Jurnal Ekonomi Syariah Pelita Bangsa

Pengaruh Brand Awareness, Sertifikasi Halal, Dan Social Media Influencer Terhadap Keputusan Pembelian Konsumen Muslim Reddog Cabang Delipark Mall Medan

Oka Sutansyah Ariara Siregar, Ahmad Kholil — Sat, 11 Apr 2026 07:26:26 +0000

This research was conducted to determine the influence of Brand awareness, halal certification, and social media influencers on the purchasing decisions of Muslim consumers at the Reddog Delipark Mall Medan branch. The sample used in this study consisted of 100 respondents, namely Muslim consumers of Reddog Delipark Mall Medan, and questionnaires were used as primary data. The questionnaire data collection technique is evaluated using a Likert scale, validity test, and reliability test. The results of the partial test showed that the Brand awareness variable had a positive and significant partial effect with a significance level of 0.000, the halal certification variable had a positive and significant partial effect with a significance level of 0.027, and the social media influencer variable had a positive and significant partial effect with a significance level of 0.000 on Muslim consumer purchasing decisions for Reddog. Simultaneously, the Brand awareness, halal certification, and social media influencer variables had a positive and significant effect on Muslim consumer purchasing decisions for Reddog Delipark Mall Medan branch with a significance level of 0.000.

Pengaruh Media Sosial, Pembelian Impulsif, Dan Literasi Keuangan Syariah Terhadap Keputusan Penggunaan Shopee Paylater Pada Mahasiswa Muslim Jurusan Akuntansi di Politeknik Negeri Medan

Zalfa Sasqia Amanda, Supaino, Nurlinda, Diena Fadhilah, Rahmadani — Sat, 11 Apr 2026 09:41:17 +0000

This research looks at how social media, impulse buying, and knowledge about Islamic finance affect the choice to use Shopee PayLater among Muslim students studying Accounting at Medan State Polytechnic. The study used a quantitative approach with 100 participants chosen on purpose. Information was collected using a Likert scale survey and then analyzed with tests to check for validity and reliability, along with classical assumption tests for normality, heteroscedasticity, and multicollinearity. The findings revealed that individually, social media, impulse buying, and Islamic financial knowledge each had a positive and significant impact on the choice to use Shopee PayLater. Together, these three factors also showed a significant effect. This means that how much students engage with digital media, their tendency to buy things on impulse, and their understanding of Islamic finance play important roles in their decisions about using PayLater services.

Pengaruh Literasi Keuangan Syariah, Kemudahan, Dan Kepercayaan Terhadap Minat Mahasiswa Keuangan Dan Perbankan Syariah Politeknik Negeri Medan Menggunakan Byond by BSI

Putri Hadi Utami, Diena Fadhilah, Marlya Fatira, Rahmadani, Muhammad Zuardi — Sat, 11 Apr 2026 10:14:16 +0000

This study examines the interest of students of the Islamic Finance and Banking Study Program at Medan State Polytechnic in using BYOND by BSI. There are three independent variables in this study: Islamic financial literacy, convenience, and trust; the dependent variable is interest. Normality, heteroscedasticity, multicollinearity, and autocorrelation tests are prerequisite tests. The results of the partial test indicate that the Islamic financial literacy variable partially has a moderate and significant positive effect on interest in using BYOND by BSI with a significance level of 0.022, the convenience variable partially has a strong positive effect on interest in using BYOND by BSI with a significance level of 0.054, and the trust variable partially has a very strong and significant positive effect on interest in using BYOND by BSI with a significance level of 0.000. With a significance level of 0.000, the interest of students in the Islamic Finance and Banking Study Program at the Medan State Polytechnic is positively and significantly influenced by the variables of Islamic financial literacy, ease, and trust in using BYOND by BSI.

Analisis Konsep Sistem Operasional Landasan Hukum Dan Jenis Lembaga Jasa Keuangan Khusus di Indonesia

Gamal Fadilah, Eka Widiya Fradinda, M. Sakhi Awwah — Sat, 11 Apr 2026 12:59:53 +0000

The study aims to explain the basic concept of LJKK, its differences from conventional financial institutions, its operational systems, and the legal framework governing its activities. The research method uses a descriptive approach through literature review enriched by field observations and interviews with PNM. The results indicate that PNM plays a strategic role in empowering micro-enterprises, particularly underprivileged women, through collateral-free financing, group mechanisms, and business mentoring. PNM's operations are also supported by digital risk assessment (CCM) technology and intensive post-disbursement field supervision. The legal analysis reveals several regulatory gaps, particularly regarding the legality of joint liability mechanisms, algorithmic accountability, and consumer protection for vulnerable groups. Overall, the empirical findings on PNM demonstrate how LJKK functions not only as a financing institution but also as a development instrument capable of reaching sectors not served by conventional financial institutions.

