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Pengaruh Online Customer Review, Brand Image dan Label Halal terhadap Keputusan Pembelian Produk Skincare di E-Commerce pada Generasi Z Kota Pekanbaru Perspektif Maqasid Syariah Lili Permata Ananda; Muhammad Albahi; Rozi Andrini
Journal of Innovative and Creativity Vol. 5 No. 2 (2025)
Publisher : Fakultas Ilmu Pendidikan Universitas Pahlawan Tuanku Tambusai

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.31004/joecy.v5i2.470

Penelitian ini bertujuan untuk menganalisis pengaruh online customer review, brand image, dan label halal terhadap keputusan pembelian produk di e-commerce pada Generasi Z di Kota Pekanbaru dalam perspektif maqasid syariah. Dalam konteks masyarakat Muslim, label halal menjadi elemen penting yang mencerminkan kepatuhan terhadap nilai-nilai syariah. Penelitian ini menggunakan pendekatan kuantitatif dengan metode survei terhadap responden dari kalangan Gen Z di kecamatan Binawidya Kota Pekanbaru. Penelitian ini menggunakan pendekatan kuantitatif dengan metode survei. Populasi pada penelitian ini adalah Generasi Z Kecamatan Binawidya Kota Pekanbaru yang melakukan Pembelian di E-Commerce. Jumlah sampel pada penelitian ini sebesar 96 konsumen dengan teknik pengambilan sampel menggunakan Purposive sampling. Pengumpulan data dilakukan dengan metode observasi dan kuesioner, adapun teknik analisis data mulai dari uji instrumen penelitian, uji asumsi klasik, uji hipotesis dan uji regresi linear berganda. Hasil penelitian diperoleh nilai thitung online customer review, brand image, dan label halal > t tabel yaitu masing- masing (3,608, 3,102, dan 3,034 > 1,985) serta nilai Fhitung > Ftabel yaitu (76,781 > 2,70) dengan nilai signifikasi lebih kecil dari 0,05 (0,000 < 0,5) yang berarti online customer review, brand image, dan label halal berpengaruh secara positif dan signifikan terhadap keputusan pembelian produk Skincare di E-Commerce Pada Generasi Z Kota Pekanbaru. Koefisien determinasi (R2 ) yang diperoleh sebesar 0,705, yang artinya online customer review, brand image, dan label halal sebesar 70,5% mempengaruhi keputusan pembelian produk skincare di E-Commerce Pada Generasi Z Kota Pekanbaru. Secara keseluruhan, penelitian ini menunjukkan online customer review, brand image, dan label halal tidak hanya memengaruhi keputusan pembelian secara signifikan, tetapi juga memiliki relevansi yang kuat dengan prinsip-prinsip Maqashid syariah yang meliputi perlindungan agama (hifzh aldin), jiwa (hifzh al-nafs), akal (hifzh al-aql), keturunan (hifzh al-nasl), dan harta (hifzh al-mal).

Pengaruh Literasi Halal dan Regulasi Halal terhadap Keputusan UMKM dalam Sertifikasi Halal di Kota Pekanbaru Alfajri Alfajri; Ilyas Husti; Muhammad Albahi
Journal of Innovative and Creativity Vol. 5 No. 2 (2025)
Publisher : Fakultas Ilmu Pendidikan Universitas Pahlawan Tuanku Tambusai

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.31004/joecy.v5i2.574

Penelitian ini bertujuan untuk mengetahui pengaruh Literasi Halal dan Regulasi Halal terhadap Keputusan UMKM dalam Sertifikasi Halal di Kota Pekanbaru. Penelitian ini menggunakan pendekatan kuantitatif. Teknik penentuan jumlah sampel dilakukan dengan menggunakan rumus Yamane dari total populasi UMKM kuliner di Kota Pekanbaru, sehingga diperoleh sebanyak 100 responden. Teknik pengambilan sampel yang digunakan adalah simple random sampling. Variabel independen dalam penelitian ini adalah Literasi Halal dan Regulasi Halal, sedangkan variabel dependen adalah Keputusan UMKM dalam Sertifikasi Halal. Pengolahan data dilakukan menggunakan bantuan program SPSS versi 26. Hasil penelitian menunjukkan bahwa secara parsial Literasi Halal berpengaruh positif dan signifikan terhadap Keputusan UMKM dengan nilai t-hitung sebesar 8,139 dan signifikansi p < 0,000. Regulasi Halal juga berpengaruh signifikan dengan nilai t-hitung sebesar 5,894 dan signifikansi p < 0,000. Secara simultan, kedua variabel tersebut berpengaruh signifikan terhadap Keputusan UMKM dalam Sertifikasi Halal di Kota Pekanbaru dengan nilai F-hitung sebesar 68,940 dan signifikansi p < 0,000. Nilai Adjusted R Square sebesar 58,7% menunjukkan bahwa kedua variabel independen mampu menjelaskan variasi keputusan UMKM terhadap sertifikasi halal, sedangkan sisanya 41,3% dijelaskan oleh variabel lain di luar penelitian ini.

