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All Journal AL-RISALAH An - Nisa` QALAMUNA: Jurnal Pendidikan, Sosial, dan Agama SAMARAH: Jurnal Hukum Keluarga dan Hukum Islam IKRA-ITH EKONOMIKA Al-Qalam Al-Muqayyad Jurnal EK dan BI Jurnal Ilmiah Al-Tsarwah Asy-Syarikah : Jurnal Lembaga Keuangan, Ekonomi dan Bisnis Islam Bisnis Net : Jurnal Ekonomi dan Bisnis Jurnal Ekonomi Bisnis, Manajemen dan Akuntansi (JEBMA) Al-Iqtishod : Jurnal Ekonomi Syariah Jurnal Ekonomi dan Manajemen Indonesia Al-Muamalat : Jurnal Ekonomi Syariah Islamiconomic: Jurnal Ekonomi Islam Al-Risalah: Jurnal Hukum Keluarga Islam (Ahwal Al-Syakhsiyah) Perbanas Journal of Islamic Economics and Business Journal of Islamic Economics Lariba Benefit : Journal of Bussiness, Economics, and Finance Mu'amalah : Jurnal Hukum Ekonomi Syariah Mutiara: Multidiciplinary Scientifict Journal Islamic Banking and Finance Journal of Financial, Business and Economics Journal of Islamic Economics and Finance Al-Kharaj: Jurnal Ekonomi, Keuangan & Bisnis Syariah El-Mal: Jurnal Kajian Ekonomi & Bisnis Islam Journal of Innovative and Creativity Journal of Development Economic and Social Studies (JDESS) Jurnal Social Society Jurnal Inovasi Ekonomi Syariah dan Akuntansi International Journal of Economics, Commerce, and Management Jurnal Manajemen Bisnis dan Keuangan Journal of Ekonomics, Finance, and Management Studies Jipmor: Jurnal Ilmu Pendidikan Dan Humaniora Journal of Islamic Economics and Finance Jurnal Ekonomi, Manajemen, Akuntansi LAN TABUR: JURNAL EKONOMI SYARIAH Journal of Noesantara Islamic Studies
Sitti Nikmah Marzuki, Sitti Nikmah
Institut Agama Islam Negeri (IAIN) Bone
Religion Agriculture, Biological Sciences & Forestry Arts Humanities Civil Engineering, Building, Construction & Architecture Decision Sciences, Operations Research & Management Economics, Econometrics & Finance Education Energy Environmental Science Industrial & Manufacturing Engineering Languange, Linguistic, Communication & Media Law, Crime, Criminology & Criminal Justice Materials Science & Nanotechnology Mathematics Mechanical Engineering Social Sciences Other

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Spiritual Trust in AI Systems: Investigating the Role of Ta‘abbud in Personalized E-Commerce for Generation Z Syahraeni; Syaparuddin; Marzuki, Sitti Nikmah; Hukmiah; Sabbar, Sabbar Dahham
Al-Muamalat: Jurnal Ekonomi Syariah Vol. 12 No. 2 (2025): July
Publisher : Department of Sharia Economic Law, Faculty Sharia and Law, UIN Sunan Gunung Djati Bandung

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.15575/am.v12i2.46646

Abstract

The rapid growth of AI-based e-commerce has yet to integrate spiritual values such as ta‘abbud, essential for Muslim consumers in fostering trust and holistic well-being. This study aims to explore the role of ta‘abbud in AI recommendation systems, enhancing consumer well-being materially and spiritually through increased consumer trust. The research is grounded in four theoretical frameworks: the Technology Acceptance Model (TAM), Consumer Well-Being, Consumer Behavior, and AI Personalization. The study employs Partial Least Squares Structural Equation Modeling (PLS-SEM) to assess relationships between variables. Data were collected via a stratified sampling questionnaire involving 240 Generation Z respondents. The findings reveal that information accessibility significantly influences the shopping experience (R² = 0.743), whereas recommendation quality moderately affects consumer trust (R² = 0.724). Furthermore, AI-based recommendation personalization enhances consumer well-being (R² = 0.635) by improving trust and recommendation relevance (R² = 0.586). Although the effect of ta‘abbud is relatively small, it plays a meaningful role in shaping trust in AI systems, particularly for halal product purchases. This study offers practical implications for Sharia-compliant e-commerce in building consumer loyalty through value-based strategies.
Trends in Sustainable Consumption: Adoption of Halal Packaged Food among Millennial Jusman, Rahmayani; Razak, Syaparuddin; Marzuki, Sitti Nikmah
Perbanas Journal of Islamic Economics and Business Vol 4 No 2 (2024): Perbanas Journal of Islamic Economics and Business
Publisher : Institut Keuangan-Perbankan Dan Informatika Asia Perbanas

