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ii ICIEBDS 2023 1 st International Conference on Islamic Economics, Business Development and Studies BOOK OF ABSTRACTS AND PROGRAMME Copyright@2023 Faculty of Islamic Economics and Business All Rights Reserved Published by Faculty of Islamic Economics and Business UIN Raden Intan Lampung 35131 Lampung, Indonesia
iii The ICIEBDS 2023 Conference aims to bring together the academicians embarcing, Shariabased Economic, Finance, Business and accounting as a new engine toward better and sustainable inclusive growth. The theme of the conference is: "Islamic Business for Environment and Sustainable Development towards Attaining Social Wellbeing" 1 st International conference on Islamic economics, business development and studies (ICIEBDS) 2023 is an international Islamic academic conference discussing the analyzing new research initiation also new products and services in sustanaible Islamic economics development on international business to achieve social welfare with issues of Islamic development studies from various fields. ICIEBDS 2023 invites all researchers to publish qualified papers with reference and theme "Islamic Business for Environment and Sustainable Development towards Attaining Social Wellbeing”
iv Bismillahirahmaanirrohiim Assalamu'alaikum Wr. Wb., Tabiik puun… The Honorable Speakers, The Deans, Invited guests, Participants, and Committee. The First International Conference on Islamic Economics, Business Development and Studies, Faculty of Islamic Economics and Business UIN Raden Intan Lampung. I, as the Chancellor of UIN Raden Intan, am proud to welcome all of you to this international conference which is being held for the first time. This conference is an important momentum in strengthening the understanding and development of Islamic economics, as well as business studies based on Islamic values. As an educational institution dedicated to promoting a better understanding of Islam and science, UIN Raden Intan Lampung is honored to host this event. We hope that this conference will become a forum for academics, practitioners and thinkers in the field of Islamic economics to share knowledge, experience and the latest research relevant to this topic. In the era of globalization and complex economic challenges, it is very important for us to explore the potential of Islamic economics in depth and find sustainable solutions to face these challenges. The conference is expected to be an inspiring forum, a place where innovative ideas are found, solid and beneficial collaboration between experts in their fields, strengthen professional networks, and encourage further development in Islamic economics and value-based business studies Islamic values. I would like to thank the speakers, all the participants who took the time and effort to participate in this conference and the organizing committee. The contributions and knowledge you all bring will be a valuable asset in enriching our discussions and thinking. Lastly, I would like to congratulate you on having this conference. Hopefully this conference will provide new insights, broaden our understanding, and inspire real action steps for the advancement of the Islamic economy. Thank you, and good luck! By saying Bismillahirrohmanirrohim, this conference is officially opened. Wassalamualaikum warahmatullahi wabarakatuh. Prof. Wan Jamaluddin, M.Ag., Ph.D GREETING FROM RECTOR UIN RADEN INTAN LAMPUNG
v Assalamu'alaikum Wr. Wb., Tabiik puun… The Honorable Speakers, and participants in The First International Conference on Islamic Economics, Business Development, and Studies, First and foremost, we thank Allah Almighty for boundless blessings. With utmost pride and gratitude, I extend a warm welcome to all of you at this important international event.This conference presents a valuable opportunity for academics, practitioners, and thinkers in the field of Islamic economics to share knowledge, experiences, and the latest research relevant to this topic. As the Dean of the Faculty of Islamic Economics and Business at UIN Raden Intan, I am honored that our institution is hosting this event. We hope that this conference will serve as an inspiring platform where innovative ideas are discovered, and close collaborations among experts in this field are forged. In the era of globalization and complex economic challenges, it is crucial for us to explore the potential of Islamic economics and find sustainable solutions to overcome these challenges. This conference is expected to be a forum that inspires and fosters new ideas, as well as builds strong collaborations among experts in this field. I would like to express my appreciation and gratitude to the organizing committee, speakers, and all participants who have devoted their time and efforts to be part of this conference. Your contributions and knowledge will be valuable assets in enriching our discussions and thoughts. In conclusion, I extend my congratulations on the commencement of this conference. May it provide new insights, broaden our understanding, and inspire real actions for the advancement of Islamic economics. Thank you, and may this event be successful! Wassalamualaikum Wr. Wb Prof. Dr. Tulus Suryanto MM., Akt., CA GREETING FROM THE DEAN FEBI UIN RIL
vi COMMITTEE Advisor Prof. Dr. Tulus Suryanto, S.E., M.M., Akt., CA Chairman Dr. Madnasir. S.E., M.S.I Deputy Chairman 1 Dr. Hanif. S.E., M.M Deputy Chairman 2 Dr. H. Ali Abdul Wakhid. M.Si Secretary Femei Purnamasari. S.E., M.Si Treasurer 1 Zul’aini Chaniago. S.E. M.E.I., Akt Treasurer 2 Atin, A.Md International Committee Prof. DR. Abdul Kadir Othman Institute Business excelent , UITM Malaysia Prof. Dr. Mohd Abdullah Jusoh Faculty of Defence Studies and Management, National Defence University of Malaysia. Prof. Dr. Muhammad Kashif Gujranwala Institute of Future Technology (GIFT) University, Pakistan Prof. Dr. Mohd. Mizan Aslam Faculty of Defence Studies and Management, National Defence University of Malaysia. Prof. Dr. Shahir Akram Hassan Center for Islamic Development Management Studies (ISDEV), Universiti Sains Malaysia (USM), Malaysia Prof. Dr. Ramona Pirvu, University of Craiova (UCV), Rumania. Assoc Prof. Dr. Melinda Siti Asmah binti Yunos Faculty of Business and Management Universiti Teknologi Mara Cawangan Pulau Pinang Prof. Dr. Natalia G. Vovchenko Rostov State University of Economics (RINH), Russia Dr. Shereeza Mohd Saniff, Universiti Sains Malaysia (USM), Malaysia Assoc. Prof. Kürşat ÇAPRAZ Faculty of Political Sciences at Sakarya University (SAU SBF), Turkey Prof. Dr. Mohd Fairuz bin Md. Salleh Director, Strategic Business Unit, UKM-Graduate School of Bussiness, Malaysia Registration and Accommodation Coordinator Mardiyah Hayati, MSi Erlin Kurniati, MM Yulistia Devi, M.S.Ak Oza Ristianika, ME Anggun Okta Fitri, MM Sherly Etika Sari, M.S.I Toton Efendi Suhendar, M.S.Ak M.Kurniawan, M.E.Sy Naswan Sanestia Eriawati S.H
