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Kepuasan Pelaku UMK Terhadap Layanan Sertifikasi Halal Self-Declare Oleh Pendamping Proses Produk Halal Pusat Studi Kajian Halal Universitas Jambi Padlan, Muhammad; Isnaeni, Nurida; Lubis, Paulina
Najaha Iqtishod: Journal of Islamic Economic and Finance Vol. 6 No. 3 (2025): 2025
Publisher : Fakultas Ekonomi dan Bisnis, Universitas Jambi

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.22437/jief.v6i3.50871

Abstract

Penelitian ini bertujuan untuk menganalisis tingkat kepuasan pelaku usaha mikro dan kecil di Kota Jambi terhadap layanan mentoring sertifikasi halal gratis (self-declare) yang diselenggarakan oleh Pendampingan Proses Produk Halal (P3H) dari Pusat Studi Halal Universitas Jambi. Metode yang digunakan dalam studi ini bersifat kualitatif. Hasil studi menunjukkan bahwa pelaku usaha mikro dan kecil menyatakan kepuasan yang sangat baik dan tinggi pada dimensi Tangible dan Assurance, serta cukup baik pada dimensi Responsiveness dan Empathy. Namun, kepuasan menurun setelah proses sertifikasi halal dilaksanakan, khususnya pada tahap penerbitan sertifikat halal, dengan ditemukan kelemahan dan ketidakpuasan yang signifikan pada dimensi Reliability. Ketidakpuasan pelaku usaha mikro dan kecil disebabkan oleh kegagalan pendamping dalam menangani proses sertifikasi halal, terutama dalam aspek penempatan janji hasil pendampingan, di mana sertifikat tidak diterbitkan dan tidak ada kepastian setelah pengiriman data, bahkan setelah menunggu lebih dari satu tahun. Kegagalan pada dimensi Keandalan ini menjadi penyebab utama penurunan kepuasan pelaku usaha terhadap proses bimbingan. Disarankan untuk memperbaiki sistem administrasi, pengumpulan data, dan pemantauan pasca-bimbingan untuk memastikan penerbitan sertifikat halal, serta meningkatkan komunikasi proaktif, tindak lanjut, dan penyediaan sistem informasi yang transparan mengenai status bagi pelaku usaha.
Analisis Strategi Meningkatkan Minat Masyarakat Seberang Kota Jambi Terhadap Bank Syariah Ayu Marta; Lucky Enggrani Fitri; Paulina Lubis
JOURNAL OF SHARIA ECONOMICS Vol. 6 No. 1 (2024): Journal of Sharia Economics
Publisher : Program Studi Ekonomi Syariah, Fakultas Ekonomi dan Bisnis Islam, Universitas Al Hikmah Indonesia

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.35896/jse.v6i1.794

Abstract

This research aims to determine the factors causing the low of interest of the people of Seberang Jambi City towards Sharia Banks, to find out and analyze opportunities, challenges and strategies that can be implemented to increase the interest of the people of Seberang Jambi City. This research uses a qualitative approach. The data source used in this research is primary. Data collection techniques were carried out using observation, interviews and documentation methods. The data analysis technique used in this research is SWOT analysis. The results of this research show that there are 2 factors causing the low interest of the people of Seberang Jambi City, namely internal and external factors. Internal factors namely; work encouragement factors, social environment encouragement and trust. Meanwhile, external factors causing the low interest of people across Jambi City in Sharia Banking are; Sharia Bank knowledge and products, promotion and outreach, location and facilities. The strategy to increase the interest of the people across Jambi City in Syariah Banking is to carry out regular outreach about sharia banking products, collaborate with all Islamic boarding school institutions across Jambi City, promote through distributing brochures and social media, and increase ATMs at strategic points .
Pengaruh Minat Dan Tingkat Harga Terhadap Preferensi Masyarakat Muslim Yang Akan Menggunakan Akad Murabahah Pada KPR Bank Syariah Di Kota Jambi Natasha Aurora Geraldine; Paulina Lubis; Ary Dean Amri
JOURNAL OF SHARIA ECONOMICS Vol 7 No 1 (2025): Jounal of Sharia Economics
Publisher : Program Studi Ekonomi Syariah, Fakultas Ekonomi dan Bisnis Islam, Universitas Al Hikmah Indonesia

