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Studia Economica: Jurnal Ekonomi Islam
Published by Universitas Islam Negeri Sumatera Utara
ISSN : 23032618     EISSN : 28094964     DOI : 10.30821/se.v8i2
Core Subject : Religion, Economy, Social,
Religion Economics, Econometrics & Finance Social Sciences
Aims and Scope Aims STUDIA ECONOMICA is a peer-reviewed journal that aims to advance islamic economies in emerging markets, namely economies in emerging countries and economies in emerging areas in developed countries. Scope The scope of STUDIA ECONOMICA are but strictly limited to: islamic economics; islamic banking and finance; islamic economic management; islamic economics law; management Zakat, Infaq, Shodaqoh, and Waqf; islamic entrepreneurship and business; islamic economics thought; islamic capital market
Arjuna Subject : Ilmu Ekonomi, Ekonometrika dan Keuangan (semua kategori) - Ilmu Ekonomi, Ekonometrika dan Keuangan (Lain-Lain)
Articles 10 Documents
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Search results for , issue "STUDIA ECONOMICA: Jurnal Ekonomi Islam | Vol. 11 | No. 1 | 2025" : 10 Documents clear
Pengaruh Metode Pembayaran COD Terhadap Keputusan Pembelian Mahasiswa Pada Aplikasi Shopee Nur, Saidah; Hakim, Andy; Fitri, Sari
Studia Economica : Jurnal Ekonomi Islam STUDIA ECONOMICA: Jurnal Ekonomi Islam | Vol. 11 | No. 1 | 2025
Publisher : Universitas Islam Negeri Sumatera Utara

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.30821/se.v0i1.21588

Abstract

The aim of the research is to analyze the influence of the COD payment method variable on students purchasing decision variables on the Shopee platform. This research used a quantitative approach involving 75 respondents. Primary data was collected through questionnaires and analyzed statistically using SPSS 25 software. The results of this study show that the Cash On Delivery (COD) payment method influences the purchasing decisions of STAIN Mandailing Natal sharia business management students with a value of tcount = 8.721, ttable = 1.293 and sig = 0.000 at a significant  level of 0.1. So, 0.000 < 0.1 and 8.721 > 1.293 means Ha is accepted and H0 is rejected. The Cash On Delivery (COD) payment method has a variable influence of 51% on purchase decisions, with a coefficient of determination (R2) of 0.510. Other factors not included in this study influence the remaining 49%. Based on the analysis findings, the decision of STAIN Mandailing Natal sharia business management students to buy at the Shopee Marketplace was influenced by the Cash On Delivery (COD) payment option
Mengukur Tingkat Pertumbuhan Badan Layanan Umum (BLU) Dengan Alat Penilaian Dan Evaluasi Maturity Rating Lisalam, Repa Hudan; Hibatullah, Ilham; Ardiani, Mila Ayu; Winarni, Jesi; Sanawi, Sanawi; Aguspriyani, Yani; Taufik Darmawansyah, Trisna
Studia Economica : Jurnal Ekonomi Islam STUDIA ECONOMICA: Jurnal Ekonomi Islam | Vol. 11 | No. 1 | 2025
Publisher : Universitas Islam Negeri Sumatera Utara