vii Event Management Coordinator Dr. Erike Anggraeni, M.Esy Dr. Ridwansyah, M.E.Sy Dr. Ahmad Habibi, M.E Eny Eliza, M.Ak Nurlaili, M.A Okta Supriyaningsih, M.E.Sy Desi Nurhabibah, M.E Mia Selviana, M.Ak Gina Ulfa, M.E.Sy Adhe Risky Mayasari, M.Pd Andueriganta Fadhlihi, S.E., M.A Transportation and Guest Escort Coordinator A. Zuliansyah, M.M Is Susanto, M.E.Sy Fikri HiAce Nur sya’adi, ME Agus Kurniawan, M.Ak A. Hazas syarif, M.E.I Dimas Pratomo, M.E Fatih Fuadi, M.S.I Raizky Rienaldy Pramasha, M.E Arinza Justistio M. Zaki Consumption Coordinator Suharyani Husnul Nova Sulis Nanda Audia, M.M Information and Technology (IT) Coordinator Anas Malik, M.E.Sy Dedi Satriawan, M.Pd Taufiqur Rahman, M.Si Adib Fachri, M.E.Sy Faqih Wildan Hakim Rahmat Sulasi Imaniah
viii Articel and Editing Coordinator Yeni Susanti, M.A Andika Saputra, S.Pd, MM Citra Etika, M.Si Zulaikha, ME Yetri Martika Sari, M.Acc Nabilla Kisti Nadira Najmi Fitriani Paralel Session (R1) Coordinator Alief Rakhman Setyanto, M.E Sania Nurazizah, MBA Diah Mukminatul Hasyimi, M.E.Sy Zathu Restie Utamie, M.Pd Paralel Session (R2) Coordinator Gustika Nurmalia, M.Ek Nur Wahyu Ningsih, M.S.Ak Rahmat Fajar Ramdani, M.Si Dinda Fali Rifan, M.Ak Paralel Session (R3) Coordinator Viky F Sanjaya, M.Sc Siska Yuli Anita, MM Weny Rosilawati, M.M M.Yusuf Bachtiar, M.E.Sy Paralel Session (R4) Coordinator Arifa Kurniawan, M.S.A Nurhayati, M.M Rosydalina Putri, M.S.Ak Tim Reviewer Coordinator Dr. Moh Bahrudin, MA H. Supaijo, M.H Dr. H. Nasrudin, M.Ag Dr. M. Iqbal, M.E.I Dr. Budimasyah, M.Kom
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xiv PARALLEL SESSION (ONLINE) THEME CODE Future Environmental Sustanaibility FES Technology and Human Development THD Technology and Globalization TGN SCHEDULE Venue : (Room 1 : VIP Dekanat FEBI Lt 2) (Room 2 : Dekanat FEBI Lt 2) Date : 12 June 2023 Time : 09.00 WIB PERSENTATION ONLINE ROOM 1 ROOM 2 CODE FES. 015 FES. 033 THD. 003 THD. 007 FES. 060 FES. 026 FES. 012 FES. 043 FES. 005 TGN. 008 FES. 011 FES. 035 FES. 009 TGN. 015 FES. 024 FES. 025 TGN. 004 FES. 023 FES. 028 TGN. 009 THD. 008 TGN. 012 FES. 042 FES. 008
xv PARALLEL SESSION (OFFLINE) THEME CODE Future Environmental Sustanaibility FES Technology and Human Development THD Technology and Globalization TGN SCHEDULE Venue : (Room 1 & 2 ) Bukit Randu Hotel Date : 14 June 2023 Time : 14.00 WIB PRESENTATION OFFLINE ROOM 1 ROOM 2 CODE CODE TGN. 016 TGN. 013 FES. 047 FES. 027 FES. 058 FES. 051 FES. 046 TGN. 011 FES. 057 FES. 050 FES. 041 FES. 059 FES. 056 FES. 054 FES. 044 TGN. 005 FES. 055 TGN. 014 FES. 041 FES. 030 FES. 053 THD. 006 FES. 040 FES. 034 FES. 052 FES. 049 FES. 039 FES. 032 FES. 029 FES. 048 FES. 038 FES. 031 FES. 036 FES. 061 TGN. 006 FES. 063 TGN. 019 TGN. 007
xvi TABLE OF ABSTRACTS NO. TITLE PAGE 1. [TGN. 016] THE INFLUENCE OF E-SERVICE QUALITY, PRICE AND BRAND IMAGE ON PURCHASE INTENTION ISLAMIC PERSPECTIVE Ana Sulfiya1 , Syibahudin2 , Ahyakudin3 1 2. [FES. 058] THE EFFECT OF CAPITAL AND LABOR WAGES ON INCOME IN ISLAMIC ECONOMICS PERSPECTIVE; A CASE IN CV OF IBU KARTINI SERANG DISTRICT OF BANTEN PROVINCE Siti Umun1 , Moh. Mukhsin2 , Najmudin3 2 3. [TGN. 015] INTEGRATION OF DIGITAL BASED BANKING SERVICES ON CUSTOMER SATISFACTION STUDY OF INDONESIAN ISLAMIC BANKS Fadila Mawantika 3 4. [FES. 057] THE INFLUENCE OF HALAL LABELING, PRODUCT QUALITY, AND PRICE ON PURCHASING DECISIONS FOR TTEOKBOKKI PRODUCTS Abdullah Hadi1 , Moh, Mukhsin2 4 5. [FES. 056] THE EFFECT OF ORGANIZATIONAL JUSTICE AND ISLAMIC WORK ETHOS ON JOB SATISFACTION AT EMPLOYEES PT. SUNJIN HJ. SERANG DISTRICT Muhammad Khaeru fathurrohman1 , Moh. Mukhsin2 5 6. [FES. 055] THE EFFECT OF COMPENSATION AND RELIGI0SITY VALUE ON EMPLOYEE PERFORMANCE AT PT BILINDO INFO SISTEMA Muhammad Luthfan Karim1 , Moh. Mukhsin2 6 7. [FES. 054] MARKETING MODEL OF HAJJ SAVING PRODUCTS IN BMT BINA UMMAT SEJAHTERA BRANCH KLIWON Permata Sharoh 7 8. [FES. 053] ANALYSIS OF THE IMPLEMENTATION OF ISLAMIC BUSINESS ETHICS ON THE BEHAVIOR OF TRADERS IN THE KUKUN TRADITIONAL MARKET (STUDY ON KUKUN TRADITIONAL MARKET TRADERS, RAJEG DISTRICT) Wahyu Nabil 8
xvii 9. [TGN. 014] USE OF SHARIA E-MONEY IN GENERATION Z BETWEEN NEEDS AND DESIRE Sinta Andriani 9 10. [FES. 052] THE EFFECT OF ECONOMIC POLICY UNCERTAINTY IN AMERICAN AND CHINESE, WORLD OIL PRICES, GROSS DOMESTIC PRODUCT (GDP), AND INFLATION ON THE INDONESIAN SHARIA STOCK INDEX (ISSI) FOR THE 2015- 2022 PERIOD Nia Mulyaningsih1 , Moh. Mukhsin2 , Ahmad fatoni3 10 11. [TGN. 013] THE INFLUENCE OF DIGITAL WALLETS IN INCREASING BUSINESS IN THE F&BAND ONLINE SHOP FIELDS Wina Mardhatillah 11 12. [FES. 051] THE EFFECT OF HALAL LABEL, PRICE, AND HALAL AWARENESS TO PURCHASE INTENTION COSMETIC PRODUCTS (CASE STUDY OF MUSLIM IN CILEGON CITY) Risma Wardani1 , Syihabudin2 , M. Ainun Najib3 12 13. [FES. 050] DISTRIBUTION EFFECTIVENESS FUND HELP PRODUCTIVE BUSINESS MICRO (BPUM)TO PARA PERPETRATOR EFFORT MICRO SMALL INTERMEDIATE (UMKM) Amalia Prima Regita Erly Saputri1 , Moh. Mukhsin2 13 14. [FES. 049] EFFORTS TO HANDLE PROBLEMATIC FINANCING AT BSI KCP KUDUS Winda Novitasari 14 15. [FES. 048] THE IMPACT OF BMT ON THE WELFARE OF MARKET TRADERS IN KUDUS Fradela Putri 15 16. [FES. 047] WHAT GUARANTEES THE INDONESIAN SHARIA BANK (BSI) IS SHARIA COMPLIANT? Inka Natasya 16 17. [FES. 046] THE EFFECT OF MODERN MARKETING MIX ON CUSTOMER DECISIONS TO SAVING IN BSI KUDUS Arum Lila 17
xviii 18. [FES. 041] LEGAL PROTECTION MEASURES FOR CUSTOMERS OF DIGITAL SHARIA BANK Husnul Qorifata1 , Febriaya Ayu Eka Putri2 , Kharis Fadlullah Hana3 18 19. [FES. 044] ANALYSIS OF THE INFLUENCE OF DOMESTIC MACROECONOMIC AND GLOBAL MACROECONOMIC VARIABLES ON THE INDONESIAN SHARIA STOCK INDEX (ISSI) PERIOD 2017-2022 Putri Ayu Agustina Siagian1 , Sokhikhatul Mawadah2 19 20. [TGN. 012] BSI SMART AGENT IN KUDUS: OPPORTUNITIES AND CHALLENGES Novita Putri 20 21. [FES. 043] FORCE MAJEUR PARAMETER ANALYSIS OF THE IMPLEMENTATION OF TA’WIDH AND TA’ZIR SYSTEM IN ISLAMIC BANKING Gusti Khairina Shofia 21 22. [FES. 042] EXPLORING THE ADVANTAGES AND CHALLENGES OF ISLAMIC BANKING AND FINANCE Aprilianto 22 23. [FES. 041] LITERACY LEVEL OF ISLAMIC BANK IN MARGINALIZED COMMUNITIES (HADIPOLO KUDUS COMMUNITY CASE STUDY) Seli Ela 23 24. [FES. 040] FINANCIAL PERFORMANCE COMPARISON OF INDONESIAN SHARIA BANK AND MALAYSIA SHARIA BANK Evy Tarisda 24 25. [FES. 039] CONDITION OF INDONESIAN SHARIA BANKS POST-MERGER Ummul Fatimah 25 26. [FES. 038] EMPLOYEE PERFORMANCE IMPROVEMENT STRATEGY FOR KJKS BMT BINA UMMAT SEJAHTERA MIJEN KALIWUNGU KUDUS BRANCH Yosi 26
