Garuda - Garba Rujukan Digital

Determinants of Umrah Pilgrims’ Satisfaction: The Mediating Role of Trust Yanti, Juli Darma; Fitri, Anisa Tul; Mustika, Ruri; Novia, Aidil; Wira, Ahmad
Al-Kharaj: Journal of Islamic Economic and Business Vol. 7 No. 1 (2025): All articles in this issue include authors from 3 countries of origin (Indonesi
Publisher : LP2M IAIN Palopo

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.24256/kharaj.v7i1.7106

This study aims to examine the effect of service quality, price perception, experiential marketing on Umrah pilgrims' satisfaction with trust as a mediating variable. The research method used is quantitative with data analysis techniques using SEM (Structual Equation Model) with Smart-PLS. The results of this study reveal that only one direct effect is positive and significant, namely: Service quality has a positive but insignificant effect on Umrah pilgrims' satisfaction, perceived price has a negative and insignificant effect on Umrah pilgrims' satisfaction, Experiential marketing has a positive but insignificant effect on Umrah pilgrims' satisfaction, trust has a positive and significant effect on Umrah pilgrims' satisfaction, service quality has a positive but insignificant effect on Umrah pilgrims' trust, price perception has a positive but insignificant effect on the trust of Umrah pilgrims, experiential marketing has a negative and insignificant effect on trust, service quality through trust has a positive and insignificant effect on the satisfaction of Umrah pilgrims, price perception through trust has a positive and insignificant effect on the satisfaction of Umrah pilgrims, and experiential marketing through trust have a positive and insignificant effect on Umrah pilgrims' satisfaction. Keywords: Service Quality; Price Perception; Experiential Marketing; Satisfaction dan Trust. Keywords: Service Quality; Price Perception; Experiential Marketing; Satisfaction dan Trust.

Determinants of Umrah Pilgrims’ Satisfaction: The Mediating Role of Trust Yanti, Juli Darma; Fitri, Anisa Tul; Mustika, Ruri; Novia, Aidil; Wira, Ahmad
Al-Kharaj: Journal of Islamic Economic and Business Vol. 7 No. 1 (2025): All articles in this issue include authors from 3 countries of origin (Indonesi
Publisher : LP2M IAIN Palopo

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.24256/kharaj.v7i1.7106

This study aims to examine the effect of service quality, price perception, experiential marketing on Umrah pilgrims' satisfaction with trust as a mediating variable. The research method used is quantitative with data analysis techniques using SEM (Structual Equation Model) with Smart-PLS. The results of this study reveal that only one direct effect is positive and significant, namely: Service quality has a positive but insignificant effect on Umrah pilgrims' satisfaction, perceived price has a negative and insignificant effect on Umrah pilgrims' satisfaction, Experiential marketing has a positive but insignificant effect on Umrah pilgrims' satisfaction, trust has a positive and significant effect on Umrah pilgrims' satisfaction, service quality has a positive but insignificant effect on Umrah pilgrims' trust, price perception has a positive but insignificant effect on the trust of Umrah pilgrims, experiential marketing has a negative and insignificant effect on trust, service quality through trust has a positive and insignificant effect on the satisfaction of Umrah pilgrims, price perception through trust has a positive and insignificant effect on the satisfaction of Umrah pilgrims, and experiential marketing through trust have a positive and insignificant effect on Umrah pilgrims' satisfaction. Keywords: Service Quality; Price Perception; Experiential Marketing; Satisfaction dan Trust. Keywords: Service Quality; Price Perception; Experiential Marketing; Satisfaction dan Trust.

