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EKONOMIKA SYARIAH : Journal of Economic Studies
Published by Universitas Islam Negeri Sjech M. Djamil Djambek Bukittinggi
ISSN : 26147890     EISSN : 26148110     DOI : https://www.doi.org/10.30983/ekonomikasyariah
Core Subject : Economy,
Economics, Econometrics & Finance
EKONOMIKA SYARIAH: Journal of Economic Studies is a journal that publishes research results related to the themes of economics, finance, and Islamic banking. It also provides an important role in promoting the process of knowledge, values and skills. Scientific texts that discuss the topics of economics, finance and Islamic banking are highly expected to be presented. Interdisciplinary approaches to Islamic studies are used as instruments to overcome and solve Islamic economic, financial and banking problems. The editorial team invited researchers, scholars, and Islamic studies and economic observers to submit research articles that had never been published in other media or journals. Ekonomika Syariah is published twice a year, in June and December. The editorial team received the research article, typed 1.15 cm in space on A4 paper, double column, 15-20 pages long or 7000 to 9000 words. Every article published has gone through a peer-review process to maintain the quality of the publication.
Arjuna Subject : Ilmu Ekonomi, Ekonometrika dan Keuangan (semua kategori) - Ilmu Ekonomi, Ekonometrika dan Keuangan (Lain-Lain)
Articles 185 Documents
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The Role of Islamic Philanthropic Institutions in Accelerating the Halal Certification Program for Micro, Small and Medium Enterprises (MSMEs) Mutmainah, Lu'liyatul; Yulistiyani, Elin
EKONOMIKA SYARIAH : Journal of Economic Studies Vol. 7 No. 2 (2023): December 2023
Publisher : Universitas Islam Negeri Sjech M. Djamil Djambek Bukittinggi

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.30983/es.v7i2.7600

Abstract

Lembaga filantropi mengupayakan pemberdayaan ekonomi bagi para mustahik, salah satunya dengan mendukung usaha mustahik. Penelitian ini bertujuan untuk menganalisis peran lembaga filantropi Islam dalam mempercepat program sertifikasi halal gratis pada sektor makanan dan minuman berskala mikro, kecil, dan menengah di Indonesia. Metode penelitian yang digunakan adalah penelitian kualitatif dengan deskriptif analisis melalui berbagai sumber sekunder seperti artikel penelitian, buku, laporan, website resmi dan sumber lain yang berkaitan dengan lembaga zakat dan wakaf serta sertifikasi halal bagi UMKM. Penelitian ini menunjukkan bahwa lembaga filantropi Islam seperti lembaga zakat dan wakaf di Indonesia memiliki peran signifikan terhadap percepatan program sertifikasi halal gratis (SEHATI) bagi UMKM. Hal ini karena UMKM sangat dekat dan sudah dibina langsung oleh lembaga filantropi Islam tersebut, sehingga tingkat kepercayaan untuk melakukan sertifikasi halal sudah terpenuhi. Lembaga filantropi Islam dapat menggerakkan sertifikasi halal melalui proses pendampingan yang dilakukan secara rutin melalui program pemberdayaan UMKM terutama bagi para mustahik.Philanthropic institutions strive for economic empowerment for Mustahik, one of which is by supporting Mustahik businesses. This study aims to analyze the role of Islamic philanthropic institutions in accelerating the free halal certification programme in the micro, small, and medium-scale food and beverage sector in Indonesia. The research method used is qualitative research with descriptive analysis through various secondary sources such as research articles, books, reports, official websites, and other sources related to zakat and waqf institutions and halal certification for MSMEs. This research shows that Islamic philanthropic institutions such as zakat and waqf institutions in Indonesia have a significant role in accelerating the free halal certification programme (SEHATI) for MSMEs. This is because MSMEs are very close and have been directly fostered by the Islamic philanthropic institution, so the level of trust to carry out halal certification has been fulfilled. Islamic philanthropic institutions can promote halal certification through a mentoring process that is carried out routinely through MSME empowerment programmes, especially for mustahik.
Determinants of Customer Decisions to Save at Sharia Digital Banks Arifin, Moh.; Muhtadi, Ridan; Mi’raj, Denizar Abdurrahman; Fatimah, Siti; Hannan, Abd.
EKONOMIKA SYARIAH : Journal of Economic Studies Vol. 7 No. 2 (2023): December 2023
Publisher : Universitas Islam Negeri Sjech M. Djamil Djambek Bukittinggi

