Al Dzahab

PENGARUH KUALITAS PELAYANAN, KELENGKAPAN PRODUK DAN LOKASI TERHADAP KEPUTUSAN PEMBELIAN KONSUMEN

Agustina Mutia — 2024-09-17

Purpose: This research aims to determine and analyze the influence of service quality, product completeness, and location on purchasing decisions.

Design/Methodology/Approach: The method used is a quantitative method with data analysis, namely the Determinant Coefficient Test.

Findings: The research results show that service quality, product completeness, and location have a positive and significant effect on purchasing decisions.

Research Implications: The results of calculating the coefficient of determination show that the variables of service quality, product completeness and location are 39% and the remaining 61% are influenced by other variables outside this research.

FINANCIAL INCLUSION (FI): KINERJA UMKM DI INDONESIA DARI PUBLISH OR PERISH

Eeng Jeprianto — 2024-09-17

Purpose: This study aims to analyze the financial inclusion of Micro, Small, and Medium Enterprises (MSMEs) that are currently supporting economic growth in Indonesia.

Design/Methodology/Approach: Systematic Literature Review (SLR) is a method in this observation by reviewing certain topics of discussion that focus on specific problems that have been identified and classified in a structured manner, assessed, concluded, and selected based on previously determined benchmarks based on evidence and facts from quality research that is relevant to the research question. Research data was obtained from Google Scholar for the period 2011-2022 based on the initial search, there were 198 articles, and only 25 articles were used as data sources and will be studied in more depth.

Findings: The results of the research show that through investment diversification, risk management, and wise financial planning, individuals and companies can reduce the negative impact of economic impacts and maintain their financial stability.

Research Implications: Insulation can help MSMEs protect their businesses from market shocks, interest rate changes, or other external impacts that can be detrimental. Financial inclusion after the economic crisis that occurred in 2008 hurt financial stability in Indonesia.

JAMINAN INDUSTRI HALAL DI NEGARA SINGAPURA DAN TAIWAN

Syaira Anatasha — 2024-09-17

Purpose: This study examines and compares the halal assurance processes in Indonesia, Taiwan, and Singapore. In addition, this study aims to assess the consequences of each system on the growth of the halal sector on a global and regional scale.

Design/Methodology/Approach: This research utilises a comparative case study methodology with a qualitative approach. Through the investigation of official documents, data was collected. Regulations, certification requirements, and industry reports from each country were analyzed in the documents. Manufacturers, customers, and representatives from halal certification authorities were interviewed. To gain a first-hand understanding of the certification process and the application of regulations, field observations were also conducted.

Findings: The findings show that Singapore, Taiwan, and Indonesia have different strategies for implementing halal assurance. Majlis Ugama Islam Singapura (MUIS) in Singapore operates a rigorous and globally renowned certification program. Taiwan concentrates on food and cosmetic products through the Taiwan Halal Integrity Development Association (THIDA). With the support of the world's largest Muslim community, Indonesia, the Halal Product Guarantee Agency (BPJPH), has established a comprehensive and integrated system. These different strategies affect the efficacy of halal products and consumer confidence in each country.

Research Implications: The results of this study show how harmonization of international halal certification and standards can improve consumer confidence and increase international trade in halal goods. In addition, by incorporating best practices from other countries, policymakers and industry players can improve their halal assurance systems with the help of this study. This harmonization can guarantee more reliable halal products to Muslim consumers around the world and improve the global halal market position.

ADAPTATION OF MSME BUSINESS ACTORS TO SHARIA DIGITAL FINANCE

Zahiroh Jannatul Ma’wa — 2024-09-17

Purpose: The purpose of this study is to identify how micro, small and medium enterprises "Cuan Store" adapt to using Sharia Digital Finance in their business operations.

Design/Methodology/Approach: This research used a descriptive approach along with a qualitative data analysis approach in this study, data collection using interview techniques, observation and literature study.

Findings: The results of this study that micro, small and medium enterprises "Cuan Store" have successfully adapted in applying sharia digital finance as a medium in running their business, then the factor of using sharia digital finance in micro, small and medium enterprises is very significant because many "Cuan Store" customers have used sharia digital finance as a payment transaction, as for the impact on the use of sharia digital finance has a positive influence on micro, small and medium enterprises "Cuan Store".

