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All Journal Jurnal Manajemen Teknologi Jurnal Ekonomi Syariah Teori dan Terapan SINERGI: Jurnal Ilmiah Ilmu Manajemen Jurnal Masharif al-Syariah: Jurnal Ekonomi dan Perbankan Syariah al-Uqud : Journal of Islamic Economics Ihtifaz: Journal of Islamic Economics, Finance, and Banking Cakrawala: Jurnal Litbang Kebijakan ECOPLAN : JOURNAL OF ECONOMICS AND DEVELOPMENT STUDIES NUKHBATUL 'ULUM : Jurnal Bidang Kajian Islam Indonesian Journal of Halal Research Jurnal Riset Akuntansi Kontemporer Oeconomicus Journal of Economics Journal of Islamic Law El-Qist : Journal of Islamic Economics and Business (JIEB) Airlangga Journal of Innovation Management Jurnal Manajemen dan Inovasi (MANOVA) Etihad: Journal of Islamic Banking and Finance Journal of Economics Development Issues Al-Masraf: Jurnal Lembaga Keuangan dan Perbankan Nomicpedia: Journal of Economics and Business Innovation Journal of Islamic Economics Lariba IIJSE Journal of Finance and Islamic Banking Madania: Jurnal Kajian Keislaman
Ana Toni Roby Candra Yudha
Universitas Islam Negeri Sunan Ampel Surabaya
Religion Humanities Biochemistry, Genetics & Molecular Biology Computer Science & IT Decision Sciences, Operations Research & Management Economics, Econometrics & Finance Education Environmental Science Law, Crime, Criminology & Criminal Justice Library & Information Science Medicine & Pharmacology Social Sciences Other

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Milenials consumer behavior and it’s influence on purchase decisions of halal cosmetic products Yudha, Ana Toni Roby Candra; Haryono, Slamet
al-Uqud : Journal of Islamic Economics Vol. 8 No. 1 (2024): January
Publisher : Universitas Negeri Surabaya

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.26740/aluqud.v8n1.p83-95

Abstract

The stretching development of the global halal industry, including Indonesia, continues to receive consumers' attention. Among the many sectors that attract consumers' interest is cosmetics, especially with a halal label; product quality supported by promotions by public figures continues to encourage consumers' desire to use halal cosmetics. This study aims to confirm the influence of millennial consumer behavior on purchasing decisions for halal cosmetic products. A random confirmation process of the respondents accompanies this quantitative research method. There were 120 respondents who were dominated by women millennials, with the SmartPLS test tool and a Likert scale of degree 4. The research results were among the four independent variables. Halal labels and sales services had no effect, while product quality and consumer ratings affected purchasing decisions for halal cosmetics. At the confirmation level, it is known that halal labels and sales services get respondents' attention; even without knowledge about them, they immediately buy products because of brands, influencers, and friend recommendations. So, the halal label and sales service does not have a significant effect; instead, it is an attitude of 'ignorance' and is more due to brand or influencer education, as previously stated.
Kemandirian Ekonomi Masyarakat Desa Berbasis Pemanfaatan Aset Produktif di Kabupetan Mojokerto Maghfiroh, Aulya Putri; Yudha, Ana Toni Roby Candra; Pradessari, Alda; Astuti, Setyani Agung Dwi
CAKRAWALA Vol 15, No 2: Desember 2021
Publisher : Badan Penelitian dan Pengembangan Provinsi Jawa Timur

