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All Journal ESENSI: JURNAL BISNIS DAN MANAJEMEN Al-Iqtishad : Jurnal Ilmu Ekonomi Syariah (Journal of Islamic Economics) IQTISHADIA TARBIYA : Journal Education in Muslim Society Liquidity: Jurnal Riset Akuntansi dan Manajemen Jurnal Ilmiah Manajemen Ubhara Iqtishadia: Jurnal Kajian Ekonomi dan Bisnis Islam Business and Entrepreneurial Review
Muniaty Aisyah, Muniaty
UIN Syarif Hidayatullah Jakarta
Religion Decision Sciences, Operations Research & Management Economics, Econometrics & Finance Education Social Sciences

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The Mudharabah Savings Demand among the Member of Islamic Financial Service Cooperatives in Bogor Aisyah, Muniaty; Umiyati, U.
IQTISHADIA Vol 11, No 2 (2018): IQTISHADIA
Publisher : Ekonomi Syariah IAIN Kudus

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.21043/iqtishadia.v11i2.3179

Abstract

The Islamic Financial Service Cooperative or Baitul Maal wa Tamwil (BMT) is potential to become an effective economic driving forcefor micro and small businesses in Indonesia due to its ability to raise public funds. Nevertheless, BMT experiences many obstacles, one of which in marketing. It needs a better understanding of its member behavior that could predict the demand of its products and services. This research aimed to examine the members’ demand on Mudharabah savings of BMT in Bogor, by using the multiple linear regression analysis. The finding shows that the service quality does not influence the members’ decision to use Mudharabah savings because the services provided by BMT are below of members’ expectation, thus, they need to enhance their service quality. This research sheds the light on some strategies in order to improve service quality of BMT in Indonesia.
The Mudharabah Savings Demand among the Member of Islamic Financial Service Cooperatives in Bogor Aisyah, Muniaty; Umiyati, U.
IQTISHADIA Vol 11, No 2 (2018): IQTISHADIA
Publisher : Ekonomi Syariah IAIN Kudus

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.21043/iqtishadia.v11i2.3179

Abstract

The Islamic Financial Service Cooperative or Baitul Maal wa Tamwil (BMT) is potential to become an effective economic driving forcefor micro and small businesses in Indonesia due to its ability to raise public funds. Nevertheless, BMT experiences many obstacles, one of which in marketing. It needs a better understanding of its member behavior that could predict the demand of its products and services. This research aimed to examine the members’ demand on Mudharabah savings of BMT in Bogor, by using the multiple linear regression analysis. The finding shows that the service quality does not influence the members’ decision to use Mudharabah savings because the services provided by BMT are below of members’ expectation, thus, they need to enhance their service quality. This research sheds the light on some strategies in order to improve service quality of BMT in Indonesia.
THE ROLE OF ZAKAH AND BINARY ECONOMICS IN POVERTY REDUCTION Muniaty Aisyah
Esensi: Jurnal Bisnis dan Manajemen Vol 4, No 2 (2014): Agustus 2014
Publisher : Faculty of Economic and Business

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.15408/ess.v4i2.1964

Abstract

Poverty reduction remains the most important challenge for every countries. Zakah, as an Islamic faith-based institution, is a strategic tool for combating poverty.  This study aims to identify the role of zakah and compare its principles with an overview of the characteristics and practices within binary economics which also provides a systemic solution for poverty. The study shows that zakah has an essential role to  the economic growth and poverty reduction in Muslim community, as well as, binary economics which also offers a way of enhanching everyone’s economic well-being and fundamentally different from all forms of conventional economics.DOI: 10.15408/ess.v4i1.1964
Pengaruh Kualitas Pelayanan Terhadap Keputusan Nasabah Dengan Religious Behaviour Sebagai Variabel Moderator (Studi Kasus Pada Produk Tabungan BNI Syariah) Muniaty Aisyah; Umiyati Umiyati; Riyan Apriansyah
Liquidity: Jurnal Riset Akuntansi dan Manajemen Vol 6 No 2 (2017)
Publisher : Institut Teknologi dan Bisnis Ahmad Dahlan Jakarta

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.32546/lq.v6i2.29

Abstract

The purpose of this study to analyze the effect of the Decision of the Customer Service Quality as Religious Behavior as a moderator variable. The case study on savings products BNI Syariah in Jabodetabek and Banten. The data used in this study are primary data collected from 255 respondents who are customers of BNI Syariah who open a savings account at the office of Greater Jakarta and Banten. The sampling technique used in this study is a convenience sampling method, the data later in the process by using Structural Equation Modeling (SEM) using a 8.80 Lisrel program.The results of this study indicate that the Service Quality directly influence the customer's decision and Religious Behavior moderating influence to the Decision of the Customer Service Quality.
Peer Group Effects on Moslem Consumer’s Decision To Purchase Halal Labeled Cosmetics. Muniaty Aisyah
Al-Iqtishad: Jurnal Ilmu Ekonomi Syariah Vol 7, No 2: July 2015
Publisher : Faculty of Shariah and Law, UIN Syarif Hidayatullah Jakarta