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.30983/es.v7i2.7608

Abstract

Lembaga keuangan perbankan di Indonesia mengalami transformasi digital yang pesat namun tingkat penerimaan Masyarakat masih tergolong rendah. Penelitian ini bertujuan untuk mengungkapkan dampak variabel religiusitas, keamanan fintech, dan citra merek terhadap keputusan nasabah untuk menyimpan uang di bank digital syariah. Penelitian ini menggunakan data primer yang diperoleh melalui penyebaran kuesioner atau angket, melibatkan 100 responden yang dipilih berdasarkan perhitungan lemeshow. Metode analisis yang digunakan adalah uji validitas, reliabilitas, uji asumsi klasik, uji regresi linier berganda dan uji hipotesis dengan menggunakan perangkat lunak SPSS 24 untuk menganalisis data penelitian. Hasil penelitian menunjukkan bahwa secara parsial variabel keamanan fintech dan citra merek memiliki pengaruh yang signifikan (Sig. <0,005) terhadap keputusan nasabah untuk menabung di bank digital syariah, sementara variabel religiusitas tidak memiliki pengaruh signifikan (Sig. >0,005) terhadap keputusan nasabah untuk menabung di bank digital syariah. Temuan ini mendorong penelitian selanjutnya untuk mengeksplorasi faktor-faktor lain yang dapat memengaruhi keputusan nasabah dalam menggunakan layanan bank digital syariah. Sehingga mampu menjadi bahan evaluasi bagi industri bank digital syariah dalam meningkatkan pangsa pasar.The banking and financial institutions in Indonesia have undergone rapid digital transformation; however, the level of public acceptance remains relatively low. This research aims to elucidate the impact of religiosity, fintech security, and brand image variables on customers' decisions to deposit money in Islamic digital banks. The study employs primary data obtained through the distribution of questionnaires, involving 100 respondents selected based on the Leveshow calculation. The analytical methods utilised include validity and reliability tests, classical assumption tests, multiple linear regression analysis, and hypothesis testing, all conducted using SPSS 24 software for data analysis. The results of the study indicate that, partially, fintech security and brand image variables exert a significant influence (Sig. <0.005) on customers' decisions to deposit money in Islamic digital banks. Meanwhile, the religiosity variable does not have a significant impact (Sig. >0.005) on customers' decisions to deposit money in Islamic digital banks. These findings propel further research to explore other factors that may influence customers' decisions to utilise Islamic digital bank services. Thus, it can serve as evaluative material for the Islamic digital banking industry to enhance market share
What Drives the Islamic Stock Market Price in Indonesia? Munir, Misbahul; Akbar, Muhammad Faisal; Yuningsih, Ayu; Rahmani, Zikri; Lusiana, Dewi
EKONOMIKA SYARIAH : Journal of Economic Studies Vol. 7 No. 2 (2023): December 2023
Publisher : Universitas Islam Negeri Sjech M. Djamil Djambek Bukittinggi

