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All Journal IJEBD (International Journal Of Entrepreneurship And Business Development) Al-Kharaj: Journal of Islamic Economic and Business Jurnal Pembelajaran Pemberdayaan Masyarakat (JP2M) Community Empowerment Quantitative Economics and Management Studies Journal Koperasi Dan Manajemen E-JRM Pena Dimas Danadyaksa: Post Modern Economy Journal Journal of Islamic economics Perspectives (JIEP) International Journal of Economics, Business and Innovation Research Asian Journal of Management, Entrepreneurship and Social Science KOPEMAS International Journal of Islamic Business and Economics (IJIBEC)
Abdullah Syakur Novianto
Universitas Islam Malang
Religion Arts Humanities Computer Science & IT Decision Sciences, Operations Research & Management Economics, Econometrics & Finance Education Environmental Science Mathematics Public Health Social Sciences

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Non-Performing Micro, Small and Medium Enterprises Financing: Studies on Islamic Banking in Indonesia Novianto, Abdullah Syakur Novianto; Rizal, Mohammad; Wahyuniar Asri, Nafadzila
Journal of Islamic Economics Perspectives Vol. 5 No. 2 (2023): September (2023) Journal of Islamic Economics Perspectives
Publisher : Faculty of Islamic Economics and Business, State Islamic University of  Kiai Haji Achmad Siddiq Jember, Indonesia

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.35719/jiep.v5i2.120

Abstract

Micro, Small and Medium Enterprises (MSMEs) have a very large role in the Indonesian economy, but they have the problem of not having access to capital from either banks or non-bank financial institutions. As a form of commitment to support government programs, conventional and Sharia banking extends credit to MSMEs. The amount of financing channelled by Sharia banking to the MSME sector has continued to increase, but the increase in MSME financing has had an impact on non-performing financing for MSME financing, which is above 5%. This study aims to determine the effect of financing margin, the financing-to-deposit ratio (FDR) and the inflation rate on non-performing financing (NPF) for MSME financing in Islamic banking in Indonesia. Multiple regression analysis is used in this study, and took a sample of 36 data was obtained from the financial services authority's Sharia banking statistical reports. This study found that the financing margin and the financing-to-deposit ratio (FDR) positively affect non-performing MSME financing. In contrast, the inflation rate does not affect non-performing MSME financing.
Sharia financial planning assistance to improve community welfare Novianto, Abdullah Syakur; Amin, Muh. Sirojuddin; Saputri, Laila Sandri; Cinta, Aura; Lestari, Via; Riski, Kumajaya Novi; Kamilah, Saosan; Ambarsari, Emmy; Fariani, Fariani; Lativa, Rachmah Nur; Artamefia, Rachel Amanda Vinka; Febriyani, Nurlatifa; Utami, Merly Violita
Community Empowerment Vol 10 No 9 (2025)
Publisher : Universitas Muhammadiyah Magelang

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.31603/ce.14159

Abstract

Financial literacy remains a major challenge in Banjarejo Village, significantly impacting the way the community manages their finances. Residents’ understanding of formal financial services remains low. This situation encourages some residents to choose non-formal financial institutions, such as those that are easier to access but carry high interest rates. This community service activity was carried out at the Banjarejo Village Hall, Pakis District, Malang Regency, involving 30 members of the PKK (family welfare movement). The objective of this activity was to increase the community’s understanding of financial literacy and planning. The method used in this activity was direct outreach and counseling for the Banjarejo Village community. The series of community service activities included initial observation, outreach, counseling, and monitoring and evaluation processes. From this activity, the results obtained were that 75% of participants had sufficient understanding and 25% of participants had a high level of understanding of simple financial reporting so that it would affect the financial flow of families and businesses.
Pengaruh Social Media Marketing, Influencer Marketing, dan Sertifikasi (BPOM) Terhadap Keputusan Pembelian Gen Z di Kota Malang (Studi Pada Sociolla Mall Olympic Garden) Solikhah, Afiatus; Susyanti, Jeni; Novianto, Abdullah Syakur
E-JRM : Elektronik Jurnal Riset Manajemen E-JRM : Elektronik Jurnal Riset Manajemen Vol. 14 No. 02
Publisher : UNIVERSITAS ISLAM MALANG

