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All Journal JSSH (Jurnal Sains Sosial dan Humaniora) Ijtimaiyah: Jurnal Ilmu Sosial dan Budaya Jurnal Ilmiah Al-Tsarwah J-ESA (Jurnal Ekonomi Syariah) Islamic Economic and Business Journal Jurnal Al-Kharaj: Studi Ekonomi Syariah, Muamalah, dan Hukum Ekonomi Islamic Banking and Finance Jurnal Akuntansi dan Keuangan Syariah
Jumarni Jumarni
Institut Agama Islam Negeri Bone
Religion Economics, Econometrics & Finance Education Environmental Science Languange, Linguistic, Communication & Media Social Sciences

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FAKTOR - FAKTOR YANG MEMENGARUHI PENGGUNAAN JASA BANK MUAMALAT INDONESIA CABANG PEMBANTU BONE Jumarni Jumarni
J-ESA (Jurnal Ekonomi Syariah) Vol 2 No 1 (2019): Juni
Publisher : Program Studi Ekonomi Syariah IAI Muhammadiyah Bima

Show Abstract | Download Original | Original Source | Check in Google Scholar | Full PDF (869.806 KB)

Abstract

The purpose of this study was to determine: (1) The effect of bank characteristics, services, facilities, promotions and products to use the services of Bank Muamalat Indonesia Branch Bone. (2) The most dominant factor to influence the decision of the services of Bank Muamalat branch Bone. The method that was used in this research is Multiple-linear Regression Analysis. The data used are primary data by giving questionnaires to selected respondents which contains a declaration of the independent variables consist of Bank Characteristics (X1), Services (X2), Facilities (X3), Promotion (X4) and Product (X5) while variable dependenya is the use of Bank Muamalat Services Capem Bone(Y). The results from this study shew that (1) The factors bank characteristics positive and significant impact on the decision to use the services of Bank Muamalat Indonesia Branch Bone (2) Service factor was positive and significant impact on the decision to use the services of Bank Muamalat Indonesia Branch Bone. (3) Factors facilities was positive and significant impact on the decision to use the services of Bank Muamalat Indonesia Branch Bone, (4) Factors promotion was positive and significant impact on the decision to use the services of Bank Muamalat Indonesia Branch Bone, (5) Product factor was positive and significant impact on the decision to use the services of Bank Muamalat Indonesia Branch Bone, (6) Product factor was the dominant factor affecting the use of the services of Bank Muamalat Indonesia Branch Bone, that was to 0322.
PENGARUH MARKETPLACE TERHADAP PERILAKU KONSUMTIF GENERASI MUDA (STUDI PADA MAHASISWA EKONOMI SYARIAH FEBI IAIN BONE) Jumarni Jumarni
Jurnal Ilmiah Al-Tsarwah : ilmu ekonomi dan keuangan (konvensional dan syariah) Vol 4, No 2 (2021)
Publisher : Institut Agama Islam Negeri (IAIN) Bone

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.30863/al-tsarwah.v4i2.2059

Abstract

Penelitian ini membahas mengenai pengaruh market place terhadap perilaku konsumtif Mahasiswa FEBI IAIN Bone. Tujuan dari penelitian ini adalahuntuk mengetahui pengaruh market place terhadap perilaku konsumtif mahasiswa FEBI IAIN Bone serta untuk mengetahui seberapa besar pengaruh market place terhadap perilaku konsumtif. Adapunjenis penelitian yang digunakan dalam penelitian ini adalah penelitian kuantitatif Pendekatan deskriptif dengan tujuan untuk mendeskripsikan objek penelitian ataupun hasil penelitian.Dalam mengumpulkan data penelitian instrument yang digunakan adalah kuesioner. Berdasarkan hasil penelitian dan pembahasan yang menunjukkan bahwa 1) Adanya pengaruh yang positif antara market place terhadap perilaku konsumtif mahasiswa ekonomi syariah. Hal ini ditunjukkan oleh harga t_hitung lebih besar dari nilai t_tabel (41.0721,680) yang artinya Ho ditolak dan Ha diterima; 2) Besarnya pengaruh yakni variabel market place mampu menjelaskan variabel marketplace mampu menjelaskan variabel perilaku komsumtif sebesar 97,6%, sedangkan 2,4% yang lainnya dipengaruhi oleh variabel lain yang tidak termasuk dalam penelitian ini.
THE EFFECT OF HALAL LABEL AND FOOD INGREDIENTS TO THE PURCHASING DECISION ON IMPORTED FOOD PRODUCTS (Study On Islamic Economics and Business Faculty Students) Jumarni Jumarni
Islamic Economic and Business Journal Vol 3, No 1 (2021)
Publisher : Institut Agama Islam Negeri (IAIN) Bone

