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THE INFLUENCE OF INTELLECTUAL CAPITAL ON RETURN ON ASSETS AND RETURN ON EQUITY SHARIA RURAL BANK 2015 – 2017 PERIOD Qori Naufallita; Achsania Hendratmi
Jurnal Ekonomi dan Bisnis Islam | Journal of Islamic Economics and Business Vol. 5 No. 2 (2019): JULY-DECEMBER 2019
Publisher : Universitas Airlangga

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.20473/jebis.v5i2.11787

ABSTRACT Purpose of this study is to determine the effect of Human Capital Efficiency, Capital Employed Efficiency, and Structural Capital Efficiency on Return On Assets and Return On Equity of Islamic Rural Banks period 2015-2017. This study uses a quantitative approach. Sampling technique is purposive sampling and there were 24 Islamic Rural Banks in Indonesia as subject of research. Analysis technique used is Panel Data Analysis.The results of this study indicate that CEE has a significant positive effect on ROA. Whereas HCE and SCE have no effect on ROA. Simultaneously HCE, CEE and SCE have a significant positive effect on ROA. In addition, the results of this study indicate that HCE and CEE have a significant positive effect on ROE, both partially and simultaneously.ABSTRAKPenelitian ini bertujuan untuk mengetahui pengaruh Human Capital Efficiency (HCE), Capital Employed Efficiency (CEE) dan Structural Capital Efficiency (SCE) pada Return On Assets dan Return On Equity Bank Pembiayaan Rakyat Syariah periode 2015-2017. Penelitian ini menggunakan pendekatan kuantitatif. Pengambilan sampel menggunakan purposive sampling dan terdapat 24 BPRS yang menjadi subyek penelitian. Teknik analisis menggunakan analisis Regresi Data Panel.Hasil penelitian menunjukkan CEE berpengaruh signifikan positif terhadap ROA. Sedangkan HCE dan SCE tidak berpengaruh terhadap ROA Secara simultan HCE, CEE dan SCE berpengaruh signifikan positif terhadap ROA. Selain itu, hasil penelitian ini menunjukkan bahwa HCE dan CEE berpengaruh signifikan positif terhadap ROE, baik itu secara parsial maupun simultan.

Impact Of Income On Consumption Behavior Of Urban Muslim Community In Kediri City (Case Study at Bandar Kidul Village Kecamatan Mojoroto Kediri) Siti Nur Mahmudah; Tika Widiastuti; Achsania Hendratmi
Ekonomi Islam Vol. 9 No. 1 (2018): Jurnal Ekonomi Islam (MEI)
Publisher : Universitas Muhammadiyah Prof Dr Hamka

Show Abstract | Download Original | Original Source | Check in Google Scholar | Full PDF (448.511 KB)

The income of the Muslim community in the village of Bandar Kidul Kecamatan Mojoroto Kediri is mostly a woven cloth businessman who became the livelihood for the Muslim community in Bandar Bandar Kidul. This effort has been fostered by Bank Indonesia which is the Central Bank which is very supportive of this ikat business. Most of the Muslim community's income in Bandar Bandar Kidul comes from ikat business. When the ikat orders surged high, the income of the community will also increase and affect the consumption behavior of the Muslim community in the village of Bandar Kidul Kecamatan Mojoroto Kediri. This research uses the descriptive qualitative method with case study research strategy. Methods of data collection using interview method. Interviews were conducted with eight informants, namely ikat weaving businessmen and caretakers of pesantren huts. Based on the results of the study, the researcher can conclude that income has a very big impact on consumption behavior of urban Muslim community in the village of Bandar Kidul Kecamatan Mojoroto Kediri with some indicators namely; The first indicator with the amount of expenditure, the second indicator with the indicator of Islamic consumption, and the third indicator is the indicator of need fulfillment. Of the three indicators above can be seen that income has a positive impact on the consumption behavior of urban Muslim communities in the village of Bandar Kidul Kecamatan Mojoroto Kediri. This is evidenced by the amount of expenditure that is adjusted to the income, pay attention to the goods consumed for halal and thayyib and not extravagant and exaggerated, the fulfillment of income-adjusted needs.