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.30983/es.v7i2.7650

Abstract

Saat ini, pasar modal syariah berkembang semakin pesat. Hal ini ditandai dengan munculnya berbagai indeks saham syariah termasuk Jakarta Islamic Index (JII). Pasar modal  adalah lembaga keuangan yang berkontribusi dalam pengelolaan dana investasi, serta menjadi penggerak utama dalam sistem ekonomi. Namun, pasar modal syariah dalam beberapa dekade terakhir menunjukkan pergerakan yang fluktuatif, diduga ada faktor-faktor yang mempengaruhi pergerakannya. Tujuan dari penelitian ini adalah untuk mengkaji faktor-faktor yang mempengaruhi pergerakan Jakarta Islamic Index. Metode yang digunakan dalam penelitian ini adalah deskriptif kuantitatif dengan data time series tahun 2009-2021. Variabel independen dalam penelitian ini adalah ekonomi makro yang terdiri dari  inflasi (INF), Indeks Produksi Industri (IPI), BI Rate, nilai tukar, dan Indeks Harga Saham Gabungan Indonesia (IHSG) sedangkan variabel dependennya adalah Jakarta Islamic Index (JII). Alat analisis yang digunakan dalam penelitian ini adalah Vector Error Correction Model (VECM). Hasil penelitian ini menunjukkan bahwa secara umum, dalam jangka pendek, pergerakan Indeks Saham Syariah yaitu Jakarta Islamic Index (JII) tidak banyak dipengaruhi oleh variabel makroekonomi. Sementara itu, dalam jangka panjang, pergerakan indeks saham syariah di Indonesia dipengaruhi oleh variabel makroekonomi.Currently, the Islamic capital market is growing rapidly. This is marked by the emergence of various Islamic stock indices, including the Jakarta Islamic Index (JII). The capital market is a financial institution that contributes to the management of investment funds as well as being the main driving force in the economic system. However, the Islamic capital market in recent decades has shown fluctuating movements; allegedly, some factors affect its movement. The purpose of this study is to examine the factors that influence the movement of the Jakarta Islamic Index. The method used in this study is quantitative-descriptive with time series data from 2009 to 2021. The independent variable in this study is macroeconomics, consisting of inflation (INF), industrial production index (IPI), BI rate, exchange rate, and Indonesia Composite Stock Price Index (ICI), while the dependent variable is the Jakarta Islamic Index (JII). The analysis tool used in this study is the Vector Error Correction Model (VECM). The results of this study show that, in general, in the short term, the movement of the Sharia Stock Index, namely the Jakarta Islamic Index (JII), is not much influenced by macroeconomic variables. Meanwhile, in the long run, the movement of Islamic stock indices in Indonesia is influenced by macroeconomic variables.
Financial Stability of Indonesia’s Islamic Banks: Analysis Profitability Kurnia, Rahmat; Baroroh, Hilmy; Fauziah Hayati, Riska; Hazimah Melzatia, Haura; Maminirina Fenitra, Rakotoarisoa
EKONOMIKA SYARIAH : Journal of Economic Studies Vol. 8 No. 1 (2024): June 2024
Publisher : Universitas Islam Negeri Sjech M. Djamil Djambek Bukittinggi

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.30983/es.v8i1.8082

Abstract

The study explores the financial well-being of Islamic banks in Indonesia, focusing on profitability as reflected in the Return on Assets (ROA) ratio. This article brings attention to the issue of certain Sharia Commercial Banks in Indonesia exhibiting poor financial conditions, as indicated by low ROA figures. The primary aim of the research is to evaluate the impact of Good Corporate Governance (GCG), Non-Performing Financing (NPF), and the ratio of Operational Costs to Operational Income (BOPO) on the financial sustainability of these banks. This research adopts a quantitative approach, utilizing secondary data sourced from financial and Good Corporate Governance reports spanning the years 2018 to 2022. The analysis is conducted using panel data regression with the aid of EViews 12 software. The study covers 11 Sharia Commercial Banks in Indonesia over a five-year period, resulting in a sample of 55 observations obtained through purposive sampling. The findings indicate that Good Corporate Governance and Non-Performing Financing significantly influence the Return on Assets, underscoring the critical role these factors play in maintaining financial stability. In contrast, the BOPO ratio does not exert a significant effect on ROA. Furthermore, the results of the simultaneous regression analysis confirm that GCG, NPF, and BOPO collectively have a meaningful impact on the financial performance of Islamic banks, as measured by ROA. Penelitian ini mengeksplorasi kesehatan finansial bank syariah di Indonesia, dengan penekanan pada profitabilitas yang diukur melalui rasio Return on Assets (ROA). Artikel ini menyoroti permasalahan beberapa Bank Umum Syariah di Indonesia yang menunjukkan kondisi keuangan yang kurang baik, yang tercermin dalam rendahnya angka Return on Assets (ROA). Penelitian ini bertujuan untuk menilai pengaruh Good Corporate Governance (GCG), Non-Performing Financing (NPF), dan rasio Biaya Operasional terhadap Pendapatan Operasional (BOPO) terhadap keberlanjutan keuangan bank-bank ini. Pendekatan penelitian ini bersifat kuantitatif, dengan menggunakan data sekunder yang diperoleh dari laporan keuangan dan laporan Good Corporate Governance dalam rentang waktu 2018 hingga 2022. Analisis dilakukan menggunakan regresi data panel dengan bantuan perangkat lunak EViews 12. Penelitian ini melibatkan 11 Bank Umum Syariah di Indonesia selama lima tahun, dengan total 55 observasi yang diperoleh melalui teknik purposive sampling. Hasil penelitian menunjukkan bahwa Good Corporate Governance dan Non-Performing Financing memiliki pengaruh signifikan terhadap Return on Assets, yang menggarisbawahi pentingnya kedua faktor tersebut dalam mempertahankan stabilitas keuangan. Sebaliknya, rasio BOPO tidak menunjukkan dampak yang signifikan terhadap ROA. Selain itu, hasil analisis regresi simultan mengukuhkan bahwa GCG, NPF, dan BOPO secara bersama-sama memberikan pengaruh yang berarti terhadap kinerja keuangan bank syariah, yang diukur melalui ROA.
The Influence of Religiosity, Zakat Knowledge and Social Media on the Interest in Paying Zakat of Educated Millennial Muslims Hidayatullah, Syarif; Asyari, Asyari
EKONOMIKA SYARIAH : Journal of Economic Studies Vol. 7 No. 2 (2023): December 2023
Publisher : Universitas Islam Negeri Sjech M. Djamil Djambek Bukittinggi