Show Abstract | Download Original | Original Source | Check in Google Scholar | Full PDF (532.064 KB) | DOI: 10.30863/iebjournal.v3i1.3013

Abstract

The study discusses the Effect of Halal Label and Food Ingredients to the Purchasing Decision on Imported Food Products on Islamic Economics anda Business Faculty Students. The purpose of this study was to determine the effect halal label and food ingredients to the purchasing decision on imported food products. This study used ex post facto research with an quantitative approach. The population in this study were all students of the Islamic Economics and Business faculty with a sample of 80 respondents. The data collection method used is questionnaire and literature review. The data analysis tool used in this study is multiple linear regression analysis. The results showed that variables of halal label and food ingredients had a significantly positive effect to the purchasing decision on imported food products. The contribution of variable for halal label to purchasing decision is 6% and for variable good ingredients is 9,8%. The contribution of variables for halal label and food ingredients to purchasing decision is 15,4 % and the remaining 84,6% is effected by other variables not used in this study.
KONSEP KHIYAR PADA ONLINE SHOP DENGAN METODE COD PERSPEKTIF EKONOMI ISLAM Jumarni Jumarni
AL-KHARAJ Vol 1, No 2 (2021)
Publisher : IAIN BONE

Show Abstract | Download Original | Original Source | Check in Google Scholar | Full PDF (1015.765 KB) | DOI: 10.30863/alkharaj.v1i2.1701

Abstract

In this study, we examine the application of the concept of khiyar in al-ba'i online shopping. Khiyar Islamic economics is a thing that must exist in buying and selling activities. In Islamic business, Khiyar plays a very important role in efforts to maintain interests, transparency and the extent of goodness that will be obtained if the transaction is carried out and how to protect both parties from harm and loss. In the online shopping concept, there are two forms of payment, namely payment then the goods are delivered to the place and the COD payment system or payment after the goods are sent. The application of khiyar in online shopping has several problems, first the seller and buyer are not in the same place, the two goods that are the object of sale and purchase are not at the location of the transaction. Based on khiyar research that applies to online shopping, there are differences with khiyar in buying and selling which is carried out traditionally. Online shopping by using the payment method before the goods are sent, the khiyar that can be used is Khiyar Aib and Khiyar Ru'yah but must be clearly required in the terms of sale and purchase. Depending on the COD payment method, the khiyar that can be used is Khiyar Ru'yah but must be agreed upon first, then khiyar The terms that bind other khiyar, so that buying and selling transactions are carried out based on the principle of willingness by both parties who carry out buying and selling activities .AbstarkDalam studi ini menelaah penerapan konsep khiyar dalam al-ba’i secara online shoop. Ekonomi Islam khiyar merupakan suatu hal yang harus ada dalam kegiatan jual-beli. Dalam bisnis Islam Khiyar  memegang peran yang sangat penting dalam upaya menjaga kepentingan, transaparansi dan sejauh mana kebaikan yang akan diperoleh jika transaksi dilaksanakan serta bagaimana melindungi kedua belah pihak dari bahaya dan kerugian. Dalam konsep online shoop terdapat dua bentuk pembayaran yaitu pembayaran kemudian barang diantarkan ketempat dan sistem pembayaran COD atau pembayaran setelah barang dikirim. Penerapan khiyar pada Online shoop terdapat beberapa persoalaan, pertama penjual dan pembeli tidak  berada pada tempat yang sama, kedua barang yang menjadi objek jual beli tidak berada dilokasi transaksi. Berdasarkan penelitian khiyar  yang berlaku pada online shoop terdapat perbedaan dengan khiyar pada jual beli yang dilaksanakan secara tradisional. Online shoop dengan menggunakan metode pembayaran sebelum barang dikirim maka khiyar yang dapat digunakan yaitu Khiyar Aib dan Khiyar Ru’yah tetapi harus secara jelas dipersyaratkan dalam ketentuan jual beli. Berdeda pada metode pembayaran COD maka khiyar  yang dapat digunakan adalah Khiyar Ru’yah namun harus diperjanjikan terlebih dahulu, kemudian khiyar Syarat yang menjadi pengikat khiyar  yang lain, agar transaksi jual beli yang dilakukan dengan berlandaskan prinsip kerelaan oleh kedua belah pihak yang melaksanakan kegiatan jual beli.
ANALISIS URGENSI PRINSIP 5C (CHARACTER, CAPACITY, CAPITAL, COLLATERAL, CONDITION) DALAM MEMINIMALISIR RISIKO PEMBIAYAAN (STUDI PADA BMT AS’ADIYAH SENGKANG) Jumarni Jumarni; Lilis Sariani
Islamic Banking and Finance Vol 1, No 1 (2021)
Publisher : Fakultas Ekonomi dan Bisnis Islam IAIN Bone

