cover
Contact Name
Dzikrulloh
Contact Email
dzikrulloh@trunojoyo.ac.id
Phone
+62817772001
Journal Mail Official
dinarjurnal@gmail.com
Editorial Address
Jl. Raya Telang PO. BOX. 2 Kamal Bangkalan Madura
Location
Kab. bangkalan,
Jawa timur
INDONESIA
Dinar: Jurnal Ekonomi dan Keuangan Islam
ISSN : 24609889     EISSN : 25803565     DOI : https://doi.org/10.21107/dinar
Core Subject : Religion, Social,
Dinar adalah jurnal ilmiah yang diterbitkan oleh Jurusan Ekonomi dan Keuangan Islam Universitas Trunojoyo Madura. Terbit pertama kali Agustus 2015. Jurnal ini memfokuskan pada kajian Ekonomi Islam dalam berbagai sudut pandang keilmuan. Redaksi mengundang para ahli dan segenap sivitas akademika untuk menulis artikel sesuai dengan tema besar jurnal ini. Artikel yang dimuat tidak selalu mencerminkan redaksi ataupun institusi lain terkait dengan penerbitan jurnal.
Articles 5 Documents
Search results for , issue "Vol 13, No 1: Januari 2026" : 5 Documents clear
The Effect of Promotion Costs, Financing Amount, and Third-Party Funds on Market Share at Pt Bank Syariah Indonesia Afifa, Adinda; Maidalena, Maidalena; Nasution, Juliana
Dinar : Jurnal Ekonomi dan Keuangan Islam Vol 13, No 1: Januari 2026
Publisher : Universitas Trunojoyo Madura

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.21107/dinar.v13i1.33737

Abstract

This study aims to analyze the effect of promotional costs, financing amounts, and third-party funds (DPK) on the market share of PT Bank Syariah Indonesia Tbk (BSI). The study uses a quantitative approach with multiple linear regression methods. The data used are secondary data in the form of BSI's quarterly and annual financial reports obtained from official publications of Bank Syariah Indonesia and the Financial Services Authority (OJK). Data processing and analysis were carried out using IBM SPSS version 25 through classical assumption tests, regression tests, and partial and simultaneous hypothesis tests. The results show that promotional costs have a negative and significant effect on market share, indicating that the increase in the promotional budget has not been followed by optimal marketing strategy effectiveness. The amount of financing has a positive and significant effect on market share, so that financing is the main factor in expanding BSI's market share. Meanwhile, third-party funds (DPK) have a negative and insignificant effect on market share, indicating that the increase in DPK plays a more important role in maintaining liquidity than market expansion. Simultaneously, all three variables have a significant effect on market share with a coefficient of determination of 39.8%. These findings provide important implications for BSI management in formulating promotional strategies and financing optimization to strengthen the market position of Islamic banking.
THE INFLUENCE OF FINANCIAL LITERACY AND FINANCIAL SELF-EFFICACY ON FINANCIAL MANAGEMENT BEHAVIOR OF GENERATION Z IN MEDAN CITY Damanik, Farida Syah; Nurwani, Nurwani; Indra, Ahmad Perdana
Dinar : Jurnal Ekonomi dan Keuangan Islam Vol 13, No 1: Januari 2026
Publisher : Universitas Trunojoyo Madura

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.21107/dinar.v13i1.34170

Abstract

This study aims to analyze the influence of financial literacy and financial self-efficacy on financial management behavior among Generation Z in Medan City, both partially and simultaneously. The population in this study was all Generation Z in Medan City. The study used a quantitative approach with data collection techniques through distributing questionnaires. A sample of 100 respondents was selected using an accidental sampling technique. Data analysis was carried out using multiple linear regression through stages of validity, reliability, classical assumptions, t-test, F-test, and coefficient of determination. The results showed that financial literacy and financial self-efficacy have a positive and significant effect on financial management behavior, both partially and simultaneously. These findings indicate that increasing financial literacy and an individual's self-confidence in their ability to manage finances play an important role in shaping better financial behavior in the younger generation.
Examining the Effects of Work Discipline and Employee Loyalty on Employee Performance: A Quantitative Study in Indonesia Azwir, Padlan Syafrin; Syahriza, Rahmi; Nurbaiti, Nurbaiti
Dinar : Jurnal Ekonomi dan Keuangan Islam Vol 13, No 1: Januari 2026
Publisher : Universitas Trunojoyo Madura