Transaksi Jual Beli Pre-Order Merchandise K-Pop Pada Grup Order Wonderland Dalam Perspektif Fiqih Muamalah

Irfilia Azzahra Putri, Muhammad Zuhirsyan, Muslim Marpaung — Sat, 11 Apr 2026 13:46:02 +0000

This study aims to analyze the practice of pre-order sales of K-pop merchandise in the Wonderland Group Order from the perspective of Islamic commercial jurisprudence (fiqh muamalah). The researcher employed a qualitative descriptive method, collecting data through interviews with group administrators, consumers, as well as experts in Islamic jurisprudence and Islamic economics. The results show that the pre-order transaction system implemented in this group aligns with the principles of Islamic law, particularly the salam contract. In this contract, the specifications of the goods are clearly agreed upon, and payment is made either partially or fully in advance, with the goods delivered at a predetermined future time. Although the transactions are carried out digitally, the essential elements of ijab (offer) and qabul (acceptance) are fulfilled, making the transaction valid according to Islamic law.

Peran Media Sosial Dalam Memoderasi Religiusitas Terhadap Perilaku Konsumsi Muslim Gen-Z Pada Boikot Produk Israel

Nur Azizah Hasanah, Madnasir, Nurlaili — Sat, 11 Apr 2026 14:56:56 +0000

The purpose of this study is to analyze the influence of religiosity on Muslim consumption behavior, as well as the role of social media as a moderating variable. An associative quantitative method was used with a sample of 150 Gen-Z respondents in Bandar Lampung City. Data analysis was performed using SEM-PLS to test the outer and inner models. The results show that religiosity has a significant positive effect on consumption behavior. Meanwhile, social media does not have a significant moderating effect on the relationship between variables. Therefore, Gen-Z consumption patterns pay more attention to religious commitment than social media information. Implicitly, this emphasizes the importance of religiosity as an effective strategy in Muslim consumption behavior, thereby contributing to the development of sharia economic theory and value-based education and business practices.

Analisis Pengaruh Faktor Makroekonomi Dan NPF Terhadap Profitabilitas Bank Syari'ah Di Indonesia

Annisa Della Vernon, Norma Rosyidah — Sun, 12 Apr 2026 06:41:34 +0000

One of the supporting factors of monetary policy that can support the profitability of Islamic banks in Indonesia is inflation, interest rates, net performing finanace (NPF). Profitability utilizes Return on Assets (ROA) as the main indicator of bank financial performance. Inflation reflects the general level of price increases that can affect people's purchasing power, while interest rates reflect the cost of borrowing that impacts economic activity. NPF is utilized to indicate the quality of Islamic banking and the credit risk it faces. Inflation has a significant positive impact on the profitability of Islamic banks, which reflects that inflation can improve bank performance through an increase in people's purchasing power and an increase in operating costs. Interest rates have a negative influence on the profitability of Islamic banks because as sharia-based financial institutions, Islamic banks are in principle not directly affected by interest rates, suggesting an indirect relationship with adjustments to the level of Islamic financing. Meanwhile, NPF shows a significant positive effect on Profitability, indicating that increased financing risk reduces the bank's ability to generate profits.

Analisis Kebijakan Restrukturisasi Pembiayaan Akibat Force Majeure Pada BMT Assyafi’iyah Berkah Nasional KC Metro

Almanda Dafitri, Haris Santoso, Eka Nurzanah — Sun, 12 Apr 2026 07:13:40 +0000

This study analyzes the financing restructuring policy at BMT Assyafi’iyah Berkah Nasional KC Metro in response to force majeure events, such as natural disasters and significant business downturns. These conditions can reduce members’ ability to meet their obligations and increase the risk of Non-Performing Financing (NPF). The study aims to assess how the restructuring policy is implemented and how effective it is in assisting affected members. A descriptive qualitative method was used, with data collected through interviews, observation, and documentation. The results show that restructuring is carried out selectively through internal evaluation and board approval, effectively easing members’ burdens, maintaining business continuity, and controlling NPF. Therefore, the institution is advised to strengthen its monitoring and evaluation systems, as well as restructuring guidelines, and to enhance business support for its members. On the other hand, members are expected to understand the applicable procedures, maintain active communication when facing difficulties, and improve financial management so that obligations are met and the partnership can be sustained.

