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All Journal Islamic Ecomonics Journal Jurnal Tirtayasa Ekonomika (Tirtayasa Economica Journal) Li Falah: Jurnal Studi Ekonomi dan Bisnis Islam JIMFE (Jurnal Ilmiah Manajemen Fakultas Ekonomi) Jurnal Al-Amwal Jurnal Tabarru': Islamic Banking and Finance Ad-Deenar: Jurnal Ekonomi dan Bisnis Islam Jurnal Investasi Journal of Economics and Business UBS DEMAnD Jurnal Terapan Manajemen dan Bisnis Jurnal Manajemen dan Organisasi Review (MANOR) JIHBIZ :Global Journal of Islamic Banking and Finance. ProBisnis : Jurnal Manajemen Az Zarqa': Jurnal Hukum Bisnis Islam Gemilang: Jurnal Manajemen dan Akuntansi Mutanaqishah: Journal of Islamic Banking Jurnal Ilmiah MEA (Manajemen, Ekonomi, dan Akuntansi) Journal of Islamic Economics Lariba Kalianda Halok Gagas Bukhori: Kajian Ekonomi dan Keuangan Islam Indonesian Journal of Accounting and Business Lokawati: Jurnal Penelitian Manajemen dan Inovasi Riset SAUJANA : Jurnal Perbankan Syariah dan Ekonomi Syariah Jurnal Penelitian Ilmu Ekonomi dan Keuangan Syariah Majapahit Journal of Islamic Finance dan Management Journal of Islamic Economics and Finance Al-Kharaj: Jurnal Ekonomi, Keuangan & Bisnis Syariah Majapahit Journal of Islamic Finance dan Management Jurnal Ekonomi, Manajemen, Akuntansi Islamic Economics Journal
Adib Fachri
Universitas Islam Negeri Raden Intan Lampung
Religion Agriculture, Biological Sciences & Forestry Humanities Computer Science & IT Decision Sciences, Operations Research & Management Economics, Econometrics & Finance Education Environmental Science Industrial & Manufacturing Engineering Law, Crime, Criminology & Criminal Justice Social Sciences Other

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Pengaruh Advertising, Financial Literacy, dan Personal Selling Terhadap Keputusan Menjadi Nasabah Koperasi Simpan Pinjam Dalam Perspektif Bisnis Islam : Studi Pada BMT Assyafi’iyah Kc. Sumberagung Pringsewu Khamelia Khoirunnisa; Ersi Sisdianto; Adib Fachri
Jurnal Penelitian Ilmu Ekonomi dan Keuangan Syariah Vol. 3 No. 3 (2025): Agustus : Jurnal Penelitian Ilmu Ekonomi dan Keuangan Syariah
Publisher : STAI YPIQ BAUBAU, SULAWESI TENGGARA

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.59059/jupiekes.v3i3.2640

Abstract

This study is motivated by the increasing competition among cooperatives and the declining number of members at BMT Assyafi’iyah in recent years. This condition indicates the presence of various factors influencing people's decisions in choosing Islamic financial institutions. The purpose of this research is to analyze the influence of advertising, financial literacy, and personal selling on the decision to become a member of a savings and loan cooperative from the perspective of Islamic business principles. The research was conducted at BMT Assyafi’iyah, Sumberagung District, Pringsewu, involving 89 respondents selected through purposive sampling. A quantitative approach was used with the Partial Least Squares-Structural Equation Modeling (PLS-SEM) method. Data were collected through questionnaires and analyzed using statistical techniques. The results show that advertising has no significant effect on membership decisions, while financial literacy has a significant influence, and personal selling is the most dominant factor. These findings suggest that financial understanding and direct interaction are more effective in attracting prospective members than advertising strategies.
PENGARUH ETIKA KERJA ISLAM, BUDAYA ORGANISASI DAN KOMPETENSI TERHADAP KINERJA PEGAWAI DALAM PERSPEKTIF ISLAM (Studi Pada Pegawai Kantor Kecamatan Gunung Alip Kabupaten Tanggamus) Putra, Tegar Pratama; Madnasir, Madnasir; Fachri, Adib
JURNAL TERAPAN MANAJEMEN DAN BISNIS Vol 11, No 2 (2025): VOLUME 11 NUMBER 2 (2025)
Publisher : STKIP Singkawang