THE ROLE OF CROWDFUNDING BASED DONATION MECHANISM IN AL-QUR’AN EDUCATION DEVELOPMENT Uci Wulansari; Achsania Hendratmi
Airlangga Journal of Innovation Management Vol. 2 No. 1 (2021): Airlangga Journal of Innovation Management
Publisher : Universitas Airlangga

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.20473/ajim.v2i1.26630

Crowdfunding mechanism in fundraising activities has experienced rapid development these recent years in various parts of the world. This requires philanthropic institutions to make digital innovations in their fundraising activities. This study aims to determine the role of crowdfunding-based donation mechanism in the advancement of Al-Qur'an education with a case study of tabungamal.id platform. The research method used is a qualitative approach with an explanatory case study method. Data collection techniques using direct interviews and observation. The mechanism of tabungamal.id was identified based on crowdfunding intermediaries function proposed by Philipp Haas et al, namely lot size transformation, risk transformation, and information transformation. The results of this study indicate that crowdfunding-based donation mechanism at tabungamal.id has roles in advancing Al-Qur'an education, including reducing education disparities between economic classes and regions, supporting innovation in Al-Qur'an learning, and increasing community participation in advancement of Al-Qur'an education. These findings can be implemented by Islamic philanthropic institutions in developing a crowdfunding-based donation mechanism to optimize role of Islamic philanthropic institutions in digital era.

The Influence of Credit Quality, Strong Tie and Bridge Tie on the Firm Performance: Mediating Effect of Supply Chain Management a Zain Nahdi Baldina; Achsania Hendratmi
International Journal of Supply Chain Management Vol 9, No 4 (2020): International Journal of Supply Chain Management (IJSCM)
Publisher : International Journal of Supply Chain Management

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The foremost purpose of the present study is to analyze the impact of credit quality, strong tie and bridge tie on the performance of Islamic banks in Indonesia. The goal of the current study also shows the investigation of the mediating role of supply chain management among the links of credit quality, strong tie, bridge tie and performance of Islamic banks in Indonesia. The data has been obtained by using the questionnaire method and smart-PLS has been executed for analysis. The results revealed that credit quality and strong tie has positively linked with the performance of Islamic banks in Indonesia. The results also exposed that supply chain management positively mediating among the links of credit quality, strong tie, bridge tie and performance of Islamic banks in Indonesia. These findings provided suitable grounds to the new studies who want to investigate this area in future along with the policymakers who develop the policies related to the supply chain and firm performance.

Assessing Halal Awareness and Lifestyle on Decisions to Stay at Sharia Hotels Linda Dewi Martiasari; Achsania Hendratmi
Jurnal Ekonomi Syariah Teori dan Terapan Vol. 9 No. 4 (2022): Juli-2022
Publisher : Universitas Airlangga

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.20473/vol9iss20224pp523-533

