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PENGARUH LABELISASI HALAL, HARGA PRODUK, DAN KUALITAS PRODUK TERHADAP KEPUTUSAN PEMBELIAN PRODUK MAKANAN IMPOR DI KALANGAN MAHASISWA (Studi Empiris pada mahasiswa Universitas Islam Malang Fakultas Ekonomi dan Bisnis Angkatan 2018) Putri Ningsih; Nur Diana; M Cholid Mawardi
El-Aswaq Vol 3, No 1 (2022): Vol 3, No 1 (2022) : El-Aswaq
Publisher : Fakultas Ekonomi dan Bisnis Universitas Islam Malang

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Abstract

This study aims to examine whether simultaneously and partially the variables of halal labeling,product prices, and product quality on purchasing decisions of imported food products. This studyuses a quantitative method by distributing questionnaires using a google form via online. Thisstudy took a sample of students from the Islamic University of Malang, the Faculty of Economicsand Business, batch 2018. The results obtained from this study are that the halal labeling variables,product prices, and product quality have a significant effect on purchasing decisions. Partiallyhalal labeling has a significant effect on purchasing decisions, partially product prices have asignificant effect on purchasing decisions, and partially product quality has a significant positiveeffect on purchasing decisions.
PENGARUH PENGETAHUAN, RELIGIUSITAS, DAN SERTIFIKASI HALAL TERHADAP HALAL TRACEABILITY DENGAN HALAL AWARENESS SEBAGAI VARIABEL INTERVENING (Studi Kasus Pedagang Muslim Di Pasar Tradisional Kota Malang) Farida Diyan Pertiwi; Maslichah Maslichah; M Cholid Mawardi
El-Aswaq Vol 3, No 1 (2022): Vol 3, No 1 (2022) : El-Aswaq
Publisher : Fakultas Ekonomi dan Bisnis Universitas Islam Malang

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Abstract

The objective of this paper is to analyze the role of halal awareness, employing variables that canbe both influential (determinant) and influenced (output). The purpose of this paper is to consider howhalal awareness affects the halal traceability of products from the perspective of a business actor. Halalproducts are important in a country with the largest Muslim population. However, there are still manypeople who are not aware of the halalness of the product so that there are many products that are not yetclear about the halalness of the product. Questionnaires were distributed directly and data werecollected from 105 entrepreneurs. SEM-PLS was then applied to analyze the data. The results show thathalal awareness and the halal traceability influenced the business actors. Meanwhile, the halalawareness of the business actors was influenced by halal certification and religiosity. Knowledge failedto influence halal awareness.
Analisis Risiko Dan Strategi Mitigasi Risiko Pada Layanan Fintech Syariah Peer To Peer Lending Di Masa Pandemi Covid-19 (Studi Kasus : PT. Alami Fintek Sharia) Diawati Diawati; Nur Diana; M Cholid Mawardi
El-Aswaq Vol 3, No 1 (2022): Vol 3, No 1 (2022) : El-Aswaq
Publisher : Fakultas Ekonomi dan Bisnis Universitas Islam Malang

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Abstract

This study was used to determine risk analysis and risk mitigation strategies in the peer to peerlending sharia fintech service PT Alami Fintek Syariah. This research includes qualitative methods, usingprimary and secondary data sources. Data collection techniques are observation, interviews, anddocumentation. The risks in ALAMI P2P lending sharia fintech services are: 1) Character Risk of SMEFinancing Candidates, 2) Risk of Decrease in Paying Ability of SMEs, 3) Side Streaming Risk, 4) PayerCapacity Risk, 5) Legal Risk, and 6) Cybersecurity. From the risk analysis, the results of risk mitigationin ALAMI P2P lending services are: 1) Paying attention to the Competence of the Risk ManagementTeam, 2) Assessing Payer Capacity, 3) Establishing SME Project Ratings, 4) Cooperating with PrivateCredit Bureaus, 5) Using Second Way Out, 6) Use of Virtual Accounts, 7) Implement Due Diligence andPrudence, 8) ISO27001 Cybersecurity and 9) Periodic Industry Updates.
PERSEPSI MASYARAKAT PESANTREN TERHADAP BANK SYRIAH (Studi Pada Pondok Pesantren Raudhatul Ummah Di Kota Batu) Nur Hasanah; Dwiyani Sudaryanti; M Cholid Mawardi
El-Aswaq Vol 3, No 1 (2022): Vol 3, No 1 (2022) : El-Aswaq
Publisher : Fakultas Ekonomi dan Bisnis Universitas Islam Malang