Show Abstract | Download Original | Original Source | Check in Google Scholar | Full PDF (288.441 KB) | DOI: 10.15408/aiq.v7i2.1682

Abstract

The purposes of this research are to analyze peer group effects on Moslem consumers’decision to purchase halal-labeled cosmetics directly and indirectly which is mediated by consumers’ religious behavior. This research applies Structural Equation Model and convenience random sampling with 215 samples who have bought halal-labeled cosmeticsand live in Southern Tangerang. The findings show that: first, peer groupdirectly affect consumers’ decisionto purchase halal-labeled cosmetics; second, hablumminannas behavior mediates peer group and consumers’decision to purchase halal-labeled cosmeticsindirectly, third, hablumminallah behavior has the most dominant effect on Moslem consumers’ decision to purchase halal-labeled cosmetics. Based on the findings, it could be concluded that the reason of consumers’ decision to purchase halal-labeled cosmetics is because their religious behavior are high. Therefore, it is suggested that government and related institutions need to implement the Security Act of Halal Products immediately in order to protect the consumer from consuming non-halal productsDOI: 10.15408/aiq.v7i2.1682
Islamic Bank Service Quality and Its Impact on Indonesian Customers’ Satisfaction and Loyalty Muniaty Aisyah
Al-Iqtishad: Jurnal Ilmu Ekonomi Syariah Vol 10, No 2: July 2018
Publisher : Faculty of Shariah and Law, UIN Syarif Hidayatullah Jakarta

Show Abstract | Download Original | Original Source | Check in Google Scholar | Full PDF (296.777 KB) | DOI: 10.15408/aiq.v10i2.7135

Abstract

Islamic bank provides products that conform to sharia. When world financial crisis happened, it did not constrain Islamic banking due to its interest free system. However, in Indonesia, the growth of Islamic bank assets is still in the tenth rank with less than five percent of market share. Customers are still in doubt of its professionalism. Superiority in products and service quality remains in sufficient for customer satisfaction and loyalty. The data sets in this research were analyzed by using path analysis for testing the direct impact and sobel test for indirect impact. The result shows that Islamic bank service quality in Indonesia impacts customer satisfaction and loyalty. However, customer satisfaction does not impact customer loyalty, both directly and indirectly. It means that customers are still dissatisfied with the services provided by Islamic banks. This research recommends strategies for improving service quality and consumer confidence on the distinction of Islamic banking system.DOI: 10.15408/aiq.v10i2.7135
The Mudharabah Savings Demand among the Member of Islamic Financial Service Cooperatives in Bogor Muniaty Aisyah; U. Umiyati
IQTISHADIA Vol 11, No 2 (2018): IQTISHADIA
Publisher : Ekonomi Syariah IAIN Kudus

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.21043/iqtishadia.v11i2.3179

Abstract

The Islamic Financial Service Cooperative or Baitul Maal wa Tamwil (BMT) is potential to become an effective economic driving forcefor micro and small businesses in Indonesia due to its ability to raise public funds. Nevertheless, BMT experiences many obstacles, one of which in marketing. It needs a better understanding of its member behavior that could predict the demand of its products and services. This research aimed to examine the members’ demand on Mudharabah savings of BMT in Bogor, by using the multiple linear regression analysis. The finding shows that the service quality does not influence the members’ decision to use Mudharabah savings because the services provided by BMT are below of members’ expectation, thus, they need to enhance their service quality. This research sheds the light on some strategies in order to improve service quality of BMT in Indonesia.
A Comparison of Muslim Millennial Students' Religiousity at Islamic and Non-Faith Based Universities Leis Suzanawaty; Muniaty Aisyah; Umiyati Umiyati
TARBIYA: Journal of Education in Muslim Society TARBIYA: JOURNAL OF EDUCATION IN MUSLIM SOCIETY | VOL. 8 NO. 1 2021
Publisher : Faculty of Educational Sciences, Syarif Hidayatullah State Islamic University

