ekonomi Almana : Jurnal Manajemen dan Bisnis Ekombis: Jurnal Fakultas Ekonomi Community Development Journal: Jurnal Pengabdian Masyarakat Indomera : Jurnal Magister Manajemen Cita Ekonomika: Jurnal Ilmu Ekonomi Jurnal Investasi Islam Aceh Journal of Community Engagement (AJCE) Jurnal Simki Economic Jurnal Ekonomi Kuantitatif Terapan
Azhari Azhari
Dosen FEB Universitas Islam Kebangsaan Indonesia (UNIKI)
Religion Agriculture, Biological Sciences & Forestry Arts Humanities Computer Science & IT Decision Sciences, Operations Research & Management Economics, Econometrics & Finance Education Engineering Environmental Science Health Professions Languange, Linguistic, Communication & Media Law, Crime, Criminology & Criminal Justice Library & Information Science Public Health Social Sciences

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THE EFFECT OF CUSTOMER SATISFACTION ON CUSTOMER LOYALTY THROUGH BRAND RELIGIOSITY IMAGE AS AN INTERVENING VARIABLE ON BANK ACEH SYARIAH CUSTOMERS Kamaruddin, Kamaruddin; Soemitra, Andri; Bi Rahmani, Nur Ahmadi; Yuda Bakti, I Gede Mahatma; Azhari, Azhari
Sosiohumaniora Vol 26, No 2 (2024): Sosiohumaniora: Jurnal Ilmu-Ilmu Sosial dan Humaniora, JULY 2024
Publisher : Universitas Padjadjaran

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.24198/sosiohumaniora.v26i2.55125

Abstract

This research proposes to determine the effect of (1) customer satisfaction on brand image religiosity, (2) brand image religiosity on customer loyalty, (3) customer satisfaction on customer loyalty, and (4) customer satisfaction on customer loyalty towards brand image religiosity as an intervening variable. The research was conducted on 400 Bank Aceh Syariah (Sharia bank) customers using a questionnaire instrument. The research used a quantitative method using the SEM PLS model and analyzed by the Warp PLS analysis tool. The research results proved that (1) there was a direct effect of customer satisfaction on brand religiosity image of 0.866. (2) The direct effect of brand religiosity image on customer loyalty was 0.305. (3) The direct effect of customer satisfaction on customer loyalty was 0.845. (4) The indirect effect of customer satisfaction on customer loyalty was 0.315. Bank Aceh Syariah might focus on customer satisfaction, customer loyalty, and brand image religiosity; these three things have a relationship in marketing for the development of Islamic banking, the sustainability of Islamic banking, and the success of banking businesses in the future. In addition, those three things must be grounded on maqasyid sharia in the form of Ar-Rawaj; Al-Wudhuh, Al-Hifzu, Al-Sabtu, and Al-Adlu to avoid principles that are prohibited in religion. Penelitian ini bertujuan untuk mengetahui pengaruh (1) kepuasan nasabah terhadap religiusitas citra merek, (2) religiusitas citra merek terhadap loyalitas nasabah, (3) kepuasan nasabah terhadap loyalitas nasabah, dan (4) kepuasan nasabah terhadap loyalitas nasabah dengan religiusitas citra merek sebagai variabel intervening. Penelitian dilakukan terhadap 400 nasabah Bank Aceh Syariah dengan menggunakan instrumen kuesioner. Penelitian menggunakan metode kuantitatif dengan menggunakan model SEM PLS dan dianalisis dengan alat analisis Warp PLS. Hasil penelitian membuktikan bahwa (1) terdapat pengaruh langsung kepuasan nasabah terhadap citra religiusitas merek sebesar 0,866. (2) Pengaruh langsung citra religiusitas merek terhadap loyalitas nasabah sebesar 0,305. (3) Pengaruh langsung kepuasan pelanggan terhadap loyalitas pelanggan sebesar 0,845. (4) Pengaruh tidak langsung kepuasan nasabah terhadap loyalitas nasabah sebesar 0,315. Bank Aceh Syariah dapat memfokuskan diri pada kepuasan nasabah, loyalitas nasabah, dan brand image religiusitas, karena ketiga hal tersebut memiliki keterkaitan dalam pemasaran untuk pengembangan perbankan syariah, keberlangsungan perbankan syariah, dan keberhasilan bisnis perbankan di masa yang akan datang. Selain itu, ketiga hal tersebut harus dilandasi dengan maqasyid syariah berupa Ar-Rawaj; Al-Wudhuh, Al-Hifzu, Al-Sabtu, dan Al-Adlu agar terhindar dari prinsip-prinsip yang dilarang agama.
Do capital participation and omzet increase the profit of Village-Owned Enterprises? Azhari, Azhari
Jurnal Akuntansi, Ekonomi dan Manajemen Bisnis Vol. 12 No. 2 (2024): Jurnal Akuntansi, Ekonomi dan Manajemen Bisnis - Desember 2024
Publisher : Politeknik Negeri Batam

