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All Journal Among Makarti Media Trend: Berkala Kajian Ekonomi dan Studi Pembangunan EKONOMIS : Journal of Economics and Business Banco: Jurnal Manajemen dan Perbankan Syariah Al-Kharaj: Jurnal Ekonomi, Keuangan & Bisnis Syariah INOVASI: Jurnal Ekonomi, Keuangan, dan Manajemen
Mu'arrif, Zul Ihsan
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Religion Agriculture, Biological Sciences & Forestry Humanities Decision Sciences, Operations Research & Management Economics, Econometrics & Finance Industrial & Manufacturing Engineering Law, Crime, Criminology & Criminal Justice Social Sciences

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Analysis of Investment Interest in Islamic Banks and Influencing Factors (A Study on Entrepreneurs in Sungai Penuh City) Novera, Cici Mailina; Mu'arrif, Zul Ihsan; Yudeseman, Yudeseman
MediaTrend Vol 19, No 2 (2024): OKTOBER
Publisher : Trunojoyo University of Madura

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.21107/mediatrend.v19i2.26508

Abstract

This research focuses on analyzing the investment interest of entrepreneurs in Sungai Penuh City, taking into account independent variables such as culture, trust, and service quality. The sampling method employed was simple random sampling, and data were obtained from 101 respondents who filled out the questionnaire both online and offline. The results of this study indicate the rejection of all three research hypotheses. Culture does not have a significant influence on investment interest. Trust also does not significantly affect investment interest. Additionally, service quality does not have a significant impact on investment interest. Overall, these findings affirm that statistically, culture, trust, and service quality do not have a significant influence on the investment interest of entrepreneurs in Sungai Penuh City.
PERAN AKSES PERMODALAN NON PERBANKAN MELALUI PROGRAM PNM MEKAAR DALAM PENGEMBANGAN UMKM PEREMPUAN DI KOTA SUNGAI PENUH Pratami, Khinanthi Adellia; Mu'arrif, Zul Ihsan
Among Makarti Vol 18, No 1 (2025): Among Makarti
Publisher : STIE AMA Salatiga

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.52353/ama.v18i1.832

Abstract

Abstract : The foundation of this investigate centers on the  limited access of women entrepreneurs in MSMEs (Micro, Small, and Medium Enterprises) to financing from official financial establishments, which has made non-bank programs like PNM Mekaar a strategic alternative in promoting women’s economic empowerment. The purpose of this study is to examine the function of non-bank funding access through the PNM Mekaar program in supporting the development of MSMEs run by women in Sungai Penuh City. The study uses a qualitative methodology with a phenomenological method, where data is collected through in-depth interviews with 10 women MSME entrepreneurs who are recipients of loans from PNM Mekaar. Data reduction, data display, and conclusion drawing are all part of the Miles and Huberman model of analysis. The results show that access to financing from PNM Mekaar positively affects the development of women’s businesses, including improvements in working capital, entrepreneurial skills, and self-confidence. However, challenges such as the lack of continued mentoring and socio-cultural barriers affecting business development were also found. In conclusion, the PNM Mekaar program plays a crucial role in supporting women’s economic empowerment but needs to be accompanied by more comprehensive and sustainable empowerment strategies.Abstrak : Dasar dari penelitian ini berfokus pada keterbatasan akses perempuan pelaku UMKM (Usaha Mikro, Kecil, dan Menengah) terhadap pembiayaan dari lembaga keuangan resmi, yang menjadikan program non-bank seperti PNM Mekaar sebagai alternatif strategis dalam mendorong pemberdayaan ekonomi perempuan. Tujuan dari penelitian ini adalah untuk mengkaji peran akses permodalan non-perbankan melalui program PNM Mekaar dalam mendukung pengembangan UMKM yang dijalankan oleh perempuan di Kota Sungai Penuh. Penelitian ini menggunakan pendekatan kualitatif dengan metode fenomenologi, di mana data dikumpulkan melalui wawancara mendalam dengan 10 perempuan pelaku UMKM yang menjadi penerima pembiayaan dari PNM Mekaar. Analisis data dilakukan dengan menggunakan model Miles dan Huberman, yang meliputi reduksi data, penyajian data, dan penarikan kesimpulan. Hasil penelitian menunjukkan bahwa akses pembiayaan dari PNM Mekaar memberikan dampak positif terhadap perkembangan usaha perempuan, termasuk peningkatan modal kerja, keterampilan kewirausahaan, dan rasa percaya diri. Namun demikian, ditemukan pula tantangan seperti kurangnya pendampingan berkelanjutan dan hambatan sosial budaya yang memengaruhi perkembangan usaha. Sebagai kesimpulan, program PNM Mekaar memainkan peran penting dalam mendukung pemberdayaan ekonomi perempuan, namun perlu didukung oleh strategi pemberdayaan yang lebih komprehensif dan berkelanjutan.
Assessing Sharia-Based Service Quality for Sustainable Banking Management in Islamic Financial Institutions Aprianti, Vina; Mu'arrif, Zul Ihsan
BANCO: Jurnal Manajemen dan Perbankan Syariah Vol 7 No 2 (2025): Banco: Jurnal Manajemen dan Perbankan Syariah
Publisher : Institut Agama Islam Negeri Parepare