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.56174/pjieb.v4i2.260

Abstract

This study aims to explore the relationship between intention, perceived behavioral control, and the substantive impact of intention in adopting halal packaged foods among the millennials. This study applied the Theory of Planned Behavior framework. A quantitative descriptive research method was employed, with data collected through questionnaires from two hundred respondents selected via simple random sampling in July-August 2023. The results showed that intention and perceived behavioral control play key roles in adopting halal packaged foods. Factors such as sharia compliance, attitude toward halal food, subjective norms, and perceived behavioral control significantly influence the formation of intention. The novelty of this research lies in the integrative examination of various factors influencing the intention to adopt halal packaged foods within the context of Indonesian society, providing new insights into the interaction between psychological and religious factors. The implications of these findings highlight the importance of enhancing halal literacy among consumers to strengthen positive attitudes toward halal food and sharia compliance. Social environmental support and strengthening behavioral control can also increase the intention to adopt halal packaged foods. Recommendations for stakeholders include providing clear and educational information about the benefits and importance of halal food, as well as developing marketing strategies that emphasize these aspects to encourage broader adoption within the community.
Soft Skill and Hard Skill Development Model in Improving the Quality of Human Resources in the Higher Education Environment Marzuki, Sitti Nikmah; Muljan, Muljan; Haslinda, Haslinda; Affandi, Lukman
QALAMUNA: Jurnal Pendidikan, Sosial, dan Agama Vol. 16 No. 1 (2024): Qalamuna - Jurnal Pendidikan, Sosial, dan Agama
Publisher : Lembaga Penerbitan dan Publikasi Ilmiah Program Pascasarjana IAI Sunan Giri Ponorogo

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.37680/qalamuna.v16i1.5070

Abstract

This research aims to identify the soft and hard skills students need to improve the quality of human resources in the tertiary environment. The research was conducted in Bone Regency, focusing on IAIN Bone students and related stakeholders. The research method used is qualitative research, which involves interviews, observations, and questionnaires to collect primary data and documents and literature as secondary data. Data analysis was carried out using qualitative descriptive techniques and descriptive statistical analysis. It is hoped that the results of this research will be able to design practical and applicable skills development models and evaluate the effectiveness of the skills development programs that have been implemented. The ultimate goal of this research is to improve the quality of college graduates so that they are ready to compete in the world of work, support higher education policies, increase the competitiveness of universities, and prepare students to face increasingly complex future challenges. This research provides recommendations to universities regarding developing curricula and learning programs that are more comprehensive and relevant to industry needs.
Critical Analysis of the Concept of Usury in Islamic Economics and its Implications for Islamic Finance Abdullah, Rais; Marzuki, Sitti Nikmah; Karliena, Yayuk; D, A Zulfikar
Journal of Noesantara Islamic Studies Vol. 2 No. 2 (2025)
Publisher : Yayasan Adra Karima Hubbi

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.70177/jnis.v2i2.1847

Abstract

The concept of usury (riba) occupies a pivotal position in Islamic economics, serving as a foundational principle shaping Islamic financial practices. Despite its centrality, the interpretation and application of riba have been subjects of extensive debate among scholars, particularly concerning its implications for modern Islamic finance. This study aims to critically analyze the concept of riba within the framework of Islamic economics, exploring its historical evolution, interpretative nuances, and contemporary challenges. Employing a qualitative methodology, this research integrates a systematic review of classical Islamic jurisprudence texts and modern scholarly discourse, complemented by case studies of Islamic financial institutions. The findings reveal that while riba is unequivocally prohibited in Islamic law, its definition and scope vary, influencing the operational dynamics of Islamic financial products such as murabahah, ijarah, and sukuk. Moreover, the study identifies a tension between theoretical ideals and practical implementations, highlighting the need for greater consistency and innovation in Islamic finance to align with maqasid al-shariah. The study concludes that a nuanced understanding of riba is essential for addressing contemporary financial complexities and fostering the growth of an ethical and sustainable Islamic financial system.  
Analisis Efektivitas Penerapan Laporan Keuangan Berdasarkan Pedoman Akuntansi Menggunakan PSAK No. 45 Aulia Nur Ramadhani; Sitti Nikmah Marzuki; Andi Ika Fahrika
Journal of Innovative and Creativity Vol. 5 No. 2 (2025)
Publisher : Fakultas Ilmu Pendidikan Universitas Pahlawan Tuanku Tambusai