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.15408/tjems.v8i1.19210

Abstract

AbstractThe purpose of this study was to assess the influence of learning in a higher education institution and the type of institution, on the religiosity of Muslim Millennial students in Indonesia. In this study, religiosity is defined using an Islamic theoretical framework and divided into two sub-variables: hablumminallah and hablumminannas behavior, which serve as dependent variables hablumminallah behavior also serve as an intervening variable. Thus, this work used the Structural Equation Modeling technique using 292 samples to analyze direct and indirect influences. The findings indicated that higher educational institutions directly affect the habluminallah behavior, but not on the habluminannas behavior. While this has an indirect effect on hablumminannas behavior, it is mediated by hablumminallah behavior. It suggests that the level of students' hablumminallah behavior, which is high, makes the higher educational institutions potentially affect the students' hablumminannas too. Moreover, this study used the One-way Anova test to determine whether there are differences in the socio-religious milieu and student religiosity of Islamic and non-faith-based universities. The findings indicate that religious facilities are superior in non-faith-based universities to those in Islamic universities, whereas Islamic subject professors' roles and management support are identical. , there is no difference in the behavior of hablumminallah and hablumminannas students. This shows that if a university provides adequate religious facilities, both Islamic and non-faith-based universities will encourage students' religiosity similarly. AbstrakPenelitian ini bertujuan menganalisis pengaruh perguruan tinggi terhadap religiusitas mahasiswa muslim milenial di Indonesia. Penelitian ini menggunakan kerangka teori dengan pendekatan Islami dimana religiusitas terbentuk dari dua sub variabel yaitu perilaku habluminallah dan hablumminannas sebagai variabel terikat, dimana perilaku hablumminallah juga sebagai variabel antara. Karenanya, untuk dapat menganalisis pengaruh langsung dan tidak langsung, penelitian ini menggunakan teknik Structural Equation Modelling dengan 292 sampel. data. Hasilnya menunjukkan bahwa secara langsung, perguruan tinggi hanya mempengaruhi perilaku habumminallah mahasiswa, namun tidak perilaku hablumminannasnya. Sedangkan secara tidak langsung, perguruan tinggi mampu mempengaruhi perilaku hablumminannas mahasiswanya yang dimediasi oleh perilaku hablumminallahnya. Hal ini mengindikasikan bahwa perilaku hablumminallah mahasiswa yang tinggi, menjadikan perguruan tinggi berpotensi mempengaruhi perilaku hablumminanas mahasiswanya pula. Penelitian ini juga melakukan uji One-way Anova untuk menganalisis apakah terdapat perbedaan kondisi sosial keagamaan di lingkungan kampus dan perilaku religius mahasiswa di universitas Islam dengan di universitas Umum. Hasilnya menunjukkan bahwa fasilitas keagamaan di universitas Umum lebih tinggi dibandingkan universitas Islam. Yang mengejutkan, tidak terdapat perbedaan perilaku habluminallah maupun hablumminannas antara mahasiswa universitas Islam dengan Umum. Hal ini mengimplikasin bahwa, jika fasilitas keagamaan di lingkungan universitas memadai, maka baik universitas Islam maupun Umum akan efektif mempengaruhi religiusitas mahasiswanya.How to Cite: Suzanawaty, L., Aisyah, M., Umiyati. (2021). A Comparison of Muslim Millennial Students' Religiousity at Islamic and Non-Faith Based Universities. TARBIYA: Journal of Education in Muslim Society, 8(1), 44-56. doi:10.15408/tjems.v8i1.19210.
Consumer Demand on Halal Cosmetics and Personal Care Products in Indonesia Muniaty Aisyah
Al-Iqtishad: Jurnal Ilmu Ekonomi Syariah Vol 9, No 1: January 2017
Publisher : Faculty of Shariah and Law, UIN Syarif Hidayatullah Jakarta

Show Abstract | Download Original | Original Source | Check in Google Scholar | Full PDF (523.227 KB) | DOI: 10.15408/aiq.v9i1.1867

Abstract

This research aims to analyze the influential factors involved in Moslem consumers’ decision to purchase halal cosmetics and personal care products in Indonesia by using the Theory of Planned Behavior. 100 questionnaires were analyzed using Structural Equation Modeling, collected from respondents of female consumers who purchased Wardah cosmetics and personal care products in South Jakarta and South Tangerang. The findings show that attitude, subjective norm, perceived behavioral control and purchase intention are positively related to the consumers’ decision to purchase halal cosmetics and personal care products. By addressing the consumers’ traits that can predict halal cosmetics and personal care products necessity, marketers could generate proper marketing strategies to validate consumers’ demand which in turn will stimulate the growth of halal products industry in Indonesia.DOI: 10.15408/aiq.v9i1.1867
The Mudharabah Savings Demand among the Member of Islamic Financial Service Cooperatives in Bogor Muniaty Aisyah; U. Umiyati
IQTISHADIA Vol 11, No 2 (2018): IQTISHADIA
Publisher : Ekonomi Syariah IAIN Kudus

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.21043/iqtishadia.v11i2.3179

Abstract

The Islamic Financial Service Cooperative or Baitul Maal wa Tamwil (BMT) is potential to become an effective economic driving forcefor micro and small businesses in Indonesia due to its ability to raise public funds. Nevertheless, BMT experiences many obstacles, one of which in marketing. It needs a better understanding of its member behavior that could predict the demand of its products and services. This research aimed to examine the members’ demand on Mudharabah savings of BMT in Bogor, by using the multiple linear regression analysis. The finding shows that the service quality does not influence the members’ decision to use Mudharabah savings because the services provided by BMT are below of members’ expectation, thus, they need to enhance their service quality. This research sheds the light on some strategies in order to improve service quality of BMT in Indonesia.
Co-Authors Asraf Asraf Dwi Syafarina Erdawati Erdawati Leis Suzanawaty Riyan Apriansyah Umiyati Umiyati, Umiyati Umiyati, U. Umiyati, U.