ABSTRAK Penelitian ini dikembangkan untuk menganalisa faktor yang mempengaruhi keputusan menginap seorang konsumen muslim terhadap Hotel Syariah. Pengambilan data dilakukan pada tahun 2021 dengan 200 responden dengan menggunakan metode purposive sampling. Dari hasil analisa regresi berganda halal awareness dan lifestyle seorang konsumen muslim berpengaruh signifikan dengan keputusan menginap di Hotel Syariah. Dengan demikian, penelitian ini mengungkapkan pentingnya para pelaku bisnis Hotel Syariah untuk menyusun strategi yang sesuai dengan halal awareness dan lifestyle pasar sasaran seorang konsumen muslim. Kata Kunci: Halal awareness, lifestyle, keputusan pembelian, Hotel Syariah. ABSTRACT This study was developed to analyze the factors that influence the decision to stay at a sharia hotel consumer. Data collection was carried out in 2021 with 200 respondents using the purposive sampling method. From the results of multiple regression analysis, halal awareness and lifestyle of a Muslim consumer have a significant effect on the decision to stay at a sharia hotel. Thus, this study reveals the importance of sharia hotel business players to develop strategies that are in accordance with halal awareness and the lifestyle of the target market of Muslim consumers. Keywords: halal awareness, lifestyle, decision to stay, sharia hotel. DAFTAR PUSTAKA Ahmad, N. A., Abaidah, T. N. T., & Yahya, M. H. A. (2013). A study on halal food awareness among Muslim customers in Klang Valley. Proceedings 4th International Conference on Business and Economic Research, 1073–1087. Alam, S. S., Rohani M., & Hisham, B. (2011). Is religiosity an important determinant on Muslim consumer behaviour in Malaysia? Journal of Islamic Marketing, 2(1), 83-96. https://doi.org/10.1108/17590831111115268 Amarul, A., Sukirno, S., & Kurnia, D. (2019). Understanding the awareness of the importance of halal labels to business actors based on range of long business variations. Business and Management Research, 8(1), 17-21. http://dx.doi.org/10.5430/bmr.v8n1p17 Ambali, A. R., & Bakar, A. N. (2013). Halal food andproducts in Malaysia: People's awareness and policy implications. Intellectual Discourse, 21(1), 7-32. Awan, H. M., Siddiquei, A. N., & Haider, Z. (2015). Factors affecting halal purchase intention–evidence from Pakistan’s halal food sector. Management Research Review, 38(6), 640-660. https://doi.org/10.1108/MRR-01-2014-0022 Azam, A. (2016). An empirical study on non-muslim’s packaged halal food manufacturers: Saudi Arabian consumers’ purchase intention. Journal of Islamic Marketing, 7(4), 441-460. https://doi.org/10.1108/JIMA-12-2014-0084 BPS. (2019). Statistik hotel dan akomodasi lainnya di Indonesia 2018. 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Muslim consumers’ purchase behavior towards shariah compliant hotels in Malaysia. Vidyodaya Journal of Management, 5(1), 121-138. https://doi.org/10.31357/vjm.v5i1.3918. Kotler, P., & Keller, K. L. (2012). Manajemen pemasaran. Jakarta: Erlangga. Kotler, P., & Keller, K. L. (2016). Marketing management. London: Pearson Education, Inc. Kotler, P. (2008). Manajemen pemasaran. Jakarta: Indeks. Kotler, P. (2014). Manajemen pemasaran. Jakarta: Prenhalindo. Lutfi, B. A. (2020). Analisis faktor yang memengaruhi preferensi konsumendalam memilih hotel berbasis syariah di kota Malang. Jurnal Ilmiah Mahasiswa FEB, 8(2), 1-11. Mohamed, Z. Rezai, G., Shamsudin, M. N., & Chiew, F. C. E. (2008). Halal logo and consumers’ confidence: What are the important factors. Economic Technology Management Review, 3, 37-45. Mokoagouw, M. L. (2016). Pengaruh lifestyle, harga, kualitasproduk terhadap keputusan pembelian handphone samsung di samsung mobile IT center Manado. Jurnal Berkala Ilmiah Efisiensi, 16(1), 493-502. Mowen, J., & Minor, M. (2002). Perilaku konsumen. Jakarta: Erlangga. Muslichah, M., Abdullah, R., & Razak, L. A. (2019). The effect of halal foods awareness on purchase decision with religiosity as a moderating variable: A study among university students in Brunei Darussalam. Journal of Islamic Marketing, 11(5), 1091-1104. https://doi.org/10.1108/JIMA-09-2017-0102 Muthoifin. (2015). Fenomena maraknya hotel syariah: Studi efektifitas, existensi, dan kesyariahan Hotel Syariah di surakarta. Prosiding University Research Colloquium, 93-106. Nitisusastro, M. (2012). Perilaku konsumen dalam perspektif kewirausahaan. Bandung: Alfabeta. Nurcahyo, A., & Hudrasyah, H. (2017). The influence of halal awareness, halal certification, and personal societal perception toward purchase intention: a study of instant noodle consumption of college student in Bandung. Journal of Business and Management, 6(1), 21-31. Nurhayati, T., & Hendar, H. (2019). Personal intrinsic religiosity and product knowledge on halal product purchase intention: Role of halal product awareness. Journal of Islamic Marketing, 11(3), 603-620. https://doi.org/10.1108/JIMA-11-2018-0220 Pektaş, F. (2018). The effect of lifestyle on the demand for alternative tourism. Uluslararası Yönetim İktisat ve İşletme Dergisi, 14(1), 187-198. http://dx.doi.org/10.17130/ijmeb.2018137581 Rachmawati, E., Suliyanto, & Suroso, A. (2020). A moderating role of halal brand awareness to purchase decision making. Journal of Islamic Marketing, 13(2), 542-563. https://doi.org/10.1108/JIMA-05-2020-0145 Rahardi, N., & Wiliasih, R. (2016). Analisis faktor-faktor yang mempengaruhi preferensi konsumen terhadap hotel syariah. Jurnal Syarikah: Jurnal Ekonomi Islam, 2(1), 180-192. https://doi.org/10.30997/jsei.v2i1.293 Rozalinda. (2014). Ekonomi Islam. Jakarta: Raja Grafindo. Saputra, N., & Tresnati, R. (2020). 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Perilaku konsumen: Pemahaman dasar dan aplikasinya dalam strategi pemasaran. Bali: Universitas Udayana Bali. Swidi, A., Cheng, W., Hassan, M. G., Al-Hosam, A., & Mohd Kassim, A. W. (2010). The mainstream cosmetics industry in Malaysia and the emergence, growth, and prospects of halal cosmetics. Proceedings of Third International Conference on International Studies, 1-20. Yunus, N. S. N. M., Rashid, W. E. W., Ariffin, N. M., & Rashid, N. M. (2014). Muslim's purchase intention towards non-Muslim's Halal packaged food manufacturer. Procedia-Social and Behavioral Sciences, 130, 145-154.

