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Rina Desiana
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rina.desiana@ar-raniry.ac.id
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ekobis.syariah@ar-raniry.ac.id
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Gedung Fakultas Ekonomi dan Bisnis Islam Program Studi Ekonomi Syariah Jl. Syekh Abdul Rauf, Kopelma Darussalam, Banda Aceh, Aceh, Indonesia
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INDONESIA
EKOBIS SYARIAH
Published by Universitas Islam Negeri Ar-Raniry Banda Aceh
ISSN : -     EISSN : 25797042     DOI : http://dx.doi.org/10.22373/ekobis
Core Subject : Religion, Economy, Science, Social,
Religion Decision Sciences, Operations Research & Management Economics, Econometrics & Finance Library & Information Science Social Sciences
Kesadaran penerapan prinsip-prinsip ekonomi syariah dalam seluruh aktivitas ekonomi semakin meningkat seiring dengan adanya bukti empiris bahwa sistem ekonomi konvensional belum sepenuhnya mampu meningkatkan kesejahteraan masyarakat secara keseluruhan. Penerapan sistem ekonomi konvensi hanya menyisakan masalah warisan seperti meningkatnya ketimpangan pendapatan, semakin lebarnya jurang kemiskinan dan persoalan-persoalan lainnya yang berdampak pada adanya marjinalisasi satu golongan terhadap golongan lain. Kehadiran ekonomi syariah diharapkan mampu menyelesaikan berbagai persoalan dalam ekonomi sehingga terciptanya pembangunan ekonomi yang berkeadilan dan dapat dinikmati oleh seluruh masyarakat.Namun dalam prakteknya, penerapan prinsip-prinsip ekonomi syariah perlu didukung oleh penelitian baik empiris maupun teoritis.
Arjuna Subject : Ilmu Ekonomi, Ekonometrika dan Keuangan (semua kategori) - Ilmu Ekonomi, Ekonometrika dan Keuangan (Lain-Lain)
Articles 8 Documents
 1 
Search results for , issue "Vol. 8 No. 1 (2024)" : 8 Documents clear
The Role of Product Differentiation, Customer Purchase Intention, and Islamic Self-Congruity in Driving Customer Loyalty Cavallera, Riyan; Nabhan, Faqih
EKOBIS SYARIAH Vol. 8 No. 1 (2024)
Publisher : Universitas Islam Negeri Ar-Raniry Banda Aceh

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.22373/ekobis.v8i1.20330

Abstract

Objective: This research aims to examine efforts to encourage the optimization of product differentiation, which can significantly impact customer purchase intention and Islamic self-congruity, thereby enhancing customer loyalty. Research Design & Method: This study was conducted with 150 Shopee customers residing in Salatiga city, utilizing an online questionnaire distributed via WhatsApp (WA) using accidental sampling technique. The collected data were processed using Partial Least Square Program Smart (PLS) Version 4.0, with Variance Based Structural Equation Modeling (SEM). Findings: The results of this research indicate that product differentiation is effective in driving customer purchase intention and Islamic self-congruity but fails to increase customer loyalty. Furthermore, customer purchase intention plays a significant role in boosting customer loyalty. However, Islamic self-congruity does not lead to increased customer loyalty. Implications & Recommendations: This study concludes that higher levels of product differentiation in Muslim clothing offered by Shopee do not directly enhance customer loyalty. Companies need to manage and optimize customer purchase intention to have a more substantial impact on driving customer loyalty. Islamic self-congruity has not successfully leveraged product differentiation in increasing customer loyalty. Contribution & Value Added: This research offers a fresh perspective on self-congruity theory, highlighting that self-congruence based on specific beliefs and religious convictions provides an opportunity for a broader exploration of customer behavior phenomena. Future research would be intriguing if conducted with more heterogeneous respondents, leading to a deeper understanding of the roles of customer purchase intention and Islamic self-congruity in enhancing customer loyalty.
The Mechanism for Calculating the Nishab of Zakat for Civil Servants’ Income According to MUI Fatwa No 3 Year 2023 Asri, Juinda; Supardi, Supardi; Setiawan, Adi; Afrianty, Nonie
EKOBIS SYARIAH Vol. 8 No. 1 (2024)
Publisher : Universitas Islam Negeri Ar-Raniry Banda Aceh

