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All Journal Jurnal Riset Entrepreneurship Al Fiddhoh: Journal of Banking, Insurance, and Finance Review of Islamic Social Finance and Entrepreneurship Journal of Islamic Economic Scholar Rangkiang: Journal of Islamic Economics and Business
Mustion, Seppi
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Religion Economics, Econometrics & Finance Social Sciences

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PENGARUH KESADARAN HALAL, INFLUENCER, DAN ASAL PRODUK TERHADAP MINAT BELI PRODUK SKINCARE SAFI DI KOTA PADANG Mustion, Seppi; Nofriani, Olda; Wulandari, Natasya Amelia
Jurnal Riset Entrepreneurship Vol 7 No 1 (2024): (Edisi Pebruari) Volume 7, Nomor 1, Tahun 2024
Publisher : Universitas Muhammadiyah Gresik

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.30587/jre.v7i1.7098

Abstract

The aim of the research is to analyze the influence of halal awareness, influencers and product origin on interest in using Safi skincare products in Padang City. In line with that, we also want to see how the relationship between age factors such as age and length of product use impacts interest in buying skincare, both directly and indirectly. An explanation of these factors will strengthen previous findings which state that the main factor is interest in purchasing halal skincare. The method used is quantitative research. This research uses g-form to distribute an online survey collecting primary data from a total of 112 data using SPSS 25 analysis tools. The results of this research are that the influence of halal product awareness has a positive effect on interest in buying halal safi products in the city of Padang and The influence of influencers has a positive effect on interest in buying Safi products in Padang City and the influence of product origin has no effect on interest in buying Safi products in Padang City. This has implications. Many consumers are still not aware that this continues to happen regarding the importance of halal awareness, even though halal is a crucial factor for the continuity of economic activities, including halal skin care products which are more guaranteed and in line with Islamic teachings. And Safi needs to increase halal awareness from the combination of the two strategically so that it can attract and increase consumer interest.
Veil Type Selection Based on Perceptions of its Main Function: Its Impact on Fashion Spending Fitri, Wahyu Annisa; Mustion, Seppi; Sausan, Putri Diani
Journal of Islamic Economic Scholar Vol. 3 No. 2 (2022)
Publisher : FEBI UIN Sunan Kalijaga

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.14421/jies.2022.3.2.%p

Abstract

As time goes by, veil (the hijab) which is originally an obligation enacted by the religious teaching, nowadays developed into a fashion trend. Veil is not just a simple fashion component with the main purpose of covering the female head and another part of body which should not be seen by the others (aurat). Certain accessories often become addition to veil (fashionable) due to the aesthetic reason making it demands a greater spending rather than not wearing any veil at all. It is a veiling phenomenon that we might call as the “Above Mecca, below Mall” style. On the other hand, internalized value as a component of VBN (Value-Belief-Norm) theory might be more dominant in affecting her subjective norm and therefore translated into her perception that veiling is an obligation of religious teaching which she must obey rather than the surrounding external environment such as trends among her peer groups or workplace rules. Our raw data was collected from 150 female students divided into 3 groups; veil weares type-1 (sharia veil), type-2 (fashionable veil) and non (non-veil) wearers, from 5 universities in Padang City, West Sumatra Province. The analysis was done in two sequential steps. Firstly, we revealed which one among the two concepts is the most prioritized and converted it into a score using an important variable named perception using AHP (Analytical Hierarchical Process) instrument. As the second step, multinomial logit model was used as the first-stage of 2-SLS regression where the perception score is one of several dependent variables, then an outcome prediction (what) was used at the second instrumented stage on veil type wearers. The study found that veil type-1 users have smaller fashion spending allocation rather than the two other sample groups. This indicates that marketers should design their strategies keeping in mind that female college students consumers at Padang city are influenced by significant others when making their purchasing decisions
Implementation of Sharia Governance and its Implications on BPRS Reputation Mustion, Seppi; Handra , Rana Nurulita; Sausan, Putri Diani
Rangkiang: Journal of Islamic Economics and Business Vol. 3 No. 1 (2025): Islamic Economic
Publisher : Denisya Smart Consulting