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.31004/joecy.v5i2.1338

Abstract

Penelitian ini bertujuan untuk mengevaluasi efektivitas penerapan laporan keuangan pada BaitulMaal Munzalan Indonesia Cabang Bone berdasarkan Pernyataan Standar Akuntansi Keuangan (PSAK) No. 45 yang diperuntukkan bagi entitas nirlaba. Metode yang digunakan adalah penelitian lapangan dengan pendekatan kualitatif, melalui wawancara semi-terstruktur dan analisis dokumentasi terhadap pihak pengelola keuangan. Hasil penelitian menunjukkan bahwa lembaga ini telah menerapkan empat komponen utama laporan keuangan sesuai PSAK No. 45, yaitu: Laporan Posisi Keuangan, Laporan Aktivitas, Laporan Arus Kas, dan Catatan atas Laporan Keuangan, dengan dukungan aplikasi Sperat Sheet yang terintegrasi dengan kantor pusat. Meskipun demikian, ditemukan sejumlah kendala, seperti kesalahan dalam penamaan akun, ketidaklengkapan bukti transaksi, pencatatan arus kas yang belum teratur, serta kurangnya pemahaman teknis dalam penyusunan catatan laporan keuangan. Sebagai solusi, lembaga melakukan evaluasi rutin, peningkatan verifikasi data, pengelompokan transaksi secara sistematis, serta pelatihan teknis berkala. Secara keseluruhan, penerapan PSAK No. 45 telah berjalan cukup baik, namun masih membutuhkan perbaikan berkelanjutan untuk meningkatkan transparansi, akuntabilitas, dan akurasi laporan keuangan.
Pengaruh Modal Intelektual Terhadap Keunggulan Bersaing Melalui Kinerja Usaha Mikro Di Kabupaten Bone Amelia Apriliani Bulan; Muhammad Yamin; Sitti Nikmah Marzuki
Journal of Innovative and Creativity Vol. 5 No. 2 (2025)
Publisher : Fakultas Ilmu Pendidikan Universitas Pahlawan Tuanku Tambusai

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.31004/joecy.v5i2.1339

Abstract

Tujuan penelitian ini adalah untuk mengetahui pengaruh Modal Intelektual terhadap Keunggulan Bersaing melalui Kinerja Mikro di kabupaten Bone. Jenis penelitian ini adalah penelitian lapangan dengan menggunakan metode kuantitatif. Populasi pada penelitian ini semua pelaku usaha mikro di Kabupaten Bone, sampel diambil 100 responden dengan teknik purposive sampling yaitu penganmbilan sampel secara tidak acak sederhana. Penelitian ini menggunkan data primer yang didapat dari jawaban responden yang berupa pengisian kuesioner yaitu data yang diperoleh langsung dari objek penelitian. Alat yang digunakan untuk menganalisis data yaitu IBM SPSS Statistic 23, teknik analisis data meliputi: uji instrument yang terdiri dari uji validitas dan reliabilitas, uji asumsi klasik terdiri dari uji normalitas, uji multikolinealitas dan uji heteroskasdasititas, uji hipotesis terdiri uji t dan uji koefisien determinasi (R2), dan uji multi linear reggresion. Hasil penelitian ini menunjukkan bahwa (1) modal intelektual berpengaruh positif signifikan terhadap kinerja usaha. (2) modal intelektual berpengaruh positif dan signifikan terhadap keunggulan bersaing. (3) modal intelektual berpengaruh positif dan signifikan terhadap keunggulan bersaing memalui kinerja usah mikro. implikasi dari penelitian ini bahwa pengembangan modal intelektual dapat meningkatkan kinerja usaha mikro, yang pada akhirnya akan memperkuat keunggulan bersaing di pasar. Temuan ini memberi kesan bagi pemangku kepentingan dan pelaku untuk lebih fokus pada pengembangan sumber daya manusia dan pengetahuan sebagian bagian dari strategi peningkatan daya saing.
Analisis Faktor-faktor Yang Mempengaruhi Proses Mendapatkan Sertifikasi Halal Di Kalangan Para Pelaku Usaha Mikro Di Kabupaten Bone Nurul Dzakyya Syifa; Sitti Nikmah Marzuki; Rina Novianty
Journal of Innovative and Creativity Vol. 5 No. 2 (2025)
Publisher : Fakultas Ilmu Pendidikan Universitas Pahlawan Tuanku Tambusai