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.30871/jaemb.v12i2.7145

Abstract

Capital participation and omzet are considered important factors that affect the financial performance ofBUMDES (Village-owned enterprises), especially the profits generated. This study aims to examine the effect of capital participation and omzet on BUMDES profits. The method used is secondary data analysis and survey of BUMDES in Aceh Province, Indonesia. Data is taken from BUMDES' financial statements and survey results that ask about capital participation, omzet, and profit. Descriptive statistical analysis and multiple linear regression are used to analyze the data. The results showed that capital participation has a positive influence on BUMDES' profits. Greater capital participation gives BUMDES greater capital to develop their business, which in turn can increase revenue and profits. In addition, omzet also has a positive influence on BUMDES' profits. The practical implication of this research is the importance of the government and other stakeholders to support capital participation and increase the omzet of BUMDES as a strategy to improve the economic welfare of rural communities.
Menilai Dampak Ganda Harga Kopi dan Nilai Tukar terhadap Nilai Ekspor Kopi Indonesia Azhari, Azhari; Konadi, Win; Musrizal, Musrizal
Jurnal Cita Ekonomika Vol 19 No 1 (2025): Cita Ekonomika: Jurnal Ilmu Ekonomi
Publisher : Jurusan Ekonomi Pembangunan, FEB Universitas Pattimura

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.51125/citaekonomika.v19i1.18923

Abstract

Indonesia, as one of the largest coffee-producing countries in the world, faces challenges in managing coffee exports which are affected by fluctuations in global coffee prices and the rupiah exchange rate. This study aims to analyze the simultaneous impact of coffee prices and exchange rates on the value of Indonesian coffee exports. Using the Autoregressive Distributed Lag (ARDL) method, this study explores the short-term and long-term relationship between coffee prices, exchange rates, and Indonesian coffee exports from 2001 to 2023. The results show that coffee prices and exchange rates have a significant influence on Indonesia's coffee exports, with a long-term relationship that shows that rupiah depreciation and higher coffee prices increase export value. These findings highlight the importance of policies that support coffee price and exchange rate stabilization to increase the competitiveness of coffee exports. This can be done by improving the quality of coffee beans and increasing the resources of coffee farmers in Indonesia. For further research, it is recommended to integrate more non-price factors, such as branding, the role of certification bodies, social and cultural factors that can affect the global market demand for coffee.
From Numbers to Profits: How Member Count and Savings Drive Cooperative Success Azhari, Azhari; Konadi, Win; Sumantri Mangkuwinata, Denny; Yanna, Sri
Almana : Jurnal Manajemen dan Bisnis Vol 9 No 2 (2025): August
Publisher : Bandung: Prodi Manajemen FE Universitas Langlangbuana

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.36555/almana.v9i2.2846

Abstract

Cooperatives as economic organizations based on member participation have an important role in improving the social and economic welfare of the community. However, the main challenge facing cooperatives is how to maximize profitability while still maintaining the basic principles of cooperatives. This study aims to analyze the effect of the number of members and total deposits on cooperative profitability, using the remaining results of operations (SHU) as a performance indicator. The method used in this research is quantitative to examine the relationship between the independent variables, namely the number of members and deposits of cooperative members, while the dependent variable is SHU in cooperatives. The data used is secondary data from the Ministry of Cooperatives of the Republic of Indonesia from 2000 to 2023. The results showed that both the number of members and deposits have a positive and significant influence on the SHU of cooperatives, which indicates the importance of member and deposit management in driving the financial success of cooperatives. The implications of these findings provide insights for cooperative managers to increase member engagement and deposit management efficiency to improve profitability. Separating cooperatives based on their type is of particular interest for future research
Marketing Analysis of Product-Harm Crises on Brand Switching (Case Study on Honda eSAF Frame) Mulyadi, Mulyadi; Ariska, Emalia; Azhari, Azhari; Muchsin, Muchsin
Ekonomis: Journal of Economics and Business Vol 9, No 1 (2025): Maret
Publisher : Universitas Batanghari Jambi

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.33087/ekonomis.v9i1.2194

Abstract

This research aims to analyze the impact of marketing factors, such as brand equity and product quality, on Brand Switching behavior through Product-Harm Crises, with a case study of the Honda eSAF motorcycle frame fracture incident. This crisis not only affects technical aspects but also damages the reputation and consumer trust in Astra Honda Motor (AHM). The study uses the SEM-PLS method with a sample of 160 respondents. Results show that brand equity and product quality have a significant influence on product crises, but do not directly or indirectly trigger consumers to switch brands through these product crises. The decision for Brand Switching turns out to be more complex and influenced by factors other than product crises. Therefore, companies need to develop effective crisis mitigation strategies to maintain consumer loyalty and reduce the risk of brand switching, in addition to strengthening brand equity and product quality.
UNLOCKING COOPERATIVE POTENTIAL: A STUDY ON CAPITAL STRUCTURES AND BUSINESS PERFORMANCE Azhari, Azhari
Fokus Ekonomi : Jurnal Ilmiah Ekonomi Vol 20, No 2 (2025): December 2025
Publisher : STIE Pelita Nusantara Semarang

