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Al-Mashrafiyah : Jurnal Ekonomi, Keuangan, dan Perbankan Syariah
Published by Universitas Islam Negeri Alauddin Makassar
ISSN : 25974904     EISSN : 26205661     DOI : -
Core Subject : Economy,
Economics, Econometrics & Finance
This journal contains writings of research results or theoretical studies related to economics, finance and sharia banking.This journal is published by the Department of Islamic Banking Faculty of Economics and Islamic Business UIN Alauddin Makassar. This journal is published in 2 (two) editions every year, October and April editions.
Arjuna Subject : -
Articles 9 Documents
 1 
Search results for , issue "Vol 9 No 2 (2025)" : 9 Documents clear
To What Extent Do Workplace Relationships, Financial Rewards, and Recognition Shape Employee Work-Life Satisfaction in Islamic Bank? Puspitasar, Yunita Dwi; Nur Azizah, Siti
Al-Mashrafiyah (Jurnal Ekonomi, Keuangan dan Perbankan Syariah) Vol 9 No 2 (2025)
Publisher : Universitas Islam Negeri Alauddin Makassar

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Abstract

This study aims to analyze the impact of workplace relationships, financial rewards, and appreciation on the work-life satisfaction of employees at Bank BJB Syariah, Bekasi Branch. The research background is based on issues of job dissatisfaction, which affect motivation and productivity and ultimately influence employees' overall work-life satisfaction. Additionally, the increasing employee turnover rate at Bank BJB Syariah from 2020 to 2022 has become a concern. A quantitative research method was employed, with data analyzed using SPSS 27. The findings indicate that workplace relationships and financial rewards have a significant impact on employees' work-life satisfaction, while appreciation does not exert a significant influence on employee satisfaction at Bank BJB Syariah, Bekasi Branch. These findings highlight that employee relationships and financial rewards play a more significant role than appreciation in enhancing work-life satisfaction.This study contributes to a deeper understanding of the factors affecting work-life satisfaction in the Islamic banking sector and provides insights for formulating strategies to enhance employee well-being.
I Integrasi Antara Etika Bisnis dan Pemasaran Syariah Dalam Meningkatkan Kepuasan Pelanggan Di Toko Al-Bugisiyyah Collection Makassar Jamaal, Rosmah; Efendi, Ahmad
Al-Mashrafiyah (Jurnal Ekonomi, Keuangan dan Perbankan Syariah) Vol 9 No 2 (2025)
Publisher : Universitas Islam Negeri Alauddin Makassar

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Islamic marketing ethics focuses on the principles of equality, justice, and value maximization for the welfare of society. These ethics play a crucial role in raising the standard of customer behavior. The customer-centric strategy is now considered an important element due to the rapidly changing marketing trends in MSMEs, especially in the Al-Bugisiyyah Collection. Therefore, the purpose of this study is to find out the important role of Islamic marketing ethics and identify its influence on customer satisfaction in Al-Bugisiyyah Collectin stores. This study uses a qualitative descriptive method with a case study approach. Data is collected through observations, in-depth interviews with owners and customers, and internal store documentation. The results of the study show that consistent Islamic marketing ethics play a very important role in increasing customer satisfaction and loyalty and can increase repeat orders. These findings reinforce the importance of a value approach in Muslim retail businesses to build long-term relationships with customers
The Impact of FoMO and Socioeconomic Status on Gen-Z Female Islamic Students’ Branded Goods Purchases: Religiosity as Moderator Az Zahra, Saffanah; Julaihah, Umi
Al-Mashrafiyah (Jurnal Ekonomi, Keuangan dan Perbankan Syariah) Vol 9 No 2 (2025)
Publisher : Universitas Islam Negeri Alauddin Makassar

