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All Journal Jurnal Riset Akuntansi dan Bisnis Jurnal Pamator : Jurnal Ilmiah Universitas Trunojoyo Madura EKOMBIS REVIEW: Jurnal Ilmiah Ekonomi dan Bisnis SENTRALISASI Jurnal Penelitian Medan Agama Journal on Education Jurnal Ilmiah Edunomika (JIE) Management Studies and Entrepreneurship Journal (MSEJ) JEKPEND Jurnal Ekonomi dan Pendidikan PRAJA observer: Jurnal Penelitian Administrasi Publik Journal Of Business, Finance, and Economics (JBFE) AL-MULTAZIM : Jurnal Manajemen Bisnis Syariah el-Amwal Indonesian Journal of Islamic Economics and Finance Jurnal Kendali Akuntansi Trending: Jurnal Manajemen dan Ekonomi Journal of Education Transportation and Business Jurnal Ekonomi, Manajemen, Akuntansi Ulil Albab MUQADDIMAH: Jurnal Ekonomi, Manajemen, Akuntansi dan Bisnis Edueksos: Journal Pendidikan Sosial dan Ekonomi Al-Mustashfa: Jurnal Penelitian Hukum Ekonomi Syariah
Atika Atika
Universitas Islam Negeri Sumatera Utara
Religion Humanities Decision Sciences, Operations Research & Management Economics, Econometrics & Finance Education Energy Law, Crime, Criminology & Criminal Justice Social Sciences Transportation Other

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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 (Supplementary Issue)
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.  
Anchovy Business Development Strategy: Islamic Economic Review (Case Study of Pasar Teradam Village, Barus District) Nurbaiti Tanjung; Atika Atika; Nur Ahmadi Bi Rahmani
Indonesian Journal of Islamic Economics and Finance Vol. 6 No. 1 (2026)
Publisher : Institut Agama Islam Sunan Giri Ponorogo

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.37680/ijief.v6i1.9810

Abstract

This study explores the development strategies of the anchovy business in Pasar Terandam Village, Barus District, Central Tapanuli Regency, from the perspective of Islamic economics. Although the business has great potential due to abundant marine resources and stable market demand, it still faces various challenges, such as limited capital, the absence of cooperatives, traditional processing technology, and the lack of application of Islamic economic principles. In addition, external factors such as climate change, market competition, and shifting consumer preferences pose further threats. This research employs a qualitative approach with SWOT analysis to identify strengths, weaknesses, opportunities, and threats, which are then integrated with Islamic economic values such as justice, solidarity, welfare, and sustainability. The findings indicate that relevant strategies include establishing Islamic cooperatives, improving access to Sharia-compliant financing, providing business management training based on Islamic values, innovating products and digital marketing, and applying fair profit distribution. These strategies are expected to support sustainable development of the anchovy business while enhancing the welfare of the local community.
The Influence of Halal Labels and Product Quality on Food Product Consumption Decisions with Trust as an Intervening Variable (Case Study of Tembung Champion Meatballs) Putri Winanda; Nur Ahmadi Bi Rahmani; Atika Atika
Indonesian Journal of Islamic Economics and Finance Vol. 6 No. 1 (2026)
Publisher : Institut Agama Islam Sunan Giri Ponorogo

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.37680/ijief.v6i1.10052

Abstract

This study aims to analyze the influence of halal labels and product quality on food product consumption, with consumer trust serving as an intervening variable, at Bakso Urat Juara Tembung. A quantitative approach was employed using Structural Equation Modeling (SEM) based on Partial Least Squares (PLS). The sample consisted of 100 Muslim consumers who had previously consumed the product. Data were collected through a Likert-scale questionnaire and analyzed using SmartPLS. The findings indicate that halal labels and product quality do not have a significant direct effect on food product consumption. However, both variables significantly influence consumer trust, which in turn has a significant positive effect on consumption behavior. Trust also mediates the relationship between halal labels, product quality, and food product consumption. The R-Square value for Trust was 0.905 (adjusted R² = 0.903), indicating that 90.5% of consumer trust is explained by halal labels and product quality. The R-Square value for Food Product Consumption was 0.801 (adjusted R² = 0.795), showing strong explanatory power. Importantly, trust functions as a full mediator. The direct effects of Halal Label (coefficient = -0.109; p = 0.434) and Product Quality (coefficient = 0.362; p = 0.069) on consumption were insignificant, while their indirect effects through Trust were significant (Halal Label: coefficient = 0.236; p = 0.016; Product Quality: coefficient = 0.395; p = 0.007). These results suggest that consumer trust serves as the key psychological mechanism linking sellers’ claims and product attributes to actual consumption decisions. Therefore, obtaining official halal certification and implementing transparent business practices are recommended to strengthen trust and encourage sustainable consumption.
The Influence of Tourist Attractions, Government Support, and Muslim-Friendly Tourism Services on Increasing the Income of the Harian District Community in Samosir Regency Nurul Rizkia Hasibuan; Waizul Qarni; Atika Atika
SENTRALISASI Vol. 15 No. 2 (2026): May
Publisher : Universitas Muhammadiyah Sorong