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.32781/cakrawala.v15i2.360

Abstract

Penelitian ini bertujuan untuk mengetahui keberhasilan dorongan aset produktif bagi kemandirian masyarakat melalui upaya pemberdayaan masyarakat oleh PNPM. Metode penelitian ini menggunakan pendekatan kualitatif  dengan strategi etnografi yang dilaksanakan di Kecamatan Gondang, Kabupaten Mojokerto dalam kurun waktu bulan Agustus sampai September 2020. Data yang digunakan yaitu data primer yang diperoleh melalui wawancara mendalam. Peneliti juga menggunakan data sekunder yang berupa arsip dan dokumen.. Hasil dari penelitian ini menunjukkan bahwa upaya peningkatan kemandirian masyarakat melalui program pemberdayaan masyarakat PNPM cenderung terfokus pada peningkatan aset produktif dan belum sepenuhnya difokuskan pada keberhasilan kemandirian masyarakat melalui kegiatan pemberdayaan masyarakat. Adapun saran yang beresesuaian dengan hasil penelitian yaitu agar UPK Kecamatan Gondang menyeleksi masyarakat yang melakukan kredit pada program UEP untuk memastikan bahwa penggunaannya benar-benar diperuntukkan bagi pengembangan usaha serta melakukan mentoring secara berkala pada kelompok binaan sebagai bentuk evaluasi pemberdayaan.
Strategi Penanggulangan Dampak Pandemi pada Kondisi Sosio-Ekonomi dan Pendidikan di Desa Tambak Cemandi, Sedati, Sidoarjo Aulia, Fa'iqotur; Yudha, Ana Toni Roby Candra; Dharmawan, Ferry; Saputra, Gery Akbar; Wahid, Muhammad Ilham; Rosidhah, Nafi Ngatur
CAKRAWALA Vol 16, No 1: Juni 2022
Publisher : Badan Penelitian dan Pengembangan Provinsi Jawa Timur

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.32781/cakrawala.v16i1.381

Abstract

Adanya COVID 19 menyebabkan banyak dampak pada segala aspek, termasuk ekonomi, sosial dan pendidikan. Hal itu terjadi dan dirasakan oleh semua wilayah di Indonesia, tidak tercuali Desa Tambak Cemandi, Sidoarjo. Tujuan studi ini adalah untuk memberikan alternatif model strategi dalam meredakan permasalahan akibat pandemi COVID 19. Metode yang digunakan adalah kualitatif fenomenologi, yaitu melalui proses penggalian data, mengkaji, dan interaksi sosial selama 1 bulan bersama masyarakat setempat. Hasil studi yang didapatkan adalah adanya tren penurunan kualitas ekonomi dalam hal daya beli, peluang kerja, pendapatan dan konsumsi selama masa pandemi COVID 19. Hal ini terlihat dari penurunan aktivitas melaut dan tangkapan yang diperoleh. Atas hal tersebut maka, perlu adanya strategi penaggulangan dampak  bantuan informasi dengan mencarikan calon pembeli atau konsumen dengan melibatkan semua pemangku kepentingan di daerah Desa Tambak Cemandi. Sehingga saran yang bersesuaian dengan hasil tersebut adalah perlu adanya kerjasama berkesinambungan dengan perangkat desa setempat agar mendapat perhatian dan alternatif cara untuk menjual hasil tangkapan lautnya.
The Moderating Effect of Religiosity on Fashion Uniqueness and Consciousness in Halal Fashion Purchase Yudha, Ana Toni Roby Candra; Huda, Nurul; Maksum, Maksum; Sherawali, Sherawali; Wijayanti, Ida
Indonesian Journal of Halal Research Vol 6, No 2 (2024): August
Publisher : UIN Sunan Gunung Djati Bandung

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.15575/ijhar.v6i2.34614

Abstract

The Islamic fashion model in Indonesia continues to evolve in line with the increasing Muslim population. However, there is limited research on consumer perceptions and the role of religiosity in the context of halal fashion products. This research aims to investigate the influence of fashion uniqueness and consciousness on halal fashion purchase behavior with religiosity as a moderating variable. Halal fashion in this research emphasizes halal product standards in fashion. This research used a quantitative approach through a survey targeting Millennials and Gen Z individuals. A total of 186 respondents were obtained, deemed valid and complete. Additionally, this study used SemPLS-3 to validate hypotheses and evaluate the model. This analysis is considered appropriate as it can test several variable relationships simultaneously or in multivariate analysis. The findings of this study show that halal fashion purchase behavior is influenced by fashion uniqueness and consciousness. Both factors have a positive influence on halal fashion purchase behavior. However, religiosity does not impact halal purchase behavior, nor does it moderate the role of fashion uniqueness and consciousness variables on halal purchase behavior. It suggests that decisions to purchase halal fashion are more influenced by fashion uniqueness and awareness of its halal status rather than individual religiosity levels. This research highlights the need for a deeper understanding of consumer behavior in relation to religiosity and halal fashion, contributing to the fields of economics and social sciences.
Does Religiosity Mediate Gen Z’s Cosmetic Product Purchase Decisions? Yudha, Ana Toni Roby Candra; Haryono, Slamet
Journal of Finance and Islamic Banking Vol. 6 No. 1 (2023)
Publisher : Universitas Islam Negeri Raden Mas Said Surakarta