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This study aims to examine the influence of fear of missing out (FoMO) and socioeconomic status on purchasing decisions for branded goods among Generation Z female students, with religiosity as a moderating variable. The research was conducted at Al-Izzah International Boarding School in Batu, East Java, Indonesia. Considering that adolescents in this environment face unique challenges balancing modern consumer culture with religious values. Data were collected through a questionnaire distributed to 204 students, with 165 valid responses analyzed. The study employed Structural Equation Modeling-Partial Least Squares (SEM-PLS) using SmartPLS 4.0 to test the proposed hypotheses. The result reveal that FoMO and socioeconomic status significantly and positively affect purchasing decisions, while religiosity does not moderate the relationship between FoMO and purchasing decisions. However, religiosity significantly moderates the relationship between socioeconomic status and purchasing decisions. These findings imply that psychological and economic factors play an essential role in shaping students’ buying behavior, while religiosity can strengthen or weaken the influence of socioeconomic status in consumption contexts. This study provides practical insights for educators and marketers to design costumer education programs and marketing strategies that consider the role of religiosity and peer influence in shaping purchasing behavior among young Muslim consumers
pengaruh Pengaruh Aglomerasi Industri, Upah Minimum Provinsi, Dan Jumlah Angkatan Kerja Terhadap Pendapatan Asli Daerah Se-Pulau Sumatera Dalam Perspektif Ekonomi Islam (Analisis Data Panel Tahun 2018-2024): (Analisis Data Panel Tahun 2018-2024) Putri, Putri Amalia; Noviarita, Heni; Setyanto, Alief Rakhman
Al-Mashrafiyah (Jurnal Ekonomi, Keuangan dan Perbankan Syariah) Vol 9 No 2 (2025)
Publisher : Universitas Islam Negeri Alauddin Makassar

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Local Own-Source Revenue (PAD) is an indicator of fiscal independence and the success of regional development. On the island of Sumatra, PAD values vary between provinces, influenced by industrial agglomeration, minimum wage policies, and the size of the labor force. This study aims to analyze the influence of these three factors, namely industrial agglomeration, provincial minimum wages, and the size of the labor force, on PAD in ten provinces on the island of Sumatra for the period 2018-2024 using a quantitative approach based on panel data analysis using Common Effect, Fixed Effect, and Random Effect models. The results show that industrial agglomeration does not have a significant effect on PAD, while provincial minimum wages and the size of the labor force have a significant positive effect, and simultaneously, all three contribute significantly to the increase in PAD. These findings confirm that strengthening PAD is more determined by fair wage policies and the utilization of productive labor than by industrial concentration. From an Islamic economic perspective, these research results are in line with the principles of justice, balance, and maslahah, which emphasize the equitable distribution of economic benefits. This study contributes academically to the regional economic literature and provides practical recommendations for local governments in formulating sustainable fiscal strategies
Pilgrim Loyalty Development Through Satisfaction and Sharia-Compliant Service Quality (Case Study: Umrah Travel Agencies in AMPHURI SULAMPUA) Sastri Ayu Wiranitania; Murtiadi Awaluddin; Nasrullah Bin Sapa
Al-Mashrafiyah (Jurnal Ekonomi, Keuangan dan Perbankan Syariah) Vol 9 No 2 (2025)
Publisher : Universitas Islam Negeri Alauddin Makassar

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This study aims to examine the satisfaction and loyalty of pilgrims through Sharia-compliant service quality in Umrah travel companies under AMPHURI SULAMPUA. The research is grounded in the regulations set forth by Ministerial Regulation No. 8 of 2018 concerning the Organization of Hajj and Umrah. These serve as essential foundations to ensure that Hajj and Umrah travel services comply with existing Sharia standards. The type of research used is quantitative with a causal associative research design. This study collected primary data from 150 respondents using a purposive sampling technique. The data were analysed using the Structural Equation Modelling (SEM) method with the Partial Least Squares (PLS) version 4.0 approach. The results show that Sharia-compliant service quality—measured by reliability, responsiveness, assurance, empathy, tangibles, and Sharia compliance—has a positive and significant effect on pilgrims’ satisfaction. Similarly, Sharia-compliant service quality has a positive and significant effect on pilgrims’ loyalty. Furthermore, pilgrim satisfaction has a positive and significant effect on loyalty. The mediating effect of satisfaction strengthens the relationship between Sharia-compliant service quality (based on reliability, responsiveness, assurance, empathy, tangibles, and Sharia compliance) and pilgrim loyalty, and this effect is also positive and significant. The implication of this study is that Umrah pilgrims served by travel companies under AMPHURI SULAMPUA place greater emphasis on Sharia-compliant service quality in order to attain satisfaction and ultimately build loyalty toward the offered products or service packages.
Analisis Dampak Pemberdayaan Ekonomi pada Program DD Farm dalam Meningkatkan Pendapatan Mustahik Muh. Ahsan Kamil; Syahriyah Semaun; Rachmat Sugeng; Ainul Fatha Isman; Abdullah Fauzan
Al-Mashrafiyah (Jurnal Ekonomi, Keuangan dan Perbankan Syariah) Vol 9 No 2 (2025)
Publisher : Universitas Islam Negeri Alauddin Makassar

