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All Journal Jurnal Riset Manajemen Beginner: Journal of Teaching and Education Management Community: Jurnal Hasil Penelitian dan Pengabdian Masyarakat Jurnal Ekonomi, Bisnis dan Manajemen Jurnal Pustaka Cendekia Pendidikan
Mashuri Toha
Universitas Al-Amien Prenduan
Religion Humanities Decision Sciences, Operations Research & Management Economics, Econometrics & Finance Education Mathematics Public Health Social Sciences Other

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Pengaruh Brand image, Religiusitas dan Lokasi terhadap Keputusan Menjadi Nasabah Bank Syariah (Studi kasus pada mahasiswa Universitas Al-Amien Prenduan) Mashuri Toha; Ilham Maulana; Alfani Mubarak; Moh. Bahij Al-Ardani
Masyrif : Jurnal Ekonomi, Bisnis dan Manajemen Vol 5, No 1 (2024): Masyrif : Jurnal Ekonomi, Bisnis Dan Manajemen
Publisher : Institut Dirosat Islamiyah Al-Amien Prenduan Sumenep

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.28944/masyrif.v5i1.1841

Abstract

This research aims to analyze the influence of brand image, religiosity and location on the decision to become a sharia bank customer among students at Al-Amien Prenduan University. Brand image, as a consumer's perception of a brand, is considered capable of forming trust and loyalty, while religiosity plays an important role in decision making based on sharia principles. Location is also considered to influence accessibility and comfort for potential customers. Data was collected through an online survey using Google Form, with respondents selected purposively from student students who were not yet sharia banking customers. Data analysis was carried out using the Structural Equation Modeling-Partial Least Squares (SEM-PLS) method to test the relationship between variables and identify direct and mediating effects. The research results show that brand image has the most significant influence on the decision to become a customer, both directly and as a mediator between religiosity and the decision. Religiosity was also proven to have a positive effect on brand image, but location did not show a significant influence on the decision to become a customer, which could reflect a shift in consumer preferences towards digital banking services. This research suggests that Islamic banks need to focus on strengthening branding strategies that reflect religious values and developing better digital services to attract and retain customers. These results provide an important contribution to the literature on Islamic bank marketing and the development of more effective marketing strategies.
The Impact of Inflation, Interest Rates, and Exchange Rates on the Indonesian Sharia Stock Index 2020-2024 Mashuri Toha; Elysa Nurlaila Azizah
Community: Jurnal Hasil Penelitian dan Pengabdian Masyarakat Vol. 5 No. 1 (2026): Jurnal Hasil Penelitian
Publisher : Perkumpulan Dosen Tarbiyah Islam Indonesia

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.61166/community.v5i1.242

Abstract

The development of the Islamic capital market in Indonesia is influenced by various macroeconomic conditions, such as inflation, interest rates, and exchange rates. This study aims to analyze the effect of inflation, interest rates (BI Rate), and exchange rates on the Indonesian Sharia Stock Index (ISSI) during the 2020–2024 period, both partially and simultaneously. This research employs a quantitative approach using multiple linear regression analysis processed with IBM SPSS version 25. The data used are secondary monthly time series data from January 2020 to December 2024 obtained from the Central Statistics Agency (BPS), Bank Indonesia (BI), and the Indonesia Stock Exchange (BEI). Before conducting regression analysis, the data were tested using classical assumption tests, including normality, multicollinearity, heteroscedasticity, and autocorrelation tests. The results show that simultaneously inflation, BI Rate, and exchange rates have a significant effect on ISSI, with an F-value of 32.414 and a significance value of 0.000 < 0.05. Partially, inflation has no significant effect on ISSI, while BI Rate and exchange rates significantly affect ISSI. The exchange rate variable is the most dominant factor influencing ISSI. The Adjusted R Square value of 0.615 indicates that 61.5% of ISSI variation can be explained by the three independent variables in this study
Innovation in Economic Learning Through Digital Simulations and Educational Games Abdillah; Mashuri Toha; Abd. Qadir jailani; Yusfar Ramadhan
Beginner: Journal of Teaching and Education Management Vol. 3 No. 2 (2025): Integrative Local wisdom in Teaching and Education Management
Publisher : Penerbit Hellow Pustaka

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.61166/bgn.v3i2.109

Abstract

The development of digital technology and Artificial Intelligence (AI) has transformed educational paradigms, including in the field of economics education. This article aims to examine how digital transformation affects economics learning at the secondary school level and to analyze implementation strategies that are relevant to 21st-century needs. The study employs a qualitative method with a literature review approach by analyzing various scholarly sources, educational policy reports, and recent research findings. The results indicate that the integration of digital technology in economics education can enhance learning motivation, broaden access to learning resources, and strengthen students’ economic literacy. The use of digital platforms such as Learning Management Systems (LMS), virtual market simulations, and interactive financial applications has proven effective in supporting contextual learning. Nevertheless, several challenges remain, including limited infrastructure, low levels of teachers’ digital literacy, and a lack of professional training, which hinder the optimal implementation of technology-based learning. The study concludes that digital transformation is an imperative in modern economics education. Successful implementation requires adaptive educational policies, improved teacher competencies, and the development of innovative technology-based learning media integrated with entrepreneurial values. These findings are expected to serve as a reference for educators and policymakers in designing economics education strategies that are relevant to the demands of the digital era.
Minat Investasi Emas Digital Mahasiswa Ekonomi Syariah UNIA Prenduan: Peran Literasi Keuangan Syariah dan Akses Digital Yudit Audiland; Mashuri Toha
JURNAL RISET MANAJEMEN (JURMA) Vol 4 No 3 (2026): September: JURNAL RISET MANAJEMEN (JURMA)
Publisher : Institut Teknologi dan Bisnis (ITB) Semarang

