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All Journal JURNAL IQTISAD: Reconstruction of Justice and Welfare for Indonesia At-Taqaddum Journal Analytica Islamica Shirkah: Journal of Economics and Business Amwaluna Jurnal Ekonomi dan Keuangan Syariah Jurnal Abdi Insani Journal of Digital Marketing and Halal Industry Al-Mashrof: Islamic Banking and Finance Journal of Islamic Economics CITIZEN: Jurnal Ilmiah Mulitidisiplin Indonesia Jurnal Rekognisi Ekonomi Islam (JREI) Journal of Islamic Economic and Law (JIEL)
Al Haq Kamal
Universitas Alma Ata
Religion Agriculture, Biological Sciences & Forestry Humanities Civil Engineering, Building, Construction & Architecture 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 Mathematics Public Health Social Sciences

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Pengaruh Literasi Halal, Sertifikasi Halal, Ingredients, dan Kualitas Produk Terhadap Keputusan Pembelian pada Produk Food and Beverage di Kompleks Wisata Yogyakarta Gita Nika, Dila; Kamal, Al Haq; Wahyu Wibowo, Febrian; Yunadi, Ahmad
Journal of Islamic Economic and Law (JIEL) Vol. 2 No. 2 (2025): JIEL : Journal of Islamic Economic and Law
Publisher : CV. Kalimasada Group

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.59966/jiel.v2i2.1874

Abstract

The increasing awareness of the Muslim community on the importance of halal products encourages the need for assurance of halal aspects in food and beverage consumption, especially in tourist areas such as the Yogyakarta Palace. In this context, halal literacy, halal certification, information on ingredients, and product quality are important factors that influence consumer purchasing decisions. This study aims to analyze the influence of halal literacy, halal certification, ingredients, and product quality on purchasing decisions for food and beverage (F&B) products among visitors to the Yogyakarta Palace Tourism Complex. The background of this study is based on the importance of fulfilling halal aspects in the consumption of Indonesian Muslim society, especially in the era of globalization that demands caution in choosing food and beverage products. The research method used is quantitative with data collection techniques through questionnaires to 100 respondents. Data were analyzed using multiple linear regression and classical assumption tests through SPSS software. The results of the study showed that simultaneously, the four independent variables had a significant effect on purchasing decisions. Partially, the variables halal literacy, halal certification, and product quality had a positive and significant effect, while the ingredients variable showed an insignificant effect. This study provides important implications for business actors and certification institutions to improve consumer education and ensure the clarity and authenticity of halal certification on F&B products.
Pengaruh Penggunaan Fintech Payment dan Financial Knowledge terhadap Financial Management Behavior pada Pelajar Muslim di Yogyakarta Himatul Muna, Nur; Ismiati, Baiq; Wahyu Wibowo, Febrian; Kamal, Al Haq
Journal of Islamic Economic and Law (JIEL) Vol. 2 No. 2 (2025): JIEL : Journal of Islamic Economic and Law
Publisher : CV. Kalimasada Group

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.59966/jiel.v2i2.1875

Abstract

The development of digital financial technology (fintech) has influenced the way students manage their finances, including making payments and daily transactions. However, without adequate financial knowledge, the use of fintech can trigger consumer behavior. Therefore, it is important to examine the extent to which the use of fintech and financial literacy influence financial management behavior among Muslim students. This study aims to examine the influence of Fintech Payment and Financial Knowledge on the Financial Management Behavior of Muslim students in Yogyakarta. The research employed a quantitative approach and utilized a questionnaire as the data collection instrument, with a sample of 100 respondents. Data analysis was conducted using multiple linear regression with SPSS version 22. The results indicate that both Fintech Payment and Financial Knowledge have a significant effect on Financial Management Behavior. These findings emphasize the importance of utilizing financial technology and financial literacy from an early age to foster healthy financial behavior.
The Effect of Product Quality, Personal Seling and Certification on The Desicion to Purchase Oriflame Products in Yogyakarta Khasanah, Uswatun; Salam, Abdul; Wibowo, Febrian Wahyu; Kamal, Al Haq
Journal Analytica Islamica Vol 14, No 1 (2025): ANALYTICA ISLAMICA
Publisher : Program Pascasarjana UIN Sumatera Utara