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Abstract

There are various zakat-based economic empowerment models managed by amil zakat institutions in Indonesia, one of which is the Dompet Dhuafa Farm program. It uses a quantitative method, with data collection techniques such as interviews and documentation. The data obtained was analysed using the Wilcoxon t-test. The findings of this study are that the DD Farm program's mustahik economic empowerment model creates a livestock business by appointing mustahik as stable employees who manage on-farm and of farm processes so that they get a steady income. The results of the Wilcoxon t-test show that Mustahik's income was different before and after working in the DD Farm program. The DD Farm empowerment model has a positive impact on increasing mustahik income but is not yet perfectly adequate because some mustahiks still have incomes below the regional minimum wage.
Pengaruh Labelisasi Halal Terhadap Tingkat Penjualan Produk ANH di Kecamatan Wangi-Wangi Kabupaten Wakatobi Aisafah, Wa Ode Rani; Gurudin, Sitti Rahma
Al-Mashrafiyah (Jurnal Ekonomi, Keuangan dan Perbankan Syariah) Vol 9 No 2 (2025)
Publisher : Universitas Islam Negeri Alauddin Makassar

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This study aims to determine the effect of halal labeling on the sales level of ANH products in Wangi-Wangi District, Wakatobi Regency. This research employs a quantitative descriptive approach. Data were collected through questionnaires, observation, and documentation. The result show that halal labeling has a positive effect on the sales of ANH products. This indicates that the higher consumers’ awareness of halal labels, the higher the sales level of ANH peoductd. The findings also show that halal labeling serves as an important factor in purchasing decisions, especially among Muslim consumers, from the perspective of Islamic economics
The Influence of Marketing Mix on Customer Decisions in BSI KCP Wonogiri Steviana Lesti Arvianti; Meilana Widyaningsih
Al-Mashrafiyah (Jurnal Ekonomi, Keuangan dan Perbankan Syariah) Vol 9 No 2 (2025)
Publisher : Universitas Islam Negeri Alauddin Makassar

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This study aims to analyze the influence of the marketing mix (7Ps), which includes product, price, place, promotion, people, physical evidence, and process, on the decision to become a customer at Bank Syariah Indonesia (BSI) KCP Wonogiri. This research uses a quantitative approach with a descriptive method. The population consists of BSI KCP Wonogiri customers, with a sample of 145 respondents selected through a probability sampling technique. Data were collected using questionnaires and analyzed through validity, reliability, classical assumption tests, multiple linear regression, t-test, F-test, and coefficient of determination (R²) using SPSS software. The results show that simultaneously, the marketing mix variables significantly influence the decision to become a customer. Partially, the variables of price, place, and process have a significant effect, while product, promotion, people, and physical evidence do not. These findings suggest that affordable pricing, convenient location access, and efficient service processes are the main factors influencing customers’ decisions to join BSI KCP Wonogiri
How Does Global Economic Policy Uncertainty And Macroeconomics Interact With Sovereign Retail Sukuk Yield? Evidence From Indonesia Idham Chalid, Fitria; Zubaidah, Siti; Zahara, Jihan Nabila
Al-Mashrafiyah (Jurnal Ekonomi, Keuangan dan Perbankan Syariah) Vol 9 No 2 (2025)
Publisher : Universitas Islam Negeri Alauddin Makassar

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This study aims to analyze empirically the effect of macroeconomics variable, and uncertainty of global economic policies on the yield of sovereign retail sukuk in the short term. Sampling of Retail Sukuk Series 010 (SR010) uses purposive sampling method by considering that SR010 is the sukuk with the lowest yield and volume of issuance during the previous three years and the previous two years. Data analysis used in this study using ARDL-ECM after going through the stationarity test and cointegration test. The results show that in the long term inflation and exchange rate variables have a significant influence on the yield of retail sukuk SR010, while the variables for profit sharing on mudharabah deposits and global policy uncertainty have no significant effect on the yield of retail sukuk SR010. On the other hand, in the short term, the variable for profit sharing on mudharabah deposits in the previous period and significant uncertainty over the policies of the previous period, which affected the yield of retail sukuk SR010, had no effect on inflation and exchange rates. These empirical findings are expected to be a reference for investors to make decisions in choosing SUKRI as their investment portfolio, as well as a consideration for the government in macro policies in Indonesia

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