xix 27. [TGN. 011] SHARIA FINTECH: BETWEEN THE NEEDS AND DESIRE OF MICRO SMALL AND MEDIUM ENTERPRISES (MSME) Nishyfiatul Jannah 27 28. [FES. 029] ISLAMIC SOCIAL REPORTING OF INDONESIA SHARIA BANKS: EMPIRICAL FINDINGS Ananda Anugrah Nasution1 , M. Fauzan2 , Ryan Suraso3 28 29. [THD. 008] EMINENCE OF ZAKAT ON SALARIES AND INCOME OF EMPLOYEES AND PROFESSIONALS IN LANAO DEL SUR, PHILIPPINES: TOWARDS ESTABLISHING THE SHARIAH PERSPECTIVE Anwar M 29 30. [FES. 035] MANAGEMENT OF FUNDING PRODUCTS AND FINANCING PRODUCTS IN FULFILLING LIQUIDITY AT PT. BANK SYARIAH MANDIRI BRANCH SENGKANG SOUTH SULAWESI Asyraf Mustamin1 , Trimulat2 , Lismawati3 , Nuringsih4 dan Zhulfi Hijriani5 30 31. [FES. 034] DO THE ASPECTS OF GROWTH, PROFITABILITY, ENVIRONMENTAL PERFORMANCE, AND INDUSTRY TYPE IMPROVE THE REDUCTION OF CARBON EMISSION DISCLOSURE? Bayu Tri Cahya1 , Dwi Putri Restuti2 , Suhadi3 , M. Miftahur Rozaq4 31 32. [FES. 033] ASSESSING THE AWARENESS AND PERCEPTIONS OF MUSLIM ENTREPRENEURS ON THE BENEFITS OF ISLAMIC MICROFINANCE IN THE PHILIPPINES Dr Jawad 32 33. [THD. 007] WAQF AND ZAKAH AS A TOOL IN IMPROVING QUALITY OF LIFE OF ORPHAN SCHOLARS IN PHILIPPINE ENGINEERING AND AGRO-INDUSTRIAL COLLEGE, INC. Dr Shahid 33 34. [FES. 032] PANEL DATA REGRESSION ON TAX AVOIDANCE REVIEWED FROM ISLAMIC CORPORATE SOCIAL RESPONSIBILITY, CAPITAL INTENSITY, INVENTORY INTENSITY, PROFITABILITY, AND LEVERAGE Dwi Putri Restuti1 , Bayu Tri Cahya2 , Siti Amaroh3 34
xx 35. [FES. 031] SHARIA SUPERVISORY BOARD (SSB) CHARACTERISTICS AND ANTI-CORRUPTION DISCLOSURE (STUDY OF ISLAMIC BANKS IN INDONESIA AND MALAYSIA) Fedi Ameraldo, Asri Yuliani, Marsi Fella Rizki 35 36. [TGN. 009] ISLAMIC BANKS VS FINTECH. WHAT IS THE FUTURE? Ilinka Antova 36 37. [THD. 006] MEASURING THE ROLE OF BAZNAS SEMARANG CITY AS THE IMPLEMENTATION OF SUSTAINABLE DEVELOPMENT GOALS (SDGs) IN THE ECONOMIC SECTOR Ahmad Daeroby, Imam Mawardi 37 38. [FES. 030] EXECUTION OF MARKETING APPROACHES IN LINE WITH ISLAMIC PRINCIPLES FOR MUSLIM INDEPENDENT GRAPHIC DESIGNERS ON "SHUTTERSTOCK" Johan Afandi 38 39. [TGN. 008] DIGITAL MARKETING ANALYSIS OF SYAIKHONA KHOLIL BANGKALAN TOMB TO BE INDONESIA’S HALAL TOURISM DESTINATION Muhammad Ersya Faraby1 , Muhammad Syarif2 39 40. [FES. 029] TIMELINESS OF FINANCIAL REPORTING COMPLIANCE IN INDONESIAN ISLAMIC STOCK INDEX: AN ANALYSIS Muhammad Wandisyah R. Hutalagung1 , Muhammad Arif2 , Ismail Pulungan3 40 41. [TGN. 006] DEVELOP VIRTUAL LEADERSHIP IN DIGITAL TECHNOLOGY ECOMMERCE P.M. Hadi Elmy bin Hasnor 41 42. [TGN. 007] EFFECT OF ENTREPRENEURSHIP AND DIGITAL TECHNOLOGY IN CUSTOMER RELATIONSHIP MANAGEMENT CHARACTERISTIC: DEPENDABLE STUDY AMONG ENTREPRENEUR LOGISTIC OPERATORS M. Fairos 42 43. [FES. 028] THE INDUSTRIAL DYNAMICS OF MANUFACTURING INDUSTRIES EVOLUTION: THE CASE OF TURKEY Maya Moalla 43
xxi 44. [FES. 027] THE PROSPECT OF ISLAMIC BANK IN RUSSIA: OPPORTUNITIES AND CHALLENGES Meirison1 , Desmadi Saharuddin2 , Husnul Faatarib3 44 45. [FES. 026] A SYSTEMATIC LITERATURE REVIEW OF WORK MOTIVATION AMONG HEALTHCARE FRONTLINERS DURING COVID-19 PANDEMIC Noor Hidayah Samsudin1 , Fadzila Azni Ahmad2 45 46. [FES. 025] LOOKING INTO FACTORS THAT INFLUENCE SUKUK RATINGS IN COMPANIES ISSUING SUKUK ON THE INDONESIA STOCK EXCHANGE Nurmalita, Zaki Mubarak 46 47. [TGN. 005] ANALYSIS OF FACTORS AFFECTING INTEREST IN USE BEHAVIOR MOBILE BANKING INDONESIAN SHARIA BANK WITH THE MODEL UNIFIED THEORY OF ACCEPTANCE AND USE OF TECHNOLOGY 3 (UTAUT 3) Rindi Atika1 , Rifaatul Indana2 47 48. [FES. 024] WHAT IS THE EFFECT OF SERVICE QUALITY, ASSISTANCE, AND CAPITAL ON THE SUCCESS OF MSME BUSINESSES? Siyamun Nikmah Khusnus Khotimah1 , Putri Aurelia Hanindiati2 , Harun Alrasyid3 48 49. [TGN. 004] ANALYSIS OF DEMOGRAPHIC FACTORS, SERVICE VARIATIONS, AND BANK REPUTATION ON INTEREST IN USING BSI MOBILE (CASE STUDY OF MALANG CITY COMMUNITY) Suci Fitriani1 , Makkah Nor Adhela2 , Abdullah Syakur Novianto3 49 50. [FES. 023] INVESTIGATING KEY INFLUENCING FACTORS ON COMPANY VALUE TO COMPANIES LISTED ON THE JAKARTA ISLAMIC INDEX (JII) Tarra Amalia Diandra1 , Akhmad Fauzi Aseri2 50 51. [FES. 022] THE INFLUENCE OF INTELLECTUAL CAPITAL AND COMPANY SIZE ON PROFITABILITY IN SHARIA COMMERCIAL BANKS Ulfi Latifah1, Rosydalina Putri2 51
xxii 52. [FES. 021] THE INFLUENCE OF SERVICE QUALITY AND BRAND IMAGE ON GRABFOOD CUSTOMER LOYALITY WITH THE ROLE OF CUSTOMER SATISFACTION AS AN INTERVENING VARIABEL IN ISLAMIC BUSINESS PERSPECTIVE (STUDY ON GRABFOOD CONSUMERS IN LAMPUNG) Vivi Tri Wulandari 52 53. [FES. 002] ANALYSIS OF DEMAND AND CONSUMER BEHAVIOR OF THE Z GENERATION TOWARDS PURCHASING COSMETICS LABEL HALAL Muhammad Rafza 53 54. [FES. 019] THE INFLUENCE OF FAMILY ENVIRONMENTAL AND ENTREPRENEURSHIP EDUCATION ON INTEREST IN EN TR EPR EN EU RS HI P WI TH S ELF E FFI C A C Y A S A MEDIATION VARIABLE IN SHARIA BUSINESS PERSPECTIVE (STUDY ON STUDENTS OF THE FACULTY OF ECONOMICS AND ISLAMIC BUSINESS UIN RADEN INTAN LAMPUNG) A Zuliansyah1 , Dimas Pratomo2 , Yolla Triyana Meifa3 54 55. [FES. 017] BUILDING A GREEN FUTURE: THE ROLE OF ENVIRONMENTAL ACCOUNTING IN THE PUBLIC SECTOR Agus Kurniawan1 , Heni Verawati2 55 56. [TGN. 003] THE INFLUENCE OF MOBILE BANKING SERVICE QUALITY AND TRUST ON CUSTOMER SATISFACTION OF INDONESIAN SHARIA BANK (BSI KC BANDAR LAMPUNG DIPONEGORO) Dr. Ahmad Habibi1 , S.E., M.E, Anisyarulyta Sari2 , Weny Rosilawati, M.M.3 56 57. [FES. 016] ANALYSIS OF THE HALAL INDUSTRY DEVELOPMENT STRATEGY TO INCREASE EXPORTS OF INDONESIAN HALAL PRODUCTS Alfeina Aroum Widya Pramesti1 , Erlin Kurniati2 57 58. [THD. 005] THE EFFECT OF THE ZIS DISTRIBUTION, THE NUMBER OF UNEMPLOYED AND HDI ON THE LEVEL OF POVERTY IN LAMPUNG PROVINCE Alief Rakhman Setyanto1 , Rifka Rani Awalia2 58