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.30829/jai.v14i1.23488

Abstract

This study aims to analyze the influence of product quality, personal selling, and halal certification on purchasing decisions of Oriflame products in Bantul, Yogyakarta. . This research uses the Theory of Planned Behavior (TPB) and Theory of Reasoned Action (TRA) theoretical approaches. This research uses a quantitative method with a questionnaire, involving 100 respondents selected using the Lemeshow formula. Independent variables include product quality (X1), personal selling (X2), and halal certification (X3), while the dependent variable is purchasing decisions (Y). Data analysis was performed using EViews 12 with normality tests, reliability, classical assumptions, multiple linear regression, T test, F test and R2 test. The results showed that the three independent variables had a positive effect on purchasing decisions, with an Adjusted R² value of 82%, while 18% was influenced by other factors not mentioned in this study.
Analysis of Paylater Customer Intentions in E-Commerce with the Planned Behavior Method Theory Approach Kamal, Al Haq; Cheumar, Mohammad Tahir; Hasanah, Hasanah; Sudibyo, Tyagita Dianingtyas
Al-Mashrof: Islamic Banking and Finance Vol. 4 No. 1 (2023): Al-Mashrof: Islamic Banking and Finance
Publisher : Universitas Islam Negeri Raden Intan

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.24042/al-mashrof.v4i1.17485

Abstract

This study aims to examine the effect of attitudes on behavior, subjective norms, perceived behavioral control, behavioral intentions, and behavior in implementing the shopee paylater payment system (buy now pay later) in generation Z in Caturtunggal, Depok, Sleman, Yogyakarta. This research is descriptive quantitative. The population in this study is generation Z with criteria ranging from 18 years to 30 years who have or are currently buying products at e-commerce shopee using the paylater payment system. The sampling technique used purposive sampling with a total sample of 100 respondents. The type of data used is primary data obtained by distributing questionnaires through questionnaires. The data analysis technique used is the Partial Least Square (PLS) approach using Smartpls 4 software. The results of the research based on the analysis of the regression coefficients (t-statistics and p-value) show that the attitude variable has a negative and insignificant effect on the behavioral intention variable. subjective norm variable has a negative and insignificant effect on behavioral intention variable. the variable perceived behavioral control has a negative and insignificant effect on the behavioral intention variable. perceived behavioral control variables have a positive and significant effect on behavioral variables. Then the behavioral intention variable has a positive and significant effect on the behavior variable or generation Z behavior.
Impact of Service Quality and Application of Sharia Principles on Consumer Intention of Sharia Hotel Kamal, Al Haq; Salam, Abdul; Sani, Ageng Asmara; Brojosetami, Prabumadya; Sudibyo, Tyagita Dianingtyas
Journal of Digital Marketing and Halal Industry Vol. 3 No. 2 (2021)
Publisher : Fakultas Ekonomi dan Bisnis Islam UIN Walisongo

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.21580/jdmhi.2021.3.2.8269

Abstract

This research aims to measure and analyze the influence of quality of service and the application of sharia principles to consumers at Syariah Hotel Limaran. The data used in this study is primary data. Although the method of data collection used is simple random sampling with a sample of 60 customers of Syariah Limaran hotel, this research also uses observation, questionnaires, and documentation. The data analysis techniques in this study are descriptive analysis tests, multiple linear regression tests, partial (t) tests, simultaneous tests (f), and determinant coefficients (r2). Results obtained based on t and f test results produce a significant value of 0.05. Then the R Square value of 0.461 indicates that an independent variable can affect dependent variables by 46.10%. While other variables outside this study explain the remaining 53.90%. The study concludes that the quality of service and the application of sharia principles affect consumers' intention in Sharia hotels.
OPTIMASI PENDAPATAN UMKM MELALUI PLATFORM DIGITAL MARKETING DUSUN MUNGKID, MAGELANG Wibowo, Febrian Wahyu; Sujono, Rusny Istiqomah; Kamal, Al Haq; Salam, Abdul; Ismiati, Baiq; Yunadi, Ahmad; Layli, Meutia; Giansyah, Arifki
Jurnal Abdi Insani Vol 11 No 2 (2024): Jurnal Abdi Insani
Publisher : Universitas Mataram

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.29303/abdiinsani.v11i2.1253

Abstract

Technological advances encourage various types of elements of society, including the MSME business element. The convenience presented by technology influences the development of a business that initially only operated in the offline realm, but is now starting to move into the digital realm. This trend shift must of course be balanced by the ability and understanding of the community, especially MSMEs. One of the most important areas is marketing which has now shifted to using digital media with various conveniences offered, MSME players must follow these developments in order to be able to compete with other business actors. This activity was carried out with the aim of providing in-depth understanding and expertise to MSME players in the field of digital marketing and increasing MSME income through digital platforms. During the implementation of the event, several problems were discovered, such as a lack of public understanding about digital marketing, low motivation to run a business, young people's indifference to the MSME industry, difficulty in visual design creativity and uneven banking payments, these problems made the development of MSMEs not optimal. It is hoped that there will be a similar agenda to provide continuous training so that the MSME industry continues to grow.
Kepuasan Konsumen dalam Menggunakan Layanan Rumah Sakit Syariah: Peran Komitmen Religiusitas dan Kepatuhan Syariah Agustina, Nazilatul Farida; Kamal, Al Haq; Sulistiawan, Dedik
Journal of Islamic Economics (JoIE) Vol. 5 No. 2 (2025)
Publisher : Prodi Ekonomi Syariah Fakultas Ekonomi dan Bisnis Islam Institut Agama Islam Negeri Ponorogo