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.22373/ekobis.v8i1.20370

Abstract

Civil servants are one of the subjects of zakat, which is called income zakat, and each zakat is issued if it has reached the nishab. The Indonesian Ulema Council regulates zakat in the MUI Fatwa Number 3 of 2003 concerning Zakat Income. The UPZ of the Regional Office of the Ministry of Religion of Bengkulu Province takes zakat on income every month from all groups of civil servants, even though some of the income of certain groups of civil servants has not reached the nishab. Determining the income nishab value is based on the Decree of the Chairman of BAZNAS No. 14 of 2021 concerning the income and services zakat nishab in 2021. The income nishab value is 85 grams of gold multiplied by IDR. 938,099,- amounting to Rp. 79,738,415,-. The research method used is descriptive analytical method with a qualitative approach. The results of this research show that: 1) the calculation of the zakat nishab on civil servant income applied by UPZ at the Regional Office of the Ministry of Religion of Bengkulu Province is taken from the basic salary of civil servants which is then paid out at 2.5% every month. 2) The calculation of the zakat nishab on civil servants' income by UPZ at the Regional Office of the Ministry of Religion of Bengkulu Province is not in accordance with MUI Fatwa Number 3 of 2003 because zakat is imposed on all groups of civil servants, zakat is taken from all gross income, and zakat is issued even though it has not yet reached the haul time.
Literature Review Riset peran Maqasyid Syariah di Perbankan Syariah Indonesia Syarif, Dafiar; Wahyu, Wawan Devis; Syukawati, Syukawati; Mailindr, Wiyan; Sarmigi, Elex
EKOBIS SYARIAH Vol. 8 No. 1 (2024)
Publisher : Universitas Islam Negeri Ar-Raniry Banda Aceh

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.22373/ekobis.v8i1.20568

Abstract

Penelitian ini bertujuan untuk melakukan tinjauan pustaka terhadap hasil penelitian tentang realisasi indeks maqashid syariah (MSI) pada perbankan syariah. Penelitian ini menggunakan pendekatan kualitatif dengan menerapkan metode deskriptif-analitis. Hasil penelitian ini menunjukkan bahwa beberapa hasil penelitian menekankan pentingnya realisasi indeks maqashid syariah (MSI) pada perbankan syariah. Dari Diskusi menjelaskan bahwa adanya pengaruh positif yang signifikan dari kinerja sosial berbasis Maqasid al-Shariah terhadap kinerja keuangan, Indeks maqasid syariah terbukti berpengaruh positif dan signifikan terhadap Kinerja Berbasis Akuntansi. Penelitian ini menyimpulkan penting sekali lembaga keuangan terkhusunya bank syariah menggunakan penilaian dengan indikator muqasyid syariah atau indikator penilaian yang dilahirkan dari bidang ilmu ekonomi islam
Pengaruh Kualitas Pelayanan, Kualitas Informasi, dan Islamic Branding Terhadap Kepuasan Konsumen Pada Situs Jual Beli Shopee (Studi Kasus Mahasiswa FEB Untirta) Prihartama, Toto; Mukhsin, Moh.
EKOBIS SYARIAH Vol. 8 No. 1 (2024)
Publisher : Universitas Islam Negeri Ar-Raniry Banda Aceh

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.22373/ekobis.v8i1.22797

Abstract

Penelitian ini bertujuan untuk menyelidiki dampak variabel kualitas pelayanan, kualitas informasi, dan Islamic branding terhadap tingkat kepuasan konsumen, khususnya dalam kerangka konsumen Shopee. Penelitian menggunakan pendekatan kuantitatif dengan jenis pendekatan asosiatif. Sumber data primer adalah melalui pembagian kuisoner. Sedangkan sumber data sekunder berasal dari jurnal, artikel dan buku yang berkaitan dengan topik pengaruh kualitas pelayanan, kualitas informasi dan islamic branding terhadap kepuasan konsumen. Pengumpulan data melalui observasi, wawancara, dan dokumentasi. Analisis data dilakukan dengan tahapan reduksi data, penyajian data, dan penarikan kesimpulan. Hasil penelitian ini yaitu secara parsial kualitas pelayanan, kualitas informasi dan islamic branding memiliki pengaruh positif dan signifikan terhadap kepuasan konsumen. Selanjutnya secara simultan kualitas pelayanan, kualitas informasi dan islamic branding memiliki pengaruh positif dan signifikan terhadap kepuasan konsumen.
THE INFLUENCE OF EDUCATION, KNOWLEDGE AND SKILLS ON THE PERFORMANCE OF PT BANK ACEH SYARIAH EMPLOYEES Ismuadi, Ismuadi; Muksal, Muksal; Yusuf, Maya Ariska
EKOBIS SYARIAH Vol. 8 No. 1 (2024)
Publisher : Universitas Islam Negeri Ar-Raniry Banda Aceh