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.26737/jtmb.v11i2.7717

Abstract

Penelitian ini bertujuan untuk menganalisis pengaruh Etika Kerja Islam, Budaya Organisasi, dan Kompetensi terhadap Kinerja Pegawai dalam perspektif Islam, dengan studi pada pegawai Kantor Kecamatan Gunung Alip, Kabupaten Tanggamus. Penelitian ini menggunakan pendekatan kuantitatif dengan penyebaran kuesioner sebagai metode pengumpulan data. Analisis dilakukan dengan menggunakan bantuan software statistik untuk mengetahui sejauh mana variabel independen berpengaruh terhadap variabel dependen. Hasil penelitian menunjukkan bahwa Etika Kerja Islam, Budaya Organisasi, dan Kompetensi secara simultan berpengaruh signifikan terhadap Kinerja Pegawai. Secara parsial, variabel Kompetensi memiliki pengaruh paling dominan terhadap peningkatan kinerja. Dalam perspektif Islam, etika kerja yang dilandasi nilai-nilai keimanan, budaya organisasi yang selaras dengan prinsip syura (musyawarah), serta kompetensi yang disertai amanah dan profesionalisme, merupakan pilar penting dalam menciptakan kinerja yang unggul dan berkah. Temuan ini diharapkan dapat menjadi acuan bagi instansi pemerintah dalam meningkatkan kualitas kinerja pegawai berbasis nilai-nilai Islam.
PENGARUH SHOPPING LIFESTYLE, VOUCHER GRATIS ONGKIR, DAN VIRAL MARKETING TERHADAP PERILAKU IMPULSIVE BUYING PADA E-COMMERCE SHOPEE DALAM PERSPEKTIF EKONOMI ISLAM : (Studi Pada Generasi Z dan Pengguna Aplikasi Shopee di Kota Bandar Lampung) Sari, Nadia Puspita; Rosilawati, Weny; Fachri, Adib
Jurnal Investasi Vol. 11 No. 3 (2025): Jurnal Investasi Vol. 11 No. 3
Publisher : Universitas Wiralodra

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.31943/investasi.v11i3.352

Abstract

- Perkembangan teknologi digital telah mengubah perilaku konsumsi masyarakat, khususnya melalui penggunaan platform e-commerce. Berbagai kemudahan transaksi, promosi, dan pemasaran online menjadikan konsumen semakin rentan terhadap pembelian impulsif. Penelitian ini bertujuan untuk menganalisis pengaruh shopping lifestyle, voucher gratis ongkir, dan viral marketing terhadap perilaku impulsive buying pada e-commerce shopee dalam perspektif ekonomi islam. Jenis penelitian ini merupakan penelitian kuantitatif dengan sumber data yang digunakan adalah data primer. Populasi pada penelitian ini adalah generasi z di kota bandar lampung dan sampel yang diambil adalah 100 sampel menggunakan metode purposive sampling.metode pengumpulan data yang digunakan dalam penelitian ini menggunakan kuesioner yang menggunakan skala likert. Metode analisis data yang digunakan adalah pendekatan structural equation modeling-partial least square (sem-pls) dengan menggunakan software smart pls versi 4. Hasil penelitian menunjukkan bahwa (1) shopping lifestyle berpengaruh positif dan signifikan terhadap impulsive buying, (2) voucher gratis ongkir berpengaruh positif dan signifikan terhadap impulsive buying, dan (3) viral marketing berpengaruh positif dan signifikan terhadap impulsive buying. Sementara itu dalam perspektif ekonomi islam, perilaku konsumsi yang berlebihan berpotensi mengarah pada israf (berlebih-lebihan) dan tabdzir (pemborosan), sehingga konsumen muslim dituntut menjaga prinsip kesederhanaan (wasathiyah). Implikasi penelitian ini menunjukkan bahwa meskipun strategi pemasaran digital efektif dalam meningkatkan penjualan, pelaku usaha perlu menerapkannya secara etis dan sesuai syariah agar konsumsi membawa manfaat yang lebih luas.
PENGARUH DISSATISFACTION CUSTOMER DAN SERVICE FAILURE TERHADAP BRAND SWITCHING DIMEDIASI VARIETY SEEKING DALAM PERSPEKTIF BISNIS ISLAM Sari, Eka Novita; Sanjaya, Vicky F.; Fachri, Adib
Jurnal Ilmiah Manajemen, Ekonomi, & Akuntansi (MEA) Vol 8 No 3 (2024): Edisi September - Desember 2024
Publisher : LPPM STIE Muhammadiah Bandung