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.30983/es.v7i2.8084

Abstract

Studi ini dilakukan untuk menganalisis pengaruh religiusitas, pengetahuan tentang zakat dan penggunaan media sosial terhadap minat muslim millenial terdidik untuk membayar zakat. Metode studi yang digunakan adalah penelitian korelasional (correlation research) dengan jumlah total responden sebanyak 222 orang yang merupakan mahasiswa dari Fakultas Ekonomi Bisnis Islam dari 3 (tiga) Perguruan Tinggi Islam Negeri di Sumatera Barat. Metode pengumpulan data dilakukan dengan cara menyebarkan kuesioner, lalu dianalisis dengan metode Partial Least Square Equation Modeling (PLS-SEM) menggunakan aplikasi SmartPLS 4. Hasil penelitian menemukan bahwa religiusitas mempengaruhi minat untuk membayar zakat. Pengetahuan zakat mempengaruhi minat membayar zakat. Media sosial tidak memiliki pengaruh terhadap minat membayar zakat dengan arah hubungan positif. Studi ini merekomendasikan strategi untuk meningkatkan minat membayar zakat dari generasi muslim millenial terdidik dengan cara memperhatikan tingkat religiusitas dan pengetahuan zakat serta informasi zakat yang tersedia pada media sosial generasi millenial muslim terdidikThis study was conducted to analyse the influence of religiosity, knowledge about zakat, and the use of social media on the interest of educated millennial Muslims to pay zakat. The study method used is correlation research with a total of 222 respondents who are students from the Faculty of Islamic Business Economics from three (three) state Islamic universities in West Sumatra. The data collection method was carried out by distributing questionnaires, which were then analysed by the partial least squares equation modelling (PLS-SEM) method using the SmartPLS 4 application. The results found that religiosity affects interest in paying zakat. Zakat knowledge affects the interest in paying zakat. Social media does not influence interest in paying zakat with a positive relationship direction. This study recommends strategies to increase the interest in paying zakat of the educated millennial Muslim generation by paying attention to their level of religiosity and zakat knowledge, as well as the zakat information available on social media. 
Measuring the Poverty of Productive Zakat Mustahik using the CIBEST Model Yusril Firmansyah; Hari Sukarno; Masruroh, Nikmatul
EKONOMIKA SYARIAH : Journal of Economic Studies Vol. 8 No. 2 (2024): December 2024
Publisher : Universitas Islam Negeri Sjech M. Djamil Djambek Bukittinggi

