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Examining Millennials' Halal Tourism Intention: The Role of Percieved Halal Risk and Environmental Concern Muhammad Dzulfaqori Jatnika; Aziz, Nur Jannah Abdi; Alisa, Juniar
Journal of Business and Management Review Vol. 5 No. 10 (2024): (Issue-October)
Publisher : Profesional Muda Cendekia Publishing

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.47153/jbmr.v5i10.1107

Research Aims: The purpose of this research was to provide a conceptual framework for investigating the effect of perceived halal risk, perceived Islamic value, environmental attitude, environmental concern, and perceived environmental knowledge on intention in visiting halal tourist places in West Java Design/methodology/approach: Purposive sampling was utilized in this study. The study's respondents were 400 Muslim millennials from West Java Province. This study's analytical approach is structural equation modeling-partial least squares (SEM-PLS). The ideas of perceived halal risk and environmental concern were combined to determine how they affect intention in visiting halal tourist hotspots in West Java Research Findings: The study's findings show that perceived halal risk, considered Islamic value, environmental attitude, environmental care, and perceived environmental knowledge all have an impact on visitors' intention both directly and indirectly. Theoretical Contribution/Originality: This paper contributes to filling the gap in the literature related to halal tourism management by combining the concepts of halal risk and TPB. In addition, this paper also uses the enviromental attitude variable as a mediating variable in predicting these two concepts. To the best of the author's knowledge, this research is the first to combine the two concepts and add mediating variables to predict the intention to visit halal tourism destinations.

Analisis Efektivitas Promosi Giveaway Bank Syariah Indonesia dengan Model AISAS Muhammad Dzulfaqori Jatnika; Addin Laila Maharani
EKOMA : Jurnal Ekonomi, Manajemen, Akuntansi Vol. 3 No. 4: Mei 2024
Publisher : CV. Ulil Albab Corp

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.56799/ekoma.v3i4.3593

Penelitian ini mempunyai tujuan untuk mengukur sejauh mana setiap tahap dalam model AISAS tercapai dalam kampanye promosi tersebut dan untuk mengidentifikasi faktor-faktor yang mempengaruhi efektivitas setiap tahap. Konsep marketing giveaway dan model AISAS dikombinasikan untuk melihat efektivitas strategi promosi giveaway pada Bank Syariah Indonesia. Kuesioner didistribusikan dengan menggunakan non-probability convenience sampling. Responden dalam penelitian ini sebanyak 350 orang. Penelitian ini menggunakan pendekatan Structural Equation Model Partial Least Square untuk pengujian hipotesis. Penelitian ini memberikan hasil bahwa giveaway memberikan dampak pada seluruh variabel model AISAS. Giveaway memberikan dampak paling besar terhadap variabel attention. Perbankan syariah kedepannya dapat untuk memperkaya strategi promosinya, salah satunya adalah dengan menggunakan strategi promosi giveaway agar konsumen dan nasabah lebih perhatian pada produk perbankan syariah.

BUILDING ASNAF ENTREPRENEURSHIP IN INDONESIA: A PROPOSED PROGRAM FOR AMIL ZAKAT INSTITUTIONS Friantoro, Dian; Jatnika, Muhammad Dzulfaqori; Andani, Listia; Mutmainah, Lu'liyatul; Rahmat, Biki Zulfikri
Asy-Syari'ah Vol. 24 No. 2 (2022): Asy-Syari'ah
Publisher : Faculty of Sharia and Law, Sunan Gunung Djati Islamic State University of Bandung

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.15575/as.v24i2.23067

Abstract: Currently, the distribution of zakat is usually carried out consumptively to meet the basic needs of mustahiq (zakat recipient). Consumptive zakat provides a short-term effect and a dependency effect for asnaf (mustahiq). Therefore, zakat institutions can begin to develop sustainable productive zakat schemes for the welfare of mustahiq. The research aims to design a program and implementation model for Indonesiaâ€™s Asnaf Entrepreneurship Program (AEP). This research uses a qualitative approach with descriptive-analytical methods through literature studies. The AEP program is aimed for asnaf, who meets the criteria of people in need and people experiencing poverty but have the capability to run a bussiness, both physically and mentally. Furthermore, the asnaf are given business assistance by zakat institutions. Assistance can be in the form of a capital loan with a qardh contract, Â while business assistance can be in the form of consulting, training, and monitoring to achieve a profitable and sustainable business. AEP is implemented using the concept of collaborative management. Several zakat institutions may build an AEP compartment to support AEP applications. Mustahiq also can create a community based on the type of business or place of residence. AEP implementation may be challenging but has potential, not only for the benefit of asnaf but also for its multiplier effect on the Indonesian economy.