The Application Of Khiyar In The Buying And Selling Of Smoked Fish

Hariyani Listiawati, Mursyid, Muh. Adibtiya — Tue, 14 Apr 2026 06:19:39 +0000

Khiyar is a choice that must be made when continuing or canceling a sale and purchase transaction contract. The buying and selling process requires khiyar, and the rights of khiyar are stipulated in Islamic law to avoid disputes between buyers and sellers, so that no one is deceived or harmed in buying and selling transactions. The aim of this research is to see how khiyar is applied in the buying and selling activity of smoked fish with a case study at the Mandonga wet market, Lasandara Street, Kendari City. This research uses a qualitative research method with a data analysis approach, namely descriptive qualitative. The theoretical basis used in this research is the application of khiyar Majlis, khiyar 'Aib, and khiyar Terms at the Mandonga wet market, Lasandara Street, Kendari city which is carried out in the activity of buying and selling smoked fish. The informants in this research were 16 people consisting of 6 smoked fish sellers and 10 buyers. This research was carried out using data collection techniques in the form of observation, interviews and documentation. The results of this research show that the application of khiyar, including khiyar Majlis, khiyar 'Aib, and khiyar conditions in buying and selling smoked fish transactions carried out by sellers at the Mandonga wet market, has been successfully implemented based on an Islamic economic review.

Pendekatan Optimasi dalam Pengambilan Keputusan Produksi dan Pembiayaan pada Industri Manufaktur: Sebuah Systematic Literature Review

Supriyanto, Anna Wulandari — Tue, 14 Apr 2026 10:08:52 +0000

Penelitian ini bertujuan untuk menganalisis berbagai pendekatan optimasi dalam pengambilan keputusan produksi dan pembiayaan pada industri manufaktur melalui metode systematic literature review (SLR). Industri manufaktur menghadapi keterbatasan sumber daya serta tekanan efisiensi yang tinggi, sehingga diperlukan pendekatan yang mampu mengoptimalkan alokasi sumber daya dan mendukung pengambilan keputusan manajerial yang efektif.

Metode penelitian dilakukan dengan mengkaji literatur ilmiah dari berbagai basis data seperti Google Scholar, ScienceDirect, dan Scopus menggunakan kata kunci terkait optimasi produksi dan pembiayaan. Proses seleksi dilakukan menggunakan pendekatan PRISMA, yang meliputi tahap identifikasi, screening, kelayakan, dan inklusi. Dari total 85 artikel awal, diperoleh 30 artikel yang memenuhi kriteria untuk dianalisis.

Hasil kajian menunjukkan bahwa metode optimasi seperti linear programming, non-linear programming, dan dynamic optimization berperan penting dalam meningkatkan efisiensi produksi dan profitabilitas perusahaan. Selain itu, pengelolaan pembiayaan yang optimal berkontribusi dalam menjaga stabilitas operasional dan mengurangi risiko keuangan. Namun demikian, sebagian besar penelitian masih membahas aspek produksi dan pembiayaan secara terpisah, sehingga diperlukan pendekatan integratif.

Penelitian ini memberikan kontribusi dalam pengembangan literatur ekonomi manajerial serta memberikan implikasi praktis bagi manajer dalam pengambilan keputusan yang lebih efisien, adaptif, dan berkelanjutan serta memberikan implikasi praktis bagi pengambilan keputusan di industri manufaktur, termasuk pada kawasan industri berkembang seperti Bekasi.

Deconstructing Tarjih: Analisis Kritis Metode Tarjih dalam Penetapan Hukum Islam Kontemporer dan Relevansinya Terhadap Manajemen SDM Ekonomi Syariah

Wira Syuhada, Kholilurrohman, Azmi Ismail — Fri, 17 Apr 2026 02:59:28 +0000

This article examines the problems that arise in the application of the tarjih method in Indonesia, particularly in addressing contemporary Islamic legal issues related to human resources management in Islamic economic institutions. Using a qualitative approach with document analysis from three major fatwa institutions: the Muhammadiyah Tarjih Council, the Nahdlatul Ulama Council (LBM NU), and the National Sharia Council of the Indonesian Ulema Council (DSN-MUI). This study finds that there is a significant dynamic between the established adherence to traditional school methodologies and the need for contextual ijtihad. This dynamic creates a diversity of legal products (fatwas) that often overlap or even contradict each other and have implications for economic human resources, ranging from recruitment policies and compensation systems to employee development, which must operate amidst legal uncertainty.