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.30983/es.v8i2.8194

Abstract

Abstract The productive Zakat is expected to contribute to alleviating poverty. The productive zakat model is a sustainable charity model and is not consumptive, so it can be expected to contribute to poverty alleviation. So, this research has some purposes thethe first is to explore the formula about the problem of productive zakat management carried out by BAZNAS; secondly, to analyze the impact of productive zakat on poverty alleviaton; and thirdly, to measure the poverty of mustahik productive zakat using the CIBEST model. The problem is solved using a mixed-method approach, namely qualitative with case study type and quantitative methods with descriptive statistics type. In this study, using qualitative research methods were used first, then continued using quantitative. This research took place in Probolinggo. Regency. The results of this study, first, the management of productive zakat by BAZNAS Probolinggo Regency uses the GAG ​​principle and uses the POAC management system. Second, productive zakat management has not had an impact on material poverty alleviation. Third, the poverty position of mustahik productive zakat using the CIBEST model, which is in quadrant II, it means that Mustahik has spiritual wealth and is materially poor.   Zakat produktif diharapkan bisa berkontribusi dalam mengentaskan kemiskinan. Model zakat produktif merupakan model charity yang berkelanjutan dan tidak bersifat konsumtif, sehingga bisa diharapkan bisa memberikan kontribusi pada pengentasan kemiskinan. Sehingga penelitian ini memiliki tujuan pertama mengeksplorasi tentang masalah pengelolaan zakat produktif yang dilaksanakan oleh BAZNAS, kedua, menganalisis dampak zakat produktif dalam pengentasan kemiskinan, ketiga mengukur kemiskinan mustahik zakat produktif dengan menggunakan model CIBEST. Masalah tersebut diselesaikan menggunakan pendekatan mix method, yaitu metode kualitatif dengan jenis studi kasus dan kuantitatif dengan jenis statistik deskriptif. Dalam penelitian ini menggunakan metode penelitian kualitatif terlebih dahulu, kemudian dilanjutkan menggunakan kuantitatif. Penelitian ini mengambil objek di Kabupaten Probolinggo. Hasil penelitian ini, pertama pengelolaan zakat produktif oleh BAZNAS Kabupaten Probolinggo menggunakan prinsip GAG dan menggunakan sistem manajemen POAC, kedua pengelolaan zakat produktif belum memiliki dampak bagi pengentasan kemiskinan secara materiil, ketiga posisi kemiskinan mustahik zakat produktif dengan model CIBEST, yaitu pada kuadran II artinya  mustahik memiliki kekayaan secara spiritual dan miskin secara material.  
Optimization of Islamic Financial Schemes for MSMEs Development Nasrulloh, Agus Ahmad; Nurhasanah, Elis; Sukmawati, Heni; Joni, Joni
EKONOMIKA SYARIAH : Journal of Economic Studies Vol. 8 No. 2 (2024): December 2024
Publisher : Universitas Islam Negeri Sjech M. Djamil Djambek Bukittinggi

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.30983/es.v8i2.8252

Abstract

Abstract The growth rate of Micro, Small, and Medium Enterprises (MSMEs) in the City/District of Tasikmalaya has increased steadily over the past six years at around 6.18% annually. MSMEs face challenges related to capital and business development, and the proposed solution is cooperation with financial institutions. However, MSMEs find it difficult to obtain financing from formal financial institutions due to a lack of collateral and sufficient knowledge about financing schemes suitable for their businesses. As a result, MSMEs have to seek funding from non-formal lenders with ribawi contracts, which contradict Islamic principles and local regulations. This practice is also inconsistent with Local Regulation No. 7 of 2014 of Tasikmalaya City and Governor Regulation No. 1 of 2022 of West Java. The aim of this research is to analyze opportunities, challenges, and strategies for optimizing shariah finance in the MSME sector in Tasikmalaya City/Regency. The type of research carried out was descriptive research with a mixed-method approach (qualitative and quantitative) using the Analytic Network Process (ANP). There were 8 respondents in this research, consisting of academics, practitioners, and regulators of Islamic financial institutions in Tasikmalaya City/Regency. The research results show that there are four problems and four solutions to optimize Islamic financial schemes in developing MSMEs, namely community problems, institutions, access, and regulations. The problems and solutions that must be addressed are primarily in society. Massive Islamic financial education needs to continue to be carried out, supported by access to Islamic financing and also the government's firmness in supporting MSMEs through Islamic financial institutions. Tingkat pertumbuhan UMKM di Kota/Kabupaten Tasikmalaya meningkat stabil selama enam tahun terakhir dengan pertumbuhan 6,18% setiap tahunnya. UMKM mengalami kendala terkait modal dan pengembangan usaha, dan solusi yang diusulkan adalah kerjasama dengan lembaga keuangan. Namun, UMKM kesulitan mendapatkan pembiayaan dari lembaga keuangan resmi karena tidak memiliki jaminan dan pengetahuan yang cukup tentang skema pembiayaan yang cocok untuk bisnis mereka. Akibatnya, UMKM harus mencari dana dari pemberi pinjaman non-formal dengan akad ribawi, yang bertentangan dengan prinsip Islam dan regulasi setempat. Praktik ini juga tidak sejalan dengan Peraturan Daerah Kota Tasikmalaya Nomor 7 Tahun 2014 dan Peraturan Gubernur Jawa Barat Nomor 1 Tahun 2022. Tujuan dari penelitian ini adalah untuk menganalisis peluang, tantangan dan strategi optimalisasi keuangan syariah pada sektor UMKM di Kota/Kabupaten Tasikmalaya. Jenis penelitian yang dilakukan adalah penelitian deskriptif dengan pendekatan Mixed Method (kualitatif dan kuantitatif) dengan menggunakan Analytic Network Process (ANP). Terdapat 8 orang responden dalam penelitian ini yang terdiri dari praktisi, akademisi, dan regulator lembaga keuangan syariah di Kota/Kabupaten Tasikmalaya. Hasil penelitian menunjukkan bahwa terdapat empat permasalahan dan empat solusi untuk mengoptimalkan skema keuangan syariah dalam mengembangkan UMKM, yaitu permasalahan masyarakat, kelembagaan, akses, regulasi. Permasalahan dan solusi yang harus dibenahi terutama pada masyarakat. Edukasi keuangan syariah secara masif perlu terus dilakukan, didukung dengan akses pembiayaan syariah dan juga ketegasan pemerintah dalam mendukung UMKM melalui lembaga keuangan syariah.
The Waqf Integrated Income-Generating Model: A Catalyst for Indonesia's Sustainable Development Ambitions Haidar, Abdullah; Herindar, Evania; Arviannis, Tasya; Nursyamsiyah, Ikha; Hendrasto, Nur
EKONOMIKA SYARIAH : Journal of Economic Studies Vol. 8 No. 1 (2024): June 2024
Publisher : Universitas Islam Negeri Sjech M. Djamil Djambek Bukittinggi

