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All Journal Al Tijarah ARZUSIN: Jurnal Manajemen dan Pendidikan Dasar
Hanif Ahmadi
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Religion Decision Sciences, Operations Research & Management Economics, Econometrics & Finance Education Social Sciences

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Capital structure, efficiency, and profitability: key drivers of Islamic banking’s financial stability in ASEAN Pungky Lela Saputri; Hanif Ahmadi; Tika Mutiani
Al Tijarah Vol. 11 No. 1 (2025): Al Tijarah l June
Publisher : University of Darussalam Gontor

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.21111/at.v11i1.14015

Abstract

This study examines the impact of capital structure, operational efficiency, and profitability on the financial stability of Islamic banks in ASEAN from 2020 to 2024. Using panel data regression analysis, the research investigates how the Debt to Equity Ratio (DER), Operational Efficiency Ratio (OER), and Return on Assets (ROA) influence financial stability, measured by the Z-Score. The findings reveal that DER has a negative and significant effect on financial stability, indicating that excessive reliance on debt increases financial risk and reduces the resilience of Islamic banks. Similarly, OER negatively affects financial stability, suggesting that higher operational costs and inefficiencies weaken financial performance. In contrast, ROA positively and significantly contributes to financial stability, as higher profitability strengthens banks’ financial flexibility and ability to absorb economic shocks. These results highlight the importance of maintaining an optimal capital structure, improving cost efficiency, and enhancing profitability to ensure sustainable financial stability. The study provides practical implications for policymakers and Islamic bank managers, emphasizing the need for prudent financial management, technological advancements in cost control, and innovative Shariah-compliant investment strategies to enhance stability in the Islamic banking sector.
Peran Reputasi Penjual Skincare Online dalam Hubungan Review, Perceived Price, dan Niat Beli Konsumen Gen Z Pengguna Marketplace Shopee dan Lazada di Kota Semarang Pramudita Nur Az-Zahra; Hanif Ahmadi
ARZUSIN Vol 6 No 2 (2026): APRIL
Publisher : Lembaga Yasin AlSys

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.58578/arzusin.v6i2.9527

Abstract

Although the development of e-commerce has driven changes in consumer behavior, particularly among Generation Z in purchasing skincare products, the factors that most influence purchase intention remain a matter of debate, especially regarding the roles of online customer review, perceived price, and seller reputation. This study aims to analyze the effect of online customer review and perceived price on purchase intention, with seller reputation as a mediating variable. This study employed a quantitative approach with an explanatory research design, involving 100 Generation Z respondents who had purchased skincare products through a marketplace and were selected using purposive sampling. The data were analyzed using Partial Least Squares-based Structural Equation Modeling (SEM-PLS). The results showed that online customer review had a positive and significant effect on purchase intention and seller reputation. Meanwhile, perceived price had no significant effect on purchase intention, but it did affect seller reputation. This study also found that seller reputation had a positive effect on purchase intention and was able to mediate the relationship of online customer review and perceived price with purchase intention. These findings indicate that seller reputation is a key factor in increasing consumer purchase intention compared with price. Thus, this study contributes to strengthening the study of digital consumer behavior and provides practical implications that business actors need to focus on improving service quality and encouraging positive reviews in order to strengthen seller reputation and consumer trust.
Pengaruh Influencer Marketing dan E-WOM terhadap Keputusan Pembelian dengan Purchase Interest sebagai Variabel Intervening pada Parfum Brand Posh di Shopee Muhammad Nanda Dwi Sudarmo; Hanif Ahmadi
ARZUSIN Vol 6 No 2 (2026): APRIL
Publisher : Lembaga Yasin AlSys

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.58578/arzusin.v6i2.9549

Abstract

Competition in the local perfume industry in e-commerce requires the implementation of effective digital marketing strategies, particularly through influencer marketing and electronic word of mouth (E-WOM), to enhance consumer purchase decisions. This study aims to analyze the effect of influencer marketing and E-WOM on purchase decisions, with purchase intention as an intervening variable, for the Posh perfume brand on Shopee. This study employed a quantitative approach with an explanatory research method. Data were collected through questionnaires administered to 150 respondents in Semarang City selected using purposive sampling, and were then analyzed using Partial Least Squares (PLS). The results showed that influencer marketing and E-WOM had a positive and significant effect on both purchase intention and purchase decisions. In addition, purchase intention was also proven to have a positive effect on purchase decisions and to mediate the relationship of influencer marketing and E-WOM with purchase decisions. These findings contribute to strengthening the study of digital marketing and consumer behavior in the context of e-commerce, while also showing that influencer-based marketing strategies and E-WOM are effective in increasing purchase intention, which in turn affects purchase decisions. The implications of this study underscore the importance of optimizing collaboration with credible influencers and managing consumer reviews positively to strengthen trust and encourage purchases.
Co-Authors Muhammad Nanda Dwi Sudarmo Pramudita Nur Az-Zahra Pungky Lela Saputri Tika Mutiani