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All Journal ETIKONOMI Dinar: Jurnal Ekonomi dan Keuangan Islam Jurnal Manajemen Indonesia Jurnal Tabarru': Islamic Banking and Finance Ad-Deenar: Jurnal Ekonomi dan Bisnis Islam Profit : Jurnal Kajian Ekonomi dan Perbankan Syariah JURNAL LENTERA BISNIS Al-Kharaj: Journal of Islamic Economic and Business Revenue: Jurnal Manajemen Bisnis Islam Jurnal Ilmu Perbankan dan Keuangan Syariah Kordinat : Jurnal Komunikasi antar Perguruan Tinggi Agama Islam Al-Mashrof: Islamic Banking and Finance ARBITRASE: JOURNAL OF ECONOMICS AND ACCOUNTING Journal of Islamic Business and Economic Review (JIBER) Al-Mu'awanah Jurnal Pijar : Studi Manajemen dan Bisnis Indonesian Journal of Islamic Economics and Finance Journal of Economics and Social Sciences GLORY Jurnal Ekonomi dan Ilmu Sosial Jurnal Manajemen dan Bisnis (JMB) Jurnal Enterpreneur dan Bisnis (JEBI) Community: Jurnal Hasil Penelitian dan Pengabdian Masyarakat Majapahit Journal of Islamic Finance dan Management Jurnal Media Akademik (JMA) Al-Kharaj: Jurnal Ekonomi, Keuangan & Bisnis Syariah El-Mal: Jurnal Kajian Ekonomi & Bisnis Islam Majapahit Journal of Islamic Finance dan Management Jurnal Intelek Insan Cendikia Jurnal Ekonomi, Manajemen, Akuntansi BAABU AL-ILMI: Ekonomi dan Perbankan Syariah Interdisciplinary Explorations in Research Journal (IERJ)
Femei Purnamasari
Universitas Islam Raden Intan Lampung
Religion Agriculture, Biological Sciences & Forestry Humanities Civil Engineering, Building, Construction & Architecture Decision Sciences, Operations Research & Management Economics, Econometrics & Finance Education Industrial & Manufacturing Engineering Languange, Linguistic, Communication & Media Law, Crime, Criminology & Criminal Justice Materials Science & Nanotechnology Public Health Social Sciences Other

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THE INFLUENCE OF BANKING AND TOP MANAGEMENT SUPPORT ON CUSTOMER LOYALTY THROUGH GREEN SUSTAINABILITY AS MODERATING VARIABLE: A SYSTEMATIC LITERATUR REVIEW Nabila Maharani; Muhammad Iqbal Fassa; Femei Purnamasari; Hanif .; Moh Mukri
GLORY Jurnal Ekonomi dan Ilmu Sosial Vol 7 No 3 (2026): GLORY Jurnal Ekonomi dan Ilmu Sosial
Publisher : Universitas Nusa Cendana

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.70581/glory.v7i3.28427

Abstract

The increasing global demand for sustainable business practices is driving banking institutions to rethink how they build and maintain relationships with customers. This study was designed to examine the extent to which Green Banking Initiatives and Top Management Support contribute to the formation of Customer Loyalty, by positioning Green Sustainability as a moderating variable. Using a Systematic Literature Review (SLR) approach, 35 reputable international journals published between 2019 and 2026 were systematically reviewed to understand how green banking strategies have evolved and how they shape customer behavior. Research findings indicate that Green Banking Initiatives—including green product development, digitalization of banking services, and transparency in environmental reporting—have been proven to strengthen customer trust and foster sustainable loyalty. Meanwhile, Top Management Support has been identified as a key determinant in driving organizational change: without concrete commitment from top leadership, green initiatives often remain mere policy statements that are not grounded in daily operational practices. Green Sustainability, as a moderating variable, has been shown to play a significant role, either strengthening or weakening the link between green banking initiatives and customer loyalty, depending on how seriously an institution internalizes environmental commitments into its business governance. Based on these findings, this study encourages banking practitioners to integrate sustainability values ​​comprehensively into product design and service approaches, while also proposing to regulators to immediately formulate uniform green banking metric standards to support more objective and measurable performance evaluations. Keywords : Green Banking Initiatives, Top Management Support, Customer Loyalty, Green Sustainability, Systematic Literature Review.
Pengaruh Penggunaan Mobile Banking, Transaksi Qris, dan Total Pengguna terhadap Pertumbuhan Aset Perbankan Syariah Abeng Suhendra; Femei Purnamasari; Muhammad Iqbal Fasa
El-Mal: Jurnal Kajian Ekonomi & Bisnis Islam Vol. 7 No. 7 (2026): 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.v7i7.12168