xxiii 59. [FES. 015] THE EFFECT OF ECO-EFFICIENCY AND PROFITABILITY ON MAQASHID SYARIAH INDEX (CASE STUDY OF MANUFACTURING COMPANIES LISTED IN THE INDONESIAN SHARIA STOCK INDEX IN 2020) Anas Malik¹, Fika Indriani², Evi Ekawati³, Yulistia Devi4 59 60. [FES. 014] THE INFLUENCE OF MICRO PRODUCTIVE ASSISTANCE POLICY ON MSME RESILIENCE IN THE COVID-19 PANDEMIC PERSPECTIVE IN ISLAMIC ECONOMICS Diah Mukminatul Hasyimi1 , Zathu Restie Utamie2 , Heni Verawati3 60 61. TGN. 002] CONTINUITY INTENTION SEGMENT MOBILE PAYMENTS: REVIEW THE IMMEDIATE EFFECTS OF PERFORMANCE EXPECTANCY AND EFFORT EXPECTANCY Erike Angraeni1 , Khavid Normasyhuri2 , Muhammad Kurniawan3 61 62. [FES. 013] THE ROLE OF GREEN SUKUK (ISLAMIC BONDS/ SHARIAHCOMPLIANT BONDS) IN ENHANCING INDONESIA ECONOMIC DEVELOPMENT STRATEGY IN THE NEW NORMAL ERA Ersi Sisdianto,.M.Ak 62 63. [FES. 012] EFFICIENCY OF BANK ACEH SYARIAH AND BANK NTB SYARIAH AFTER CONVERSION Faqih Wildan Hakim1 , Roikhan M. Aziz2 , Nur Hidayah3 63 64. [FES. 010] COMMUNITY DEVELOPMENT STRATEGY TOWARDS INDEPENDENT VILLAGE BY THE CONCEPT OF DEVELOPMENT IN ISLAMIC ECONOMY (STUDY IN LAMPUNG PROVINCE) Fatih Fuadi 64 65. [FES. 009] DEVELOPMENT OF HUMAN RESOURCE QUALITY, COMPETITIVE ADVANTAGE OF MSMES WITH INNOVATION AS MEDIATION IN THE PERSPECTIVE OF ISLAMIC ECONOMICS Femei Purnamasari 65 66. [TGN. 001] THE EFFECT OF E-BUSINESS ON MSMES SALES IN THE MIDDLE OF PANDEMIC Ghina Asmalia, Muhammad Iqbal, Suharto 66
xxiv 67. [THD. 004] WAQF IN SOCIAL AND CULTURAL DIMENSIONS Ghina Ulfa Saefurrahman 67 68. [FES. 011] ANALYSIS OF FUNDAMENTAL FACTORS AFFECTING ISLAMIC BANK SHARE PRICES IN INDONESIA Gustika Nurmalia, Yudhistira Ardana 68 69. [FES. 009] EXPLORING AN ASSISTED VILLAGE PROGRAM FOR ENHANCING UNIVERSITY’S ROLE ON COMMUNITY DEVELOPMENT IN INDONESIA Hanif 69 70. [FES. 008] SPATIAL ANALYSIS OF THE EFFECT OF HALAL PRODUCT EXPORT AND IMPORT ON CURRENT ACCOUNTS IN OIC COUNTRIES Muhammad Iqbal Fasa, Leny Indahsari, Syamsul Hilal 70 71. [FES. 007] ANALYSIS OF HALAL TOURISM DEVELOPMENT ON ECONOMICDEVELOPMENT IN INDONESIA Madnasir, Ali Wakhid, Anisa Binar Cahyani 71 72. [FES. 006] THE INFLUENCE OF UNEMPLOYMENT, INFLATION, AND POPULATION GROWTH ON ECONOMIC GROWTH IN LAMPUNG IN PROVINCE ISLAMIC ECONOMIC PERSPECTIVE Madnasir 72 73. [FES. 005] CRITICAL REVIEW OF ISLAMIC ECONOMIC THOUGHTS BASED ON THE PERSPECTIVE OF THREE SCHOOLS (MAZHAB): IQTISHADUNA, MAINSTREAM, AND ALTERNATIVE-CRITICAL Muhammad Iqbal 73 74. [THD. 003] THE ROLE OF WAQAF AND ZAKAT AS FISCAL POLICY INSTRUMENTS IN INDONESIA Nurlaili, Asmaul Fauzi 74 75. [FES. 004] ANALYSIS OF THE IMPLEMENTATION OF PRUDENTIAL BANKING PRINCIPLES IN PROVIDING BUSINESS CAPITAL FINANCING AND ITS IMPACT ON THE HIGH AND LOW RISK OF NON-PERFORMING FINANCING (STUDY AT BPRS METRO MADANI HEAD OFFICE) Oza Restiana 75
xxv 76. [FES. 003] THE EFFECT OF CAPITAL ADEQUACY RATIOS, THIRD PARTY FUNDS, AND NON-PERFORMING FINANCING ON THE LIQUIDITY OF ISLAMIC COMMERCIAL BANKS IN INDONESIA Ridwansyah 76 77. [FES. 002] EFFECT OF COMPANY SIZE, PROFITABILITY, AND ISLAMIC CORPORATE GOVERNANCE AGAINST DISCLOSURE OF ISLAMIC SOCIAL REPORTING Suhendar 77 78. [FES. 001] THE ROLE OF ISLAM CAPITAL AS A MODERATOR OF THE RELATIONSHIP BETWEEN ENTREPRENEURIAL BEHAVIOR ON INDIVIDUAL CAREER DEVELOPMENT IN MULTI LEVEL MARKETING TUPPERWARE DISTRIBUTORS IN BANDAR LAMPUNG CITY Vicky F Sanjaya 78 79. [THD. 002] MEDIATING EFFECT OF JOB SATISFACTION ON WORK STRESS TO CYBERLOAFING IN ISLAMIC BUSINESS ETHICS PERSPECTIVE (STUDY ON GENERATION Z EMPLOYEES IN BANDAR LAMPUNG) Weny Rosilawati, Muhammad Haddid Azizi 79 80. [FES. 009] ISLAMIC BUSINESS ANALYYSIS ON THE EFECTIVENESS OF MARKETING STRATEGY THROUGH SOCIAL MEDIA (STUDY ON MSMES IN BANDAR LAMPUNG CITY, INDONESIA) Mardhiyah Hayati, Yeni Susanti 80 81. [TGN. 012] THE INFLUENCE OF BIOLOGICAL ASSET INTENSITY, COMPANY SIZE, AND PROFITABILITY ON BIOLOGICAL ASSET DISCLOSURE IN AGRICULTURAL COMPANIES Lisa Oktavia, Dinda Fali Rifan, Any Eliza 81 82. [FES. 060] COMPARATIVE ANALYSIS OF THE FINANCIAL PERFORMANCE OF TELECOMMUNICATIONS COMPANIES JAKARTA ISLAMIC INDEX BEFORE AND DURING THE COVID-19 PANDEMIC Nur Wahyu Ningsih1 , Raizky Rienaldy Pramasha2 , Arifa Kurniawan3 , Nanda Audia4 82
xxvi 83. [FES. 059] DEVELOPMENT OF HALAL BLOCKCHAIN TOWARD INDONESIA’S ECONOMIC GROWTH Nihayatul Masykuroh, Hadi Peristiwo 83 84. [TGN. 019] MODELING COURSE OPEN DISTANCE LEARN ARTIFICIAL INTELLIGENT E-LEARNING Dr. Noor Azliza bt Zainal Abidin 84 85. [FES. 061] GENERATION Z INTEREST IN CONDUCTING SWITCHING BEHAVIOR IN SHARIA BANK IN BANTEN PROVINCE: A PUSHPULL MOORING APPROACH Aji Kukuh Pramudya, Fitri Zelina 85 86. [FES. 062] ANALYSIS OF THE EFFECT OF HEXAGON FRAUD ELEMENTS ON VILLAGE FUND FRAUD WITH RELIGIOSITY AS A MODERATING VARIABLE Revinda Gunanti, Any Eliza, Yetri Martika Sari 86 87. [FES. 063] EXPLORING THE DYNAMICS OF HALAL TOURISM RESEARCH IN INDONESIA: A BIBLIOMETRIC REVIEW AND ANALYSIS Rahayu Sulistiowati1 , Yulianto2 , Samsul Bakri3 , Maulana Mukhlis4 , Winda Septiani5 87 88. THE IMPACT OF FACTORY PRESENCE ON WOMEN WORKERS: BETWEEN ECONOMIC PROSPERITY AND DIVORCE Kharis Fadlullah Hana1 , Widi Savitri Andriasari2 , Arvani Oktaviyanti3 88 89. RISK MANAGEMENT IMPLEMENTATION IN THE DISTRIBUTION OF ZAKAT, INFAQ AND SEDEKAH (ZIS) FUNDS IN MUHAMMADIYAH AMIL ZAKAT INSTITUTION (LAZISMU) Anita Rachmawati1 , Murtadho Ridwan2 89 90. EFFECTIVE FORM OF SHARIA GREEN BANKING MARKETING STRATEGY IN THE INDUSTRIAL REVOLUTION 4.0 ERA Jeni Arifatus Salimah1 , Muhammad Iqbal Fasa2 , Suharto3 90 91. THE ROLE OF SHARIA ECONOMY IN POVERTY REDUCTION IN INDONESIA Dedi Satriawan1 , Rahmat2 91 92. THE CUSTOMER PROTECTION EFFORTS ON THE BMT ARE PROBLEMATIC Rizza Meiliani Iswandari1, Alya Rahma Audina2, Kharis Fadlullah Hana3 92
xxvii 93. SHARIA COMPLIANCE OF CENTRAL BANK DIGITAL CURRENCY IN INDONESIA: THOUGHTS OF CLASSICAL MUSLIM ECONOMIST Afidah Nur Aslamah 93 94. JOB DESCRIPTION AND WORK DISCIPLINE (CASE STUDY AT THE RIYADHUS SHOLIHIN ORPHAN AND DHUAFA BOARDING SCHOOL IN BANDAR LAMPUNG) Sovia Mas Ayu1 , Asmara Dewi2 , Mazaya Linda Shilmina3 94 95. THE ROLE OF GREEN BANKING IN INDONESIAN SHARIA BANK TOWARDS SUSTAINABLE DEVELOPMENT Arya Prastiyono1 , Muhammad Iqbal Fasa2 , Suharto3 95 96. TECHNOLOGY-BASED SHARIA BANKING SERVICE INNOVATION AS A FORM OF GREEN BANKING IMPLEMENTATION Bisri mustofa¹, Muhammad iqbal fasa², Suharto³ 96 97. ANALYSIS OF THE EFFECT OF THIRD-PARTY FINANCING AND FUNDS ON PROFITABILITY OF BANK MUAMALAT Ega Belahag Yusuf1 , Muhammad Iqbal Fasa2 , Suharto3 97 98. PUBLIC UNDERSTANDING ABOUT SHARIA BANKING (CASE STUDY IN ADI JAYA VILLAGE, TERBANGGI BESAR DISTRICT, CENTRAL LAMPUNG REGENCY Dhea Nisya Lufit Roisyah1 , Muhmmad Iqbal Fasa2 , Suharto3 98 99. THE INFLUENCE OF HALAL TOURISM ON INTEREST IN VISITING INDONESIA Maulia Nurjanah 1 , Muhmmad Ibal Fasa2 , Suharto3 99 100. INCREASING THE DEVELOPMENT OF THE HALAL FOOD INDUSTRY THROUGH ECONOMIC GROWTH IN INDONESIA Budimansyah1 , Oktiana Ni’maturrahmah Putri2 100