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.30983/es.v8i1.8256

Abstract

This research delves into the effect of collective beliefs and anticipations regarding investment cooperation, technological progression, and administrative governance on fostering sustainable income through the Waqf Integrated Income Generating Model (WIIGM). The study, grounded in the Theory of Reasoned Action (TRA), empirically assesses public perceptions of the WIIGM. A survey conducted among 100 participants through convenience sampling and online questionnaires provides the data, which is analyzed using partial least squares structural equation modeling to test hypotheses. Prior ethical approval was secured for data collection. Findings from this study highlight that sustainable income is positively influenced by investment collaboration and governance, but not by technological advancements. In terms of building trust (behavioral intention) in the WIIGM model, technological advancement does not show a significant effect. This novel investigation offers insights into how a newly proposed integrated income model for waqf institutions could enhance community trust. The study holds substantial implications. It is intended for professionals and government officials to understand waqf's functions, positions, and potential applications, considering community trust and beliefs.
Subjective Well-Being, Religiosity, Trust, and Altruism: an Islamic Perspective Rakhmawati, Rakhmawati; Atmaja, Fajar Fandi
EKONOMIKA SYARIAH : Journal of Economic Studies Vol. 8 No. 2 (2024): December 2024
Publisher : Universitas Islam Negeri Sjech M. Djamil Djambek Bukittinggi