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.35905/banco.v7i2.14704

Abstract

Purpose – This study evaluates customer perceptions and experiences of Sharia-based service quality in Islamic financial institutions, emphasizing its role in fostering sustainable banking management. It explores how the alignment between service delivery and Islamic principles influences customer satisfaction, loyalty, and long-term institutional resilience. Method – A qualitative descriptive approach was adopted, utilizing in-depth interviews with selected customers who actively engage in banking transactions. Purposive sampling ensured the inclusion of participants capable of providing nuanced insights into service delivery and its Sharia compliance. Findings – Results reveal that adherence to Sharia principles, combined with professionalism, transparency, and customer-centered interactions, strengthens customer trust and satisfaction. Positive experiences often translate into loyalty and advocacy, while customer knowledge, cultural values, and needs further shape perceptions. The integration of Islamic ethical values into service quality emerges as a strategic driver for sustaining competitive advantage. Practical implications – Islamic banks should integrate Sharia compliance with a sustainability-oriented service culture through continuous staff training, customer education, and quality assurance mechanisms. This dual focus enhances not only regulatory adherence but also the long-term viability of Islamic financial institutions. Originality/value – This research extends the literature on Islamic service quality by linking Sharia compliance to sustainable banking management, offering actionable insights for policymakers, managers, and practitioners seeking to optimize both customer experience and institutional sustainability
Perbandingan Model Promosi pada Platform Facebook, Instagram, dan Tiktok terhadap Keputusan Pembelian berdasarkan model AISAS Aulia, Hafizah; Mu'arrif, Zul Ihsan; Sumanti, Eva
Ekonomis: Journal of Economics and Business Vol 8, No 2 (2024): September
Publisher : Universitas Batanghari Jambi

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.33087/ekonomis.v8i2.1818

Abstract

This research aims to determine the comparison of promotional models on social media on generation Z purchasing decisions in Sungai Full based on the AISAS (Attention, Interest, Search, Action and Share) marketing communication model. In this study, data was collected through the questionnaire method. The population of this study was Generation Z in Sungai Penuh (11-25 years), and the sample used was 90 people. Data analysis in this study used Smart PLS 3.0. The results of this research show that Instagram is the social media that is widely used by generation Z in Sungai Penuh namely 72.2%, 62.2% of TikTok users, and only 26.7% of Facebook, and promotions using the AISAS (Attention, Interest) model. , search, action and share) on social media Facebook do not have a significant effect on purchasing decisions in generation Z in Sungai Penuh. On social media Instagram it is known that interest, search and share have a significant effect on purchasing decisions in generation Z in Sungai Penuh, while attention and action does not have a significant effect on purchasing decisions in Generation Z in Sungai Penuh, on Tiktok social media, attention, interest and share have a significant effect on purchasing decisions in Generation Z in Sungai Penuh, while search and action do not have a significant effect on purchasing decisions in Generation Z in Sungai Penuh.
Pengaruh ROA, NPM, GPM dan Inflasi terhadap ROE pada Bank Syariah di Indonesia Oktaviani; Mu'arrif, Zul Ihsan; Syukrawati
Al-Kharaj: Jurnal Ekonomi, Keuangan & Bisnis Syariah Vol. 6 No. 6 (2024): Al-Kharaj: Jurnal Ekonomi, Keuangan & Bisnis Syariah (in Press)
Publisher : Intitut Agama Islam Nasional Laa Roiba Bogor