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.22515/jfib.v6i1.7768

Abstract

The size of the Gen Z segmentation, which reaches a range of 40 per cent in 2045 and the tendency to consume halal products, and the role of religiosity are interesting studies to be studied. With regard to this, the stimulus-organism-response (SOR) model is needed to see and analyse the credibility of the influncer and the role of religiosity in mediating the decision to purchase cosmetic products. This study was conducted with a quantitative approach of SemPLS method, with 100 respondents, most of whom are gen Z. This study found that the model obtained was valid, but the position of religiosity did not mediate the credibility of endorsers, popularity, and business ethics on purchasing decisions for cosmetic products. This is considered reasonable, considering that consumers use more rationality in deciding their purchases. In addition, the popularity, attractiveness, and credibility of endorsers increase the decision to purchase cosmetic products. Of course, in accordance with the findings, valuable input can be provided, especially in the halal beauty industry to continue to educate with improved marketing strategies and contribute to the theoretical literature of management and marketing science.
MOTIVASI AWARDEE BEASISWA BADAN AMIL ZAKAT NASIONAL (BAZNAS) YANG BERPERAN DALAM KAMPANYE INOVATIF KEUANGAN SOSIAL ZAKARIYA, NOVIE ANDRIYANI; YUDHA, ANA TONI ROBY CANDRA
Al-Masraf: Jurnal Lembaga Keuangan dan Perbankan Vol 9, No 2 (2024): Juli - Desember 2024
Publisher : Prodi Manaj. Perbankan Syariah Fakultas Ekonomi dan Bisnis Islam – UIN Imam Bonjol Padang

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.15548/al-masraf.v9i2.1081

Abstract

Tujuan studi ini adalah untuk mengetahui pengaruh motivasi awardee beasiswa badan amil zakat nasional (BAZNAS) terhadap upaya kampanye inovatif program BAZNAS. Metode yang dipakai adalah studi survey yang ditujukan kepada para awardee, yang didominasi kalangan Milenial dan Gen Z. Responden yang diperoleh sebanyak 124 responden yang dinyatakan valid dan lengkap. Selain itu, studi ini menggunakan SemPLS untuk memvalidasi hipotesis dan mengevaluasi model. Hasil penelitian ini menemukan bahwa sikap ketertarikan (attitude behavior) para awardee berpengaruh terhadap niat mereka dalam mendukung program filantropi BAZNAS. Secara keseluruhan, temuan dari kelima hipotesis studi  ini menunjukkan bahwa upaya para awardee, baik dalam perilaku sosial, kreativitas, inovasi, maupun peningkatan pendapatan, secara umum mendukung kegiatan kampanye sosial yang diselenggarakan oleh BAZNAS. Sejalan dengan hasil dan analisis, studi ini berimplikasi bahwa perlu terus adanya peningkatan peran para awardee dalam kampanye inovatif BAZNAS agar dapat meningkatkan efektivitas program flantropi melalui inovasi, kreasi, dan perilaku sosial mereka di tengah masyarakat.
The Moderating Effect of Religiosity on Fashion Uniqueness and Consciousness in Halal Fashion Purchase Yudha, Ana Toni Roby Candra; Huda, Nurul; Maksum, Maksum; Sherawali, Sherawali; Wijayanti, Ida
Indonesian Journal of Halal Research Vol. 6 No. 2 (2024): August
Publisher : UIN Sunan Gunung Djati Bandung

