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All Journal Al-Kharaj: Journal of Islamic Economic and Business Jurnal Manajemen, Akuntansi, Ekonomi
Sonia Ramadhan
Unknown Affiliation
Economics, Econometrics & Finance

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Regresi Religiusitas Terhadap Konsumerisme pada Mahasiwa UIN Raden Fatah Palembang Sonia Ramadhan; Arma Yunis; Muhammad Daffa Dhiya’ulhaq; Rinol Sumantri; Heri Junaidi
Jurnal Manajemen, Akuntansi, Ekonomi Vol. 3 No. 3 (2025): Jurnal Manajemen, Akuntansi, Ekonomi
Publisher : CV. Era Digital Nusantara

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.59066/jmae.v3i3.1203

Abstract

The purpose of the article is to analyze how the understanding of religiosity of UIN Raden Fatah Palembang students on consumption behavior (consumerism). This article discusses how the understanding and application of religion has an influence on individual behavior, in this case consumption behavior. This article proves that a good understanding and application of religion can have a positive impact on consumption behavior. Meanwhile, religiosity is found to have a negative influence on student consumerism, meaning that the higher the level of student religiosity, the lower the student consumerism. This study suggests that religiosity affects student consumption behavior by 1.3%, while the remaining 98.7% is influenced by other variables not explained in this study.
The influence of sharia compliance and company reputation on customer decisions in using the services of Indonesian Islamic banks in the city of Palembang with trust as an intervening variable Sonia Ramadhan; Peny Cahaya Azwari; Rinol Sumantri
Al-Kharaj: Journal of Islamic Economic and Business Vol. 8 No. 2 (2026): SettingsVol. 8 No. 1 (2026): All articles in this issue include authors from 3
Publisher : LP2M IAIN Palopo

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.24256/kharaj.v8i2.10225

Abstract

The development of the Islamic banking industry in Indonesia shows a positive trend, but customer decisions in using Islamic bank services are still influenced by various factors, including sharia compliance, company reputation, and trust. This study aims to analyze the influence of sharia compliance and company reputation on customer decisions in using the services of Bank Syariah Indonesia in Palembang City with trust as an intervening variable. This study uses a quantitative approach with primary data obtained through the distribution of questionnaires to 150 respondents of Bank Syariah Indonesia customers in Palembang City who were selected using purposive sampling techniques. Data analysis was carried out using the Structural Equation Modeling method based on Partial Least Square (SEM-PLS). The results of the study show that sharia compliance does not have a significant effect on customer decisions or trust, and is not able to be mediated by trust. On the other hand, company reputation has a positive and significant effect on customer decisions and trust, and trust has been proven to be able to mediate the influence of company reputation on customer decisions. In addition, trust also has a positive and significant effect on customer decisions. The conclusion of this study emphasizes that company reputation and trust are dominant factors in influencing customer decisions, while sharia compliance has not yet become the main consideration, so Islamic banking needs to strengthen its image and trust to increase customer interest
Co-Authors Arma Yunis Heri Junaidi Muhammad Daffa Dhiya’ulhaq Peny Cahaya Azwari Rinol Sumantri