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All Journal I-Finance Journal Jurnal Ekonomi dan Bisnis Islam al-Afkar, Journal For Islamic Studies Jurnal Istiqro' NISBAH: JURNAL PERBANKAN SYARIAH OIKOS: Jurnal Kajian Pendidikan Ekonomi dan Ilmu Ekonomi Jurnal Tabarru': Islamic Banking and Finance Iqtishodia: Jurnal Ekonomi Syariah Indonesian Journal of Business Analytics (IJBA) Al-Kharaj: Jurnal Ekonomi, Keuangan & Bisnis Syariah Journal of Ekonomics, Finance, and Management Studies
Khusnudin
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Religion Agriculture, Biological Sciences & Forestry Humanities Computer Science & IT Decision Sciences, Operations Research & Management Economics, Econometrics & Finance Education Industrial & Manufacturing Engineering Law, Crime, Criminology & Criminal Justice Social Sciences Other

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PENGARUH REPUTASI, CITRA MEREK, KUALITAS PELAYANAN, DAN LOKASI TERHADAP KEPUTUSAN NASABAH MENGAMBIL PRODUK PEMBIAYAAN MURABAHAH PADA BANK MUAMALAT KC KEDIRI : THE EFFECT OF REPUTATION, BRAND IMAGE, QUALITY OF SERVICE, AND LOCATION ON CUSTOMER'S DECISION TO TAKE MURABAHAH FINANCING PRODUCTS AT MUAMALAT BANK KC KEDIRI Kevin Junjung Miharta; Khusnudin
NISBAH: Jurnal Perbanka Syariah Vol. 8 No. 1 (2022): NISBAH: Jurnal Perbankan Syariah
Publisher : Sharia Banking Study Program, Faculty of Islamic Economics, Djuanda University, Bogor

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.30997/jn.v8i1.6000

Abstract

Penelitian ini dilakukan untuk menguji pengaruh dari reputasi, citra merek, kualitas pelayanan dan lokasi terhadap keputusan nasabah mengambil produk pembiayaan murabahah pada Bank Muamalat KC Kediri. Lima tahun (2016 - 2021) terakhir total asset dan total pembiayaan mengalami penurunan, terlebih lagi Indonesia yang terkenal mayoritas masyarakat memeluk agama islam tetapi hanya sebagian kecil yang menjadi nasabah yang menggunakan pembiayaan murabahah. Responden pada penelitian ini berjumlah 93 responden yang diambil dari sebagian populasi nasabah Bank Muamalat KC Kediri. Penelitian ini termasuk dalam penelitian kuantitatif, adapun data yang digunakan yaitu data primer dan teknik pengumpulan data tersebut menggunakan kuisioner dengan memanfaatkan google form sebagai media pengumpulan data. Analisis yang digunakan pada penelitian ini menggunakan uji Regresi linier berganda. Hasil dari penelitian bahwa secara parsial variabel reputasi (X1) dan Kualitas Pelayanan (X3) memiliki pengaruh sedangkan citra merek (X2) dan lokasi (X4) memiliki pengaruh keputusan nasabah, sedangkan secara simultan reputasi (X1), Citra Merek (X2), kualitas pelayanan (X3) dan lokasi (X4) memiliki pengaruh signifikan terhadap keputusan nasabah (Y).
THE INFLUENCE OF KNOWLEDGE, MOTIVATION, AND RELIGIOSITY ON THE DECISION OF EASY WADIAH SAVINGS CUSTOMERS WITH TRUST AS AN INTERVENING VARIABLE Egie Nugraha, Diki; Khusnudin
Jurnal Tabarru': Islamic Banking and Finance Vol. 7 No. 1 (2024): Jurnal Tabarru' : Islamic Banking and Finance
Publisher : Department of Islamic Banking, Faculty of Islamic Studies, Islamic University of Riau (UIR)

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.25299/jtb.2024.vol7(1).16652