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.22373/ekobis.v8i1.22869

Abstract

Kinerja suatu perusahaan, termasuk perbankan, dalam mencapai tujuannya sangat bergantung pada kemampuan sumber daya manusianya (karyawan) dalam melaksanakan tugas dan tanggung jawabnya. Penelitian ini bertujuan untuk mengetahui pengaruh faktor pendidikan, pengetahuan dan keterampilan terhadap kinerja pegawai Kantor Pusat PT Bank Aceh Syariah. Dengan menggunakan 74 data responden, sampel dalam penelitian ini adalah karyawan PT Bank Aceh Kantor Pusat Syariah. Data diolah menggunakan aplikasi SPSS dengan analisis regresi linier berganda. Hasil menyatakan bahwa pendidikan tidak berpengaruh terhadap kinerja karyawan PT Bank Aceh Syariah, pengetahuan tidak berpengaruh terhadap kinerja karyawan PT Bank Aceh Syariah, keterampilan berpengaruh terhadap kinerja karyawan PT Bank Aceh Syariah, sekaligus pendidikan, pengetahuan dan keterampilan bersama-sama berpengaruh terhadap kinerja karyawan PT Bank Aceh Syariah.
THE EFFECT OF SERVICE QUALITY AND BRAND IMAGE ON CUSTOMER LOYALTY WITH CUSTOMER SATISFACTION AS AN INTERVENING VARIABLE Suhad, Suhad; Iswati, Heni
EKOBIS SYARIAH Vol. 8 No. 1 (2024)
Publisher : Universitas Islam Negeri Ar-Raniry Banda Aceh

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.22373/ekobis.v8i1.22876

Abstract

This study aims to analyze the effect of service quality and brand image on customer satisfaction and its impact on customer loyalty at PT Asuransi Jasindo Syariah. Service quality and brand image have a very important role in building positive relationships with customers, which can increase customer satisfaction and loyalty.This research method involves surveying customers of PT Asuransi Jasindo Syariah to collect primary data. The sampling technique was carried out using purposive sampling method, and the data were analyzed using path analysis to measure the relationship between these variables. The results of data analysis show that service quality and brand image significantly affect customer satisfaction. In addition, customer satisfaction is also proven to have a significant impact on customer loyalty.The implication of these findings is that PT Asuransi Jasindo Syariah needs to continue to improve the quality of service to its customers and strengthen its brand image in order to maintain and increase customer satisfaction, which in turn will contribute to increased customer loyalty. Company management needs to understand the importance of maintaining positive relationships with customers and focus on developing strategies to improve service quality and strengthen brand image in order to achieve the company's long-term goals.
APPLICATION OF THE MCKINSEY MODEL IN ORGANIZATIONAL CHANGE AT BANK SYARIAH INDONESIA KCP JEMBER KARIMATA Anisa, Anisa; Setianingrum, Nurul
EKOBIS SYARIAH Vol. 8 No. 1 (2024)
Publisher : Universitas Islam Negeri Ar-Raniry Banda Aceh

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.22373/ekobis.v8i1.23154

Abstract

Organizational change is a vital process in the growth and survival of an organization. The seven key elements that must align and interact harmoniously within an organization are: Strategy, Structure, Systems, Staff, Style/Culture, Shared Values, and Skills. The type of research used in this research is descriptive research using a qualitative approach. The data collection techniques used were observation, interviews and documentation. The data analysis technique is descriptive and the data validity technique uses source triangulation. The results of this research show that 1. the implementation of McKinsey's business strategy has gone very smoothly and has had a significant positive impact on the growth of the banking institution. As a result of implementation, BSI KCP Karimata was able to improve service quality and customer satisfaction. Operational efficiencies obtained through the McKinsey model also contribute positively to profitability and strengthen the financial foundation of BSI KCP Karimata. 2. The profits obtained after implementing the McKinsey model, namely the main profits obtained by BSI KCP Jember Karimata, further strengthen BSI's position as the largest sharia bank in Indonesia and in 2023 BSI will crawl up to the top 10 national banks. The challenge is that there are still some employees who find it difficult to adapt to new regulations or strategies from BSI KCP Jember Karimata.
Positive Impact of Audit Quality on Sharia Banks Arifin, Muhammad; Riza, Akmal; Ksrisya, Vira Clarissa
EKOBIS SYARIAH Vol. 8 No. 1 (2024)
Publisher : Universitas Islam Negeri Ar-Raniry Banda Aceh

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.22373/ekobis.v8i1.23490

Abstract

Sharia banking can thrive by using the company's financial success, which is closely aligned with the audit process. The purpose of the audit task is to acquire evidence and assess it impartially to determine if the audit criteria are satisfied, so ensuring a high-quality audit and preventing fraud. Subsequently, a study was conducted to ascertain the influence of ethical factors and auditor expertise on the level of audit excellence in the financial statements of Islamic banks in Banda Aceh. The research employed a quantitative approach, utilizing the multiple linear regression model for data analysis. The primary data was collected through a questionnaire and processed using IBM Statistics to test statistical hypotheses. The study findings indicate that both ethical factors and audit experience have a favorable influence on the quality of audits conducted by Islamic institutions.

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