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All Journal English and Literature Journal J-MKLI (Jurnal Manajemen dan Kearifan Lokal Indonesia) TAHKIM Equilibrium: Jurnal Ekonomi-Manajemen-Akuntansi Al-Iqtishadiyah: Ekonomi Syariah dan Hukum Ekonomi Syariah JURNAL EKONOMI SYARIAH Lingue : Jurnal Bahasa, Budaya, dan Sastra Business Review and Case Studies Jihbiz: Jurnal Ekonomi, Keuangan dan Perbankan Syariah Indonesia Auditing Research Journal HIKMATUNA: Journal for Integrative Islamic Studies Amal: Jurnal Ekonomi Syariah Mangente: Jurnal Pengabdian kepada Masyarakat Tasyri' Jurnal Ilmiah Ekonomi dan Manajemen Advantage: Journal of Management and Business Hikmatuna IJEIRC IJBLPS Journal of Business Application Indonesian Journal of Community Empowerment Jurnal Intelek Dan Cendikiawan Nusantara Nomico Tijarah Rangkiang: Journal of Islamic Economics and Business J-CEKI International Journal of Business, Law and Political Science
Arizal Hamizar
Institut Agama Islam Negeri Ambon
Religion Agriculture, Biological Sciences & Forestry Arts Humanities Computer Science & IT Decision Sciences, Operations Research & Management Economics, Econometrics & Finance Education Environmental Science Languange, Linguistic, Communication & Media Law, Crime, Criminology & Criminal Justice Mathematics Public Health Social Sciences Other

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Studi Komparatif Kepuasan Pengguna Member Card Di Alfa Midi Dan Toko Madani Muhrim, M. Rifai; Relubun, Dety Ariyani; Nadia, Nadia; Hamizar, Arizal
J-CEKI : Jurnal Cendekia Ilmiah Vol. 4 No. 5: Agustus 2025
Publisher : CV. ULIL ALBAB CORP

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.56799/jceki.v4i5.10471

Abstract

Penelitian ini bertujuan untuk membandingkan tingkat kepuasan pengguna member card di dua ritel berbeda, yaitu Alfa Midi dan Toko Madani. Kepuasan konsumen merupakan indikator penting dalam menilai efektivitas program loyalitas pelanggan yang diterapkan oleh suatu perusahaan. Penelitian ini menggunakan pendekatan kuantitatif dengan metode survei terhadap 66 responden pengguna member card di masing-masing toko. Analisis data dilakukan dengan uji beda menggunakan independent sample t-test untuk mengetahui apakah terdapat perbedaan signifikan antara kepuasan pengguna member card di kedua toko tersebut. Hasil penelitian menunjukkan bahwa tidak terdapat perbedaan dalam tingkat kepuasan pengguna member card antara Alfa Midi dan Toko Madani, di mana Alfa Midi dan toko madani memiliki nilai t hitung yang sama yaitu 2.670. Faktor-faktor yang memengaruhi persamaan tersebut meliputi kemudahan penggunaan kartu, manfaat yang diperoleh, serta pelayanan yang diterima selama berbelanja. Temuan ini diharapkan dapat menjadi masukan bagi pengelola ritel dalam meningkatkan efektivitas program member card sebagai strategi loyalitas pelanggan.
Pengaruh Literasi Keuangan dan Financial Technology Terhadap Pengembangan UMKM di Desa Liang Kabupaten Maluku Tengah Nacikit, Muhammad R; Relubun, Dety Ariyani; Hamizar, Arizal Hamizar
J-CEKI : Jurnal Cendekia Ilmiah Vol. 4 No. 5: Agustus 2025
Publisher : CV. ULIL ALBAB CORP

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.56799/jceki.v4i5.10683

Abstract

Penelitian ini dilakukan dengan tujuan untuk menguji hubungan literasi keuangan dan Financial Technology terhadap pengembangan UMKM di desa Liang Kabupaten maluku tengah. Model penelitian ini adalah Explanatory research, dengan pendekatan deskriptif Kuantitatif. Teknik pengumpulan data menggunakan kuesioner dengan Skala Likert yang disebarkan secara langsung kepada responden. Penetuan sampel diambil menggunakan purposive sampling method dengan jumlah sampel sebanyak 40 responden pelaku UMKM. data diolah menggunakan bantuan Software SPSS (Statistical Product and Service Solution) dengan model regresi berganda untuk mengukur pengaruh literasi keuangan dan financial technology terhadap pengembangan UMKM. Hasil penelitian menunjukan literasi Keuangan dan Financial Teknology secara parsial dan simultan berpengaruh signifikan terhadap loyalitas pelanggan
Pengaruh Penetapan Harga Jual Produk Thrifting Terhadap Minat Beli Hamizar, Arizal; Buton, Rosalinda Nadam; Amin, Darwis
Journal of Business Application Vol. 4 No. 1 (2025): Journal of Business Application
Publisher : Program Studi Administrasi Niaga STIA Said Perintah