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.30821/se.v0i1.23483

Abstract

This study explains how to Measure the Growth Rate of Public Service Agencies (BLU) from the Financial Aspect within a five-year period. The method used in this study is a quantitative method by analyzing the annual financial reports of Public Service Agencies (BLU). The object of this study is the Public Service Agency (BLU) of the education cluster, namely BLU UIN Sultan Maulana Hasanuddin Banten. The results of the study conducted at BLU UIN SMH Banten showed a very good liquidity aspect in terms of the current ratio. While the liquidity aspect of the cash optimization ratio is still low. The BLU Efficiency Aspect refers to the ratio of Operating Income to Operating Expenses (POBO), based on the results of calculations processed from the financial statements of BLU UIN Sultan Maulana Hasanuddin Banten from 2017 to 2022, there is no POBO value that reaches the target (90%). The BLU effectiveness indicator refers to Return On Asset (ROA) and Return on Equity (ROE), the target for each ratio is 9% and has generally been met. The level of independence generally shows a downward trend. Recommendations for finding short-term investment instruments with higher returns. Increasing Efficiency by reducing the burden of official travel. Managing Campus Assets optimally to increase the level of BLU independence. The analysis used is a combination of Financial Report Trend Analysis and Maturity Rating Assessment Tools and Evaluation Version 1.0.
Parmalim Religious Community's Interest in Sharia Bank: Parmalim Religious Community's Understanding of Interest Busyro, Wahyi; Yuniarti, Loura
Studia Economica : Jurnal Ekonomi Islam STUDIA ECONOMICA: Jurnal Ekonomi Islam | Vol. 11 | No. 1 | 2025
Publisher : Universitas Islam Negeri Sumatera Utara

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.30821/se.v0i1.21495

Abstract

Indonesia has diverse cultures and religions. Religious diversity officially recognized by the government is Islam, Protestant Christianity, Catholicism, Buddhism, Hinduism, and Confucianism. Interest, which is compensation, is offered by the bank. This ban on bank interest practices is not only prohibited by Islam, but also by other religions. Teach Parmalim religion that doing ipubbaani or making money or goods is considered illegal or forbidden. This research aims to examine how Parmalim religious people understand bank interest and interest in Sharia banks. This research methodology is quantitative which has a population of 150 family heads (KK) located in the city of Pekanbaru. The sample used by 83 respondents using Isaac and Michael's sample formula. This data analysis uses a simple linear regression analysis conducted with the SPSS version 24 application. This research uses understanding as variable X and interest as variable Y The findings of this study show that Parmalim's understanding of variable interest has a significant and positive effect on their interest in Sharia banking. This is demonstrated by a count value (2.319) exceeding the t table (1.990) and a significant value less than 0.05. The results of the R Square test were obtained by a determination coefficient of R2 of 0.62, which showed that the understanding of the interest of Parmalim religious people had an effect of 6.2% on the interest of variable Sharia banking
Kemampuan Organizational Citizenship Behavior dalam Memoderasi pengaruh Employee Engagement dan Islamic Work Ethic terhadap Kinerja Karyawan Sativa, Titania Oryza
Studia Economica : Jurnal Ekonomi Islam STUDIA ECONOMICA: Jurnal Ekonomi Islam | Vol. 11 | No. 1 | 2025
Publisher : Universitas Islam Negeri Sumatera Utara

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.30821/se.v0i1.22698

Abstract

This study aims to determine how strong the influence of Organizational Citizenship Behavior (OCB) in Moderating the Effect of Employee Engagement and Islamic Work Ethics on Employee Performance of PT Sekolah Haji dan Umrah (SHU) Baitullah Central Java. In this study, a quantitative method was used using a questionnaire to 53 respondents who were permanent employees at all branches of PT Sekolah Haji dan Umrah (SHU) Baitullah Central Java using saturated sampling technique. Furthermore, the data that has been collected is then processed using the SPSS version 25 test tool. The test analysis used includes instrument test, classical assumption test, hypothesis testing and MRA (Moderated Regression Analysis) test. Based on the tests that have been carried out, the research results are obtained: 1) Employee engagement has a negative and significant effect on employee performance. 2) Islamic work ethics has a positive and significant effect on employee performance. 3) Organizational citizenship behavior is not able to moderate the effect of employee engagement on employee performance. 4) Organizational citizenship behavior is able to moderate the effect of Islamic work ethics on employee performance
Optimalisasi Peran Pendamping Pph Halal Center Uin Saizu Dalam Sertifikasi Halal Dan Pengembangan Ekosistem Halal Banyumas Amri, Miftaakhul
Studia Economica : Jurnal Ekonomi Islam STUDIA ECONOMICA: Jurnal Ekonomi Islam | Vol. 11 | No. 1 | 2025
Publisher : Universitas Islam Negeri Sumatera Utara

