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Influencers and Integrity: The Role of Halal Labels and Online Testimonials in Shaping Purchase Intentions for Somethinc Skincare Products Salim, Anisa Diyanti; Wafa, Faqih El Wafa
Journal of Principles Management and Business Vol. 4 No. 01 (2025): June 2025
Publisher : Scimadly Publishing

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.55657/jpmb.v4i01.220

Abstract

This study aims to analyze the influence of celebrity endorsements, online testimonials, and halal labels on the purchasing decisions of Somethinc skincare products among students at UIN Antasari, both partially and simultaneously. The research employs a quantitative approach using a field survey method. The sample was selected through accidental sampling from students who use Somethinc products, and data were collected through questionnaires. Data analysis was conducted using multiple linear regression with the SPSS version 22 application. The F-test results show that simultaneously, the variables of celebrity endorsement, online testimonials, and halal labels have a significant effect on purchasing decisions. However, the t-test results indicate that celebrity endorsement does not have a partial effect, while online testimonials and halal labels have a positive and significant influence on purchasing decisions. Based on these findings, it is recommended that skincare business actors prioritize promotional strategies that emphasize consumer testimonials and the clarity of halal certification as key factors in attracting Muslim consumers, rather than relying solely on celebrity popularity.
Analysis of Sharia Financial Literacy Levels of Nagara's Muslim Community El Wafa, Faqih; Rahmah, Rahmah; Gafur, Abdul; Ansharullah, Ansharullah
Al-Intaj : Jurnal Ekonomi dan Perbankan Syariah Vol 10, No 2 (2024)
Publisher : Faculty of Economics and Islamic Business, UIN Fatmawati Sukarno Bengkulu

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.29300/aij.v10i2.3971

Abstract

Purpose: This research was to determine the level of Islamic financial literacy of the Nagara Community, North Daha District, Hulu Sungai Selatan Regency and what factors influence the level of literacy.Design/methodology: This study uses a questionnaire distributed online via google from. The sample used was 100 respondents. The data analysis method used is descriptive statistics and ANOVA test.Findings: The level of Islamic financial literacy of the North Daha District Community is 68% or in the medium category. The test results show that among the four factors (gender, age, education and occupation) education and occupation factors significantly affect Islamic financial literacy.Practical implications: this study can be used as a form of government benchmark to improve Islamic financial literacy, especially in areas that have minimal Islamic financial institutions. With this research, stakeholders can determine what programs are suitable for increasing literacy on indicators that are considered lacking.Originality/Value: This research is carried out using a combined method using the Chen and Volpe theory and collaborated using Islamic financial literacy indicators. In addition, the test results show that the variables of gender and age do not affect the level of literacy 
Culinary MSME Survival Strategy in Maintaining Their Existence During The Covid-19 Pandemic Ar Ridha, Gt Syifa Noor; El Wafa, Faqih
JES (Jurnal Ekonomi Syariah) Vol. 9 No. 1 (2024): Maret
Publisher : Universitas Islam Lamongan

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.30736/jes.v9i1.739

Abstract

This research is motivated by the covid-19 virus, which requires people to stay at home; of course, this impacts all industries, especially MSMEs in the culinary sector. The covid-19 pandemic has forced culinary businesses to adjust their strategies to continue to survive. The research aims to determine the impact of covid-19 on Culinary MSMEs and the use of customer relationship management (CRM)as a way for MSMEs to survive during the covid-19 pandemic. This type of research is field research with a qualitative descriptive approach. The data used was obtained from interviews with 10 MSME actors. The results of the study show that during the pandemic, culinary MSME actors in Barabai District experienced the impact of a lack of buyers, decreased income turnover, increased production of the main ingredients, experienced distribution obstacles, and decreased sales, so to survive, culinary MSME actors in Barabai District adopted a survival strategy by increasing improvements. Product and service quality, utilization of technology with digitalization schemes, and maximizing customer relationship marketing (CRM) loyalty.
Creativity Efforts of Sasirangan Fabric Artisans in Increasing Sales in Islamic Economics Terms Annisa Anisykurlillah; Muhammad Rizali; El Wafa, Faqih; Muhammad Saleh
Al-Kharaj: Journal of Islamic Economic and Business Vol. 6 No. 3 (2024): 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.v6i3.5421