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Abstract

Penelitian ini membahas tentang persepsi masyarakat pesantren terhadap Bank Syariah studipada Pondok Pesantren Raudhatul Ummah. Penelitian ini merupakan penelitian kualitatif denganmenggunakan jenis penelitian yang menghasilkan data deskriptif berupa kata-kata tertulis. Teknikpengambilan data diperoleh dengan menyebarkan angket dan melakukan wawancara. Adapun hasildari penelitian ini menemukan bahwa persepsi masyarakat Pesantren Raudhatul Ummah adanyapandangan atau pemahaman yang berbeda-beda, ada masyarakat yang paham namun tidak bisa untukmenggunakan Bank Syariah karna tidak adanya akses Bank Syariah ditempat. Ada pula masyarakatpesantren hanya mengetahui informasi dari Bank Syariah tapi belum paham sistem kerja di BankSyariah, oleh karena itu perlu adanya sosialisasi dari Bank Syariah untuk mengenalkan apa saja sistemdari Bank Syariah agar masyarakat paham dengan sistem kerja di Bank Syariah.
PENGARUH KECERDASAN EMOSIONAL DAN SPIRITUAL TERHADAP KEPEMIMPINAN TRANSFORMASIONAL, KEPUASAN KERJA DAN KINERJA MANAGER (Studi Kasus pada Bank Syariah Indonesia di Kota Malang) Winda Armeinita Wulandari; Dwiyani Sudaryanti; M Cholid Mawardi
El-Aswaq Vol 1, No 2 (2020): El-Aswaq
Publisher : Fakultas Ekonomi dan Bisnis Universitas Islam Malang

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Abstract

This study was to determine the effect of the emotional, spiritual intelligence on transformasional leadership, job satisfaction and manager performance at Indonesian Islamic Banks in the City of Malang. This type of research in quantitative research. In this study, the samples taken were employees of 3 (three) Indonesian Islamic Banks in the City of Malang, namely BSI-KCP Malang-Lawang, BSI-KCP Malang-Suhat, BSI-KCP Malang-Pasbes, totaling 40 people. Taking the number of samples using saturated sampling. The analytical tool used is  multiple linier regression analysis using the SPSS 16 analysis tool. The result show that emotional intelligence variable (X1) have a negative and partially insignificant effect on transformasional leadersip (Y1), emotional intellegence (X1) has a negative and not significant effect. Partially significant on the variable job satisfaction (Y2), emotional intelligence (X1) has a positive and partially significant effect on the manager’s performance variable (Y3). And the spiritual intelligence variable (X2) both have a positive and partially significant effect on transformational leadersip (Y1) and manager performance (Y3). While the spiritual intelligence variable (X2) has a negative and partially insignificant effect on job satisfaction variable (Y2).
Pengaruh Sikap, Norma Subjektif, Persepsi Teknologi, Tingkat Kepercayaan, Dan Kemudahan Terhadap Minat Nasabah Dalam Menggunakan Fasilitas Internet Banking Pada Bank Syariah (Studi Kasus Nasabah Bank Syariah Indonesia Kota Batu) Chotimatul Hamidah; Maslichah Maslichah; M Cholid Mawardi
El-Aswaq Vol 3, No 1 (2022): Vol 3, No 1 (2022) : El-Aswaq
Publisher : Fakultas Ekonomi dan Bisnis Universitas Islam Malang