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.30863/ibf.v1i1.3004

Abstract

ABSTRACTThe implementation of the 5C principles in financial institutions is often not carried out optimally, one of the contributing factors is the existence of targets that must be achieved and the urgent needs of customers so that they take various ways so that their financing applications are accepted. So in this case the author conducted research on the analysis of the urgency of the 5C principle (character, capacity, capital, collateral, condition) in minimizing financing risk. The type of research used is field research using a qualitative approach, where the data collected is in the form of data from interviews, observations, and documentation. And the data analysis technique used is descriptive data analysis.The results of this study indicate that the 5C principle is very important in assessing the financing feasibility of a prospective customer because the 5C principle has an impact on the success of a financing. The implementation of the 5C principles has been carried out well but risks still exist, both risks originating from customers and unexpected risks.  Keywords: 5C principle, financing risk.
PENGARUH TRUST DAN MUTU E-BANKING TERHADAP LOYALITAS BERTANSAKSI SECARA ONLINE PADA BANK SULSELBAR SYARIAH SENGKANG Jumarni Jumarni; Nenni Hardianengsi
Jurnal Akuntansi dan Keuangan Syariah (Jurnal Akunsyah) Vol 1, No 2 (2021): Vol. 1 No. 2 Desember 2021
Publisher : Program Studi Akuntansi Syariah

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.30863/akunsyah.v1i2.3025

Abstract

Dimasa pandemi sekarang ini kita perlu memahami tentang kemudahan-kemudahan layanan yang ditawarkan oleh pihak perbankan, agar kita tetap bisa bertransaksi dimanapun dan kapanpun. Penelitian ini membahas tentang pengaruh trust dan mutu e-banking terhadap loyalitas nasabah bank sulselbar syariah cabang sengkang. Trust atau kepercayaan konsumen adalah pengetahuan konsumen tentang suatu objek, atributnya, dan manfaatnya. Mutu sistem E-Banking merupakan suatu proses evaluasi menyeluruh pelanggan mengenai kesempurnaan system. Sedangkan Loyalitas adalah respon perilaku atau pembelian yang bersifat bias dan terungkap secara terus-menerus oleh pengambil keputusan dengan memperhatikan satu atau lebih merek alternatif dari sejumlah merek sejenis dan merupakan fungsi proses psikologis.Jenis penelitian ini tergolong  penelitian kuantitatif dengan penentuan sampel pada penelitian ini menggunakan rumus lemeshow. Hasil penelitian ini menunjukkan bahwa Trust dan Mutu E-banking memiliki pengaruh terhadap Loyalitas Bertransaksi secara online Karena Trust dan Mutu E-Banking tersebut memiliki jumlah persentase yang berada di taraf Tinggi  yaitu sebesar 66,8%. Hasil dari analisis yang didapatkan bahwa terdapat pengaruh positif Trust dan Mutu E-banking terhadap Loyalitas Bertransaksi secara online hal ini ditunjukkan dengan meningkatnya jumlah presentase Trust dan Mutu e-Banking dengan nilai F hitung yang lebih besar dari F tabel pada tingkat signifikansi 5%, dimana F hitung sebesar 93,364 dan F tabel sebesar 3,09. Selain itu, nilai signifikansi sebesar 0,000 juga menunjukan nilai yang lebih kecil dari nilai yang telah ditentukan yaitu 0,05 (0,000 0,05). Nilai koefisien korelasi (R) sebesar 0,817 sehingga kemudian didapat koefisien determinasi (R2) sebesar 0,668. Nilai koefisien determinasi tersebut menggambarkan bahwa sebesar 66,8%  Loyalitas dapat dijelaskan oleh variabel Trust dan Mutu. 
FAKTOR - FAKTOR YANG MEMENGARUHI PENGGUNAAN JASA BANK MUAMALAT INDONESIA CABANG PEMBANTU BONE Jumarni Jumarni
J-ESA (Jurnal Ekonomi Syariah) Vol. 2 No. 1 (2019): Juni
Publisher : Program Studi Ekonomi Syariah IAI Muhammadiyah Bima