1 THE INFLUENCE OF E-SERVICE QUALITY, PRICE AND BRAND IMAGE ON PURCHASE INTENTION ISLAMIC PERSPECTIVE (CASE STUDY ON SHOPEE CUSTOMERS IN CILEGON CITY) Ana Sulfiya1 , Syihabudin2 , Ahyakudin3 Economy Sharia, Faculty Economy and Business, Sultan Ageng University Tirtayasa, Indonesia Anasulfiyaa@gmail.com, syihabudin@untirta.ac.id, Ahyakudin@untirta.ac.id Abstract. This study aims to investigate how consumers' purchase decisions are influenced by the quality, cost, and brand perception of e-services. The sampling strategy utilized in this study is simple random sampling because it is not possible to sample every consumer in the city of Cilegon. The study's sample consisted of 140 participants. The measurement method is the Likert scale, and the data collection method is a questionnaire. Among the analytical methods used are validity and reliability checks, normality checks, multicollinearity checks, heteroscedasticity checks, multiple linear regression analysis, hypothesis testing (t-test and ftest), and R2 tests for coefficient of determination. using IBM SPSS Statistics 23 as a statistical tool. The results showed a strong correlation between brand perception, pricing, and purchase intent and e-service excellence. Keywords: E-Service Quality, Price, Brand Image and Purchase Intention
2 THE EFFECT OF CAPITAL AND LABOR WAGES ON INCOME IN ISLAMIC ECONOMICS PERSPECTIVE; A CASE IN CV OF IBU KARTINI SERANG DISTRICT OF BANTEN PROVINCE Siti Umun, Moh. Mukhsin, Najmudin Faculty of Economics and Business, Universitas Sultan Ageng Tirtayasa sitiumun02@gmail.com, moh.mukhsin@untirta.ac.id, najmudin@untirta.ac.id Abstract. The purpose of this research is to find out whether capital has an influence on income and labor wages partially on income and the simultaneous effect of capital and labor wages on income in a company. The object of this research is Mrs. Kartini's CV in the village of Kadugenep Lighnting. The method applied is quantitative with multiple linear regression techniques. Data collection techniques used are interviews, observation and documentation. The test performed is the classical assumption test, partial test or and simultaneous test. Partially, capital affects income while labor wages have no effect on income. This is evidenced by the value of prob. capital of 0.0000 (<5% or 0.05) and a t-count of 8.970087 > t-table 1.67793 and labor wages of 0.1485 (> 5% or 0.05) and t-count of 1.480135 < t-table 1.67793. Meanwhile, simultaneously, capital and labor wages have an influence on the income of Mrs. Kartini's CV. This is evidenced by the results of the F test with an F-statistic value of 0.000000 (<5% or 0.05) and the F-count is 89.68561 > F-table 4.05 so it is said that capital and labor wages together have an influence income. And the R-squared value is 0.79440 which means that 79.44% of the income variable can be explained by capital and labor wages and the rest is explained by other factors. In the production process, CV Ibu Kartini uses capital that is not contrary to Islamic law and has provided fair and proper wages to workers in an Islamic view. Keywords: MSMEs, Capital, Labor Wages, Income.
3 INTEGRATION OF DIGITAL-BASED BANKING SERVICES ON CUSTOMER SATISFACTION (STUDY OF INDONESIAN ISLAMIC BANKS) Fadila Mawantika Abstract. The performance of Islamic banking in Indonesia in various regions on the economic growth of a country cannot be underestimated by anyone, as well as the existence of Islamic banking in global economic growth has received the highest recognition by various world economies. The purpose of this study is still about the factors of Islamic banking digitalization, banking services, trust and banking innovation and their influence on customer satisfaction. The population in the study were customers of Bank Syariah Indonesia Labuhanbatu Selatan Regency registered in December 2022, totaling 18,203 people. The sampling technique refers to the minimum sample size in PLS-SEM is 30-100 sample sizes, so the authors determine to use a sample of 100 people. The sample withdrawal technique chose purposive sampling technique, as for the consideration in the research of customers who saved for approximately 6 months. Data collection techniques using questionnaires (google form), interviews and written data or primary data. The author's data analysis technique uses SmartPLS 4.0 to prove any partial direct influence between the independent variable and the dependent variable. The results of this study 1) Islamic bank digitalization variables partially affect banking innovation, 2) Islamic bank digitalization variables partially affect customer satisfaction, 3) banking innovation variables partially affect customer satisfaction, 4) banking service variables partially affect banking innovation, 5) banking service variables partially affect customer satisfaction, 6) trust variables partially affect banking innovation and 7) trust variables partially have no positive and insignificant effect on customer satisfaction. Keywords: Islamic Banking Digitalization, Banking Services, Trust, Banking Innovation, Customer Satisfaction.
4 THE INFLUENCE OF HALAL LABELING, PRODUCT QUALITY, AND PRICE ON PURCHASING DECISIONS FOR TTEOKBOKKI PRODUCTS Abdullah Hadi1 , Dr. Moh. Mukhsin, SE., MM.2 abdullahhadi755@gmail.com1 , mohmukhsin.mm@gmail.com2 University of Sultan Ageng Tirtayasa, Faculty of Economics and Business12 Abstract. The goal is to find out the influence of halal labeling, product quality, and price on purchasing decisions on tteokbokki products. This study used literature studies and questionnaires with data collection techniques using a likert scale. The population of this study is students of Sharia Economics, University of Sultsn Ageng Tirtayasa. This type of research uses correlational research, which is a type of research with a problem characteristic in the form of a correlation relationship between two or more variables. As a result of data processing with SPSS Version 26, the r square value at the coefficient of determination of .374 or 37.4% of the variables of halal labeling, product quality, and price affect the variables of purchasing decisions. The regression equation obtained KP= -3.293+.721 LH- .076 KPr+.679+e. The calculated F value is 7.379 and the resulting Ftabel is 2.86. Fcount>Ftable (7.379>2.86), it mean Ho4 rejected and Ha4 accepted. It can be seen that simultaneously the variables of halal labeling, product quality, and price have a positive effect on purchasing decisions. But partially, product quality has no effect on purchasing decisions. Keywords: Halal Labeling, Product Quality, Price, Purchase Decision.