Pengaruh Literasi Halal dan Regulasi Halal terhadap Keputusan UMKM dalam Sertifikasi Halal di Kota Pekanbaru Alfajri Alfajri; Ilyas Husti; Muhammad Albahi
Journal of Innovative and Creativity Vol. 5 No. 2 (2025)
Publisher : Fakultas Ilmu Pendidikan Universitas Pahlawan Tuanku Tambusai

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.31004/joecy.v5i2.586

Penelitian ini bertujuan untuk mengetahui pengaruh Literasi Halal dan Regulasi Halal terhadap Keputusan UMKM dalam Sertifikasi Halal di Kota Pekanbaru. Penelitian ini menggunakan pendekatan kuantitatif. Teknik penentuan jumlah sampel dilakukan dengan menggunakan rumus Yamane dari total populasi UMKM kuliner di Kota Pekanbaru, sehingga diperoleh sebanyak 100 responden. Teknik pengambilan sampel yang digunakan adalah simple random sampling. Variabel independen dalam penelitian ini adalah Literasi Halal dan Regulasi Halal, sedangkan variabel dependen adalah Keputusan UMKM dalam Sertifikasi Halal. Pengolahan data dilakukan menggunakan bantuan program SPSS versi 26. Hasil penelitian menunjukkan bahwa secara parsial Literasi Halal berpengaruh positif dan signifikan terhadap Keputusan UMKM dengan nilai t-hitung sebesar 8,139 dan signifikansi p < 0,000. Regulasi Halal juga berpengaruh signifikan dengan nilai t-hitung sebesar 5,894 dan signifikansi p < 0,000. Secara simultan, kedua variabel tersebut berpengaruh signifikan terhadap Keputusan UMKM dalam Sertifikasi Halal di Kota Pekanbaru dengan nilai F-hitung sebesar 68,940 dan signifikansi p < 0,000. Nilai Adjusted R Square sebesar 58,7% menunjukkan bahwa kedua variabel independen mampu menjelaskan variasi keputusan UMKM terhadap sertifikasi halal, sedangkan sisanya 41,3% dijelaskan oleh variabel lain di luar penelitian ini.

Akad dalam Transaksi Keuangan Syariah Miftahul Janna Ritonga; Khoirudin; Muhammad Albahi
Al-Kharaj: Jurnal Ekonomi, Keuangan & Bisnis Syariah Vol. 7 No. 6 (2025): 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.v7i6.8065

In the Islamic financial system, akad (contract) serves as a legal foundation that distinguishes Islamic financial practices from conventional systems. An akad is not merely a contractual agreement but also reflects fundamental Sharia principles such as justice, transparency, and mutual assistance. This study aims to examine the concept of akad in Islam, the types of akad used in Islamic financial transactions, and the challenges of its implementation in Islamic financial institutions. Using a qualitative approach based on literature review, the study concludes that proper understanding and application of akad play a crucial role in maintaining the integrity and public trust in the Islamic financial system. Therefore, improving financial literacy and strengthening regulations are essential steps to support the development of a fair and sustainable Islamic economic system

Analisis Kedudukan dan Peran Otoritas Jasa Keuangan (OJK) dalam Pengawasan dan Regulasi Sistem Perbankan Syariah di Indonesia Khairul Hanif; Muhammad Albahi; Rozi Andrini
Al-Kharaj: Jurnal Ekonomi, Keuangan & Bisnis Syariah Vol. 8 No. 1 (2026): 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.v8i1.10377

This study analyzes the position and role of the Financial Services Authority (OJK) in supervising and regulating the Indonesian Islamic banking system. This research uses a descriptive qualitative approach with library research methods. The study examines laws, OJK regulations, and scientific literature on Islamic financial supervision. This analysis highlights the OJK's dual function as a regulator and supervisor in maintaining sharia compliance, financial stability, and governance in Islamic banks. The findings reveal that the OJK holds a strategic position as an independent authority based on Law No. 21 of 2011 and Law No. 4 of 2023 concerning the Development and Strengthening of the Financial Sector. OJK's on-site and off-site supervision ensures transparency, risk management, and compliance with sharia principles. Challenges include limited human resources with dual expertise, weak harmonization with the National Sharia Council (DSN-MUI), and low public literacy. This study concludes that strengthening the role of the OJK requires increased institutional coordination, capacity building, and integration of maqasid al-shari’ah principles to ensure sustainable development of Islamic finance.