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.30821/se.v0i1.21891

Abstract

The purpose of this study is to analyze the optimization of the role of PPH Companions in the halal self-declare certification process and the development of the halal ecosystem in Banyumas. The research method used in this study is field research. This study uses a qualitative approach to case studies. This research conducted interviews with Halal Product Assistants and MSEs, meaning that researchers carefully, thoroughly and deeply know the role of PPH Companions in the halal self-declare certification process and the development of the halal ecosystem in Banyumas. The results of this study indicate that the PPH Halal Center UIN SAIZU Companions have assisted many MSEs in submitting halal certification applications, which in the assistance process have been in accordance with the established procedures. There are several opportunities obtained from the assistance process, but there are still several obstacles in it. With this optimization effort, it is hoped that it can resolve the obstacles faced so that assistance for MSEs in submitting halal certificates in Banyumas becomes more optimal so that it can develop the halal ecosystem in Banyumas
From Satisfaction to Loyalty: Analyzing the Impact of Service Quality and Corporate Image in Islamic Banking Hidayati, Risqi Putri; Widowati, Mustika; Windawati, Atif
Studia Economica : Jurnal Ekonomi Islam STUDIA ECONOMICA: Jurnal Ekonomi Islam | Vol. 11 | No. 1 | 2025
Publisher : Universitas Islam Negeri Sumatera Utara

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.30821/se.v0i1.23508

Abstract

This study aims to analyze the relationship between service quality, corporate image, customer satisfaction, and customer loyalty at Bank Syariah Indonesia (BSI) in Semarang, with customer satisfaction serving as an intervening variable. The study employs a quantitative approach using a survey method, involving 100 respondents selected through purposive sampling. Primary data were collected using questionnaires and analyzed through Structural Equation Modeling (SEM), including inner and outer model evaluations. The findings indicate that service quality has a significant effect on customer loyalty, whereas corporate image does not significantly influence loyalty. Furthermore, customer satisfaction successfully mediates the relationship between service quality and customer loyalty but does not mediate the relationship between corporate image and loyalty. These findings highlight that improving service quality plays a crucial role in enhancing customer satisfaction, ultimately strengthening customer loyalty. Therefore, BSI in Semarang must focus on optimizing service quality to improve customer experience and ensure long-term customer loyalty to the Islamic bank
Dampak Program Zakat Community Development (ZCD) Di Kelompok Penggemukan Sapi Ternak Mekar Samarinda Nahdiah, Nahdiah; Mursyid, Mursyid; Nasir, Muhammad
Studia Economica : Jurnal Ekonomi Islam STUDIA ECONOMICA: Jurnal Ekonomi Islam | Vol. 11 | No. 1 | 2025
Publisher : Universitas Islam Negeri Sumatera Utara

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.30821/se.v0i1.23210

Abstract

This study aims to trace the impact of the Zakat Community Development (ZCD) program run by BAZNAS East Kalimantan Province using a sustainable livelihood impact assessment (SLIA) which looks at 5 assets, namely natural assets, human assets, financial assets, social assets, and physical assets. This research uses a qualitative method using case studies. The data obtained from this study was through interviews and observations with BAZNAS employees of East Kalimantan Province and the Chairman of the Mekar Cattle Fattening Group as mustahik. The results of this study show that the management and utilization of natural assets in the Mekar Cattle Fattening Group has been carried out well and has an impact on the fertility of the surrounding environment. Likewise, the utilization of human, financial, social, and physical assets has increased from this group after receiving assistance from the zakat community development program, the increase in financial assets can be seen from the increase in cattle sales from this group, and the development of other businesses carried out by the group's members. The social asset is the contribution from the group to the community such as infaq, the contribution of road repairs in their area. The physical assets of this group can also be said to increase with the increase in the number of stables, besides that members of this group can also increase the ownership of personal belongings from the sale of cattle
Pengaruh Tren, Gaya Hidup Berbelanja dan Harga Diskon terhadap Pembelian Impulsif Fashion Halal Safitri, Mila; Farida, Ida; Darwis, Rahma Hidayati
Studia Economica : Jurnal Ekonomi Islam STUDIA ECONOMICA: Jurnal Ekonomi Islam | Vol. 11 | No. 1 | 2025
Publisher : Universitas Islam Negeri Sumatera Utara

