The Effect of Religiusity, Profit and Loss Sharing, and Promotion on Consumer Intention to Financing in Islamic Bank toward Trust as an Intervening Variable
Abstract: The purpose of this study was to determine the effect of Religiosity, perception of profit-sharing, and promotion on public interest in Islamic bank financing with trust as an intervening variable. The research sample is 384 respondents. The research method used is a quantitative approach with multiple regression analysis and Sobel Test using the help of the IBM SPSS Version 26 program. The results of this study are that Religiosity has no significant effect on interest in financing, while perceptions of profi… Show more
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Islamic banks, which are one of the contributors to the national economy, have the potential to develop their existence. The existence of a large number of Muslim communities is an opportunity for the growth of Islamic banks. This study was conducted to analyze the intentions of students in Lampung Province is using Islamic bank products. The variables used in analyzing intentions in this study are religiosity, trustworthiness, and marketing communication (relationship marketing, advertising, and perceived ease of use). This research belongs to the category of quantitative research that comes from primary data in the form of structured interviews in the form of questionnaires and secondary data sources obtained from related literature studies. The analysis tool uses Structural Equation Modeling -Partial Least Square (SEM-PLS). The results of the study indicate that religiosity, trust, and marketing communication (relationship marketing, advertising, and perceived ease of use) affect students' intentions to use Islamic bank products, religiosity also affects trust in using Islamic bank products. This has implications for Islamic banks for the need for marketing communications that better meet student expectations. Providing a good perception of benefits regarding Islamic teachings and individual benefits is also needed to increase students' trust and religious attitudes towards Islamic banks.
Islamic banks, which are one of the contributors to the national economy, have the potential to develop their existence. The existence of a large number of Muslim communities is an opportunity for the growth of Islamic banks. This study was conducted to analyze the intentions of students in Lampung Province is using Islamic bank products. The variables used in analyzing intentions in this study are religiosity, trustworthiness, and marketing communication (relationship marketing, advertising, and perceived ease of use). This research belongs to the category of quantitative research that comes from primary data in the form of structured interviews in the form of questionnaires and secondary data sources obtained from related literature studies. The analysis tool uses Structural Equation Modeling -Partial Least Square (SEM-PLS). The results of the study indicate that religiosity, trust, and marketing communication (relationship marketing, advertising, and perceived ease of use) affect students' intentions to use Islamic bank products, religiosity also affects trust in using Islamic bank products. This has implications for Islamic banks for the need for marketing communications that better meet student expectations. Providing a good perception of benefits regarding Islamic teachings and individual benefits is also needed to increase students' trust and religious attitudes towards Islamic banks.
Analysis of Literacy Levels and Determinant the Purchase of Halal Cosmetics and Skincare among High School Students
Saat ini kosmetik menjadi barang yang wajib dimiliki dalam kehidupan sehari-hari yang tidak hanya digunakan oleh wanita, tetapi juga pria. Umat muslim saat ini sangat memperhatikan kehalalan makanan yang dikonsumsi, termasuk kehalalan kosmetik yang digunakan. Oleh karena itu, penelitian ini bertujuan untuk mengetahui tingkat literasi dan faktor-faktor yang mempengaruhi keputusan siswa Sekolah Menengah Atas (SMA) di Kota Bogor dalam pembelian produk kosmetik halal. Analisis data yang dilakukan dalam penelitian ini menggunakan metode analisis deskriptif kuantitatif dan metodeStructural Equation Model – Partial Least Squares (SEM-PLS). Analisis deskriptif digunakan untuk mendeskripsikan tingkat literasi siswa, sedangkan analisis SEM-PLS digunakan untuk mengetahui faktor-faktor yang mempengaruhi keputusan pembelian kosmetik dan skincare halal pada siswa. Hasil penelitian ini menunjukkan bahwa kegiatan penyampaian materi yang dilakukan oleh peneliti memberikan dampak positif terhadap peningkatan literasi halal di kalangan pelajar SMA di Kota Bogor. Sementara itu, hasil analisis SEM-PLS menunjukkan adanya pengaruh positif dan signifikan antara labelisasi halal terhadap keputusan pembelian kosmetik dan skincare halal di kalangan pelajar SMA.Sedangkan Islamic branding, harga, dan promosi tidak berpengaruh signifkan.