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Abstract

Abstract  This study aims to examine the influence of Social Media Marketing, Influencer Marketing, and BPOM Certification on the purchasing decisions of Generation Z consumers at Sociolla, Mall Olympic Garden (MOG) Malang. The background of this research is based on the increasing role of social media and influencers in shaping consumer behavior—particularly among Generation Z, who are highly active on digital platforms—and the importance of product legality in building consumer trust. A quantitative approach was employed using multiple linear regression analysis. Data were collected through questionnaires distributed to respondents who are Generation Z consumers that have made purchases at Sociolla MOG Malang. The results show that partially, Social Media Marketing, Influencer Marketing, and BPOM Certification have a positive and significant effect on purchasing decisions. Social Media Marketing was found to be the most dominant factor. Simultaneously, the three independent variables significantly influence purchasing decisions, the variation in purchasing decisions can be explained by these variables.The findings conclude that the success of digital marketing strategies, particularly through social media and influencer support, must be complemented by compliance with regulations such as BPOM certification to build trust and drive purchasing decisions among Generation Z consumers. Keywords: Social Media Marketing, Influencer Marketing, BPOM Sertification, Purchase Decision, Generation Z
Sustaining Microfinancing Growth in Islamic Banking: Empirical Analysis of Internal Banking Determinants in Indonesia Rachmah Nur Lativa; Jeni Susyanti; Abdullah Syakur Novianto
International Journal of Islamic Business and Economics (IJIBEC) Vol 10 No 1 (2026): Volume 10 Nomor 1 Tahun 2026
Publisher : Universitas Islam Negeri K.H. Abdurrahman Wahid Pekalongan

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.28918/jm6vam14

Abstract

This study aims to analyze determinant of internal banking variables namely margin rate, Capital Adequacy Ratio (CAR), Non-Performing Financing (NPF) on the acceleration of microfinancing growth at Islamic commercial banks in Indonesia. Through a quantitative approach using multiple linear regression, this study examines the Financial Services Authority’s (OJK) monthly statistical reports from July 2022 - June 2025. The research findings reveal that the margin rate is a major determinant that significantly negatively affects financing growth, while CAR and NPF are not major determining factors during the observation period, the Financial Intermediation Theory explains that the success of the banking intermediation function is not only determined by capital adequacy but is also influenced by the level of trust. At the same time, these three variables significantly contribute to fluctuations in fund disbursement. Based on the stakeholder theory perspective, the management of Islamic banks is a required to be able to balance profitability targets with the interest of MSMEs as strategic stakeholders. This finding highlights how important it is for Islamic bank management to match their profit goals with what the market can handle to keep their services stable and accessible for everyone and a competitive margin rate policy.
Management Adaptation as a Mediator of Travel Agency Compliance: The Role of Regulations and Service Quality for Pilgrims at PT Nur Haramain Mulia Noer Aida Fitriani; Jeni Susyanti; Abdullah Syakur Novianto
Al-Kharaj: Journal of Islamic Economic and Business Vol. 8 No. 2 (2026): All articles in this issue include authors from 3 countries of origin (Indonesi
Publisher : LP2M IAIN Palopo

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.24256/kharaj.v8i2.11057

Abstract

This study aims to analyze the effect of regulatory implementation and the quality of services provided to pilgrims on travel agencies’ compliance, with management adaptation as a mediating variable, at PT Nur Haramain Mulia Kraksaan Probolinggo. The study employs a quantitative approach using a survey method. Data were collected through the distribution of questionnaires to respondents associated with Umrah travel agencies and analyzed using Partial Least Squares–Structural Equation Modeling (PLS-SEM) with the assistance of SmartPLS. The results indicate that regulatory implementation has a positive and significant effect on travel agency compliance, whereas the quality of pilgrim services does not have a direct significant effect on travel agency compliance. Regulatory implementation and service quality for pilgrims have a positive and significant effect on management adaptation. Management adaptation also has a positive and significant effect on travel agency compliance and mediates the influence of regulatory implementation and service quality for pilgrims on travel agency compliance. These findings indicate that travel agency compliance is not only influenced by regulations and service quality but is also determined by the organization’s ability to adapt its management practices to changes in the environment and the demands of pilgrim services.
Pengaruh Persepsi Kemudahan, Kepuasan, Dan Minat Pengguna Terhadap Adopsi QRIS Sebagai Inovasi Pembayaran Digital Di Kalangan Generasi Z Elvina Hany Dennisa; Anik Malikah; Abdullah Syakur Novianto
E-JRM : Elektronik Jurnal Riset Manajemen E-JRM : Elektronik Jurnal Riset Manajemen Vol. 15 No. 01
Publisher : UNIVERSITAS ISLAM MALANG

