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All Journal Perisai : Islamic Banking and Finance Journal Pendas : Jurnah Ilmiah Pendidikan Dasar Syarikat : Jurnal Rumpun Ekonomi Syariah Journal of Management and Islamic Finance Jurnal Ekonomika dan Bisnis Islam Formosa Journal of Science and Technology (FJST) ADILLA: Jurnal Ilmiah Ekonomi Syari'ah El-Mal: Jurnal Kajian Ekonomi & Bisnis Islam
Maryam Bte Badrul Munir
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Analisis Analisis Kinerja Bank BTPN Syariah Periode 2021 – 2023 Menggunakan Metode Indeks Maqashid Syariah Akbar Budi Sampurno; Moch Khoirul Anwar; Maryam Bte Badrul Munir
El-Mal: Jurnal Kajian Ekonomi & Bisnis Islam Vol. 5 No. 12 (2024): El-Mal: Jurnal Kajian Ekonomi & Bisnis Islam
Publisher : Intitut Agama Islam Nasional Laa Roiba Bogor

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.47467/elmal.v5i12.5368

Abstract

The aim of this research is to determine the performance of BTPN Syariah bank from 2021 to 2023 using the maqashid sharia index method. The instrument for assessing the performance of sharia banks is the maqashid sharia index which measures the success of a business based on the benefits provided to the wider community. This research uses a quantitative methodology with a descriptive approach, utilizing data sources originating from the annual financial reports of BTPN Syariah bank. Research findings show that the value of the maqashid sharia index on the performance of BTPN Syariah bank has fluctuated. This shows that the performance of BTPN Syariah bank in 2021–2023 is not as good as expected in fulfilling maqashid sharia objectives. The decline in the maqashid sharia index ratio value is currently the cause of the performance of BTPN Syariah bank. Additionally, certain ratios, such as reasonable profits and personal income, cannot be calculated. This is because BTPN Syariah bank does not manage zakat funds and does not apply the PER ratio in the financial audit system in its annual financial reports.
Pengaruh Gaya Hidup dan Literasi Keuangan Terhadap Manajemen Keuangan Pribadi pada Gen Z Muslim di Surabaya Muhammad Fakhri Dzulfikar; Bibi Faiza Farhana; Akhlis Fathikul Islam; Musaidatul Maulidiyah; Fata Habibullah; Maryam Bte Badrul Munir
El-Mal: Jurnal Kajian Ekonomi & Bisnis Islam Vol. 5 No. 12 (2024): El-Mal: Jurnal Kajian Ekonomi & Bisnis Islam
Publisher : Intitut Agama Islam Nasional Laa Roiba Bogor

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.47467/elmal.v5i12.5558

Abstract

This study aims to investigate whether lifestyle and financial literacy affect personal financial management in generation Z in Surabaya City. This study uses an associative quantitative research method with all students of Surabaya State University, while the sample used is Muslim students at the Faculty of Economics and Business, Surabaya State University. Data analysis used is the same validity test rehabilitation, normality test, multiple regression test, hypothesis test (t & f) then obtains results for financial literacy and lifestyle variables, the significance value in the F Test is less than 0.005 and the value of f-count> f-table which means Financial Literacy and Lifestyle have a significant effect simultaneously on the Personal Financial Management variable. The Financial Literacy variable has a positive and significant partial effect on Personal Financial Management with the results of the significance value in the T Test which is less than 5% (0.05) and the value of t-count is greater than t-table. While the Lifestyle variable has a negative and insignificant partial effect on Personal Financial Management with the results of the significance value in the T Test which is greater than 5% (0.05) and the value of t-count is smaller than t-table.
Analisis Faktor-faktor yang Mempengaruhi Minat Mahasiswa UNESA dalam Memilih Berkarir di BUMN Sebelum Masa Wisuda Aulia, Aulia Siska Puspita Dewi; Maryam Bte Badrul Munir
El-Mal: Jurnal Kajian Ekonomi & Bisnis Islam Vol. 6 No. 3 (2025): El-Mal: Jurnal Kajian Ekonomi & Bisnis Islam
Publisher : Intitut Agama Islam Nasional Laa Roiba Bogor