Community Economic Empowerment Through the Syirkah Principle: A Case Study of Farmers in Padang Pariaman Regency Efendi, Erizal Candra; Mustika, Ruri; Hadi, Wildan
Rangkiang: Journal of Islamic Economics and Business Vol. 3 No. 2 (2025): Islamic Economic
Publisher : Denisya Smart Consulting

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.70072/rangkiang.v3i2.174

This study explores the application of the syirkah (partnership) principle as a model for community economic empowerment among farmers in Padang Pariaman Regency, West Sumatra. Rooted in Islamic economic ethics, syirkah emphasizes fairness, transparency, and shared risk between capital providers, farmers, and community leaders. Using a qualitative case study design, data were collected through in-depth interviews, focus group discussions, and participatory observations involving farmer groups, Islamic cooperatives (Baitul Maal wat Tamwil), and local religious figures. The findings reveal that syirkah enhances access to productive capital, increases agricultural yields by 25–30%, and improves household income stability while strengthening social cohesion and mutual trust among participants. The partnership structure fosters ukhuwah iqtishadiyah (economic brotherhood) and fulfills the objectives of maqasid al-shariah by integrating economic welfare with moral responsibility. However, sustainability challenges remain, particularly in financial management skills, market access, and generational continuity. Strengthening institutional literacy, digital integration, and youth participation are therefore crucial for scaling up syirkah-based empowerment. Overall, the study concludes that syirkah serves not only as an Islamic financial instrument but also as a transformative framework that bridges spirituality, cooperation, and sustainable rural development.

The Role of Digital Zakat in Enhancing National Income: A Qualitative Review from the Indonesian Context Hadi, Wildan; Efendi, Erizal Candra; Mustika, Ruri; Juniyanti Hsb, Hafni; Fitriani
Al-bank: Journal of Islamic Banking and Finance Vol. 6 No. 1 (2026): January - June 2026
Publisher : Universitas Islam Negeri Mahmud Yunus Batusangkar

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.31958/ab.v6i1.16017

This study analyzes the role of digital zakat in enhancing national income within the Indonesian context using a qualitative literature-based approach. Secondary data were collected from peer-reviewed journal articles, policy reports, and credible digital sources indexed in platforms such as Google Scholar and POP. The analysis was conducted through thematic synthesis to identify recurring patterns and mechanisms linking digital zakat practices to macroeconomic outcomes.The findings indicate that digital zakat contributes to national income through three main mechanisms. First, digital platforms increase zakat collection efficiency by expanding the number of contributors and reducing transaction costs, which leads to higher aggregate zakat funds. Second, the faster and more transparent distribution of zakat funds stimulates household consumption among beneficiaries, particularly for basic needs such as food, education, and health services. Third, digital zakat supports micro and small enterprises through productive zakat schemes, enabling income generation and local economic circulation. In this study, the term “significant role” refers to the consistent evidence across multiple studies showing that digital zakat enhances economic participation, improves income distribution, and strengthens the microeconomic sector, rather than to statistical significance. Overall, digital zakat functions as a complementary socio-economic instrument that supports national income growth while promoting social welfare and financial inclusion

Islamic Financial Literacy and Household Financial Behavior in the Digital Era: A Conceptual Synthesis of Contemporary Literature Efendi, Erizal Candra; Putra, Robi Harjoni; Mustika, Ruri; Hadi, Wildan; Juniyanti Hsb, Hafni
Al-bank: Journal of Islamic Banking and Finance Vol. 6 No. 1 (2026): January - June 2026
Publisher : Universitas Islam Negeri Mahmud Yunus Batusangkar

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.31958/ab.v6i1.16020

This study aims to synthesize contemporary literature on Islamic financial literacy and its relationship with household financial behavior in the digital era. Employing a qualitative library research design, this study systematically reviews peer-reviewed journal articles, academic books, and institutional reports published over the last decade. Data were collected through structured searches of major academic databases and analyzed using qualitative content analysis, including thematic coding, categorization, and comparative synthesis. The findings indicate that Islamic financial literacy is a multidimensional construct encompassing cognitive understanding of Sharia-based financial principles, financial management skills, and ethical orientations. Higher literacy levels are associated with more structured household financial practices, such as disciplined budgeting, saving orientation, and cautious engagement with digital Islamic financial services. Furthermore, digital financial environments significantly influence household financial decision-making and access to information. This study proposes an integrative conceptual framework linking Islamic financial literacy dimensions with household financial behavior through cognitive, ethical, and behavioral mechanisms. The findings contribute to clarifying the role of Islamic financial literacy in digital financial contexts and provide theoretical insights for future empirical research. Practically, this study offers policy-relevant implications for designing effective financial literacy initiatives aimed at enhancing financial resilience and sustainable financial practices among Muslim households in the digital era

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