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.33506/sl.v15i2.5576

Abstract

This study aims to analyze the influence of Tourist Attractions, Government Support, and Muslim-Friendly Tourism Services on increasing community income in Harian District, Samosir Regency. The research adopts a quantitative approach using a survey method, with data collected from 70 respondents selected through purposive sampling. Data were analyzed using multiple linear regression to examine both partial and simultaneous effects of the independent variables. The findings reveal that Tourist Attractions and Government Support have a positive and significant effect on community income (p < 0.05), while Muslim-Friendly Tourism Services also contribute positively as a differentiation strategy in attracting tourists and increasing local spending. Simultaneously, the three variables significantly affect community income, as indicated by the F-test (p < 0.05). The model explains 47.6% of the variance in community income (R² = 0.476; Adjusted R² = 0.452), indicating a moderate explanatory power. The novelty of this study lies in integrating Muslim-friendly tourism services into the Local Economic Development (LED) framework, highlighting its role not only as a cultural-religious attribute but also as an economic driver that enhances community income. These findings imply that optimizing tourism potential through targeted government support and service differentiation is essential for promoting inclusive local economic growth and improving community welfare. 
The Influence of Product Quality, Price, and Product Design on Purchase Satisfaction of Local Ventela Brand Shoes among Students Dedy Rahman Siregar; Muhammad Irwan Padli Nasution; Atika Atika
Jurnal Penelitian Medan Agama Vol 16, No 2 (2025): JULY-DECEMBER
Publisher : Universitas Islam Negeri Sumatera Utara

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.58836/jpma.v16i2.28443

Abstract

An important dimension when assessing a product is its quality, namely the extent to which the product is able to perform according to its intended function. This quality describes the product's ability to meet consumer preferences. Typically, qualities that are not visible at the purchase stage will be revealed when the product is used. This study was conducted to determine how product quality, price, and design affect the satisfaction of UINSU students in purchasing Ventela shoes. A quantitative approach was applied using a questionnaire as the primary data source. The number of respondents consisted of 100 students who use Ventela shoes selected through Purposive Sampling. Multiple Linear Regression Analysis using SPSS version 16 was used to test the influence of the variables of product quality, price, and design. The results of the reliability test showed that Cronbach's alpha was between 0.730 and 0.881, so that all variables were declared reliable because they had exceeded the threshold of 0.60. The product quality variable obtained a t-count of 2.077, which was greater than the t-table of 1.98 with a significance of 0.040 t table 1.98, so that H3 is declared accepted.
Co-Authors Andi Hotmatua Harahap Andri Soemitra Ardhia Prameswari Asmaul Husna Ayu Annisa Fikra Cut Anggraini Dedy Rahman Siregar Fadlul Rohman Harahap, Muhammad Ikhsan Hendra Harmain Idham Mahrivi Imsar Imsar Isnaini Harahap Khairani Nasution Khoirul Yahya Laylan Syafina Lidiya Uzmasyah Lukman Hakim Marliyah Muhammad Yafiz Nasution, Annio Indah Lestari Nasution, Muhammad Irwan Padli Nauval Haiban Ginting Novi Diautami Nur Ahmadi Bi Rahmani Nurbaiti Tanjung Nurul Inayah Nurul Jannah Nurul Rizkia Hasibuan Ongku Indramora Siregar Putri Nandita Putri Winanda Rahmansyah Rahmansyah Rahmawati Zein Rifki Nanda putra Lubis Riska Adwiyah Hasibuan Saparuddin Siregar Sofia Lubis Sonia Ritonga Syachrul Wahyudi Tika Afrianny Saragih Tri Inda Fadhila Rahma Vidia Annisa Palem Vivi Rahmadani Siregar Waizul Qarni Wenda Isnani Mandasari Yenni Samri Juliati Nst