TRANSFORMASI GAYA HIDUP ZERO WASTE DI PONDOK PESANTREN MAHASISWA MELALUI INOVASI TEKNOLOGI BLOCKCHAIN DAN WAKAF SAMPAH PRODUKTIF Jatnika, Muhammad Dzulfaqori; Faqihuddin, Faqihuddin; Supratman, Supratman; Nur Ilman, Muhammad Agil; Sari, Feni Mustika
Journal of Community Empowerment Vol 4, No 2 (2025): September
Publisher : Universitas Muhammadiyah Mataram

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.31764/jce.v4i2.33742

ABSTRAK Sampah menjadi persoalan kompleks yang berdampak langsung pada lingkungan dan sosial masyarakat salah satunya di Pondok Pesantren Mahasiswa Al-Ihsan. Pondok Pesantren Mahasiswa Al-Ihsan Tasikmalaya menghadapi kendala dalam pengelolaan sampah, terutama keterbatasan fasilitas pemilahan, kurangnya kesadaran santri, serta belum adanya sistem wakaf sampah yang terstruktur. Program pengabdian ini bertujuan untuk meningkatkan kapasitas sumber daya pesantren melalui penerapan gaya hidup zero waste, integrasi wakaf sampah produktif, serta teknologi blockchain sebagai media transparansi dan pengelolaan dana. Metode pelaksanaan meliputi sosialisasi, pelatihan, penerapan teknologi, serta pendampingan dengan melibatkan 97 santri sebagai mitra. Evaluasi dilakukan melalui survei, uji coba sistem blockchain, serta pelaporan kegiatan berbasis luaran. Hasil pengabdian menunjukkan peningkatan pengetahuan dan keterampilan santri sebesar +20,56 poin dalam pengelolaan sampah, serta terbentuknya sistem wakaf digital yang meningkatkan transparansi dan kepercayaan. Program ini juga berhasil mengoptimalkan sumber daya internal pondok dalam menciptakan ekonomi sirkular dan memperkuat pendidikan karakter berbasis nilai Islam. Kata kunci: zero waste; pesantren; wakaf sampah; blockchain; pemberdayaan masyarakat ABSTRACTWaste has become a complex issue with direct impacts on both the environment and society, one of which is at the Al-Ihsan Student Islamic Boarding School. Al-Ihsan Student Islamic Boarding School in Tasikmalaya faces several challenges in waste management, including limited sorting facilities, low awareness among students, and the absence of a structured waste endowment (waqf) system. This community service program aims to enhance the boarding school’s resource capacity by promoting a zero-waste lifestyle, integrating productive waste endowments, and implementing blockchain technology for transparency and fund management. The implementation methods include socialization, training, technology application, and mentoring, involving 97 students as partners. Evaluation was conducted through surveys, blockchain system trials, and output-based activity reporting. The results showed a +20,56 points increase in students’ knowledge and skills in waste management and the establishment of a digital endowment system that improves transparency and trust. This program also successfully optimized the internal resources of the pesantren to create a circular economy and strengthen character education based on Islamic values. Keywords: zero waste; pesantren; waste endowment; blockchain; community empowerment

Intention to Use Islamic Fintech among MSMEs: Knowledge of Sharia Prohibition Approach Jatnika, Muhammad Dzulfaqori; Friantoro, Dian; Muhammad, Mumuh; Iskandar, Iskandar; Alikhan, Liya Ur Rahman Liyakath
JURNAL MANAJEMEN UNIVERSITAS BUNG HATTA Vol 19 No 1 (2024): Jurnal Manajemen Universitas Bung Hatta
Publisher : Management Department, Faculty of Economics and Business, Universitas Bung Hatta

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.37301/jmubh.v19i1.24443

The purpose of this study is to investigate the influential factors on behavioral intentions toward Islamic fintech use among Micro, Small and Medium Enterprises in Indonesia. The author adds a new research model about intention to use in the form of Technology Acceptance Model, Knowledge of Sharia Prohibition, Word of Mouth and Trust which has not been used in other studies. This research utilized a quantitative approach, an online survey was distributed to 350 MSMEs owners. The data collected from the participants were subjected to Structural Equations Modeling-Partial Least Squares (SEM-PLS) analysis, enabling a thorough examination of the variables under investigation. The results show that the variable of word of mouth and perceived ease of use have positive and significant impact on perceived usefulness. In addition, the variable of trust and perceived usefulness influence attitude significantly. This study also indicates that attitude affects intention to use Islamic fintech significantly. Then, the Attitude mediates the relationship between perceived usefulness and trust and Intention to use Islamic fintech. The findings of this study will be useful for policy makers and managers of Islamic fintech companies because it can help them find out the factors that drive intention to use Islamic fintech services.

