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Effect Of Product Quality, Brand Trust, and Brand Image on The Brand Loyalty of Aqua Laily Faricha Nikmah; Rina Rosia
International Economic and Finance Review Vol. 2 No. 2 (2023): INTERNATIONAL ECONOMIC AND FINANCE REVIEW (IEFR)
Publisher : Sekolah Tinggi Ekonomi dan Perbankan Islam Mr. Sjafruddin Prawiranegara

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.56897/iefr.v2i2.30

This study aims to analyze the effect of product quality, brand trust and brand image on the brand loyalty of AQUA. The population in this study is AQUA consumers in Central Java. Determination sample, using Cochrane formula, as many as 105 respondentsz. The data analysis method used is multiple linear regression. results study shows that product quality has a positive and significant effect on brand loyalty, then brand trust has a positive and significant effect on brand loyalty and brand image also has a positive and significant effect on brand loyalty. Meanwhile, product quality and brand trust simultaneously have a significant effect on brand loyalty, but brand image does not have a significant effect on brand loyalty for packaged drinking water products with the AQUA brand. Keywords: Product Quality, Brand Trust, Brand Image, Brand loyalty

How Can Zakat Drive Consumption Levels in Society? Khusnul Lailia; Rina Rosia
El-Mal: Jurnal Kajian Ekonomi & Bisnis Islam Vol. 7 No. 2 (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.v7i2.10490

This study aims to examine the role of zakat as an economic instrument that can encourage household consumption, increase income equality, and support macroeconomic stability within the framework of Islamic economics. As a form of wealth redistribution, zakat has an important function in distributing part of the muzakki's wealth to the mustahiq, thereby strengthening the purchasing power of low-income groups who tend to have higher marginal consumption. This increase in consumption then contributes to aggregate demand growth and expands economic activity. In addition, zakat acts as an automatic stabilizer that maintains the consumption capacity of vulnerable communities during economic slowdowns, thereby reducing the risk of a decline in aggregate demand and maintaining overall economic stability. This study uses a qualitative method with a literature review approach to examine various scientific sources related to zakat, consumption theory, and the concept of income distribution. The findings of the analysis show that the success of zakat as an economic instrument is greatly influenced by professional and transparent governance, as well as targeted distribution, particularly through productive zakat programs that encourage the independence of mustahiq. Zakat also has significant potential in strengthening the Islamic economic structure oriented towards justice through reducing inequality and improving community welfare. Thus, optimizing zakat management is a strategic effort to build an inclusive, sustainable economy that supports the empowerment of vulnerable groups.

Pengaruh Produk Domestik Regional Bruto (PDRB), Pengangguran dan Kemiskinan terhadap Islamic Human Development Index (I-HDI) 38 Provinsi di Indonesia 2023-2025 Mardyan Nugraha; Anton Bawono; Rina Rosia
Jurnal Ilmiah Ekonomi Islam Vol. 12 No. 3 (2026): Jurnal Ilmiah Ekonomi Islam
Publisher : ITB AAS INDONESIA Surakarta

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.29040/jiei.v12i3.19647

This study aims to analyze the influence of Gross Regional Domestic Product (GRDP), unemployment rate, and poverty on the Islamic Human Development Index (I-HDI) across 38 provinces in Indonesia during the 2023–2025 period. Secondary data were sourced from Statistics Indonesia (BPS) and analyzed using panel data regression with the Fixed Effect Model (FEM) approach. The results indicate that simultaneously, the three independent variables significantly affect I-HDI with an R2 value of 93.66%. Partially, GRDP and unemployment have a positive and significant impact on I-HDI. The positive coefficient of unemployment presumably represents the characteristics of developed regions with a concentration of educated unemployment who maintain high human capital. Meanwhile, the poverty rate has no significant effect on I-HDI. This insignificance indicates the resilience of Islamic human development against material shocks, which potentially driven by the existence of informal social safety nets from Islamic philanthropic instruments (ZISWAF). This study recommends strengthening inclusive economic policies targeting human capital quality and optimizing the integration of socio-religious instruments.

