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All Journal Laa Maisyir Jurnal Ekonomi Islam NISBAH: JURNAL PERBANKAN SYARIAH Jurnal Tabarru': Islamic Banking and Finance Justisia Ekonomika DIKTUM: JURNAL SYARIAH DAN HUKUM Qawwam Al Iqtishod: Jurnal Pemikiran dan Penelitian Ekonomi Islam Journal Business and Management Rihlah Iqtishad: Jurnal Bisnis dan Keuangan Islam Values: Jurnal Kajian Islam Multidisiplin Journal of Islamic Economic Laws JEIZA: Jurnal Ekonomi Islam Az-Zain
Dahruji
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Religion Humanities Decision Sciences, Operations Research & Management Economics, Econometrics & Finance Education Environmental Science Law, Crime, Criminology & Criminal Justice Social Sciences Other

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IMPLEMENTASI LAYANAN MUAMALAT DIN (DIGITAL ISLAMIC NETWORK) DALAM MENINGKATKAN EFISIENSI DAN KEMUDAHAN BERTRANSAKSI BANK MUAMALAT Pratiwi, Dessy Dwi; Dahruji
NISBAH: Jurnal Perbankan Syariah Vol. 10 No. 1 (2024): NISBAH: Jurnal Perbankan Syariah
Publisher : Sharia Banking Study Program, Faculty of Islamic Economics, Djuanda University, Bogor

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.30997/jn.v10i1.13304

Abstract

Dunia mengalami kemajuan yang luar biasa dalam inovasi dan teknologi termasuk teknologi finansial. Ketersediaan aplikasi Muamalat DIN sebagai platform digital yang menarik serta memberikan reaksi yang positif di lingkungan sekitar. Tujuan dari penelitian ini adalah untuk mengetahui bagaimana layanan Muamalat DIN diimplementasikan dalam meningkatkan efisiensi dan kemudahan bertransaksi nasabah di Bank Muamalat KCU Darmo Surabaya serta apa saja keluhan atau hambatan nasabah dalam melakukan transaksi dengan mobile banking tersebut. Metode kualitatif deskriptif yang digunakan dalam penelitian ini membantu pembaca untuk memahami keadaan subjek atau objek yang diteliti. Dan dari hasil penelitian ini menunjukkan bahwa dalam penerapan Muamalat DIN ini di Bank Muamalat KCU Darmo Surabaya dapat meningkatkan efisiensi dan kemudahan transaksi nasabah yang dimana dibuktikan dai beberapa hal, pertama meningkatnya pengguna Muamalat DIN  dari tahun ke tahun dan kedua nasabah banyak melakukan transaksi seperti transfer top up dan layanan perbankan lainnya mengunakan Muamalat DIN, hal ini disebabkan karena menurut nasabah menggunakan layanan digital ini memberikan kemudahan dan menghemat waktu serta bisa dilakukan dimana saja dan kapan saja.
THE INFLUENCE OF HALAL LITERACY, HALAL LABELING, PRODUCT QUALITY, AND PRICE ON SKINCARE PURCHASING DECISIONS: THE MEDIATING ROLE OF WILLINGNESS TO PAY A PREMIUM PRICE Karimah, Alfiatul; Dahruji
Jurnal Justisia Ekonomika: Magister Hukum Ekonomi Syariah Vol 8 No 2 (2024): Desember
Publisher : Universitas Muhammadiyah Surabaya

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.30651/justeko.v8i2.24390

Abstract

The growing awareness of the importance of halal products has significantly influenced various sectors, including the cosmetics industry. However, prior research has predominantly focused on halal food and beverages, while halal skincare products, such as Somethinc, have received limited academic attention. Furthermore, studies that integrate halal literacy, labeling, product quality, and price about purchase decisions, with a willingness to pay a premium price as a mediating variable, remain scarce. This study examines the influence of halal literacy, halal label, product quality, and product price on the purchasing decisions of Somethinc skincare products among Gen Z, mediated by willingness to pay a premium price. The research method used is quantitative, with primary data obtained through questionnaires. The sampling was conducted using purposive sampling, with a total of 272 respondents. The data analysis technique used is Structural Equation Modeling (SEM), analyzed using the software SmartPLS version 3. The results of this study indicate that the variables halal literacy, product quality, and product price do not directly affect purchasing decisions, while the halal label variable and willingness to pay a premium price directly influence purchasing decisions. The halal literacy and halal label variables do not affect willingness to pay a premium price, whereas product quality and product price variables do affect willingness to pay a premium price. Additionally, halal literacy and halal labels do not influence purchasing decisions when mediated by a willingness to pay a premium price, whereas product quality and product price do influence purchasing decisions when mediated by a willingness to pay a premium price.
What Reduces Switching Behavior in Indonesian Islamic Banking? The Mediating Role of Customer Satisfaction Meliyana, Hildah; Adiba, Elfira Maya; Dahruji
Journal of Islamic Economic Laws Vol. 9 No. 01 (2026): January
Publisher : Universitas Muhammadiyah Surakarta