The Effect of Celebrity Endorser and Content Marketing on Purchase Intention of Fashion Muslim Fauziyah Putri; Achsania Hendratmi
Jurnal Ekonomi Syariah Teori dan Terapan Vol. 9 No. 5 (2022): September-2022
Publisher : Universitas Airlangga

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.20473/vol9iss20225pp672-680

ABSTRAK Halal fashion saat ini menjadi salah satu sektor yang diminati konsumen di Indonesia. Mayoritas penduduk Indonesia yang merupakan muslim menjadikan pangsa pasar industri fashion Muslim sangat besar. Permintaan produk fashion muslim semakin tinggi karena kesadaran perempuan Muslim dalam menutup aurat juga sudah tinggi. Apalagi, konsumen saat ini suka melihat fashion influencer di sosial media seperti Instagram. Serta penggunakan content marketing yang menarik juga mempengaruhi konsumen untuk membeli sebuah produk. Penjualan produk fashion muslim semakin mudah diakses konsumen dengan andanya media digital untuk melihat dan bertransaksi. Tujuan penelitian ini adalah untuk melihat pengaruh pendukung selebriti dan pemasaran konten. Penelitian ini menggunakan metode kuantitatif. Dengan teknik data yaitu kuisioner yang disebarkan secara online kepada 100 responden perempuan muslim yang pernah mengakses platform online brand fashion muslim Vanilla Hijab. Teknik analisis yang digunakan dalam penelitian ini yaitu regresi linier berganda. Hasil dari penelitian ini menunjukkan celebrity endorser memiliki pengaruh positif signifikan terhadap niat beli, dan konten pemasaran juga memiliki pengaruh positif signifikan terhadap niat beli toko online fashion Vanilla Hijab. Kata-Kunci: Celebrity Endorser, Content Marketing, Purchase Intention, Fashion Muslim. ABSTRACT Halal fashion is currently one of the sectors that consumers in Indonesia are interested in. The majority of Indonesia's population who are Muslim makes the market share of the Muslim fashion industry very large. The demand for Muslim fashion products is getting higher because the awareness of Muslim women in covering their genitals is high. Moreover, consumers today like to see fashion influencers on social media like Instagram. And the use of attractive content marketing also influences consumers to buy a product. The sale of Muslim fashion products is increasingly accessible to consumers by relying on digital media to view and transact. The purpose of this study was to examine the influence of celebrity supporters and content marketing. This research uses quantitative methods. With the data technique, namely a questionnaire distributed online to 100 Muslim female respondents who have accessed the online platform for the Muslim fashion brand Vanilla Hijab. The analysis technique used in this study is multiple linear regression. The results of this study indicate celebrity endorsers have a significant positive effect on purchase intention, and marketing content also has a significant positive effect on purchase intention of Vanilla Hijab fashion online shop. Keywords: Celebrity Endorser, Content Marketing, Purchase Intention, Fashion Muslim. DAFTAR PUSTAKA Abbas, A., Afshan, G., & Khan, S. B. (2018). The effect of celebrity endorsement on customer purchase intention: A comparative study predictors and consequences of human resource outsourcing view project internal marketing view project. Current Economics and Management Research, 4(1), 1–10. Abdurrahim, A., & Sangen, M. (2019). Pengaruh content marketing, sales promotion, personal selling, dan advertising terhadap minat beli konsumen pada hotel biuti di Banjarmasin. Jurnal Sains Manajemen Dan Kewirausahaan, 3(1), 42–47. http://ppjp.ulm.ac.id/journal/index.php/jsmk Andreas, R. (2013). The big book of content marketing: Use Strategies and SEO Tactics to Build Return-Oriented KPIs for Your Brand's Content. Andreas.com. Audia, D. S., Jayawinangun, R., & Ferdinan, F. (2018). Pengaruh celebrity endorser terhadap minat pembelian produk Aidi.Id (Studi pada followers instagram Aidi.Id). Jurnal Penelitian Sosial Ilmu Komunikasi, 3(1), 