Implementasi Regulasi Fintech Syariah di Indonesia Jatnika, Muhammad Dzulfaqori; Daliah Mutiara, Aneng Anisa
Gudang Jurnal Multidisiplin Ilmu Vol. 2 No. 5 (2024): GJMI - MEI
Publisher : PT. Gudang Pustaka Cendekia

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

Perkembangan teknologi dan informasi pada sektor jasa keuangan melahirkan financial technology (fintech). Kemudian perkembangan tersebut direspon oleh keuangan syariah dengan munculnya fintech syariah. Penelitian ini bertujuan untuk menelaah implementasi pelaksanaan fintech syariah berdasarkan beberapa regulasi dan fatwa yang dikeluarkan oleh OJK, Bank Indonesia, dan MUI sehingga tercipta persaingan usaha yang sehat. Penelitian ini adalah penelitian kualitatif dengan menggunakan metode yuridis normatif. Hasil penelitian ini adalah Peraturan Bank Indonesia No. 19/12/PBI/2017 dan Peraturan OJK (POJK) Nomor: 77/POJK.01/2016 masih terdapat ketidakjelasan pemisahan antara regulasi untuk fintech konvensional dan fintech syariah. Kemudian pada tahun 2018 barulah muncul Fatwa DSN MUI Nomor 117/DSN-MUI/II/2018 tentang Layanan Pembiayaan Berbasis Teknologi Informasi berdasarkan Prinsip Syariah yang mengatur secara lebih spesifik dan komperhensif mengenai fintech syariah. Otoritas yang berwenang dalam mengatur keberlangsung industri fintech syariah harus membuat regulasi secara komprehensif agar memperkecil risiko persaingan usaha yang tidak sehat dan meningkatkan minat para konsumen untuk menggunakan fintech syariah.

Minat Beli Green Cosmetics Halal Generasi Milenial: Peran Green Trust dan Customer Engagement Bunda, Cici Aulia Permata; Faqihuddin, Faqihuddin; Jatnika, Muhammad Dzulfaqori
Jurnal Ilmiah Ekonomi Islam Vol. 10 No. 2 (2024): JIEI : Vol.10, No.2, 2024
Publisher : ITB AAS INDONESIA Surakarta

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.29040/jiei.v10i2.13628

This study aims to describe the purchasing behavior of halal and environmentally friendly cosmetics among Muslim millennials. The concepts of green marketing and theory of planned behavior are combined to see their influence on interest in using halal green cosmetics. Respondents in this study were 350 Muslim millennials who live in West Java Province. The questionnaire was distributed using non-probability convenience sampling. Hypothesis testing in this study used the Structural Equation Model Partial Least Square approach. The results of this study are green perceived value, green perceived risk, attitude towards green purchasing, brand experience, and customer engagement have both direct and indirect effects. This research only covers the people of West Java Province, in the future samples can be added that cover all of Indonesia or between countries.

Pembiayaan Sukuk dalam Skema Kerjasama Pemerintah dan Badan Usaha (KPBU): Pengembangan Sumber Daya Manusia (SDM) di Sektor Energi dan Sumber Daya Mineral (ESDM) yang Berkelanjutan Dzulfaqori Jatnika, Muhammad; Andani, Listia
Risalah Iqtishadiyah Vol 2 No 1 (2023): January - June 2023
Publisher : Risalah Iqtisadiyah: Journal of Sharia Economics, Sharia Economics Study Program, STEI Ar Risalah Sumatera Barat

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.59107/ri.v2i1.25

Indonesia is one of the countries in the world that has a large potential for energy and mineral resources. Therefore, this potential can be managed by the government for social welfare. This study aims to develop a financing model using Sukuk as the main source of financing instruments. The scheme used in this sukuk financing is Public-Private Partnership. This research adopts a qualitative approach with a descriptive analysis method through a literature study. The results of the study demonstrate that the design of the development model for financing human resource development can be executed using the Government and Business Entity Cooperation scheme supported by funds from Sukuk. This scheme offers several benefits for related ministries, business entities, the community, and human resources working in the energy and mineral sector. The government obtains additional capital and partners in conducting human resource education and training. Business entities generate income from the services provided and acquire additional capital. Communities can participate in investing through the development and financing model of Sukuk, and the number of beneficiaries of education and training increases. It is hoped that the financing development model with the KPBU and sukuk schemes can be welcomed and responded to by the government by issuing a legal umbrella as the basis for its implementation. For future research, it is also necessary to design the next mechanism to link the return on investment with the revenue earned from project operations.

