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All Journal GEMA TEKNOLOGI Efektor Jambura Economic Education Journal BASKARA: Journal of Business and Entrepreneurship IIJSE
Subali Subali
Jurusan teknik elektro program diploma III Fakultas Teknik Universitas Diponegoro Jalan Prof. Sudharto, SH Tembalang- Semarang 50275
Computer Science & IT Economics, Econometrics & Finance Education Languange, Linguistic, Communication & Media Social Sciences Other

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Evaluating the Implementation of Musyarakah Mutanaqisah in Enhancing Mortgage Financing Practices at Islamic Financial Institutions Azizah, Fika Nurul; Subali, Subali
Indonesian Interdisciplinary Journal of Sharia Economics (IIJSE) Vol 7 No 1 (2024): Sharia Economics
Publisher : Sharia Economics Department Universitas KH. Abdul Chalim, Mojokerto

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.31538/iijse.v8i1.5574

Abstract

This study examines the evaluating effectiveness of musyarakah mutanaqishah financing at BPR Syariah Harta Insan Karimah, East Jakarta Branch, aimed at supporting asset ownership for community members in need. Despite its potential benefits, the process faces challenges due to payment delays from some customers. This research employs a participatory observation approach, utilizing qualitative descriptive methods with data collected through interviews and documentation. Findings indicate that BPR Syariah Harta Insan Karimah applies a profit-sharing scheme tailored for housing ownership, aligning with standard practices in Islamic banking. However, the bank enforces stringent credit evaluations, including a comprehensive review of customer credit history, to mitigate default risk. Customers with substantial arrears from other banks are ineligible for musyarakah mutanaqishah financing, reflecting the institution's commitment to prudent financing management. This study contributes to a better understanding of the operational standards and risk management strategies within sharia-based financial institutions.
Eksplorasi Dampak Electronic Word of Mouth Terhadap Perilaku Pembelian Konsumen di Toko Online Shopee Fadhillah, Wanda; Subali, Subali
Jambura Economic Education Journal Vol 7, No 3 (2025): : July 2025
Publisher : Gorontalo State University

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.37479/jeej.v7i3.26818

Abstract

Consumer behavior in online stores is influenced by several factors such as reviews from other users. These reviews greatly affect the attractiveness of online stores and consequently show an impact on consumer purchasing behavior. This study intends to show the impact of electronic word of mouth on consumer purchasing behavior in the Shopee online store. This study uses a quantitative research method with a sample of 100 respondents using a purposive sampling method. Data were collected using questionnaire distribution techniques and simple linear regression analysis. This study shows the results that E-WOM has a significant impact on customer purchasing behavior, by obtaining a calculated t value (2.896) t table (1.960) and a significance t test (0.005) 0.05, then H0 is rejected and H1 is accepted. Thus, E-WOM shows its influence on consumer purchasing behavior in the Shopee online store by 79%.
Co-Authors Arif Setiawan Azizah, Fika Nurul Donny Pratama, Donny Dony Hardika Arfianto, Dony Hardika Dyah Palupi Utami, Dyah Palupi Fadhillah, Wanda Fadillah, Putri Nur Herlizah, Novita Khanina Rizki Sekar A, Khanina Rizki Priyo Sasmoko Roby Adi Wibowo, Roby Adi Sartika Kusuma Wardani, Sartika Kusuma Teguh Yuwono