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<![CDATA[Pengaruh Kebijakan Moneter dan fiskal Islam terrhadap Kesenjangan di Indonesia ]]>
<![CDATA[Hafizhah, Nur Zakiya]]>;
<![CDATA[Hikmah, Lailatul]]>;
<![CDATA[Rusgianto, Sulistya]]>
<![CDATA[ Jurnal Ekonomika dan Bisnis Islam Vol 7 No 3 (2024): Desember ]]>
Publisher : <![CDATA[Universitas Negeri Surabaya ]]>
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DOI: 10.26740/jekobi.v7n3.p1-10
<![CDATA[Monetary policy and fiscal policy are two important policies in maintaining the economy, especially in maintaining the gap in Indonesia. This study aims to determine the effect of Islamic monetary policy, Islamic fiscal policy, unemployment, and inflation on inequality in Indonesia in the short and long term. The method used in this study is a quantitative method with the Vector Error Correction Model (VECM) analysis technique with time series data from 2011 Q1 to 2022 Q4 taken from the central statistical agency and Indonesian financial and economic statistics. The results of this study indicate that Islamic monetary policy in the short and long term has no effect on inequality, Islamic fiscal policy variables in the short term have not been able to overcome the gap while in the long term fiscal policy is able to overcome the gap, inflation and unemployment have no influence in the short term but have a long-term influence on inequality in Indonesia the higher inflation and unemployment will increase the gap.]]>
<![CDATA[Pengaruh Labelisasi Halal dan Kualitas Pelayanan terhadap Loyalitas Pelanggan pada Restoran Ta Wan di Kota Surabaya ]]>
<![CDATA[Muna, Arina]]>;
<![CDATA[Fikriyah, Khusnul]]>
<![CDATA[ Jurnal Ekonomika dan Bisnis Islam Vol 7 No 3 (2024): Desember ]]>
Publisher : <![CDATA[Universitas Negeri Surabaya ]]>
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DOI: 10.26740/jekobi.v7n3.p24-35
<![CDATA[It is necessary for every culinary industry to guarantee halal products, especially restaurants that sell food from abroad. The purpose of this study was to determine the effect of halal labeling and service quality on customer loyalty at the Ta Wan restaurant in Surabaya City. This research method uses a quantitative method with an associative approach. Primary data sources through the distribution of online questionnaires. The sampling technique used in this study was a purposive non-probability technique, with 75 respondents and analyzed using SmartPLS 4.0. The results showed that halal labeling had a positive and significant effect on customer loyalty, service quality also had a positive and significant effect on customer loyalty. This study provides direct implications for restaurants if they want to maintain and attract Muslim customers, they need to pay attention to the halal label and service aspects. Ta Wan Restaurant can carry out marketing that emphasizes the importance of the halalness of their products and friendly and professional service, so that customers are more convinced in choosing the restaurant.]]>
<![CDATA[PENGARUH HALAL KNOWLEDGE, ELECTRONIC WORD OF MOUTH, DAN KUALITAS PRODUK TERHADAP KEPUTUSAN PEMBELIAN KONSUMEN MUSLIM PADA PRODUK KOSMETIK HALAL ]]>
<![CDATA[Machbubah, Sa’idatun]]>;
<![CDATA[Fahmi, Moh. Farih]]>
<![CDATA[ Jurnal Ekonomika dan Bisnis Islam Vol 7 No 3 (2024): Desember ]]>
Publisher : <![CDATA[Universitas Negeri Surabaya ]]>
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DOI: 10.26740/jekobi.v7n3.p11-23
<![CDATA[The research aims to determine and analyze the influence of halal knowledge, electronic word of mouth and product quality on muslim consumer’s purchasing decisions for halal cosmetic products in East Java. This research method uses quantitative methods with primary data gathered through questionnaries. The reseacrh sample consisted of 105 respondents selected randomly using a purposive sampling technique. The analysis was performed using Structural Equation Modelling (SEM) with the Partial Least Square (PLS) through SmartPLS 3.0. The results show that halal knowledge, electronic word of mouth, and product quality significantly influence muslim consumer’s purchasing decisions for halal cosmetic products in East Java. The implications of this research suggest that companies should focus on improving the dissemination of halal knowledge, encourage positive electronic word of mouth to strengthen consumer trust. Additionally, maintaining high product quality is essential in sustaining consumer loyalty and satisfaction.]]>