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.21107/dinar.v13i1.34007

Abstract

This study aims to examine the effects of work discipline and employee loyalty on employee performance at PT Media Swara Prima Rantau Prapat. The study employs a quantitative approach with a causal associative research design. The population consists of all employees of the company, totaling 36 individuals. Data were collected through questionnaire distribution. Data analysis techniques include validity and reliability tests, classical assumption tests, and multiple linear regression analysis. Hypothesis testing was conducted using the t-test (partial), F-test (simultaneous), and coefficient of determination (R²).The results indicate that work discipline has a positive and significant effect on employee performance. Employee loyalty also shows a positive and significant effect on employee performance. Simultaneously, work discipline and employee loyalty have a positive and significant impact on employee performance. The coefficient of determination reveals that these two variables explain 59.6% of the variance in employee performance, while the remaining proportion is influenced by other variables outside the research model.These findings highlight the important role of work discipline and employee loyalty in improving employee performance at PT Media Swara Prima Rantau Prapat.
Religiosity, Halal Lifestyle, and Digital Consumption: Evidence from the Use of Shopee Barokah among Islamic Economics Students hamdini nasution, julia; Nurlaila, Nurlaila; Juliati Nasution, Yenni Samri
Dinar : Jurnal Ekonomi dan Keuangan Islam Vol 13, No 1: Januari 2026
Publisher : Universitas Trunojoyo Madura

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.21107/dinar.v13i1.34125

Abstract

This study aims to examine students’ perceptions of the use of Shopee Barokah in relation to religiosity and halal lifestyle among students of the Faculty of Islamic Economics and Business (FEBI). The research adopts a qualitative descriptive approach to explore how digital platform features influence religious values and consumption behavior. Data were collected through in-depth observations and responses from students with varying levels of engagement with Shopee Barokah.The findings indicate that students who use Shopee Barokah experience greater ease in accessing Islamic-related information, such as prayer schedules, Islamic calendars, and religious content, which supports the integration of religious values into their consumption activities. The platform also enhances students’ awareness of the importance of selecting halal products and avoiding financial transactions that contradict Islamic principles, such as interest-based PayLater services. Meanwhile, students who have not utilized Shopee Barokah tend to have limited information regarding its features and benefits, although they still attempt to maintain halal principles in their daily consumption practices.This study concludes that the use of Shopee Barokah contributes positively to promoting a halal lifestyle and strengthening students’ religiosity in digital consumption. The findings provide insights for the development of value-oriented digital platforms and offer practical considerations for students in selecting consumption services aligned with Islamic principles.
Role of Halal Digital Ecosystem and Msmes Strengthening in Jepara Toward Sustainable Economy in Industry 4.0 Nada, Niswatin; Sukardi, Agung Slamet
Dinar : Jurnal Ekonomi dan Keuangan Islam Vol 13, No 1: Januari 2026
Publisher : Universitas Trunojoyo Madura

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.21107/dinar.v13i1.33631

Abstract

This study examines the low level of digital literacy and limited understanding of halal certification among MSMEs in Jepara Regency and how this affects their ability to effectively utilizehalal certification in the digital era. This issue is highlighted by the low level of knowledge and use of halal certification among MSMEs in Jepara, both in understanding the certification process and in using it as a business development strategy.   The findings indicate that government initiatives to promote digital transformation and halal certification have not yet been fully effective due to limited digital skills, inadequate human resources, and continued reliance on manual processes. Advances in Industry 4.0 technology and digital marketing have created opportunities for small and medium sized enterprises (SMEs) to increase their competitiveness and expand their market reach however, in practice, small businesses still face several challenges, particularly limited business funding, high halal certification costs, and difficulties in product packaging. The study also shows that collaboration among public institutions, certification facilitators, cooperatives, and MSMEs actors has strong potential to build an integrated digital halal ecosystem that supports business sustainability and regional economic development. This research provides a conceptual framework linking digital capability, certification readiness, and institutional collaboration as key drivers of MSMEs competitiveness. This framework provides a practical contribution to Jepara Regency in developing a digital based halal ecosystem strengthening strategy to enhance MSMEs competitiveness and market access.

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