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Pengaruh Perdagangan Internasional dan Investasi Asing Langsung terhadap Pertumbuhan Ekonomi di 5 Negara ASEAN Tahun 2015-2024 dalam Perspektif Ekonomi Islam Lisa Septina; Sania Nuraziza; Erlin Kurniati
Jurnal BAABU AL-ILMI: Ekonomi dan Perbankan Syariah Vol 11, No 2 (2026): Islamic economics and banking research
Publisher : Universitas Islam Negeri Fatmawati Sukarno Bengkulu

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.29300/ba.v11i1.10087

This study aims to analyze the effect of international trade and foreign direct investment on economic growth in five ASEAN countries, namely Indonesia, Malaysia, Singapore, the Philippines, and Thailand, from 2015 to 2024 from an Islamic economic perspective. Using a descriptive quantitative approach with secondary data obtained from the World Bank, the analysis was conducted using panel data regression with the Fixed Effect Model (FEM). The results of the study indicate that international trade has a positive and significant effect on economic growth, while foreign direct investment has a positive but insignificant effect on economic growth. Simultaneously, both variables have a significant effect on economic growth. From an Islamic perspective, trade that complies with Sharia principles, such as freedom from usury, gharar, and maysir, is encouraged. In line with this, Islam also supports investment because, according to its teachings, wealth should not be hoarded but must be used in a beneficial and productive manner.

Financial Distress Prediction In Asean Islamic Banks Using The Altman, Springate, And Grover Models : Financial Distress Prediction In Asean Islamic Banks Using The Altman, Springate, And Grover Models muhammad faizal assyiddiq; Ersi Sisdianto; Sania Nuraziza
Jurnal Ilmu Perbankan dan Keuangan Syariah Vol. 8 No. 1 (2026)
Publisher : Program Studi Perbankan Syariah Fakultas Ekonomi dan Bisnis Islam UIN Datokarama Palu

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.24239/jipsya.v8i1.387.21-38

This study aims to evaluate and compare the financial health levels of Islamic banks in the ASEAN region using the Altman, Springate, and Grover models. Amid the dynamics of the regional economy, risk assessment through multivariate models becomes crucial as an early detection instrument for stakeholders. By taking samples from BCAS, BIMB, BIBD, and iBank for the 2020-2024 period, the results show that all sampled banks are classified as financially healthy based on the Grover model. These findings indicate a strong financial resilience within the Islamic banking sector in ASEAN, while also highlighting variations in accuracy among the models in classifying firms’ financial conditions

Pengaruh Fan Culture dan Nilai Kesederhanaan Islam Terhadap Self-Congruity Konsumen Gen Z: Peran Moderasi Dorongan Komunitas dalam Perspektif Bisnis Islam Niken Permata Putri; Ahmad Habibi; Sania Nuraziza
Paradoks : Jurnal Ilmu Ekonomi Vol. 9 No. 3 (2026): Mei - Juli
Publisher : Fakultas Ekonomi, Universitas Muslim Indonesia

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.57178/paradoks.v9i3.2490

Penelitian ini bertujuan menganalisis pengaruh fan culture dan nilai kesederhanaan Islam terhadap self-congruity konsumen Generasi Z pada event Comic Frontier (Comifuro), serta menguji peran dorongan komunitas sebagai variabel moderasi dalam perspektif bisnis Islam. Penelitian menggunakan pendekatan kuantitatif dengan desain kausal asosiatif. Data diperoleh melalui penyebaran kuesioner kepada 100 responden Generasi Z yang pernah menghadiri atau berpartisipasi dalam Comic Frontier. Teknik pengambilan sampel menggunakan purposive sampling, sedangkan analisis data dilakukan dengan Structural Equation Modeling–Partial Least Squares (SEM-PLS) menggunakan SmartPLS 4. Hasil penelitian menunjukkan bahwa fan culture berpengaruh positif dan signifikan terhadap self-congruity konsumen. Sebaliknya, nilai kesederhanaan Islam tidak berpengaruh signifikan terhadap self-congruity. Selain itu, dorongan komunitas tidak terbukti memoderasi hubungan antara fan culture dan self-congruity maupun hubungan antara nilai kesederhanaan Islam dan self-congruity. Temuan ini mengindikasikan bahwa pembentukan self-congruity pada Generasi Z dalam konteks fandom lebih banyak dipengaruhi oleh identitas fandom, keterlibatan partisipatif, dan ekspresi diri dibandingkan oleh nilai kesederhanaan konsumsi maupun pengaruh komunitas. Penelitian ini memberikan kontribusi pada pengembangan kajian perilaku konsumen, budaya fandom, dan bisnis Islam dengan menunjukkan bahwa nilai-nilai Islam dalam konsumsi belum tentu berperan langsung dalam pembentukan self-congruity pada konteks budaya populer digital. Temuan ini membuka peluang penelitian lanjutan untuk mengkaji faktor-faktor lain seperti religiusitas, fan identity, sense of belonging, dan emotional attachment dalam menjelaskan pembentukan self-congruity konsumen Generasi Z.

