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All Journal Jurnal Ilmiah Ekonomi Islam Li Falah: Jurnal Studi Ekonomi dan Bisnis Islam Nizham Journal of Islamic Studies Jurnal Akuntansi, Manajemen dan Ilmu Ekonomi (JASMIEN) Mutanaqishah: Journal of Islamic Banking International Journal of Economics (IJEC) Kartika: Jurnal Studi Keislaman Jurnal Media Akademik (JMA) El-Mal: Jurnal Kajian Ekonomi & Bisnis Islam Jurnal Intelek Dan Cendikiawan Nusantara International Journal of Islamic Economics (IJIE) Jurnal Intelek Insan Cendikia Journal of Ekonomics, Finance, and Management Studies
Is Susanto
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Religion Agriculture, Biological Sciences & Forestry Humanities Civil Engineering, Building, Construction & Architecture Decision Sciences, Operations Research & Management Economics, Econometrics & Finance Education Industrial & Manufacturing Engineering Languange, Linguistic, Communication & Media Law, Crime, Criminology & Criminal Justice Social Sciences Other

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PENGARUH PRODUCT DIVERSITY, DISPLAY LAYOUT DAN SERVICE QUALITY TERHADAP CONSUMER SATISFACTION DALAM PERSPEKTIF BISNIS ISLAM (STUDI PADA KONSUMEN FITRINOFANE SWALAYAN BANDAR LAMPUNG) Mutiara Zhafarina Utami; A. Zuliansyah; Is Susanto
Jurnal Akuntansi, Manajemen dan Ilmu Ekonomi (Jasmien) Vol. 5 No. 03 (2025): Vol. 5 No. 03 (2025): Jurnal Akuntansi, Manajemen dan Ilmu Ekonomi (Jasmien)
Publisher : Cattleya Darmaya Fortuna

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.54209/jasmien.v5i03.1387

Abstract

Perkembangan industri ritel modern yang semakin kompetitif menuntut pemahaman terhadap faktor-faktor yang memengaruhi kepuasan konsumen, khususnya dalam konteks nilai-nilai etika Islam. Penelitian ini menganalisis pengaruh keberagaman produk (product diversity), penataan tampilan toko (display layout), dan kualitas pelayanan (service quality) terhadap kepuasan konsumen (consumer satisfaction) di Fitrinofane Swalayan, Bandar Lampung. Menggunakan pendekatan kuantitatif dengan teknik purposive sampling, sebanyak 97 responden yang telah berbelanja minimal dua kali dijadikan sampel. Analisis dilakukan dengan metode Partial Least Squares - Structural Equation Modeling (PLS-SEM) menggunakan SmartPLS 4. Hasil penelitian menunjukkan bahwa keberagaman produk dan kualitas pelayanan berpengaruh positif dan signifikan terhadap kepuasan konsumen, sedangkan display layout tidak berpengaruh signifikan. Temuan ini menegaskan pentingnya variasi produk dan mutu layanan dalam meningkatkan kepuasan konsumen. Integrasi nilai-nilai Islam seperti keadilan (adl), kebaikan (ihsan), dan tanggung jawab sosial juga memperkuat hubungan pelaku usaha dan konsumen serta menciptakan nilai tambah spiritual. Penelitian ini memberi wawasan praktis bagi ritel lokal dalam menyelaraskan strategi pemasaran dengan prinsip syariah.
Pengaruh Kampanye Boikot Produk Pro Israel Terhadap Brand Image Dan Brand Loyalty Ditinjau Dalam Prespektif Bisnis Islam (Studi Pada Pengguna Pepsodent Di Kota Bandar Lampung) Umami, Khoirunisa; Ahmad Zuliansyah; Is Susanto
Jurnal Akuntansi, Manajemen dan Ilmu Ekonomi (Jasmien) Vol. 5 No. 03 (2025): Vol. 5 No. 03 (2025): Jurnal Akuntansi, Manajemen dan Ilmu Ekonomi (Jasmien)
Publisher : Cattleya Darmaya Fortuna