<![CDATA[PENGARUH RELIGIUSITAS PENGETAHUAN DAN PENDAPATAN TERHADAP MINAT MAHASISWA MUSLIM DALAM MENABUNG PADA BANK SYARIAH ]]>
<![CDATA[Syuro'ah, Nurul Mubarokatus]]>;
<![CDATA[Nurafini, Fira]]>
<![CDATA[ Jurnal Ekonomika dan Bisnis Islam Vol 7 No 3 (2024): Desember ]]>
Publisher : <![CDATA[Universitas Negeri Surabaya ]]>
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DOI: 10.26740/jekobi.v7n3.p36-47
<![CDATA[The Islamic financial industry has grown rapidly in recent years, offering services in accordance with Islamic principles that reject usury and speculation while promoting economic justice. The growth of this industry has been influenced by individual interest and decisions to save in Shariah-compliant banks. Students are among the groups with significant potential to drive this growth. This research aims to determine whether religiosity, knowledge, and income affect the interest of Muslim students in saving in Shariah-compliant banks. The research methodology employed is quantitative associative, with religiosity, knowledge, and income as independent variables and savings interest as the dependent variable. Data collection was conducted through a questionnaire distributed to 106 respondents using purposive sampling technique. Data analysis was performed using Multiple Linear Regression. The research findings indicate that religiosity does not have a significant influence on the interest of Muslim students in saving in Shariah-compliant banks. However, knowledge and income positively influence the interest of Muslim students in saving in Shariah-compliant banks. The implications of this research show that Muslim students' decisions in choosing Islamic banks are driven more by rational factors such as knowledge and income, not solely for religious reasons.]]>
<![CDATA[Pengaruh Literasi Keuangan Syariah, Fasilitas, Dan Kepercayaan Terhadap Minat Menabung Di Bank Syariah Bagi Masyarakat Pedesaan Nganjuk ]]>
<![CDATA[Aprilia, Titin]]>;
<![CDATA[Indrarini, Rachma]]>
<![CDATA[ Jurnal Ekonomika dan Bisnis Islam Vol 7 No 3 (2024): Desember ]]>
Publisher : <![CDATA[Universitas Negeri Surabaya ]]>
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DOI: 10.26740/jekobi.v7n3.p48-59
<![CDATA[Nganjuk Regency is one of the regions where the majority of the population is Muslim, and it has a fairly strong economy, particularly in the agricultural sector, as it is one of the largest producers of shallots in East Java. The community requires financial institutions to manage their income. This study aims to determine the influence of Islamic financial literacy, facilities, and public trust on the interest in saving at Islamic Banks among rural communities in Nganjuk. The method used is quantitative research with an associative research type. Data analysis technique uses Partial Least Square (PLS-SEM). The research results show that the Islamic financial literacy variable has a positive and significant influence on interest in saving at Sharia Banks. Meanwhile, the facility and trust variables do not have a positive and significant effect on interest in saving at Sharia Banks. The results of this study indicate that improving financial literacy in Islamic banking can encourage interest in saving at Islamic Banks, particularly among the rural community in Nganjuk. Therefore, it is important for Islamic financial institutions to focus on Islamic financial education to enhance community participation in saving at Islamic banks, even though facilities and trust do not show a significant impact.]]>
<![CDATA[PENGARUH LITERASI KEUANGAN SYARIAH, MANFAAT, DAN RISIKO TERHADAP MINAT MENGGUNAKAN SHOPEE PAYLATER PADA MAHASISWA SURABAYA: THE INFLUENCE OF SHARIA FINANCIAL LITERACY, BENEFITS, AND RISKS ON INTEREST IN USING SHOPEE PAYLATER AMONG SURABAYA STUDENTS ]]>
