Claim Missing Document
Check
Articles

Muslim impulsive buying behavior via e-commerce in West Java Deni Lubis; Anisa Az Zahra; Tita Nursyamsiah
el-Jizya: Jurnal Ekonomi Islam Vol. 13 No. 1 (2025): el-Jizya : Jurnal Ekonomi Islam
Publisher : Fakultas Ekonomi dan Bisnis Islam, Universitas Islam Negeri Prof. K.H. Saifuddin Zuhri Purwokerto

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.24090/ej.v13i1.12302

Abstract

Indonesia is the world's largest Muslim consumer, COVID-19 contributed to the rapidly growing percentage of Internet users and online shopping as well as the availability of an easy-to-access e-commerce platform that encourages user consumption. The act of consumers spontaneously purchasing products without consideration is known as impulsive buying behavior, even though Islam forbids excessive consumption and waste. As no policy governs consumption, this study is critical in providing a reference for policymakers. This study investigates the factors that influence Muslim consumers' impulsive purchasing behavior when shopping on an e-commerce platform. The findings indicated a significant relationship between religiosity and attitudes. While attitudes, subjective norms, and perceived behavioral control impact impulse buying intentions, intentions significantly influence impulsive buying behavior. To prevent impulsive buying behavior, the government and NGOs must be involved in outreach and education to prevent impulsive buying behavior.
Determinants of the proportion of investment financing in Islamic banking business units in Indonesia Muhamad Azumar Romzi; Deni Lubis
Muqtasid: Jurnal Ekonomi dan Perbankan Syariah Vol. 15 No. 2 (2024): December 2024
Publisher : Faculty of Islamic Economics and Business, UIN Salatiga

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.18326/muqtasid.v15i2.121-138

Abstract

Islamic banking in Indonesia has experienced rapid development, with Islamic Banking Business Units (UUS) offering an alternative Sharia-based financial system known as financing. However, the distribution of financing by Islamic banks remains predominantly consumptive rather than productive, with a direct connection to the real sector, such as investment financing, whose proportion or ratio to total financing disbursed diminishes annually. This study seeks to analyze the impact of internal and external factors on the proportion of investment financing in the UUS, including the Financing to Deposit Ratio (FDR), Investment Financing Margin, Non-Performing Financing (NPF), inflation, Gross Domestic Product (GDP), and the Certificate bonus Bank Indonesia Syariah (SBIS). The data period for this study spans from January 2018 to December 2023. The methodology employed in this study is the Vector Error Correction Model (VECM). The VECM analysis indicates that, in the short term, only the SBIS bonus variable significantly affects the proportion of investment financing. In the long term, GDP, inflation, and SBIS significantly influence the proportion of investment financing. UUS must develop strategies that are adaptive to external variables such as inflation, GDP, and SBIS. Additionally, UUS should promote accelerated growth in FDR and Margin.
Determinant Pembiayaan di Sektor Pertanian pada Perbankan Syariah Selama Covid-19 di Indonesia Roby Maulana; Deni Lubis
Jurnal Manajemen Pembangunan Daerah Vol. 18 No. 2 (2025): Jurnal Manajemen Pembangunan Daerah
Publisher : Program Studi Manajemen Pembangunan Daerah. Fakultas Ekonomi dan Manajemen. IPB University

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.29244/jurnal_mpd.v18i1.60577