Determination of the Intention of MSMEs Owners Using Sharia Cooperatives in Improving Indonesian Islamic Economic Empowerment
ABSTRAK Penurunan profit bisnis kecil akibat implikasi ekonomi pasca pandemi COVID-19. Persoalan struktur permodalan menjadi kendala dalam mempertahankan dan meningkatkan usahanya secara terus menerus seiring kerubahan zaman. Koperasi Syariah sebagai salah satu lembaga keuangan Islam yang keislaman lebih dekat secara eksistensi maupun teritorial dengan masyarakat tingkat bawah sehingga menjadi alternatif pengembangan usaha masyarakat secara syariah sesuai persyaratan yang diberikan. Studi ini bertujuan untuk untuk menganalisis pengaruh literasi keuangan syariah dalam sikap, pengaruh sosial dan self-efficacy terhadap perilaku pemanfaatan produk koperasi syariah di Indonesia. Studi kuantitatif survey online dengan melibatkan 280 calon anggota koperasi syariah yang membutuhkan pembiayaan dan merupakan pemilik UMKM dijalankan dengan teknik analisis SEM PLS. Hasil studi menunjukkan pengaruh literasi keuangan terhadap sikap, pengaruh sosial dan self-efficacy lalu dilanjutkan arah jalur dukungan hipotesis terhadap niat untuk memilih Koperasi Syariah sebagai solusi kebutuhan finansial UMKM ditemukan. Strategi manajerial khususnya pemasaran dikembangkan dengan mempertimbangkan efek sikap positif, pengaruh sosial dan efikasi diri calon anggota sebagai pemilik bisnis atau produk keuangan syariah yang akan mereka tawarkan kepada pelanggan mereka akan berkontribusi pada pertumbuhan sektor UMKM khususnya UMKM Generasi Millenial dan UMKM Hijau di Indonesia melalui upaya promosi dan kerjasama. Kata Kunci: ASE Model, Ekonomi Islam, Koperasi Syariah, Pemberdayaan, UMKM.  ABSTRACT The decline in small business profits due to the post-COVID-19 pandemic economy. The issue of capital structure is an obstacle in maintaining and increasing development continuously in line with the changing times. Sharia cooperatives as one of the Islamic financial institutions are closer in existence and territorially to the lower level of society so that they become an alternative for community business development in accordance with the requirements given. This study aims to analyze the effect of Islamic financial literacy on attitudes, social influence and self-efficacy on the application of Islamic cooperative products in Indonesia. Quantitative study of online surveys involving 280 prospective members of Islamic cooperatives who need financing and are MSME owners carried out with the PLS SEM analysis technique. The results of the study show the effect of financial literacy on attitudes, social influence and self-efficacy, then choosing the direction of hypothesis support for the intention to find Islamic Cooperatives as a solution to the financial needs of MSMEs. Managerial strategies especially marketing that are developed taking into account the effects of positive attitudes, social influence and self-efficacy of prospective members as owners or Islamic financial products that they will offer to their customers will increase the growth of the MSME sector, especially Millennial Generation MSMEs and Green MSMEs in Indonesia through promotional efforts and cooperation. Keywords: ASE Model, Islamic Economics, Sharia Cooperatives, Empowerment, MSMEs.  REFERENCES Abourrig, A. (2021). Social influence in predicting Islamic banking acceptance: Evidence from Morocco. International Journal of Accounting, Finance, Auditing, 2(2), 42–56. https://doi.org/10.5281/zenodo.4641472 Ajzen, I. (1991a). The theory of planned behavior. Organizational Behavior and Human Decision Processes, 50(2), 179–211. https://doi.org/10.1016/0749-5978(91)90020-T Ajzen, I. (1991b). The theory of planned behavior. 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