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Abstract

This study aimed to determine the effect of attitudes, subjective norms,perceptions of technology, level of trust, and ease of use on customer interest inusing internet banking facilities (Case study customer of Bank Syariah IndonesiaBatu City). This type of research is quantitative research. This study took asample of 100 respondents who are customers of Bank Syariah Indonesia in BatuCity. The analytical tool used is Multiple Linear Regression Analysis using SPSS25. The results of this study indicate that the independent variable, namelyattitude (X1) has a positive and significant effect on interest (Y), subjective norm(X2) has a negative effect on interest (Y). , the perception of technology (X3) has anegative effect on interest (Y), the level of trust (X4) has a positive and significanteffect on interest (Y), ease of use (X5) has a positive and significant effect oninterest (Y). In contrast, the variabel Attitude (X1), Subjektive Norm (X2),Perception of Technology (X3), Level of Trust (X4), and Ease of Use (X5)have apositive and significant effect simultaneously on Interest.
PENGARUH PERSEPSI NASABAH, KEPERCAYAAN NASABAH DAN LOYALITAS NASABAH TERHADAP PENGGUNAAN MOBILE BANKING (Studi Kasus Pada Bank Syariah Indonesia Kota Malang) Namira Usman; Maslichah Maslichah; M Cholid Mawardi
El-Aswaq Vol 1, No 2 (2020): El-Aswaq
Publisher : Fakultas Ekonomi dan Bisnis Universitas Islam Malang

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Abstract

This study aims to determine the effect of customer perception, customer trust and customer loyalty on the use of mobile banking at Bank Syariah Indonesia Malang City The analytical method used in this study is multiple lmier regression analysis for hypothesis testing using SPSS. The results of this study indicate that the Perception variable Customer 1) has a partial negative and insignificant effect on the use of mobile banking (Y). Customer Trust Variable 2) and Customer Loyalty variable ) have a positive and partially significant effect on the use of mobile bankang (Y). Meanwhile, the variables of customer perception, customer trust and customer loyalty have a positive and significant effect simultaneously on the use of mobile banking.
PENGARUH DIGITALISASI PERBANKAN MELALUI SELF SERVICE TECHNOLOGY TERHADAP KEPUASAN MAHASISWA UNISMA DALAM PENGGUNAAN LAYANAN DIGITAL BANK SYARIAH (Studi Kasus Pada Mahasiswa FEB UNISMA Angkatan 2018 dan 2019) Melinda Ramadhanti; Noor Shodiq Askandar; M Cholid Mawardi
El-Aswaq Vol 3, No 1 (2022): Vol 3, No 1 (2022) : El-Aswaq
Publisher : Fakultas Ekonomi dan Bisnis Universitas Islam Malang

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Abstract

Penelitian ini bertujuan untuk mengetahui dan menilai pengaruh Self Service Technology Yang meliputi Automatic Teller Machine / ATM (X1), Internet Banking (X2), Mobile Banking (X3) terhadap kepuasan mahasiswa (Y), baik secara parsial maupun simultan (Y). Responden dalam penelitian ini adalah Mahasiswa Fakultas Ekonomi dan Bisnis Universitas Islam Malang angkatan 2018 dan 2019 dan Mahasiswa yang menggunakan minimal satu layanan Self-Service Technology (SST). Teknik sampel yang digunakan adalah purposive sampling. Sampel dalam penelitian sebanyak 95 responden. Penelitian ini menggunakan jenis penelitian kuantitatif dengan teknik pengumpulan data menggunakan kuesioner. Kemudian dilakukan analisis menggunakan model statistik parametrik regresi linier berganda. Uji F dan uji t juga dilakukan dalam penelitian ini untuk mengetahui pengaruh variabel independen baik secara simultan maupun parsial terhadap Kepuasan Mahasiswa pengguna layanan digital bank syariah
PENGARUH CORPORATE IMAGE, CUSTOMER RELATIONSHIP MARKETING DAN LAYANAN FINTECH TERHADAP LOYALITAS NASABAH (Studi Kasus Pada Bank Syariah Indonesia KC. Kota Malang) Hoiriyah Ali; Nur Diana; M Cholid Mawardi
El-Aswaq Vol 3, No 1 (2022): Vol 3, No 1 (2022) : El-Aswaq
Publisher : Fakultas Ekonomi dan Bisnis Universitas Islam Malang