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.31004/joecy.v5i2.1743

Abstract

Penelitian ini menganalisis faktor-faktor yang mempengaruhi proses mendapatkan sertifikasi halal di kalangan pelaku usaha mikro di Kabupaten Bone. Faktor-faktor yang dianalisis meliputi pengetahuan pelaku usaha, kesadaran pentingnya sertifikasi halal, dan biaya sertifikasi halal. Fokus penelitian ini terletak pada bagaimana keempat faktor tersebut memengaruhi niat dan kemauan pelaku usaha mikro untuk mengajukan sertifikasi halal sebagai bentuk kepatuhan terhadap ketentuan keagamaan dan kebutuhan pasar. Pertanyaan penelitian yang diajukan adalah: (1) Apakah pengetahuan pelaku usaha berpengaruh terhadap sertifikasi halal, (2) Apakah kesadaran pentingnya sertifikasi halal berpengaruh terhadap sertifikasi halal, dan (3) Apakah biaya sertifikasi halal berpengaruh terhadap sertifikasi halal. Untuk menjawab pertanyaan penelitian tersebut, data dikumpulkan melalui penyebaran kuesioner kepada 170 pelaku usaha mikro di Kabupaten Bone. Teknik pengambilan sampel yang digunakan adalah Simple random sampling, dan data dianalisis menggunakan regresi linier berganda dengan bantuan aplikasi SPSS. Data yang diperoleh dari responden kemudian diolah untuk mengetahui pengaruh masing-masing variabel terhadap sertifikasi halal.Hasil penelitian menunjukkan bahwa: (1) Pengetahuan pelaku usaha berpengaruh terhadap sertifikasi halal, (2) Kesadaran pentingnya sertifikasi halal berpengaruh terhadap sertifikasi halal, dan (3) Biaya sertifikasi halal berpengaruh terhadap sertifikasi halal. Dengan demikian, sebagian besar hipotesis yang diajukan dalam penelitian ini terbukti dan dapat diterima.
Strategi Pengembangan BSI Smart Agen di Kab. Bone Armin, Armin; Marzuki, Sitti Nikmah; Titiek Muthmainnah
Islamic Banking and Finance Vol. 5 No. 2 (2025)
Publisher : Faculty of Islamic Economics and Business

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.30863/ibf.v5i2.6001

Abstract

Penelitian ini menganalisis strategi pengembangan BSI Smart Agen dalam mendorong inklusi keuangan syariah di Kabupaten Bone serta merumuskan strategi pengembangannya. Penelitian menggunakan pendekatan kualitatif deskriptif dengan pengumpulan data melalui observasi, wawancara mendalam, dan dokumentasi. Analisis dilakukan menggunakan pendekatan SWOT untuk mengidentifikasi faktor internal dan eksternal yang memengaruhi kinerja agen. Hasil penelitian menunjukkan bahwa BSI Smart Agen memiliki potensi besar dalam memperluas akses layanan keuangan syariah melalui pemanfaatan teknologi digital, fleksibilitas operasional, dan dukungan kebijakan inklusi keuangan. Namun, pengembangan layanan masih menghadapi keterbatasan modal kerja, rendahnya literasi keuangan masyarakat, persaingan antaragen, serta kendala infrastruktur jaringan. Analisis SWOT menempatkan BSI Smart Agen pada Kuadran I, yang menunjukkan bahwa strategi agresif merupakan pendekatan paling tepat untuk memperkuat peran agen dalam mendukung inklusi keuangan syariah.
Pengaruh Inovasi Produk dan Promosi melalui Strategi Konten Kreatif di Media Sosial terhadap Kinerja UMKM yang bersertifikasi Halal di kabupaten Bone Hikmah, Nur; Mutalib, Ahmad Abdul; Marzuki, Sitti Nikmah
El-Mal: Jurnal Kajian Ekonomi & Bisnis Islam Vol. 6 No. 9 (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.v6i9.9822