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.55098/jba.v4.i1.p25-36

Abstract

This study aims to determine the effect of product thrifting price determination on consumer purchase intention. The research employs a quantitative approach with data collection techniques using questionnaires and documentation. The sample of the study consisted of 71 respondents. Data analysis methods include instrument testing (quantitative descriptive test), descriptive percentage analysis, classical assumption tests, and hypothesis testing with the assistance of SPSS 20. The results indicate that the selling price of thrifting products significantly influences consumer purchase intention at Pasar Lorong Tahu Ambon, with an Adjusted R-Square value of 55.4%. This means that more than half of the variation in consumer purchase intention can be explained by pricing factors. From a managerial perspective, price indicators such as price affordability, price-quality conformity, price comparison with similar products, and price transparency were proven to affect consumer decisions to buy. These findings emphasize that an appropriate pricing strategy in thrifting businesses such as maintaining competitive prices, adjusting prices to product quality, and ensuring price transparency can increase consumer interest and purchase intention. Meanwhile, the remaining 44.6% of the variation is influenced by other factors outside this research, such as promotion, fashion trends, and individual preferences.
Praktik Pemotongan Berat Timbangan pada Akad Jual Beli Cengkeh Kering: Perspektif Bisnis Islam Umagapi, Aidia; Hamizar, Arizal; Karnudu, Fitria
Jihbiz : Jurnal Ekonomi, Keuangan dan Perbankan Syariah Vol 8 No 1 (2024)
Publisher : Universitas Islam Raden Rahmat

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.33379/jihbiz.v8i1.795

Abstract

This research aims to look more deeply into the phenomenon of sale and purchase dried cloves in Fagudu Village. Some of the clove buyers often cut off the weight that has been weighed, which has become a habit in the market. The type of research used in this study is field research with a qualitative approach. As a single case study, this research was carried out in Fagudu Village, Sula Islands Regency, North Maluku Province, using data collection methods in the form of interviews, observation, and documentation. The data obtained is then analysed by reducing the data, displaying the data, and drawing conclusions. Based on the research results, it is known that the practice of cutting the weight of the scales in the sale and purchase agreement for dried cloves in Fagudu Village was carried out after there was an agreement between the traders and sellers and was carried out on a consensual basis. From the perspective of Islamic Economics, the practice of cutting the weight of the scales, which has become a habit of the Fagudu Village community, does not conflict with Islamic teachings. This is because the cutting is done after there is agreement or willingness from both parties, so there is no element of coercion in it.
Peran Label Halal pada Pembelian Air Minum dalam Kemasan: Perspektif Manajemen Bisnis Syariah Hatapayo, Siti Nur F.; Karnudu, Fitria; Hamizar, Arizal
Jihbiz : Jurnal Ekonomi, Keuangan dan Perbankan Syariah Vol 8 No 1 (2024)
Publisher : Universitas Islam Raden Rahmat

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.33379/jihbiz.v8i1.804

Abstract

The research aims to determine the role of the halal label in purchasing decisions for Ayudes Packaged Drinking Water (AMDK) products in Ambon City and what the role of the halal label is in reviewing sharia business management. This research was carried out in the Ambon City community and at the Ayudes AMDK company using qualitative methods. The data collection techniques used were observation, interviews, and documentation with a number of informants who were directly involved in the research. The results of this research show that the decision to purchase Ayudes bottled drinking water in Ambon City based on the role of the halal label shows that consumers do not pay attention to the inclusion of a halal label on the product packaging and pay more attention to the quality and location of the bottled water factory.
Komparasi Efektivitas Strategi Pemasaran Pedagang Kaki Lima Pasar Tradisional: (Studi Kasus Pedagang Keliling Dan Pedagang Tetap) Hamizar, Arizal
Advantage: Journal of Management and Business Vol. 1 No. 2 (2023): Desember 2023
Publisher : Apik Cahaya Ilmu