Show Abstract | Download Original | Original Source | Check in Google Scholar

Abstract

The purpose of this study was to determine: (1) The effect of bank characteristics, services, facilities, promotions and products to use the services of Bank Muamalat Indonesia Branch Bone. (2) The most dominant factor to influence the decision of the services of Bank Muamalat branch Bone. The method that was used in this research is Multiple-linear Regression Analysis. The data used are primary data by giving questionnaires to selected respondents which contains a declaration of the independent variables consist of Bank Characteristics (X1), Services (X2), Facilities (X3), Promotion (X4) and Product (X5) while variable dependenya is the use of Bank Muamalat Services Capem Bone(Y). The results from this study shew that (1) The factors bank characteristics positive and significant impact on the decision to use the services of Bank Muamalat Indonesia Branch Bone (2) Service factor was positive and significant impact on the decision to use the services of Bank Muamalat Indonesia Branch Bone. (3) Factors facilities was positive and significant impact on the decision to use the services of Bank Muamalat Indonesia Branch Bone, (4) Factors promotion was positive and significant impact on the decision to use the services of Bank Muamalat Indonesia Branch Bone, (5) Product factor was positive and significant impact on the decision to use the services of Bank Muamalat Indonesia Branch Bone, (6) Product factor was the dominant factor affecting the use of the services of Bank Muamalat Indonesia Branch Bone, that was to 0322.
UANG PANAI DAN TRADISI PERNIKAHAN BUGIS: PERSPEKTIF ISLAM DALAM LITERATUR Herianti Herianti; Basri Basri; Jumarni Jumarni; Novita Sari
IJTIMAIYAH Jurnal Ilmu Sosial dan Budaya Vol 10, No 2 (2026)
Publisher : Prodi Tadris Ilmu Pengetahuan Sosial FITK UIN Sumatera Utara Medan

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.30821/ijtimaiyah.v10i2.26819

Abstract

Abstract: Bugis wedding traditions and the uang panai (customary bride price) reflect cultural, social, and religious values. However, uang panai is often perceived as a determining factor in marriage decisions, creating various perspectives within society. In Islam, mahar is an essential element of marriage, while uang panai is not specifically regulated. This study aims to examine Bugis wedding traditions and uang panai from an Islamic perspective using a literature review method. The findings show that Bugis wedding rituals contain Islamic values, whereas uang panai is a cultural practice rather than a religious obligation. This study contributes to a broader understanding of Indonesia’s cultural diversity, particularly Bugis customs.
Maḥabbah sebagai Variabel Mediasi dalam Keberlanjutan Ekosistem Laut pada Masyarakat pesisir Muslim Milenial: Maḥabbah as a Mediating Variable in Marine Ecosystem Sustainability among Millennial Muslim Coastal Communities Ahmiati Ahmiati; Syaparuddin Razak; Jumarni Jumarni
JSSH (Jurnal Sains Sosial dan Humaniora) JSSH (Jurnal Sains Sosial dan Humaniora) Vol. 10 No. 2 September 2026
Publisher : Lembaga Penelitian dan Pengabdian Masyarakat, Universitas Muhammadiyah Purwokerto

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.30595/jssh.v10i2.31514

Abstract

Penelitian ini bertujuan menganalisis pengaruh etika lingkungan, pemanfaatan sumber daya laut, dan perlindungan laut terhadap keberlanjutan ekosistem laut dengan maḥabbah sebagai variabel mediasi pada Masyarakat pesisir Muslim milenial di Kabupaten Bone. Penelitian ini penting karena kajian konservasi laut masih didominasi pendekatan ekologis dan ekonomi, sementara dimensi spiritual belum banyak dikaji. Hipotesis penelitian menyatakan bahwa etika lingkungan, pemanfaatan sumber daya laut, dan perlindungan laut berpengaruh positif terhadap maḥabbah, serta maḥabbah memengaruhi dan memediasi keberlanjutan ekosistem laut. Penelitian menggunakan pendekatan kuantitatif dengan desain eksplanatori terhadap 150 responden yang dianalisis menggunakan SEM-PLS. Hasil menunjukkan seluruh hipotesis diterima (p<0,05); maḥabbah berpengaruh kuat terhadap keberlanjutan ekosistem laut dan memediasi seluruh hubungan antarvariabel. Temuan ini menegaskan bahwa integrasi nilai spiritual Islam memperkuat perilaku konservasi dan mendukung pengelolaan sumber daya laut yang berkelanjutan.
Co-Authors Ahmiati Ahmiati Basri Basri HAERIANTI HERIANTI Lilis Sariani Nenni Hardianengsi Novita Sari Syaparuddin Razak