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All Journal Al Iman: Jurnal Keislaman dan Kemasyarakatan Jurnal Intelek Insan Cendikia Jurnal Riset Multidisiplin Edukasi PESHUM Al Iman: Jurnal Keislaman dan Kemasyarakatan
Baiq Ismiati
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Religion Humanities Decision Sciences, Operations Research & Management Economics, Econometrics & Finance Education Languange, Linguistic, Communication & Media Law, Crime, Criminology & Criminal Justice Social Sciences Other

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Pengaruh Sertifikat Halal, Kualitas Produk Dan Variasi Produk Terhadap Volume Penjualan UMKM Bakpia Di Kota Yogyakarta Surani, Bekti; Al Haq Kamal; Febrian Wahyu Wibowo; Baiq Ismiati
PESHUM : Jurnal Pendidikan, Sosial dan Humaniora Vol. 4 No. 3: April 2025
Publisher : CV. Ulil Albab Corp

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.56799/peshum.v4i3.8206

Abstract

Penelitian ini bertujuan untuk menganalisis pengaruh sertifikat halal, kualitas produk, dan variasi produk terhadap volume penjualan UMKM Bakpia di Kota Yogyakarta. Sertifikat halal dianggap sebagai faktor penting dalam keputusan pembelian, terutama bagi konsumen Muslim, sementara kualitas dan variasi produk berperan dalam meningkatkan daya saing dan kepuasan pelanggan. Penelitian ini menggunakan pendekatan kuantitatif dengan metode pengumpulan data melalui kuesioner yang disebarkan kepada 70 pelaku UMKM bakpia di Yogyakarta. Data dianalisis menggunakan uji regresi linier berganda. Hasil penelitian menunjukkan bahwa sertifikat halal tidak berpengaruh signifikan terhadap volume penjualan, sedangkan kualitas produk dan variasi produk memiliki pengaruh positif dan signifikan. Secara simultan, ketiga variabel tersebut berpengaruh signifikan terhadap volume penjualan. Kesimpulan penelitian ini menegaskan bahwa kualitas dan variasi produk lebih berperan dalam meningkatkan volume penjualan dibandingkan sertifikat halal.
ANALISIS AKAD TABUNGAN EMAS DI PEGADAIAN SYARIAH DALAM PERSPEKTIF EKONOMI ISLAM(Studi Kasus Unit Pegadaian Syariah Mlati, Sleman, Yogyakarta) Aulia Faradita; Abdul Salam; Baiq Ismiati; Febrian Wahyu Wibowo
Jurnal Riset Multidisiplin Edukasi Vol. 2 No. 7 (2025): Jurnal Riset Multidisiplin Edukasi (Edisi Juli 2025)
Publisher : PT. Hasba Edukasi Mandiri

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.71282/jurmie.v2i7.677

Abstract

This study aims to analyze the practice of gold savings products at the Mlati Sharia Pawnshop Unit from an Islamic economic perspective and to identify factors that influence customer interest in gold savings products. The background of this study is based on the phenomenon of increasing interest in gold investment because it is considered safe, stable, and profitable, but its implementation still leaves various problems related to contracts, transparency, and customer understanding of sharia principles. This study uses a descriptive qualitative approach method with data collection techniques in the form of interviews, observations, and documentation. Data analysis was carried out with the help of Atlas.ti software version 9. The research sources consisted of unit managers and customers who use gold savings. The results of the study indicate that the Mlati Sharia Pawnshop Unit has succeeded in implementing murabahah and wadi'ah contracts in gold savings appropriately and in accordance with Islamic economic values. However, it is necessary to increase public literacy so that understanding of sharia contracts can be more optimal in supporting the development of the Islamic economy in Indonesia. Customer interest is influenced by several factors, namely, level of understanding, ease of access, economic conditions, perceptions of investment security, and trust in institutions. The conclusion of this study confirms that Pegadaian Syariah has succeeded in presenting affordable, safe, and digital-based financial products, which are in line with the needs of modern society and in accordance with Islamic values. Gold savings at Pegadaian Syariah have great potential to be developed amidst the increasing public interest in sharia-based gold investment.
PENGARUH FLUKTUASI HARGA, ETOS KERJA ISLAM DAN PENDAPATAN KELUARGA TERHADAP KESEJAHTERAAN PETANI KARET MUSLIM N Aulya Putri Savira; Abdul Salam; Baiq Ismiati; Ahmad Yunadi
Jurnal Intelek Insan Cendikia Vol. 2 No. 7 (2025): JULI 2025
Publisher : PT. Intelek Cendikiawan Nusantara

