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Bebi Asdilvira; Yogi Putra

Pandawa : Pusat Publikasi Hasil Pengabdian Masyarakat 2026 Asosiasi Riset Ilmu Pendidikan Indonesia

This community service program aims to empower students. The lack of digital business literacy and knowledge about Islamic entrepreneurship in Islamic-based schools, as well as the application of sharia business principles, are the main drivers of this program. The activity implementation technique uses the Participatory Action Research (PAR) methodology. Problem identification, needs analysis, preparation of materials and instruments, pre-testing, training in Islamic business ethics and entrepreneurship theory, digital business practices, mentoring, post-testing, and program evaluation are some of the steps included in the activity. A total of 60 12th-grade students and ten instructors participated in this activity. The results showed that students' knowledge of sharia-based digital business, digital marketing skills, and entrepreneurial drive all increased. Student interest in starting a business increased by 78%, and participants' understanding of digital literacy increased by 85%. Furthermore, the program successfully instilled the ideals of Islamic entrepreneurship, such as accountability, honesty, and trustworthiness, as well as the prohibition of usury in digital business operations. In addition to encouraging the development of an Islamic digital business community within the educational environment, this community service program helps students develop personalities with noble morals, creativity, and adaptability.

Navasya Arini ZIMMY; M. Luthfillah Habibi

Jurnal Ilmiah Ekonomi, Akuntansi, dan Pajak 2025 Asosiasi Riset Ekonomi dan Akuntansi Indonesia

This study aims to analyze in-depth the interest of the Setro Village community in choosing PNM Mekaar Syariah financing as a source of capital for micro and small enterprises (MSMEs). This phenomenon is interesting because it shows how economic, social, and spiritual factors contribute to the financial decisions of rural communities. This research was conducted using a qualitative exploratory approach, using case studies and in-depth interviews with key informants. To explain the relationship between attitudes, subjective norms, and behavioral control on community intentions to choose Islamic financing, data analysis was conducted thematically. The Theory of Planned Behavior (TPB) framework was also used. The study shows that positive community perceptions of ease of access, economic benefits, and compliance with Islamic principles are the main factors shaping community interest in PNM Mekaar Syariah. Fast, easy, and uncomplicated financing increases consumer trust and enhances perceived behavioral control. Conversely, increased business capital and family income enhance the sustainability of micro-enterprises. The institution is given moral legitimacy and spiritual conviction by the implemented Islamic values, such as the yield system and the freedom from usury. Community participation decisions are also driven by social factors such as group support, advice from group leaders, and the quality of service provided by field officers. Theoretically, this study adds local religiosity and socio-cultural aspects to enrich the application of the Theory of Planned Behavior in the context of rural Islamic finance.

Adlan Ali; Emir Zaygh

Majelis : Jurnal Hukum Indonesia 2025 Asosiasi Peneliti dan Pengajar Ilmu Hukum Indonesia

The rapid growth of online commerce in Indonesia has significantly transformed the way people fulfill their daily needs by providing easier, faster, and more flexible access to goods and services through digital technology. Despite these advantages, the development of e-commerce also presents serious challenges, including rising cases of online fraud, discrepancies between advertised and delivered products, failed transactions, and personal data breaches that threaten consumer privacy. These issues create imbalances in digital contractual relationships, undermining trust and legal certainty for buyers. This study aims to analyze the implementation of the principle of fairness for consumers in e-commerce practices in Indonesia, while also identifying regulatory weaknesses and existing dispute resolution mechanisms. Using a normative legal research approach supported by case studies, the study examines the effectiveness of relevant legal frameworks, particularly the Consumer Protection Law (UUPK) and the Electronic Information and Transactions Law (UU ITE). The findings reveal that although these regulations provide a legal basis for consumer protection, their implementation remains inadequate. Weak supervision of online business actors, limited accountability of platform providers in ensuring transaction security, and complex, costly compensation procedures continue to hinder consumer rights protection. These conditions highlight the urgent need to strengthen consumer protection systems that are more adaptive, efficient, and oriented toward public interest. The study emphasizes the importance of improving online dispute resolution mechanisms, enhancing transparency and responsibility of digital platforms, and expanding digital literacy among consumers. Such measures are essential to ensure that fairness in e-commerce is not only guaranteed normatively, but also effectively realized in everyday digital transactions.

Rahma Fadillah; Azra Zafira Fahrizal; Alyanda Firzanni; Ardilla Oktaviani Br Ginting; Diva Sekawan Lia Putri

Jurnal Pelayanan dan Pengabdian Masyarakat Indonesia (JPPMI) 2025 Sekolah Tinggi Ilmu Administrasi Yappi Makassar

This community service program aims to enhance the creativity and economic independence of mosque youth through the implementation of the Business Challenge Program in Lingkungan VI, Tanah Enam Ratus Village, Medan Marelan District. The program was initiated in response to the limited entrepreneurial knowledge and skills among mosque youth, which hindered their ability to develop productive business initiatives. The implementation involved several stages: field observation, interviews, workshops, mentoring sessions, halal product-making practices, and marketing simulations. The results indicate a significant improvement in participants’ ability to design business models using the Business Model Canvas, produce halal products (such as fried tofu “tahu walik” and “es kuwut”), and market them directly to the community. Moreover, the program instilled Islamic business values, including honesty (ṣidq), trustworthiness (amānah), and diligence (ijtihād), as the foundation for ethical entrepreneurship. Overall, the Business Challenge Program effectively fostered creativity and self-reliance among mosque youth while strengthening the role of mosques as centers for community empowerment.