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.30821/se.v0i1.23589

Abstract

This study aims to help understand how trends, shopping lifestyles and discount prices can influence impulse buying decisions of halal fashion users in the context of young Muslim consumers who are increasingly exposed to global trends and easy access to information, especially among FEBI IAIN Bone students who have not been widely discussed in previous studies. This research is a descriptive study using quantitative methods. Purposive Sampling is the sampling technique used, for the number of samples in this study took as many as 100 respondents who were used as research samples based on the results of the calculation of the slovin formula used. Structural Equation Modeling (SEM) is a component-based data analysis technique that utilizes Partial Least Squares (PLS) analysis tools. The results of this study prove that trends have a significant effect on impulse purchases of halal fashion as indicated by a T-Statistic of 2.987 > 1.96 and a p-value of 0.003 < 0.05. Shopping lifestyle has a significant effect on impulse purchases of halal fashion, as indicated by a T-Statistic of 2.242 > 1.96 and a p-value of 0.025, Discount prices have a significant effect on impulse purchases of halal fashion, as indicated by a T-Statistic of 1.972 > 1.96 and a p-value of 0.049 < 0.05
QRIS: Solusi Pembayaran Digital di Bank Syariah Indonesia untuk UMKM Elisa, Ema; Zulinda, Nia
Studia Economica : Jurnal Ekonomi Islam STUDIA ECONOMICA: Jurnal Ekonomi Islam | Vol. 11 | No. 1 | 2025
Publisher : Universitas Islam Negeri Sumatera Utara

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.30821/se.v0i1.23485

Abstract

This study aims to analyze the role of the Quick Response Code Indonesian Standard (QRIS) as a digital payment solution at Bank Syariah Indonesia (BSI) in enhancing convenience, security, efficiency, and customer satisfaction in transactions for Micro, Small, and Medium Enterprises (MSMEs) in Pontianak, West Kalimantan. A qualitative approach with a descriptive design was employed, utilizing data collected through in-depth interviews, participatory observations, and open-ended questionnaires distributed to MSME customers actively using QRIS at BSI. The findings revealed that QRIS significantly simplifies transaction processes for MSME entrepreneurs, reduces queuing time, and minimizes the risk of transaction errors. Additionally, QRIS enhanced customer data protection through data encryption and dual authentication, aligning with Sharia principles that emphasize security and fairness. Furthermore, the adoption of QRIS has proven to lower the high operational costs associated with conventional transactions, thereby improving business efficiency and MSME productivity. The ease of use, transaction security, and efficiency provided by QRIS not only enhanced user convenience but also strengthen customer trust in Islamic banking services. Overall, this study confirms that QRIS is effective in supporting the growth and sustainability of MSMEs in Indonesia while promoting broader Islamic financial inclusion by upholding values of transparency and fairness
Contribution Cash Waqf Linked Sukuk in Community Welfare: Bibliometric Study and Perspective of Islamic Economics Academics Murat, Nur Atiqah Maulad; Jannah, Nurul
Studia Economica : Jurnal Ekonomi Islam STUDIA ECONOMICA: Jurnal Ekonomi Islam | Vol. 11 | No. 1 | 2025
Publisher : Universitas Islam Negeri Sumatera Utara

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.30821/se.v0i1.23493

Abstract

The purpose of this paper is to map the research theme that will answer how much the contribution of cash waqf linked sukuk is in the welfare of the community, besides that this paper also looks from an academic perspective. The method in this research is descriptive qualitative method with the type of literature study research, content analysis using FGD method as a complement to this research. So, the results of this paper show that based on the mapping of the literature paper above, it can be seen that this cash waqf linked sukuk has a major contribution to the welfare of the community, the returns from this CWLS fund can be used for educational scholarships, health service development, infrastructure development, and so on. In addition, academics also agree that waqf instruments have a major contribution to the country's economic development, so academics hope that this waqf instrument can be socialized and educated to the public in a massive way

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