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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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PENERAPAN M-BANKING DALAM MENINGKATKAN JASA, LAYANAN PERBANKAN DI BANK SYARIAH INDONESIA Kurnia, Agnes; 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

The development of digitalization technology in the banking sector, including sharia banking in Indonesia, has undergone changes. One innovation that is developing rapidly is mobile banking (m-banking). This allows customers to access banking services quickly and efficiently via their mobile devices. The purpose of this research is to find out how the implementation of mobile banking at PT Bank Syariah Indonesia can improve company service and services. This research uses a document study and literature study approach. The data analysis method used is a qualitative method as a research method that describes descriptively the application of M-banking in improving services at PT Bank Syariah Indonesia. The research results show that using M-banking can simplify financial and non- financial transactions, and make customers interested in using it. However, there are still challenges in terms of technical capacity and infrastructure reliability that need to be improved as a whole. The introduction of m-banking at Bank Syariah Indonesia has great potential to increase competitiveness and strengthen the role of Sharia Banking in supporting financial inclusion in Indonesia.
ANALISIS STRATEGI BANK SYARIAH DALAM MENINGKATKAN PEMBIAYAAN BAGI PELAKU USAHA KECIL MENENGAH (UKM): INNER SHARIA BANK STRATEGY ANALYSIS INCREASING FINANCING FOR SMALL AND MEDIUM ENTERPRISES (UKM) Nadhea Jelita Pertiwi; 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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In the Indonesian economy, Micro, Small, and Medium Enterprises (MSMEs) constitute the largest group of businesses. Additionally, this sector has proven to be resilient against various economic crises. Therefore, strengthening the MSME sector is crucial, as it involves many stakeholders and plays a significant role in labor absorption. The development of MSMEs can create more jobs, improve the welfare of workers in the labor force, reduce unemployment, and ultimately contribute to poverty alleviation. The criteria for businesses that fall under MSMEs have been regulated under legal frameworks based on national laws. This study aims to explore the role of Islamic banking in supporting Micro, Small, and Medium Enterprises (MSMEs) at Bank Syariah Indonesia (BSI). The research employs data collection techniques to examine how poverty alleviation can be achieved, in part, by breaking the cycle of poverty itself. One approach to doing so is by providing broad access to financing sources for MSMEs, which is facilitated by financial institutions, particularly Islamic banks. Islamic banks are financial institutions that act as mediators in the economy by offering savings, financing, and other financial services based on the principles of trust derived from the Qur'an and Hadith. The goal of this research is to identify the strategies employed by Islamic banks to enhance financing for small and medium-sized enterprises (SMEs). Using a qualitative research method, this study aims to provide a clearer understanding of how Islamic banks can drive the growth of MSMEs and contribute to poverty reduction and social equity. aims to highlight.
MENGEMBANGKAN BAURAN PEMASARAN YANG SESUAI SYARIAH: STUDI TENTANG PERAN PRODUK, HARGA, PROMOSI, DAN TEMPAT DI BANK SYARIAH Mutia Ramadhani; 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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Penelitian ini bertujuan untuk mengembangkan bauran pemasaran yang sesuai dengan prinsip-prinsip syariah di Bank Syariah, dengan fokus pada peran produk, harga, promosi, dan tempat. Permasalahan pokok dalam penelitian ini adalah bagaimana bauran pemasaran (marketing mix) dapat diselaraskan dengan prinsip syariah, serta bagaimana komponen-komponen tersebut berperan dalam meningkatkan daya saing Bank Syariah. Penelitian ini dilakukan dengan menggunakan metode deskriptif kualitatif, melalui studi literatur dan analisis mendalam terhadap praktik pemasaran di beberapa Bank Syariah. Temuan penelitian menunjukkan bahwa produk yang ditawarkan harus sesuai dengan ketentuan syariah, harga harus mencerminkan keadilan, promosi dilakukan dengan cara yang jujur tanpa unsur manipulasi, dan distribusi atau tempat harus mudah diakses oleh konsumen yang membutuhkan. Hasil penelitian ini dapat menjadi pedoman dalam merumuskan strategi pemasaran yang efektif dan etis dalam perbankan syariah. Prospeknya adalah peningkatan kepercayaan konsumen dan loyalitas, serta daya saing Bank Syariah di pasar keuangan global.
PENGARUH AUGMENTED REALITY TERHADAP MINAT BELI LIPSTIK MAYBELLINE: DIMEDIASI SIKAP KONSUMEN DALAM PERSPEKTIF PEMASARAN SYARIAH Nurliana, Rena; Muhammad Kurniawan; Is Susanto
Jurnal Ilmiah Ekonomi Islam Vol. 11 No. 02 (2025): JIEI : Vol. 11, No. 02, 2025
Publisher : ITB AAS INDONESIA Surakarta