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.34152/fe.20.2.239-247

Abstract

Cooperatives play an important role in the Indonesian economy, but many cooperatives face challenges in improving their business performance. Optimal capital structure is believed to influence the success of cooperatives, but few studies have examined the short-term and long-term relationships between internal capital, external capital, and business volume on cooperative performance. This study aims to identify the effect of capital structure and business volume on cooperative performance, using Residual Income (SHU) or profit as the main indicator of success. The method used is Autoregressive Distributed Lag (ARDL) to analyze annual data of cooperatives in Indonesia from 2000 to 2023. The results show that internal capital and business volume significantly positively affect profit, while external capital only has an effect in the long run. The implications of these findings highlight the importance of a balance between internal and external capital as well as an increase in business volume to promote cooperative success. This study also reveals limitations related to data representation that only cover cooperatives with available financial statements and periods. Therefore, further research involving broader data and additional variables is needed to deepen the understanding of the factors affecting cooperative performance
Are MSMEs the Key to Poverty Reduction? Dynamic Evidence from Indonesia Utilizing ARDL Analysis Azhari Azhari; Musrizal Musrizal; Win Konadi
Jurnal Ekonomi Kuantitatif Terapan Vol. 18 No. 02 (2025): Agustus 2025
Publisher : Universitas Udayana

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.24843/JEKT.2025.v18.i02.p04

Abstract

This study aims to analyze the impact of MSMEs on poverty alleviation in Indonesia utilizing ARDL approach. The independent variables examined include the quantity of MSMEs, labor, and investment, with poverty serving as the dependent variable. Data spanning from 1990 to 2023 were employed for this analysis. The findings indicate that the number of MSMEs exerts no influence on poverty levels in either the short or long term. Conversely, the MSMEs workforce demonstrates a positive effect on poverty reduction in the short term, while investment yields a more substantial impact in the long term. Given the heterogeneity in poverty levels and MSME development across different regions in Indonesia, it is essential to consider regional variables when assessing the impact of MSMEs. Adopting a more region-specific approach will enable policies to better address the specific needs and challenges encountered by each region, thereby providing a fertile ground for future research.
Koperasi sebagai Katalisator Pengentasan Kemiskinan: Pendekatan Metode Ganda Azhari, Azhari
Jurnal Simki Economic Vol 9 No 2 (2026): Volume 9 Nomor 2 Tahun 2026
Publisher : Universitas Nusantara PGRI Kediri

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.29407/jse.v9i2.1534

Abstract

Cooperatives in Indonesia, numbering in the hundreds of thousands and comprising tens of millions of members, are anticipated to play a significant role in mitigating classic socioeconomic challenges, such as poverty, faced by the country. This study aims to investigate the role of cooperatives in poverty alleviation using a dual-methodological approach, specifically employing Data Envelopment Analysis (DEA) to assess cooperative productivity and panel regression to evaluate its impact on poverty levels. The research utilizes secondary data, which encompasses internal capital, external capital, business volume, residual cooperative business results, and poverty levels in Indonesia. The findings indicate that cooperatives in Indonesia have not exhibited optimal productivity in their management practices. Nonetheless, the productivity of cooperatives plays a significant role in facilitating poverty reduction. These results suggest that cooperatives, when effectively managed, can function as a potent instrument for socio-economic empowerment. The implications of this study underscore the necessity for policies that bolster the strengthening of cooperatives, particularly in relation to managerial capabilities, access to financing, and market accessibility, to enhance their efficacy in poverty reduction. Future research should integrate qualitative methodologies and long-term analyses to further explore the social factors influencing the success of cooperatives within a broader framework.
Co-Authors Andri Soemitra Arfida Boedirochminarni Ariska, Emalia Azhari Azhari Bi Rahmani, Nur Ahmadi F. Fadly Faisal Faisal Faisal Faisal Ferri Yanto Fitrian Rizky Hambali Hambali Heru Fahlevi Heru Fahlevi Irvan Murizal Junardi Junardi Kamaruddin Kamaruddin M Yusuf M. Shabri Abd. Majid M. Shabri Abd. Majid Mai Simahatie Marzuki Marzuki Muchsin Muchsin Muhammad Ferdiananda Chadafi Muhammad Rizal Mulyadi Mulyadi Musrizal Musrizal Musrizal Musrizal, Musrizal Mustaqim Mustaqim, Mustaqim Nanda Nur Sofyana Noviami Trisniarti Rahmat Arfan Ratna Dewi Rini Mastuti Riza Rahman Hakim Rizkan Abqa Sri Yanna Sumantri Mangkuwinata, Denny Sutoyo Sutoyo Tengku Riza Zarzani N Wenny Novita Sari Win Konadi Win Konadi Y Yusniar Yuda Bakti, I Gede Mahatma Yus Mochamad Cholily Zainuddin Iba Zubir, Zubir