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Mohammad Zen Nasrudin Fajri
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Proceedings of Femfest International Conference on Economics, Management, and Business
Published by Universitas Darussalam Gontor
ISSN : -     EISSN : 30263549     DOI : -
Core Subject : Economy, Social,
Economics, Econometrics & Finance Social Sciences
Proceedings of Femfest International Conference on Economics, Management, and Business focuses on research related to economics, management, and business that are relevant to the development of the theory and practice of economics, management, and business especially in Islamic disciplines. Proceedings of Femfest International Conference on Economics, Management, and Business intends to highlight the practical implications of promoting better decision-making processes within an organization (private, public, and social) while accepting works in methodological and theoretical lines.
Arjuna Subject : Ilmu Ekonomi, Ekonometrika dan Keuangan (semua kategori) - Ilmu Ekonomi, Ekonometrika dan Keuangan (Lain-Lain)
Articles 61 Documents
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The Application of Al-Qardh Financing in the Sharia Financing Savings and Loans Cooperative Makmur Gemilang Sejahtera Magelang Indonesia (Approached with Fatwa DSN MUI No. 19/IV/2001) Zulfatus Sa’diah; Mochammad Kharits Taufani
Proceedings of Femfest International Conference on Economics, Management, and Business Vol. 1 (2023): Proceedings of Femfest International Conference on Economics, Management, and Busines
Publisher : Universitas Darussalam Gontor

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Al-Qardh financing is one proof of the development of Islamic finance. One of these financing efforts is for the welfare of the community by providing assistance without compensation. This financing is not aimed at getting financial benefits but at expecting the blessing of Allah SWT. This research was held at KSPPS Makmur Gemilang Sejahtera Magelang. The data analysis method used is descriptive analysis method. Through this discussion, the researcher will describe the data that has been obtained through the results of observations, interviews or documentation that will be analyzed using the DSNMUI fatwa. The results showed that in the application of qardh financing carried out at KSPSS customers who want to finance there is an additional fee of 2.5% on each principal amount of financing for infaq / alms agreed upon at the beginning of the agreement agreement. So the implementation process is not completely perfect with the fatwa, because the 5th point "Al-Qardh customers can provide additional (voluntary donations to LKS as long as they are not promised in the contract)". According to the DSN-MUI fatwa, donations cannot be promised in the contract, even if it is infaq/almsgiving, because the addition can be categorized as Riba
Critical Analysis on the Implementation of the Pilgrimage Portion Prize Savings Plan from the perspective of National Sharia Board Indonesian Ulema Council Sunanda Octaviani; Rahmad Hakim; Atut Frida Agustin
Proceedings of Femfest International Conference on Economics, Management, and Business Vol. 1 (2023): Proceedings of Femfest International Conference on Economics, Management, and Busines
Publisher : Universitas Darussalam Gontor

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This study aims to find out how the review of the implementation of the contract on savings plans with pilgrimage portion measures from the perspective of DSN-MUI Fatwa No. 86/DSN-MUI/XII/2012 concerning Prizes in Funding for Islamic Financial Institutions and DSN-MUI Fatwa No. 29/DSNMUI/VI/2002 concerning Financing for Pilgrimage Management of Islamic Financial Institutions. This qualitative research uses research with a case study approach. The data used is primary data that is obtained from interviews. Secondary data was obtained in the form of brochures and circulars of saving plans with pilgrimage portion prizes. The results found that the implementations of the pilgrimage portion prize savings plan were in line with the the light of fatwa, yet there were several provisions were inappropriate, first, on the prizes where the bank in implementing the gift has been agreed at the beginning, namely in the form of a portion of the pilgrimage. Seccond, on the method of giving gifts should not be customary (habit or 'urf) but savings plans with prizes for the pilgrimage portion have been implemented since the end of 2018 until now. Meanwhile, the implementation of the contract in the savings plan with prizes of pilgrimage portion were less conformity with the fatwa.
Islamic Financial Literacy Analysis of Islamic Economics Students using The Theory of Planned Behavior (TPB): Empirical Studies with SEM-PLS Approach Iqbal ‘Imari; Hartomi Maulana; Ahmad Suminto; Willy Tambayong; Soritua Ahmad Ramdani Harahap
Proceedings of Femfest International Conference on Economics, Management, and Business Vol. 1 (2023): Proceedings of Femfest International Conference on Economics, Management, and Busines
Publisher : Universitas Darussalam Gontor