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.31955/mea.v8i3.4931

Abstract

Penelitian ini bertujuan untuk menguji bagaimana Hubungan Dissatisfaction Customer dan Service Failure terhadap Brand Switching yang dimediasi oleh Variety Seeking pada pengguna Smartphone Android ke Iphone di Kota Bandar Lampung. Penelitian ini menggunakan metode Eksploratif dengan pendekatan kuantitaif, jumlah sampel sebanyak 97 responden dengan analisis data menggunakan metode Structural Equation Modeling (SEM) dan Teknik analisis menggunakan Partial least square (PLS). Temuan pada penelitian ini menunjukkan Pengaruh positif dan signifikan pada hubungan Dissatisfaction Customer terhadap Brand Switching, Variety Seeking terhadap Brand Switching, Service Failure terhadap Variety Seeking, dan Variety Seeking mampu memediasi hubungan antara Service Failure Terhadap Brand Switching. Selain itu terdapat hasil yang tidak berpengaruh pada hubungan Dissatisfaction Customer terhadap Variety Seeking, Service Failure Terhadap Brand Switching, dan Variety Seeking tidak mampu memediasi hubungan antara Dissatisfaction Customer Terhadap Brand Switching.
PENERAPAN GREEN BANKING DI LINGKUNGAN BANK MUAMALAT INDONESIA Ria, Desma; Fasa, Muhammad Iqbal; Suharto, Suharto; Fachri, Adib
Jihbiz: Global Journal of Islamic Banking and Finance Vol. 5 No. 1 (2023)
Publisher : Program Studi Perbankan Syariah FEBI UIN Ar-Raniry

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.22373/jihbiz.v5i1.17195

Abstract

The increasing competition of business or industry makes the behavior of businessmen ignore the natural environment. This causes the emergence of seriousness from the corporate world to increasingly involve themselves in activities that can create a positive impact on social and natural environment. In addition to carry out its function as an intermediary institution, the banking industry is also currently required to be involved in suppressing environmental damage because it is considered necessary to adapt interdepedensially to the environment called Green Banking. This research aims to find out how to implement green banking in Bank Muamalat Indonesia environment. This research used qualitative method by impelementing descriptive analysis using secondary data. The results showed that there are two main green banking programs implemented by Bank Muamalat Indonesia, the distribution of environment friendly financing and environment friendly operational activities, respectively.
Analysis of the Quality of Mobile Banking Services and Their Effect on Costumer Satisfaction Siti susanti, Siti; Iqbal Fasa, Muhammad; Suharto, Suharto; Fachri, Adib
Indonesian Journal of Accounting and Business Vol 4 No 1 (2022): Indonesian Journal of Accounting and Business
Publisher : Jurusan Akuntansi, Universitas Bangka Belitung

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.33019/ijab.v4i1.27

Abstract

Industri perbankan berkembang pesat dengan memanfaatkan e-banking sebagai sarana yang efisien dan sesuai untuk memuaskan nasabah. Layanan perbankan online adalah layanan umum yang disarankan oleh bank umum untuk memberikan layanan yang lebih cepat dan lebih dapat diandalkan bagi pelanggan. Dengan kemajuan teknologi yang pesat, e-banking telah dimanfaatkan untuk menyerap pelanggan dan melakukan transaksi perbankan. Namun, masalah utama dengan e-banking adalah memuaskan pelanggan yang sekarang menggunakan Internet banking. Kepuasan nasabah merupakan faktor penting dalam membantu bank untuk mempertahankan keunggulan kompetitifnya. Oleh karena itu, penelitian ini bertujuan untuk mengkaji faktor-faktor yang mempengaruhi kepuasan nasabah terhadap layanan e-banking. Empat faktor yang dapat mendorong kepuasan nasabah terhadap e-banking adalah layanan cloud, keamanan, e-learning, dan kualitas layanan. Penelitian ini menggunakan metode pemodelan persamaan struktural untuk mengevaluasi model kausal dengan validitas dan reliabilitas model pengukuran. Model penelitian dianalisis berdasarkan data yang dikumpulkan dari kuesioner menggunakan SMART PLS 3.2. Hasil penelitian menunjukkan bahwa layanan cloud, keamanan, e-learning, dan kualitas layanan adalah empat faktor signifikan yang mempengaruhi kepuasan pelanggan dalam menggunakan layanan Internet banking. Abstract The banking industry is rapidly developing to utilize e-banking as an efficient and suitable tool to satisfy cus tomers. Online banking service is the general service suggested by customary banks to provide faster and more reliable services for customers. With fast technology improvement, e-banking has been utilized to absorb sub scribers and conduct banking transactions. Still, the major problem with e-banking is satisfying customers who are now using Internet banking. Customer satisfaction is a significant factor in helping banks to keep their competitive advantage. Therefore, the present investigation aims to examine the factors influencing the satis faction of customer with e-banking services. Four factors that can drive customer satisfaction towards e-banking are cloud services, security, e-learning, and service quality. This study has utilized the structural equation modeling method to evaluate the causal model with the measurement model’s validity and reliability. The research model is analyzed based on the data which are collected from the questionnaires using SMART PLS 3.2. The results have shown that cloud services, security, e-learning, and service quality are four significant factors influencing customer satisfaction in using Internet banking services Kata Kunci : Kualitas Layanan, Mobile Banking, Kepuasan Nasabah
Pengaruh Pendapatan, Gaya Hidup, dan Religiositas Terhadap Keputusan Pembelian dalam Perspektif Ekonomi Islam Fachri, Adib; Zulaikah, Zulaikah
Journal of Economics and Business UBS Vol. 13 No. 1 (2024): Regular Issue
Publisher : Cv. Syntax Corporation Indonesia