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.23917/jisel.v9i01.13794

Abstract

Switching behavior is a marker of customer loyalty, particularly among Islamic bank customers. Therefore, a strategy is needed to reduce the rate of customer switching from an Islamic bank to other banks. This study aims to analyze the determinants of switching behavior in Indonesian Islamic banks, using customer satisfaction as a mediating variable. This study employed a quantitative approach using Structural Equation Modeling based on Partial Least Squares (SEM-PLS). This study successfully collected primary data from 265 customers of an Indonesian Islamic bank. The results of this study indicate that none of the antecedent variables directly influence switching behavior, but they do significantly influence customer satisfaction. Customer satisfaction effectively mediates switching behavior, indicating that more satisfied customers are less likely to switch banks. The findings of this study indicate that Islamic bank customers act rationally by evaluating all antecedent variables before switching to another bank. This research theoretically contributes to the literature regarding the importance of customer satisfaction in explaining customer behavior. In practice, this research emphasizes the need for appropriate strategies to provide a positive experience of transacting with Islamic banks, thereby satisfying customers and minimizing switching behavior. Therefore, banks must maintain and improve customer satisfaction through optimizing competitive profit-sharing schemes, service strategies, sharia compliance, and technological innovation to increase customer loyalty and reduce switching behavior. This strategy is expected to strengthen Islamic banks’ long-term competitiveness.
PDF PROSPEK DAN TANTANGAN PEREKONOMIAN INDONESIA: TANTANGAN DEMOGRAFI DAN GEOPOLITIK MENUJU INDONESIA EMAS 2045 Soleh, Badrus; Fadil, Fadil hakiki; Dahruji; Agus Naidi
JEIZA : Jurnal Ekonomi Islam Az-Zain Vol. 2 No. 2 (2026): In Progress
Publisher : Program Studi Ekonomi Syariah & LP2M STAI Az-Zain Sampang

Show Abstract | Download Original | Original Source | Check in Google Scholar

Abstract

Indonesia faces a critical challenge in balancing its 2045 development ambitions amidst escalating global Geopolitical Risks (GPR), geo-economic fragmentation, and the urgency of managing the demographic dividend. Conventional fiscal and monetary instruments often suffer from recognition and implementation lags, pro-cyclical bias, and debt-driven vulnerabilities when responding to external shocks. Objective: This study aims to formulate an integrated and Maqasid-based macroeconomic stabilization framework by leveraging Islamic Social Finance (ISF) as a systemic automatic stabilizer. Methods: Using a Qualitative Systematic Literature Review (SLR) with the PRISMA protocol on 22 reputable academic works (2015–2025), this research identifies structural gaps in conventional stabilization policies that remain highly exposed to external volatility and output gap widening. Results: The study proposes the Zakat-Integrated Automatic Stabilizer (ZIAS) model, which operates through a dual-trigger mechanism—responding to the Geopolitical Risk (GPR) index as a forward-looking exogenous trigger and domestic macro indicators (such as unemployment and output gap) as endogenous realized-stress triggers. The model demonstrates that zakat, through its counter-cyclical and redistributive nature combined with a high marginal propensity to consume among beneficiaries, functions as a community-based shock absorber that stabilizes aggregate demand and protects human capital without increasing the national debt burden. Conclusion: Institutionalizing ISF within a Maqasid al-Shari’ah-based national macroeconomic architecture is essential to strengthen intergenerational resilience and ensure the sustainability of human capital investment toward Indonesia Emas 2045.
Co-Authors Adiba, Elfira Maya Agus Naidi Ahmad Makhtum Aisyah Amimi Azizah Wawi, Nur Dwi, Kurrotul uyun Eko Purwanto Fadil, Fadil hakiki Gajah, Sufi Maulana Irwan Karimah, Alfiatul Mashudi Meliyana, Hildah Muhammad Ersya Faraby Nurul Aulia Pratiwi, Dessy Dwi Sentot Imam Wahjono SOLEH, BADRUS Taufiqur Rahman Tivani, Tivani Adelia Putri Ulfiyah