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All Journal Jurnal Ilmiah Ekonomi Islam IIJSE
Rangkuti, Ririn Anjani
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Economics, Econometrics & Finance Social Sciences

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Analisis Perilaku Konsumsi Mahasiswi Dalam Membeli Produk Skincare Perspektif Teori Konsumsi Islam Monzer Khaf (Studi Kasus Pada Mahasiswi Perbankan Syariah STAI Al-Ishlahiyah Binjai) Rangkuti, Ririn Anjani; Sugianto, Sugianto
Jurnal Ilmiah Ekonomi Islam Vol 10, No 3 (2024): JIEI : Vol.10, No.3, 2024
Publisher : ITB AAS INDONESIA Surakarta

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.29040/jiei.v10i3.15085

Abstract

Observing today's phenomenon, skincare products have become an option for many women to look beautiful when caring for their skin. Likewise with STAI Al-Islahiyah Binjai Sharia Banking students. Some people buy it because they need it, some because they want it. The purpose of this article is to examine female students' consumptive behavior towards skincare products and female students' consumptive behavior towards skincare products from the perspective of Monzer Khaf's Islamic consumption theory. This study includes field research with a qualitative descriptive method approach. The data in this research was collected through observation techniques, interviews and documentation studies. Data was analyzed through data reduction, data presentation, and data verification. The study findings show that the consumption behavior of female students in consuming skincare products is more based on pure lust and desires accompanied by too high expectations for skincare products, thus stimulating them to change various brands excessively and causing wastage and waste. The consumption behavior of female students from Monzer Khaf's Islamic consumption perspective is not yet fully appropriate and implemented.
Analisis Perilaku Konsumsi Mahasiswi Dalam Membeli Produk Skincare Perspektif Teori Konsumsi Islam Monzer Khaf (Studi Kasus Pada Mahasiswi Perbankan Syariah STAI Al-Ishlahiyah Binjai) Rangkuti, Ririn Anjani; Sugianto, Sugianto
Jurnal Ilmiah Ekonomi Islam Vol. 10 No. 3 (2024): JIEI : Vol.10, No.3, 2024
Publisher : ITB AAS INDONESIA Surakarta

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.29040/jiei.v10i3.15085

Abstract

Observing today's phenomenon, skincare products have become an option for many women to look beautiful when caring for their skin. Likewise with STAI Al-Islahiyah Binjai Sharia Banking students. Some people buy it because they need it, some because they want it. The purpose of this article is to examine female students' consumptive behavior towards skincare products and female students' consumptive behavior towards skincare products from the perspective of Monzer Khaf's Islamic consumption theory. This study includes field research with a qualitative descriptive method approach. The data in this research was collected through observation techniques, interviews and documentation studies. Data was analyzed through data reduction, data presentation, and data verification. The study findings show that the consumption behavior of female students in consuming skincare products is more based on pure lust and desires accompanied by too high expectations for skincare products, thus stimulating them to change various brands excessively and causing wastage and waste. The consumption behavior of female students from Monzer Khaf's Islamic consumption perspective is not yet fully appropriate and implemented.
Strategic Efforts to Enhance the Mudharabah Financing Portfolio at PT Bank Sumut Syariah Medan through the Analytic Network Process (ANP) Approach Rangkuti, Ririn Anjani; Nasution, Yenni Samri Juliati; Anggraini, Tuti
Indonesian Interdisciplinary Journal of Sharia Economics (IIJSE) Vol 8 No 1 (2025): Sharia Economics
Publisher : Sharia Economics Department Universitas KH. Abdul Chalim, Mojokerto

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.31538/iijse.v8i3.7901

Abstract

Islamic banking in Indonesia has experienced rapid growth in recent years, in line with the increasing public awareness of fair and sustainable Islamic economic principles. The mudharabah contract, as one of the core profit-sharing products in Islamic banking, holds significant potential in supporting real sector financing, particularly for MSMEs. However, data from PT Bank Sumut Syariah for the 2019-2023 period indicates a declining trend in the proportion of mudharabah financing, reflecting strategic challenges such as moral hazard risks, information asymmetry, and the bank’s preference for lower-risk contracts like murabahah. This study aims to formulate strategies to enhance the mudharabah financing portfolio at PT Bank Sumut Syariah in Medan using the Analytic Network Process (ANP) method. Data were collected through in-depth interviews with experts, regulators, and practitioners involved in mudharabah financing. The findings reveal that the factors contributing to the fluctuation and relatively low share of mudharabah financing compared to other contracts are divided into two main aspects: internal and external. To address these challenges, one effective solution is to provide training for MSME actors to improve their skills and capabilities. The top priority strategies include: maximizing the implementation of mudharabah, strengthening the capital portfolio, accurate market segmentation, establishing a risk guarantee institution, conducting education and outreach programs, and fostering partnerships with external mentoring organizations.
Co-Authors Hamdiah, Vidairotul Saparuddin Siregar Siregar, Fitri Susanti Sugianto Sugianto Tuti Anggraini YENNI SAMRI JULIATI NASUTION, YENNI SAMRI JULIATI