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All Journal Neo Journal of economy and social humanities Al-Kharaj: Jurnal Ekonomi, Keuangan & Bisnis Syariah
Yeni Susanti
UIN Raden Intan Lampung
Agriculture, Biological Sciences & Forestry Humanities Decision Sciences, Operations Research & Management Economics, Econometrics & Finance Industrial & Manufacturing Engineering Social Sciences

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Pengaruh Kualitas Layanan Elektronik, Ekspektasi Performa dan Persepsi Risiko Terhadap Keputusan Penggunaan Berkelanjutan Aplikasi DANA dalam Perspektif Bisnis Islam: Studi pada Pengguna Aplikasi DANA di Bandar Lampung Baskara Ade Putra; Muhammad Iqbal; Yeni Susanti
Al-Kharaj: Jurnal Ekonomi, Keuangan & Bisnis Syariah Vol. 7 No. 6 (2025): Al-Kharaj: Jurnal Ekonomi, Keuangan & Bisnis Syariah
Publisher : Intitut Agama Islam Nasional Laa Roiba Bogor

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.47467/alkharaj.v7i6.8112

Abstract

This study aims to analyze the influence of electronic service quality, performance expectancy, and risk perception on the continued usage intention of the DANA application in Bandar Lampung, as well as to explore these findings from an Islamic business perspective. This research employs a quantitative approach with data collected through questionnaires distributed to 100 active users of the DANA application. The data were analyzed using Structural Equation Modeling (SEM) with the assistance of SmartPLS software. The results show that, partially, electronic service quality and performance expectancy have a positive and significant effect on the continued usage intention of the DANA application. Meanwhile, risk perception has a negative but not significant effect. Simultaneously, all three variables have a significant effect on continued usage intention. From an Islamic business perspective, the DANA application is considered to have made efforts to uphold muamalah principles such as justice, honesty, trustworthiness, and protection of public interest. This is reflected in the transparency of services, user data security, and accessibility for various user groups, particularly micro, small, and medium enterprises. Therefore, the DANA application can be deemed in line with Sharia values as long as it is managed responsibly and ethically.
The Influence of Flashsale, Bundling Products, and Social Media Marketing on Skintific Skincare Purchase Decision in Skintific Official Shop According to Islamic Business Perspective: (Study on Consumers of Tiktok Shop Users in Bandar Lampung) Ananda Mery Sofiana; Zulaikah; Yeni Susanti
Neo Journal of economy and social humanities Vol 4 No 3 (2025): Neo Journal of Economy and Social Humanities
Publisher : International Publisher (YAPENBI)

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.56403/nejesh.v4i3.260

Abstract

The purpose of this study is to examine the impact of flash sales, bundling products, and social media marketing on purchasing decisions of Skintific skincare at the Skintific Official Shop on TikTok Shop in Islamic business perspective. A quantitative approach with a purposive sampling strategy and a sample size of 100 respondents was used to study Bandar Lampung customers. Respondents who had bought Skintific products through TikTok Shop were given questionnaires to complete in order to gather data, and the Smart-PLS program was used for analysis. The association between the independent factors (social media marketing, flash sales, and product bundling) and the dependent variable (buying decision) was investigated using multiple linear regression analysis. The findings indicate that flash sale, social media marketing, and product bundling significantly and favourably influence consumers' decisions to buy. In order to improve customer purchase decisions, business practitioners can use the findings from this study to optimise digital marketing techniques in line with Islamic business principles.
The Effect of Customer Experience, Product Variation and Customer Satisfaction on Customer Loyalty in Islamic Business Perspective (Study on Customer of PT. Pegadaian CP Tanjung Karang Center) Lilis Jayanti; Zulaikah; Yeni Susanti
Neo Journal of economy and social humanities Vol 4 No 2 (2025): Neo Journal of Economy and Social Humanities
Publisher : International Publisher (YAPENBI)

