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All Journal Jurnal Ekonomi dan Bisnis (JEB) JITAA : Journal Of International Taxation, Accounting And Auditing Jurnal Ekonomi Bisnis Antartika Konsienti: Community Services Journal Jurnal Semesta Ilmu Manajemen dan Ekonomi lentera jurnal manajemen Journal of Social Entrepreneurship and Creative Technology Journal Of Economic Cluster
Safitri Asrol
Universitas Islam Negeri Raden Fatah Palembang
Religion Humanities Computer Science & IT Decision Sciences, Operations Research & Management Economics, Econometrics & Finance Social Sciences Other

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Pengaruh Service Quality, Trust, dan Costumer Satisfactions Terhadap Loyalitas Nasabah Pengguna BSI Mobile Bank Syariah Indonesia (BSI) KC Prabumulih Hepi Agustini; M. Iqbal; Safitri Asrol
Jurnal Semesta Ilmu Manajemen dan Ekonomi Vol. 1 No. 4 (2025): Edisi Juni
Publisher : PT PUSTAKA CENDEKIA PUBLISHER

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.71417/j-sime.v1i4.353

Abstract

Penelitian ini bertujuan untuk menganalisis pengaruh Service Quality, Trust, dan Customer Satisfaction terhadap loyalitas nasabah pengguna BSI Mobile Bank Syariah Indonesia KC Prabumulih. Penelitian menggunakan metode kuantitatif dengan pendekatan positivisme. Populasi penelitian adalah seluruh nasabah pengguna BSI Mobile di KC Prabumulih, dengan sampel sebanyak 100 responden yang dipilih melalui teknik purposive sampling. Data dikumpulkan menggunakan kuesioner yang telah diuji validitas dan reliabilitasnya, kemudian dianalisis secara kuantitatif menggunakan regresi linear berganda serta uji asumsi klasik seperti normalitas, multikolinieritas, heteroskedasitas, dan linieritas dengan bantuan SPSS versi 23. Hasil penelitian menunjukkan bahwa secara parsial variabel Trust dan Customer Satisfaction berpengaruh positif signifikan terhadap loyalitas nasabah (nilai t hitung > t tabel; signifikansi < 0,05), sedangkan Service Quality tidak berpengaruh signifikan. Secara simultan ketiga variabel tersebut berpengaruh positif signifikan terhadap loyalitas (nilai F hitung > F tabel; signifikansi < 0,05) dengan koefisien determinasi sebesar 67,7%, yang berarti variabel independen mampu menjelaskan variasi loyalitas sebesar itu. Kesimpulan penelitian menegaskan pentingnya peningkatan kepercayaan dan kepuasan pelanggan dalam membangun loyalitas nasabah pada layanan mobile banking BSI. Disarankan agar penelitian selanjutnya memperluas objek studi ke produk mobile banking dari bank lain untuk hasil yang lebih komprehensif.
Strategi Baznas Kota Palembang dalam Meningkatkan Dana Zakat Profesi Asn Di Kota Palembang Kartila Warti; Rinol Sumantri; Safitri Asrol
Jurnal Semesta Ilmu Manajemen dan Ekonomi Vol. 1 No. 4 (2025): Edisi Juni
Publisher : PT PUSTAKA CENDEKIA PUBLISHER

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.71417/j-sime.v1i4.584

Abstract

Zakat merupakan salah satu rukun Islam yang memegang peranan sangat penting dalam membantu mengurangi tingkat kemiskinan, serta bersifat religious dan sosial sebagai bentuk dua dimensi, yaitu sebagai wujud ketaatan dan kepatuhan terhadap Allah SWT, dimensi kepedulian kepada sesama manusia sebagai hamba.1 Zakat sebagai ibadah amaliah yang berkaitan dengan aspek sosial. Pemerintah memberikan perhatian lebih dengan membentuk Undang-undang zakat Nomor 38 Tahun 1999 tentang pengelolaan zakat.Penelitian ini mengeksplorasi strategi yang digunakan oleh Baznas (Badan Amil Zakat Nasional) Kota Palembang untuk meningkatkan pengumpulan dana zakat dari gaji profesional ASN (Aparatur Sipil Negara) di daerah. Penelitian ini menyoroti peran penting zakat dalam mengurangi kemiskinan dan menumbuhkan tanggung jawab sosial di kalangan umat Islam, menekankan dimensi ganda kewajiban agama dan kesejahteraan sosial. Temuan utama menunjukkan bahwa sementara kesadaran akan kewajiban zakat di antara ASN hadir, ada hambatan signifikan untuk partisipasi yang efektif, termasuk kurangnya pemahaman teknis, masalah transparansi, dan sistem pembayaran yang tidak memadai Studi ini menggunakan pendekatan kualitatif deskriptif.
IMPLEMENTASI ETIKA BISNIS ISLAM PADA PELAKU USAHA MIKRO, KECIL, DAN MENENGAH (UMKM) SEKTOR KULINER DI KAWASAN WISATA TANJUNG ENIM Tiara Nabila Aulia; Said Abdullah Syahab; Safitri Asrol
Jurnal Ekonomi dan Bisnis Nias Selatan Vol 9 No 1 (2026): Jurnal Ekonomi dan Bisnis Nias Selatan
Publisher : LPPM Universitas Nias Raya