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.54209/jasmien.v5i03.1398

Abstract

Kampanye Boikot Produk bertujuan untuk mengajak konsumen agar menghentikan penggunaan produk yang memiliki keterkaitan dengan pihak tertentu, dalam hal ini produk yang berafiliasi dengan Israel.Hal ini berpengaruh terhadap pandangan konsumen mengenai citra merek dan loyalitas merekmereka terhadap produk tersebut. Tujuan dari penelitian ini adalah untuk menganalisis dampak kampanye boikot terhadap brand image dan loyalitas merek Pepsodent dalam kerangka bisnis Islam.Penelitian ini menggunakan pendekatan kuantitatif.Populasi dalam penelitian ini adalah konsumen Pepsodent yang berdomisili di Kota Bandar Lampung,dengan total sampel sebanyak 96 responden yang dipilih melalui teknik purposive sampling.Variabel yang dikaji terdiri atas kampanye boikot sebagai variabel bebas, serta brand image dan brand loyalty sebagai variabel terikat. Analisis data dilakukan melalui pengujian validitas, reliabilitas, hipotesis, dan koefisien determinasi. Hasil penelitian menunjukkan bahwa Kampanye Boikot berpengaruh negatif dan signifikan terhadap Brand Image dengan nilai koefisien jalur -0.686, dan P-values 0.000 < 0.001. Ini mengindikasikan bahwa peningkatan kampanye boikot menurunkan persepsi positif brand image. Demikian pula,Kampanye Boikot berpengaruh negatif dan signifikan terhadap Brand Loyalty dengan nilai koefisien jalur -0.825 dan P-values 0.000 < 0.001, menunjukkan bahwa kampanye boikot secara substansial menurunkan loyalitas konsumen.
Analysis of the Influence of International Trade, Foreign Investment, and Exchange Rates on Economic Growth in 5 Asean Countries from the Perspective of Islamic Economics 2015-2023 Aditya Dwi Putra; Kurniawan, Muhammad; Is Susanto
Jurnal Internasional Ekonomi Islam Vol 7 No 01 (2025): International Journal of Islamic Economics
Publisher : The Postgraduate of Institut Agama Islam Negeri Metro Lampung

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.32332/ijie.v7i01.10499

Abstract

Introduction: This study's background is based on the importance of economic stability and growth in the face of changing global dynamics, where regional economic integration is a key factor in determining the region's competitiveness. Objective: This study analyzes the effect of international trade, foreign investment, and the exchange rate on economic growth in the ASEAN region from 2015 to 2023. Method: This study uses a quantitative approach, using panel secondary data obtained from the World Bank and analyzing it through multiple linear regression models using EViews 13 software. Results: The results show that international trade has a significant and positive influence on economic growth in ASEAN countries, signaling its central role in driving regional economic activity. In contrast, foreign investment does not show a significant effect on economic growth over the observed period, indicating that the role of foreign investment is not optimal or may be hampered by structural factors and domestic policies. Meanwhile, the exchange rate shows a positive relationship with economic growth, which may imply that exchange rate stability supports trade and investment activities. Implications: The implications of these findings emphasize the importance of strengthening foreign trade policy and managing a stable exchange rate as key strategies in promoting sustainable economic growth. In the context of Islamic economics, this study also reflects the importance of balance between economic interests and social values, where growth is not only measured in material terms, but should also reflect social justice, welfare, and sustainability.
The Influence of Government Expenditure, Investment and Number of Workers on Regional Economic Growth in the Perspective of Regional Islamic Economics in South Sumatra (Panel Data Analysis 2016-2024) mar'uf, Maryana Ulfa; Is Susanto
International Journal of Economics (IJEC) Vol. 4 No. 2 (2025): July-December
Publisher : PT Inovasi Pratama Internasional