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Abstract

This study aims to analyze the influence of price fluctuations, Islamic work ethic, and family income on the welfare of Muslim rubber farmers (case study of rubber farmers in Batumarta II). This study employs a quantitative method using questionnaires, involving 100 respondents selected using the Taro Yamane formula. The independent variables include price fluctuations (X1), Islamic work ethic (X2), family income (X3), while the dependent variable is welfare (Y). Data analysis is conducted using EViews 12 with reliability tests, classical assumptions, multiple linear regression, T-tests, F-tests, and R2 tests. The results show that the price fluctuation variable has a positive but insignificant effect on family well-being, while the variables of Islamic work ethos and family income have an effect on the welfare of Muslim rubber farmers in Batumarta II.
Pengaruh Literasi Keuangan Syariah, Perilaku Keuangan, Dan Financial Self Efficacy Terhadap Efektivitas Keuangan Keluarga Studi Pada Masyarakat Kabupaten Kebumen Putri Rahayu, Dea; Baiq Ismiati; Al Haq Kamal; Abdul Salam
PESHUM : Jurnal Pendidikan, Sosial dan Humaniora Vol. 4 No. 6: Oktober 2025
Publisher : CV. Ulil Albab Corp

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.56799/peshum.v4i6.11361

Abstract

Penelitian ini bertujuan untuk menemukan bukti adanya pengaruh Literasi Keuangan Syariah, Perilaku Keuangan, dan Financial Self Efficacy terhadap Efektivitas Keuangan Keluarga. Jenis penelitian ini adalah Kuantitatif. Data dalam penelitian ini menggunakan data primer dengan menggunakan teknik pengumpulan data melalui angket dan kuesioner. Sampel dalam penelitian ini sebanyak 100 responden yang dibagikan kepada masyarakat Kabupaten Kebumen dan diperoleh dengan menggunakan rumus Slovin. Teknik pengambilan sampel dalam penelitian ini menggunakan metode purposive sampling. Data dianalisis menggunakan aplikasi SPSS 25. Variabel independent dalam penelitian ini Literasi Keuangan Syariah (X1), Perilaku Keuangan (X2), dan Financial Self Efficacy (X3), sedangkan variabel dependent adalah Efektivitas Keuangan Keluarga (Y). Hasil penelitian ini menunjukkan bahwa (1) Literasi Keuangan Syariah berpengaruh signifikan terhadap Efektivitas Keuangan Keluarga Masyarakat Kabupaten Kebumen. Tingkat literasi keuangan yang tinggi memperluas pengetahuan pengelolaan keuangan, menghasilkan ide dan wawasan untuk memahami teknik penerapan kaidah-kaidah pengelolaan keuangan yang baik. (2) Perilaku Keuangan berpengaruh signifikan terhadap Efektivitas Keuangan Keluarga Masyarakat Kabupaten Kebumen. Keluarga yang bijak dalam mengelola keuangan, mengikuti anggaran, menabung, dan membuat keputusan investasi yang tepat akan lebih mampu mencapai tujuan keuangan dan meningkatkan kesejahteraan ekonomi. (3) Financial Self Efficacy berpengaruh signifikan terhadap Efektivitas Keuangan Keluarga Masyarakat Kabupaten Kebumen. Keluarga dengan financial self efficacy yang tinggi cenderung lebih percaya diri dalam mengambil keputusan keuangan dan merencanakan keuangan dengan lebih baik.
The Influence of Fear of Missing Out (FOMO), Lifestyle and Sharia Financial Literacy on Impulse Buying Sharia Fashion Setiyawati, Jelena Ika; Febrian Wahyu Wibowo; Baiq Ismiati; Rusny Istiqomah Sujono
Al Iman: Jurnal Keislaman dan Kemasyarakatan Vol. 10 No. 1 (2026): Al-Iman Jurnal Keislaman dan Kemasyarakatan
Publisher : STID Raudlatul Iman Sumenep

