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All Journal Economica: Jurnal Ekonomi Islam Al-Kharaj: Jurnal Ekonomi, Keuangan & Bisnis Syariah Journal of Economics Business Finance and Accounting
Risdiana Himmati
Universitas Islam Negeri Sayyid Ali Rahmatullah Tulungagung
Agriculture, Biological Sciences & Forestry Arts Decision Sciences, Operations Research & Management Economics, Econometrics & Finance Environmental Science Industrial & Manufacturing Engineering Social Sciences Other

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Dampak Suasana Toko, Variasi Produk dan Kualitas Layanan terhadap Kepuasan Pelanggan di Kedai Kopi Kopiah Ireng Kabupaten Nganjuk Muhammad Wahyu Aji Saputra; Risdiana Himmati; Moh Rois Abin
Journal of Economics Business Finance and Accounting Vol. 2 No. 1 (2024): Journal of Economics Business Finance and Accounting
Publisher : Nur Science Institute

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.53088/jebfa.v2i1.2320

Abstract

The coffee shop industry represents a promising business sector. With the growing intensity of competition within this industry, businesses must prioritize enhancing customer satisfaction to sustain their competitive advantage. This research seeks to examine the influence of store atmosphere, product variiety, and serviice quality on customer satisfaction at Kopiah Ireng Coffee Shop, located in Nganjuk Regency. A quantitative research approach was employed, utilizing non-probability sampling. The study involved a sample of 100 customers from Kopiah Ireng Coffee Shop. Data were gathered through questionnaires and analyzed using multiple linear regression test, classical assumption test, and hypothesis testi methods with on aid of SPSS version 30.0. The results demonstrate that both individually and collectively, store atmosphere, product variety, and serviice quality exert a significant and positive influence on customer satisfaction. These findings confirm that these These factors significantly influence the increase in customer satisfaction at Kopiah Ireng Coffee Shop, Nganjuk Regency.
Nexus Islamic Finance Development and Income Inequality in Indonesia: Testing Kuznets Curve Hypothesis Badara Shofi Dana; Risdiana Himmati; Agus Salim
Economica: Jurnal Ekonomi Islam Vol. 16 No. 2 (2025)
Publisher : Fakultas Ekonomi dan Bisnis Islam UIN Walisongo

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.21580/economica.2025.16.2.26318

Abstract

This study analyzes the applicability of the Kuznets curve hypothesis within the specific context of Islamic finance development in Indonesia and its resultant implications for income inequality. The novelty of this research lies in integrating Islamic finance, specifically from the banking sector, with Islamic social finance instruments, namely zakat, infaq, and sadaqah. Crucially, it interrogates whether the Kuznets curve hypothesis remains pertinent within this expanded framework. Utilizing secondary panel data encompassing 25 Indonesian provinces over the 2019–2020 period, the study employs panel data regression techniques, specifically common effect, fixed effect, and random effect models, which were systematically selected via the Chow, Hausman, and Lagrange multiplier tests. The empirical findings demonstrate unequivocally that the development of Islamic finance, spanning both the financial and social sectors, significantly influences income inequality. This substantiates the Kuznets curve hypothesis: inequality initially escalates but subsequently diminishes as development matures. Furthermore, the results underscore the role of the Human Development Index (HDI) and the prevalence of mosques in mitigating inequality, while population density exhibits a positive association with inequality. This study conclusively argues that strengthening financial inclusion and professionalizing the management of Islamic social finance constitute strategic approaches for mitigating income inequality in Indonesia.
Pengaruh Fitur Paylater, Spinjam dan Affiliate terhadap Minat Konsumen dalam Berbelanja pada Aplikasi Shopee : Studi Kasus Pengguna Shopee pada Mahasiswa FEBI UIN SATU Tulungagung Syahru Tsani Syafiq Nuruddin; Risdiana Himmati
Al-Kharaj: Jurnal Ekonomi, Keuangan & Bisnis Syariah Vol. 5 No. 6 (2023): 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.v5i6.160

Abstract

Shopee is one of the largest marketplaces in Indonesia that provides several payment features, such as Shopee Paylater, Spinjam and Affiliate.This feature is also used to attract shopping interest for Shopee users without worrying that there is no cost to buy something. The existence of several payment features in the shopee application makes it easier for consumers to shop for whatever items they want. PThis study aims to determine the effect of featuresShopee PayLater, Spinjam and Affiliate for consumers who make transactions on the Shopee marketplace. This research focuses on students of the Faculty of Economics and Islamic Business, Sayyid Ali Rahmatullah Tulungagung State Islamic University who have accounts and are registered as Shopee PayLater, Spinjam and Affiliate. The method used in this research is qualitative methodwith a case study approach that uses source triangulation as the main data with in-depth interviews as well as observation and documentation as additional data. The results of this study indicate that these three features are the main choices for consumers for transactions. Based on data and analysis, Shopee PayLater is used as micro business capital, Spinjam is used for personal needs, and Affiliates tend to be used to earn income through marketing creative content products that include links uploaded on social media.
Co-Authors Agus Salim Badara Shofi Dana Moh Rois Abin Muhammad Wahyu Aji Saputra Syahru Tsani Syafiq Nuruddin