Trump Policy 2.0: Implications For Fiscal And Monetary Stability And The Resilience Of The Islamic Financial Sector In Indonesia

Faris Kurnia Hakim, Mauizhotul Hasanah, Safarinda Imani, M. Taufiq — Mon, 27 Apr 2026 04:17:57 +0000

The protectionist policies implemented by the United States under Donald Trump, particularly through impor tariffs on trading partners, including Indonesia, have created uncertainty in global trade. These tariff increases will disrupt the economic stability of partner countries, including Indonesia. The impact can be reflected in fiscal stability, monetary stability, and the resilience of the financial sector, particularly Islamic finance. Therefore, this study aims to analyze how US tariff policy impacts these three pillars of economic stability using VAR and VECM methods. Data used ranges from 2016 to 2025. Overall, the VAR model estimation results indicate that all variables have a long-term relationship. Therefore, the VECM model, measured by the error correction term (ECT), estimates the impact of Trump's import tariffs on fiscal, monetary, and Islamic financial stability indicators. The variables with significant effects are state budget deficit, government debt, rupiah exchange rate, foreign exchange reserves, Indonesia Sharia Stock Index (ISSI), and Financing to Deposit Ratio (FDR). Meanwhile, the variables with insignificant effects are state revenue, inflation, and Non Performing Financing (NPF). Furthermore, in the short term, the variables with significant effects are all fiscal stability variables (state revenue, state budget deficit, government debt), and Islamic financial stability (ISSI and FDR). The variables with insignificant effects are monetary stability variables (rupiah exchange rate, inflation, foreign exchange reserves) and Islamic financial stability (NPF).

Implementasi Pembiayaan Modal Kerja BMT Artha Yappi Dalam Meningkatkan UMKM Putra Tambak Rejo Furniture Jepara

Syarifatul Wardah, Wahidullah, Ahmad Fauzan Mubarok — Mon, 27 Apr 2026 06:28:15 +0000

This study aims to analyze the role of working capital financing provided by BMT Artha Yappi in improving the performance of Putra Tambak Rejo Furniture as a Micro, Small, and Medium Enterprise (MSME) in the furniture sector. The method used a descriptive qualitative approach and case study design, with data collected through in-depth interviews, participatory observation, and documentation studies. The results of the study show that working capital financing of IDR 40 million with a Murabahah contract was effectively allocated for the purchase of modern sanding machines and additional raw materials. The implementation of this financing had a significant impact on improving business performance, as evidenced by a 50% increase in production capacity (from 10 to 15 sets/month) and a 40% increase in monthly turnover (from IDR 50 million to IDR 70 million). This success was not only driven by capital factors, but also reinforced by the role of BMT Artha Yappi in providing intensive technical and managerial assistance.

Determinan Deposito Mudharabah Bank Umum Syariah Di Indonesia

Nur Kholisah, Zahida Billah, Cici Prasetyandari — Mon, 27 Apr 2026 07:00:14 +0000

The growth of the Islamic banking industry in Indonesia in recent years shows a trend that is increasing quite significantly. One of the important indicators in fundraising activities at Islamic banks is mudharabah deposits which are profit-sharing-based investment products. The growth of mudharabah deposits is inseparable from the condition of the bank's financial performance as measured through several financial ratios. This study aims to analyze the effect of Return on Asset (ROA), Non-Performing Financing (NPF), and Financing to Deposit Ratio (FDR) on mudharabah deposits in Sharia Commercial Banks in Indonesia for the 2020–2024 period. This study uses a quantitative approach and the data used is secondary data in the form of annual financial statements of Sharia Commercial Banks in Indonesia. The population in this study is all Sharia Commercial Banks in Indonesia, while the research sample was determined using purposive sampling techniques based on certain criteria. The data analysis technique uses multiple linear regression with the help of the SPSS application. The results of the study showed that partially Return on Asset (ROA) had a significant effect on mudharabah deposits, while Non-Performing Financing (NPF) and Financing to Deposit Ratio (FDR) had no effect on mudharabah deposits. Simultaneously, ROA, NPF, and FDR have no significant effect on mudharabah deposits. The value of the determination coefficient showed that the independent variable was able to explain the variation in mudharabah deposits by 61.6%, while the rest was influenced by other variables outside the study. These findings indicate that profitability factors have an important role in increasing public interest in mudharabah deposit products, while financing and liquidity risks are not the main considerations.