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.57094/jeb.v9i1.5219

Abstract

Islamic business ethics served as a moral guideline that directed business actors to conduct economic activities honestly, fairly, and responsibly in accordance with Islamic principles. The implementation of Islamic business ethics was particularly important in the culinary Micro, Small, and Medium Enterprises (MSMEs) sector, especially in tourism destinations where interactions between business owners and consumers were highly intensive. This study aimed to examine the implementation of Islamic business ethics among culinary MSMEs operating in the Tanjung Enim tourism area, Muara Enim Regency. A qualitative approach with a field research design was employed. The study involved 12 culinary MSME owners selected through purposive sampling. Data were collected through interviews, observations, and documentation and were analyzed using the interactive model of Miles, Huberman, and Saldaña. The findings indicated that the MSME owners had implemented the principle of tawhid through religious observance and the use of halal ingredients, the principle of equilibrium through honesty in pricing and service delivery, the principle of free will through business innovation that remained consistent with Islamic values, and the principle of responsibility through their willingness to accept customer feedback and address complaints. Nevertheless, the implementation had not yet been fully optimized due to several challenges, including the absence of halal certification, inadequate hygiene standardization, inconsistent measurement practices, and limited business record-keeping. The study underscored the need for strengthened guidance and assistance programs based on Islamic business ethics to enhance the competitiveness and sustainability of culinary MSMEs in tourism destinations.
PENGARUH CITRA MEREK, PERSEPSI HARGA DAN PROMOSI MELALUI MEDIA SOSIAL TERHADAP KEPUTUSAN PEMBELIAN PRODUK HIJAB UMAMA GALLERY PALEMBANG Melsa Laracia; Titin Hartini; Safitri Asrol
Jurnal Ekonomi dan Bisnis Nias Selatan Vol 9 No 1 (2026): Jurnal Ekonomi dan Bisnis Nias Selatan
Publisher : LPPM Universitas Nias Raya

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.57094/jeb.v9i1.5352

Abstract

This study aims to analyze the effects of brand image, price perception, and social media promotion on purchasing decisions for Umama Gallery hijab products in Palembang. The study employed a quantitative survey approach. The research population consisted of 31,273 consumers, while the sample was determined using incidental sampling based on the Taro Yamane formula with a 5% margin of error, resulting in 395 respondents. Primary data were collected through a five-point Likert-scale questionnaire and were analyzed using IBM SPSS Statistics 29. Prior to hypothesis testing, the data met the validity, reliability, and classical assumption requirements. The results show that brand image, price perception, and social media promotion each have a positive and significant effect on purchasing decisions. Among these variables, price perception has the strongest influence, followed by brand image and social media promotion. Furthermore, all three variables simultaneously have a significant effect on purchasing decisions. The coefficient of determination (R² = 0.438) indicates that brand image, price perception, and social media promotion explain 43.8% of the variance in purchasing decisions, while the remaining 56.2% is explained by other factors beyond the scope of this study.
PENGARUH TINGKAT PENDIDIKAN DAN TINGKAT PENDAPATAN TERHADAP MINAT BERWAKAF UANG DENGAN RELIGIUSITAS SEBAGAI VARIABEL MEDIASI PADA ASN MUSLIM KOTA PALEMBANG Rahma Juliana; Muthmainah Juniawati; Safitri Asrol
JITAA : Journal Of International Taxation, Accounting And Auditing Vol 4 No 01 (2025): JITAA: Journal Of International Taxation Accounting and Auditing
Publisher : Pusat Studi Ekonomi Publikasi Ilmiah dan Pengembangan SDM