<![CDATA[Afif, Zamitah Tahiyyah]]>;
<![CDATA[Indrarini, Rachma]]>
<![CDATA[ Jurnal Ekonomika dan Bisnis Islam Vol 7 No 3 (2024): Desember ]]>
Publisher : <![CDATA[Universitas Negeri Surabaya ]]>
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DOI: 10.26740/jekobi.v7n3.p60-75
<![CDATA[The payment system in Indonesia is evolving with the presence of financial technology, one of which is shopee paylater. Currently, shopee paylater is widely used by the Indonesian community. This can be seen from a survey indicating that Shopee Paylater outperforms other pay-later services. This research aims to determine whether there is an influence of islamic financial literacy, benefits, and risks on the interest in using shopee paylater. The research method used is a quantitative approach with an associative research method. The data used in this study are from a survey of 150 respondents obtained through non-probability sampling using purposive sampling technique. The data were analyzed using SmartPLS 4.0. The results of this study indicate that, Islamic financial literacy has a positive influence on the interest in using shopee paylater among students in Surabaya. Benefits have a positive influence on the interest in using shopee paylater among students in Surabaya. And Risks do not influence the interest in using shopee paylater among students in Surabaya.]]>
<![CDATA[LITERASI NASABAH DALAM PENGAMBILAN KEPUTUSAN PEMBIAYAAN PADA BANK SYARIAH INDONESIA KC JENGGOLO: CUSTOMER LITERACY IN FINANCING DECISION MAKING AT BANK SYARIAH INDONESIA KC JENGGOLO ]]>
<![CDATA[Mubarok, Muhammad Dzulfahmi]]>;
<![CDATA[Indrarini, Rachma]]>
<![CDATA[ Jurnal Ekonomika dan Bisnis Islam Vol 7 No 3 (2024): Desember ]]>
Publisher : <![CDATA[Universitas Negeri Surabaya ]]>
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DOI: 10.26740/jekobi.v7n3.p76-89
<![CDATA[Customer literacy in financing decision-making at Islamic banks is an important aspect that customers must possess in the financing decision-making process. This research aims to determine the level of literacy possessed by customers of Shariah banks, specifically focusing on the case study of financing customers at Bank Syariah Indonesia KC Jenggolo in making financing decisions. The approach and method used in this research are qualitative descriptive approach and case study method. Based on the research results, it can be concluded that financing customers of Bank Syariah Indonesia KC Jenggolo do not yet have adequate literacy regarding the financing available at Bank Syariah Indonesia in several aspects when customers make financing decisions. The results of this research can be used by banks as a fact in the field regarding the importance of literacy regarding financing and the fact that there are still customers who have poor literacy regarding the financing they have taken.]]>
<![CDATA[Pengaruh Pembiayaan Terhadap Profitabilitas Bank Umum Syariah ]]>
<![CDATA[Harnum, Mutiara Puspita]]>;
<![CDATA[Maulidiyah, Musaidatul]]>;
<![CDATA[Jayanti, Rista Dwi]]>;
<![CDATA[Septiyanti, Tifanny Tassyah]]>;
<![CDATA[Canggih, Clarashinta]]>
<![CDATA[ Jurnal Ekonomika dan Bisnis Islam Vol 7 No 3 (2024): Desember ]]>
Publisher : <![CDATA[Universitas Negeri Surabaya ]]>
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DOI: 10.26740/jekobi.v7n3.p175-188
<![CDATA[Islamic banking plays a crucial role in driving economic growth and stability in Indonesia. Islamic banking has shown positive growth, including in BUS, UUS, and BPRS. The market share of Islamic banking has also grown, reaching 6.74% of the national banking sector. However, there are challenges in ensuring that the financing products offered can enhance the bank's profitability while adhering to Islamic values. This study aims to determine the effect of profit sharing financing and non-profit sharing financing both partially and simultaneously on profitability (ROA) at Sharia Commercial Banks. The research method used in this study is quantitative research method with Multiple Linear Regression analysis model. The results showed that partial profit-sharing financing had a negative and significant effect on profitability (ROA), and partial non-profit-sharing financing had a positive and significant effect on profitability (ROA). while simultaneously profit-sharing financing and non-profit-sharing financing affect profitability (ROA). The implications of this study's results suggest that non-profit-sharing financing can be a more profitable alternative for banks in enhancing profitability, allowing them to focus more on developing non-profit-sharing financing products to achieve better economic stability.]]>