76–95. https://doi.org/10.33751/jpsik.v3i1.1012 Badan Pusat Statistik. (2016). No Title. https://se2016.bps.go.id/umkumb/ Bappenas. (2019). Ekonomi Syariah Indonesia 2019-2024. Jakarta: Bappenas. Belch, G. E., & Belch, M. A. (2009). Advertising and promotion: An integrated marketing communications perspective. New York: McGraw-Hill Education. Calesta, K. (2018, October 24). Daftar online shop hijab & modest wear terbaik 2018. Retrieved from https://www.cosmopolitan.co.id/article/read/10/2018/14864/daftar-online-shop-hijab-modest-wear-terbaik-2018 Chetioui, Y., Benlafqih, H., & Lebdaoui, H. (2020). How fashion influencers contribute to consumers’ purchase intention. Journal of Fashion Marketing and Management, 24(3), 361–380. https://doi.org/10.1108/JFMM-08-2019-0157 Delener, N. (1994). Religious contrasts in consumer decision behaviour patterns: Their dimensions and marketing implications. European Journal of Marketing, 28(5), 36–53. https://doi.org/10.1108/03090569410062023 Duranto, D., & Liana, C. (2004). Analisis efektivitas iklan televisi softener soft & fresh di Jakarta dan sekitarnya dengan menggunakan consumen decision model. Jurnal Ekonomi Perusahaan, 11(1), 35–55. Ferdinand, A. (2002). Structural equation modelling dalam penelitian manajemen. Semarang: Badan Penerbit Universitas Diponegoro. Gao, D. (2018). Research on the influencing factors of customer’s purchase intention in the context of content marketing. Proceedings of the 2018 2nd International Conference on Education Science and Economic Management (ICESEM 2018), 1184–1189. https://doi.org/10.2991/icesem-18.2018.277 Joe, P. (2009). What Is Content Marketing?. Retrieved from https://contentmarketinginstitute.com/ what-is-content-marketing/ Kim, J., Kang, S., & Lee, K. H. (2020). How social capital impacts the purchase intention of sustainable fashion products. Journal of Business Research, 117(November 2017), 596–603. https://doi.org/10.1016/j.jbusres.2018.10.010 Lapod, A. C. (2020, October 28). Belajar dari CEO Vanilla Hijab, cara mulai bisnis fashion dengan modal kecil. Retrieved from https://kumparan.com/kumparanwoman/belajar-dari-ceo-vanilla-hijab-cara-mulai-bisnis-fashion-dengan-modal-kecil-1uTjF96VapG/full Lee, J., & Lee, J. N. (2015). How purchase intention consummates purchase behaviour: The stochastic nature of product valuation in electronic commerce. Behaviour and Information Technology, 34(1), 57–68. https://doi.org/10.1080/0144929X.2013.853837 Lu, L. C., Chang, W. P., & Chang, H. H. (2014). Consumer attitudes toward blogger’s sponsored recommendations and purchase intention: The effect of sponsorship type, product type, and brand awareness. Computers in Human Behavior, 34, 258–266. https://doi.org/10.1016/j.chb.2014.02.007 Phua, J., Lin, J. S. (Elaine), & Lim, D. J. (2018). Understanding consumer engagement with celebrity-endorsed E-Cigarette advertising on instagram. Computers in Human Behavior, 84(March), 93–102. https://doi.org/10.1016/j.chb.2018.02.031 Pusat Pengkajian dan pengembangan Ekonomi Islam. (2008). Ekonomi Islam. Jakarta: PT Raja Grafindo Persada. Rocha, P. I., Caldeira de Oliveira, J. H., & Giraldi, J. d. M. E. (2019). Marketing communications via celebrity endorsement: an integrative review. Benchmarking, 27(7), 2233–2259. https://doi.org/10.1108/BIJ-05-2018-0133 Royan, F. M. (2004). Marketing selebrities (Selebriti dalam iklan dan strategi selebriti memasarkan diri sendiri). Jakarta: PT Elex Media Komputindo. Schaefer, M. (2016). Learn to create effective content by putting it through the RITE test. Retrieved from https://businessesgrow.com/2016/12/08/create-effective-content/ Seock, Y. K., & Norton, M. (2007). Attitude toward internet web sites, online information search, and channel choices for purchasing. 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Moslem Millennials Donor Intention Through Donation-Based Crowdfunding in Indonesia Moh. Helmy Najih Ramadhan; Achsania Hendratmi
Jurnal Ekonomi Syariah Teori dan Terapan Vol. 10 No. 1 (2023): Januari-2023
Publisher : Universitas Airlangga

