Sausan, Putri Diani
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Veil Type Selection Based on Perceptions of its Main Function: Its Impact on Fashion Spending Fitri, Wahyu Annisa; Mustion, Seppi; Sausan, Putri Diani
Journal of Islamic Economic Scholar Vol. 3 No. 2 (2022)
Publisher : FEBI UIN Sunan Kalijaga

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.14421/jies.2022.3.2.%p

Abstract

As time goes by, veil (the hijab) which is originally an obligation enacted by the religious teaching, nowadays developed into a fashion trend. Veil is not just a simple fashion component with the main purpose of covering the female head and another part of body which should not be seen by the others (aurat). Certain accessories often become addition to veil (fashionable) due to the aesthetic reason making it demands a greater spending rather than not wearing any veil at all. It is a veiling phenomenon that we might call as the “Above Mecca, below Mall” style. On the other hand, internalized value as a component of VBN (Value-Belief-Norm) theory might be more dominant in affecting her subjective norm and therefore translated into her perception that veiling is an obligation of religious teaching which she must obey rather than the surrounding external environment such as trends among her peer groups or workplace rules. Our raw data was collected from 150 female students divided into 3 groups; veil weares type-1 (sharia veil), type-2 (fashionable veil) and non (non-veil) wearers, from 5 universities in Padang City, West Sumatra Province. The analysis was done in two sequential steps. Firstly, we revealed which one among the two concepts is the most prioritized and converted it into a score using an important variable named perception using AHP (Analytical Hierarchical Process) instrument. As the second step, multinomial logit model was used as the first-stage of 2-SLS regression where the perception score is one of several dependent variables, then an outcome prediction (what) was used at the second instrumented stage on veil type wearers. The study found that veil type-1 users have smaller fashion spending allocation rather than the two other sample groups. This indicates that marketers should design their strategies keeping in mind that female college students consumers at Padang city are influenced by significant others when making their purchasing decisions
Implementation of Sharia Governance and its Implications on BPRS Reputation Mustion, Seppi; Handra , Rana Nurulita; Sausan, Putri Diani
Rangkiang: Journal of Islamic Economics and Business Vol. 3 No. 1 (2025): Islamic Economic
Publisher : Denisya Smart Consulting

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.70072/rangkiang.v3i1.143

Abstract

This study empirically investigates the influence of sharia governance on customer trust and bank reputation among Sharia People's Financing Banks (BPRS) in West Sumatra, Indonesia. Additionally, it analyzes the mediating role of customer trust on BPRS reputation. The research addresses a gap in the existing literature concerning the specific interactions of these variables within the BPRS context. The Partial Least Squares-Structural Equation Modeling (PLS-SEM) methodology was employed for data analysis, utilizing secondary data from audited annual financial reports of BPRS for the period 2019-2022, obtained from the Financial Services Authority (OJK) website. The research sample was selected using a purposive sampling technique, encompassing BPRS across several regencies/cities in West Sumatra. Key findings indicate that sharia governance, measured by the number of directors and commissioners, has a significant positive influence on customer trust (t-statistic = 4.970, p-value = 0.000). This result affirms that robust sharia governance implementation is crucial for fostering customer trust. However, the findings reveal that sharia governance does not directly and significantly impact BPRS reputation (t-statistic = 0.868, p-value = 0.386), suggesting an indirect influence pathway. Conversely, customer trust demonstrates a highly significant and positive influence on BPRS reputation (t-statistic = 9.330, p-value = 0.000). The implications of this study suggest that for BPRS in West Sumatra, prioritizing strong sharia governance will fundamentally enhance customer trust. This trust, in turn, serves as a primary driver for improving and maintaining the bank's reputation, which is essential for the sustainable growth and stability of sharia financial institutions in the region