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.15575/ijhar.v6i2.34614

Abstract

The Islamic fashion model in Indonesia continues to evolve in line with the increasing Muslim population. However, there is limited research on consumer perceptions and the role of religiosity in the context of halal fashion products. This research aims to investigate the influence of fashion uniqueness and consciousness on halal fashion purchase behavior with religiosity as a moderating variable. Halal fashion in this research emphasizes halal product standards in fashion. This research used a quantitative approach through a survey targeting Millennials and Gen Z individuals. A total of 186 respondents were obtained, deemed valid and complete. Additionally, this study used SemPLS-3 to validate hypotheses and evaluate the model. This analysis is considered appropriate as it can test several variable relationships simultaneously or in multivariate analysis. The findings of this study show that halal fashion purchase behavior is influenced by fashion uniqueness and consciousness. Both factors have a positive influence on halal fashion purchase behavior. However, religiosity does not impact halal purchase behavior, nor does it moderate the role of fashion uniqueness and consciousness variables on halal purchase behavior. It suggests that decisions to purchase halal fashion are more influenced by fashion uniqueness and awareness of its halal status rather than individual religiosity levels. This research highlights the need for a deeper understanding of consumer behavior in relation to religiosity and halal fashion, contributing to the fields of economics and social sciences.
When the Sacred Meets the Market: The Commodification of Islamic Housing in Lima Puluh Kota, West Sumatra Putra, Muhammad Deni; Rofiki, Akhmad; Yudha, Ana Toni Roby Candra; Riyadi, Ivan; Fadilla, Siti
Journal of Islamic Law Vol. 6 No. 1 (2025): Journal of Islamic Law
Publisher : Institut Agama Islam Negeri (IAIN) Pontianak