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Abstract

Abstract The acceleration of digital transformation has shifted public payment behavior toward cashless systems, including the Quick Response Code Indonesian Standard (QRIS). This study aims to analyze the effect of perceived ease of use, user satisfaction, and behavioral intention on QRIS adoption among Generation Z. A quantitative survey method was applied involving 100 Generation Z respondents in Malang City selected through purposive sampling. The data were analyzed using multiple linear regression with SPSS. The results reveal that perceived ease of use and user intention significantly and positively influence QRIS adoption, while user satisfaction does not show a significant effect. Simultaneously, all independent variables collectively affect QRIS adoption. The coefficient of determination (R²) of 0.326 indicates that 32.6% of QRIS adoption can be explained by the proposed variables. These findings provide insights for policymakers and service providers in formulating strategies to strengthen QRIS adoption among Generation Z. Keywords: Perceived Ease of Use; User Satisfaction; User Interest; QRIS Adoption; Generation Z
Pengaruh Customer Experience, Halal Awareness, Dan Customer Engagement Terhadap Customer Loyalty Melalui Customer Satisfaction: Studi Pada Konsumen Online Madu PT Kembang Joyo Sriwijaya Fawwaz Achmad Najib; Abdullah Syakur Novianto; Nanik Wahyuningtyas
E-JRM : Elektronik Jurnal Riset Manajemen E-JRM : Elektronik Jurnal Riset Manajemen Vol. 15 No. 01
Publisher : UNIVERSITAS ISLAM MALANG

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Abstract

Abstract This study aims to analyze the influence of Customer Experience, Halal Awareness, and Customer Engagement on Customer Loyalty mediated by Customer Satisfaction among online consumers of PT Kembang Joyo Sriwijaya honey products. This research uses a quantitative approach with a purposive sampling technique involving 130 respondents who have purchased the product online. Data analysis was performed using Structural Equation Modeling (SEM) based on Partial Least Squares (PLS) with SmartPLS software. The results indicate that Customer Experience and Customer Engagement have a positive and significant effect on Customer Satisfaction and Customer Loyalty. However, Halal Awareness proved to have no significant effect on either satisfaction or loyalty, indicating that halal certification is considered a hygiene factor rather than a satisfier in this industry. Furthermore, Customer Satisfaction successfully mediates the relationship between Customer Engagement and Customer Loyalty, but fails to mediate the influence of Customer Experience and Halal Awareness. These findings suggest that to increase loyalty, the company should focus on building active engagement and ensuring a seamless customer experience, rather than solely relying on halal labeling. Keywords: Customer Experience, Halal Awareness, Customer Engagement, Customer Satisfaction, Customer Loyalty, PT Kembang Joyo Sriwijaya, SmartPLS, Honey.
Pengaruh Green Product, Green price, Green Place dan Green Promotion terhadap Purchase Intention Konsumen di Pasar Induk Among Tani Kota Batu Rully Sabrina; Rois Arifin; Abdullah Syakur Novianto
E-JRM : Elektronik Jurnal Riset Manajemen E-JRM : Elektronik Jurnal Riset Manajemen Vol. 15 No. 01
Publisher : UNIVERSITAS ISLAM MALANG