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.55299/ijec.v4i2.1440

Abstract

This study aims to analyze the impact of government spending, investment, and labor force on regional economic growth in the South Sumatra Region (Sumbagsel) from the perspective of Islamic economics over the period 2016–2024. The study employs a quantitative approach using a Fixed Effect panel data regression model covering 25 districts/cities across three provinces: South Sumatra, Bangka Belitung, and Lampung. The findings reveal that all three independent variables have a positive and statistically significant effect on regional economic growth. Foreign direct investment (FDI) exerts the most substantial impact compared to government spending and domestic investment, while the labor force contributes the least, indicating the urgent need to improve labor quality. From the Islamic economic viewpoint, the pattern of regional economic growth has not yet fully reflected key principles such as equitable income distribution, environmental sustainability, and fair business partnerships. A high Gini ratio and a low partnership index highlight the dominance of large economic actors and persistent inequality. This study recommends reforms in fiscal policy, strengthening Islamic financial institutions, and promoting halal-based economic sectors as long-term strategies. Policy implications are directed toward implementing maqashid sharia values ​​in development planning to achieve economic growth that is not only inclusive and sustainable but also aligned with Islamic moral and ethical standards
Pengaruh Pengaruh Store Atmosphere dan Accessibility Terhadap Revisit Intention Pada Coffee Shop Maru House Dengan Customer Experience Sebagai Variabel Mediasi Dalam Perspektif Bisnis Islam Qoirullah, Aziz; Erike Anggraeni; Is Susanto
El-Mal: Jurnal Kajian Ekonomi & Bisnis Islam Vol. 6 No. 9 (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.v6i9.9330

Abstract

This study aims to analyze the influence of store atmosphere and accessibility on revisit intention with customer experience as a mediating variable at Maru House Coffee Shop in Bandar Lampung. Maru House is a unique coffee shop that combines a café environment with painting activities. However, in the midst of intense competition in the coffee shop industry, strategies are needed to maintain customer loyalty. This research adopts a quantitative approach using Structural Equation Modeling-Partial Least Square (SEM-PLS) and involves 91 respondents who have visited Maru House more than once. The analysis results indicate that both store atmosphere and accessibility have a positive and significant effect on customer experience. Furthermore, customer experience significantly influences revisit intention. It also partially mediates the relationship between store atmosphere and accessibility on revisit intention. In other words, while store atmosphere and accessibility have direct effects, customer experience strengthens the customers’ intention to return. From the perspective of Islamic business ethics, these findings are consistent with the principles of taysir (ease), ihsan (excellence in service), and maslahah (benefit), which emphasize the importance of comfort, ease of access, and quality service as forms of ethical behavior in business. By incorporating these values, Maru House Coffee Shop can enhance customer loyalty in an ethical and sustainable manner. This study contributes both theoretically and practically to the development of marketing strategies based on customer experience and Islamic business values in the café industry.
The Impact of Cost-to-Income Ratio, Net Benefit, and Operating Expenses on Islamic Commercial Bank Loss Reserves Annisa Anggraini; Fatih Fuadi; Is Susanto
Mutanaqishah: Journal of Islamic Banking Vol. 5 No. 1 (2025): January - June
Publisher : Department of Islamic Banking

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.54045/mutanaqishah.v5i1.2614

Abstract

Purpose – This study aims to examine the influence of Cost to Income Ratio (CIR), Net benefit (NI) and operating expenses operating income (BOPO) on the impairment loss reserve (CKPN). Methodology – In this study, the sample determination was carried out for 5 years. Determination of sample criteria using purposive sampling method, which is a sampling technique derived from certain criteria and obtained a sample of 6 banks so that the total number of samples is 30 samples. The method used is regression analysis of panel data using Random Influence Model approach analyzed through software Eviews 10. Findings – Derived from upshots of the study can be obtained that the partial Cost to Income Ratio has a significant influence on CKPN. Net rewards significant influence on CKPN. Operating expenses operating income has no significant influence on CKPN. Simultaneously Cost to Income Ratio, Net benefits and operating expenses operating income has a significant influence on CKPN in Sharia commercial banks registered with the Financial Services Authority for the period 2019-2023. In Islamic business management, efficiency (CIR and BOPO), transparency and benefit optimize halal income (NI) and maintain financial stability in accordance with sharia values. Implications – Upshots of this study provide recommendations to each bank in facing different credit risk challenges, both in terms of financing portfolio characteristics, risk mitigation strategies, and financial management policies. Originality – This study provides insight into the importance of risk management in Islamic banking, especially in managing impairment losses (CKPN) as a mitigation measure against potential financing risks.  
PENGARUH STRATEGI PEMASARAN BERBASIS SISTEM INFORMASI AKUNTANSI DAN PENGGUNAAN TEKNOLOGI INFORMASI TERHADAP KINERJA UMKM Feni Nurul Hidayah; Muhammad Iqbal Fasa; Is Susanto
Jurnal Intelek Insan Cendikia Vol. 1 No. 10 (2024): Desember 2024
Publisher : PT. Intelek Cendikiawan Nusantara