Abstract

This study analyzes the effect of mobile banking usage, QRIS transactions, and the total number of digital service users on Islamic banking asset growth in Indonesia. The research is motivated by increasing digital banking activities not matched by optimal asset growth, requiring empirical testing to assess digitalization effectiveness on financial performance. A quantitative approach with a causal design is employed. Data consist of secondary time-series data for 2023–2025 obtained from official publications of the Financial Services Authority (OJK) and Bank Indonesia (BI). The sampling technique uses census sampling, selecting the entire population due to limited observations and high relevance. Data analysis applies multiple linear regression using SPSS, including classical assumption tests: normality, multicollinearity, autocorrelation, and heteroscedasticity. Results show that, partially, mobile banking usage has a positive, significant effect on asset growth (sig 0.008 < 0.05), QRIS transactions show a positive, significant effect (sig 0.047 < 0.05). The total number of users does not significantly affect asset growth (sig 0.722 > 0.05). Simultaneously, all variables significantly influence asset growth (sig 0.007 < 0.05). The coefficient of determination (R²) is 0.188, indicating 18.8% of asset growth variation is explained by the independent variables, while 81.2% is influenced by factors outside the model. These findings indicate digitalization through mobile banking and QRIS supports asset growth. However, increasing user numbers alone does not significantly impact growth without improving usage quality and optimizing financial intermediation. Integration of digital services with fund mobilization and financing strategies is essential to achieve sustainable asset growth.
Monetary Policy Analysis In Influencing Price Stability In Indonesia: Pre-Pandemic And Post-Pandemic Case Studies Viewed From The Perspective Of Islamic Economics Sefti Lediya Devi; Femei Purnamasari; Adhe Risky Mayasari
Majapahit Journal of Islamic Finance and Management Vol. 6 No. 2 (2026): Islamic Finance and Management
Publisher : Universitas KH. Abdul Chalim Mojokerto

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.31538/mjifm.v6i2.975

Abstract

This study aims to analyze the influence of monetary policy represented by interest rates, money supply and exchange rates on price stability in Indonesia pre-pandemic and post-pandemic covid-19. Price stability in this study was measured using core inflation which is a condition of maintaining price levels in the economy so as not to experience excessive fluctuations in the long term. The method used is a quantitative approach with time series data with autoregressive Distributed Lag (ARDL) analysis to measure the effect of monetary policy on price stability. In addition, descriptive analysis was used to analyze differences in monetary policy conditions and pre-and post-pandemic price stability. In the Islamic economic perspective, stability is seen as part of the goal of preserving the benefits and avoiding excessive price injustice, so that monetary policy applied can support the creation of justice and balance.
Monetary Policy Analysis In Influencing Price Stability In Indonesia: Pre-Pandemic And Post-Pandemic Case Studies Viewed From The Perspective Of Islamic Economics Sefti Lediya Devi; Femei Purnamasari; Adhe Risky Mayasari
Majapahit Journal of Islamic Finance and Management Vol. 6 No. 2 (2026): Islamic Finance and Management
Publisher : Universitas KH. Abdul Chalim Mojokerto