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.56403/nejesh.v4i2.299

Abstract

This study aims to analyze the effect of customer experience, product variation and customer satisfaction on customer loyalty at PT. Pegadaian CP Tanjung Karang Center. This type of research is a quantitative research with descriptive and associative approach. In this study the population used is the customer of PT. Pegadaian CP Tanjung Karang Center. Determination of the sample size is based on the calculation of the slovin method, then the number of samples in this study is 100 respondents. The data collection technique of this study is spread questionnaire. Data analysis tools used in this study using SPSS 25. The results of the study explain that customer experience has a positive and significant effect on customer loyalty. Good experience, honesty, and fairness in Islamic business is able to increase trust and loyalty. Product variations also have a positive and significant effect on loyalty, because they are able to meet the needs of various customers. Customer satisfaction shows a positive and significant influence on loyalty satisfied customers will tend to remain loyal and have ongoing confidence in PT. Pegadaian services. Simultaneously, the three variables together affect customer loyalty positively and significantly. In the Islamic business perspective, transparency, honesty, and trustworthiness are the basis for creating customer satisfaction and loyalty, as well as supporting business sustainability, increasing the trust of the PT. Pegadaian community.
The Influence of Lifestyle, Risk Perception, and Ease of Transaction on the Decision to Use Digital Wallet Payment Method is Reviewed in an Islamic Business Perspective : (A Study on DANA Application Users in Bandar Lampung) Elfany; Zulaikah; Yeni Susanti
Neo Journal of economy and social humanities Vol 4 No 2 (2025): Neo Journal of Economy and Social Humanities
Publisher : International Publisher (YAPENBI)

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.56403/nejesh.v4i2.300

Abstract

This study aims to identify “the influence of lifestyle, risk perception and ease of transaction on decisions using digital wallet payment methods reviewed in the perspective of Islamic Business (study on dana application users in Bandar Lampung). This study uses a quantitative approach. The population in this study are users of the application of funds in the city of Bandar Lampung. Obtained the number of samples of 96.04 rounded to 100 respondents by using the formula unknown population and using purposive sampling techniques. Based on the results of research that has been conducted, it shows that lifestyle, risk perception, and ease of transaction partially have a positive and significant effect on decisions using digital wallet payment methods. Lifestyle, risk perception, and ease of transaction simultaneously have a positive and significant effect on the decision to use the digital wallet payment method on DANA application users in Bandar Lampung City.
Impact of Thrifting Presence on Local Brands in Bandar Lampung According to Islamic Business Perspective Rega Ardian; Vicky F Sanjaya; Yeni Susanti
Neo Journal of economy and social humanities Vol 5 No 1 (2026): Neo Journal of Economy and Social Humanities
Publisher : International Publisher (YAPENBI)

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.56403/nejesh.v5i1.392

Abstract

This study aims to analyze the impact of the presence of the thrifting phenomenon on the sustainability of local brands in Bandar Lampung, using the perspective of Islamic business as an analysis framework. The method used is a Combination of Field research and literature, employing a qualitative approach, involving interviews with local brand owners such as Otsky, Kaway, Market Donkey, and The Done House. The results showed that the accelerated thrift trend following COVID-2019 led to significant asymmetric competition, resulting in a decrease in sales and profit margins for local brands as consumers switched to thrift products that offered unique models at much lower prices. From an Islamic perspective, the practice of trafficking illegal imports is considered vulnerable to violations of the principles of Shiddiq and Ghirar in transactions, as well as violating the principles of Al-'Adl due to the unfair advantage of avoiding legal fees. Therefore, the policy of banning the import of used clothing is justified by the Shari'ah through the principle of Mashlahah Mursalah to protect Hifzh al-Mal and hifzh an-Nafs. It is recommended that local brands use ethical integrity as the main competitive differentiation by strengthening Shiddiq and Amanah, and adopting a slow Fashion narrative that is oriented towards Mashlahah.
Co-Authors Ananda Mery Sofiana Baskara Ade Putra Elfany Iqbal, Muhammad Lilis Jayanti Rega Ardian Vicky F Sanjaya Zulaikah