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Abstract

Usaha Mikro, Kecil dan Menengah (UMKM) merupakan katalis yang signifikan bagi perekonomian nasional dan merupakan bagian integral dari kemajuan ekonomi dan industri bangsa. Strategi pemasaran berbasis (SIA) dan penggunaan teknologi informasi integrasi teknologi informasi merupakan elemen penting dalam meningkatkan kemanjuran suatu bisnis. Penelitian ini memiliki tujuan menguji pengaruh Strategi pemasaran berbasis sistem informasi akuntansi (SIA) dan penggunaan teknologi informasi terhadap kinerja UMKM. Subjek penyelidikan ini terdiri dari Usaha Mikro, Kecil, dan Menengah (UMKM) yang terletak di wilayah Cililitan Grosir Tengah, Jakarta. Metodologi yang digunakan untuk pengambilan sampel adalah teknik random purposive sampling, dimana kriteria spesifik yang digambarkan meliputi bahwa perusahaan UMKM harus ditempatkan di Pusat Grosir Cililitan Jakarta dan harus beroperasi selama minimal dua tahun. Jumlah sampel penelitian terpilih sebanyak 155 responden.
IMPLEMENTASI AKAD IJARAH PADA SEWA MENYEWA LAHAN SAWAH DENGAN SISTEM BAYAR SETELAH PANEN Damayanti, Nadia; Ersi Sisdianto; Muhammad Iqbal Fasa; Is Susanto
Jurnal Intelek Insan Cendikia Vol. 1 No. 10 (2024): Desember 2024
Publisher : PT. Intelek Cendikiawan Nusantara

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Abstract

Penelitian ini bertujuan untuk mengetahui bagaimana implementasi akad ijarah dalam sistem sewa sewa lahan sawah dengan metode pembayaran yang dilakukan setelah panen di Desa Sido Mulyo. Akad ijarah, sebagai salah satu bentuk kontrak dalam ekonomi Islam, memungkinkan pemilik lahan untuk menyewakan lahan pertaniannya kepada penyewa. Penelitian dilakukan di Desa Sido Mulyo, Kecamatan Negeri Katon, Pesawaran. Dengan menggunakan pendekatan kualitatif deskriptif. Pengumpulan data dilakukan melalui wawancara dengan salah satu pemilik lahan sawah yakni Ibu Susyati. Hasil penelitian menunjukkan bahwa pelaksanaan akad ijarah di desa tersebut umumnya dilakukan secara lisan dan berdasarkan kesepakatan antara pemilik dan penyewa. Di Desa Sido Mulyo terdapat praktik sewa menyewa yakni pembayaran sewa lahan sawah dibayarkan setelah selesai masa panen dan dibayarkan dengan hasil dari lahan sawah tersebut. Faktor-faktor yang mempengaruhi keberhasilan implementasi akad ini meliputi kejelasan objek sewa, kesepakatan mengenai tanggung jawab pengelolaan lahan, serta kondisi ekonomi para petani. Penelitian juga menemukan bahwa sistem pembayaran setelah panen memberikan fleksibilitas bagi penyewa yang mungkin tidak memiliki modal di awal musim tanam.
Peran Digitalisasi Dalam Strategi Pengambilan Keputusan Menjadi Nasabah Bank Syariah Indonesia Laelasari, Ani; Muhammad Iqbal Fasa; Is Susanto
Jurnal Intelek Dan Cendikiawan Nusantara Vol. 1 No. 5 (2024): OKTOBER-NOVEMBER 2024
Publisher : PT. Intelek Cendikiawan Nusantara