<![CDATA[PENGARUH HALAL KNOWLEDGE, ISLAMIC RELIGIOSITY, DAN KUALITAS PELAYANAN TERHADAP KEPUTUSAN PEMBELIAN PADA SAKINAH SUPERMARKET DI KOTA SURABAYA ]]>
<![CDATA[Annisa, Zhella]]>;
<![CDATA[Nabila, Aliza Salsa]]>;
<![CDATA[Mardiana, Lena]]>;
<![CDATA[Fahrullah, Arasy]]>
<![CDATA[ Jurnal Ekonomika dan Bisnis Islam Vol 7 No 3 (2024): Desember ]]>
Publisher : <![CDATA[Universitas Negeri Surabaya ]]>
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DOI: 10.26740/jekobi.v7n3.p149-160
<![CDATA[The retail business in Indonesia has experienced rapid growth and development in recent years. The retail sector has shown a 15.6% increase compared to the previous year's decline of -14.6%, which can be considered a shift from negative to positive. This is also reflected in the experience of Sakinah Supermarket in Surabaya, which has managed to survive amidst the growing presence of non-sharia modern retail. This study aims to determine whether Halal Knowledge, Islamic Religiosity, and Service Quality influence the purchasing decisions of Surabaya residents to buy from and become consumers at Sakinah Supermarket. A quantitative model method is applied in this research, where numerical data is collected, processed, and analyzed using multiple linear regression to provide an overview of the partial and simultaneous influence between the independent and dependent variables. The results of the study indicate that Halal Knowledge, Islamic Religiosity, and Service Quality have a positive and significant effect on consumer purchasing decisions at Sakinah Supermarket in Surabaya. The implications of these findings suggest that improving halal knowledge, religiosity, and service quality at Sakinah Supermarket can enhance consumer purchasing decisions. Therefore, management should strengthen these three factors to attract more customers who prioritize halal aspects and a quality shopping experience in an increasingly competitive market.]]>
<![CDATA[Penerapan Marketing Mix Syariah Penerapan Marketing-Mix Syariah pada Inovasi Produk Soya Stick Dari Limbah Kulit Ari Kedelai dan Umbi Porang ]]>
<![CDATA[Krisanti, Aulia Arum]]>;
<![CDATA[Susilowati, Fitriah Dwi]]>
<![CDATA[ Jurnal Ekonomika dan Bisnis Islam Vol 7 No 3 (2024): Desember ]]>
Publisher : <![CDATA[Universitas Negeri Surabaya ]]>
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DOI: 10.26740/jekobi.v7n3.p102-116
<![CDATA[This research aims to determine the application of Sharia Marketing Mix in Soya Stick Product Innovation (SOTICK) which is made from soybean husk waste and porang tubers which are rich in protein. This research uses a qualitative research method with a literature review method. With data from book literature sources, journal articles from research or sources related to the topic of discussion in the last 5 years. To then be analyzed and classified according to valid facts and data. The result of this research is the application of sharia marketing mix to Soya Stick product innovation which consists of product, price, location, promotion, people, process and physical evidence. The sharia marketing mix is ??in accordance with the conditions and plans of the Soya Stick idea. Where Soya Stick's vision is to provide benefits that suit people's needs and can be marketed widely. Therefore, it is necessary to apply sharia marketing mix in Soya Stick product development so that the product objectives can be implemented properly in accordance with Islamic economic principles, namely the benefit that prioritizes the general interest, rather than the interests of certain individuals or groups..]]>
