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Santri : Jurnal Ekonomi dan Keuangan Islam
Published by Asosiasi Riset Ekonomi dan Akuntansi Indonesia
ISSN : 30255910     EISSN : 30257948     DOI : 10.61132
Core Subject : Religion, Economy, Science,
Religion Decision Sciences, Operations Research & Management Economics, Econometrics & Finance
Ilmu bidang Ekonomi dan Akuntansi, sebagai media bagi para dosen, guru, peneliti dan para praktisi dalam bidang Ekonomi dan Manajemen
Arjuna Subject : Bisnis, Menejemen, dan Akutansi (semua kategori) - Bisnis, Menejemen, dan Akutansi (Lain-Lain)
Articles 272 Documents
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Implementasi Produk Pegadaian Syariah pada Pegadaian Syariah Cabang Paus Pekanbaru Anggun Anugrah; Azwar Azwar; Aulia Apriyani Jemmi; Faiqul Halim; Siti Aisyah; Abdul Aziz Hiborohim Srg
SANTRI : Jurnal Ekonomi dan Keuangan Islam Vol. 4 No. 3 (2026): Juni: SANTRI : Jurnal Ekonomi dan Keuangan Islam
Publisher : Asosiasi Riset Ekonomi dan Akuntansi Indonesia

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.61132/santri.v4i3.2344

Abstract

This study aims to analyze the implementation of Pegadaian Syariah products at the Paus Pekanbaru Branch based on field observations and interviews. The research focuses on four main products: Rahn, Gold Installments, Gold Savings, and Sharia Business Loans. A qualitative descriptive method was applied using observation, interviews, and documentation as data collection techniques. The findings show that Rahn is the most widely used product because it offers a fast disbursement process, simple procedures, and relatively accessible requirements for customers who need short-term financing. Gold Installments and Gold Savings provide alternative sharia-compliant investment instruments based on real assets, allowing customers to own gold gradually and safely. Meanwhile, Sharia Business Loans play an important role in supporting micro-enterprise development by providing financing that follows Islamic principles. Overall, the implementation of these products reflects Pegadaian Syariah’s contribution to expanding financial inclusion, strengthening public understanding of sharia-based financial services, and providing practical solutions for community economic needs. However, product socialization and customer literacy still need improvement to optimize utilization. This improvement is expected to enhance product acceptance and strengthen sustainable sharia financial service performance.
Korelasi Antara Umur Dengan Jumlah Investasi Masyarakat Sangatta Utara Kutai Timur A. Faisal
SANTRI : Jurnal Ekonomi dan Keuangan Islam Vol. 4 No. 3 (2026): Juni: SANTRI : Jurnal Ekonomi dan Keuangan Islam
Publisher : Asosiasi Riset Ekonomi dan Akuntansi Indonesia

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.61132/santri.v4i3.2390

Abstract

Abstract. Based on the results of observations, it is observed that the village of North Sangatta has rapid economic growth followed by the development of mining, especially the presence of large mining company PT. Kaltim Prima Coach (KPC). The phenomenon of increasing economic activity driven by the mining and service sectors opens up opportunities for people to allocate part of their income into investment activities. However, there have not been many studies that specifically review how age characteristics affect the decisions and amount of investment of the community in this village. In addition, East Kutai is one of the largest mining cities in Indonesia, so it can attract many foreign and domestic investors. This is evidenced by East Kutai becoming the region with the highest absorption of FDI investment in East Kalimantan in 2022. This study aims to find out whether there is a correlation between age and the amount of investment of the people of North Sangatta. This type of research includes field research using a quantitative approach. The approach of this study uses data collection techniques that complement each other, namely the technique of filling out questionnaires by researchers to obtain data from 68 respondents which uses the Snowball Sampling technique. From the results of the study, which has been analyzed using non-parametric statistical methods. The results of the Spearman correlation test showed a significant positive relationship between age and the amount of investment with a correlation coefficient of 0.474 having a moderate/moderate correlation level. This shows that the higher the age, the more investment the amount of investment also tends to increase, the age referred to in this study is the productive age of 15-64 years. So it can be concluded that age and the amount of investment have a correlation.
Peran Umkm Pengolahan Lele dalam Mendorong Pertumbuhan Ekonomi Nasional: Studi Kasus pada UMKM di Kecamatan Ngadiluwih Ika Nurfitriani; Muhammad Fahmi Sholihudin
SANTRI : Jurnal Ekonomi dan Keuangan Islam Vol. 4 No. 4 (2026): Agustus: SANTRI : Jurnal Ekonomi dan Keuangan Islam
Publisher : Asosiasi Riset Ekonomi dan Akuntansi Indonesia