Pengaruh BOPO dan NPF terhadap Return on Assets (ROA) Bank Umum Syariah pada Transisi Pandemi dan Pascapandemi 2020–2024 Kasmawati Kasmawati; Muhammad Albahi; Raja Sakti Putra Harahap
Jesya Vol 9 No 2 (2026): ARTICLES : RESEARCH JUNI 2026
Publisher : LPPM Sekolah Tinggi Ilmu Ekonomi Al-Washliyah Sibolga

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.36778/jesya.v9i2.2617

Aset perbankan syariah Indonesia tumbuh pesat mencapai Rp863 triliun pada 2024, profitabilitas yang diukur melalui Return on Assets (ROA) justru mengalami penurunan dari 1,74% pada 2021 menjadi 1,38% pada 2023. Kondisi ini diduga dipengaruhi oleh inefisiensi operasional (BOPO) dan risiko pembiayaan bermasalah (NPF) selama periode transisi dan pascapandemi COVID-19, sehingga penelitian ini bertujuan menganalisis pengaruh keduanya secara parsial maupun simultan terhadap ROA tujuh Bank Umum Syariah di Indonesia periode 2020–2024. Penelitian menggunakan pendekatan kuantitatif asosiatif dengan data panel dari tujuh Bank Umum Syariah (35 observasi) yang dipilih melalui purposive sampling dan dianalisis menggunakan regresi data panel Common Effect Model (CEM) berbantuan Eview 12. Hasil penelitian menunjukkan bahwa BOPO berpengaruh negatif dan signifikan secara parsial terhadap ROA (t = 34,997; prob. = 0,000; koef. = −0,064), sedangkan NPF tidak berpengaruh signifikan secara parsial (t = 1,874; prob. = 0,0701) meskipun arah koefisiennya negatif. Secara simultan, BOPO dan NPF berpengaruh signifikan terhadap ROA dengan Adjusted R² sebesar 97,79% (F = 754,327; prob. = 0,000). Penelitian ini dapat disimpulkan bahwa BOPO merupakan faktor dominan penekan profitabilitas bank syariah selama periode pandemi dan pascapandemi, sementara tidak signifikannya NPF disebabkan oleh tingkat NPF yang masih terkendali serta dampak kebijakan restrukturisasi pembiayaan OJK. Bank syariah disarankan untuk memprioritaskan efisiensi operasional melalui digitalisasi sebagai strategi utama peningkatan profitabilits.

Implementation of Competency-Based Human Resources Management on the Productivity of State Civil Apparatus in Medan City Muhammad Alfahmi; Muhammad Albahi; Muhammad Alfikri
Journal of Education, Humaniora and Social Sciences (JEHSS) Vol 8, No 4 (2026): Journal of Education, Humaniora and Social Sciences (JEHSS), Mei 2026
Publisher : Mahesa Research Center

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.34007/jehss.v8i4.3104

This study aims to analyze the effect of competency-based human resource (HR) management implementation on the productivity of the State Civil Apparatus (ASN) in Medan City. The study employed a quantitative approach with an explanatory research design to examine the relationship between competency-based HR management and ASN productivity. The research was conducted within Regional Apparatus Organizations (OPD) of the Medan City Government. Data were collected through questionnaires distributed to ASN respondents using a five-point Likert scale and supported by documentation studies related to personnel management policies. The sampling technique used proportional random sampling, while data analysis was conducted using descriptive statistics and simple linear regression analysis. The findings indicate that the implementation of competency-based HR management in Medan City is categorized as good, particularly in aspects of HR planning, recruitment and selection, competency development, performance appraisal, and career development. In addition, ASN productivity was found to be relatively high in terms of work effectiveness, efficiency, quality of work results, and punctuality. The regression analysis revealed that competency-based HR management has a positive and significant effect on ASN productivity, with a determination coefficient showing that competency-based HR management contributes substantially to improving employee productivity. These findings confirm that the implementation of a competency-based HR management system can strengthen the professionalism, performance, and effectiveness of public sector employees. Therefore, local governments are encouraged to consistently enhance competency mapping, career development, and performance evaluation systems to support sustainable improvements in public service quality.