Research Implications: The existence of sharia digital services encourages micro, small and medium enterprises to continue learning about sharia principles. Due to the fact that many customers of "Cuan Store" have used Islamic digital finance as a way of payment, the factor of using Islamic digital finance on micro, small and medium enterprises is very significant. In addition, the effect of using Islamic digital finance has a positive impact on the micro, small and medium enterprises of "Cuan Store", because the existence of Islamic digital services encourages micro, small and medium enterprises to continue learning about sharia principles.

THE INFLUENCE OF GENERATION Z CONSUMER BEHAVIOR TO USE OF THE DELIVERY FOOD SERVICE APPLICATION (SHOPEEFOOD)

Putri Wulandari — 2024-09-17

Purpose: This research aims to analyze the influence of Generation Z consumer behavior in using food delivery service applications, with a focus on Shopee Food. The research background reflects technological and information developments that influence Generation Z's consumption patterns, especially in the context of food delivery services.

Design/Methodology/Approach: The sample used was 100 people from generation Z in Samarinda City. This research uses a quantitative approach with data collection techniques in the form of questionnaires given to 100 Generation Z respondents who use the Shopee Food application. Data analysis was carried out using statistical methods to identify the influence of consumer behavior, ease of use of the application, and Shopee Food's marketing strategy on consumer purchasing decisions.

Findings: The research results show that there is a significant influence between Generation Z consumer behavior in using Shopee Food, the ease of use of the application, and marketing strategies on purchasing decisions. These factors together shape Generation Z consumers' behavior in choosing food delivery services.

Research Implications: These results provide deep insight into the dynamics of Generation Z consumer behavior in the digital era, with important implications for developing marketing strategies and managing food delivery services in the future.

KONSEP DAN PERKEMBANGAN EKONOMI ISLAM PADA MASA TURKI USMANI

Zariatul Khisan — 2024-09-17

Purpose: The purpose of this study is to analyze the development of the Islamic economy during the Ottoman Empire.

Design/methodology/approach: The research method used in this research is library research. The data used is secondary data obtained from relevant sources, books, journals and so on.

Findings: Ottoman Türkiye paid more attention to progress in the political and military fields. In this way, economic and financial conditions contributed to the development of Islam in the Ottoman Empire. Islamic economics during the Ottoman Empire reflected the integration of Islamic economic principles with practical economic practices and effective administration. So, according to researchers of the Ottoman Empire, it is very interesting to study in order to find out how the concept and development of Islamic economics was during the Ottoman Empire.

Research implications: The implications of the development of the Islamic economy during the Ottoman Empire include:Expansion of Trade Networks: The Ottoman Empire's strategic location bridged East and West, facilitating extensive trade networks that promoted economic growth and cultural exchange.

PENGARUH INFLASI DAN TINGKAT SUKU BUNGA TERHADAP PEMBIAYAAN PADA BANK SYARIAH DI KOTA BANJARMASIN

Verina Ayustri Alni — 2024-09-17

Purpose: This study aims to determine the effect of inflation and interest rates on financing at Islamic banks in Banjarmasin city.

Design/methodology/approach: This research uses quantitative methods. The data used is secondary data and time series. Data sourced from the pages of Bank Indonesia, the Financial Services Authority (OJK), the Central Statistics Agency (BPS) and data from Islamic Commercial Banks which are the objects of this study in the period 2014 to 2023.

Findings: Based on the results of statistical data processing, the results of this study indicate that the value of Sig. Inflation variable (X1), amounting to 0.993> 0.05 and the tcount value of 0.009 < 2.571. Sig value. Interest Rate Variable (X2) is 0.066> 0.05 and the tcount value is -2.571 < 2.571. The results of this study indicate that simultaneously the inflation and interest rate variables affect financing at Islamic banks in Banjarmasin City. This can be proven by the value of Fcount 2.825 > Ftable 4.45.

Research implications: Based on the research results, it is known that although inflation and interest rates have no effect on financing in Islamic banks, the government must remain effective in controlling macroeconomic activities to maintain the stability of inflation and interest rates, so that economic stability can be guaranteed.