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.54066/jurma.v4i3.4680

Abstract

 This study examines the interest in digital gold investment among Islamic Economics students at Al-Amien Prenduan University, viewed through the lens of Islamic financial literacy and digital access. The development of financial technology has made investment inc Program Studi Ekonomi Syariah, Fakultas Ekonomi dan Bisnis Islam reasingly accessible—including to students—yet interest in digital gold investment remains low. This study aims to: (1) describe students' understanding of Islamic financial literacy regarding digital gold investment; (2) explain students' perceptions of the ease and barriers of digital access; and (3) analyze the role of both factors in shaping investment interest. A descriptive qualitative approach was adopted with data collected through in-depth interviews, observation, and documentation involving eight purposively selected informants. Data analysis employed reduction, presentation, and conclusion-drawing techniques, with validity ensured through source, technique, and time triangulation. Findings indicate that students possess good normative understanding of Islamic financial principles, yet remain limited to classical qabdh haqiqi (physical delivery) concepts, creating consistent doubt about digital gold legitimacy despite DSN-MUI Fatwa No. 77/2010 legitimizing qabdh hukmi (legal ownership transfer). Although digital ease receives positive responses, it fails to build confidence. Investment interest forms through the interaction of three dynamic elements: digital access and social influence as initial triggers, then contemporary Islamic financial literacy as a final filter. Increasing digital gold investment interest requires not only expanding technological access, but primarily synchronizing Islamic academic curricula with national digital economic regulations.
Pengaruh Pelayanan Prima, Lokasi dan Promosi Terhadap Tingkat Kepuasan Nasabah Gadai Emas di Bank Syariah Indonesia (BSI) Kantor Cabang Pamekasan Mashuri Toha; Dimas Syahputra
Jurnal Pustaka Cendekia Pendidikan Vol. 4 No. 1 (2026): Jurnal Pustaka Cendekia Pendidikan, Volume 4 Nomor 1, Mei - Agustus 2026
Publisher : PT PUSTAKA CENDEKIA GROUP

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.70292/jpcp.v4i1.660

Abstract

Gadai emas adalah salah satu produk yang ditawarkan oleh Bank Syariah dalam bentuk fasilitas pembiayaan, di mana bank memberikan pinjaman (qarḍ) kepada nasabah dengan emas (perhiasan) sebagai jaminannya melalui akad gadai (rahn). Produk ini menjadi pilihan utama bagi masyarakat karena memiliki nilai taksiran yang tinggi, biaya penyimpanan yang relatif rendah. Permasalahan yang diangkat dalam penelitian ini adalah untuk menguji apakah ada pengaruh pelayanan prima, lokasi dan promosi terhadap tingkat kepuasan nasabah gadai emas di Bank Syariah Indonesia KC. Pamekasan. Penelitian ini menggunakan metode kuantitatif dengan pendekatan survei. Data diperoleh melalui kuesioner yang disebarkan kepada 92 nasabah gadai emas BSI KC Pamekasan, yang dipilih menggunakan teknik purposive sampling. Analisis data dilakukan dengan uji regresi linier berganda, dengan pengujian hipotesis menggunakan uji t untuk analisis parsial dan uji F untuk analisis simultan. Hasil penelitian menunjukkan secara parsial, pelayanan prima dan promosi memiliki pengaruh positif dan signifikan terhadap kepuasan nasabah, dengan nilai thitung masing-masing sebesar 5,066 dan 5,626 serta tingkat signifikansi thitung 0,000 < (0,05). Sebaliknya, lokasi tidak memiliki pengaruh signifikan terhadap kepuasan nasabah, dengan nilai sebesar 0,342 dan signifikansi 0,733 > (0,05). Secara simultan, pelayanan prima, lokasi, dan promosi berpengaruh positif dan signifikan terhadap kepuasan nasabah, dengan nilai Fhitung sebesar 50,302 dan tingkat signifikansi 0,000 < (0,05). Sementara itu, nilai koefisien determinasi Rsquare tercatat sebesar 0,632 atau 63,2%. Ini menunjukkan bahwa variabel pelayanan prima, lokasi, dan promosi mampu menjelaskan pengaruhnya terhadap kepuasan nasabah gadai emas sebesar 63,2%. Adapun sisanya, yaitu 36,8%, dipengaruhi oleh faktor lain yang tidak diteliti dalam penelitian ini.
Co-Authors Abd. Qadir jailani Abdillah Alfani Mubarak Dimas Syahputra Elysa Nurlaila Azizah Ilham Maulana Moh. Bahij Al-Ardani Yudit Audiland Yusfar Ramadhan