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Abstract

This study aimed to determine the effect of Corporate Image, CustomerRelationship Marketing, and Fintech Services on Customer Loyalty (Case study atBank Syariah Indonesia KC. Malang City). This type of research is quantitativeresearch. The object of research used is all customers of Bank BSI KC. MalangCity, Sutoyo. This study took a sample of 100 respondents. The samplingtechnique used is probability sampling. The data used in this study are primarydata obtained from distributing questionnaires. The data obtained were thenprocessed with SPSS version 16.0, and the data analysis used in this research wasmultiple linear regression analysis. The results of this study indicate that theindependent variable, namely Corporate Image (X1), has a partial negative effecton Customer Loyalty (Y). Variable Customer Relationship Marketing (X2) Has apositive and significant impact on Customer Loyalty (Y). And the FinancialTechnology variable (X3) has a positive and significant effect on CustomerLoyalty (Y). In contrast, the variables Corporate Image (X1), CustomerRelationship Marketing (X2), and Fintech Services (X3) have a positive andsignificant effect simultaneously on Customer Loyalty.
ANALISIS PENGARUH LITERASI KEUANGAN SYARIAH TERHADAP KEPUTUSAN MENGGUNAKAN PRODUK PERBANKAN SYARIAH (Studi pada Mahasiswa Program Studi Perbankan Syariah FEB UNISMA) Ahmad Basori; Maslichah Maslichah; M Cholid Mawardi
El-Aswaq Vol 3, No 1 (2022): Vol 3, No 1 (2022) : El-Aswaq
Publisher : Fakultas Ekonomi dan Bisnis Universitas Islam Malang