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.47467/alkharaj.v6i6.2884

Abstract

The research was conducted in order to determine the effect of ROA(X1), NPM(X2), GPM(X3) and Inflation(X4) on ROE(Y) in Islamic banks in Indonesia. The research uses a quantitative approach with descriptive and associative strategies. Supporting information and measurements based on secondary data and statistical software. The population in this research is Islamic financial institutions in Indonesia and the sample is 4 Islamic financial institutions in Indonesia. Then the data obtained comes from the financial reports of 4 banks for the last five years and is calculated using profitability ratio calculations, namely calculating ROA, ROE, NPM, GPM. The external variable used is inflation. Inflation information is obtained from the Bi.go.id website. From the results of calculating profitability ratios, this information is then handled using SPSS by carrying out classical assumptions, regression tests and hypothesis tests. The test results show that the variable ROA(X1) has t = 2.249 > r table = 0.4438 with a significance value of 0.0400 <0.05, the variable NPM (X2) has a t value of 0.901> R table = 0.4438 with significance value 0.382> 0.05. The GPM variable (X3) includes t = 0.883 > R table = 0.4438 with a significance value of 0.391 > 0.05, the inflation variable (X4) has a value of t = -1.100 > R table = 0.4438 with a significance value of 0.289 > 0 .05. Based on the tests carried out in this research, it appears that the ROA (X1), NPM (X2), inflation (X4) factors have an effect on ROE and the GPM variable (X3) has no effect on ROE in Islamic banks in Indonesia.  
Pengaruh sales promotion, Content Marketing, dan shopping lifestyle terhadap keputusan impulse buying pada e-commerce Kharisma, Puja; Mu'arrif, Zul Ihsan; Putra, Eka
INOVASI: Jurnal Ekonomi, Keuangan, dan Manajemen Vol. 20 No. 3 (2024): Agustus
Publisher : Fakultas Ekonomi dan Bisnis Universitas Mulawarman

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.30872/jinv.v20i3.1814

Abstract

Penelitian ini bertujuan untuk melihat pengaruh sales promotion, content marketing dan shopping lifestyle terhadap keputusan impulse buying. Populasi penelitian ini adalah mahasiswa IAIN Kerinci yang melakukan aktivitas belanja di platform e-commerce Shopee. Pengambilan sampel dilakukan pada mahasiswa dari berbagai fakultas di IAIN Kerinci, dengan menggunakan rumus Isaac dan Michael dengan margin of error 1%, sehingga diperoleh jumlah sampel sebanyak 182 mahasiswa. Sebaran sampelnya adalah FTIK 61 orang, FEBI 42 orang, Faksyar 40 orang, dan FUAD 39 orang. Pengumpulan data dilakukan melalui penyebaran kuesioner menggunakan Google Forms., dilengkapi dengan data sekunder yang diperoleh melalui tinjauan pustaka. Data yang terkumpul dianalisis dengan menggunakan perangkat lunak SPSS Versi 25. Hasil pengujian menunjukkan bahwa variabel sales promotion (X1) memberikan pengaruh positif yang signifikan secara statistik terhadap pembelian impulsif (Y), dibuktikan dengan signifikansi nilai t sebesar 0,000. Sebaliknya variabel content marketing (X2) tidak mempunyai pengaruh yang signifikan terhadap impulse buying (Y) yang ditunjukkan dengan signifikansi nilai t sebesar 0,390. Sedangkan variabel shopping lifestyle (X3) menunjukkan hubungan yang positif dan signifikan terhadap impulse buying (Y) didukung dengan signifikansi nilai t sebesar 0,015.
Co-Authors Aprianti, Vina Aulia, Hafizah Eka Putra Kharisma, Puja Novera, Cici Mailina Oktaviani Pratami, Khinanthi Adellia Sumanti, Eva Syukrawati Yudeseman, Yudeseman