Abstract

Perbankan syariah di Indonesia mengalami pertumbuhan yang signifikan hingga tahun 2022, dengan jumlah lembaga mencapai 198 lembaga, antara lain bank umum syariah, unit usaha syariah, dan bank pembiayaan rakyat syariah. Bank Syariah Indonesia sebagai pionir perkembangan bank syariah modern telah menghadirkan produk unggulan seperti Tabungan Wadiah Mudah yang digemari masyarakat. Agar tetap kompetitif, Bank Syariah Indonesia terus berupaya memberikan layanan terbaik dengan fokus pada kepercayaan masyarakat. Penelitian ini dilakukan untuk menganalisis pengaruh pengetahuan, motivasi, dan religiusitas terhadap keputusan pelanggan secara langsung dan tidak langsung. Penelitian menggunakan pendekatan kuantitatif dengan populasi nasabah Tabungan Easy Wadiah di Kota Malang. Sampel minimal 50 responden ditentukan dengan menggunakan metode statistik. Hasil penelitian menunjukkan bahwa motivasi, religiusitas, dan kepercayaan berpengaruh signifikan terhadap keputusan pelanggan. Kepercayaan juga memediasi hubungan antara pengetahuan dan motivasi dan keputusan pelanggan. Metode analisis Structural Equation Model (SEM) berbasis Partial Least Square (PLS) digunakan untuk menguji hipotesis penelitian dengan aplikasi SmartPLS 4.1.0.0.
Blessings in Trade According to The Views of Banjar Traders in Palangka Raya City with An Anthropological and Religious Approaches Kurniawan, Rahmad; Rofiq , Aunur; Khusnudin
Iqtishodia: Jurnal Ekonomi Syariah Vol. 9 No. 2 (2024): September
Publisher : Universitas Al-Qolam Malang

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.35897/iqtishodia.v9i2.1412

Abstract

Islam requires every mature individual to seek legal livelihood, one of which is through trade. However, some traders sometimes do not pay attention to the provisions of Islamic commercial transactions (muamalah). In this regard, there is an interesting phenomenon among some Banjar traders at the Pasar Besar in Palangka Raya. They emphasize more on the concept of "blessing" (barakah), so that trading (business) activities and worship are in balance. Each person and region understand "blessing" differently, both in terms of its meaning, causes, and benchmarks. This research examines the meaning of "blessing" according to the traders, as well as analyzing the anthropological aspects related to the trading practices oriented towards "blessing". This is a qualitative descriptive study with Banjar traders at the Pasar Besar in Palangka Raya as the research subjects. The findings show that the meaning of "blessing" in trading according to Banjar traders is the increase in goodness, abundance or increase in sustenance, beneficial for all, so that needs are met. "Blessing" is also interpreted as the achievement of pleasure, tranquility, peace, and comfort in life. The position of "blessing" in trading is very important, because the purpose of trading is to fulfill life's needs in accordance with Islamic sharia. Blessing will not be obtained if the provisions of Islamic business are ignored. Anthropologically, trading practices oriented towards "blessing" indicate a close relationship between economic activity and the belief system and religious values embraced by the Banjar trader community
FACTORS DRIVING GEN Z PURCHASING DECISIONS TOWARDS STREET FOOD WITH THE MEDIATING ROLE OF PURCHASE INTENTION Riska Widya Abiba; Muhtadi Ridwan; Khusnudin
Jurnal Ekonomi dan Bisnis Islam (Journal of Islamic Economics and Business) Vol. 10 No. 1 (2024): JANUARY - JUNE 2024
Publisher : Universitas Airlangga

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.20473/jebis.v10i1.52301

Abstract

Introduction: This study examines the influence of product knowledge, halal awareness, subjective norms, and attitudes on street food purchasing decisions through purchase intention as a mediating variable. Method: This research includes quantitative research with an explanatory research approach. The population used in this study is Gen Z Muslims in Surabaya. The sample in this study amounted to 330 respondents obtained from the sampling technique, namely accidental sampling. To test the hypotheses built using partial least square (PLS) analysis techniques with Smart-PLS Version 3.2.9 software tools. Results: The results stated that product knowledge, halal awareness, attitude, and subjective norm are not significant effect on purchasing decisions partially. However, all dependent variables affect decisions through purchase intention. Means, customer intentions become critical point before their making purchases. Conclusion and suggestion: In summary, understanding purchase intention through customer behavior is essential to be considered by business actors to increase consumer assessment of these products. In this case, business actors need to educate related to food regulation such as having halal logo and ensure the product safety. By having proper assessment food vendors will be able to promote their product and increase customer purchasing intention. Furthermore, policymakers and related stakeholders also need to support food regulation and safety by having proper law and supply chain of halal ingredients.
FINANCIAL DETERMINANTS OF MUDHARABAH AND MUSYARAKAH FINANCING: EMPIRICAL INSIGHTS FROM INDONESIAN ISLAMIC COMMERCIAL BANKS Dinda Ruliana Dewi; Khusnudin
I-Finance Journal Vol 10 No 2 (2024): I-FINANCE: a Research Journal on Islamic Finance
Publisher : Fakultas Ekonomi dan Bisnis Islam Universitas Islam Negeri Raden Fatah Palembang, Indonesia