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.35896/jse.v7i1.1037

Abstract

This study aims to determine the description of interest, price level, and preference of Muslim community using murabahah contract on KPR Bank Syariah in Jambi City, analyze the influence of interest, price level on the preference of Muslim community using murabahah contract on KPR Bank Syariah in Jambi City partially, and analyze the influence of interest and price level on the preference of Muslim community using murabahah contract on KPR Bank Syariah in Jambi City simultaneously. The population in this study was 412,850 residents of Jambi City who are Muslim and are included in the productive age category. The analysis method in this study is quantitative data analysis technique. The results of the research that has been conducted: 1) Public interest in Murabahah contract in KPR Bank Syariah is moderate. This shows that people are starting to realize the importance of sharia-based financing, but have not fully made it their main choice. 2) Price level has a significant influence on public preference in choosing Murabahah contract. 3) Interest does not have a significant effect on preference. 4) Interest and price level influence the preference of Muslim community to use murabahah contract on KPR Bank Syariah in Jambi City simultaneously.
Analisis Penerapan Etika Bisnis Islam Pedagang Sembako Dalam Meningkatkan Loyalitas Pelanggan Di Pasar Anyar Tangerang Sildaina Mutmainnah; Paulina Lubis; Muhammad Roihan; Rafiqi .
JOURNAL OF SHARIA ECONOMICS Vol. 6 No. 2 (2024): Journal of Sharia Economics
Publisher : Program Studi Ekonomi Syariah, Fakultas Ekonomi dan Bisnis Islam, Universitas Al Hikmah Indonesia

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.35896/jse.v6i2.1066

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This study aims to analyze the application of Islamic business ethics by grocery traders in Pasar Anyar Tangerang in increasing customer loyalty. This study uses a qualitative method with data collection techniques through observation, interviews, and documentation. The theory used in this study is the four axioms of Islamic ethics according to Syed Nawab Haider Naqvi, namely tauhid (unity), balance (equilibrium), free will, and responsibility (responsibility). The results of the study show that traders apply Islamic ethical values ​​such as honesty, religiosity, justice, good service in providing freedom of transaction to customers, and responsibility in maintaining the quality and comfort of buyers. The application of these values ​​has been proven to play a role in increasing customer loyalty, which is reflected in indicators such as repeat purchases, trust, and willingness to recommend to others. In addition, despite the challenges due to the market revitalization process, traders continue to strive to maintain the principles of Islamic ethics in trading, which has a positive impact on customer loyalty.
PENGARUH LITERASI DAN INKLUSI KEUANGAN SYARIAH TERHADAP KEMANDIRIAN EKONOMI PEREMPUAN PELAKU UMKM DI KOTA JAMBI Tiara Assyfa; Paulina Lubis; Yusuf Zaini Aprizal
Iqtishaduna: Jurnal Ilmiah Mahasiswa Hukum Ekonomi Syariah Vol 7 No 3 (2026): April
Publisher : Jurusan Hukum Ekonomi Syariah Fakultas Syariah dan Hukum Uin Alauddin Makassar

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.24252/iqtishaduna.v7i3.66361