Pengaruh Tarif Perdagangan, Nilai Tukar dan Produk Domestik Bruto Terhadap Ekspor Produk Pertanian Indonesia Ke 5 Negara Asean dalam Prespektif Ekonomi Islam Tahun 2015-2024 Karina Setiani; Sania Nuraziza; Erlin Kurniati
Jurnal BAABU AL-ILMI: Ekonomi dan Perbankan Syariah Vol 11, No 1 (2026): Islamic economics and banking research
Publisher : Universitas Islam Negeri Fatmawati Sukarno Bengkulu

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.29300/ba.v11i1.9991

Agricultural product exports are closely related to trade tariffs, exchange rates, and gross domestic product. This study aims to analyze the influence of trade tariffs, exchange rates, and gross domestic product on agricultural product exports to ASEAN countries from an Islamic economic perspective. The research method used in this study is quantitative, presented in the form of panel data from five ASEAN member countries with a purposive sampling technique in data selection. The results of this study indicate that the trade tariff variable has a negative and significant effect on Indonesian agricultural exports, the exchange rate variable has a negative and significant effect on Indonesian agricultural product exports, and the GDP variable has a positive and significant effect on Indonesian agricultural product exports. In Islamic economics, exports and international trade must be in accordance with sharia, emphasizing halal (permissible), justice, and blessings. Goods or services traded must be halal (permissible), beneficial, and not detrimental to society or the environment. Trade contracts must be transparent, free from usury, gharar (unlawful), and fraud, while sharf (sharf) is carried out in cash and clearly. Trade tariffs are permitted to protect domestic interests fairly. The Islamic economic approach assesses economic activity from the perspective of its benefits, blessings, and suitability to the maqashid al-shariah, not just GDP.

The Effect of Perceived Quality and Perceived Value on Repurchase Intention in Consumers of Chicken Salto Products with Customer Satisfaction as a Mediation Variable in an Islamic Business Perspective (Study on Consumers of Salto Chicken Bandar Lampung) Jihan Agustin; Siska Yuli Anita; Sania Nuraziza
Majapahit Journal of Islamic Finance and Management Vol. 5 No. 4 (2025): Islamic Finance and Management
Publisher : Universitas KH. Abdul Chalim Mojokerto

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.31538/mjifm.v5i4.631

This study aims to examine how Perceived Quality and Perceived Value relate to Repurchase Intention, mediated by Customer Satisfaction, among consumers of chicken salto products. This study uses an exploratory method with a quantitative approach, with a sample size of 96 respondents and data analysis using Structural Equation Modelling (SEM) and Partial Least Square (PLS) analysis techniques. The findings of this study indicate a positive and significant effect on the relationship between Perceived Value and Repurchase Intention, Perceived Quality and Customer Satisfaction, Perceived Value and Customer Satisfaction, Customer Satisfaction and Repurchase Intention, Customer Satisfaction mediating the effect of Perceived Quality on Repurchase Intention, and Customer Satisfaction mediating the effect of Perceived Value on Repurchase Intention. Additionally, there are results that do not affect the relationship between Perceived Quality and Repurchase Intention.