Abstract

Sektor pertanian merupakan salah satu sektor penyelamat ekonomi Indonesia dengan kontribusi positif terhadap PDB selama Pandemi Covid-19. Namun, proporsi pembiayaan sektor pertanian pada perbankan syariah masih lebih rendah dibandingkan dengan sektor lainnya. Penelitian ini bertujuan untuk menganalisis faktor-faktor apa saja yang memengaruhi pembiayaan sektor pertanian pada perbankan syariah di Indonesia selama Pandemi Covid-19 dengan menggunakan metode VAR/VECM. Periode yang digunakan pada penelitian ini adalah Januari 2020 hingga Desember 2022. Hasil penelitian menunjukan bahwa variabel DPK, FDR, dan PDB berpengaruh positif terhadap pembiayaan pertanian, sedangkan variabel NPF, Inflasi, dan PUAS berpengaruh negatif terhadap pembiayaan pertanian. Dalam rangka meningkatkan pembiayaan dan produktifitas di sektor pertanian, pemerintah diharapkan memberi insentif kepada perbankan yang menyalurkan pembiayaan di sektor pertanian.
Faktor Yang Memengaruhi Non-Performing Financing Sektor Perdagangan pada Perbankan Syariah di Indonesia Fadhley M Zulkifli; Deni Lubis; Yekti Mahanani
Jurnal Manajemen Pembangunan Daerah Vol. 19 No. 1 (2026): Jurnal Manajemen Pembangunan Daerah
Publisher : Program Studi Manajemen Pembangunan Daerah. Fakultas Ekonomi dan Manajemen. IPB University

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.29244/q9mpyt64

Abstract

ABSTRACT Secara agregat, tingkat pembiayaan bermasalah di perbankan syariah dalam kondisi baik. Namun, ditemukan perbedaan pada kondisi pembiayaan bermasalah di sektor perdagangan. Sehingga perlu dikaji faktor-faktor yang memengaruhi pembiayaan bermasalah (NPF) pada sektor perdagangan pada perbankan syariah di Indonesia. Pendekatan mixed method digunakan dengan analisis runtun waktu melalui VECM serta wawancara dengan praktisi untuk memperkaya interpretasi. Hasil menunjukkan bahwa BOPO, PDB, dan kurs berpengaruh signifikan dalam jangka pendek, sedangkan KAP, PDB, dan kurs berperan dominan dalam jangka panjang. IRF mengindikasikan NPF paling sensitif terhadap guncangan dari dirinya sendiri dan BOPO, sementara KAP dan PDB menunjukkan efek stabilisasi. FEVD menegaskan bahwa KAP memiliki kontribusi terbesar terhadap variasi NPF. Kata Kunci: BOPO, Kurs, NPF, Perbankan Syariah, Perdagangan. JEL Classification: G21, G28, G32, E44, C32
Strategy for Optimizing Budget Execution Performance at the Directorate General of Islamic Community Guidance, Ministry of Religious Affairs Rizal Setyawan; Dwi Rachmina; Deni Lubis
Dinasti International Journal of Economics, Finance & Accounting Vol. 7 No. 3 (2026): Dinasti International Journal of Economics, Finance & Accounting (July - August
Publisher : Dinasti Publisher

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.38035/dijefa.v7i3.7161

Abstract

This study aims to analyze budget execution performance and formulate optimization strategies for the Directorate General of Islamic Community Guidance, Ministry of Religious Affairs. The analysis considers individual, leadership, team, organizational system, and environmental factors affecting Budget Execution Performance Indicators (IKPA). A qualitative descriptive approach was employed using interviews, questionnaires, and document analysis as the primary data sources. Strategic priorities were formulated through an A'WOT analysis integrating SWOT and the Analytical Hierarchy Process (AHP). The findings indicate that IKPA performance during 2020-2024 remained at moderate to good levels but consistently fell short of the expected targets. Performance fluctuations were primarily associated with deviations in Budget Implementation Document (DIPA) Page III, contract data management, and budget absorption. The A'WOT analysis identified three priority strategies to improve budget execution performance: (1) strengthening human resource commitment to program implementation, (2) enhancing data-driven budget planning and fund withdrawal plans (RPD), and (3) improving coordination across organizational units and external stakeholders. These strategies are expected to strengthen budget execution quality and support more effective public financial management.
Prevention of Tabzir in Muslim Households Food Consumption Deni Lubis; Ahmad Rodoni; Euis Amalia
Economica: Jurnal Ekonomi Islam Vol. 13 No. 1 (2022)
Publisher : Fakultas Ekonomi dan Bisnis Islam UIN Walisongo

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.21580/economica.2022.13.1.13355