EXPLORING MUSLIM CONSUMERS' INTENTIONS TOWARD IMPORTED HALAL FOOD: AN INTEGRATION OF TCV AND TPB Jatnika, Muhammad Dzulfaqori; Friantoro, Dian; Bunda, Cici Aulia Permata; Rahmawati, Yesi
Ekonomi Islam Vol. 16 No. 2 (2025): Jurnal Ekonomi Islam Fakultas Agama Islam UHAMKA
Publisher : Universitas Muhammadiyah Prof DR HAMKA

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.22236/jei.v16i2.20733

Research aims: To examine the consumption value factors influencing Muslim consumers’ purchase motives for imported halal products in West Java and to analyze the role of attitude, subjective norms, and perceived behavioral control in shaping purchase intention. Design/Methodology/Approach: A quantitative approach was applied through a survey of 273 purposively selected respondents, with data analyzed using Structural Equation Modeling–Partial Least Squares (SEM-PLS). Research findings: The results show that attitude and perceived behavioral control significantly affect purchase intention, whereas subjective norms have no meaningful impact. Quality, price, and emotional values strongly influence attitude and, through it, enhance behavioral intention, while conditional values show no significant role. These findings suggest that intrinsic consumption values and positive attitudes are the main drivers of intention, highlighting the limited effect of social and situational factors. Theoretical Contribution/Originality: Integrates the Theory of Consumption Values (TCV) and the Theory of Planned Behavior (TPB) to explain how intrinsic motivations outweigh external pressures in shaping halal consumption behavior. Practitioners/Policy Implications: Practically, policymakers and halal certification bodies should strengthen trust in product quality and authenticity while fostering emotional engagement through branding and communication strategies. Rather than focusing on social influence or temporary promotions, sustainable growth in halal consumption depends on nurturing intrinsic values and favorable consumer attitudes. Research Limitations/Implications: The study is limited to Muslim consumers in West Java; future research could employ longitudinal or mixed methods, compare regions, or explore variables such as religiosity, trust in certification, and digital influence.

EXPLORING MUSLIM CONSUMERS' INTENTIONS TOWARD IMPORTED HALAL FOOD: AN INTEGRATION OF TCV AND TPB Jatnika, Muhammad Dzulfaqori; Friantoro, Dian; Bunda, Cici Aulia Permata; Rahmawati, Yesi
Ekonomi Islam Vol. 16 No. 2 (2025): Jurnal Ekonomi Islam Fakultas Agama Islam UHAMKA
Publisher : Universitas Muhammadiyah Prof DR HAMKA

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.22236/jei.v16i2.20733

Research aims: To examine the consumption value factors influencing Muslim consumers’ purchase motives for imported halal products in West Java and to analyze the role of attitude, subjective norms, and perceived behavioral control in shaping purchase intention. Design/Methodology/Approach: A quantitative approach was applied through a survey of 273 purposively selected respondents, with data analyzed using Structural Equation Modeling–Partial Least Squares (SEM-PLS). Research findings: The results show that attitude and perceived behavioral control significantly affect purchase intention, whereas subjective norms have no meaningful impact. Quality, price, and emotional values strongly influence attitude and, through it, enhance behavioral intention, while conditional values show no significant role. These findings suggest that intrinsic consumption values and positive attitudes are the main drivers of intention, highlighting the limited effect of social and situational factors. Theoretical Contribution/Originality: Integrates the Theory of Consumption Values (TCV) and the Theory of Planned Behavior (TPB) to explain how intrinsic motivations outweigh external pressures in shaping halal consumption behavior. Practitioners/Policy Implications: Practically, policymakers and halal certification bodies should strengthen trust in product quality and authenticity while fostering emotional engagement through branding and communication strategies. Rather than focusing on social influence or temporary promotions, sustainable growth in halal consumption depends on nurturing intrinsic values and favorable consumer attitudes. Research Limitations/Implications: The study is limited to Muslim consumers in West Java; future research could employ longitudinal or mixed methods, compare regions, or explore variables such as religiosity, trust in certification, and digital influence.

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