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After the merger, Islamic banks are expected to be able to break the growth of public interest in saving in Islamic banks, because they inherit the good things from each merger bank, namely BNI syariah with its innovations, Mandiri Syariah with its professional system and BRI syariah with a widespread local understanding, in recent years has increased but not much, in this case, it will be seen interest in Islamic banks through students as a benchmark. Seeing that the student's interest in Islamic banking is quite low, so researchers want to see the extent to which Islamic financial literacy in young students is more focused on saving in Islamic banking, so the purpose of this research is to analyze Islamic financial literacy in Islamic economics students. It is located in several universities are especially for students of Islamic economics. This research uses quantitative methods using the Structural Equation Modeling-Partial Least Square (SEM-PLS) tool and uses the Theory of Planned Behavior as a measuring factor. The results of this research were obtained that attitudes, subjective norms, and perceptions of behavioral control had a significant positive effect on students interest in saving in Islamic banks.
Service Quality as A Factor Affecting the Satisfaction of Retired Civil Servants in Sharia Economic Perspective Cut Mutiah Aksyah; Zaki Fuad; Azimah Dianah
Proceedings of Femfest International Conference on Economics, Management, and Business Vol. 1 (2023): Proceedings of Femfest International Conference on Economics, Management, and Busines
Publisher : Universitas Darussalam Gontor

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dimensions of service quality, namely Tangible (physical evidence of service), Reliability, Responsiveness, Assurance and Empathy in an sharia economic perspective at PT. TASPEN (Persero) Banda Aceh. This research approach uses inferential quantitative research. The analysis technique in this study is multiple linear regression analysis by distributing questionnaires. The results of this study indicate that all service quality variables simultaneously have a positive effect on the satisfaction of Retired Civil Servant participants at PT. TASPEN (Persero) Banda Aceh. The variables of Reliability and Empathy partially have a positive effect on the retirement satisfaction of Civil Servants. While Tangible (Physical Evidence), Responsiveness and Assurance partially have no effect on the retirement satisfaction of Civil Servants at PT. TASPEN (Persero) Banda Aceh
The Influence of Brand Image, Religiosity and Halal Labels on Purchasing Decisions of Packaged Food Products: Case Study of IAIN Pekalongan Students Fitriana Nur Rohmah
Proceedings of Femfest International Conference on Economics, Management, and Business Vol. 1 (2023): Proceedings of Femfest International Conference on Economics, Management, and Busines
Publisher : Universitas Darussalam Gontor

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Packaged food is food that can be found anywhere at this time. The soaring population growth rate which continues to increase, has an impact on the development of the food industry in Indonesia. Therefore, many companies compete with each other to meet the needs of consumers, by continuously improving quality and innovation in each of their products. The purpose of this study is to determine the effect of brand image, religiosity and halal labels on purchasing decisions for packaged food products (a case study of IAIN Pekalongan students) partially and simultaneously. This study uses a quantitative approach to causal investigation. Data were gathered from primary and secondary sources, although the information for this study came through questionnaires. The stripping population is IAIN Pekalongan students for the 2020 academic year. The sampling technique used is a probability sample using a simple random sampling technique with a sample size of 100 respondents. Methods of data analysis from this study using the classical assumption test, multiple linear regression test and hypothesis testing. The results showed that partially and simultaneously there was an influence between brand image, religiosity and halal labels on the decision to purchase packaged food products for consumers of Muslim students at IAIN Pekalongan. The influence of brand image on the decision to purchase packaged food products is 0.002 <0.05 or tcount on the brand image variable is 3.161 > 1.983. The influence of religiosity on purchasing decisions for packaged food products is 0.000 <0.05 and tcount on the religiosity variable is 3.621 > 1.983. The influence of the halal label on the decision to purchase packaged food products is 0.000 <0.05 and tcount on the halal label variable is 5.574 > 1.983. The influence of brand image, religiosity and halal label on purchasing decisions of packaged food products is 0.000 <0.05 and Fcount is 53.983 > Ftable 2.70.
في استقرار سعر صرف الليرة التركية (Ziraatkatılım) أثر بنك الزراعة خديجة عَوِل علي; محمد غيث مهايني
Proceedings of Femfest International Conference on Economics, Management, and Business Vol. 1 (2023): Proceedings of Femfest International Conference on Economics, Management, and Busines
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هدفت الدراسة إلى معرفة استقرار سعر الصرف وعلاقته بالبنوك ،وإظهار أثر مساهمة البنوك في استقرار الصرف، وكذلك التعرف بـ بنك زراعات كاتلم وكيفية نشأته. واعتمدت الدراسة على عينة من العاملين في بنك زراعات كاتلم، شملت أكثر من 100 عامل مقيما في اسطنبول، وذلك عبر استخدام الاستبانة الالكترونية.
The Impact of Bank Image on Customer Loyalty: Bank Syariah Indonesia (BSI) A. Iedar Zulfikar FQ; Imamul Hakim; Afifah Nur Millatinac
Proceedings of Femfest International Conference on Economics, Management, and Business Vol. 1 (2023): Proceedings of Femfest International Conference on Economics, Management, and Busines
Publisher : Universitas Darussalam Gontor