Show Abstract | Download Original | Original Source | Check in Google Scholar

Abstract

The needs of today's society are very diverse, especially in the sharia fashion industry. In addition to basic needs, the rapidly growing modern phenomenon is driven by psychological and social factors. The development of the sharia fashion industry has given rise to various model trends in society. This raises concerns in consumer behavior, namely impulse buying. This study aims to analyze the effect of Fear of Missing Out (FOMO), lifestyle, and sharia financial literacy on impulse buying sharia fashion. Through a quantitative approach, data were obtained from 130 respondents with the criteria of having an interest in sharia fashion using a purposive sampling technique. The analysis method used is multiple linear regression. The results of the study concluded that Fear of Missing Out (FOMO), lifestyle, and sharia financial literacy on impulse buying sharia fashion simultaneously have a significant effect on purchasing decisions. Partially, Fear of Missing Out (FOMO) and lifestyle have a positive and significant effect, while sharia financial literacy shows a significant negative effect. These findings provide implications for consumers to improve sharia financial literacy in order to control impulse buying behavior caused by FOMO and lifestyle. Kebutuhan masyarakat saat ini sangatlah beragam, khususnya dalam industri sharia fashion. Selain kebutuhan dasar, fenomena modern yang berkembang pesat yang didorong oleh faktor psikologis dan sosial. Berkembangnya industri sharia fashion ini memunculkan berbagai tren model di masyarakat. Hal ini memberikan kekhawatiran dalam perilaku konsumen, yaitu impulse buying. Penelitian ini bertujuan untuk menganalisis pengaruh Fear of Missing Out (FOMO), lifestyle, dan sharia financial literacy terhadap impulse buying sharia fashion. Melalui pendekatan kuantitatif, data diperoleh dari 130 responden dengan kriteria memiliki ketertarikan terhadap sharia fashion dengan menggunakan teknik purposive sampling. Metode analisis yang digunakan adalah regresi linear berganda. Hasil penelitian menyimpulkan bahwa Fear of Missing Out (FOMO), lifestyle, dan sharia financial literacy terhadap impulse buying sharia fashion secara simultan berpengaruh signifikan terhadap keputusan pembelian. Secara parsial, Fear of Missing Out (FOMO) dan lifestyle memiliki pengaruh positif dan signifikan, sedangkan sharia financial literacy menunjukan pengaruh negatif signifikan. Temuan ini memberikan implikasi bagi konsumen untuk meningkatkan literasi keuangan syariah guna mengontrol perilaku impulse buying yang disebabkan oleh FOMO dan lifetsyle.
The Influence of Fear of Missing Out (FOMO), Lifestyle and Sharia Financial Literacy on Impulse Buying Sharia Fashion Setiyawati, Jelena Ika; Febrian Wahyu Wibowo; Baiq Ismiati; Rusny Istiqomah Sujono
Al Iman: Jurnal Keislaman dan Kemasyarakatan Vol. 10 No. 1 (2026): Al-Iman Jurnal Keislaman dan Kemasyarakatan
Publisher : STID Raudlatul Iman Sumenep

Show Abstract | Download Original | Original Source | Check in Google Scholar

Abstract

The needs of today's society are very diverse, especially in the sharia fashion industry. In addition to basic needs, the rapidly growing modern phenomenon is driven by psychological and social factors. The development of the sharia fashion industry has given rise to various model trends in society. This raises concerns in consumer behavior, namely impulse buying. This study aims to analyze the effect of Fear of Missing Out (FOMO), lifestyle, and sharia financial literacy on impulse buying sharia fashion. Through a quantitative approach, data were obtained from 130 respondents with the criteria of having an interest in sharia fashion using a purposive sampling technique. The analysis method used is multiple linear regression. The results of the study concluded that Fear of Missing Out (FOMO), lifestyle, and sharia financial literacy on impulse buying sharia fashion simultaneously have a significant effect on purchasing decisions. Partially, Fear of Missing Out (FOMO) and lifestyle have a positive and significant effect, while sharia financial literacy shows a significant negative effect. These findings provide implications for consumers to improve sharia financial literacy in order to control impulse buying behavior caused by FOMO and lifestyle. Kebutuhan masyarakat saat ini sangatlah beragam, khususnya dalam industri sharia fashion. Selain kebutuhan dasar, fenomena modern yang berkembang pesat yang didorong oleh faktor psikologis dan sosial. Berkembangnya industri sharia fashion ini memunculkan berbagai tren model di masyarakat. Hal ini memberikan kekhawatiran dalam perilaku konsumen, yaitu impulse buying. Penelitian ini bertujuan untuk menganalisis pengaruh Fear of Missing Out (FOMO), lifestyle, dan sharia financial literacy terhadap impulse buying sharia fashion. Melalui pendekatan kuantitatif, data diperoleh dari 130 responden dengan kriteria memiliki ketertarikan terhadap sharia fashion dengan menggunakan teknik purposive sampling. Metode analisis yang digunakan adalah regresi linear berganda. Hasil penelitian menyimpulkan bahwa Fear of Missing Out (FOMO), lifestyle, dan sharia financial literacy terhadap impulse buying sharia fashion secara simultan berpengaruh signifikan terhadap keputusan pembelian. Secara parsial, Fear of Missing Out (FOMO) dan lifestyle memiliki pengaruh positif dan signifikan, sedangkan sharia financial literacy menunjukan pengaruh negatif signifikan. Temuan ini memberikan implikasi bagi konsumen untuk meningkatkan literasi keuangan syariah guna mengontrol perilaku impulse buying yang disebabkan oleh FOMO dan lifetsyle.
Co-Authors Abdul Salam Al Haq Kamal Aulia Faradita Febrian Wahyu Wibowo N Aulya Putri Savira Putri Rahayu, Dea Rusny Istiqomah Sujono Setiyawati, Jelena Ika Surani, Bekti Yunadi, Ahmad