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All Journal JURNAL ADMINISTRASI BISNIS Economic Reviews Journal Jurnal Administrasi Bisnis Al-Kharaj: Jurnal Ekonomi, Keuangan & Bisnis Syariah El-Mal: Jurnal Kajian Ekonomi & Bisnis Islam Journal of Ekonomics, Finance, and Management Studies Tathawwur: Jurnal Ekonomi Pembangunan dan Keuangan Islam
Nurizal Ismail
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Religion Agriculture, Biological Sciences & Forestry Civil Engineering, Building, Construction & Architecture Decision Sciences, Operations Research & Management Economics, Econometrics & Finance Industrial & Manufacturing Engineering Social Sciences

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Pengaruh Literasi Keuangan Syariah Terhadap Minat Menggunakan Fintech Peer to peer (P2P) Lending Syariah: Studi Kasus Masyarakat di Jabodetabek Kahar Muzakkar; Nurizal Ismail; Solahudin Al-Ayyubi
Al-Kharaj: Jurnal Ekonomi, Keuangan & Bisnis Syariah Vol. 6 No. 5 (2024): Al-Kharaj: Jurnal Ekonomi, Keuangan & Bisnis Syariah
Publisher : Intitut Agama Islam Nasional Laa Roiba Bogor

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.47467/alkharaj.v6i4.2212

Abstract

This study aims to analyze the influence of variables such as knowledge, ability, attitude, and trust on the interest in using Shariah Peer to peer (P2P) Lending Fintech: A Case Study of Communities in Jabodetabek. The data source of this research is primary data derived from a sample of residents in Jabodetabek. Data collection was conducted by distributing questionnaires to 100 respondents. The analysis method used is Partial Least Squares Structural Equation Modeling (SEM-PLS) technique using SmartPLS.3 software. The results of this study indicate that all four variables significantly influence interest and engagement of the community in using Shariah fintech services. It emphasizes the complexity of factors influencing the adoption of Shariah financial technology.
Pengaruh Label Halal, Harga dan Kualitas Pelayanan Terhadap Keputusan Pembelian Obat: Study Kasus Mahasiswa Institut Agama Islam Tazkia Bogor Ihsanul Adli; Nurizal Ismail
Al-Kharaj: Jurnal Ekonomi, Keuangan & Bisnis Syariah Vol. 6 No. 10 (2024): Al-Kharaj: Jurnal Ekonomi, Keuangan & Bisnis Syariah
Publisher : Intitut Agama Islam Nasional Laa Roiba Bogor

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.47467/alkharaj.v6i10.2834

Abstract

This study aims to analyze the influence of halal labels, price and service quality on drug purchasing decisions among students at the Tazkia Bogor Islamic Institute. Considering that the majority of Indonesia's population is Muslim, the halal label is an important factor in product purchasing decisions, including medicines. This research uses quantitative methods by collecting primary data through questionnaires distributed to 125 students. Data analysis was carried out using the Structural Equation Modeling - Partial Least Squares (SEM-PLS) method. The research results show that the three variables, namely halal label, price, and service quality, have a significant influence on drug purchasing decisions. The halal label gives consumers confidence that the product is safe and in accordance with Islamic law, competitive prices influence consumer perceptions of product value, and good service quality increases consumer satisfaction and trust. Based on these findings, it is recommended that drug manufacturers increase halal certification, set competitive prices, and improve service quality to meet the needs and preferences of Muslim consumers, so as to increase competitiveness in the drug market
Analisis Komparatif Teori Konsumsi Mazhab Monzer Kahf, Abdul Manan dan Yusuf Al-Qardhawi Naysa Buri; Nurizal Ismail; Sholahuddin Al-Ayubi
El-Mal: Jurnal Kajian Ekonomi & Bisnis Islam Vol. 5 No. 6 (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.v5i6.2260

Abstract

This study aims to compare consumption theories according to the perspectives of Monzer Kahf, Abdul Manan, and Yusuf Al-Qardhawi. It employs a formal literature review method to compare the consumption theories of these three figures, utilizing qualitative analysis of relevant literature and texts such as books, articles, and journals authored by the three thinkers. The research findings indicate that Monzer Kahf, Abdul Manan, and Yusuf al-Qardhawi have different approaches to understanding consumption in the context of Islamic economics. Monzer Kahf emphasizes the importance of consuming goods without extravagance or wastefulness and paying attention to the benefits of those goods. Abdul Manan underscores the significance of creating fair income and wealth distribution. Meanwhile, Yusuf al-Qardhawi emphasizes the importance of consuming by considering necessary needs, including spending wealth for goodness, avoiding miserliness, combating wasteful actions, and adopting a modest attitude in spending wealth. Thus, the three consumption theories according to the perspectives of Monzer Kahf, Abdul Manan, and Yusuf Al-Qardhawi share similarities in emphasizing the importance of moderate consumption, avoiding miserliness, and meeting the basic needs of individuals and society.
Analisis Pengaruh Harga, Kualitas, dan Label Halal, Terhadap Minat Beli Mahasiswa Kosmetik Lokal Muhammad Maulana Arif Ritonga; Nurizal Ismail; Solahuddin Al-Ayyubi
El-Mal: Jurnal Kajian Ekonomi & Bisnis Islam Vol. 5 No. 9 (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.v5i9.2491