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Abstract

Penelitian ini bertujuan untuk mengetahuin Peran Digitalisasi Dalam Strategi Pengambilan Keputusan Menjadi Nasabah Bank Syariah Indonesia. Tulisan ini menggunakan metode kualitatif dan pendekatan penelitian kepustakaan, yaitu mengambil pendapat para ulama di bidang keuangan syariah, dan dilanjutkan dengan mengkaji kepustakaan dalam bentuk penelitian, buku, dan artikel terkait. Penelitian ini diakhiri dengan analisis atau interpretasi terhadap berbagai sumber yang melalui eksplorasi, identifikasi dan klasifikasi dengan menggunakan metode deskriptif. Hasil dari penelitian ini menunjukkan bahwa keberhasilan penerapan digitalisasi dalam keputusan menjadi nasabah Bank Syariah dapat meningkatkan efesiensi layanan nasabah, memberikan peningkatan layanan yang lebih baik, dan secara keseluruhan memperbaiki kualitas layanan di Bank Syariah Indonesia. Implikasi praktis penelitian ini ingin memberi pandangan yang berharga kepada nasabah melalui pemanfaatan digitalisasi.
Analisis Pembiayaan Pemilikan Rumah (PPR) Melalui Akad Akad Pada Bank Syariah Indonesia (BSI) KCP LAMPUNG Nabilah Syafithri; Muhammad Iqbal Fasa; Is Susanto
Jurnal Intelek Dan Cendikiawan Nusantara Vol. 1 No. 5 (2024): OKTOBER-NOVEMBER 2024
Publisher : PT. Intelek Cendikiawan Nusantara

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Abstract

This study aims to identify issues related to housing financing (PPR) through murabahah contracts at Bank Syariah Indonesia (BSI). This consider was outlined employing a subjective strategy. Data collection procedures through the method of documentation. Employing a qualitative approach with a case study methodology, data collection was conducted through documentation methods. The validity of the data was ensured using source triangulation, and data analysis followed three stages: data reduction, data presentation, and drawing conclusions. The results indicate that the implementation of Domestic Ownership Financing (PPR) at BSI primarily uses murabahah contracts, complemented by wakalah contracts to enhance the murabahah process. The application of murabahah contracts at BSI adheres to the DSN-MUI fatwa No. DSN-MUI/IV/2000, whereby the bank initiates a wakalah contract before proceeding with the murabahah contract following negotiations with the developer. Several issues arise within the domestic ownership financing process at BSI. For instance, if a client is late in making payments for an extended period, BSI will undertake restructuring or reconditioning. Additionally, if a client wishes to transfer the financing, this is permitted only if the intent is to repay the financing; other reasons are not allowed. In cases of unforeseen disasters, such as the death of a client or house fire, the bank will utilize client securities to settle outstanding financing obligations. Furthermore, an increase in Non-Performing Financing (NPF). To address the rise in NPF, BSI implements measures to mitigate risks by applying the 5C framework before granting financing, which includes Character, Capacity, Capital, Collateral, and Conditions.
Co-Authors A. Zuliansyah Aditya Dwi Putra Agnes Kurnia Ahmad Zuliansyah Aliyah Permata Mulana Putri Alpajar Ramadhan Anggista Marbella Annisa Anggraini Ari Wibowo Bagas Oges Bryan Pratama Chusnul Khotimah Della Safira Elvri Ranjani Erike Anggraeni Ersi Sisdianto Fatih Fuadi Feni Nurul Hidayah Hanif Hidayati, Dian Iviola Sabila Avandi Laelasari, Ani Laila Azhari Lestari, Elza Dwi M. Yusuf Bahtiar Mad Heri mar'uf, Maryana Ulfa Mardhiyah Hayati Mar’atun Tursinah Mega Fatimah Rosana Meri Febri Sha Fitri Muhammad Iqbal Fasa Muhammad Kurniawan Mutia Ramadhani Mutiara Zhafarina Utami Nabilah Syafithri Nadhea Jelita Pertiwi Nadia Damayanti Ningsih, Dwi Arya Nora Helda Sari Nurliana, Rena Putri Fitriyani Qoirullah, Aziz Riska Puspita Dewi Sandy Septiano Winas Umami, Khoirunisa Umi Puspita Sari Wulan Ramadani Trisnaudy