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All Journal Likuid: Jurnal Ekonomi Industri Halal Gunung Djati Conference Series JEMBA: Journal of Economics, Management, Business, and Accounting
Alya Azhana Maulidha
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Religion Agriculture, Biological Sciences & Forestry Biochemistry, Genetics & Molecular Biology Chemical Engineering, Chemistry & Bioengineering Chemistry Computer Science & IT Economics, Econometrics & Finance Education Energy Engineering Environmental Science Industrial & Manufacturing Engineering Languange, Linguistic, Communication & Media Law, Crime, Criminology & Criminal Justice Library & Information Science Mathematics Other

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Dampak Kebijakan Moneter Syariah Terhadap Pertumbuhan Ekonomi Makro: Analisis Perbandingan Dengan Kebijakan Konvensional Alya Azhana Maulidha; Deni Supriatna; Lidia Nuramalina; Muhamad Tanzi
JEMBA: Journal of Economics, Management, Business and Accounting Vol. 2 No. 3 (2024): JEMBA: Journal of Economics, Management, Business, and Accounting
Publisher : Lentera Barasaki Publishing House

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.54783/jemba.v2i3.72

Abstract

Penelitian ini bertujuan untuk menganalisis perbandingan antara kebijakan moneter syariah dan kebijakan moneter konvensional dalam mempengaruhi pertumbuhan ekonomi makro. Kebijakan moneter syariah, yang berlandaskan prinsip Islam seperti pelarangan riba dan transaksi spekulatif, mendorong penggunaan instrumen berbasis keuntungan dan aset riil. Di sisi lain, kebijakan konvensional mengandalkan instrumen suku bunga dan pengendalian jumlah uang beredar. Melalui pendekatan komparatif, penelitian ini mengevaluasi efektivitas kebijakan moneter syariah dan konvensional dalam mencapai stabilitas ekonomi makro. Hasil penelitian ini diharapkan memberikan wawasan bagi para pembuat kebijakan dalam memilih kebijakan moneter yang sesuai dengan nilai-nilai lokal serta meningkatkan minat terhadap sistem keuangan syariah yang lebih inklusif dan berkelanjutan.
EVALUASI ETIS TERHADAP FEAR-BASED MARKETING DALAM PEMASARAN KEUANGAN SYARIAH: ANALISIS KONSEPTUAL-NORMATIF DAN SOLUSI STRATEGIS Alya Azhana Maulidha; Ridwan Alamsyah
Gunung Djati Conference Series Vol. 56 (2025): Seminar Nasional Ekonomi dan Bisnis Islam
Publisher : UIN Sunan Gunung Djati Bandung

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Abstract

Strategi pemasaran berbasis rasa takut (fear-based marketing) kerap digunakan dalam promosi produk keuangan guna menimbulkan sense of urgency. Namun, dalam konteks keuangan syariah, pendekatan ini menimbulkan dilema etika karena berpotensi menciptakan manipulasi emosional yang bertentangan dengan nilai-nilai Islam. Penelitian ini menggunakan pendekatan kualitatif deskriptif dengan analisis konseptual-normatif untuk mengevaluasi kesesuaian fear-based marketing dengan prinsip-prinsip etika Islam. Hasil kajian menunjukkan bahwa strategi ini tidak sejalan dengan nilai-nilai seperti shidq (kejujuran), transparansi, dan da‘wah bil ḥikmah. Sebagai alternatif, experiential marketing dan model EPIC ditawarkan sebagai pendekatan promosi yang lebih etis dan sejalan dengan maqāṣid al-sharī‘ah. Kedua strategi ini menekankan pengalaman positif, edukasi, dan empati, sehingga lebih efektif dalam membangun kepercayaan dan loyalitas konsumen secara berkelanjutan.
What Drives Students’ Intention to Use Islamic Banking Services? Evidence From a SEM-PLS Analysis Ridwan Alamsyah; Alya Azhana Maulidha; Muhamad Tanzi Maulana; Berakon, Izra
Likuid Jurnal Ekonomi Industri Halal Vol. 6 No. 1 (2026): LIKUID: Jurnal Ekonomi Industri Halal
Publisher : Sharia Economics Study Program Faculty of Islamic Economics and Business UIN Sunan Gunun

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Abstract

The development of Islamic banking in Indonesia continues to grow however, the level of adoption among university students remains relatively limited. This phenomenon is particularly evident among students of the Faculty of Islamic Economics and Business (FEBI), who formally study Islamic economics and finance but do not necessarily use Islamic banking services in their daily financial activities. Understanding the factors that drive students’ intention to use Islamic banking services is therefore essential to support the expansion of the Islamic banking industry. This study aims to analyze the determinants influencing the intention of FEBI students to use Islamic banking services. A quantitative approach was employed using Partial Least Squares–Structural Equation Modelling (PLS-SEM), with data collected from FEBI students through a structured questionnaire. The results indicate that perceived ease of use has a significant effect on students’ intention to use Islamic banking services, while perceived usefulness, trust, social influence, and switching cost do not show significant effects. These findings suggest that ease of use plays a crucial role in encouraging FEBI students to adopt Islamic banking services. The study provides practical implications for Islamic banks to prioritize the development of user-friendly and accessible services to attract young consumers, particularly those with an academic background in Islamic economics and finance.
Co-Authors Berakon, Izra Deni Supriatna Lidia Nuramalina Muhamad Tanzi Muhamad Tanzi Maulana Ridwan Alamsyah