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Abstract

This study aims to determine the effect of Islamic financial literacy on decisions to use Islamic banking products in students of the Islamic Banking Study Program FEB UNISMA. The location of this research was carried out on students of the Islamic Banking Study Program FEB UNISMA. This research is a quantitative research. This research uses a case study method where data is obtained by distributing questionnaires to students of the Islamic Banking Study Program FEB UNISMA who were selected by purposive sampling. Determination of the number of samples using the Slovin formula and the results obtained were 100 respondents. Data were analyzed using simple regression analysis and determination test. Based on the results of data analysis, the results of the t-test indicate that Islamic financial literacy has a significant and positive effect on purchasing decisions and has an effect on decisions to use Islamic banking products for students of the Islamic Banking Study Program FEB UNISMA. Furthermore, the results of the t test show that Islamic financial literacy partially has a significant and positive effect on the decision to use Islamic banking products. The results of the determination test show that the percentage is 9.9%, where the decision to use the product can be influenced by Islamic financial literacy. Furthermore, in this study, the data collection method can be continued by paying attention to the willingness of respondents, follow-up to fill out, so that when given a questionnaire, they can immediately fill in the data properly.
Co-Authors Abd. Goffar Abd. Kodir Djaelani Abdul Lathif Adelia Yohana Meilansari Adhela Hadi Pratiwi Afifah Afda Nauziah Afifudin Afifudin Agustina Isviandari Ahmad Basori Ahmad Syarifudin Ahmad Zulkarnain Ainia Fajrin Ainul Yakin Ainun Asri Ainun Jariyah Aisyah Nur Baity Sa’diyah Akhmada Faidah Akhmal Firdhaus Ibnusolikhin Alifia Udlhiyana Shifa Amalia Maulida Nurissalmah Aminatus Zahro An-Nisa Soeni Ana Silva Anggraini Anang Febrianto Andre Bayu Pratama Anggia Mandari Valensia Devi Anggita Lupita Sari Anggita Septya Nisa Sholekhah Anik Malikah Anindya Ayu Nilamsari Anindya Veradina Anis Rochmawati Anisa Dwi Wandani Anisa Novianty Wakanno Anita Febriana Anita Rachman Annisa Nurul Imani Annisa Syafitrah Sakeh Aqidatul Firly ARIF EFENDI Arista Fauzi Kartika Sari Ashla Rahmi Tamalla Asriani Asriani Assrofei Laily Faddillah Astri Ridiawati Ayu Febri Citra Pertiwi Ayu Mei Lisa Putri Ayu Mir’atus Sholihah Ayu Via Fitriya Badris Sholeh Baiq Armiana Malahayati Baiq Inggit Hariyanti Basalamah, Muhammad Ridwan Chadinamin Fadhilatil Maula Chalisa Amalia Putri Chandra Febyani Putri Mulyadi Chotimatul Hamidah Cindy Ariana Oliviantika Cindy Nur Chofifah Cindy Widyawati Darti Wahyuni David Wahyu Hemawan Desi Ananda Saidina Dessy Meritha Putri Desti Wahyuningrum Ekawati Desy Susilawati Desy Wijayanti Devi Febryanti DEWI DIAH FAKHRIYYAH Dian Almahri Abd. Kadir Dian Antika Sari Dian Novitasari Dian Safitri Dian Syifaul Choirun Nisa Dias Olivia Diawati Diawati Dila Anggraheni Dina Huzriyah Dinanda Primanagari Dinanda Primanagari Dinda Oktaviani Dinda Septian Nur’aini Dini Ariani Putri Dita Dwi Lestari Diyah Ratnasari Durrotul Yatimah Dwi Dosi Kurniawati Dwiyani Sudaryanti Dyah Putri Novitasari Dyanira Putri Hertika Dzurrotun Nasikhah Efendi Trias Yusnita Efi Kumala Eka Maylinda Nurafifah Eka Wulandari Eka Yulianti Ekky Dian Muharromah Ela Muliana Elia Nurmala Elisabet Susianti Ningrum Ema Maliawati Emy Puji Puspitasari Endang Utami Aprilia Musiin Enggar Tiyas Yuliyanti Enis Setiawati Erina Sasmita Arjuni Erlina Julita Pramesti Erlinliya Motifasari Ervinda Irawati Eva Lailan Rahmania Syefiada Eva Puspitasari Eva Wulandari Eveilin Rosalina Putri Evy Nur Sugiarti Fachenda Itsnain Naufal Zuhdi Fachry Rahmatullah Aditama Fadel Baha Fairotus Shulhiyyah Faizatur Hafidhoh Fani Adhistyastuti Farah Septya Findria Dewi Farida Diyan Pertiwi Fatimatuz Zahro Febriani Dwi Putri Yadyarti Fikria Lailatus Sidqiyah Firda