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Pengaruh Customer Perceived Value Dan Trust Terhadap Loyalitas Pengguna Mobile Banking Dengan Kepuasan Sebagai Variabel Intervening Pada Bank Syariah Indonesia : (Studi Kasus Mahasiswa Universitas Islam Negeri Sumatera Utara) Rahmansyah Rahmansyah; Marliyah Marliyah; Atika Atika
MUQADDIMAH: Jurnal Ekonomi, Manajemen, Akuntansi dan Bisnis Vol. 2 No. 1 (2024): Januari : Jurnal Ekonomi, Manajemen, Akuntansi dan Bisnis
Publisher : LP3M INSTITUT KH YAZID KARIMULLAH

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.59246/muqaddimah.v2i1.593

Abstract

This research aims to analyze the influence of Customer Perceived Value and Trust on Loyalty of mobile banking users with Satisfaction as an Intervening Variable at Bank Syariah Indonesia among UIN North Sumatra Students. The sampling technique in this research used purposive sampling. Data collection was carried out by distributing questionnaires to 100 respondents. The data analysis method used is path analysis with SPSS 25 software. The results of this research show that partially, customer perceived value and trust have a direct effect on satisfaction. customer perceived value, trust and satisfaction have a direct effect on loyalty. Simultaneously, customer perceived value and trust have a direct effect on satisfaction. customer perceived value, trust and satisfaction also have a direct influence on loyalty. Satisfaction has a significant effect as a mediator of the relationship between customer perceived value and loyalty. Satisfaction also has a significant effect as a mediator of the relationship between trust and loyalty.
The Business Behind the Blessings: A Critical Review of Financial Practices At Masjid Agung At-Taqwa Idham Mahrivi; Waizul Qarni; Atika Atika
Edueksos: Jurnal Pendidikan Sosial & Ekonomi Vol. 14 No. 02 (2025)
Publisher : Department of Tadris IPS FITK UIN Siber Syekh Nurjati Cirebon

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.24235/edueksos.v14i02.22181

Abstract

This study aims to determine the financial management programs implemented at the At-Taqwa Mosque in Southeast Aceh Regency in empowering the community through financial management. The type of research used in this study is qualitative with descriptive qualitative analysis. Types of data collection were carried out using interviewtechniques, observation, documentation, and literature with the research subject of money management at the AT-Taqwa Mosque. The results of the study indicate that the At-Taqwa Mosque not only manages money but also participates in mosque-based community empowerment through the money given. Empowerment is also realized through empowerment programs in the economic field such as productive money, healthy carts and providing training to mustahiq. Good economic empowerment indicates that mustahiq also have good economic quality. This is due to the changing mindset of the community that is increasingly developing about efforts to improve the standard of living to be better than before. Therefore, economic empowerment can improve the welfare, income, and independence of mustahiq. The implication of this research is that Mosque Financial Management is not merely administrative, but has a social impact. Through effective fund management, At-Taqwa Mosque is able to carry out economic empowerment programs that directly address the needs of mustahiq (beneficiaries), thus providing a real impact on the lives of the community.Keywords: Money, Community Empowerment, Mustahiq, Mosque.
Determinants Of Halal Cosmetic Purchase Decisions Through Online Applications With The Utaut Approach (Case Study Of Students Of The Faculty Of Economics And Islamic Business, Uin Sumatera Utara) Sofia Lubis; Atika Atika; Muhammad IkhsaN Harahap
Jurnal Pamator : Jurnal Ilmiah Universitas Trunojoyo Vol 18, No 4: 2025
Publisher : Universitas Trunodjoyo Madura

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.21107/pamator.v18i4.32064

Abstract

This study aims to analyze the factors influencing the decision to purchase halal cosmetics through e-commerce applications using the Unified Theory of Acceptance and Use of Technology (UTAUT) approach.This study employed a quantitative survey approach. The sample consisted of 100 students from the Faculty of Islamic Economics and Business, State Islamic University of North Sumatra, selected using a purposive sampling technique. Data were collected through an online questionnaire and analyzed using multiple linear regression (SPSS) and Partial Least Squares-based Structural Equation Modeling (PLS-SEM) using SmartPLS software.The results indicate that performance expectancy, social influence, and facilitating conditions significantly influence the decision to purchase halal cosmetics online. Meanwhile, effort expectancy did not show a significant effect. Keywords: UTAUT, Halal Cosmetics, E-Commerce, Purchasing Decisions, Muslim Students
Fiqh Muamalah Review of the Object of Akad (E-Commerce) on Defective Goods Cut Anggraini; Tri Inda Fadhila Rahma; Atika Atika
Al-Mustashfa: Jurnal Penelitian Hukum Ekonomi Syariah Vol. 10 No. 1 (2025)
Publisher : UIN Siber Syekh Nurjati Cirebon

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.24235/jm.v10i1.20753

Abstract

This study examines the application of Fiqh Muamalah to buying and selling practices in e-commerce, with a focus on the seller's responsibility for defective goods. Using a qualitative method through literature review and normative analysis, the research draws upon scholarly works, journal articles, and relevant Islamic legal sources. The study aims to provide a conceptual framework that aligns Islamic commercial ethics with contemporary online transaction practices. The findings reveal that e-commerce transactions can be considered valid under Fiqh Muamalah if they fulfill essential sharia principles, including justice (‘adl), honesty (ṣidq), and transparency (bayān). The use of Salam and Istishna’ contracts is permissible provided the object of sale is clearly defined, halal, and free from gharar (uncertainty). Furthermore, the study highlights the relevance of khiyār al-‘ayb (option due to defect) and khiyār al-syarth (conditional option) as Islamic legal mechanisms that offer fair resolutions in cases involving defective products. This research supports the growth of sharia-compliant digital commerce by offering practical, jurisprudential solutions and emphasizing key ethical values—trust, accountability, and consumer protection—to promote fair, transparent, and sustainable e-commerce in line with Islamic principles.Keyword: Muamalah Fiqh; Contract Objects; E-Commerce; Defective Goods.