5 THE EFFECT OF ORGANIZATIONAL JUSTICE AND ISLAMIC WORK ETHOS ON JOB SATISFACTION AT EMPLOYEES PT. SUNJIN HJ. SERANG DISTRICT Muhammad Khaeru Fathurrohman1 ,Moh. Mukhsin2 Faculty of Economics and Business, Sultan Ageng Tirtayasa University, Serang District Jl. Raya Palka Km. 03 Sindangsari, Pabuaran, Serang District 5554200005@untirta.ac.id , moh.mukhsin@untirta.ac.id. Abstract. The purpose of this study was to find out the effect of organizational justice and Islamic work ethos toward job satisfaction at employees PT. Sunjin HJ. Serang District. This type of research with descriptive quantitative methods. The results showed (1) there is a positive and significance effect of organizational justice on job satisfaction. Shown by the value of t is greater than t table (3.833 > 2.021) and the value is smaller than the alpha value (0.000 < 0.05) (2) there is effect of Islamic work ethos on job satisfaction. Shown by the value of t is greater than t table (5.568 > 2.021) and the value is smaller than the alpha value (0.000 < 0.05), and (3) both organizational justice and Islamic work ethos have positive effect (69.4%) on job satisfaction at employees PT. Sunjin HJ. Serang District. While other factors (30.6%) also effect job satisfaction. Keywords: Organizational Justice, Islamic Work Ethos, Job Satisfaction
6 THE EFFECT OF COMPENSATION AND RELIGI0SITY VALUE ON EMPLOYEE PERFORMANCE AT PT BILINDO INFO SISTEMA Muhammad Luthfan karim1 , Moh. Mukhsin2 Sultan Ageng Tirtayasa University1,2 mluthfan010602@gmail.com, moh.mukhsin@untirta.ac.id Abstract. This study aims to find out and explore how the influence of compensation and individual Islamic religious values on employee performance at PT Bilindo Info Sistema. This study uses a quantitative method, using a questionnaire with a Likert scale which will be distributed to PT Bilindo Info Sistema and an in-depth survey will be carried out. Partially based results have been obtained, compensation has an effect on employee performance because the calculated t value is greater than t table (2.108 > 1.734) and religiosity does not significantly affect employee performance because the t calculated value is smaller than t table (1.423 < 1.734). Meanwhile, based on simultaneous, compensation and religiosity values affect employee performance because f count is greater than f table (2.798 > 0.985). Keywords: Compensation, individual Islamic religiosity, employee performance
7 MARKETING MODEL OF HAJJ SAVING PRODUCTS IN BMT BINA UMMAT SEJAHTERA BRANCH KLIWON Permata Sharoh Anisa1, Nabila Putri Dwi Wahyuni2 Kharis Fadlullah Hana,. M.E., RSA3 1,2Student of Islamic Banking Department, Faculty of Islamic Economics and Business, IAIN Kudus 3Supervisor of the Faculty of Islamic Economics and Business, IAIN Kudus anisa123@student.iainkudus.ac.id, nabilapdw@student.iainkudus.ac.id, kharis@iainkudus.ac.id Abstract. The existence of the phenomenon of age restrictions in the regulations set by the Saudi Arabian government made many people in the city of Meulaboh disappointed because they canceled the pilgrimage. So that the presence of hajj savings products at BSI KC Meulaboh Imam Bonjol can help and make customers aware of making plans in managing hajj funds from an early age. This study aims to determine the marketing strategy undertaken to attract customers to use hajj savings products and to analyze the supporting and inhibiting factors in marketing these haj savings products. The research method used is a qualitative method, with a descriptive field approach. The results of this study indicate that the marketing strategy implemented by BSI KC Meulaboh Imam Bonjol is in the form of a 7P service marketing mix strategy which includes product, price, place, promotion, people, physical evidence, and process strategies with several supporting and inhibiting factors for marketers. Keywords: Marketing strategy, service marketing mix, 7P marketing mix, hajj savings.
8 ANALYSIS OF THE IMPLEMENTATION OF ISLAMIC BUSINESS ETHICS ON THE BEHAVIOR OF TRADERS IN THE KUKUN TRADITIONAL MARKET (STUDY ON KUKUN TRADITIONAL MARKET TRADERS, RAJEG DISTRICT) Wahyu Nabil Afifah1 , Moh Mukhsin2 Universitas Sultan Ageng Tirtayasa, Indonesia , wahyunabilafifah20@gmail.com, moh.mukhsin@untirta.ac.id Abstract: The purpose of this study is to find out whether Islamic business ethics have been applied by traders in the Kukun traditional market. This type of research is field research with descriptive qualitative methods. The results of this study indicate that Kukun Traditional Market traders have not fully implemented the principles of Islamic business ethics in their buying and selling activities. Because in buying and selling transactions at the Kukun Traditional Market there are still traders who do not apply Islamic business ethics in their buying and selling transactions such as not praying, reducing the scales, still borrowing money from moneylenders or conventional banks, unfriendly attitudes and different treatment of buyers. Keywords: Islamic Business Ethics, Trader Behavior, Traditional Markets
9 USE OF SHARIA E-MONEY IN GENERATION Z BETWEEN NEEDS AND DESIRE Sinta Andriani¹, Eka Agustin², Kharis Fadlullah Hana³ Islamic Banking Study Program, IAIN Kudus sinta.iain@student.iainkudus.ac.id¹, ekaagustin745@gmail.com² Abstract. Sharia e-money is a form of electronic money in Indonesia where this product is adapted to sharia principles. Sharia e-money products have been regulated by the Indonesian government through the OJK or the financial services authority and must be issued by an authorized institution and have been supervised by the OJK itself. In addition, Sharia gold providers must also ensure that funds that have been deposited by customers will be managed consistently according to financial principles, such as avoiding usury, gharar and maysir. Overall, sharia e-money in Indonesia provides an alternative choice for consumers who want to use an electronic payment system that complies with Islamic sharia principles. The research data was conducted through interviews from April 28 to 29 2023 with 10 respondents. Through the results of the interviews, the data were processed in depth in order to produce accurate and precise research. The method used using qualitative methods. Qualitative method is research that is descriptive in nature and tends to have an analysis with an inductive approach. The purpose of this research is to obtain data where the researcher can compare the use of Islamic e-money in generation z. Is Islamic e-money really a daily necessity or a basic need or just a lifestyle to make it look modern. Keywords: Needs and desires, sharia e-money, generation z
10 THE EFFECT OF ECONOMIC POLICY UNCERTAINTY IN AMERICAN AND CHINESE, WORLD OIL PRICES, GROSS DOMESTIC PRODUCT (GDP), AND INFLATION ON THE INDONESIAN SHARIA STOCK INDEX (ISSI) FOR THE 2015-2022 PERIOD Nia Mulyaningsih1 , Moh. Mukhsin2 , Ahmad Fatoni3 5554190022@untirta.ac.id1 , moh.mukhsin@untirta.ac.id2 , ahmadfatoni@untirta.ac.id3 Jurusan Ekonomi Syariah, Fakultas Ekonomi dan Bisnis, Universitas Sultan Ageng Tirtayasa123 Abstract. This research tries to examine the effect of economic uncertainty in America and China, world oil prices, gross domestic product (GDP), and inflation on the Indonesian Islamic Stock Index (ISSI). Time series data are used in this study using the Error Correction Model (ECM) methodology. The data used is quarterly data for each variable in the 2015- 2022 period. The results showed that US EPU, China EPU, GDP, and inflation had a positively insignificant effect on the Indonesian sharia stock index (ISSI) in the long run. Meanwhile, world oil prices have a significant positive effect on the Indonesian sharia stock index (ISSI) in the long term. While in the short term, US EPU, China EPU, and GDP have a negative and insignificant effect on the Indonesian sharia stock index (ISSI). Meanwhile, world oil prices and inflation have a positive and insignificant effect on the Indonesian sharia stock index (ISSI) in the short term. Keywords: Economic Policy Uncertainty, World Oil Price, GDP, Inflasi, Sharia Stock Index
11 THE INFLUENCE OF DIGITAL WALLETS IN INCREASING BUSINESS IN THE F&BAND ONLINE SHOP FIELDS Wina Mardhatillah Vinnisa, and Moh. Mukhsin Faculty of Economics and Business, Sultan Ageng Tirtayasa UniversityJl. Raya Palka Km. 03 Sindangsari, Pabuaran District, Serang Regency 5554200007@untirta.ac.id, moh.mukhsin@untirta.ac.id Abstract. This study aims to determine how influential digital wallets are in increasing businesses in the field of food and beverage and online shops. Researchers took a descriptive quantitative research method. From the results of the study, digital wallets have a positive and significant effect on increasing sales in the Food and Beverage sector. Then it also shows significantly and positively that digital wallets have an effect on increasing business sales in the Online Shop. Furthermore, the results of this study also show together that there is an influence between increasing Food and Beverage sales and increasing Online Shop business on Digital Wallet with contributions of 56.767% and 4.434%. Keywords: digital wallet, food and beverage, and online shop.