The Influence of Brand Consciousness on Repurchase Intention with Customer Loyalty as a Mediation Variable in Islamic Business Perspective (Study on Generation Z Colorbox Customers in Bandar Lampung) Mella Rosyana Fitri; Vicky F Sanjaya; Sania Nuraziza
Majapahit Journal of Islamic Finance and Management Vol. 6 No. 1 (2026): Islamic Finance and Management
Publisher : Universitas KH. Abdul Chalim Mojokerto

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.31538/mjifm.v6i1.704

This study aims to analyze the influence of Brand Consciousness and Repurchase Intention mediated by Customer Loyalty on Generation Z Colorbox customers in Bandar Lampung in the perspective of Islamic Business. This study focused on 96 respondents from Generation Z in Bandar Lampung. selected through purposive sampling techniques. The research method used is a quantitative method with data collection techniques through questionnaires. Data analysis was conducted using structural equation model approach with SmartPLS 4 application. The findings showed that the existence of positive and significant influence between the relationship of Brand Consciousness to Repurchase Intention, Brand Consciousness to Customer Loyalty, Customer Loyalty to Repurchase Intention, and Customer Loyalty was able to mediate the relationship between Brand Consciousness and Repurchase Intention. In the perspective of Islamic business, all economic activities must be based on Sharia values such as honesty, justice, responsibility, and not harming others.

The Effect of Perceived Quality and Perceived Value on Repurchase Intention in Consumers of Chicken Salto Products with Customer Satisfaction as a Mediation Variable in an Islamic Business Perspective (Study on Consumers of Salto Chicken Bandar Lampung) Jihan Agustin; Siska Yuli Anita; Sania Nuraziza
Majapahit Journal of Islamic Finance and Management Vol. 5 No. 4 (2025): Islamic Finance and Management
Publisher : Universitas KH. Abdul Chalim Mojokerto

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.31538/mjifm.v5i4.631

This study aims to examine how Perceived Quality and Perceived Value relate to Repurchase Intention, mediated by Customer Satisfaction, among consumers of chicken salto products. This study uses an exploratory method with a quantitative approach, with a sample size of 96 respondents and data analysis using Structural Equation Modelling (SEM) and Partial Least Square (PLS) analysis techniques. The findings of this study indicate a positive and significant effect on the relationship between Perceived Value and Repurchase Intention, Perceived Quality and Customer Satisfaction, Perceived Value and Customer Satisfaction, Customer Satisfaction and Repurchase Intention, Customer Satisfaction mediating the effect of Perceived Quality on Repurchase Intention, and Customer Satisfaction mediating the effect of Perceived Value on Repurchase Intention. Additionally, there are results that do not affect the relationship between Perceived Quality and Repurchase Intention.

The Influence of Brand Consciousness on Repurchase Intention with Customer Loyalty as a Mediation Variable in Islamic Business Perspective (Study on Generation Z Colorbox Customers in Bandar Lampung) Mella Rosyana Fitri; Vicky F Sanjaya; Sania Nuraziza
Majapahit Journal of Islamic Finance and Management Vol. 6 No. 1 (2026): Islamic Finance and Management
Publisher : Universitas KH. Abdul Chalim Mojokerto

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.31538/mjifm.v6i1.704

This study aims to analyze the influence of Brand Consciousness and Repurchase Intention mediated by Customer Loyalty on Generation Z Colorbox customers in Bandar Lampung in the perspective of Islamic Business. This study focused on 96 respondents from Generation Z in Bandar Lampung. selected through purposive sampling techniques. The research method used is a quantitative method with data collection techniques through questionnaires. Data analysis was conducted using structural equation model approach with SmartPLS 4 application. The findings showed that the existence of positive and significant influence between the relationship of Brand Consciousness to Repurchase Intention, Brand Consciousness to Customer Loyalty, Customer Loyalty to Repurchase Intention, and Customer Loyalty was able to mediate the relationship between Brand Consciousness and Repurchase Intention. In the perspective of Islamic business, all economic activities must be based on Sharia values such as honesty, justice, responsibility, and not harming others.

