Siti Zulaikha
Departemen Administrasi Dan Kebijakan Kesehatan, Fakultas Kesehatan Masyarakat, Universitas Airlangga, Indonesia

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THE INFLUENCE OF ISLAMIC BANK FINANCING ON ECONOMIC GROWTH IN OIC COUNTRIES: A FIRST DIFFERENCE–GENERALIZED METHOD OF MOMENTS APPROACH) Ayu Rahmiyati; Siti Zulaikha; Nurrizka Puji Lestari; Eko Kurniawan; Tanza Dona Pertiwi
Jurnal Ekonomi dan Bisnis Airlangga Vol. 36 No. 1 (2026): JURNAL EKONOMI DAN BISNIS AIRLANGGA
Publisher : Fakultas Ekonomi dan Bisnis, Universitas Airlangga

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.20473/jeba.V36I12026.144-157

Abstract

Introduction: The rapid expansion of Islamic finance in Organization of Islamic Cooperation (OIC) countries raises an important question regarding its contribution to economic growth, as prior studies report mixed evidence. Methods: This study uses panel data from 15 OIC countries over 2014–2023 with a quantitative approach. Control variables include institutional quality, foreign direct investment, human development index, population, and trade openness. The first-difference generalized method of moments (FD-GMM) is applied to address endogeneity. Results: The empirical results show that Islamic bank financing has a positive and statistically significant effect on economic growth in both the short and long term. Additionally, institutional quality and human development are found to play a significant role in shaping economic growth dynamics across OIC countries. Conclusion and suggestion: The findings underscore the strategic importance of Islamic bank financing in strengthening the real sector, enhancing financial inclusion, expanding access to productive financing, and supporting capital accumulation. Therefore, this study suggests strengthening governance quality, improving human development outcomes, optimizing the allocation of productive Islamic financing, and promoting deeper integration between the Islamic financial sector and the real economy to foster inclusive and sustainable economic growth in OIC countries.
WHAT DRIVES CONSUMERS IN USING DIGITAL APPS TO VISIT HALAL TOURISM IN EAST JAVA? OPTIMIZATION STRATEGY FROM UTAUT2 PERSPECTIVE Yan Putra Timur; Mohamed Battour; Ririn Tri Ratnasari; Siti Zulaikha
Jurnal Ekonomi dan Bisnis Islam (Journal of Islamic Economics and Business) Vol. 9 No. 1 (2023): JANUARY-JUNE 2023
Publisher : Universitas Airlangga

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.20473/jebis.v9i1.44569

Abstract

This study aims to identify the factors influencing consumer behavioral intentions in using digital applications to visit halal tourist attractions using the UTAUT2 model approach. PLS-SEM was employed as the quantitative research method's evaluation model. 300 respondents, ranging in age from 17 to 65, were utilized as the sample. Using a Likert scale from 1 to 5, a scale generated from earlier research is used to measure each variable. The study's findings revealed that five UTAUT2 indicators”performance expectancy, effort expectancy, social influence, pricing value, and habit”positively influenced consumers' inclinations to use digital applications to visit halal tourism locations. Based on the IPMA test, the performance expectancy variable is the variable that has the highest level of importance. The results of this study can be used by halal tourism business actors and the government as a digital application strategy development to support the growth of halal tourism in East Java.
Mapping Shariah Supervisory Board Literature for Islamic Finance Development Yusril; Ega Rusanti; Siti Zulaikha
Airlangga Journal of Innovation Management Vol. 5 No. 4 (2024): Airlangga Journal of Innovation Management
Publisher : Universitas Airlangga

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.20473/ajim.v5i4.65038

Abstract

This study aims to map the intellectual structure of research regarding the role of the Sharia Supervisory Board (SSB) in the development of Islamic finance. This mapping includes bibliographic analysis, keywords, and a network map of research trends. This study uses the bibliometric method by utilizing the Biblioshiny and Vos Viewer analysis tools. The researcher used 315 articles published on the Scopus page from 1988–2023. The results show that in the last 10 years, a topic about SSB has received great attention from researchers with an increase in article production. This topic has been discussed by authors from Indonesia, Malaysia, and Bangladesh. The results of the study also show that there are five clusters consisting of the role of SSB in the implementation of shariah governance; the role of SSB in encouraging the development of Islamic finance; SSB in improving the performance of Islamic banking; the characteristics of SSB; and the leadership and political system. The results of this study guide researchers, practitioners, and policymakers to understand the direction and focus of the Sharia Advisory Council (SSB) research. Its practical implications include strengthening the conceptual foundation of the SSB, supporting the development of the Islamic finance industry, and potentially becoming the basis for the development of a new conceptual framework in the future.
Mengungkap Behavioral Intention UMKM dalam Menggunakan Halal Marketplace: Integrasi Trust dengan Model UTAUT Diana Nabilatul Arifah; Siti Zulaikha; Erin Nur Putriani; Siti Aisyah
Score: Jurnal Lentera Manajemen Pemasaran Vol. 4 No. 01 (2026): Mei 2026
Publisher : Lentera Ilmu Nusantara

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.59422/lmp.v4i01.1446

Abstract

Pemanfaatan fitur halal marketplace oleh UMKM belum sebanding dengan pertumbuhan pasar produk halal dan e-commerce di Indonesia. Meskipun potensi pasar sangat besar, tingkat adopsi UMKM terhadap platform seperti Shopee Barokah masih tergolong rendah, sehingga muncul kesenjangan antara ketersediaan fitur halal dan niat perilaku pelaku usaha untuk menggunakannya. Penelitian ini bertujuan untuk menganalisis faktor-faktor yang mempengaruhi niat berperilaku UMKM dalam menggunakan halal marketplace, dengan memperluas model Unified Theory of Acceptance and Use of Technology (UTAUT) melalui penambahan variabel trust (kepercayaan) sebagai pengembangan teoretis. Pendekatan kuantitatif digunakan dengan data primer dari kuesioner terhadap 85 owner atau manajer UMKM muslim di sektor kuliner, fesyen muslim, serta perawatan kesehatan dan kecantikan di Indonesia, yang dipilih melalui purposive sampling. Analisis data dilakukan dengan teknik SEM-PLS. Hasil penelitian menunjukkan bahwa effort expectancy, facilitating condition, dan trust berpengaruh signifikan terhadap behavioral intention, sedangkan performance expectancy dan social influence tidak berpengaruh signifikan. Selain itu, effort expectancy dan facilitating condition juga berpengaruh signifikan terhadap trust. Temuan ini menegaskan bahwa penambahan trust memperkaya model UTAUT dalam konteks halal marketplace. Secara praktis, implikasi hasil penelitian ini mendorong pengelola Shopee Barokah untuk menyederhanakan proses registrasi penjual, menyediakan panduan penggunaan fitur halal yang intuitif, memperkuat dukungan layanan pelanggan yang responsif, menerapkan transparansi perlindungan data pengguna, serta mengomunikasikan secara aktif manfaat bisnis dari penggunaan Shopee Barokah guna meningkatkan niat perilaku UMKM secara berkelanjutan.