Abstract

The aim of this research is to analyze the influence of price, quality and halal label variables on consumer purchasing interest in local cosmetics. The research method applied was quantitative, where questionnaires were distributed to 107 Muslim students from various universities in Indonesia using a purposive sampling technique. Data was collected via Google Forms and analyzed using SEM-PLS. The research results found that the price variable had an insignificant influence on buying interest. Meanwhile, the quality variable and halal label partially have a positive and significant influence on purchasing interest. Simultaneously all variables have an influence of 74% on buying interest.
Penerapan Metode PLS SEM dalam Menganalisis Factor- Factor yang Mempengaruhi Minat Beli Terhadap CWLS Rozan, Muhammad Rozan Hazimi; Nurizal Ismail
El-Mal: Jurnal Kajian Ekonomi & Bisnis Islam Vol. 5 No. 9 (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.v5i9.2672

Abstract

Penelitian ini menganalisis factor- factor yang mempengaruhi minat beli terhadap CWLS. Dengan menggunakan kuesioner dan analisis Structural Equation Modeling-PartialLeast Square, data primer dikumpulkan dari 232 responden. Hasilnya menunjukkan bahwa literasi keuangan syariah memiliki, presepsi resiko dan sikap berpengaruh positif signifikan terhadap minat beli CWLS, Semakin tinggi literasi keuangan syariah seseorang, semakin besar minat mereka untuk berinvestasi dalam CWLS, pemahaman yang baik tentang keuangan syariah dapat mendorong minat beli masyarakat terhadap produk ini. Persepsi risiko juga memiliki pengaruh positif dan signifikan, mengindikasikan bahwa pemahaman yang baik tentang risiko investasi mendorong minat beli. Selain itu, sikap positif terhadap CWLS meningkatkan minat beli masyarakat, karena sikap yang baik menciptakan kepercayaan dan kemauan yang lebih besar untuk berpartisipasi dalam investasi ini.
Analisis Pengaruh Religiusitas, Literasi Halal, dan Sikap Konsumtif Terhadap Preferensi Wisatawan pada Pariwisata Halal di Solok Andika Putra; Nurizal Ismail; Solahuddin Al-Ayubi
El-Mal: Jurnal Kajian Ekonomi & Bisnis Islam Vol. 5 No. 10 (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.v5i10.3357

Abstract

The aim of this study is to evaluate the impact of three main factors: Religiousness, Halal Literacy, and Consumer Attitude on halal tourism preferences in Solok. The method employed in this research is Partial Least Square Structural Equation Modeling (SEM-PLS). The study involved 150 participants from various segments of society. The analysis results indicate that Halal Literacy significantly and positively contributes to consumer preferences in choosing halal tourism destinations. Conversely, Religiousness shows a negative influence on tourist preferences, suggesting that religious understanding does not always play a primary role in tourism decision-making. On the other hand, Consumer Attitude exhibits a significant positive impact on tourist preferences in Solok. These findings have significant implications for the halal tourism industry in Solok, highlighting the importance of halal literacy awareness and consumer attitudes towards halal products in enhancing the attractiveness of tourism destinations.
Pengaruh Kepercayaan, Religiusitas dan Pendapatan Terhadap Minat Membayar Zakat Masyarakat Muslim Kota Pekanbaru Andra Wahyudi; Nurizal Ismail
El-Mal: Jurnal Kajian Ekonomi & Bisnis Islam Vol. 5 No. 10 (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.v5i10.3382

Abstract

This study investigates the influence of trust, religiosity, and income on the interest in paying zakat among the Muslim community in Pekanbaru City. Trust in zakat institutions is defined as the belief that these institutions are professional, honest, and transparent in managing zakat funds. Religiosity is measured as the level of adherence to religious teachings, while income reflects the economic status of the respondents. The research adopts a quantitative approach using a questionnaire as the data collection instrument from 114 respondents. Data analysis is conducted using Partial Least Squares Structural Equation Modeling (PLS-SEM), and the results indicate that trust, religiosity, and income significantly influence the community's interest in paying zakat. These findings contribute to understanding the motivating factors or barriers among the Muslim community in Pekanbaru City in fulfilling their zakat obligations. The study provides practical implications for zakat institutions to enhance their transparency and professionalism to build trust among the public. It also offers deeper insights into the factors influencing community interest in zakat within a specific socio-economic context.
Co-Authors Andika Putra Andra Wahyudi Dinda Kartika Mawarda Putri Ihsanul Adli Kahar Muzakkar Maulana Ja'far Shodik Mhd Arief Pramana Muhammad Maulana Arif Ritonga Naysa Buri Rozan, Muhammad Rozan Hazimi Sholahuddin Al Ayubi Siti Aisyah Solahuddin Solahuddin Al-Ayubi Solahuddin Al-Ayyubi Solahudin Al-Ayyubi