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.30983/es.v8i2.8393

Abstract

Subjective well-being (SWB) is often associated with increased productivity, creativity, innovation, and improved social relationships, all of which play a significant role in supporting a country's development. This research was carried out to examine SWB from an Islamic perspective. It also evaluated the importance of religiosity, trust, and altruism to SWB. The library research method was used in this research with data collected from journal articles, books, and the Qur’an. First, journal articles on the topic of SWB from an Islamic perspective were searched. Second, the Qur’an was examined to determine the references to the roles of religiosity, trust, and altruism. Third, the publications on the impact of religiosity, trust, and altruism were reviewed. The topic of SWB, from an Islamic perspective, is associated with happiness, as represented by the terms al-falah and al sa’adah. The implications are for individuals, educators, families, and governments to increase SWB through the enhancement of important indicators. The research strengthens empirical evidence on the positive impact of religiosity, trust, and altruism on SWB. It also proved that Islamic teachings on muamalat (social relations) are universal and provided benefits to non-Muslims. Individu dengan kesejahteraan subjektif (subjective well-being/SWB) yang baik akan lebih produktif, kreatif, inovatif, dan memiliki hubungan sosial yang baik. Hal tersebut merupakan aspek penting dalam pembangunan suatu negara. Penelitian ini bertujuan untuk menganalisis SWB dari perspektif Islam serta bagaimana peran religiositas, kepercayaan, dan altruisme terhadap SWB. Penelitian ini menggunakan metode studi kepustakaan dengan data berasal dari artikel jurnal, buku, dan al-Qur’an. Pertama, artikel jurnal dengan topik SWB dalam perspektif Islam dibahas. Kedua, peran religiositas, kepercayaan dan altruisme dicari di dalam al-Qur’an. Ketiga, artikel jurnal terkait bukti empiris ketiga variabel tersebut terhadap SWB juga dibahas. Topik tentang SWB dalam perspektif Islam dihubungkan dengan kebahagiaan khususnya dengan istilah al-sa’adah dan al-falah. Implikasi dari penelitian ini adalah untuk individu, pendidik, keluarga, dan pemerintah untuk meningkatkan SWB melalui tiga variabel yang dibahas di sini. Penelitian ini menguatkan penelitian empiris bahwa ada peran positif dari religiositas, kepercayaan terhadap orang lain, dan sifat altruisme dalam meningkatkan kebahagiaan. Penelitian ini juga memberikan bukti bahwa ajaran Islam dalam muamalat (hubungan sosial) bersifat universal dan memberikan manfaat pada manusia bahkan untuk yang tidak beragama Islam.
GenZ's Purchase Decision of Branded-Preloved Clothing: Do Islamic Consumption Principles Influence Their Decisions? Arinda, Niyara; Novi Andra, Elsa; Parsaulian, Baginda; Agung Mulyana, Cahya
EKONOMIKA SYARIAH : Journal of Economic Studies Vol. 8 No. 1 (2024): June 2024
Publisher : Universitas Islam Negeri Sjech M. Djamil Djambek Bukittinggi

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.30983/es.v8i1.8425

Abstract

The issue of young consumer behavior in making purchasing decision to  a good or service is always intriguing  to analyze , particularly when considering whether their behavior aligns with Islamic values or not, especially for Generation Z (Gen Z), who are sometimes notoriously random in their actions. This study aims to estimate whether brand image, price, and fashion style affect the purchase decision of well-known brand-used clothes, and this study will elaborate in more detail on the findings from the perspective of Islamic consumer behavior. These findings will provide an important answer to whether Islamic consumption principles influence consumers' purchasing decisions. This study is quantitative research with a total of 250 respondents, which was collected using purposive sampling, which includes the younger generation of Muslims who like to shop for branded-prelove goods. The findings show that brand image, price, and fashion style are predictors of Gen Z purchasing decisions in deciding to buy branded-prelove clothing by 59.3%. A more detailed search shows that young Muslim customers still pay attention to Islamic consumption values in shopping such as rationality, simplicity, trust and honesty (Siddiq), reasonable prices, and Maslahah. This finding contributes to helping business actors design market strategies based on the behavior of the young Muslim generation. Issue tentang  perilaku konsumsi muda dalam memutuskan pembelian suatu barang dan jasa selalu menarik untuk dianalisis karena pola perilaku mereka selalu dipertanyakan apakah sejalan dengan nilai-nilai Islam atau tidak, khususnya bagi Generasi Z (GenZ) yang terkadang terkenal random dalam bertindak. Penelitian ini bertujuan untuk mengestimasi apakah citra merek, harga dan gaya fashion berpengaruh terhadap keputusan pembelian pakaian bekas  bermerek terkenal, dan penelitian ini akan menguraikan lebih detail temuan dalam perspektif perilaku konsumen Islam. Pertanyaan penting apakah prinsip konsumsi Islam mempengaruhi keputusan mereka dalam membeli atau tidak akan terjawab dalam temuan ini. Penelitian ini merupakan penelitian kuantitatif dengan jumlah responden sebanyak 250 orang, yang dikumpulkan dengan menggunakan purposive sampling yang meliputi generasi muda muslim yang hobi berbelanja barang-barang branded-preloved. Temuan menunjukkan bahwa citra merek, harga dan juga gaya fashion menjadi prediktor keputusan pembelian GenZ dalam memutuskan pembelian pakaian branded-prelove sebesar 59,3%. Penelusuran lebih detail menunjukkan bahwa pelanggan muda muslim masih memperhatikan nilai-nilai konsumsi Islami dalam berbelanja seperti rasionalitas, kesederhanaan, amanah dan jujur (siddiq), harga wajar, dan maslahah. Temuan ini memberikan kontribusi bagi pelaku usaha dalam merancang strategi pasar berdasarkan perilaku generasi muda Muslim.  

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