Fikra Tania Firdausia Oktaviana Firqatun Nafilah Fitri Rahmatika Fitri Veta Viyan Fitria Afdiyanti Astuti Gaendie Mustika Ladyve Geya Adiptadaniar Habibah Mutiara Islamiyah Habibi Santoso Hairunisah Hairunisah Halimatus Sakdiyah Halimatus Sa’diyah Hamamah Jamaludin Hamdi Holid Ulinnuha Hanafi Hanafi Hariri Hariri Hariri, Hariri Hastini Yanti Susiyah Hellamida Fanureka Henra Nanang Sukma Hijah Maisyarah Hikmatul Amaliya Hilda Rahmadia Putri Hj. Nur Hidayati Hj. Nur Hidayati Hj. Nurhidayati Hj. Nurhidayati Hoiriyah Ali Husnul Chulukiyah Husnul Hidayatur Rohmah Ika Alivia Rizky Ika Erniawati Ika Nur Faiza Imam Baihaqi Ahmad Imarotul Mufidah Imelda Imelda Imelda Yofa Aprillia Imroatus Sholikah Indah Sumayah Gasim Indrawan Maulana Inggit Dwi Priliya Intan Dewi Sa’adah Intan Kurnia Inti Sari Irma Hidayati Ismi Istihanah Hermawan Isrin Hikmayanti Istiqomah Nur Frida Iva Yuliana Pratama Jamaludin Anwar Jamli La Nasir Jumiati Halima Kamisa Delasari Karina Murngnysih Karlina Apriliasari Khalid Izzuddin Wafiq Kiki Veronica Agatha Kirana Amalia Latulanit Kumala Faiza Amalia Laeli Nur Barokah Laila Maulatul Haq Laila Nur Rosyidah Lailatul Ilma Aulia Lailatul Mutmainnah Laily Rahmawati Larasati Puspaharisti Latisha Ananda Rezha Leony Larasati Widodo Lesi Anjaliati Lika Yunistiyawati Lili Suryani Umar Lina Puspitasari Linda Devita Linda Erika Linda Tri Utami Linda Wulandari Liria Rhosa Effendi Lisa Alvionita Lisa Yuliana Listiya Ayuningsih Lita Noviani Livia Deni Zakaria Luluk Innafisah Lusia As’ari Lutfiani Nur Adiliyah Lutvia Yanda Ayunanta M. Ridwan Basalamah Mahfiro Mahfiro Mardhani Susilawati Maria Ulfa Maslichah, Maslichah Masriyah Masriyah Mayatisari Likuwatan Meli Marliani Melinda Ramadhanti Melly Meilani Mirawati Lompeng Misbahul Mun’im Moh. Amin Moh. Amin Mohamad Indra Ardhiansa Mohammad Amin Mohammad Naylu Alifi Noor Muhammad Faiz Labay Al Anshory Muhammad Faris Nugraha Muhammad Ikhsan Arief Nugraha Muhammad Mahyudin Muhtar Muhammad Noor Ramadhani Muhdin Muhdin Muhdor Muhdor Muhsi Rosdian Sukmawati Mukminah Mukminah Mutiara Mardaw Mutmainna Indah Andriyani Dewi Nadiya Nidaul Khairiyah Nafi’atin Riski Nais Aprilia Namira Usman Na’am Chusaeri Neny Sulistyowati Nimas Agustin Candra Sujarwo Nina Mardiana (F01108057) Nisa Amelia Ramdani Noor Shodiq Askandar Noraida Hafni Normasari Dwi Purwanti Novita Dian Kusuma Putri Novyta Diah Ayu Putri Inandi Nuansa Risky NUR AINI Nur Chabibah Nur Chalimatussa’diyah Nur Diana Nur Diana Nur Hadayati Nur Halisa Nur Hasanah NUR HIDAYATI Nuril Laili Wulandari Nurkomariah Nurkomariah Nurul Ikriyah Nurul Mutia Hidayah Nurul Nabilah Oktaviana Imami Mahmudah Olivia Rizqiatul Jannah Prima Anggraeni Hartutik Putri Elsa Meilina Putri Ningsih Putri Nurfadilah Putri Septianita Rachmawati Putri Yudiastantri Qisthi Yoeanda Qonita Lutfiyah Rahma Maulidia Rahmatdatulah Rahmatdatulah Rayi Mifta Pradifta Rensi Dwi Maharani Resti Windi Astutik Retno Dwi Wandika Rina Ariani Rindit Pranandari Rini Cahyanti Risa Levia Setyawati Riska Dwi Fitriana Riska Widia Rantasari Risma Tri Edi Susenti Risna Nur Anggraini Rofiatul Jannah Sabtian Clara Desya Putri Sahid Hidayah Salina Salina Sari Lestari Sarina Hi Djafar Selynia Nurur Rohmah Sherly Aulia Absari Shofiyah Shofiyah Shofyah Shofyah Silvia Qotrun Nada Siti Aminah Anwar Siti Choirul Umatin Siti Hakimatun Nisak Siti Istiqomah Siti Nur Aini Arum Lestari Siti Rofiah Siti Wahyuni Sofiana Sofiana Sopia Sopia Sri Sinta Wardani Sri Sukenti Sri Wahyuni Suniyah Suniyah TRI WULANDARI Tsamrotul Masrifatil Abadiah Tsibat Vozi Kinaza Ufairoh Rohmawati Ulfa Dwi Yanti H. Abubakar Ulfa Ilmiyatis Sholichah Ulfah Hariani Umi Masruroh Umi Nandiroh Ummy Sholihah Veni Zakia Venni Endina Putri Via Amiria Vika Herdiana Vinna Anggraeni Wahidatul Hasanah Wahyu Afrilia Mawardianti Wanda Alisah Sastiana Wardatul Jannah Widi Sriyanto Widya Andreyna Winda Armeinita Wulandari Yayang Perdania Putri Yoga Prasetyo Yulia Zahro Yuninda Asmi Puspita Sari Yunita Adelia Putri Yusrotul Widad Yuyun Fadilah Yuyun Hanifatusa’idah Zahrotul Jannah Zalzulifa Zelvi Ainun Naja