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Penelitian ini bertujuan untuk menganalisis pengaruh penggunaan teknologi augmented reality melalui fitur virtual try-on terhadap minat beli produk kosmetik Maybelline di Shopee Mall, dengan sikap konsumen sebagai variabel mediasi. Selain itu, studi ini juga mengeksplorasi bagaimana prinsip pemasaran syariah berperan dalam proses pengambilan keputusan pembelian melalui teknologi tersebut. Penelitian ini menggunakan pendekatan kuantitatif dengan metode Partial Least Squares – Structural Equation Modeling (PLS-SEM), melibatkan 100 responden perempuan di Bandar Lampung yang telah menggunakan fitur virtual try-on Shopee Mall. Data dikumpulkan melalui kuesioner online dengan teknik purposive sampling. Hasil penelitian menunjukkan bahwa augmented reality berpengaruh signifikan terhadap sikap konsumen dan minat beli. Sikap konsumen terbukti memediasi hubungan antara augmented reality dan minat beli, di mana semakin positif sikap konsumen terhadap teknologi ini, semakin tinggi kemungkinan mereka melakukan pembelian. Dari perspektif pemasaran syariah, teknologi ini dinilai mampu meningkatkan transparansi produk, namun masih diperlukan penguatan aspek kepercayaan agar konsumen lebih yakin dalam mengambil keputusan. Temuan ini memberikan kontribusi teoritis dalam memahami peran augmented reality dalam pemasaran digital dan integrasinya dengan nilai-nilai syariah. Secara praktis, hasil penelitian ini dapat menjadi referensi bagi perusahaan, pengembang teknologi, dan regulator dalam mengoptimalkan fitur virtual try-on agar lebih transparan dan efektif dalam mendorong minat beli konsumen.
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 Influence of Eco-Friendly Products, Product Quality, and Price on Purchase Decisions from an Islamic Business Perspective Chusnul Khotimah; Hanif; Is Susanto
Kartika: Jurnal Studi Keislaman Vol. 6 No. 2 (2026): Kartika: Jurnal Studi Keislaman (May)
Publisher : Lembaga Pendidikan Tinggi Nahdlatul Ulama (LPT NU) PCNU Kabupaten Nganjuk

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.59240/kjsk.v6i2.861

Abstract

This study aims to analyze the influence of Eco-Friendly Products, Product Quality and Price on Purchase Decisions of Garnier products in the Perspective of Islamic Business in Generation Z society in Bandar Lampung. This study was conducted by conducting a pre-survey of 33 respondents with the results still divided preferences for Garnier compared to other brands (48.5%) and not all respondents know some Garnier products that are environmentally friendly and do not feel comfortable with Garnier products (45.5%). in addition (63.6%) consider the price before buying and only (33.3%) buy granier products regularly. The study uses a quantitative approach with the nature of associative causal research. The research population is the Gen Z community in Bandar Lampung. Involving 100 sample respondents determined through the Slovin formula using criteria. Data collection using a questionnaire. Data is processed using SmartPLS 4. The results of the study found that environmentally friendly products, quality, and price had a positive and significant effect on Garnier's purchasing decisions, both partially and simultaneously, with price as the most dominant factor
Pengaruh Pertumbuhan Jumlah Penduduk Dan Produk Domestic Regional Bruto Terhadap Indeks Pembangunan Manusia Di Pulau Sumatera Tahun 2015-024 Dalam Perspektif Ekonomi Islam Ningsih, Dwi Arya; Fatih Fuadi; Is Susanto
Li Falah: Journal of Islamic Economics and Business Vol. 11 No. 1 (2026): June 2026
Publisher : Institut Agama Islam Negeri Kendari

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.31332/lifalah.v11i1.14666

Abstract

This study aims to examine, from an Islamic economics perspective, the effects of population growth and Gross Regional Domestic Product (GRDP) on the Human Development Index (HDI) across Sumatra Island during the 2015–2024 period. Using a quantitative approach, this research employs panel data obtained from the Central Statistics Agency (BPS) and analyzes the data through panel regression with the Fixed Effect Model (FEM). The results reveal that population growth has a positive and significant effect on HDI, while GRDP exerts a negative and significant effect; furthermore, both variables simultaneously influence HDI significantly. The coefficient of determination (R²) indicates that the independent variables explain a substantial proportion of the variation in HDI across the observed provinces. From the perspective of Islamic economics, these findings suggest that human development is determined not only by economic growth but also by the quality of human resources and equitable distribution, emphasizing that the achievement of comprehensive welfare (falah) requires a balance between economic expansion and social justice.
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