Optimizing The Potential of Productive Waqf in Encouraging Sharia Economic Growth

Siti Habibatur Rahma, Wildatun Musyarrofah — Mon, 27 Apr 2026 08:21:33 +0000

The purpose of this study is to identify wakaf potential and analyze strategies for optimal pengelolaannya to make a more significant contribution to the development of the syariah economy. The research method used is qualitative with a descriptive approach, demonstrating the researcher's efforts to solve actual problems through data collection, compilation, classification, analysis, and interpretation. The data collection technique used is library research, in which the researcher reads, studies, and analyzes books, journals, and articles written by researchers. The results indicate that professional and productive management, a transparent and accountable management system, and the use of digital technology can optimize the potential of waqf. In addition, good synergy starts from the government, Islamic financial institutions, and the community is a crucial factor in strengthening the waqf ecosystem. With the right strategy, wakaf has the potential to become one of the main pillars in the development of the various sectors of the syariah economy, particularly in the areas of education, health, and micro, small, and medium business (UMKM).

Examining Customer Engagement In Linking Social Media Content Quality, Influencer Credibility, And Purchase Intention

Hetifah Sjaifudian, Siswanda H. Sumarto, Nuzul Husnah — Mon, 27 Apr 2026 09:26:40 +0000

This study examines the mediating role of customer engagement in the relationships between social media content quality, influencer credibility, and purchase intention toward MSME products in West Java. In digital marketing, platforms such as Instagram and TikTok have become important promotional channels for MSMEs, making content quality and influencer credibility key factors shaping consumer responses. This study used a quantitative approach with an explanatory research design. Data were collected through an online questionnaire from 200 respondents in West Java who actively use Instagram or TikTok, had seen MSME promotions in the last three months, and had been exposed to influencer-based promotions. Data were analyzed using Partial Least Squares Structural Equation Modeling. The results show that social media content quality and influencer credibility have positive and significant effects on customer engagement and purchase intention. Customer engagement also positively influences purchase intention and significantly mediates the effects of social media content quality and influencer credibility on purchase intention, indicating partial mediation. Social media content quality has the strongest effect on customer engagement, while influencer credibility has the strongest direct effect on purchase intention. These findings highlight the importance of content quality, credible influencers, and customer engagement in improving MSME marketing effectiveness.

The Role Of Ai-Based Personalized Marketing On Customer Trust And Online Repurchase Intention In E-Commerce

Siswanda H. Sumarto, Hetifah Sjaifudian, Nuzul Husnah — Mon, 27 Apr 2026 09:45:52 +0000

This study examines the effect of AI-Based Personalized Marketing on Customer Trust and Online Repurchase Intention among e-commerce users in West Java, Indonesia. As artificial intelligence becomes increasingly embedded in e-commerce through personalized recommendations, targeted promotions, and behavior-based notifications, its effectiveness depends not only on relevance and usefulness but also on the ability to build customer trust. Therefore, Customer Trust is positioned as a mediating variable in this study. A quantitative explanatory approach was employed, using data collected from 220 active e-commerce users in West Java who had purchased online at least twice in the last six months and had been exposed to AI-based personalized marketing. The data were analyzed using PLS-SEM with SmartPLS 4. The results show that AI-Based Personalized Marketing positively and significantly affects Customer Trust (β = 0.516, p < 0.001) and Online Repurchase Intention (β = 0.225, p < 0.001). Customer Trust also positively and significantly affects Online Repurchase Intention (β = 0.454, p < 0.001) and partially mediates the relationship between AI-Based Personalized Marketing and Online Repurchase Intention (β = 0.234, p < 0.001). These findings highlight trust as a key mechanism linking personalization and sustainable repurchase behavior in e-commerce.

Digital Customer Experience And Brand Loyalty In The Online Muslim Fashion Industry

Nuzul Husnah, Siswanda H. Sumarto, Hetifah Sjaifudian — Tue, 28 Apr 2026 06:00:32 +0000

This study examines the effect of Digital Customer Experience on Brand Loyalty, with Perceived Value as a mediating variable, in the Online Muslim Fashion industry in West Java, Indonesia. The rapid growth of digital commerce has intensified competition among Online Muslim Fashion brands, making the quality of digital interactions a key factor in shaping customer evaluations and long-term loyalty. This study used a quantitative explanatory design. Data were collected through an online questionnaire distributed to consumers in West Java who had purchased fashion products online at least twice in the last six months and had interacted with a fashion brand through digital platforms. Using purposive sampling, 200 respondents were selected. Data were analyzed using covariance-based Structural Equation Modeling, including Confirmatory Factor Analysis, reliability testing, goodness-of-fit evaluation, structural model testing, and mediation analysis. The results show that Digital Customer Experience positively and significantly affects Perceived Value and Brand Loyalty, while Perceived Value also positively and significantly affects Brand Loyalty. In addition, Perceived Value partially mediates the relationship between Digital Customer Experience and Brand Loyalty. These findings indicate that loyalty in the Online Muslim Fashion industry is shaped by both the quality of digital interactions and the value perceived by consumers.