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.70072/rangkiang.v3i1.143

Abstract

This study empirically investigates the influence of sharia governance on customer trust and bank reputation among Sharia People's Financing Banks (BPRS) in West Sumatra, Indonesia. Additionally, it analyzes the mediating role of customer trust on BPRS reputation. The research addresses a gap in the existing literature concerning the specific interactions of these variables within the BPRS context. The Partial Least Squares-Structural Equation Modeling (PLS-SEM) methodology was employed for data analysis, utilizing secondary data from audited annual financial reports of BPRS for the period 2019-2022, obtained from the Financial Services Authority (OJK) website. The research sample was selected using a purposive sampling technique, encompassing BPRS across several regencies/cities in West Sumatra. Key findings indicate that sharia governance, measured by the number of directors and commissioners, has a significant positive influence on customer trust (t-statistic = 4.970, p-value = 0.000). This result affirms that robust sharia governance implementation is crucial for fostering customer trust. However, the findings reveal that sharia governance does not directly and significantly impact BPRS reputation (t-statistic = 0.868, p-value = 0.386), suggesting an indirect influence pathway. Conversely, customer trust demonstrates a highly significant and positive influence on BPRS reputation (t-statistic = 9.330, p-value = 0.000). The implications of this study suggest that for BPRS in West Sumatra, prioritizing strong sharia governance will fundamentally enhance customer trust. This trust, in turn, serves as a primary driver for improving and maintaining the bank's reputation, which is essential for the sustainable growth and stability of sharia financial institutions in the region
Green finance from the perspective of Islamic social finance: A case study of microfinance practices in Istanbul Hendra, Testru; Mustion, Seppi; Nasution, Karimaturrizky Syukri; Handra, Rana Nurulita
Review of Islamic Social Finance and Entrepreneurship Volume 4 Issue 2, 2025
Publisher : Center for Islamic Economics and Development Studies [P3EI]

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.20885/RISFE.vol4.iss2.art6

Abstract

Purpose – This study aims to explore and analyze the integration of green finance principles with Islamic microfinance practices in Istanbul, Turkey. Specifically, it examines how Islamic microfinance institutions incorporate environmental and social sustainability values into their operational activities and investigates the role of Islamic social finance instruments, such as zakat, infak, sedekah, waqf, and qard al-hasan, in supporting the achievement of the Sustainable Development Goals (SDGs).Methodology – Employing a qualitative research design with a case study approach, data were collected through in-depth interviews, participatory observations, and document analysis involving key stakeholders of Islamic microfinance institutions in Istanbul. The data were analyzed using thematic analysis to uncover recurring patterns and themes related to the adoption of green finance principles. The key variables examined included environmental sustainability, social sustainability, Sharia compliance, and the effectiveness of Islamic social finance tools.Findings – Findings indicate a positive but partial integration of green finance principles into Islamic microfinance practices, with notable contributions from zakat and waqf in promoting social welfare and environmental responsibility. However, challenges such as regulatory constraints, limited awareness, and difficulties in measuring impact have also been identified.Implications – These implications underscore the need for enhanced regulatory support, capacity building, and awareness programs to foster a more robust and sustainable Islamic microfinance sector.Originality – This study contributes both conceptually and practically to the literature on sustainable Islamic finance and provides strategic recommendations for policymakers, practitioners, and researchers. This study is expected to support the advancement of inclusive, ethical, and environmentally responsible microfinance models aligned with Sharia principles and global sustainability agendas.
ISLAMIC CORPORATE GOVERNANCE AND ISLAMICITY PERFORMANCE INDEX ON FRAUD IN SHARIA COMMERCIAL BANKS Mustion, Seppi; Hendri, Davy; Arsy, Wushi Adilla
Al Fiddhoh: Journal of Banking, Insurance, and Finance Vol. 5 No. 1 (2024): Al Fiddhoh: Journal of Banking, Insurance, and Finance
Publisher : Institut Agama Islam Negeri Kerinci

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.32939/fdh.v5i1.3511

Abstract

This study aims to impact Islamic corporate governance and fraud in Islamic banks. The Effect of Islamic Corporate Governance on Fraud in Islamic Commercial Banks. And Effect of Islamicity Performance Index on Fraud in Islamic Commercial Banks. This study uses quantitative methods and panel data on Islamic corporate governance variables. Islamicity Performance Index, and ICG and IPI Interaction. The results of this study The effect of positive ICG on fraud Regression Test Results The ICG variable has a coefficient of 4,377,977 and a probability of 0.015, more excellent than 0.05 based on the test. The ICG variable statistically means that the higher the ICG score, the more fraud cases increase, which results in a positive IPI influence on fraud. The results of the Regression Test Variable X1 has a coefficient of 3.536459 and a probability of 0.043, which is less than 0.05, while the variable X2 has a coefficient of -6.62755 and a probability of 0.003 is less than 0.05, which means that isn't it according to theory? If ICG and IPI increase, fraud will decrease, and Interaction Results in This Research Produce a new Variable. Regression Test Results Variable X1 has a coefficient of 17.47975 and a Probability of 0.007, which is less than 0.05, and Variable X2 has a coefficient of 4.735987 and a Probability of 0.406, which is more significant than 0.05 can be interpreted in the same direction and the Interaction Between X1, X2 ICG and IPI can be said to be Perfect that ICG Initially positive, from the ICG results, IPI becomes negative. Significantly, the higher the IPI score. An increase in ICG will reduce fraud cases.
Co-Authors Arsy, Wushi Adilla Davy Hendri, Davy Fitri, Wahyu Annisa Handra , Rana Nurulita Handra, Rana Nurulita Nasution, Karimaturrizky Syukri Nofriani, Olda Sausan, Putri Diani TESTRU HENDRA Wulandari, Natasya Amelia