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.20473/vol10iss20231pp41-56

ABSTRACT: The existence of donation-based crowdfunding as an alternative fundraising system in Indonesia has a great opportunity to keep growing. The millennials as a digitally-native generation should actively contribute to the development of donation-based crowdfunding. This study tries to identify the effect of the variables of performance expectancy, effort expectancy, social influence, facilitating conditions, sense of trust, and experience expectation on the intention to donate donation-based crowdfunding by the Muslim millennials in Indonesia. Respondents who were analyzed were 156 people who were selected using purposive sampling and tested using SmartPLS. The results showed that Social Influence, Sense of Trust, and Experience Expectation had a positive influence on Intention to donate to donation-based crowdfunding. However, a test of Performance Expectancy, Effort Expectancy, and Facilitating Conditions shows that there are different findings. The data presented in this study is expected to add new perspectives for relevant stakeholders to develop donation-based crowdfunding in Indonesia. Keywords: Donation-based Crowdfunding, Moslem Millennials, Partial Least Square, Donation. ABSTRAK: Kehadiran donation-based crowdfunding sebagai alternatif sistem penggalangan dana di Indonesia memiliki peluang yang besar untuk terus berkembang. Generasi milenial sebagai generasi yang terbiasa dengan teknologi seyogyanya berperan aktif dalam perkembangan platform donation-based crowdfunding. Penelitian ini bertujuan untuk mengidentifikasi pengaruh variabel performance expectancy, effort expectancy, social influence, facilitating conditions, sense of trust serta experience expectation terhadap intention to donate to donation-based crowdfunding dari para generasi milenial muslim di Indonesia. Responden yang dianalisis sejumlah 156 orang yang dipilih menggunakan teknik purposive sampling serta diuji menggunakan SmartPLS. Hasil penelitian menunjukkan Social Influence, Sense of Trust, dan Experience Expectation memiliki pengaruh positif terhadap Intention to donate to donation-based crowdfunding. Namun, pengujian pada Performance Expectancy, Effort Expectancy, dan Facilitating Conditions menunjukkan hasil yang berbeda. Data yang ditampilkan dalam penelitian ini diharapkan menambah sudut pandang baru bagi stakeholder terkait agar dapat mengembangkan donation-based crowdfunding di Indonesia. Kata Kunci: Donation-based Crowdfunding, Generasi Milenial Muslim, Partial Least Square, Donasi. DAFTAR PUSTAKA Achmad, R. W., Poluakan, M. V., Dikayuana, D., Wibowo, H., & Raharjo, S. T. (2019). Potret generasi milenial pada era revolusi industri 4.0. Focus: Jurnal Pekerjaan Sosial, 2(2), 187-197. doi:10.24198/focus.v2i2.26241 Ajzen, I. (1991). The theory of planned behavior. Organizational Behavior and Human Decision Processes, 50, 179-211. doi:10.1016/0749-5978(91)90020-t Ardiansyah, D. O. (2016). 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Impact Of Income On Consumption Behavior Of Urban Muslim Community In Kediri City (Case Study at Bandar Kidul Village Kecamatan Mojoroto Kediri) Siti Nur Mahmudah; Tika Widiastuti; Achsania Hendratmi
Ekonomi Islam Vol. 9 No. 1 (2018): Jurnal Ekonomi Islam (MEI)
Publisher : Universitas Muhammadiyah Prof Dr Hamka