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.61132/santri.v4i4.2468

Abstract

Micro, Small, and Medium Enterprises (MSMEs) play a strategic role in supporting national economic growth by creating employment opportunities, increasing community income, and generating product value-added. However, catfish-processing MSMEs continue to face several challenges, including limited access to capital, fluctuations in raw material supply, low levels of innovation, and the underutilization of production technology and digital marketing. This study aims to analyze the role of catfish-processing MSMEs in creating product value-added, improving community welfare, and identifying business development strategies that support national economic growth. This study employed a qualitative approach with a case study design conducted at catfish-processing MSMEs in Ngadiluwih District, Kediri Regency, Indonesia. Ten informants were selected using purposive sampling. Data were collected through in-depth interviews, observations, and documentation and analyzed using the interactive model of Miles, Huberman, and Saldaña, consisting of data condensation, data display, and conclusion drawing and verification. The findings indicate that catfish-processing MSMEs enhance product value-added through product diversification, production process innovation, and improved packaging, thereby increasing product competitiveness and market value. Furthermore, these enterprises contribute to community welfare by generating employment, increasing household income, and strengthening local economic activities. Effective development strategies include strengthening supply chain partnerships, expanding access to financing, modernizing production technology, and implementing digital marketing. These findings demonstrate that strengthening the capacity of catfish-processing MSMEs can enhance business competitiveness while reinforcing their contribution to sustainable national economic growth.
Pengaruh Etika Auditor, Tekanan Anggaran Waktu, Independensi dan Akuntabilitas terhadap Kualitas Audit pada Inspektorat Provinsi Sumatera Selatan Fitri Montessa; Bainil Yulina; Desri Yanto
SANTRI : Jurnal Ekonomi dan Keuangan Islam Vol. 4 No. 4 (2026): Agustus: SANTRI : Jurnal Ekonomi dan Keuangan Islam
Publisher : Asosiasi Riset Ekonomi dan Akuntansi Indonesia

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.61132/santri.v4i4.2474

Abstract

Audit quality in the public sector is essential for maintaining accountability, transparency, and public trust in government financial management. This study examines the effects of auditor ethics, time budget pressure, independence, and accountability on audit quality at the Inspectorate of South Sumatra Province. A quantitative survey design was employed using primary data collected through questionnaires distributed to the entire population of 59 auditors; 56 usable questionnaires were returned, resulting in a 95% response rate. The data were measured using a five-point Likert scale and analyzed with descriptive statistics, instrument quality tests, classical assumption tests, multiple linear regression, t-tests, F-tests, and the coefficient of determination using SPSS version 25. The results show that auditor ethics, time budget pressure, independence, and accountability each have a positive and significant relationship with audit quality. Simultaneously, the four variables significantly explain audit quality, with an adjusted R-squared of 0.542. These findings indicate that audit quality is strengthened not by a single professional attribute, but by the combined role of ethical conduct, effective management of time constraints, objective judgment, and responsibility for audit outcomes. The study provides contextual evidence for strengthening internal government audit practices at the provincial inspectorate level.
Pengaruh Kualitas Produk, Customer Experience, dan Customer Engagement terhadap Loyalitas Pelanggan: Studi pada Anak Panah Kopi Pawiyatan Kota Semarang Kevin Hanif Prayoga; Ali Maskur
SANTRI : Jurnal Ekonomi dan Keuangan Islam Vol. 4 No. 4 (2026): Agustus: SANTRI : Jurnal Ekonomi dan Keuangan Islam
Publisher : Asosiasi Riset Ekonomi dan Akuntansi Indonesia