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.61971/advantage.v1i2.17

Abstract

This research examines the effectiveness of marketing strategies employed by mobile and stationary street vendors in traditional markets, considering five main aspects: mobility, visual appeal, customer loyalty, product diversification, and competition. Through a qualitative approach and comprehensive analysis, this study aims to provide in-depth insights into the comparison of these two marketing strategies in the context of traditional markets. The findings reveal that mobile vendors have an advantage in high mobility, enabling them to reach various market areas, while stationary vendors emphasize the importance of a fixed location in building trust and customer loyalty. In terms of visual appeal, mobile vendors tend to be more creative and dynamic, whereas stationary vendors focus on a more permanent arrangement of stalls. Building trust and customer loyalty tends to be easier for stationary vendors due to their stable presence, while mobile vendors need to exert more effort in achieving this. Product diversification is an advantage for stationary vendors, while mobile vendors face limitations due to their high mobility. Both strategies have their respective advantages and disadvantages, and marketing success depends on adapting strategies to the changing dynamics of the market.
Implementasi Strategi Manajemen Transformatif Dalam Pengembangan Kapabilitas Berbasis Manajemen Talenta Pegawai Sunari; Hamizar, Arizal
Advantage: Journal of Management and Business Vol. 1 No. 2 (2023): Desember 2023
Publisher : Apik Cahaya Ilmu

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.61971/advantage.v1i2.22

Abstract

Abstract This research aims to analyze how the identification and development of employee talents can be a key aspect in creating a competitive advantage in higher education institutions. Employing a qualitative approach with a case study design, the research focuses on the phenomenon of change in human resources management (HRM) amidst the dynamics of government policies related to the number of employees. The research methodology involves data collection through interviews, observations, and document analysis to comprehend the strategies, talent identification processes, and the implementation of HRM development programs at IAIN Ambon. The research findings indicate that effective talent identification involves the use of various evaluation tools and technologies such as psychological tests, performance assessments, and intelligent HRM systems. Talent development is carried out through professional training, leadership programs, and support for the development of innovative curricula. The utilization of employee talents and skills, integrated with technology, is capable of enhancing the quality of teaching, research, and institutional operations. Abstrak Penelitian ini bertujuan untuk menganalisis bagaimana identifikasi dan pengembangan bakat pegawai dapat menjadi aspek kunci dalam menciptakan keunggulan kompetitif di lembaga pendidikan tinggi. Penelitian ini menggunakan pendekatan kualitatif dengan jenis studi kasus, memfokuskan pada fenomena perubahan dalam pengelolaan sumber daya manusia (SDM) di tengah-tengah dinamika kebijakan pemerintah terkait jumlah pegawai. Metodologi penelitian mencakup pengumpulan data melalui wawancara, observasi, dan analisis dokumen untuk memahami strategi, proses identifikasi bakat, dan implementasi program pengembangan SDM di IAIN Ambon. Hasil penelitian menunjukkan bahwa identifikasi bakat yang efektif melibatkan penggunaan berbagai alat evaluasi dan teknologi seperti tes psikologi, penilaian kinerja, dan sistem manajemen SDM yang cerdas. Pengembangan bakat dilakukan melalui pelatihan profesional, program kepemimpinan, dan dukungan untuk pengembangan kurikulum inovatif. Pemanfaatan bakat dan keahlian pegawai, diintegrasikan dengan teknologi, mampu meningkatkan kualitas pengajaran, penelitian, dan operasional lembaga.
Perilaku Adopsi Cahsless Sebagai Dampak Insentif Keuangan (Cashback, Diskon & Program Loyalitas) Hamizar, Arizal; Nacikit, Muhammad R; Holle, Mohammad H; Kamaruddin
Advantage: Journal of Management and Business Vol. 2 No. 1 (2024): Juni 2024
Publisher : Apik Cahaya Ilmu

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.61971/advantage.v2i1.31

Abstract

Penelitian ini bertujuan untuk mendalami perilaku konsumen terkait penggunaan pembayaran cashless dan respon terhadap insentif keuangan dalam konteks pasar digital. Fokus utama penelitian adalah untuk mengidentifikasi faktor-faktor yang mempengaruhi keputusan konsumen dalam mengadopsi pembayaran cashless serta mengeksplorasi sejauh mana insentif keuangan seperti cashback, diskon dan program loyalitas dalam mendorong perubahan perilaku konsumen. Metode penelitian yang diterapkan dalam penelitian ini bersifat kualitatif. Teknik pengumpulan data utama adalah wawancara mendalam atau depth interview terhadap informan terpilih. Hasil penelitian menunjukkan bahwa adopsi pembayaran cashless telah meningkat secara signifikan di kalangan berbagai kelompok usia, terutama generasi muda. Insentif keuangan, seperti diskon, cashback, dan program loyalitas, memiliki dampak positif dalam memotivasi konsumen untuk menggunakan pembayaran non-tunai. Pengalaman konsumen terkait dengan program insentif keuangan menyoroti pentingnya desain program yang mudah dipahami dan interaktif.
Feasibility Analysis of Boba Beverage Business In Ambon City: Case Study Based on Porter's Five Forces Mulyanto, Triadi; Hamizar, Arizal
Rangkiang: Journal of Islamic Economics and Business Vol. 2 No. 1 (2024): Islamic Economic
Publisher : Denisya Smart Consulting