Abstract

This study aims to analyze the influence of product innovation and promotion through creative content strategies on social media on the performance of halal-certified Micro, Small, and Medium Enterprises (MSMEs) in Bone Regency. Product innovation and promotion are strategic factors that can enhance the competitiveness of MSMEs, particularly in the digital era where social media has become the primary marketing channel. The research employed a quantitative approach with an associative method and the Structural Equation Modeling-Partial Least Square (SEM-PLS) analysis technique. Primary data were collected through questionnaires distributed to 140 respondents using a purposive sampling technique. The research instrument utilized a 5-point Likert scale, which had passed validity and reliability testing. The results indicate that product innovation has no significant effect on creative content strategies on social media (t=0.453, p = 0.651) and MSME performance (t=0.265, p= 0.791). Conversely, promotion significantly affects creative content strategies on social media (t = 8.727, p0.000) and MSME performance (t = 2.106, p = 0.036). Creative content strategies on social media have a significant effect on MSME performance (t = 7.261, p = 0.000). Furthermore, creative content strategies significantly mediate the relationship between promotion and MSME performance (t = 5.197, p = 0.000), but do not mediate the relationship between product innovation and MSME performance (t = 0.449, p = 0.653). The implications of these findings suggest that promotion packaged through creative content strategies on social media plays an important role in enhancing the performance of halal-certified MSMEs. Meanwhile, product innovation needs to be supported by relevant marketing strategies to contribute effectively to performance. Therefore, business actors, the government, and other stakeholders should focus on improving digital marketing skills to maximize the potential of social media promotion.
Human Development and Institutional Quality: Enhancing Welfare in OIC Countries Basri; Riska Prasasti; Muh. Irnandas; Hasnidar Yuslin; Sitti Nikmah Marzuki
Journal of Development Economic and Social Studies Vol. 5 No. 2 (2026)
Publisher : Fakultas Ekonomi dan Bisnis Universitas Brawijaya

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

Abstract

This study investigates the factors influencing human resource development (HRD) in Organization of Islamic Cooperation (OIC) countries, focusing on the moderating role of government governance. The analysis explores variables such as inflation, foreign direct investment (FDI), GDP, population, unemployment, international trade, and human capital, examining their impact on HRD and institutional quality. Secondary data from trusted sources including the World Bank, UNDP, Our World in Data, and WGI is utilized, covering 50 OIC countries from 2012 to 2021. The research applies Dynamic Panel GMM and Moderated Regression Analysis (MRA) to identify relationships and moderating effects. Findings show that inflation adversely affects the Human Development Index (HDI), while FDI and economic growth positively influence HDI, highlighting the importance of foreign investment in revitalizing OIC economies. Population growth, human capital, and unemployment also play crucial roles in HRD. Furthermore, government governance emerges as a quasi-moderator, underlining its significance in the effective development of human resources. This study emphasizes the importance of addressing inflation, FDI, GDP, unemployment, human capital, and trade policies to foster sustainable HRD, with government governance playing a key supportive role.
Co-Authors A.Wulandari Abd. Rasyid R Abd.Hafid Abdullah, Rais Abdullahanaa, Abdullahanaa Affandi, Lukman Akifah Aksi Hamzah Amelia Apriliani Bulan Amir, Muhammad Fakhri Andi Ika Fahrika Andi Musdalipah Andi Oddang Anggryani, Lisa Anisa Anisa Anizah, Nur Ansyah, Arbi Arafah, Muh Ariska, Ayu Armin Armin, Armin Aulia Nur Ramadhani Ayu Puspa Kirana Basri Buhari, Ulfa Luthfiyah Buhasyim, Muhammad Abdi D, A Zulfikar Fitri, Nur Aulia Hafid, Abd. Hardina Pratiwi Hasanah Hasanah Haslinda Haslinda, Haslinda Hasminiar, Hasminiar Hasnidar Yuslin Herianti Herianti Hj. Hukmiah Hukmiah HUKMIAH HUSAIN Ida Farida Idayanti, Rini Ihzani, Masdathul Irsyam, Muh Islami, Nur Ainul Islami JUMARDI Jumarni Jumarni Jumriani , Jumriani Jumriani, Jumriani Jusman, Rahmayani Kadir, Syahruddin Karliena, Yayuk Kasnaini KIRANA, AYU PUSPA Masyhuri Masyhuri Muh. Irnandas Muhammad Yamin Muis, Musrini Muljan, Muljan Munawarah Munawarah, Munawarah Mutalib, Ahmad Abdul mutiara mutiara Nur Azizah Nur Hikmah Nurhidayah Nurhidayah Nurlisa Safitri Nurul Dzakyya Syifa Rahmat Hidayat Rahmayanti, Vera Rajul, Ahmad Ramdani, Nurdianti Ramli, Bustan Razak, Syaparuddin Restiani, Vira Rina Novianty Rina Novianty, Rina Riska Prasasti Rosmini Rosmini Sabbar, Sabbar Dahham Sakirah Sakirah Sari, Surya Karmila Shadriyah Sinta Sahara Strech, David E Syahban, Wahyudin Syahraeni Syahraeni, Syahraeni Syamsul Bahri Syaparuddin Syaparuddin Razak Titiek Muthmainnah wahyuni wahyuni