Show Abstract | Download Original | Original Source | Check in Google Scholar | Full PDF (448.511 KB)

The income of the Muslim community in the village of Bandar Kidul Kecamatan Mojoroto Kediri is mostly a woven cloth businessman who became the livelihood for the Muslim community in Bandar Bandar Kidul. This effort has been fostered by Bank Indonesia which is the Central Bank which is very supportive of this ikat business. Most of the Muslim community's income in Bandar Bandar Kidul comes from ikat business. When the ikat orders surged high, the income of the community will also increase and affect the consumption behavior of the Muslim community in the village of Bandar Kidul Kecamatan Mojoroto Kediri. This research uses the descriptive qualitative method with case study research strategy. Methods of data collection using interview method. Interviews were conducted with eight informants, namely ikat weaving businessmen and caretakers of pesantren huts. Based on the results of the study, the researcher can conclude that income has a very big impact on consumption behavior of urban Muslim community in the village of Bandar Kidul Kecamatan Mojoroto Kediri with some indicators namely; The first indicator with the amount of expenditure, the second indicator with the indicator of Islamic consumption, and the third indicator is the indicator of need fulfillment. Of the three indicators above can be seen that income has a positive impact on the consumption behavior of urban Muslim communities in the village of Bandar Kidul Kecamatan Mojoroto Kediri. This is evidenced by the amount of expenditure that is adjusted to the income, pay attention to the goods consumed for halal and thayyib and not extravagant and exaggerated, the fulfillment of income-adjusted needs.

Evaluating Study on Informal Credit Market: A Comprehensive Literature Review Izzani Ulfi; Zera Zuryana Idris; Tjiptohadi Sawarjuwono; Achsania Hendratmi
Falah: Jurnal Ekonomi Syariah Vol. 8 No. 2 (2023): AUGUST
Publisher : Universitas Muhammadiyah Malang

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.22219/jes.v8i2.25221

The linkage between formal and informal credit markets has contributed to the existence of moneylenders’ practice. The purpose of this paper is to systematically examine the patterns in the scientific literature on the issue of informal moneylenders. Using a scientometric approach and critical review, this study finds new keywords in recent studies such as payday loans, financial literacy, sustainable development, empowerment, and financial knowledge. Based on the results, the theme of zakah has evolved from 1917 to 2020. Overall, the interest in the research topic on informal moneylenders exhibits an increasing pattern. Anthony Pennington-Cross is the most productive author of articles concerning informal moneylenders with a total of 7 publications. The findings of this paper should serve as guidance for prospective researchers to embark on new research ideas concerning informal moneylender practices as well as promoting the importance of Islamic financial institutions.

Pengaruh Kualitas Pelayanan Islam terhadap Loyalitas Pelanggan dengan Mediasi Kesenangan Pelanggan pada Penginapan Syariah di Mojokerto Fachreza Eka Kurnia; Achsania Hendratmi; Saiful Anam; Muhammad Nur Miftakhul Ivanda
Jurnal Ekonomi Akuntansi dan Manajemen Vol 22 No 2 (2023)
Publisher : Universitas Jember

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.19184/jeam.v22i2.39501

This study's objective is to investigate the relationship between the quality of sharia-compliant customer service and the degree of customer loyalty, with the satisfaction of customers serving as a moderating variable. The participants in this study were customers who had previously utilised the services provided by sharia inns in Mojokerto. The research was carried out in a number of sharia inns in Mojokerto. The data analysis technique uses Regression Path Analysis. The empirical research results prove that service quality influences customer loyalty and customer satisfaction, and customer satisfaction influences customer loyalty. The results of the study also found that customer satisfaction mediates the effect of service quality on customer loyalty. In an increasingly competitive business era, service quality and customer satisfaction play a very important role for a company's success. Good service quality and customer delight can help build long-term relationships with customers. When customers are satisfied with the services provided, they tend to remain loyal and not switch to competitors. Keywords: Customer Loyalty, Customer Satisfaction, Islam Service Quality

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