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.24260/jil.v6i1.3539

Abstract

This study examines the commodification of religion and structural tensions in Islamic housing finance in Lima Puluh Kota, West Sumatra, Indonesia. Despite its rapid growth, Islamic housing frequently encounters a paradox between religious claims and market logic, where Islamic symbols are leveraged as marketing strategies rather than ensuring substantive justice. This article analyzes the factors driving middle-class Muslim preferences for Islamic housing and the power imbalances between developers and consumers in Sharīʿah-compliant transactions. Employing a socio-legal qualitative approach, the research draws on in-depth interviews with 10 stakeholders (developers and buyers) and an analysis of contractual documents and promotional materials from the Perumahan Syariah Residence. Three primary motivations for purchasing emerge: religious adherence (particularly usuryavoidance), economic considerations (flexible payment schemes), and the preference for religiously homogeneous communities. However, the findings reveal critical tensions: while istisnāʿ (manufacture-sale) contracts disproportionately burden developers with financial risks, ijārah muntahiyah bi tamlīk (lease-to-own) arrangements often marginalize consumers’ legal standing. The Islamic label frequently functions as a branding tool rather than a guarantee of justice, reinforcing spatial segregation among middle-class Muslims. This study argues that without business model reformulation and regulatory oversight, Islamic housing risks prioritizing commercial interests over the principles of maqāṣid al-sharīʿah (the objectives of Islamic law). The findings underscore the necessity of standardized contracts and risk mitigation mechanisms to align practice with Islamic values. [Artikel ini mengkaji fenomena komodifikasi agama dan ketegangan struktural dalam pembiayaan perumahan syariah di Lima Puluh Kota, Sumatera Barat, Indonesia. Meskipun mengalami pertumbuhan pesat, praktik perumahan syariah kerap terjebak dalam paradoks antara klaim religiositas dan logika pasar, di mana simbol-simbol Islam dimanfaatkan sebagai strategi pemasaran tanpa disertai dengan implementasi keadilan substantif. Studi ini bertujuan untuk menganalisis faktor-faktor yang mendorong preferensi kelas menengah Muslim terhadap perumahan syariah serta ketimpangan relasi kuasa antara pengembang dan konsumen dalam transaksi berbasis syariah. Penelitian ini menggunakan pendekatan kualitatif sosio-legal dengan mengumpulkan data primer melalui wawancara mendalam terhadap 10 informan (pengembang dan pembeli), serta analisis dokumen kontrak dan materi promosi dari Perumahan Syariah Residence di Sumatera Barat. Hasil penelitian mengungkap tiga motif utama pembelian: kepatuhan religius (khususnya penghindaran riba), pertimbangan ekonomi (skema pembayaran yang fleksibel), dan preferensi terhadap lingkungan yang homogen secara agama. Namun, akad syariah yang digunakan dalam transaksi perumahan ini justru menciptakan risiko yang tidak seimbang. Akad istisnāʿ membebani pengembang dengan risiko finansial yang tinggi, sementara akad ijārah muntahiyah bi tamlīk berpotensi meminggirkan posisi hukum konsumen sepanjang masa sewa. Selain itu, label syariah dalam industri ini sering kali berfungsi sebagai alat pemasaran daripada sebagai jaminan keadilan substantif, yang pada akhirnya memperkuat segregasi spasial dalam komunitas Muslim kelas menengah. Studi ini berargumen bahwa tanpa reformulasi model bisnis dan pengawasan regulasi yang lebih ketat, perumahan syariah berisiko mengorbankan prinsip maqāṣid al-sharīʿah demi kepentingan komersial. Oleh karena itu, diperlukan standarisasi kontrak dan mekanisme mitigasi risiko yang lebih efektif guna memastikan keselarasan antara praktik perumahan syariah dengan nilai-nilai Islam.]
Wage sale and purchase practices among agricultural workers in Curup, Bengkulu: A Maqasid of Shariah perspective on economic justice and wealth protection‎ Arifin, Rahman; Syaputra, Ahmad Danu; Triyanto, Andi; Muharir, Muharir; Saifudin, Ahmad; Samawi, Mohammad Wirmon; Yudha, Ana Toni Roby Candra
Journal of Islamic Economics Lariba Vol. 11 No. 1 (2025)
Publisher : Universitas Islam Indonesia

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.20885/jielariba.vol11.iss1.art14

Abstract

IntroductionWage trading, a practice where agricultural workers sell their future wages before receiving them—often at a reduced value—has become prevalent in the farming communities of Curup, Bengkulu. Although rooted in mutual agreement, this system raises critical ethical and legal questions regarding its alignment with Islamic economic principles, especially those outlined in the framework of Maqashid Shariah, which emphasizes justice and the protection of property.ObjectivesThis study aims to analyze the wage sale and purchase system through the lens of Maqashid Shariah, particularly focusing on whether such practices fulfill the objectives of wealth protection and social justice or contribute to economic exploitation and uncertainty among vulnerable workers.MethodUsing a qualitative case study approach, this research collected primary data through interviews with agricultural workers engaged in wage trading in Curup, Rejang Lebong, and Bengkulu. Secondary data were obtained from Islamic jurisprudence literature on Maqashid Shariah. The analysis applies the five core principles of Maqashid Shariah to evaluate the implications of deferred wage payments and wage sales.ResultsFindings indicate that although wage deferral is seen as a cooperative tradition, it often places workers at risk of financial instability, compelling them to sell their wages at unfair prices. This practice undermines the principle of property protection (hifz al-mal) and the protection of life (hifz an-nafs). It also contradicts the ideals of justice and welfare that Maqashid Shariah promotes. The study emphasizes that the presence of mutual consent does not automatically legitimize practices that may harm the economically disadvantaged.ImplicationsThe analysis suggests that reforms are needed to make wage systems more just and compliant with Islamic economic values. These include timely wage payments and the provision of Sharia-based financial alternatives to prevent exploitation. Educating communities about their economic rights within the Maqashid framework can also foster more ethical labor practices.Originality/NoveltyThis study contributes a unique perspective by applying Maqashid Shariah to assess the socio-economic impact of wage trading. It addresses a rarely examined issue in Islamic economic discourse and offers practical recommendations to bridge the gap between traditional practices and Islamic legal objectives.
Implementation of Sharia Marketing to increase Millennial Interest in Financing: Evidence on BSI Dharmawangsa Branch Office Yudha, Ana Toni Roby Candra; Zulfiah, Hilya; Atho'illah, Akh. Yunan
Etihad: Journal of Islamic Banking and Finance Vol. 4 No. 1 (2024)
Publisher : UIN Kiai Ageng Muhammad Besari Ponorogo

