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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
Dahruji
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Religion Humanities Decision Sciences, Operations Research & Management Economics, Econometrics & Finance Education 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.
Co-Authors Ahmad Makhtum Aisyah Amimi Azizah Wawi, Nur Dwi, Kurrotul uyun Eko Purwanto Gajah, Sufi Maulana Irwan Karimah, Alfiatul Mashudi Muhammad Ersya Faraby Nurul Aulia Pratiwi, Dessy Dwi Sentot Imam Wahjono Taufiqur Rahman Tivani, Tivani Adelia Putri Ulfiyah