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.62668/jitaa.v4i01.1716

Abstract

This study aims to determine the effect of education level and income level on interest in cash waqf with religiosity as a mediating variable. This is a quantitative study. The population consists of 90 Muslim civil servants. Data were collected using a Likert scale questionnaire, validity and reliability testing, and hypothesis testing using SmartPLS 4.0 software. The results of the study indicate that educational level has a positive and significant effect on religiosity, income level has a positive and significant effect on religiosity, educational level does not affect interest in monetary waqf, income level has a positive and significant effect on interest in monetary waqf, & religiosity has a positive & significant effect on interest in monetary waqf. Educational level has a positive and significant effect on interest in monetary waqf with religiosity as a mediating variable, and income level has a positive and significant effect on interest in monetary waqf with religiosity as a mediating variable. Therefore, it is recommended that the government implement regular religious programs in the work environment of Muslim civil servants because religiosity has been proven to be the main factor driving interest in monetary waqf.
MANAJEMEN RISIKO PADA PENGELOLAAN DANA ZAKAT, INFAK, DAN SEDEKAH (STUDI KASUS INISIATIF ZAKAT INDONESIA (IZI) SUMATERA SELATAN) Dimas Pandu Wizki; Rinol Sumantri; Safitri Asrol
JITAA : Journal Of International Taxation, Accounting And Auditing Vol 4 No 01 (2025): JITAA: Journal Of International Taxation Accounting and Auditing
Publisher : Pusat Studi Ekonomi Publikasi Ilmiah dan Pengembangan SDM

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.62668/jitaa.v4i01.1731

Abstract

The Indonesian Zakat Initiative (IZI) South Sumatra Zakat Management Institution (LAZ) is a registered and recognized institu tion by the Ministry of Religious Affairs of the Republic of Indonesia that manages zakat, infaq, and sadaqah funds. In managing ZIS funds, the Indonesian Zakat Initiative (IZI) South Sumatra faces several problems, namely collection, distribution, volunteers, and education. Risk management is a series of procedures used to identify, assess, control, and monitor risks arising from an activity. The purpose of this study is to determine the extent of risk management implementation and the risk mitigation strategies carried out by LAZ IZI South Sumatra. This study uses a qualitative method where data is collected through interviews with three main sources, namely the head of the IZI South Sumatra office, the head of the collection division, and the head of the distribution division. In addition, this study also uses the observa tion method. The results of this study indicate that the implementation of risk management by IZI South Sumatra is not yet optimal because IZI does not implement risk assessment. However, in terms of risk mitigation, the mitigation measures implemented by IZI are very good at handling existing risks.
Pelatihan Kewirausahaan Melalui Pemasaran Syariah Berbasis E-Business Pada Masa Pandemi Untuk Menambah Pendapatan UKM-IKM Nusantara Safitri Asrol; Oki Sania Riski
Konsienti : Community Services Journal Vol. 2 No. 01 (2024): January
Publisher : PT. TAKAZA INNOVATIX LABS

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.61536/konsienti.v2i01.37

Abstract

Tujuan kegiatan ini adalah memberikan pelatihan mengenai bagaimana cara pelatihan supaya dapat menambah pendapatan pelaku UMKM menggunakan Pemasaran Syariah dalam kondisi Pandemi Covid yang berbasis E-Business. Saat Pandemi Covid terjadi terjadi PPKM (Pemberlakuan Pembatasan Kegiatan Masyarakat) dimana masyarakat dituntut untuk bekerja dan berbisnis dari rumah yang secara tidak langsung membuat pelaku UMKM harus bisa menggunakan platform-platform online, oleh karena itulah perlu adanya Pelatihan E-Business dengan kiat-kita pemecahan permasalahan diantaranya: (1) Produk yang sesuai dengan minat yang ditekuni; (2) Penambahan pendapatan Pelaku UMKM di Kondisi Pandemi Covid Berbasis Pemasaran Syariah; (3) Memaksimalkan Bisnis Online menjadi Taktik Pemasaran, yaitu melalui Platform-platform online seperti Facebook dan Instagram serta E-Market seperti shopee dan tokopedia.
ANALISIS PEMAHAMAN DAN KESADARAN DALAM MEMBAYAR ZAKAT PERKEBUNAN (STUDI KASUS PETANI KEBUN SAWIT) DI KECAMATAN BATURAJA BARAT KABUPATEN OGAN KOMERING ULU Imelia Amanda; Rudi Aryanto; Safitri Asrol
Jurnal Ekonomi dan Bisnis Nias Selatan Vol 9 No 1 (2026): Jurnal Ekonomi dan Bisnis Nias Selatan
Publisher : LPPM Universitas Nias Raya