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.31538/mjifm.v6i2.975

Abstract

This study aims to analyze the influence of monetary policy represented by interest rates, money supply and exchange rates on price stability in Indonesia pre-pandemic and post-pandemic covid-19. Price stability in this study was measured using core inflation which is a condition of maintaining price levels in the economy so as not to experience excessive fluctuations in the long term. The method used is a quantitative approach with time series data with autoregressive Distributed Lag (ARDL) analysis to measure the effect of monetary policy on price stability. In addition, descriptive analysis was used to analyze differences in monetary policy conditions and pre-and post-pandemic price stability. In the Islamic economic perspective, stability is seen as part of the goal of preserving the benefits and avoiding excessive price injustice, so that monetary policy applied can support the creation of justice and balance.
Pengaruh Tingkat Pendidikan dan Tingkat Pengangguran Terbuka Terhadap Proporsi Lapangan Kerja Informal di Lampung : Peran Kesempatan Kerja Layak Putri Salsabela; Femei Purnamasari; Is Susanto
EKOMA : Jurnal Ekonomi, Manajemen, Akuntansi Vol. 5 No. 6: September 2026
Publisher : CV. Ulil Albab Corp

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.56799/ekoma.v5i6.20061

Abstract

Penelitian ini mengkaji pengaruh tingkat pendidikan dan tingkat pengangguran terbuka terhadap proporsi pekerja informal di Provinsi Lampung, dengan decent work (pekerjaan layak) sebagai variabel intervening dalam perspektif ekonomi Islam. Pekerjaan informal masih menjadi karakteristik yang dominan dalam pasar tenaga kerja daerah meskipun tingkat pendidikan dan kebijakan ketenagakerjaan telah mengalami peningkatan. Kondisi ini menunjukkan pentingnya mengidentifikasi faktor-faktor yang memengaruhi keberlangsungan pekerjaan informal. Penelitian ini menggunakan pendekatan kuantitatif dengan data sekunder berbentuk deret waktu (time series) periode 2010–2024 yang diperoleh dari publikasi Badan Pusat Statistik (BPS) Provinsi Lampung. Teknik pengambilan sampel yang digunakan adalah sampling jenuh, sehingga seluruh data observasi dijadikan sebagai sampel penelitian. Analisis data dilakukan menggunakan regresi linier berganda berdasarkan metode Ordinary Least Squares (OLS) serta uji Sobel. Sebelum pengujian hipotesis, dilakukan uji asumsi klasik yang meliputi uji normalitas, multikolinearitas, heteroskedastisitas, dan autokorelasi. Hasil penelitian menunjukkan bahwa tingkat pendidikan berpengaruh positif dan signifikan terhadap proporsi pekerja informal, sedangkan tingkat pengangguran terbuka dan decent work berpengaruh negatif namun tidak signifikan. Secara simultan, tingkat pendidikan, tingkat pengangguran terbuka, dan decent work berpengaruh signifikan terhadap pekerjaan informal. Hasil uji Sobel menunjukkan bahwa decent work tidak mampu memediasi hubungan antara tingkat pendidikan maupun tingkat pengangguran terbuka terhadap proporsi pekerja informal. Temuan ini mengindikasikan bahwa kondisi struktural pasar tenaga kerja memiliki peran yang lebih besar dalam membentuk pekerjaan informal dibandingkan dengan peran mediasi decent work. Hasil penelitian ini memberikan implikasi penting bagi perumusan kebijakan ketenagakerjaan dan pendidikan dalam upaya mendukung pencapaian Tujuan Pembangunan Berkelanjutan (Sustainable Development Goals/SDGs) poin 8.
Pengaruh Investasi Hijau, Kebijakan Lingkungan, Dan Kesadaran Ekologis Terhadap Green Economy Di Indonesia Perspektif Ekonomi Islam Diyah Ayu Kusumawati; Femei Purnamasari; Is Susanto
EKOMA : Jurnal Ekonomi, Manajemen, Akuntansi Vol. 5 No. 6: September 2026
Publisher : CV. Ulil Albab Corp