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Abstract

Abstract This study aims to examine the effects of green product, green price, green place, and green promotion on consumers’ purchase intention at Pasar Induk Among Tani, Batu City. A quantitative approach with a survey method was employed, involving 142 respondents selected through purposive sampling. The data were analyzed using multiple linear regression with the assistance of SPSS version 25. The results indicate that green product, green price, and green place have a positive and significant effect on purchase intention when tested partially, while green promotion does not have a significant partial effect. However, the simultaneous test shows that all green marketing mix variables collectively have a significant influence on consumers’ purchase intention. These findings highlight the importance of an integrated green marketing strategy in enhancing consumers’ purchase intention. Keywords: Green Product, Green Price, Green Place, Green Promotion, Purchase Intention
Pengaruh Electronic Word Of Mouth Dan Brand Image Terhadap Keputusan Pembelian Kembali Melalui Kepercayaan Pada E-Commerce Shopee (Studi Kasus Pada Gen Z Di Kota Malang) Muh Bintang Roziq; Siti Asiyah; Abdullah Syakur Novianto
E-JRM : Elektronik Jurnal Riset Manajemen E-JRM : Elektronik Jurnal Riset Manajemen Vol. 15 No. 01
Publisher : UNIVERSITAS ISLAM MALANG

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Abstract

Abstract This study aims to analyze the effect of electronic word of mouth (e-WOM) and brand image on repurchase decisions through trust in the Shopee e-commerce platform. This research employed a quantitative approach using a survey method. Data were collected through questionnaires distributed to respondents who had previously made purchases on Shopee. The data were analyzed using Structural Equation Modeling (SEM) based on Partial Least Squares (PLS) to examine the relationships among variables. The results indicate that brand image has a significant effect on trust and repurchase decisions. Trust also has a significant effect on repurchase decisions. However, electronic word of mouth does not have a significant effect on trust nor on repurchase decisions through trust. These findings suggest that although the reviews available on Shopee tend to be positive, consumers rely more on personal experience and brand perception in forming trust and making repeat purchase decisions. In conclusion, brand image and trust are the main factors influencing repurchase decisions on the Shopee e-commerce platform, while e-WOM does not directly affect repurchase decisions through trust. Therefore, companies should strengthen their brand image and maintain service quality to enhance customer loyalty. Keywords: Electronic Word Of Mouth, Brand Image, Trust, Repurchase Decision, Shopee
Pengaruh Product Quality , Brand Image Dan Product Variant Terhadap Kepuasan Pelanggan Mixue (Studi Kasus Pada Warga Kota Malang) Achmad Muzakkiy; Mohammad Rizal; Abdullah Syakur Novianto
E-JRM : Elektronik Jurnal Riset Manajemen E-JRM : Elektronik Jurnal Riset Manajemen Vol. 15 No. 01
Publisher : UNIVERSITAS ISLAM MALANG