Abstract

Abstrak Penelitian ini bertujuan menganalisis pengaruh literasi keuangan syariah dan inklusi keuangan syariah terhadap kemandirian ekonomi perempuan pelaku UMKM di Kota Jambi. Pendekatan yang digunakan bersifat kuantitatif dengan jenis penelitian asosiatif kausal. Populasi penelitian adalah perempuan pelaku UMKM yang menggunakan layanan keuangan syariah, dengan sampel 96 responden ditentukan berdasarkan rumus Lemeshow dan rekomendasi PLS-SEM. Data dikumpulkan melalui kuesioner skala Likert dan dianalisis menggunakan Partial Least Squares-Structural Equation Modeling. Hasil evaluasi Outer Model menunjukkan seluruh indikator valid dan reliabel. Inner Model memperlihatkan literasi keuangan syariah berpengaruh positif dan signifikan (t = 5,201; p = 0,000), demikian pula inklusi keuangan syariah (t = 4,264; p = 0,000). Secara simultan, kedua variabel memiliki pengaruh sangat kuat terhadap kemandirian ekonomi perempuan dengan R² = 0,872 dan Adjusted R² = 0,869, artinya 87,2% variasi kemandirian ekonomi dapat dijelaskan oleh literasi dan inklusi keuangan syariah. Nilai predictive relevance (Q²) > 0 menunjukkan kemampuan prediktif model baik. Kesimpulannya, penguatan literasi dan perluasan inklusi keuangan syariah terbukti efektif mendorong kemandirian ekonomi perempuan pelaku UMKM di Kota Jambi. Kata Kunci: Inklusi Keuangan Syariah, Kemandirian Ekonomi Perempuan, Literasi Keuangan Syariah, PLS-SEM, UMKM Kota Jambi.   Abstract This study aims to analyze the effect of Islamic financial literacy and Islamic financial inclusion on the economic independence of female MSME entrepreneurs in Jambi City. The research employs a quantitative approach with a causal-associative design. The population consists of female MSME entrepreneurs using Islamic financial services, with a sample of 96 respondents determined using the Lemeshow formula and PLS-SEM recommendations. Data were collected through Likert-scale questionnaires and analyzed using Partial Least Squares-Structural Equation Modeling. Outer Model evaluation indicated that all indicators were valid and reliable. The Inner Model results show that Islamic financial literacy has a positive and significant effect (t = 5.201; p = 0.000), as does Islamic financial inclusion (t = 4.264; p = 0.000). Simultaneously, both variables strongly influence female economic independence, with R² = 0.872 and Adjusted R² = 0.869, meaning 87.2% of the variation in economic independence is explained by financial literacy and inclusion. Predictive relevance (Q²) > 0 indicates good predictive capability. In conclusion, strengthening Islamic financial literacy supported by broader financial inclusion is an effective strategy to enhance the economic independence of female MSME entrepreneurs in Jambi City. Keywords: Islamic Financial Inclusion Female Economic Independence, Islamic Financial Literacy, PLS-SEM, MSMEs in Jambi.
PENGARUH PENGGUNAAN CASHLESS PAYMENT DAN LITERASI KEUANGAN TERHADAP PERILAKU KONSUMTIF GENERASI Z KOTA JAMBI Atika Ratu Kinanti; Paulina Lubis; Arfah; Nurida Isnaeni
Iqtishaduna: Jurnal Ilmiah Mahasiswa Hukum Ekonomi Syariah Vol 7 No 3 (2026): April
Publisher : Jurusan Hukum Ekonomi Syariah Fakultas Syariah dan Hukum Uin Alauddin Makassar

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.24252/iqtishaduna.v7i3.66414