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.47467/elmal.v6i3.5690

Abstract

                The escalating rivalry in the workforce necessitates that the younger generation, particularly students, possess exceptional qualities to thrive. State-Owned Enterprises (SOEs) are increasingly favored by Generation Z for their financial stability and perks; however, student interest is shaped by various aspects, including monetary compensation, certification quality, and the caliber of the MBKM program. Comprehending the determinants that affect UNESA students' inclination towards a career in SOEs prior to graduation is essential for enhancing human resource development in Indonesia. This study to examine the factors that affect the interest of Surabaya State University students in pursuing careers in State-Owned Enterprises prior to graduation. This study evaluates many elements, including financial incentives, certification quality, and the quality of the MBKM program, to ascertain career choices within the SOEs sector. The study employs a quantitative methodology and design. The purposive sampling method identifies the sample, resulting in a sample size of 101 pupils. Researchers gather primary data on a Likert scale ranging from 1 to 5, derived from a questionnaire that constitutes the focus of the study. This study encompasses many assessments, including the research instrument evaluation (validity and reliability), classical assumption testing, multiple linear regression analysis, coefficient of determination assessment, and hypothesis testing (t-test and F-test) utilizing SPSS version 25 software. The results reveals that financial incentives, certification quality, and MBKM quality significantly enhance Unesa students' enthusiasm in pursuing careers in state-owned enterprises (SOEs). The coefficient of determination indicates that 61.5% of the variation in student interest is explicable by the independent variables in the model.
The Effect of Halal Brand Personality, Brand Experience, User Experience and E-Service Quality on Brand Loyalty (Case Study on Muslim Consumers of Skintific Products in Surabaya): Pengaruh Halal Brand Personality, Brand Experience, User Experience, dan E-Service Quality Terhadap Brand Loyalty (Studi Kasus Pada Konsumen Muslim Produk Skintific di Kota Surabaya) Sania Salsabila; Maryam Bte Badrul Munir
ADILLA : Jurnal Ilmiah Ekonomi Syari'ah Vol. 7 No. 2 (2024): Juli
Publisher : Universitas Islam Darul 'ulum Lamongan

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.52166/adilla.v7i2.6570

Abstract

This study aims to determine the effect of halal brand personality, brand experience, user experience, and e-service quality on brand loyalty simultaneously and partially. This research uses descriptive quantitative methods. The population in this study were 100 Muslim consumers of Skintific products in Surabaya. The sample in the study was determined by the lemeshow formula and obtained 100 respondents. The sampling technique used purposive sampling. The data collection technique used a questionnaire with 36 statement items and was measured using a Likert scale of 1 to 5 which had been tested for validity and reliability. The data analysis technique used is multiple linear regression analysis to answer the hypothesis. The results showed that from the partial test, the halal brand personality variable had a significant effect on brand loyalty with a tcount of 2.138> table 1.661 and a significant value of 0.035 <0.05. From the variable. From the brand experience variable, it has a significant effect on brand loyalty with tcount 2.055> table 1.661 and a significant value of 0.043 <0.05. From the user experience variable, it has a significant effect on brand loyalty with a tcount of 3.782> table 1.661 and a significant value of 0.000 <0.05. From the e-service quality variable, it has a significant effect on brand loyalty with tcount 2,764> table 1,661 and a significant value of 0.007 <0.05. Then, the simultaneous test of halal brand personality, brand experience, user experience and e-service quality variables has a significant effect on brand loyalty showing F count 20,261> F table 2,467 with a significant value of 0.000 <0.05. The R Square result of 43.8% shows the influence of halal brand personality, brand experience, user experience, and e-service quality on brand loyalty. While 56.2% is influenced by other variables outside the study
PERAN PROMOSI MEDIA SOSIAL DAN PENDAMPINGAN KEWIRAUSAHAAN DALAM MENINGKATKAN PERTUMBUHAN USAHA PENGUSAHA MUDA DI SURABAYA (STUDI KASUS KADIN SURABAYA) Alfian Nur Al Mubarok; Maryam Bte Badrul Munir
Pendas : Jurnal Ilmiah Pendidikan Dasar Vol. 11 No. 03 (2026): Volume 11 No. 03, September 2026 Processed
Publisher : Program Studi Pendidikan Guru Sekolah Dasar FKIP Universitas Pasundan

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.23969/jp.v11i03.64974

Abstract

This study aims to analyze the roles of social media promotion and KADIN’s entrepreneurship mentoring in supporting the business growth of young entrepreneurs in Surabaya. A qualitative approach with a descriptive research design was employed. The study's informants consisted of young entrepreneurs affiliated with KADIN. Data collection was conducted through in-depth interviews, observation, and documentation. Data analysis utilized the Miles and Huberman model, comprising data reduction, data display, and conclusion drawing. Data validity was ensured through source, technique, and theory triangulation. The results indicate that social media promotion plays a role in enhancing brand awareness, expanding market reach, boosting business credibility, and establishing business identity. Entrepreneurship mentoring provided by KADIN contributes to enhancing the capacity of young entrepreneurs through training, mentoring, and the strengthening of business networks. Furthermore, networking serves as social capital that supports business growth by expanding relationships and business opportunities. Business growth is characterized not only by increased revenue but also by growth in the customer base, business networks, and new business opportunities. This study concludes that the business growth of young entrepreneurs in Surabaya is influenced by a combination of social media promotion, entrepreneurship mentoring, and social capital gained through entrepreneurship organizations.
Co-Authors Achmad Izzuddin Fahmi Akbar Budi Sampurno Akhlis Fathikul Islam Alfado Chievo Javantara Alfian Nur Al Mubarok Amalia As’adi, Firda Rizqi Aulia, Aulia Siska Puspita Dewi Bibi Faiza Farhana Dewi, Aulia Siska Puspita Dinar Ekamanda Fata Habibullah Gigih Yoga Pratama Lucky Abdul Herdiyanto Masruroh Moch Miqdad Moch. Khoirul Anwar MOCH. KHOIRUL ANWAR Muhammad Fakhri Dzulfikar Musaidatul Maulidiyah Putri, Diva Carrisa Sania Salsabila Wahyu Putra Gangga Bisma Almohbar Wulandari, Maulidia