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.52644/joeb.v13i1.1475

Abstract

Perilaku konsumen merupakan sebuah sikap, tindakan seseorang dalam aktivitas untuk memenuhi kebutuhan hidupnya. Tidak hanya di kota, di desa faktor internal maupun faktor eksternal perilaku masyarakat berperan terhadap keputusan pembelian. Khususnya kelompok ibu-ibu pengajian di lingkungan pesantren yang aktif dalam aktifitas keagamaan di desa Baktirasa Lampung Selatan. Kelompok masyarakat ini memiliki rata-rata pendapatan yang rendah akan tetapi gaya hidup, aktivitas kelompok turut mendorong dalam keputusan pembelian produk fashion. Nilai-nilai hedonis dan dorongan ekternal menjadikan masyarakat mengkonsumsi barang tanpa memikirkan kemampuan pendapatan. Penelitian ini bertujuan untuk meganalisis apakah perilaku konsumen di desa ini dipengaruhi oleh pendapatan, gaya hidup, dan religiositas. Penelitian ini menggunakan metode kuantitatif dengan populasi Ibu-ibu pengajian dengan teknik pengambilan sampel secara proporsional di masing-masing dusun. Hasil penelitian ini menunjukan bahwa secara parsial Pendapatan dan Gaya hidup berpengaruh positif signifikan serta Religiositas berpengaruh negatif signifikan terhadap keputusan pembelian. Perilaku keputusan pembelian ibu-ibu pengajian di Desa Baktirasa belum sepenuhnya mengikuti prinsip ekonomi Islam, meskipun memiliki nilai religiusitas tetapi gaya hidup memiliki nilai pengaruh yang lebih besar.
The Influence of Customer Experience, Product Bundling, and Product Variety on the Interest in Buying Back Coffee Memories in Bandar Lampung in the Perspective of Islamic Business Metia, Elta; Fachri, Adib; Kurniawan, Agus
Majapahit Journal of Islamic Finance and Management Vol. 5 No. 4 (2025): Islamic Finance and Management
Publisher : Universitas KH. Abdul Chalim Mojokerto

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.31538/mjifm.v5i4.645

Abstract

The increasing competition in Indonesia’s coffee beverage industry requires businesses to maintain customer loyalty, including Kopi Kenangan Ruko Ahmad Yani Branch in Bandar Lampung, which experienced a sales decline in 2021–2022. This study aims to analyze the influence of customer experience, product bundling, and product variety on consumers’ repurchase intention from an Islamic business perspective. A quantitative approach was used with purposive sampling involving 200 respondents who had made at least two purchases. Data were collected using a five-point Likert scale questionnaire and analyzed using SmartPLS 4 to test validity, reliability, and the relationships between variables. The results indicate that all independent variables positively and significantly affect repurchase intention, implying that customer experience, bundling offers, and product variations play an important role in shaping customer loyalty. This study provides strategic implications for implementing marketing practices aligned with Islamic principles, such as honesty, product halalness, and fair service, to support business sustainability in an increasingly competitive market environment.
The Influence of Customer Experience, Product Bundling, and Product Variety on the Interest in Buying Back Coffee Memories in Bandar Lampung in the Perspective of Islamic Business Metia, Elta; Fachri, Adib; Kurniawan, Agus
Majapahit Journal of Islamic Finance and Management Vol. 5 No. 4 (2025): Islamic Finance and Management
Publisher : Universitas KH. Abdul Chalim Mojokerto

