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All Journal Jurnal Ekonomi Syariah Teori dan Terapan Jurnal Ekonomika dan Bisnis Islam International Journal of Islamic Business and Economics (IJIBEC)
Amalia, Hani Khairo
Unknown Affiliation
Religion Economics, Econometrics & Finance Environmental Science

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Analisis Skala Produksi UMKM Musae Chips Sebelum dan Sesudah Pembinaan Oleh KPw Bank Indonesia Jember Masruroh, Amalia; Amalia, Hani Khairo; Widiastuti, Tika
Jurnal Ekonomika dan Bisnis Islam Vol 7 No 3 (2024): Desember
Publisher : Universitas Negeri Surabaya

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.26740/jekobi.v7n3.p121-135

Abstract

The MSME development program has become a key instrument in increasing consumer purchasing power, ultimately helping to mitigate monetary crises. Bank Indonesia plays a role as the monetary authority, with the Social Program of Bank Indonesia (PSBI) serving as an expression of empathy in addressing socio-economic issues. The KPw Bank Indonesia is also involved in MSME development programs, including the Musae Chips banana chips MSME in Jember. This study aims to: Understand the development process by KPw Bank Indonesia Jember for Musae Chips MSME, and Compare the production scale before and after the development program. The research employs a qualitative approach with a descriptive method, conducted at KPw Bank Indonesia Jember and Musae Chips MSME in Bangsalsari, Jember. Data collection techniques include observation, interviews, and documentation, with descriptive analysis and data validation through source triangulation. The results show that the development process focuses on enhancing MSME skills through training in various areas, including management, production, financing, and marketing, as well as organizing exhibitions to expand market reach. The production scale of Musae Chips MSME increased after the development program, but input costs also rose, affecting the product's pricing. The implications of these results indicate that the training successfully improved the skills and production scale of Musae Chips' MSMEs, which has the potential to expand market reach. However, the increase in input costs after the training may affect product prices, requiring a competitive pricing strategy to remain attractive to consumers.
The Role of Perceived Service Quality and Islamic Financial Literacy on Customer Loyalty In NTB Syariah Bank Firdaus, Achmad; Amalia, Hani Khairo
International Journal of Islamic Business and Economics (IJIBEC) Vol 8 No 1 (2024): Volume 8 Nomor 1 Tahun 2024
Publisher : Universitas Islam Negeri K.H. Abdurrahman Wahid Pekalongan

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.28918/ijibec.v8i1.6809

Abstract

Islamic banks need to develop strategies to increase customer loyalty. It prevents customers from switching to other banks and ensures business survival. This is especially true for Islamic regional banks with relatively homogeneous customer bases. This study investigates the impact of perceived service quality and Islamic financial literacy on customer loyalty in NTB Syariah Bank, which is recognized for its excellence in regional banking. Through purposive sampling, data is gathered via questionnaires from 85 respondents after filtering through 112 respondents and analysed using Structural Equation Modelling (SEM). Key findings reveal that service quality significantly influences customer loyalty, with empathy and tangibility emerging as crucial factors. Empathy is crucial in fostering positive customer experiences and building long-term relationships. A high level of tangibility can enhance customer confidence and satisfaction. Additionally, the study underscores the positive correlation between service quality, Islamic financial literacy, and customer loyalty. Practical implications highlight the importance of enhancing financial literacy and fostering trust in Islamic banking through regulatory support and educational initiatives. This research fills a gap in understanding regional bank practices and offers insights for tailored financial literacy programs in rural communities.
MODEL KOPERASI ISLAM DARI BEBERAPA NEGARA MUSLIM DAN NON MUSLIM Amalia, Hani Khairo; Hidayat, Rofik
Jurnal Ekonomika dan Bisnis Islam Vol 8 No 1 (2025): April
Publisher : Universitas Negeri Surabaya

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.26740/jekobi.v8n1.p113-128

Abstract

This study explores the Islamic cooperative model, which is gaining increasing attention in the global economy, particularly among member countries of the Organization of Islamic Cooperation (OIC). Islamic economic principles, which emphasize social values, justice, and community empowerment, face challenges such as low human resource quality, limited capital, inadequate managerial capabilities, and low member awareness. With the rapid growth of cooperatives in various countries, new challenges and opportunities have emerged in developing cooperative models that align with Islamic economic principles while integrating local values and culture. This study aims to explore and analyze successful cooperative models implemented in several countries and investigate strategies and innovations for the sustainable and inclusive development of Islamic cooperatives. Using bibliometric and content analysis, this research finds that several Muslim and non-Muslim countries have developed innovative Islamic cooperative models. Integration with fintech can enhance efficiency and financial inclusion. Islamic cooperatives have demonstrated positive impacts on the economic and social welfare of communities. Recommendations include fostering innovation, promoting international collaboration, providing government policy support, and enhancing education and promotion to improve understanding and acceptance of Islamic cooperatives. Future research is suggested to conduct comparative studies, explore technology integration, and assess long-term impacts to expand the understanding of Islamic cooperative models and their potential.
Psychological Determinants and Mediating Mechanisms of Muslim Consumers’ Intention to Boycott Israeli Products Amalia, Hani Khairo; Masruroh, Amalia; Prasetyo, Ari
Jurnal Ekonomi Syariah Teori dan Terapan Vol. 12 No. 4 (2025): November-2025
Publisher : Universitas Airlangga

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.20473/vol12iss20254pp422-438

Abstract

This study investigates the psychological determinants influencing Muslim consumers’ intention to boycott Israeli products, focusing on the roles of animosity, perceived efficacy, and subjective norms, as well as the moderating effects of celebrity trend-setters and skeptical opinions. Using a quantitative approach, data were collected through an online survey of 172 Muslim respondents in Surabaya, selected via purposive sampling. Structural Equation Modeling–Partial Least Squares (SEM-PLS) was employed to test the proposed hypotheses. The results show that animosity and perceived efficacy significantly and positively influence boycott intention, while subjective norms have no direct effect. Instead, the influence of subjective norms is mediated by animosity and perceived efficacy, highlighting the emotional and cognitive pathways through which social pressure shapes boycott participation. This study provides contextual evidence from Muslim consumers in Surabaya, thereby broadening the geographical and cultural scope of boycott research and enhancing the generalizability of psychological theories of boycott intention within the Southeast Asian Muslim context. Although the moderating effects of celebrity trend-setters and skeptical opinions were not statistically significant, their inclusion advances the boycott literature by integrating contemporary constructs of psychological and social influence that have been rarely explored empirically. These findings underscore the evolving nature of consumer behavior in socially and politically charged contexts, suggesting that future studies further investigate how media credibility, consumer trust, and moral conviction interact to drive or inhibit collective ethical action. From a managerial perspective, the study emphasizes that companies involved in sensitive geopolitical or ethical issues should prioritize transparent communication, ethical branding, and value-driven corporate responsibility to maintain consumer trust and mitigate reputational risks.
Co-Authors Achmad Firdaus Ari Prasetyo Hidayat, Rofik Masruroh, Amalia Tika Widiastuti