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.61132/santri.v4i4.2481

Abstract

The increasingly competitive Coffee Shop industry requires businesses not only to offer high-quality products but also to create memorable Customer Experiences and foster Customer Engagement to sustain customer loyalty. This study aims to examine the effects of product quality, Customer Experience, and Customer Engagement on customer loyalty at Anak Panah Kopi Pawiyatan, Semarang City. A quantitative research approach employing a survey method was adopted. The study population consisted of all customers of Anak Panah Kopi Pawiyatan, while a sample of 96 respondents was determined using the Lemeshow formula and selected through purposive sampling. Data were collected using a structured questionnaire with a five-point Likert scale and analyzed using multiple linear regression, supported by validity, reliability, F-test, coefficient of determination, and t-test analyses. The findings reveal that product quality, Customer Experience, and Customer Engagement simultaneously have a significant effect on customer loyalty. Partially, all three variables also exert positive and significant effects on customer loyalty, with Customer Engagement emerging as the most influential predictor. These findings indicate that customer loyalty is shaped not only by superior product quality and positive Customer Experiences but also by customers' emotional involvement and continuous interactions with the Coffee Shop. Therefore, Anak Panah Kopi Pawiyatan should maintain consistent product quality, enhance Customer Experiences, and strengthen Customer Engagement through interactive communication and community-based activities to foster long-term customer loyalty.
Pengaruh Social Media Marketing terhadap Purchase Decision dengan Brand Awareness sebagai Variabel Mediasi: Studi pada Konsumen TaraPhone Denpasar I Nyoman Arya Dipta Paramartha; I Gde Ketut Warmika
SANTRI : Jurnal Ekonomi dan Keuangan Islam Vol. 4 No. 4 (2026): Agustus: SANTRI : Jurnal Ekonomi dan Keuangan Islam
Publisher : Asosiasi Riset Ekonomi dan Akuntansi Indonesia

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.61132/santri.v4i4.2506

Abstract

The increasingly competitive smartphone retail industry requires companies to utilize social media marketing effectively in order to increase brand awareness and encourage consumer purchase decisions. The decline in sales at TaraPhone Denpasar indicates problems in the effectiveness of the digital marketing strategies implemented. This study aims to analyze the influence of social media marketing and brand awareness on purchase decision, as well as the role of brand awareness as a mediating variable among TaraPhone consumers in Denpasar. This study used a quantitative approach with a sample of 120 respondents selected using purposive sampling techniques. Data collection was carried out through questionnaires using a Likert scale. The data analysis techniques used include validity tests, reliability tests, classical assumption tests, path analysis, Sobel tests, and VAF tests with the help of the SPSS program. The results indicate that social media marketing has a positive and significant effect on both purchase decision and brand awareness. Brand awareness also has a positive and significant effect on purchase decision and is proven to mediate the relationship between social media marketing and purchase decision among TaraPhone consumers in Denpasar.
The Effect of Social media marketing on Purchase Decisions Through Brand Awareness as a Mediating Variable among Generation Z Consumers Muhyidin Muhyidin; Abdul Hafid; M. Mukhbir
SANTRI : Jurnal Ekonomi dan Keuangan Islam Vol. 3 No. 6 (2025): Desember : SANTRI : Jurnal Ekonomi dan Keuangan Islam
Publisher : Asosiasi Riset Ekonomi dan Akuntansi Indonesia

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.61132/santri.v3i6.2515

Abstract

This study aims to examine the effect of social media marketing on purchase decisions, both directly and indirectly through brand awareness, among Generation Z consumers in Pasuruan, East Java. A quantitative explanatory approach with a cross-sectional design was employed. Data were collected through questionnaires from 150 respondents selected using purposive sampling and analyzed using Partial Least Squares–Structural Equation Modeling with SmartPLS. The results demonstrate that social media marketing has a positive and significant effect on brand awareness and purchase decisions. Brand awareness also positively and significantly influences purchase decisions and acts as a complementary partial mediator in the relationship between social media marketing and purchase decisions. The indirect effect of social media marketing through brand awareness was greater than its direct effect, indicating that social media marketing is more effective in encouraging purchases when it first strengthens consumers’ recognition and recall of the brand. These findings imply that companies targeting Generation Z should develop informative, entertaining, interactive, relevant, and shareable content while consistently integrating clear brand identities. Social media performance should also be evaluated through brand awareness, conversion rates, sales, and repeat purchases rather than engagement indicators alone.
The Effects of Education Level and Accounting Understanding on SAK EMKM-Based Financial Record-Keeping among Tanjungmekar MSMEs Erna Nurhasanah; Yuliani Pratiwi
SANTRI : Jurnal Ekonomi dan Keuangan Islam Vol. 4 No. 4 (2026): Agustus: SANTRI : Jurnal Ekonomi dan Keuangan Islam
Publisher : Asosiasi Riset Ekonomi dan Akuntansi Indonesia