12 THE EFFECT OF HALAL LABEL, PRICE, AND HALAL AWARENESS TO PURCHASE INTENTION COSMETIC PRODUCTS (Case Study of Muslim Consumers in Cilegon City) Risma Wardani Sharia Economics, Faculty of Economics and Business, Sultan Ageng Tirtayasa University Email: 5554180002@untirta.ac.id Syihabudin Sharia Economics, Faculty of Economics and Business, Sultan Ageng Tirtayasa University Email: syihabudin@untirta.ac.id M. Ainun Najib Sharia Economics, Faculty of Economics and Business, Sultan Ageng Tirtayasa University Email: muh.ainunnajib@untirta.ac.id Abstract. This study aims of this research is to ascertain there is influence either partially or simultaneously on halal variables, prices, and halal awareness on purchasing interest in cosmetic products interest in cosmetic products (a case study of Muslim consumers in Cilegon City). This study used a quantitative. Data collection techniques used were questionnaires and interviews. The goal of this research is Muslim consumers in the city of Cilegon who use cosmetic products. The tests used in this study are instrument multiple linear regression tests, traditional assumption tests, and hypothesis testing (t and f tests). As for the results of the study, It is obvious that the halal label does not have a positive effect on the interest in buying cosmetic products, which can be seen from the resultsthitung = 0,698 ≤ ttabel 1.991 and a Sig value of 0.487 > 0.05 . Price has a positive and significant effect on buying interest in cosmetic products, which can be seen from the results thitung = 3,380 ≥ ttabel = 1,991 and a Sig value of 0.001 <0.05. Halal awareness has a positive and significant effect on purchase intention of cosmetic products seen from the results thitung = 3,302 ≥ ttabel = 1,991 and a Sig value of 0.001 <0.05. Whereas simultaneously the halal label variable (X1) price (X2) and halal awareness (X3) have a positive and significant effect on purchase intention (Y) as evidenced by the results of the f test, namely the value Fhitung= 12.324≥ Ftabel = 2.72 with a level of significance of 0.00 <0.05. The influence's contribution of the halal label, price, and awareness on buying interest in cosmetic products (a case study of Muslim consumers in Cilegon city) can be seen from the adjusted R-square value of 30.1%, with the remaining 69% being influenced by factors that were not included. Keywords: Purchase Intention, Halal Label, Price, Halal Awareness, Cosmetics
13 DISTRIBUTION EFFECTIVENESS FUND HELP PRODUCTIVE BUSINESS MICRO (BPUM)TO PARA PERPETRATOR EFFORT MICRO SMALL INTERMEDIATE (UMKM) (Case Study on Smes in Tangerang) Amalia Prima Regita Erly Saputri and Moh. Mukhsin Faculty of Economics and Business, Sultan Ageng Tirtayasa University Jl. Raya Palka Km. 03 Sindangsari, Pabuaran District, Serang Regency 5554200038@untirta.ac.id , moh.mukhsin@untirta.ac.id Abstract. The Covid-19 pandemic paralyzed the nation's economy, especially in the MSME sector, in addition to the public health system. For this reason, the government is running a national economic recovery program, one of which is by providing business capital to BPUMs or small business actors. The purpose of this research is to find out the effectiveness of distributing BPUM funds to MSMEs in Tangerang and what are the requirements for registering BPUMs and the mechanism for channeling BPUM funds to MSME actors. This study uses research methods and qualitative research types that are descriptive in nature. The data source uses secondary data sources. Because the data source in this study is secondary data, the appropriate method to use is the library method and the documentation method. The data analysis technique uses the Miles and Huberman data analysis model which includes data editing, data elaboration, and drawing conclusions. Keywords: BPUM, MSME
14 EFFORTS TO HANDLE PROBLEMATIC FINANCING AT BSI KCP KUDUS Winda Novitasari1 Thoyyib Zainul Arifin2 E-mail: novitaw139@gmail.com Thoyekmbendol@gmail.com kharis@iainkudus.ac.id Abstract. 5C and 7P analysis and feasibility analysis are analyzes used by financial institutions/banks in anticipating bad loans including for Bank BNI, Tbk and Bank BRI, Tbk. Besides being more detailed, the 7P principles also have a wider range of analysis than the 5C. The principle of credit analysis with 5C it self consists of: Character, capacity, capital, collateral, and conditions. While the principles of analysis using the 7Ps are: Personality, Party, Purpose, Prospect, Payment, Protability, and Protection. Bank Syariah Indonesia, Kudus Branch has a strategy in conducting financing analysis, namely on the character of prospective customers, they check from deep data (BI Checking). Keywords: Problem financing, 1S 5C 7P principles
15 THE IMPACT OF BMT ON THE WELFARE OF MARKET TRADERS IN KUDUS Fradela Putri Anggraeni¹, Purna Wahyudi², Kharis Fadlullah Hana3 Email:fradela03@student.iainkudus.ac.id1 , purwahyudi27@gmail.com2, kharis@iainkudus.ac.id3 Institut Agama Islam Negeri Kudus Abstract. The business world is an industrial world that is very supportive of the country's economic recovery. Many Indonesians depend on the business industry, especially the lower class. Kudus City has long been a client of the City of Commerce, so that many residents of the City of Kudus depend on the commercial industry for their livelihood. However, the need for support for business development is still minimal. With these problems, BMT and even Islamic banks can become the main channel to support the development of the business sector in the market which was initially a problem. The purpose of this study was to determine the effect of BMT on the welfare of market traders in the Kudus City. This research uses descriptive qualitative research. Information obtained from journal references related. Besides that, it can also be from online media, Keywords:Trade, Industrial, BMT, Kudus.
16 WHAT GUARANTEES THE INDONESIAN SHARIA BANK (BSI) IS SHARIA COMPLIANT? Inka Natasya Damayanti1 , Mar’atus Sholihah2 , Kharis Fadlullah Hana3 Department of Islamic Banking, Faculty of Islamic Economics and Business, IAIN Kudus E-mail: inkand@student.iainkudus.ac.id1 , maratuss05@student.iainkudus.ac.id2 , kharis@iainkudus.ac.id3 Abstract. Islamic banking products which are an illustration of Islamic banking that implements sharia compliance and requires the application of sharia principles in the collection and distribution of funds are the subject of this research. The purpose of this study is to find out how the value and basic principles that must be met in carrying out or carrying out shariabased financing activities. One thing that must be maintained in this discussion is to continue to criticize the values of the measure of truth. The research method used is descriptive qualitative method, the data in this study were obtained from primary data and secondary data. Data collection techniques used are observation, interviews, and documentation. The data analysis techniques are data collection, data reduction, data presentation and conclusion. The results of this study indicate that the products of Bank Syariah Indonesia KCP Demak are carried out in accordance with Islamic banking regulations to prevent the sale of usury, gharar, maisir, and other illegal products. In terms of how supervision affects the application of sharia principles to Bank Syariah Indonesia KCP Demak products, the supervision carried out by DPS has a very positive effect on the implementation of sharia compliance because the products offered have rules based on fatwas issued by DSN-MUI so that sharia can be ascertained. Keywords: Sharia Compliance, Sharia Principles, Sharia Bank
17 THE EFFECT OF MODERN MARKETING MIX ON CUSTOMER DECISIONS TO SAVING IN BSI KUDUS Arum Lila Anduweni1 , Atika Nur Faizah2 , Kharis Fadlullah Hana,M.E., RSA3 Islamic Banking Study Program, IAIN Kudus E-mail: arumlila07@student.iainkudus.ac.id1 , atika@student.iainkudus.ac.id2, Kharis@iainkudus.ac.id3 Abstract. Currently the number of banks in Indonesia has reached 115 banks (OJK). Increasing the number of banks will have an impact on increasing the level of competition. Marketing is one of the main activities for companies to maintain the company’s existence to develop and earn profits. This study aims to determine the effect of the marketing mix (product, price, location, and promotion) on customers’ decisions to save at BSI Kudus. This study used a sample of 50 respondents using accidental sampling technique. Data analysis technique using multiple linear regression analysis. The results of the study show that product, location have a significant effect on customers’ decisions to save while price, promotions have no significant effect on customers’ decisions to save at BSI Kudus. Keywords: Product, Price, Location, Promotion, Customer's Decision to Save
18 LEGAL PROTECTION MEASURES FOR CUSTOMERS OF DIGITAL SHARIA BANK Husnul Qorifata husnulqorifata0112@gmail.com Febriyana Ayu Eka Putri febryanputri05@gmail.com Kharis Fadlullah Hana, M.E.,RSA kharis@iainkudus.ac.id Abstract. Banking is one of the financial services industries that plays an important role in terms of increasing economic activity. A form of change and utilization of the momentum of change in this era presents new breakthroughs from various fields as well as the banking sector. In the conventional era, the Bank has transformed by providing digital banking services. The development of information technology in the digitalization era affects various aspects of people's lives, especially in the financial services sector. Where is this digitalization era also driving the shift of various financial institutions that were originally conventional to digital. Customer protection for the implementation of digital banking services can be done by preventing or overcoming conditions that are not expected later by customers through laws and regulations, this protection is known as preventive protection. . Legal Protection for Customers of Islamic Digital Banks in dealing with both technical and non-technical risks faced by customers and banks in line with the principle of bank secrecy. The first is the absolute theory which states "banks have an obligation to keep secrets or information about their customers which the bank knows because of its business activities under any circumstances, under ordinary circumstances or under extraordinary circumstances". Keywords: Banking, Digital Bank, Legal Protection, Customers, Digitalization.