Abstract

Abstrak Penelitian ini bertujuan untuk melihat pengaruh cashless payment dan literasi keuangan terhadap perilaku konsumtif generasi Z di Kota Jambi. Perubahan kecenderungan perilaku belanja dan pesatnya perkembangan teknologi pendukung transaksi keuangan, membawa pengaruh nyata dalam mempengaruhi perubahan perilaku pelanggan di tengah era transaksi digital. Penelitian ini menggunakan metode kuantitatif dengan pendekatan survey. Data diperoleh melalui penyebaran kuesioner kepada 97 responden yang merupakan generasi Z di Kota Jambi. Analisis data dilakukan dengan metode regresi linier berganda menggunakan software SPSS. Hasil penelitian menunjukkan bahwa secara parsial cashless payment (X1) tidak berpengaruh signifikan terhadap perilaku perilaku konsumtif generasi Z dan Literasi keuangan (X2) berpengaruh signifikan terhadap perilaku perilaku konsumtif generasi Z. Secara simultan pengaruh cashless payment dan literasi keuangan berpengaruh terhadap perilaku perilaku konsumtif generasi Z di Kota Jambi.  Kata kunci: Cashless Payment, Literasi Keuangan, Perilaku Konsumtif dan Generasi Z.   Abstract This research aims to examine the influence of cashless payment and financial literacy on the consumer behavior of generation Z in Jambi City. Changes in shopping behavior trends and the rapid development of technology supporting financial transactions have a real influence in influencing changes in customer behavior in the digital transaction era. This study uses a quantitative method with a survey approach. Data were obtained through distributing questionnaires to 97 respondents who are generation Z in Jambi City. Data analysis was carried out using multiple linear regression methods using SPSS software. The results of the study indicate that partially cashless payment (X1) has no significant effect on the consumer behavior of generation Z and financial literacy (X2) has a significant effect on the consumer behavior of generation Z. Simultaneously, the influence of cashless payment and financial literacy has an effect on the consumer behavior of generation Z in Jambi City.  Keyword: Cashless Payment, Financial Literacy, Consument Behavior and Generation Z.
Pengaruh Nilai Tuka, Inflasi, Likuiditas, Dan Harga Emas Terhadap Jumlah Deposito Mudharabah Pada PT Bank Syariah Indonesia (BSI) Tbk Periode 2021-2024 Ayyuasy Putri; Paulina Lubis; Yusuf Zaini Aprizal; Lucky Enggrani Fitri
JOURNAL OF SHARIA ECONOMICS Vol. 7 No. 2 (2025): Journal of Sharia Economics
Publisher : Program Studi Ekonomi Syariah, Fakultas Ekonomi dan Bisnis Islam, Universitas Al Hikmah Indonesia

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.35896/hepsmz20

Abstract

Mudharabah deposits are customer investment budgets that do not conflict with sharia principles. Withdrawals can only be made at certain times, by the agreement made between the bank and the investor. This study aims to determine the effect of exchange rates, inflation, liquidity, and gold prices on the amount of mudharabah deposits at PT. Bank Syriah Indonesia (BSI) Tbk for the period 2021-2024. This study uses a quantitative approach and the type of data used is secondary data, namely from the first quarter of 2021 to the fourth quarter of 2024. The analysis method in this study uses the multiple linear regression method with time series data or time series linear regression model. The results of this study indicate that the variables of exchange rates, inflation, and liquidity do not affect the amount of mudharabah deposits at PT. Bank Syriah Indonesia (BSI) Tbk, the gold price variable affects the amount of mudharabah deposits at PT. Bank Syriah Indonesia (BSI) Tbk with a p-value of 0.0227 at a real level <0.05, and simultaneously there is an influence between the variables of exchange rates, inflation, liquidity, and gold prices on the number of mudharabah deposits at PT. Bank Syriah Indonesia (BSI) Tbk. With an R-Square value of 67.43%.
Analisis Strategi Pelayanan Bank Muamalat Dalam Meningkatkan Mutu Dan Kepuasan Nasabah (Studi pada Bank Muamalat KC Jambi) Syahira Oksaniska; Paulina Lubis; Arfah; Novita Sari
JOURNAL OF SHARIA ECONOMICS Vol. 7 No. 1 (2025): Jounal of Sharia Economics
Publisher : Program Studi Ekonomi Syariah, Fakultas Ekonomi dan Bisnis Islam, Universitas Al Hikmah Indonesia