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.57094/jeb.v9i1.5394

Abstract

Baturaja barat district, ogan komering ulu regency, is an area where the majority of the population works as oil palm farmers. however, farmers' understanding and awareness regarding the obligation of zakat (obligatory almsgiving) on ​​plantations remain relatively low. this study aims to analyze the level of farmers' understanding and awareness regarding the fulfillment of plantation zakat in baturaja barat district. the study employs a qualitative method with data collection techniques involving interviews, observation, and documentation, analyzed through the stages of data reduction, data presentation, and conclusion drawing. the results indicate that most farmers are familiar only with zakat fitrah and are unaware that oil palm plantation yields are subject to zakat once they reach the nisab (minimum threshold). the low level of awareness regarding zakat fulfillment is attributed to a lack of outreach and education, limited religious knowledge, and a preference for giving infaq and sadaqah (voluntary charity) directly rather than fulfilling zakat in accordance with sharia regulations. the study highlights the need for increased education and outreach regarding plantation zakat to improve farmers' understanding and awareness of fulfilling this obligation in accordance with islamic sharia.
POTENSI ZAKAT PERTANIAN PADI TERHADAP KESEJAHTERAAN MASYARAKAT DI DESA TERUSAN DALAM KECAMATAN SUMBER MARGA TELANG KABUPATEN BANYUASIN Yunica Adelia; Rudi Aryanto; Safitri Asrol
Jurnal Ekonomi dan Bisnis Nias Selatan Vol 9 No 1 (2026): Jurnal Ekonomi dan Bisnis Nias Selatan
Publisher : LPPM Universitas Nias Raya

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.57094/jeb.v9i1.5399

Abstract

This study aims to analyzed the potential of rice agricultural zakat in improving community welfare and to examine the distribution mechanism of agricultural zakat in Terusan Dalam Village, Sumber Marga Telang District, Banyuasin Regency. The study employed a qualitative approach using field research. Data were collected through observations, in-depth interviews, and documentation involving rice farmers, mosque administrators, farmer group leaders, and community leaders. Data analysis was conducted through data reduction, data display, and conclusion drawing. The findings indicate that the potential value of rice agricultural zakat in Terusan Dalam Village is estimated at approximately IDR 330,700,000 per harvest season, provided that all farmers whose harvests have reached the nisab fulfill their zakat obligations in accordance with Islamic law. However, the management of agricultural zakat has not yet been optimized, as its distribution is predominantly carried out directly to the poor, needy, relatives, neighbors, and other local community members without the involvement of an official zakat management institution. Consequently, the considerable potential of agricultural zakat has not been fully utilized as an instrument for community economic empowerment. Therefore, improving public literacy on agricultural zakat and strengthening the role of the National Board of Zakat (BAZNAS) are essential to ensure that zakat management becomes more effective, targeted, transparent, and sustainable in supporting community welfare.
PENGARUH BRAND IMAGE, HARGA , DAN VIRAL MARKETING TERHADAP MINAT BELI HIJAB DI VARISHA OFFICIAL SHOP: STUDI KASUS GEN Z KOTA PALEMBANG Brenda Aurora; Bunga Mar’atush Shalihah; Safitri Asrol
Jurnal Ekonomi dan Bisnis Nias Selatan Vol 9 No 1 (2026): Jurnal Ekonomi dan Bisnis Nias Selatan
Publisher : LPPM Universitas Nias Raya

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.57094/jeb.v9i1.5417

Abstract

The growth of hijab sales through online media has made consumers, especially Generation Z, increasingly selective in choosing products. Varisha Official Shop is a well-known hijab brand in Palembang. This study aims to determine the influence of brand image, price, and viral marketing on hijab purchase intention at Varisha Official Shop among Generation Z in Palembang. This study uses a quantitative method with multiple linear regression analysis processed with SPSS version 26. Data were obtained from 96 respondents through purposive sampling techniques. Before the analysis was carried out, the data had been tested through validity, reliability, and classical assumption tests (normality, linearity, multicollinearity, heteroscedasticity), as well as multiple linear analysis to test the hypothesis partially, simultaneously, and the coefficient of determination (R2) test. The regression model obtained was Y = 6.100 + 0.243 – 0.040 + 0.884. The results of the study indicate that partially, brand image and viral marketing have a positive and significant effect on purchase intention, while price has no significant effect. However, simultaneously, all three variables significantly influence purchase intention, as evidenced by the calculated F value > F table (45.730 > 2.70) with a significance level of 0.000. The R2 value of 0.585 indicates that 58% of the variation in purchase intention can be explained by these three variables, while the remainder is influenced by other factors outside this study.
Co-Authors Aldi Putra Tegar Aliyah Wulan Maharani Brenda Aurora Bunga Mar’atush Shalihah Cindy Indryani Dimas Pandu Wizki Hepi Agustini Hilda Imelia Amanda Kartila Warti Listiawati Listiawati Meisy Putri Qonitah Henny Oktavia Melsa Laracia Muhammad Iqbal Mulyani Rizki Muthmainah Juniawati Oki Sania Riski Rachmania Rahma Juliana Rinol Sumantri Rudi Aryanto Saffanah Dwie Ramadhani Said Abdullah Syahab Tanti Rosa Diyan Pratiwi Tiara Nabila Aulia Titin Hartini Yunica Adelia