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.21154/joie.v5i2.11466

Abstract

Introduction: The growing demand for Sharia-based healthcare services amid the rapid expansion of the global halal industry has driven Sharia hospitals in Indonesia to continuously improve customer satisfaction. Studies have primarily focused on provider-side determinants such as Sharia compliance, while research integrating both provider factors and internal customer factors such as religious commitment remains limited. This study aimed to analyze the influence of customer’s religious commitment and hospital Sharia compliance on customer satisfaction at Nur Hidayah Hospital, Bantul, Special Region of Yogyakarta. Research Methods: A cross-sectional design was employed with a sample of 100 inpatients. Data were analyzed using multiple linear regression to estimate regression coefficients (b) and 95% confidence intervals. Hypothesis testing was conducted at a 0.05 significance level. Results: Customer’s religious commitment had no significant effect on satisfaction (b = 0.014; 95% CI = -0.189 to 0.217; p = 0.888), indicating that individual religiosity does not directly determine satisfaction with Sharia-based hospital services. In contrast, hospital Sharia compliance had a positive and significant effect on customer satisfaction (b = 0.324; 95% CI = 0.191 to 0.457; p < 0.001). Conclusion: These findings underscore the importance of adhering to Sharia principles in enhancing customer satisfaction. Therefore, improving service quality in alignment with Islamic values should be a priority in the development of Sharia-compliant healthcare systems.
Purchase Decision on Halal Products among Female Muslim: Evidence from Indonesia Rusny Istiqomah Sujono; Wawan Wiyandi; Febrian Wahyu Wibowo; Ahmad Yunadi; Al Haq Kamal; Ardy Wibowo; Abdul Salam
Shirkah: Journal of Economics and Business Vol. 8 No. 3 (2023)
Publisher : Universitas Islam Negeri Raden Mas Said Surakarta

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.22515/shirkah.v8i3.555

Abstract

So far, limited research has analyzed the factors influencing female's decisions to purchase halal products. The purpose of this study was to determine how religiosity, product quality, price, brand, and halal knowledge affect the decision-making process of Islamic female students when purchasing halal-certified products. The study employed quantitative research methods, employing a questionnaire distributed through Google Forms for data collection. The study's population comprised all female students at Pondok Pesantren Al Munawwir Yogyakarta Indonesia. The sampling technique employed the Slovin formula, resulting in a research sample of 91 respondents. Data analysis involved classical assumption tests, multiple linear regression, partial tests (t-tests), simultaneous tests (F-tests), and the determination coefficient (R²). The findings indicated that religiosity, price, and halal knowledge negatively influenced female's purchasing decisions for halal products. Conversely, product quality and brand positively influenced these decisions. The study highlights that consumers, especially female students, prioritize brands and product quality when deciding to purchase halal products. Consequently, producers of halal products need to prioritize and enhance product quality.
Co-Authors AA Sudharmawan, AA Abdullah Yahya Abi Suryono Afifah, Nada Agustina, Nazilatul Farida Ahmad Yunandi Ardy Wibowo Baiq Ismiati Brojosetami, Prabumadya Cheumar, Mohammad Tahir Dedik Sulistiawan Fahmi Muqoddas Saputra Febrian Wahyu Wibowo Giansyah, Arifki Gita Nika, Dila Hasanah Hasanah Hasanah Hasanah Himatul Muna, Nur Ismiati, Baiq Khasanah, Uswatun Kusumaningdyah Retno Setiorini Meutia Layli Mohammad Tahir Cheumar Mu’inan Rafi Nasirothut Thoyyibah Nuryani, Tiya Purbowisanti, Ratih Rusny Istiqomah Sujono Sani, Ageng Asmara Septi Wulandari Thoyyibah, Nasirothut Toufan Aldian Syah Tyagita Dianingtyas Sudibyo Tyagita Dianingtyas Sudibyo Wahyu Wibowo, Febrian Wawan Wiyandi Wibowo, Febrian Wahyu Yunadi, Ahmad Yunadi, Ahmad