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.21154/etihad.v4i1.8583

Abstract

Bank Syariah Indonesia (BSI provides BSI Griya Simuda financing that has been tailored to the needs and abilities of the millennial generation. Marketing carried out in Islamic financing must be in accordance with the provisions of Islamic sharia. So this research aims to find out the implementation and evaluation of online and offline sharia marketing in increasing millennial interest in financing of BSI Griya Simuda.. Research Methods: This research approach uses a qualitative approach, by analysing data obtained from interviews, observation and documentation. Results:  The results of this research show that in marketing BSI Griya Simuda financing in managerial and operational had carried out online and offline have applied the principles of sharia marketing and the characteristics of sharia marketing, namely theistic (rabbaniyyah), ethical (akhlaqiyyah), realistic (al-waqiyyah) and humanitis (al-insaniyah). Conclusion:Then the results of the evaluation found that the millennial generation's interest in BSI Griya Simuda financing is good, but in marketing there are obstacles and challenges, namely there are still efforts to compare conventional banks with Islamic banks in terms of prices and products. 
Co-Authors Abdul Hakim Achmad Room Fitrianto Agus Afandi Ahmad Danu Syaputra, Ahmad Danu Ahmad Saifudin, Ahmad Ajeng Tita Nawangsari Alfadia Fitri Aini Alfin Maulana Amalia Yustika Andaru Rachmaning Dias Prayitno Andi Triyanto Ani Fatmawati Anisa Fadilah Zustika Arifin, Rahman Arista, Setia Rini Astuti, Setyani Agung Dwi Atho'illah, Akh. Yunan Atho'illah, Akhmad Yunan Aulia, Fa'iqotur Azhar, Masyhuri Dharmawan, Ferry Dikuraisyin, Basar Dusturiya, Nyda Eka Mega Pertiwi Erly Erlian Kurniawati Fadilla, Siti Fauziah, Nailatin Febriyanti, Novi Habibah Awwaliah Habibi, M. Lutfillah Hammis Syafaq Handila Rizka Himami, Fatikul Ivan Riyadi, Ivan Izzuddin M. Afif Junjunan, Mochammad Ilyas Kafabih, Abdullah Kartika, Akbar Pratama Lathoif Ghozali, Muhammad LATIF, SALWA SABRINA Maghfiroh, Aulya Putri Maksum Maksum Masrufa, Nur Maziyah Mazza Basya Mochammad Andre Agustianto Mohamad Yusak Anshori Muharir, Muharir Mutia Hendarti, Alvina Novia Putri Artanti Nurlailah Nurlailah Nurul Huda Pradessari, Alda Putra, Muhammad Deni Ratna Indah Lestari Rianto Anugerah Wicaksono Rina Ramadhani Rizqa Rahmaddina Rofiki, Akhmad Rofiqoh, Isnaini Rosidhah, Nafi Ngatur Samawi, Mohammad Wirmon Saputra, Gery Akbar Sarker, Md Atiqur Rahman Septiani, Arinda Sherawali Sherawali Sherawali, Sherawali Slamet Haryono Sri Wigati Sugiyanto Sugiyanto Sukoco, Anton Syahruddin Syahruddin Syarifudin Syarifudin Vinka Alysia Wahid, Muhammad Ilham Wijayanti, Ida WULANDARI, TIFFANI AYU Yalina, Nita Yayan Firmansah ZAKARIYA, NOVIE ANDRIYANI Zakiyatul Fakhiroh Zulfiah, Hilya