Abstract

This research is motivated by the important role of sasirangan cloth artisan in preserving local culture with diverse creativity. The aim of this research is to determine creativity in an effort to increase sales in terms of Islamic economics and the obstacles faced by artisan. This research is field research, with a qualitative approach. The research location is Sasirangan Village, Banjarmasin City. Data was obtained using interviews, with data processing techniques, then analyzed qualitatively and referring to the theoretical basis. The research results obtained are first, the creativity of Sasirangan cloth artisan in Sasirangan Village in an effort to increase sales in terms of Islamic economics is painting their own motifs, adding creations, participating in exhibitions, modifying motifs, using natural materials. Second, the obstacles faced by sasirangan cloth business artisan in Sasirangan Village in carrying out creativity are labor resource constraints, policy constraints regarding time regulations and constraints on raw materials, synthetic and natural dyes used in dyeing sasirangan cloth.
Reconstructing the Concept of Riba from the Perspective of Contemporary Islamic Jurisprudence: An Approach to Modern Islamic Scholars' Thought Faridah , Faridah; Wafa, Faqih El; Rizali , Muhammad
Innovative: Journal Of Social Science Research Vol. 4 No. 6 (2024): Innovative: Journal Of Social Science Research
Publisher : Universitas Pahlawan Tuanku Tambusai

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.31004/innovative.v4i6.15136

Abstract

This study explores the reconstruction of the concept of riba from a contemporary fiqh perspective to understand how modern interpretations can adapt to global economic developments. The primary goal is to compare traditional and contemporary views on riba and analyze the contribution of contemporary thought in the current economic context. The research employs a literature review, including the analysis of works by classical and contemporary scholars and relevant Islamic financial instruments. The findings indicate that contemporary scholars use a more flexible and contextual approach, focusing on justice and the prevention of exploitation. The maqasid al-sharia approach is applied to evaluate financial transactions, enabling the development of innovative Islamic financial instruments like sukuk, mudharabah, and murabahah. These findings have significant implications for both fiqh theory and Islamic financial practice, providing a more dynamic and adaptive framework to meet modern economic needs.
Restructuring of Murabahah Agreement Financing: Case Study at PT Bank Muamalat Banjarmasin Branch Office Rahmawati, Nisa; Wafa, Faqih El; Gafur, Abdul; Faridah, Faridah; Fitriani, Ahda
AL-SULTHANIYAH Vol. 14 No. 1 (2025): AL-SULTHANIYAH
Publisher : Institut Agama Islam Sultan Muhammad Syafiuddin Sambas

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.37567/al-sulthaniyah.v14i1.3359

Abstract

This research discusses the problematic financing settlement policy regulated by Peraturan Bank Indonesia (PBI) No. 10/18/PBI/2008, Peraturan Otoritas Jasa Keuangan (POJK) No. POJK.03/2019, and Fatwa Dewan Syariah Nasional-Majelis Ulama Indonesia (DSN-MUI) No. 47, 48, 49/DSN/MUI/II/2005. Furthermore, this study analyses the implementation of these policies at Bank Muamalat KC Banjarmasin concerning relevant regulations. This research uses a qualitative approach through field research methodology, with data collection conducted through direct interviews with relevant informants. After collecting the data, the author describes, describes, and analyses the policy and implementation of financing restructuring with murabahah contracts at Bank Muamalat KC Banjarmasin. The results showed that the murabaha contract financing restructuring policy at the bank has been implemented comprehensively and by the provisions contained in PBI No. 10/18/PBI/2008, POJK No. 10/POJK.03/Year 2019, and DSN-MUI Fatwa No. 47, 48, 49/DSN/MUI/II/2005, which includes three main elements: rescheduling, reconditioning, and restructuring (3R).
Does Customer Relationship Management and Customer Satisfaction affect PT. JNE Pusat Banjarmasin Customer Loyalty? Huliyyah; Faqih El Wafa
Al-Kharaj: Jurnal Ekonomi, Keuangan & Bisnis Syariah Vol. 6 No. 4 (2024): Al-Kharaj: Jurnal Ekonomi, Keuangan & Bisnis Syariah
Publisher : Intitut Agama Islam Nasional Laa Roiba Bogor

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.47467/alkharaj.v6i4.1072

Abstract

This research is motivated by the development of competition in the business world, and especially companies engaged in the service sector. It requires companies to always survive in managing their business by maintaining good relationships with customers and increasing customer satisfaction. Therefore, companies carry out marketing strategies often referred to as CRM (Customer Relationship Management) and customer satisfaction to maintain customer loyalty. This type of research is field research using quantitative research methods. The results showed that the CRM variable partially did not affect customer loyalty at PT. JNE Pusat Banjarmasin, with the t-test results where the t hitung is 0.693 <t tabel 2.020 and the value of Sig. 0.492 > 0.05. At the same time, the variable customer satisfaction has a positive and significant effect partially on customer loyalty at PT. JNE Center Banjarmasin, with the t-test results where t count is 4.839 > t table 2.020 and the Sig level is 0.000 <0.05. For the F test, the CRM variable and customer satisfaction influence customer loyalty at PT. JNE Pusat Banjarmasin, where the Fcount value is 37.852 > Ftable 4.07, and the Sig. 0.000 < 0.05.
Fish Trader Behavior of Fish Market Mentaya Kota Sampit Based on The Principles of Islamic Business Ethics Maulana, Satriya; El Wafa, Faqih; Faridah, Faridah
Minhaj: Jurnal Ilmu Syariah Vol. 5 No. 1 (2024): Januari
Publisher : Lembaga Penerbitan Jurnal Ilmiah Institut Agama Islam Bani Fattah Jombang