What Drives the Jakarta Islamic Index? Evidence from Inflation, Exchange Rates, and Global Oil Prices Khusnul Lailia; Anton Bawono; Rina Rosia
Reslaj: Religion Education Social Laa Roiba Journal Vol. 8 No. 6 (2026): RESLAJ: Religion Education Social Laa Roiba Journal
Publisher : Intitut Agama Islam Nasional Laa Roiba Bogor

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.47467/reslaj.v8i6.12197

This study aims to examine the effects of inflation, exchange rates, and global oil prices on the Jakarta Islamic Index (JII) in Indonesia. The approach used in this study is a quantitative approach utilizing secondary time-series data for the period 2016–2025, consisting of 120 monthly observations. The analytical technique used was multiple linear regression, with first-difference transformation to address the issue of data nonstationarity. The results indicate that inflation does not have a significant effect on the JII. Conversely, the exchange rate was found to have a significant negative effect, suggesting that a depreciation of the rupiah tends to dampen the performance of the Islamic stock index. Meanwhile, global oil prices have a significant positive effect on the JII. Collectively, these three variables account for 29,34% of the variation in the JII. These findings are expected to serve as a useful reference for investors and stakeholders in understanding the dynamics of macroeconomic factors in the Islamic capital market.

The Role of Productive Waqf as an Instrument of Islamic Fiscal Policy Sirojul Munawwar; Rina Rosia
Maro: Jurnal Ekonomi Syariah dan Bisnis Vol. 9 No. 1 (2026)
Publisher : Prodi Ekonomi Syariah Universitas Majalengka

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.31949/maro.v9i1.18781

Penelitian ini bertujuan untuk menganalisis peran wakaf produktif sebagai instrumen kebijakan fiskal Islam dalam mendukung pembiayaan pembangunan sosial, khususnya di sektor pendidikan, kesehatan, dan pemberdayaan ekonomi masyarakat di Indonesia. Penelitian ini menggunakan metode deskriptif kualitatif dengan pendekatan riset kepustakaan, menganalisis literatur akademis, laporan resmi dari lembaga wakaf, dan dokumen kebijakan terkait pengelolaan wakaf produktif. Hasil penelitian menunjukkan bahwa wakaf produktif memiliki potensi besar sebagai sumber pembiayaan sosial jangka panjang yang berkelanjutan karena sifat permanen aset wakaf dan kemampuannya untuk menghasilkan arus dana yang stabil. Namun, optimalisasinya masih terhambat oleh keterbatasan kapasitas manajerial nazhir, rendahnya tingkat digitalisasi, lemahnya integrasi regulasi, dan kurangnya literasi masyarakat. Studi ini menyimpulkan bahwa wakaf produktif dapat berfungsi sebagai mekanisme pembiayaan publik alternatif yang efektif jika didukung oleh profesionalisasi nazhir, penguatan regulasi, inovasi digital, dan kemitraan multi-sektor.This study aims to analyze the role of productive waqf as an Islamic fiscal policy instrument in supporting social development financing, particularly in the education, health, and community economic empowerment sectors in Indonesia. The research employs a qualitative descriptive method with a library research approach, analyzing academic literature, official reports from waqf institutions, and relevant policy documents related to productive waqf management. The findings indicate that productive waqf has substantial potential as a sustainable long-term source of social financing due to the permanent nature of waqf assets and their ability to generate stable funding flows. However, its optimization remains constrained by limited managerial capacity of nazhir, low levels of digitalization, weak regulatory integration, and inadequate public literacy. The study concludes that productive waqf can serve as an effective alternative public financing mechanism if supported by the professionalization of nazhir, strengthened regulations, digital innovation, and multi-sectoral partnerships.

Peran Akad Murabahah dalam Mendukung Pencapaian Sustainable Development Goals (SDGs) Aulia Novika; Nafis Irkhami; Rina Rosia
Maro: Jurnal Ekonomi Syariah dan Bisnis Vol. 9 No. 1 (2026)
Publisher : Prodi Ekonomi Syariah Universitas Majalengka

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.31949/maro.v9i1.16865

Isu pembangunan berkelanjutan semakin menguat karena menuntut keseimbangan antara aspek ekonomi, sosial, dan lingkungan, sehingga memerlukan instrumen keuangan yang tidak hanya berorientasi pada profit, tetapi juga keberlanjutan. Penelitian ini mengkaji peran akad Murabahah dalam mendukung pencapaian Sustainable Development Goals (SDGs), dengan menyoroti kesenjangan penelitian terdahulu yang cenderung menitikberatkan pada aspek profitabilitas dan kepatuhan syariah tanpa mengkaji kontribusi keberlanjutannya secara komprehensif. Rumusan masalah penelitian ini adalah bagaimana praktik akad Murabahah berkontribusi terhadap pencapaian SDGs serta faktor-faktor yang mendukung peran tersebut. Penelitian ini menggunakan metode kualitatif deskriptif-analitis dengan pendekatan studi pustaka sebagai lokus pengumpulan data. Hasil penelitian menunjukkan bahwa Murabahah, melalui pembiayaan UMKM, penguatan sektor riil, dan pendanaan proyek ramah lingkungan, berkontribusi terhadap pencapaian SDG 8, SDG 9, dan SDG 10. Temuan penelitian ini menawarkan kebaruan berupa pemetaan integratif Murabahah sebagai instrumen pembangunan berkelanjutan. Penelitian ini merekomendasikan penguatan regulasi berorientasi keberlanjutan serta pengembangan model Murabahah yang lebih inklusif sebagai agenda penelitian selanjutnya.