Abstract

Islam forbids tabzir (wasteful behavior) concerning food and all activities. However, Indonesia, which has a Muslim-majority population, is among the countries with the highest levels of food loss and waste globally. Food waste has a detrimental impact on the environment, economy, human health, and food security, hindering the achievement of the SDGs. This study aims to examine Muslim households' consumption patterns and identify food waste prevention strategies. A qualitative SWOT-ANP technique was applied using nine respondents, including experts, academics, and practitioners. The findings suggest that households, from an internal perspective, should prioritize sharing surplus food with those in need, as well as adopting thoughtful shopping and cooking habits, avoiding the tendency to over-purchase or over-prepare food. Three external strategies were identified: (1) campaigns by governments, agencies, and communities to raise awareness of food waste's negative effects; (2) education on proper food processing, storage, and management; (3) policies regulating food waste prevention and management. Ultimately, preventing food waste behavior requires the collaboration of all parties, including the government, religious authorities, communities, and households.
Co-Authors Aditya Hadad Riyadi Ahmad Rodoni Ajeng Nurul Fadillah Aldesta Perwitasari Tunas Alfajri , Avicenna Lukman Alla Asmara Anggini, Karlita Anisa Az Zahra Asih, Fenty Wurni Awiwin Awiwin Cristiyani, Novia Damrah, Selena Suardi Danendra, Daffa Ibra Dedi Budiman Hakim Dendy Septindo Dinda Emmy Gusti Sofhia Dini Arsyi Anjani Dita Puspitasari Dwi Rachmina Euis Amalia Fadhley M Zulkifli Fardiansyah, Muhamad Ihsan Firmannudin, Yusup Galishia Putry Hana Khairunnisa Hardinata Muhammad Hasanah, Qoriatul Herawati, Rafidah Ichsan Prasetyo Wardhani IRA ROCH INDRAWATI IRA ROCH INDRAWATI, IRA ROCH Ivan Hannoeriadi Ardiansyah Jaya, Jeanne Natasia Jessica Mayrissa Veronica Jihan Qonitah Dzakirah Juli Wicaksono Khadijah Hasim Khaerun Nissa Rizfani Khalifah Muhamad Ali Khalifah Muhammad Ali Kurnia Tri Wahyuni Lestari, Sekar Ayu Dwi Lilis Nurhasanah Lukytawati Anggraeni Mahanani, Yekti Maya Silvana Mayzya Titania Pramesti Putri Muhamad Azumar Romzi Muhammad Giffari Ramadhoni Muhammad Shulthoni Muthohharoh, Marhamah NABILAH, SALMA Nadilla Ambarfauziah Rulian NADIRAH, TAMI Nidya Putri Zulia Kusuma Wardani Ningtyas, Retno Tri Rahayu Nisa, Nur Shabrina Khairun Nurhasanah, Lilis Nurul Izzah Ramadhani Olga Aulia Pranayutantri Prasetyo, Putra Dwi Puspita, Amelia Tri Putra Dwi Prasetyo Putri, Aramadhea Latifah Wahyu Putri, Mayzya Titania Pramesti PUTRI, YUNITA HERMAWATI Qoriatul Hasanah Qoriatul Hasanah Qoriatul Hasanah Ramadhani, Nurul Izzah Rizal Setyawan Roby Maulana Salma Nabilah Salma Shalihah Savira, Salsabila Shalihah, Salma Sibuea, Teguh Imani Siti Maryam Siti Nurhasanah Siti Nurhasanah Sugema, Iman Syifa Izzati Anzania Putri TAMI NADIRAH Tanti Novianti Tita Nursyamsiah Tita Nursyamsiah Tita Nursyamsiah, Tita Uskono, Elisabeth Kurniasari Marcela Veronica, Jessica Mayrissa Wahyu Viariani Wardani, Nidya Putri Zulia Kusuma Wardhani, Ichsan Prasetyo Yekti Mahanani Yekti Mahanani Yeti Lis Purnamadewi YUNITA HERMAWATI PUTRI Zulkifli, Fadhley Muhammad