Sharia Compliance and Legal Certainty in the Governance of Islamic Banking In Indonesia Cintia Nurul Lita Br Silalahi; Muhammad Albahi; Raja Sakti Putra Harahap
Jurnal Ekonomi Bisnis dan Manajemen Vol. 4 No. 1 (2026): EKOBIMA: Jurnal Ekonomi Bisnis dan Manajemen - Juni 2026
Publisher : POLITEKNIK LP3I

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.38204/ekobima.v4i1.2912

The development of the Islamic banking industry in Indonesia demands a strong integration between normative aspects and operational legality. This study aims to analyze the implementation of sharia compliance in Islamic banking governance in Indonesia and examine its contribution to achieving legal certainty. Using a qualitative method with a juridical-normative approach, this research examines secondary data through library research and a statutory approach. The results indicate that sharia compliance is a fundamental principle that serves as a key indicator of the credibility and integrity of Islamic financial institutions. Sharia governance acts as a mediating variable that connects sharia compliance to legal certainty through mechanisms of transparency, accountability, and the strategic role of the Sharia Supervisory Board (DPS). Although supported by Law No. 21 of 2008 and Law No. 4 of 2023 (UU P2SK), legal certainty still faces challenges such as the dualism of the legal system and differing interpretations of sharia principles. The study concludes that strengthening adaptive regulations, improving human resource quality, and harmonizing Islamic law with national positive law are essential to creating a sustainable and competitive Islamic banking ecosystem.

Financial Ratio Dynamics and Profitability in Indonesian Islamic Banking: A Panel Analysis of FDR, NPF, and CAR Elvira Khairunnisa Ibrahim; Muhammad Albahi; Raja Sakti Putra Harahap
Owner : Riset dan Jurnal Akuntansi Vol. 10 No. 3 (2026): Periode Juli 2026
Publisher : Politeknik Ganesha Medan

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.33395/owner.v10i3.3390

This study addresses inconsistencies in prior empirical findings regarding the relationship between financial ratios and profitability in Islamic banking, where theoretical predictions often diverge from observed data. Despite growing scholarly interest in Islamic bank performance, limited post-pandemic evidence exists on how Financing to Deposit Ratio (FDR), Non-Performing Financing (NPF), and Capital Adequacy Ratio (CAR) jointly influence Return on Assets (ROA). This study employs a quantitative approach using panel data regression with Ordinary Least Squares (OLS) estimation on four Islamic Commercial Banks registered with the Financial Services Authority (OJK), selected through purposive sampling. Results indicate that FDR, NPF, and CAR each exert a positive and significant partial effect on ROA, and simultaneously explain 76.5% of ROA variation (F = 46.628, p < 0.05). These findings challenge conventional assumptions — particularly regarding NPF — and suggest that prudent financing management in the post-pandemic recovery period may alter the expected direction of risk-profitability relationships. This study contributes by providing recent post-pandemic empirical evidence on Islamic bank financial performance in Indonesia, offering implications for both regulatory policy and bank management strategy.

Reconstruction of the Handling of Non-Performing Financing in Murabahah Contracts in Islamic Banking Khairul Hanif; Muhammad Albahi; Raja Sakti Putra Harahap
Al-Kharaj: Journal of Islamic Economic and Business Vol. 8 No. 2 (2026): All articles in this issue include authors from 3 countries of origin (Indonesi
Publisher : LP2M IAIN Palopo

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.24256/kharaj.v8i2.10246

This study aims to analyze the issues surrounding the management of non-performing financing in murabahah contracts within Islamic banking and to formulate a revised management model that is more in line with Sharia principles and legal certainty. This issue is significant given the widespread use of murabahah contracts in Islamic banking practices, which is not always accompanied by the substantive implementation of Sharia principles. The research method employed is a normative legal approach using a literature review, through an examination of primary legal sources relevant to Islamic banking and murabahah financing. Data analysis was conducted qualitatively using descriptive-analytical and prescriptive approaches to produce comprehensive model recommendations. The results indicate that the handling of non-performing financing in murabahah contracts still faces a gap between theory and practice, a dominance of repressive approaches, and weak legal certainty due to the lack of alignment between regulations and on-the-ground implementation. To address this, this study proposes a reconstruction of the management of non-performing financing through a model based on legal certainty and Sharia principles, consisting of three stages: preventive, curative, and repressive, with consultation and restructuring as the primary approaches and enforcement as the last resort (ultimum remedium). It is hoped that the implications of this study will contribute to the development of Islamic banking law, particularly in creating a system for handling non-performing financing that is fairer, more effective, and in accordance with Sharia principles, as well as serving as a reference for practitioners, regulators, and academics in strengthening the implementation of Islamic banking in Indonesia.

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