Contemporary Bank Interest Law in Fath Adz Dzara'i's Review Abd Basir; Achmad Musyahid; Rina Rosia; Muhammad Hamsah
al-Afkar, Journal For Islamic Studies Vol. 6 No. 4 (2023)
Publisher : Perkumpulan Dosen Fakultas Agama Islam Indramayu

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.31943/afkarjournal.v6i4.733

The spirit of anti-usury in various Muslim communities in the country is getting more intense and active. one of which is that it can be seen from the increasing number of customers at Islamic banks with a significant number of developments from time to time. However, the reality that occurs in conventional banking is still the choice of customers as Muslims, including to borrow money or funds. Of course, conventional banking applies an interest system (Conventional Banking Applies), both loan interest and deposit interest. In Indonesia, the fatwa regarding the halal interest of banks is not very popular. Most Islamic scholars and organizations in Indonesia have issued a fatwa that bank interest is usury which is forbidden. The concept in the past was that transactions occurred individually, where someone borrowed money and the person who gave the loan charged interest. While transactions that include borrowing money from banks are more complex or more complete. In the matter of usury in bank interest, various opinions of scholars, there are scholars who argue that bank interest is lawful on the grounds that the practice of usury in the past was not the same as the phenomenon of bank interest that occurred at the moment now. The main problem is: is bank interest included in the usury category or not included in the usury category, Bank interest law in the perspective of contemporary Islamic law is permissible if there is a need or benefit by adhering to the principle "Mȃ hurrima lisadd al-dzarî'at ubîha li alhȃjat aw al-mashlahat.

How Can Zakat Drive Consumption Levels in Society? Khusnul Lailia; Rina Rosia
El-Mal: Jurnal Kajian Ekonomi & Bisnis Islam Vol. 7 No. 2 (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.v7i2.10490

This study aims to examine the role of zakat as an economic instrument that can encourage household consumption, increase income equality, and support macroeconomic stability within the framework of Islamic economics. As a form of wealth redistribution, zakat has an important function in distributing part of the muzakki's wealth to the mustahiq, thereby strengthening the purchasing power of low-income groups who tend to have higher marginal consumption. This increase in consumption then contributes to aggregate demand growth and expands economic activity. In addition, zakat acts as an automatic stabilizer that maintains the consumption capacity of vulnerable communities during economic slowdowns, thereby reducing the risk of a decline in aggregate demand and maintaining overall economic stability. This study uses a qualitative method with a literature review approach to examine various scientific sources related to zakat, consumption theory, and the concept of income distribution. The findings of the analysis show that the success of zakat as an economic instrument is greatly influenced by professional and transparent governance, as well as targeted distribution, particularly through productive zakat programs that encourage the independence of mustahiq. Zakat also has significant potential in strengthening the Islamic economic structure oriented towards justice through reducing inequality and improving community welfare. Thus, optimizing zakat management is a strategic effort to build an inclusive, sustainable economy that supports the empowerment of vulnerable groups.

STRATEGI RESILIENSI PEDAGANG MUSLIM DALAM MENGHADAPI PRAKTIK RIBA: ANALISIS BERBASIS MAQASHID SYARIAH Budiarti Lestari; Inas Septa Hidayati; Agus Waluyo; Rina Rosia
ISTISMAR Vol. 9 No. 1 (2026): Juni
Publisher : LPPM Universitas KH. A. Wahab Hasbullah

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.32764/3d9r9563

Usury practices in trading activities pose a systemic threat to the moral and financiaal aspects of Muslim traders. This study aims to formulate a resilience strategy model for Muslim traders facing usurious ecosystems based on Imam AsSyatibi's Maqashid Shariah perspective. The research method used is qualitative descriptive with a literature study approach (library research). The results indicate that usurious capital infiltration destroys macro- welfare pillars in the aspects of hifz ad-din, hifz al-mal, and hifz an nafs, which triggers tatfif (weight fraud). As a solution, two dimensions of resilience are formulated : the micro level through the Kulli-Juz'i Theory (barakah-oriented reframing and zuhud bisnis) and the macro level the Al Wujud bil Kul li-Hifzhil-Kulli Theory (social caapital optimization and arisan modal). In conclusion, this dual resilience model successfully breaks structural dependency on moneylenders and maintains the spiritual independence of traders. Kata kunci: Maqashid Shariah, usury, Trader Resilience, As-Syatibi.

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