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.19109/7sfcdn58

Abstract

This study aims to analyze the relationship between mudharabah and musharakah financing in Islamic Commercial Banks with six independent variables: Return on Assets (ROA), Return on Equity (ROE), Financing to Deposit Ratio (FDR), Operating Costs to Operating Income (BOPO), and Non-Performing Financing (NPF). The population of the study was Islamic Commercial Banks registered with the Financial Services Authority (OJK), with financial data samples from seven banks during the period 2018–2023.This study uses a quantitative approach with panel data regression analysis. The results of the study indicate that BOPO has a significant positive impact on mudharabah and musharakah financing, while ROA, CAR, and NPF have a significant negative impact. Conversely, ROE and FDR do not have a significant effect on the financing. Overall, the independent variables in this study explain 56.72% of the variation in mudharabah and musharakah financing, while the rest is influenced by other factors outside this research model.The conclusion of this study emphasizes the importance of managing financial performance indicators such as ROA, CAR, BOPO, and NPF to optimize mudharabah and musharakah financing.
THE INFLUENCE OF BRAND IMAGE, WORD OF MOUTH, AND KNOWLEDGE ON INTEREST IN SAVING AT BMT SARANA WIRASWASTA MUSLIM MALANG Emiliani; Khusnudin
Jurnal Tabarru': Islamic Banking and Finance Vol. 7 No. 2 (2024): Jurnal Tabarru' : Islamic Banking and Finance
Publisher : Department of Islamic Banking, Faculty of Islamic Studies, Islamic University of Riau (UIR)

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.25299/jtb.2024.vol7(2).17199

Abstract

Pemasaran memiliki peran penting dalam suatu perusahaan dan berkontribusi pada strategi produknya. Perusahaan di  seluruh dunia membutuhkan seorang pemasar yang tepat dipercaya untuk memasarkan barang atau jasa. Penelitian ini bertujuan untuk menganalisis pengaruh Brand Image, Word of Mouth,dan pengetahuan terhadap minat menabung di BMT sarana wiraswasta Muslim. Proses penelitian ini menggunakan field research dengan pendekatan kuantitatif. Populasi sebanyak 700 calon anggota BMT Sarana Wiraswasta Muslim Kota Malang. Peneliti mengambil sampel sebesar 100 responden. Metode pengambilan sampel yang digunakan dalam penelitian ini adalah Non-probabilitas dengan teknik pengambilan sampel accidental sampling. Teknik pengumpulan data menggunakan metode kuesioner atau angket.  Hal ini menunjukan bahwa variabel brand image dan word of mouth berpengaruh terhadap minat menabung di BMT SWM Malang, sedangkan variabel pengetahuan tidak berpengaruh terhadap minat menabung di BMT SWM Malang. Hal ini menunjukan bahwa pengetahuan pedagang pasar landungsari dan pasar dinoyo sebagian besar belum mengetahui mengenai BMT SWM apalagi istilah produk dan akad dalam BMT SWM masih asing bagi sebagian pedagang pasar.
ANALISIS MINAT PENGGUNA MOBILE UGT DENGAN METODE TECHNOLOGY ACCEPTANCE MODEL (TAM) Hilmi Maulana, Muhammad; Khusnudin
Jurnal Tabarru': Islamic Banking and Finance Vol. 7 No. 2 (2024): Jurnal Tabarru' : Islamic Banking and Finance
Publisher : Department of Islamic Banking, Faculty of Islamic Studies, Islamic University of Riau (UIR)

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.25299/jtb.2024.vol7(2).17513

