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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 135 Documents
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The Effect of Islamic Brand Image, Islamic Service Quality, and Customer Satisfaction on Customer Loyalty in Islamic Banking
Al-Mashrafiyah (Jurnal Ekonomi, Keuangan dan Perbankan Syariah) Vol 10 No 1 (2026)
Publisher : Universitas Islam Negeri Alauddin Makassar

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Abstract

This study examines the effects of Islamic brand image, Islamic service quality, and customer satisfaction on customer loyalty in the Islamic banking sector, particularly in the context of increasing competition among Islamic financial institutions. This study adopts a quantitative approach using survey data from 140 Islamic bank customers. The data were analyzed using Partial Least Squares Structural Equation Modeling (PLS-SEM) with SmartPLS v. 3.2.9. The results reveal that Islamic Brand Image, Islamic Service Quality, and Customer Satisfaction positively influence Customer Loyalty, with Islamic Service Quality as the most dominant factor. These findings suggest that customer loyalty is strengthened by the consistency of sharia compliant service delivery, supported by a strong Islamic brand and satisfying service experiences. This study provides empirical evidence on the key determinants of customer loyalty in Islamic banking and highlights the central role of sharia compliant service quality alongside Islamic branding and customer satisfaction.
The Effect of Halal Labels, Product Prices and Brand Ambassadors on Purchase Decisions for Samyang Noodle Products Among Gen Z
Al-Mashrafiyah (Jurnal Ekonomi, Keuangan dan Perbankan Syariah) Vol 10 No 1 (2026)
Publisher : Universitas Islam Negeri Alauddin Makassar

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Abstract

The fast-food industry in Indonesia continues to expand, alongside the growing popularity of South Korean instant noodles such as Samyang. Beyond taste, the product’s strong K-Food image reflects how purchasing decisions among young consumers are shaped not only by functional needs but also by lifestyle trends, cultural influences, and targeted marketing strategies. This study examines the influence of halal labeling, price, and brand ambassadors on the purchasing decisions of Samyang noodles among Generation Z consumers. A quantitative associative approach was employed to test the relationships between these variables and consumer behavior. The sample consisted of Gen Z individuals who had previously purchased Samyang noodles, and data were analyzed using multiple linear regression with SPSS version 27. The research findings show that simultaneously and partially, halal labels, product prices and brand ambassadors have a simultaneous and significant influence on purchasing decisions. The halal label strengthens consumer trust and perceived product suitability, price shapes perceptions of value and affordability, and brand ambassadors enhance product appeal through familiarity and aspirational influence. Simultaneously, these factors form a complementary set of considerations that guide Gen Z consumers in choosing Samyang products. Overall, the study highlights the importance of combining religious assurance, economic evaluation, and promotional appeal in influencing contemporary youth purchasing behavior.
Analisis Pengaruh Literasi Keuangan Digital, Persepsi Kemudahan Penggunaan, Persepsi Halal, dan Kekhawatiran Privasi terhadap Minat Mahasiswa di Solo Raya Menggunakan Bank Digital Syariah
Al-Mashrafiyah (Jurnal Ekonomi, Keuangan dan Perbankan Syariah) Vol 10 No 1 (2026)
Publisher : Universitas Islam Negeri Alauddin Makassar

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Abstract

This study aims to analyze the factors influencing students’ Behavioral Intention to use Islamic digital banking in Greater Solo by employing a modified Technology Acceptance Model (TAM). The model integrates Digital Financial Literacy, Perceived Ease of Use, Halal Perception, and Privacy Concern as key determinants. This research adopts a quantitative approach, with data collected from university students through structured questionnaires and analyzed using SEM-PLS. The results indicate that Digital Financial Literacy, Perceived Ease of Use, and Halal Perception have a positive and significant effect on Behavioral Intention, while Privacy Concern does not have a significant influence. The findings suggest that students tend to prioritize system usability, financial capability, and alignment with Sharia principles over perceived privacy risks. This study contributes to the extension of TAM by incorporating capability-based and value-based determinants into the framework of Islamic digital banking adoption.
Pengaruh Return On Assets (ROA), Non-Performing Financing (NPF), Beban Operasional Pendapatan Operasional (BOPO) Terhadap Penyaluran Zakat Pada Bank Umum Syariah Di Indonesia Periode 2021-2024
Al-Mashrafiyah (Jurnal Ekonomi, Keuangan dan Perbankan Syariah) Vol 10 No 1 (2026)
Publisher : Universitas Islam Negeri Alauddin Makassar

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Abstract

This study analyzes the influence of Return on Assets (ROA), Non-Performing Financing (NPF), and Operating Expenses to Operating Income Ratio (BOPO) on zakat disbursement at Sharia Commercial Banks (BUS) in Indonesia during the 2021–2024 period. A quantitative approach was employed using panel data regression techniques via Eviews 12. The results indicate that, while ROA, NPF, and BOPO do not have a significant individual effect on zakat distribution, they do have a significant combined effect. These findings provide theoretical implications that reinforce the Shariah Enterprise Theory, demonstrating that Islamic banks are capable of separating their business ambitions from their spiritual obligations. Fluctuations in financial figures on the income statement do not shake the bank’s commitment to fulfilling the rights of the mustahik. Practically, these results demonstrate the integrity of Islamic banking in upholding the trust of Shariah, where difficult economic conditions or internal inefficiencies are not used as excuses for zakat distribution.
Analisis Kepercayaan, Kualitas Layanan, dan Citra Lembaga Terhadap Keputusan Menabung di Bank Jateng Syariah KCPS Boyolali
Al-Mashrafiyah (Jurnal Ekonomi, Keuangan dan Perbankan Syariah) Vol 10 No 1 (2026)
Publisher : Universitas Islam Negeri Alauddin Makassar

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Abstract

This study aims to analyze the influence of trust, service quality, and institutional image on saving decisions at Bank Jateng Syariah KCPS Boyolali. The method used in this research is quantitative analysis with a survey approach. Data were collected through the distribution of questionnaires to 100 customers of Bank Jateng Syariah KCPS Boyolali. Data analysis was carried out using multiple linear regression techniques. Trust, service quality, and institutional image have a positive and significant influence because they directly shape customers’ sense of security, comfort, and confidence in managing their funds. Trust is the most dominant factor, as customers will only save when they feel their funds are secure, managed transparently, and in accordance with Islamic principles. Service quality strengthens this decision through experiences that are easy, fast, and responsive, making customers feel valued and well-assisted. Meanwhile, institutional image creates a perception of professionalism, credibility, and a strong reputation, which reduces doubts and increases customers’ pride in being part of the bank. The combination of these three factors encourages both rational and emotional confidence in customers to choose and continue saving. This study provides implications for bank management to continuously improve customer trust, service quality, and institutional image in order to attract more customers to save.

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