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All Journal El-Mal: Jurnal Kajian Ekonomi & Bisnis Islam Journal of Ekonomics, Finance, and Management Studies ASEAN Journal of Halal Study
Kamilatus Salsabila
Universitas Negeri Surabaya
Religion Agriculture, Biological Sciences & Forestry Civil Engineering, Building, Construction & Architecture Economics, Econometrics & Finance Industrial & Manufacturing Engineering Social Sciences

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Cashless Payment: Pengaruh Pendapatan, Diskon dan Cashback Terhadap Perilaku Konsumsi Islam Mahasiswa Lulusan Pesantren di Surabaya Kamilatus Salsabila; Rachma Indrarini
El-Mal: Jurnal Kajian Ekonomi & Bisnis Islam Vol. 7 No. 3 (2026): El-Mal: Jurnal Kajian Ekonomi & Bisnis Islam
Publisher : Intitut Agama Islam Nasional Laa Roiba Bogor

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.47467/elmal.v7i3.10250

Abstract

This study aims to analyze the effect of income, discounts, and cashback on the Islamic consumption behavior of pesantren graduate students who use cashless payment systems in Surabaya. The background of this research arises from the growing use of digital payment methods, which may influence students’ consumption patterns. The study employs a quan-titative method with an explanatory research approach and purposive sampling technique involving 179 pesantren graduate respondents. Data were analyzed using Structural Equation Modeling (SEM) based on Partial Least Squares (PLS) with SmartPLS software. The results reveal that income and discounts have a positive and significant effect on Islamic consumption behavior, while cashback has no significant effect. These findings indicate that pesantren graduates maintain prudence and simplicity in financial transactions, particularly regarding cashback forms that are non-cashable and potentially contain elements of gharar (uncertainty). Overall, this study highlights the importance of designing digital promotions that comply with Islamic principles of transparency, fairness, and halal transactions in today’s cashless era.
Mapping the Future of Halal Tourism Research: Bibliometric Analysis Using VOSviewer Marwah Qodarsyah Ramadhan Ramadhan; Kamilatus Salsabila; Rahmayati Koto
ASEAN Journal of Halal Study Vol. 3 No. 1 (2026): Jurnal AJHS: Juni 2026
Publisher : Universitas Negeri Surabaya

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.26740/ajhs.v3i1.54619

Abstract

Halal tourism has emerged as one of the fastest-growing segments of the global tourism industry, driven by expanding Muslim populations and increasing demand for Shariah-compliant travel services. Despite significant scholarly attention, the field lacks a systematic mapping of its intellectual landscape across major academic databases. This study employs a bibliometric analysis of 189 documents from Scopus and 956 documents from Google Scholar, retrieved using the keyword "halal tourism". Keyword co-occurrence analysis was performed using VOSviewer with title and abstract fields, binary counting, a minimum occurrence threshold of 10, and 85 terms meeting the threshold. Publication output grew substantially from 2016, peaking between 2020 and 2024. Four major research clusters were identified: (1) tourist behavioral intention and psychology, (2) halal destination and food attributes, (3) halal tourism policy and industry opportunities, and (4) regional and religious tourism studies. The Journal of Islamic Marketing and Tourism Management Perspectives dominated the outlet landscape, with Mohamed Battour as the most prolific authorHalal tourism research is maturing, with an evolving focus from conceptual frameworks toward behavioral and experience-based inquiries. Future research should address non-Muslim tourist perspectives, post-pandemic recovery, and digital halal tourism ecosystems.
Cashless Payment: Pengaruh Pendapatan, Diskon dan Cashback Terhadap Perilaku Konsumsi Islam Mahasiswa Lulusan Pesantren di Surabaya Kamilatus Salsabila; Rachma Indrarini
El-Mal: Jurnal Kajian Ekonomi & Bisnis Islam Vol. 7 No. 3 (2026): El-Mal: Jurnal Kajian Ekonomi & Bisnis Islam
Publisher : Intitut Agama Islam Nasional Laa Roiba Bogor

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.47467/elmal.v7i3.10250

Abstract

This study aims to analyze the effect of income, discounts, and cashback on the Islamic consumption behavior of pesantren graduate students who use cashless payment systems in Surabaya. The background of this research arises from the growing use of digital payment methods, which may influence students’ consumption patterns. The study employs a quan-titative method with an explanatory research approach and purposive sampling technique involving 179 pesantren graduate respondents. Data were analyzed using Structural Equation Modeling (SEM) based on Partial Least Squares (PLS) with SmartPLS software. The results reveal that income and discounts have a positive and significant effect on Islamic consumption behavior, while cashback has no significant effect. These findings indicate that pesantren graduates maintain prudence and simplicity in financial transactions, particularly regarding cashback forms that are non-cashable and potentially contain elements of gharar (uncertainty). Overall, this study highlights the importance of designing digital promotions that comply with Islamic principles of transparency, fairness, and halal transactions in today’s cashless era.
Co-Authors Marwah Qodarsyah Ramadhan Ramadhan Rachma Indrarini Rahmayati Koto