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The role of Islamic banks in the economic development of every country, including Indonesia, is so large that almost every sector related to financial activities requires various banking services. This study aims to determine the effect of service quality, bank image, and customer satisfaction on customer loyalty at Bank Syariah Indonesia Branch Office Dinoyo Malang. This research uses associative quantitative analysis. The population in this study is the customers of the BSI Dinoyo Malang Branch Office, which is approximately 17.000 customers. The sampling is as many as 100 customers. The data analysis technique used Structural Equation Modeling (SEM) analysis technique. Collecting data using a list of questionnaires. The results showed that service quality and customer satisfaction harmed customer loyalty, and bank image positively affected customer loyalty.
Determinant of Purchase Decision of Halal Cosmetics Among Generation Z Norvadewi; Fitria Rahmah; Indah Hermayulia
Proceedings of Femfest International Conference on Economics, Management, and Business Vol. 1 (2023): Proceedings of Femfest International Conference on Economics, Management, and Busines
Publisher : Universitas Darussalam Gontor

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Halal living trends gave birth to innovation and revolution in the cosmetic industry with the advent of halal cosmetic products. Halal cosmetics are considered capable of meeting the needs of Muslim consumers. However, the Muslim community, especially generation Z, is increasing awareness of halal cosmetics. Therefore, halal cosmetics must compete with various other cosmetic brands. This study reveals the factors influencing purchasing halal cosmetics among generation Z in Samarinda city. This research is a quantitative study. Data collection techniques use questionnaires and documentation—the questionnaire was distributed to 234 samples selected by purposive sampling. Data analysis techniques use multiple regression analysis. The results showed that halal labels had no significant effect on purchasing decisions. In contrast, the price and quality of products significantly affected halal cosmetic purchase decisions in generation Z of Samarinda city. Simultaneously, halal labels, price, and product quality significantly affect the purchasing of halal cosmetics in generation Z of Samarinda city because the significance level is 0,000 < 0.05 or F count 149,066 > F table 3.01. The magnitude of the determination coefficient value is 0.660, meaning that the influence of independent variables on dependent variables is 66%. The remaining 34% is determined by other variables not studied.
The Effect of Flash Sale, Cashback and Free Shipping on Muslim Consumer Consumptive Behavior (Study on Users of the Shopee Application in Aceh) Wahyudi; T. Meldi Kesuma; Dara Amanatillah
Proceedings of Femfest International Conference on Economics, Management, and Business Vol. 1 (2023): Proceedings of Femfest International Conference on Economics, Management, and Busines
Publisher : Universitas Darussalam Gontor

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Consumptive behavior is excessive consumption behavior without being based on need, which prioritizes wants and desires at all times. This study was conducted with the aim of knowing the effect of Flash Sale, Cashback and Free Shipping on Muslim Consumer Consumptive Behavior (Study on Shopee Application Users in Aceh). This study uses quantitative data consisting of primary and secondary data, primary data, namely by distributing questionnaires to 120 respondents. In proving and analyzing the data, the validity test, reliability, classical assumption test, multiple linear regression test and F test (simultaneous) and T test (partial) are used. The results showed that the flash sale variable partially had a significant effect on the consumptive behavior of Muslim consumers using the Shopee application in Aceh. The cashback and free shipping variables partially have no effect and are significant on the consumptive behavior of Muslim consumers who use the Shopee application in Aceh. The flash sale, cashback and free shipping variables simultaneously have a significant effect on the consumptive behavior of Muslim consumers who use the Shopee application in Aceh.
Determining Factors of Generation Z Halal Cosmetic Product Consumers in East Kalimantan Darmawati; Nurul Fadhilah; Muhammad Afif Ridha
Proceedings of Femfest International Conference on Economics, Management, and Business Vol. 1 (2023): Proceedings of Femfest International Conference on Economics, Management, and Busines
Publisher : Universitas Darussalam Gontor

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The prospect of the halal cosmetic industry both globally and nationally has a very potential trend. In Indonesia, the halal cosmetic industry is one of the industries that contribute to the improvement of the sharia economy. Along with the development of public knowledge about organic products that are friendly to the environment and do not contain non-halal ingredients, halal cosmetic products are increasingly in demand. Ironically, the great potential of the national halal cosmetic industry has not been properly utilized by local players. This study aims to analyze the determinants of consumers of halal cosmetic products. This type of research is quantitative research. The data used are primary data, with a population of Generation Z in East Kalimantan with a probability sample technique, the number of samples is 158 respondents. Data was collected by distributing questionnaires using a Likert scale and structured online using Google Forms. Based on the results of the study, it is known that cultural, social, and personal variables do not affect purchasing decisions for halal cosmetic products, while psychology has a significant influence on purchasing decisions for halal cosmetics. This means that psychological factors determine the decision of Generation Z in purchasing halal cosmetic products in East Kalimantan.

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