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.35896/a9tax585

Abstract

This study aims to analyze service strategies to improve service quality and customer satisfaction at the Bank Muamalat Jambi Branch Office. The study used a qualitative, descriptive approach. Data were collected through observation, in-depth interviews, and documentation involving management, employees, and customers as informants. Data analysis was conducted using an interactive model encompassing data reduction, data presentation, and conclusion drawing. It was supported by a SWOT analysis to identify strengths, weaknesses, opportunities, and threats within the service strategy. The results show that the implemented service strategy integrates aspects of professionalism and Sharia values, such as honesty, trustworthiness, and empathy. The implementation of this strategy is reflected in improved service quality through the dimensions of reliability, responsiveness, assurance, empathy, and tangibles. A personalized and transparent service approach has been proven to increase customer satisfaction. However, several obstacles remain, such as inefficient service times, limited facilities, and suboptimal utilization of digital services. This study concludes that a Sharia-based service strategy has a significant impact on improving service quality and customer satisfaction. Therefore, the development of innovative and adaptive service strategies is necessary to enhance the competitiveness of Islamic banking.
ENTREPRENEURIAL CAPACITY BUILDING AMONG WOMEN-HEADED HOUSEHOLDS : AN INTEGRATED FRAMEWORK OF SELF-RELIANCE, CREATIVITY, AND ENTREPRENEURSHIP TRAINING IN JAMBI CITY Isnaeni, Nurida; Indrawijaya, Sigit; Lubis, Paulina
Jurnal Manajemen Terapan dan Keuangan Vol. 15 No. 02 (2026): Jurnal Manajemen Terapan dan Keuangan
Publisher : Program Studi Manajemen Pemerintahan dan Keuangan Daerah Fakultas Ekonomi dan Bisnis Universitas Jambi

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.22437/jmk.v15i02.54168

Abstract

Abstract The rising number of Women-Headed Households in Indonesia has intensified household economic vulnerability, positioning entrepreneurship as a critical survival and empowerment strategy. However, the psychological mechanisms through which entrepreneurial intention is formed among economically vulnerable groups remain underexamined, as most evidence derives from student and general-enterprise populations. This study reconceptualizes entrepreneurship training as a capacity-building mechanism and examines how creativity and self-reliance shape entrepreneurial intention among Women-Headed Households in Jambi City. Grounded in Self-Determination Theory and interpreted through the Capability Approach, the study integrates creativity, self-reliance, entrepreneurial intention, and entrepreneurship training into a single explanatory model. A quantitative approach was applied, with data collected from 38 members of the SABDA community through stratified random sampling and analyzed using Partial Least Squares Structural Equation Modeling (SEM-PLS) in SmartPLS 4.0. The findings reveal that self-reliance exerts a positive and significant effect on both entrepreneurial intention and entrepreneurship training participation, and that entrepreneurial intention significantly strengthens training participation. In contrast, creativity shows a positive but statistically insignificant effect on both outcomes. These results indicate that within vulnerable populations, agentic capacity anchored in self-reliance is a more decisive driver of entrepreneurial readiness than ideational capacity anchored in creativity. The study contributes a capacity-building perspective to entrepreneurial-intention research, extends Self-Determination Theory to the context of vulnerable-group empowerment, and offers policy guidance for designing empowerment programs that prioritize the cultivation of autonomy and agency. Keywords: Entrepreneurial Capacity Building; Creativity; Self-Reliance; Entrepreneurship Training; Entrepreneurial Intention; Women-Headed Households
Pengaruh Aksesibilitas, Kepercayaan, dan Fitur Layanan Terhadap Keputusan Nasabah Menggunakan Aplikasi Muamalat Din (Digital Islamic Network) (Studi Pada Nasabah Bank Muamalat Kota Jambi) Utari, Ramadhita Dwi; Lubis, Paulina; Aprizal, Yusuf Zaini
Najaha Iqtishod: Journal of Islamic Economic and Finance Vol. 7 No. 2 (2026): 2026
Publisher : Fakultas Ekonomi dan Bisnis, Universitas Jambi