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Abstract

Abstract The purpose of this study is to determine the influence of product quality, brand image, and product variants on Mixue customer satisfaction. The number of samples in this study was 80 respondents determined using the Malhotra formula with the characteristics that respondents are in Malang City and have purchased Mixue Ice Cream & Tea products. This type of research uses explanatory research and data analysis used is multiple linear regression analysis. The results of this study state that product quality, brand image, and product variants have a significant effect on Mixue customer satisfaction in Malang City partially and simultaneously. Keywords: Product Quality, Brand Image, Product Variant, Kepuasan Pelangan 
Co-Authors AA Sudharmawan, AA Aan Irawan Abdillah, Mohammad Rifki Abdul Aziz Abdul Aziz Asy Syifa’ Abdul Kodir Djaelani Achmad Muzakkiy Achmad Naufal Miqdad Adhien Azka Arifatul Ula Adib Qosim Masrukhan Afriyanti, Fitri Agus Hermawan Ahmad Angger Muzaky Almaidah Eva Rosalinda Alnawati, Dinar Eka Alwi Muhamad Amanah, Firnandya Ambarsari, Emmy Amin, Muh. Sirojuddin Amir Faisol Andri Sari Pratama Anggraini, Tasya Meylina Ari Anik Malikah Aprilia, Syifa Kanza Apsarini, Nabila Wahyu Arif Rahwansyah Arif Ruri Abdillah Armahfia Amami Arman, Bima Tiknanda Artamefia, Rachel Amanda Vinka Avila Thio Nafra Agda Adila Awalia, Riski Bahtiar, Dimas Vigo Basyaruddin Faizal Rafi Bella Zakila Berliana Tri Banuwati Bessy, Nilam Sahnur Budi Wahono Chelsea Nur Fadilah Choirunnisa, Firda Cinta, Aura Cynthia Renita Putri Dhedy Setiawan Darsono Dhisma Manzilil Rohma Dinnisa’, Zukhruf Djumilah Hadiwidjojo Elisa Elisa Elvina Hany Dennisa Fadhilah, Gita Maulani Fahmy Rahma Zafira Fani Oktavia Fannani, Muhammad Rovi Tanwirul Fariani, Fariani Fawwaz Achmad Najib Febriyani, Nurlatifa Firdaus, Hilda Alivia Fitri, Elysia Gebbril Oktavia Jaya Haidi, Mukhammad Maulana Hambali Hambali Hatami, Muhammad Heri Pratikto Humayroh, Riza Husna, Fifi Lailatul Ikbar Zakariya Ike Nurmaya Devina Iksan Iksan Iksan Iksan Indah Soleha Ahmad Iqbal Burhanuddin Maulidy Iwansyah Iwansyah Jeni Susyanti Jihan Nabila Qotrunnada Kamilah, Saosan Kamilla, Nahya Izza Krisnawardani, Cynthia Kuncahyo, Angger Kusumas Tutik Wahyuningsah Lailatul Muniroh Laili, Jasilatul Lativa, Rachmah Nur Lestari, Via Ludi Wishnu Wardana Lusy Sukmawati Lydia Putri Irdawati M Wandi Irdiansyah M. Agus Salim Al Fathoni M. Ridwan Basalamah Maschanuddin, Muhammad Agil Masrukhan, Adib Qosim Maulidy, Iqbal Burhanuddin Moh. Abu Ali Winarno Mohammad Fuad Zamroni Mohammad Rizal Mohammad Rizal, Mohammad Mohammad Roisul Amin Mufarrichah, Abidah Muh Bintang Roziq Muhamad, Alwi Muhammad Agus Salim Mulyadi, Rafiqi Dwi Mutiarafani Tri Renata Nanda Anisa Rizki Nanik Wahyuningtyas Nasiruddin, Mukhammad Navila Laila Wardani Nia Wanda Kumala Ningrum, Niken Widya Nita Prihatiningrum Nizam, Muhammad Sahrun Noer Aida Fitriani Nur Diana Nur Hasanah Nur Hidayati Nur Hidayati Nur Rizkiroh Septiani Nuraini Tri Wijayanti Nurhidayah Nurhidayah Nurhidayah Nurhidayah Nurhidayah Nurhijriatul Nuzila, Firdausi Fauziyatin Oki Wahyudi Pandwita, Siska Mareta Papank Abi Sadewa Pertiwi, Ria Dwi Ayu Prasetya, Diva Prasetyo, Moch Richo Puji Handayati Putra, Arif Rahman Surya Putra, Rivaldy Danendra Putri, Cynthia Renita Putri, Fiona Hananto Putri, Intan Sabrina Aziza Rachma, N. Rachmah Nur Lativa Rahma, Putri Anisa Ramadhan, Fathur Ratna Tri Hardaningtyas Reza Firmansah Riski, Kumajaya Novi Riza Humayroh Rohmah, Nabila Alfiyatu Rois Arifin Ronny Malavia Mardani Rufi'i Rully Sabrina Rumawatine, Wildan Reyvaldi Sahla Ramli Sahrul Hidayatullah Samuriah Samuriah Sanches, Olandina de Jesus Saputri, Laila Sandri Sari, Nabila Aisyara Fatiha Shendy Citra Iswandari Shofa, Almas Nazhifan Shofi Mustajibullah Siti Asiyah Siti Asiyah Sofia, Himatus Solikhah, Afiatus Sudarmiatin Suherman Supriyadji, Ifbnu Kurniawan Susilo, Agung Budi Syamsul Arifin Syamsul Arifin Tantri, Diah Ima Novia Tanzil Ilham Usiaman, Aldi Usman Fauzi Utami, Merly Violita Wahyuniar Asri, Nafadzila Wahyuningtiyas, Nanik Wardani, Navila Laila Wardani, Putri Kusuma Widya Dwi Jayanti Wulandari, Yuny Sri Yulia, Fadila Hilma Yusril Ananta Bahrudin Yuzky Maulana Irbad Zainul Muttaqin Zakariya, Ikbar Zuhro, Nurhidayatus Zukhruf Dinnisa’