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.56799/ekoma.v5i6.20064

Abstract

Green economy merupakan strategi penting untuk mewujudkan pembangunan berkelanjutan melalui keseimbangan antara pertumbuhan ekonomi, pelestarian lingkungan, dan kesejahteraan masyarakat. Namun, implementasinya di Indonesia selama periode 2015–2024 masih berfluktuasi sehingga perlu dikaji faktor-faktor yang memengaruhinya. Penelitian ini bertujuan menganalisis pengaruh investasi hijau, kebijakan lingkungan, dan kesadaran ekologis terhadap green economy di Indonesia periode 2015–2024 dalam perspektif ekonomi Islam. Penelitian menggunakan metode kuantitatif dengan data sekunder time series yang dianalisis menggunakan metode Ordinary Least Square (OLS). Hasil penelitian menunjukkan bahwa investasi hijau, kebijakan lingkungan, dan kesadaran ekologis secara parsial berpengaruh positif tetapi tidak signifikan terhadap green economy, serta secara simultan juga tidak berpengaruh signifikan. Nilai R-squared sebesar 42,16% menunjukkan bahwa variasi green economy dapat dijelaskan oleh ketiga variabel tersebut, sedangkan sisanya dipengaruhi faktor lain. Dalam perspektif ekonomi Islam, ketiga variabel tersebut sejalan dengan prinsip khalifah fil ardh, maslahah, dan maqashid syariah dalam mendukung pembangunan berkelanjutan.
Analisis Inovasi Teknologi dan Sistem Keamanan Terhadap Kepercayaan Nasabah dengan Kepuasan Nasabah Sebagai Variabel Intervening Salsabilla Izzati; Femei Purnamasari; Anggun Okta Fitri
Al-Kharaj: Jurnal Ekonomi, Keuangan & Bisnis Syariah Vol. 8 No. 9 (2026): Al-Kharaj: Jurnal Ekonomi, Keuangan & Bisnis Syariah
Publisher : Intitut Agama Islam Nasional Laa Roiba Bogor

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.47467/alkharaj.v8i9.13261

Abstract

This study is motivated by the importance of technological innovation and security systems in enhancing customer trust in Islamic mobile banking services. The objective of this study is to analyze the effects of technological innovation and security systems on customer trust, with customer satisfaction serving as a mediating variable among Islamic mobile banking users in Bandar Lampung City. This study employed a quantitative approach using an associative research method. The sample consisted of 100 respondents selected through purposive sampling. Data were collected using a questionnaire and analyzed through Partial Least Squares–Structural Equation Modeling (PLS-SEM) with the assistance of SmartPLS 4.0 software. The findings indicate that technological innovation has a significant positive effect on both customer trust and customer satisfaction. Meanwhile, security systems have a significant positive effect on customer trust but do not have a significant effect on customer satisfaction. Customer satisfaction is also found to have a significant positive effect on customer trust. Furthermore, customer satisfaction does not mediate the relationship between technological innovation and customer trust, but it does mediate the relationship between security systems and customer trust. Based on these findings, it can be concluded that improving customer trust in Islamic mobile banking services requires continuous technological innovation, stronger security systems, and enhanced customer satisfaction.
Co-Authors A. Zuliansyah Abeng Suhendra Adhe Risky Mayasari Agus Kurniawan Agus Kurniawan Ahmad Hazas Syarif Anggun Okta Fitri Anindita Maya Prameswari Anugrah, Risen Anugrah, Risen Anzani, Mayang Arif Darmawan Aurel Lia Putri, Desy Ayun, Putri Khurota Daffa, Nabella Dedi Satriawan Diah Mukminatul Hasyim Dinanda Dinda Fali Rifan Diyah Ayu Kusumawati Dwi Susanti Dwi Susanti Fachry, Adib Fatih Fuadi Ferdiawan Gustika Nurmalia Hanif . Hasyim, Diah Mukminatul Icha afrillia Hidayat Intan Kurnia Is Susanto Ismi Zahra Fadila Yusuf Karexa Selvia Yundari MALIK, ANAS Maulana, Bintang Moh. Mukri Muhammad Iqbal Fasa Muhammad Iqbal Fasa Muhammad Iqbal Fassa Muhammad Rio Nabila Maharani Nadia Damayanti Nur Syamsiyah Nur Syamsiyah Nur'aini, Aninda Nurhayati Nurhayati Okta Sari Prameswari, Anindita Maya Putri Salsabela Putri, Aprila Sari Ardini Rio, Muhammad Risen Anugrah Ristia Tri Ananda Salsabilla Izzati Sefti Lediya Devi Siska Yuli Anita Supriyaningsih, Octa Susanto, Is Syarif, Ahmad Hazaz Tri Novita Sari, Tri Novita Weny Rosilawati Wila Bayu Femmya Angel Yeni Susanti Yulistia Devi Zuliansyah, A