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.52431/minhaj.v5i1.2004

Abstract

This research is motivated by behavior that does not follow Islamic business ethics principles based on initial observations made by the author through interviews with two fish merchants. The purpose of this study is to find out how the behavior of fish traders and the application of Islamic business ethics to the conduct of fish merchants at Mentaya fish market, Sampit City. This research is field research, with the subject being fish merchants who sell on fishing boats in the Mentaya Fish Market, Sampit City, totaling ten informants. The analysis used in presenting and compiling the data is descriptive qualitative analysis. Based on the results of this study: First, the Islamic business ethics behavior of 10 fish traders at the Mentaya fish market in Sampit City can be seen from several behaviors such as Free Will, Responsibility/Trust, Honesty, and Delivering. All traders apply these behaviors. Meanwhile, according to the conduct of Tauhid/Unity, only 4 out of 10 fish merchants have implemented this behavior, and for Fair behavior, 8 out of 10 traders have implemented this behavior. Second, judging from the application of Islamic business ethics to the conduct of fish merchants at the Mentaya fish market, Sampit City, who has implemented Islamic business ethics behavior as a whole, from 10 informants, only two people, or about 20%.
The Effect Of Service Quality And Customer Experience On Pdam Customer Satisfaction In Patas I Village, Gunung Bintang Awai District, Central Kalimantan Province Norlina; Wafa, Faqih El; Muhammad Rizali; Radiansyah
Jurnal Ilmu Ekonomi dan Bisnis Vol. 2 No. 3 (2025): JUKONI - Oktober
Publisher : CV. SINAR HOWUHOWU

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.70134/jukoni.v2i3.899

Abstract

Customer satisfaction is very important for business development. Customer experience refers to the overall customer experience, while service quality is an important factor and the main cause of customer satisfaction. However, there are several problems at the PDAM in Patas 1 Village, namely when customers report damage and request repairs, the response is very slow and may not be responded to at all. When damage or repairs are needed at PDAM, no notification is given, which can take up to 2-3 days to resolve. As a result, the water may have a strong lime/chlorine odor, which could potentially affect customer satisfaction. This study aims to determine whether service quality and customer experience simultaneously and partially affect customer satisfaction. The type of research used is field research with a quantitative approach, using a questionnaire technique for data collection. The population in this study is PDAM customers, with a sample size of 86 respondents. The results of this study indicate that the service quality variable does not have a significant effect on customer satisfaction, in the sense that the better the service quality provided by PDAM Desa Patas 1, the less it affects the satisfaction obtained. Then, the customer experience variable has a positive and significant effect on customer satisfaction, indicating that the more positive the customer experience, the higher their level of satisfaction tends to be. Simultaneously, service quality and customer experience affect customer satisfaction
Pendampingan Peningkatan Literasi Keuangan pada Sekolah Menengah Atas 1 di Desa Paramasan Bawah Kabupaten Banjar Aldi Aditya Sarman; Yusuf Asyahri; Wafa, Faqih El
Jalujur: Jurnal Pengabdian Masyarakat Vol. 4 No. 2 (2025): Desember 2025
Publisher : UIN Antasari Banjarmasin

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.18592/jalujur.v4i2.16278

Abstract

Kegiatan Pengabdian kepada Masyarakat ini bertujuan untuk melakukan pendampingan peningkatan literasi keuangan di SMAN 1 Paramasan Bawah, Kabupaten Banjar, serta mengetahui faktor-faktor yang memengaruhi tingkat literasi keuangan siswa. Metode pendampingan yang digunakan adalah Participatory Action Research (PAR), dengan tahapan partisipasi, identifikasi masalah, evaluasi menggunakan pretest dan posttest, serta refleksi dan tindak lanjut. Hasil pendampingan menunjukkan adanya peningkatan signifikan pada skor literasi keuangan siswa setelah pendampingan, dengan rata-rata nilai meningkat dari kategori rendah menjadi sedang-tinggi. Selain itu, faktor-faktor yang memengaruhi literasi keuangan siswa, yaitu jenis kelamin, tingkat pendidikan, dan pendapatan. Secara keseluruhan, hasil PkM tersebut memberikan rekomendasi bahwa perlu adanya pendekatan edukatif partisipatif  dengan melibatkan guru, orang tua, dinas pendidikan dan lembaga keuangan sebagai upaya berkelanjutan dalam memperkuat literasi keuangan di lingkungan sekolah perdesaan.