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.22437/jief.v7i2.59578

Abstract

Penelitian ini bertujuan menganalisis pengaruh aksesibilitas, kepercayaan, dan fitur layanan terhadap keputusan nasabah menggunakan aplikasi Muamalat DIN pada Bank Muamalat KC Jambi. Penelitian menggunakan pendekatan kuantitatif dengan sampel sebanyak 96 nasabah pengguna Muamalat DIN yang dipilih melalui teknik simple random sampling. Data dianalisis menggunakan metode Partial Least Squares-Structural Equation Modeling (PLS-SEM). Hasil penelitian menunjukkan bahwa aksesibilitas berpengaruh positif dan signifikan terhadap keputusan nasabah (t-statistic = 2,654; p-value = 0,008), kepercayaan berpengaruh positif dan signifikan (t-statistic = 4,119; p-value = 0,000), serta fitur layanan juga berpengaruh positif dan signifikan (t-statistic = 2,112; p-value = 0,035). Nilai R-square sebesar 0,675 menunjukkan bahwa aksesibilitas, kepercayaan, dan fitur layanan mampu menjelaskan 67,5% variasi keputusan nasabah dalam menggunakan Muamalat DIN. Temuan ini mengindikasikan bahwa kemudahan akses, tingkat kepercayaan yang tinggi, dan ketersediaan fitur yang sesuai kebutuhan menjadi faktor penting dalam mendorong penggunaan aplikasi Muamalat DIN.
Co-Authors Aditya Pratama Afi Parnawi Agil Teguh Al Romandon Alawi Amzah, Rudi Amri Amir Amri Amir Amri Amir Amri Amir Amri, Ari Dean AMRI, ARY DEAN Ananta Putri, Sashi Andayani, Regina Andre Prianto Anggraini, Rizki Anzari, Tiza Aprizal, Yusuf Zaini Arfah Arfah . Arfah, Arfah Atika Ratu Kinanti Ayu Marta Ayyuasy Putri Chairiyati, Fauziah Darwisyah Darwisyah, Darwisyah Devi Rahmawati, Devi Elsa Sonya Carentina Emilia Hamzah Enggraini Fitri, Luky Enggrani Fitri, Lucky Erfit Erfit Eva Eliza Evalina Alissa dan Arrie Budhiartie Evi Yulianti Fadillah Fadillah Fitri, Lucky Enggraini Frisca D. Br. Silalahi Hajar, Tarisa Hani Iftita Ilma Fajriati Indah Nuraini, Indah Intan Intan Junaidi Junaidi Khayla Nuzulul Maharani Khori Perdana Lucky Enggrani Fitri Lucky Enggrani Fitri Lucky Enggrani Fitri M. Hafis Jakala Maimunah Permata Hati Hasibuan Mohd Alfarabi Ambiya Muhammad Al Fidayeen Akbar Muhammad Iqbal Musdalifah Musdalifah Natasha Aurora Geraldine Ngatinah Ngatinah Nofri Yantara Anggara Novita Sari Nurdiani Nurdiani Nurdinia, Rahma Nurhasanah Nurhasanah Nurida Isnaeni Padlan, Muhammad Pahmi, Ismail Pratiwi, Heni Primadi Prasetio Puspita, Duwi Putri, Ramadani Asriani Rafiki, Rafiki Rafiqi Rafiqi Rafiqi . Rafiqi Rafiqi Ramadhani Surya, Natasya Ramansyah, Dian Raudhatul Jannah, Dhivani Ridhwan Ridhwan Rizal, Muhammad Afitrah Roihan, Muhammad Rudianto Rudianto Sigit Indrawijaya Sildaina Mutmainnah Silvera, Dica Lady Suardi, Vivi Paramita Syahira Oksaniska Syukri Amri, Adi Ihsan Tiara Assyfa Utari, Ramadhita Dwi Vina Nuratika Wahyu Alkautsar Werta Aprianti Widiastuti, Fitri Wulansari, Astri Yolanda, Mela Zami Aprizal, Yusuf