Abstract

Penelitian ini bertujuan untuk mengetahui kemudahan dan kemanfaatan mempengaruhi kecenderungan pengguna dalam menggunakan Mobile UGT Nusantara Capem Karang Ploso. Pendekatan yang digunakan dalam penelitian ini adalah kuantitatif dengan menggunakan survei sebagai metodologinya. Penelitian ini dilakukan di BMT Nusantara Capem Karang Ploso. Populasi penelitian ini adalah 2.703 dari pengguna Mobile UGT di BMT UGT Nusantara Capem Karang Ploso Malang. Perhitungan jumlah sampel menggunakan rumus slovin sehingga diketahui jumlah sampel sebanyak 80 responden. Teknik pengambilan sampel menggunakan non probability sampling. Teknik analisis data dalam penelitian ini menggunakan analisis regresi linier berganda dengan software SPSS.  Hasil penelitian menunjukkan bahwa terdapat hubungan yang signifikan secara parsial antara minat menggunakan Mobile UGT dengan kemudahan dan kemanfaatan, serta hubungan yang signifikan secara parsial antara minat menggunakan Mobile UGT dengan kegunaannya. Hal ini disebabkan karena fitur-fitur yang memenuhi kebutuhan perbankan sehari-hari serta kemampuan aplikasi untuk memberikan layanan cepat dan mudah diakses di perangkat mobile.
PERAN PEREMPUAN DALAM PEMBANGUNAN EKONOMI DAN PENGUATAN KESETARAAN GENDER Rosyidi, Laily; Rofiq, Aunur; Khusnudin
Jurnal Istiqro Vol. 11 No. 1 (2025): Januari 2025
Publisher : Institut Agama Islam Darussalam Blokagung Banyuwangi

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.30739/istiqro.v11i1.3160

Abstract

Women play an important role in economic development and the promotion of gender equality, as highlighted in various research papers. Women's empowerment is essential for socio-economic progress, emphasizing the need for women to have control over resources and decision-making capacity. Women entrepreneurs are key drivers of social change and gender equality, challenging norms and contributing to economic growth. Using the literature method, the results of this study show that gender inequality, which is deeply rooted in social relations, has an impact on various aspects of society, including education and the labor market, underlining the importance of addressing cultural and social factors to increase women's participation in economic development. A multidisciplinary approach is essential in understanding and addressing gender inequality, considering economic and sociological influences to achieve a more holistic view of the issue.
Analisis Maqashid Shariah Terhadap Implementasi Zakat Digital pada BAZNAS Muhammad Iqbal Fatoni; Khusnudin
Al-Kharaj: Jurnal Ekonomi, Keuangan & Bisnis Syariah Vol. 7 No. 3 (2025): 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.v7i3.5867

Abstract

Zakat is a commandment of Islamic law to create social justice. In this modern era, zakat has turned digital to facilitate the givers and recipients of zakat. Maqashid sharia becomes one of the guidelines for implementing an order from the founder of the sharia. Badan Amil Zakat Nasional is one of the government-owned institutions that manages zakat. So, the role of Baznas becomes very important in creating social justice in accordance with maqashid sharia. The purpose of this research is to see the implementation of maqashid shariah in digital zakat at the National Amil Zakat Agency, as well as how Baznas implements digital zakat and its potential in the future. This research uses a qualitative approach method and looks at existing facts and data. The results of the research can be a guideline for other zakat management institutions to create social justice in accordance with maqashid sharia as done by the National Amil Zakat Agency.
Optimalisasi Potensi Ekonomi Syariah dalam Populasi Muslim Global untuk Mendukung Pencapaian SDGS: Studi Strategis tentang Zakat, Wakaf, dan Industri Halal Jauharudin, Fahmi; Khusnudin
El-Mal: Jurnal Kajian Ekonomi & Bisnis Islam Vol. 6 No. 3 (2025): El-Mal: Jurnal Kajian Ekonomi & Bisnis Islam
Publisher : Intitut Agama Islam Nasional Laa Roiba Bogor

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.47467/elmal.v6i3.6320

Abstract

The global Muslim population, exceeding 1.9 billion, holds significant potential to support the achievement of the Sustainable Development Goals (SDGs). Through Islamic economic instruments such as zakat, waqf, and the development of the halal industry, substantial contributions can be made to poverty alleviation, improving education quality, and promoting sustainable consumption and production. This study identifies major challenges, including the lack of regulatory harmonization, low Islamic financial literacy, and limited international cooperation. On the other hand, substantial opportunities arise from technological innovation, global collaboration, and growing international interest in halal products. Strategies such as enhancing Islamic financial literacy, leveraging digital technology, and harmonizing policies across countries can optimize Islamic economics to support global sustainable development.
Co-Authors Al Maulud Anis Tri Rahmawati AUNUR ROFIQ Dinda Ruliana Dewi Egie Nugraha, Diki Eko Suprayitno Emiliani Hilmi Maulana, Muhammad Jannara Dewaji Jauharudin, Fahmi Kevin Junjung Miharta Maimuna, Islamiyah Muhammad Iqbal Fatoni Muhtadi Ridwan Rahmad Kurniawan Riska Widya Abiba Rofiq , Aunur Rosyidi, Laily