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.70072/rangkiang.v2i1.12

Abstract

This study aims to analyze the feasibility of boba beverage business in Ambon City using the Five Forces Porter approach. The research method used is descriptive qualitative by collecting data through interviews, observations, and literature studies. The analysis is done using the concept of Five Porter Forces, namely the competition between existing competitors, supplier negotiation power, buyer negotiation power, the threat of new entrants, and the threat of substitute products. The results show that the boba beverage industry in Ambon City has a significant potential and is still growing. The competition between existing competitors is relatively high with several well-known brands in the market, but there is still an opportunity to develop through innovative products and proper promotion. Supplier negotiation power is also relatively high due to the need for specialized raw materials, but there are several alternative suppliers that can be utilized. Buyer negotiation power is quite low because boba drinks are considered a premium product with a relatively high price. The threat of new entrants is relatively low due to several entry barriers in this industry, such as high investment costs and the difficulty of obtaining high-quality raw materials. The threat of substitute products is relatively low because boba drinks have a unique taste and a fairly loyal customer base.
CHALLENGES IN REGULATION AND OPPORTUNITIES IN SHARIA FINANCIAL MANAGEMENT Hamizar, Arizal; Tubalawony, Jacsy; Yaman, Afdhal; Kamaruddin
Jurnal Intelek Dan Cendikiawan Nusantara Vol. 1 No. 1 (2024): FEBRUARI - MARET 2024
Publisher : PT. Intelek Cendikiawan Nusantara

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

Abstract

This research aims to explore the fundamental concepts of Islamic finance management, its principles, sources of funding, as well as Sharia financial products and innovations available from a theoretical perspective based on related literature. The study also discusses the changing global economic context, the complexity of Sharia financial regulations and standards, and the challenges and opportunities faced in the development of products, human resource education, and social and environmental responsibilities. The research findings indicate that Islamic finance management faces complex challenges and opportunities in dealing with the current dynamics of the global economy. The adoption of information technology and digital innovation has opened up new opportunities to enhance accessibility, operational efficiency, and customer experience in the Islamic finance industry. However, challenges such as regulatory complexity and standards, as well as the need for skilled human resources in Islamic economic principles, remain a primary focus in ensuring the growth and sustainability of the Islamic finance industry.
Co-Authors Afdhal Yaman Ahmad Arif Zulfikar Al Shafa, Salsabyla Amin, Darwis Amina Saramoko Anas, Alfiah A Andi Masniati Asmi Ningsi Umasugi Baharuddin, Didin Buton, Rosalinda Nadam Damapolii, Finanti G Darwis Amin Dety Aryani Relubun Dewi Sukmawati Diman, Agus P Eduard Yohannis Tamaela Erny Wityasminingsih Estu Widarwati Fanji Farman Fatmah Watty Pelupessy Fatmah Watty Pelupessy Fitria Karnudu H. Rajab H. Rajab Hanifah Hanifah Hanifah hanifah hanifah Hasan Hasan Hatala, Siti K Hatapayo, Siti Nur F. Hunsouw, M. Taib Husin Wattimena Jacsy Tubalawony Jenny Koce Matitaputty Kamaruddin Kamaruddin Kamaruddin La Abdul Zayl Limba, Anatasija Limba, natasija Malasari, Dewi Qhuril Malawat, Fadli Fendi Marantika, Juliaans E. Moeljono Mohamad, Syed Ismail Syed Mohammad H. Holle Muammar W. Maruapey Muhammad Husein Maruapey Muhammad Reza Nacikit Muhammad Reza Nacikit Muhrim, M. Rifai Mulyanto, Triadi Nacikit, Muhammad R Nacikit, Muhammad Reza Nadia Nadia Nahria Latuconsina Nunik Nurmalasari Nur Hasanah Nurlette, Erlin D. P. Ode, Santi Pellupessy, Fatmah Watti Pelupessy, Fatmah Watty Putri Rajab Rajab, Rajab Relubun, Dety Ariyani Relubun, Dety Aryani Roup, Mu'min Shalihah, Maratun Soenari Soenari Soenari, Soenari Sunari Suud Marasabessy Syed Ismail Syed Mohamad Tangke, Diar Muzna Thalhah Thalhah, Thalhah Tubalawony, Jacsy Tubalawony, Jaczy Umagapi, Aidia Wakano, Abidin Wattimena, Husin