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.31538/mjifm.v5i4.645

Abstract

The increasing competition in Indonesia’s coffee beverage industry requires businesses to maintain customer loyalty, including Kopi Kenangan Ruko Ahmad Yani Branch in Bandar Lampung, which experienced a sales decline in 2021–2022. This study aims to analyze the influence of customer experience, product bundling, and product variety on consumers’ repurchase intention from an Islamic business perspective. A quantitative approach was used with purposive sampling involving 200 respondents who had made at least two purchases. Data were collected using a five-point Likert scale questionnaire and analyzed using SmartPLS 4 to test validity, reliability, and the relationships between variables. The results indicate that all independent variables positively and significantly affect repurchase intention, implying that customer experience, bundling offers, and product variations play an important role in shaping customer loyalty. This study provides strategic implications for implementing marketing practices aligned with Islamic principles, such as honesty, product halalness, and fair service, to support business sustainability in an increasingly competitive market environment.
Effect of Government Spending, GRDP and Investment on Income Inequality in Islamic Economics Selvyta Ramadhini; Muhammad Yusuf Bahtiar; Adib Fachri
Bukhori: Kajian Ekonomi dan Keuangan Islam Vol 5 No 2 (2026): January
Publisher : Penerbit Goodwood

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.35912/bukhori.v5i2.5221

Abstract

Purpose: This study aims to analyze the effect of government spending, GRDP and investment on income inequality in Indonesia: The Islamic Economic Perspective Study on the area of Sumatra island in 2014-2023. Methodology/approach: The objective of this descriptive-verification quantitative study is to analyze cause-and-effect relationships and test the hypothesis of the effect of government spending, GRDP, and investment on income inequality (Gini ratio) in all provinces of Sumatra Island from 2014 to 2023. Result: That government spending and GRDP partially negatively influence income inequality in Indonesia, but investment does not affect income inequality in Indonesia. Conclusion: From an Islamic economic perspective, this inequality can be analyzed through the principles of distributive justice, social welfare, and Islamic economic instruments such as zakat, infaq, sadaqah, and waqf. Islamic economics emphasizes the principle of justice in income distribution and social welfare. Islam prohibits inequality and consistently emphasizes justice, as stated in the word of Allah in Surah Al-Hasyr verse 7, which states that Islam strictly forbids the concentration of wealth in the hands of only a few. Limitation: This research is only focused on the Sumatra Island region, which includes provinces such as Aceh, North Sumatra, West Sumatra, Riau, Riau Islands, Jambi, Bengkulu, South Sumatra, Bangka Belitung, and Lampung. Contribution: This research enriches the scientific literature in the field of development economics and Islamic economics by examining the relationship between government expenditure, Gross Regional Domestic Product (GRDP), and investment on income inequality, particularly in the Sumatra Island region during the period 2014–2023.
Co-Authors A. Ghofur, Ruslan Abdul Gofur Abdullah Umar Agus Kurniawan ahmad habibi Ahmad Hazas Syarif Anggreini, Nava Anita Tri Milza Bagus Galih Satriyo Bunga Nitami Cania Anggita Putri Cindi Novita Sari Cindi Citra Etika Deri Norita Devi Ardiyani Dharman Dinar Fithriya Hanjadi Dinar Fithriya hanjani Eka Novita Sari, Eka Novita Ersi Sisdianto Evi Ekawati Fachry Abda El Rahman Fatih Fuadi Feby Amelia Ghina Ulfah Saefurrohman Hanjani, Dinar Fithriya Hidayat, Ahmad Wahyu Ilma Amalia, Ilma Khamelia Khoirunnisa M. Yusuf Bahtiar Madnasir Madnasir Metia, Elta Muhammad Iqbal Fasa Niken Handayani Norita, Deri Novyta sari susiana effendi Nurlaili Oktarizal, Tania Putra, Tegar Pratama Putri, Hamisah Ramadhania Ria, Desma Rini Wijaningsih Salsabila, Amalia Saputra, Abdurrohman Sari, Nadia Puspita Selvyta Ramadhini Siti Susanti Siti Susanti, Siti SUHARTO Suharto Suharto Suharto Suharto Suharto Syamsul Hilal Syamsul Hilal Utami, pertiwi Vicky F Sanjaya Weny Rosilawati Zahra, Dwi Noviatul Zulaikah