Pengaruh Profitabilitas Terhadap Return Saham Dengan Nilai Perusahaan Sebagai Variabel Mediasi Pada Jakarta Islamic Indeks (JII) Sektor Industri Barang Konsumsi Periode 2019–2024 Nadila Triaa; Siska Yuli Anita; Sania Nuraziza
Jurnal Manajemen, Akuntansi, Ekonomi Vol. 4 No. 3 (2026): Jurnal Manajemen, Akuntansi, Ekonomi
Publisher : CV. Era Digital Nusantara

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.59066/jmae.v4i3.1812

Penelitian ini bertujuan untuk menganalisis pengaruh profitabilitas terhadap return saham dengan nilai perusahaan sebagai variabel mediasi pada sektor industri barang konsumsi yang tergabung dalam Jakarta Islamic Index (JII) periode 2019–2024. Profitabilitas diukur menggunakan Return on Assets (ROA), nilai perusahaan menggunakan Price to Book Value (PBV), dan return saham dihitung berdasarkan selisih harga saham akhir periode. Penelitian ini menggunakan pendekatan kuantitatif dengan data sekunder yang diperoleh dari laporan keuangan tahunan dan publikasi Bursa Efek Indonesia. Sampel terdiri dari lima perusahaan yang dipilih melalui metode purposive sampling. Analisis data menggunakan regresi berganda dan uji mediasi (Sobel Test). Hasil penelitian secara eksplisit menunjukkan bahwa profitabilitas berpengaruh positif terhadap nilai perusahaan, tetapi tidak memiliki pengaruh langsung terhadap return saham. Selain itu, nilai perusahaan tidak berperan sebagai variabel mediasi dalam hubungan antara profitabilitas dan return saham. Temuan ini menegaskan bahwa peningkatan laba perusahaan hanya akan berdampak pada return saham jika diikuti oleh persepsi pasar yang positif, yang tercermin dalam peningkatan nilai perusahaan.

Pengaruh AI Recommendation System dan AI Chatbot Service Quality terhadap Kepuasan Konsumen Pengguna GoPay: Peran Moderasi Customer Experience dalam Perspektif Bisnis Islam Amri Luthfiansyah; Rosydalina Putri; Sania Nuraziza
TANSIQ: Jurnal Manajemen dan Bisnis Syariah TANSIQ │ Vol. 9 │ No. 1 │ 2026
Publisher : Universitas Islam Negeri Sumatera Utara Medan

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.30821/tq.v8i3.30556

Perkembangan Artificial Intelligence (AI) pada layanan financial technology mendorong penyedia dompet digital meningkatkan kualitas layanan dan kepuasan konsumen melalui fitur berbasis AI. Namun, penelitian terdahulu menunjukkan hasil yang belum konsisten mengenai pengaruh AI Recommendation System dan AI Chatbot Service Quality terhadap kepuasan konsumen, khususnya terkait peran Customer Experience sebagai variabel moderasi. Penelitian ini menguji hipotesis bahwa AI Recommendation System dan AI Chatbot Service Quality berpengaruh positif terhadap Kepuasan Konsumen, serta Customer Experience memoderasi hubungan tersebut. Penelitian menggunakan pendekatan kuantitatif dengan jenis eksplanatori terhadap 120 pengguna GoPay di Kota Bandar Lampung yang dipilih menggunakan teknik purposive sampling. Analisis data dilakukan dengan Partial Least Squares-Structural Equation Modeling (PLS-SEM) menggunakan SmartPLS 4.1.1.8. Hasil penelitian menunjukkan bahwa AI Recommendation System dan AI Chatbot Service Quality berpengaruh positif dan signifikan terhadap Kepuasan Konsumen. Sebaliknya, Customer Experience tidak mampu memoderasi hubungan kedua variabel tersebut dengan Kepuasan Konsumen. Temuan ini menunjukkan bahwa kualitas fungsional layanan berbasis AI berperan lebih penting dalam meningkatkan kepuasan konsumen dibandingkan Customer Experience sebagai variabel moderasi serta memberikan implikasi bagi pengembangan layanan fintech berbasis AI.

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