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.61132/santri.v4i4.2521

Abstract

Financial record-keeping among micro, small, and medium enterprises (MSMEs) remains an important issue because simple and inconsistent records can limit the usefulness of financial information for business decisions and access to financing. This study examines the effects of education level and accounting understanding on financial record-keeping practices based on the Financial Accounting Standards for Micro, Small, and Medium Entities (SAK EMKM) among MSMEs in Tanjungmekar Village. A quantitative causal-associative design was used. Data were collected from 68 MSME owners selected from a population of 217 business units using the Slovin formula and analyzed with multiple linear regression in SPSS. The results show that education level has a positive but statistically insignificant effect on SAK EMKM-based financial record-keeping (B = 4.281; p = 0.081). Accounting understanding has a positive and significant effect (B = 1.219; beta = 0.625; p < 0.001). Simultaneously, both predictors are significant (F = 35.551; p < 0.001) and explain 52.2% of the variance in financial record-keeping practices. These findings indicate that practical accounting competence is more decisive than formal education alone. Continuous, practice-oriented accounting training and mentoring are therefore recommended to strengthen MSME financial administration and SAK EMKM implementation.
Pengaruh Struktur Modal, Kepemilikan Asing, Kepemilikan Institusional dan Intellectual Capital terhadap Profitabilitas Perusahaan: Studi Empiris pada Perusahaan Sektor Energi yang Terdaftar pada Bursa Efek Indonesia Periode 2020-2024 Nurul Anfita; Puspita Rani
SANTRI : Jurnal Ekonomi dan Keuangan Islam Vol. 4 No. 4 (2026): Agustus: SANTRI : Jurnal Ekonomi dan Keuangan Islam
Publisher : Asosiasi Riset Ekonomi dan Akuntansi Indonesia

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.61132/santri.v4i4.2538

Abstract

This study aims to examine the effects of capital structure, foreign ownership, institutional ownership, and intellectual capital on the profitability of energy sector companies listed on the Indonesia Stock Exchange during the 2020–2024 period. Profitability is an important indicator for assessing a company’s ability to generate profits and reflects the effectiveness of managing its available resources. This study employed a quantitative approach using secondary data obtained from the financial statements and annual reports of energy sector companies listed on the Indonesia Stock Exchange during the observation period. The sampling technique used purposive sampling based on predetermined criteria, resulting in a sample of 53 companies. Data were analyzed using multiple linear regression analysis with the assistance of SPSS software version 26.0. The results showed that capital structure had a negative and significant effect on profitability. This indicates that increased use of debt-based capital structure can increase a company’s financial burden, thereby reducing profitability. Intellectual capital had a positive and significant effect on profitability, indicating that effective management of knowledge, competencies, and intellectual resources can enhance a company’s ability to generate profits. Meanwhile, foreign ownership and institutional ownership did not have significant effects on company profitability. These findings indicate that not all ownership structure mechanisms are capable of directly influencing improvements in the profitability of energy sector companies during the research period.
Peran Community Trust dalam Memediasi Pengaruh Brand Community Identification terhadap Consumer Brand Engagement: Studi pada Komunitas Pengguna Kawasaki KLX 150 di Tabanan Pande Putu Loka Samasta Dharma; Ni Made Asti Aksari
SANTRI : Jurnal Ekonomi dan Keuangan Islam Vol. 4 No. 4 (2026): Agustus: SANTRI : Jurnal Ekonomi dan Keuangan Islam
Publisher : Asosiasi Riset Ekonomi dan Akuntansi Indonesia

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.61132/santri.v4i4.2542

Abstract

This study aims to analyze the influence of brand community identification on consumer brand engagement, with community trust serving as a mediating variable, among members of the Kawasaki KLX 150 Users Community in Tabanan. This research is motivated by the increasing number of community members and participation in community activities, which has not been accompanied by equal levels of member engagement across various community activities. The study employs a quantitative approach with a causal associative research design. Data were collected through questionnaires distributed to members of the Kawasaki KLX 150 Users Community in Tabanan and analyzed using the Partial Least Squares (PLS) method.The results indicate that brand community identification has a positive and significant effect on both consumer brand engagement and community trust. Furthermore, community trust has a positive and significant effect on consumer brand engagement. The mediation analysis reveals that community trust positively and significantly mediates the relationship between brand community identification and consumer brand engagement. These findings suggest that stronger member identification with the community leads to higher levels of trust within the community, which in turn enhances members’ engagement with the brand. Therefore, community managers should strengthen the community’s identity and foster trust among members to create higher and more sustainable member engagement.

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