19 ANALYSIS OF THE INFLUENCE OF DOMESTIC MACROECONOMIC AND GLOBAL MACRO ECONOMIC VARIABLES ON THE INDONESIAN SHARIA STOCK INDEX (ISSI) PERIOD 2017-2022 Putri Ayu Agustina Siagian, S.E1 , Sokhikhatul Mawadah, M.E.I2 1 pa355138@gmail.com, 2 sokhikhatulmawadah@walisongo.ac.id UIN Walisongo Semarang, Abstract. This study aims to determine the effect of macroeconomic variables consisting of Inflation, Exchange Rate, BI Rate, and World Gold Prices on the Indonesian Sharia Stock Index (ISSI) with an observation period of 2017-2022. The data used in this study is secondary data in the form of monthly time series data consisting of monthly data on inflation variables, exchange rate changes, BI Rate and World Gold Prices. The analytical method used is multiple linear regression analysis which has previously passed the classical assumption test, hypothesis testing (t test and F test), and coefficient of determination test (R2). Data processing uses the SPSS 16 application. The results of the simultaneous hypothesis (F-test) show that inflation, exchange rates, the BI Rate, and the World Gold Price have a significant effect on the Indonesian Sharia Stock Index (ISSI). Based on the partial results of the hypothesis (t-test) it shows that inflation, exchange rates and world gold prices have a significant effect on the Indonesian Sharia Stock Index (ISSI). Meanwhile, the BI Rate has no significant effect on the Indonesian Sharia Stock Index (ISSI). Keywords : ISSI, Inflation, Exchange Rate, BI Rate, World Gold Price.
20 BSI SMART AGENT IN KUDUS: OPPORTUNITIES AND CHALLENGES Novita Putri Jenisetyanto1 , Wahyu Meilisa Hafsari 2 2 , Nabila Izzatin Nisa3 Department of Sharia Banking, Faculty of Islamic Economics and Business, IAIN State Islamic Institute E-mail: jeni280702@student.iainkudus.ac.id, meilisa@student.iainkudus.ac.id, nabilainisa@student.iainkudus.ac.id, kharis@iainkudus.ac.id Abstract. The hope for BSI to become an instrument for supporting the local community's economy, even at the national level, must be realized immediately so that it can remain competitive. Bank Syariah Indonesia has innovated by providing services through collaboration with agents without establishing a physical office. This certainly has its own opportunities and challenges for Islamic Banks. Therefore, the purpose of this research is to find out the opportunities and challenges faced by BSI Smart Agents in Kudus . This study uses a qualitative descriptive approach by collecting data through interviews and literature review. The results of research conducted on one of the BSI Smart Agents show that BSI has the main opportunity to be supported by the surrounding environment because there are not too many BSI Smart agents available, so competition between BSI Smart agents is not too big even with BSI Smart features. inovative products provide high opportunities to increase maximum profits despite the challenges faced by other bank agents. Keywords: Opportunity, Challenge, BSI Smart Agent
21 FORCE MAJEURE PARAMETER ANALYSIS OF THE IMPLEMENTATION OF TA’WIDH AND TA’ZIR SYSTEM IN ISLAMIC BANKING Gusti Khairina Shofia Jl. Ahmad yani Km. 6 Banjarmasin, South Kalimantan gustishofia@gmail.com Abstract. Ta’zir is a sanction for a customer who deliberately violates the contract and the acquisition cost is determined as a social fund, while Ta’wid is compensation for losses that can be calculated and become bank income. This paper aims to find out and describe the implementation of ta’wid and ta’zir for troubled financing customers in Islamic banks and to find out how the force majeure criteria and parameters for financing customers affected by Covid-19 are applied in determining ta’wid and ta’zir instruments. This research is qualitative research using library sources. The method used is descriptive-analytical, from the results of the research, it is known that the application of ta’wid and ta’zir is an anticipatory action and is aimed at making customers disciplined in carrying out their contracts. This instrument cannot be applied to customers who experience force majeure conditions and the provisions are contained in articles 1244 and 1245 of the Civil Code. The condition of the Covid-19 pandemic can be used as an excuse for a force majeure condition, due to the 2020 Regulation of the Minister of Health no. 9 concerning restrictions on community activities. However, force majeure conditions due to Covid-19 cannot be an excuse to be able to eliminate obligations in the contract agreement. Restructuring is a solution to problematic financing caused by Covid19 The easing of the pandemic eliminates the force majeure status for customers with problematic financing due to Covid-19 and is in line with ongoing financing, if the customer defaults ta’wid or ta’zir can be imposed. This instrument is regulated in the provisions of the DSN fatwa No 43/DSN-MUI/Provision VIII/2004 regarding Ta’wid compensation and DSN fata no. 17/DSN- MUI/IX/2000. Keywords: Ta’zir, Ta’wid, Force Majeure.
22 EXPLORING THE ADVANTAGES AND CHALLENGES OF ISLAMIC BANKING AND FINANCE 1Aprilliantoni Unisma Bekasi Abstract. This paper explores the advantages and challenges of Islamic banking and finance. Islamic finance is a growing sector in the global financial industry, with its unique features and principles that differentiate it from conventional finance. The paper delves into the advantages of Islamic finance, such as its ethical and socially responsible nature, and its potential for financial stability. On the other hand, the challenges of Islamic finance are also discussed, including the lack of standardization and harmonization among Islamic financial institutions, the complexity of Islamic financial products, and the shortage of skilled professionals in the field. Overall, the paper aims to provide a comprehensive overview of the advantages and challenges of Islamic banking and finance. This study also compares Islamic Banks with Social Banks in GABV, which are two types of ethical financial institutions, which have successfully escaped the financial crisis, compared to conventional banking which is only profit-oriented, namely banks that must be liquidated or receive bailout funds when the global crisis occurs. Keyword: Islamic Banking, Advantages, Challenges
23 LITERACY LEVEL OF ISLAMIC BANK IN MARGINALIZED COMMUNITIES (Hadipolo Kudus Community Case Study) Seli Ela Septiana¹, Novi Lorenzia Putri², Kharis Fadlullah Hana3 1,2,3 Departement of Islamic Banking, Faculty of Islamic and Business, IAIN Kudus. Email1 : selielasept@student.ac.id Email2 : novirnzia@student.iainkudus.ac.id Email3 : kharis@iainkudus.ac.id Abstract. This research is motivated by the lack of literacy of marginalized communities in saving at Islamic banks where based on the results of previous observations that have been made, that most of the people have transacted at conventional banks. Factors such as location, environmental conditions, interests, promotions, and the like have influenced them to save their money in Islamic banks. This study uses a qualitative approach and qualitative descriptive data analysis. The results of this study indicate that Islamic banking education has an effect on people's interest in saving. Education carried out by Islamic banks allows people to understand the true meaning of Islamic banking. However, they have not fully utilized the services of Islamic banks. The recommendations in this study need to increase promotion and socialization from Islamic Banking Indonesia, such as in collaboration with students or stakeholders from villages who will be given this socialization. Keywords: literacy, education, level of savings and marginalized communities.