Fanny Sumaedi Rabianto; Maria Kristiningsih

Jurnal Pengabdian dan Perubahan Sosial 2025 Lembaga Pengembangan Kinerja Dosen

The high consumer interest in food makes culinary businesses play a crucial role in meeting consumer purchasing interest in culinary. This is a crucial concern and task for all parties, both the government and food producers, to maintain the safety of the food they produce. Both in terms of nutrition, hygiene, safety, halal certification, and so on must be a serious concern for producers. One of the government's programs to ensure food products are safe for public consumption is by issuing distribution permits in the form of PIRT (home industry food) permits and Halal Certification, which are official guarantees from the government, so that food products can be distributed and are safe for consumption by all consumers. PIRT is issued through a supervisory body, namely the Health Office located in a Regency. Along with this, various opportunities to improve marketing performance arise through the marketplace platform. This community service approach uses an empowerment approach to the benefits of PIRT, Halal Certification and digital marketing through the marketplace platform to increase consumer trust in products and marketing performance. Through this service, the product value increases, by obtaining PIRT permits and Halal Certification, and the STIE Gentiaras student product has a wider marketing reach through the marketplace platform.

Pangestu Adika Putra; Viro Dharma Saputra

Federalisme : Jurnal Kajian Hukum dan Ilmu Komunikasi 2025 Asosiasi Peneliti dan Pengajar Ilmu Hukum Indonesia

This study discusses the phenomenon of silent lead in digital marketing strategy Amanah Bunda Daycare Semarang. This phenomenon refers to potential customers who have made an initial interaction through WhatsApp Business After seeing Meta Ads ads, but then do not continue communication or convert into customers. The phenomenon of silent leads is an important concern because although the digital marketing process manages to reach the target audience and trigger an initial response, the interaction does not continue until the purchase or registration stage of the service. This study uses a descriptive qualitative approach to explore the characteristics of passive behavior. The Data was collected through in-depth interviews with the internal manager of Amanah Bunda Daycare and five informants identified as silent leads. The results showed that the passive attitude of potential customers is influenced by several main factors, namely the location that is considered less strategic or too far, the perception of prices that are considered high, personal conditions such as changes in plans or time constraints, as well as the quality of customer service communication that is perceived to be less than optimal in providing responses, information, and personal approach. This phenomenon has not been fully accommodated in classic conversion models such as Aida (Attention, Interest, Desire, Action) and model 5A (Aware, Appeal, Ask, Act, Advocate). This shows that there are gaps in marketing communication strategies, especially in managing potential customers who initially respond positively but stop before conversion. Therefore, this study recommends the development of a more empathetic, structured and sustainable approach to communication. Suggested strategies include improving customer service systems based on quick response and personalization, implementing polite but consistent follow-up strategies, and composing marketing content that is able to build trust and emotional connection with potential customers. With these measures, it is expected that silent leads can be minimized and conversion rates increased significantly.

Nabila Khasanah Ummah; Okta Supriyaningsih; Erlin Kurniati

Jurnal Bintang Manajemen (JUBIMA) 2025 Pusat Riset dan Inovasi Nasional

The development of trade has provided very free space for movement in every transaction so that goods and services are easily owned and consumed by consumers, one of which is thrifting clothing which is one of the most basic needs for humans which is very important to use to cover and protect the body in every his activities. The aim of this research is to analyze the influence of brand image on consumer trust, the influence of product quality on consumer trust, the mediating role of consumer trust on the relationship between brand image and product quality, the mediating role of consumer attitudes on the relationship between brand image and product quality, the influence of brand image on buying interest, and the influence of product quality on purchasing interest. The influence of brand image and product quality on interest in buying thrift clothes in the growing fashion industry. This research also examines the mediating role of consumer beliefs and attitudes in the Islamic business perspective. By using regression and mediation analysis methods, the results of this research can provide valuable insight for business people, especially in understanding the preferences and behavior of Muslim consumers who are increasingly consuming fashion products. The research results conclude that the relationship between brand image has a positive and significant effect on consumer trust. , The relationship between product quality has a positive and significant effect on consumer trust, The mediating role of consumer trust strengthens the relationship between brand image and product quality, The mediating role of consumer attitude strengthens the relationship between brand image and product quality, The relationship between brand image has a positive and significant effect on purchase intention, and The relationship between product quality has a positive and significant effect on purchasing interest.

Saskia Putri Aprilia; Fathur Rizky Pratama

Jurnal Pariwisata Indonesia 2025 Asosiasi Peneliti Dan Pengajar Ilmu Sosial Indonesia

This research aims to analyze the influence of social media on tourists' decisions in choosing a culinary tourist destination on Jl. Dipatiukur, Bandung City. In the current digital era, social media has become the main source of information for tourists who are looking for culinary recommendations. The research method used is qualitative with in-depth interviews and content analysis from social media platforms such as Instagram and TikTok. Research results show that interesting visual content, positive reviews, and active interaction between users and culinary business owners play an important role in shaping the perception of tourists. Social media not only increases the visibility of culinary destinations, but also builds trust and personal relationships between consumers and service providers. This finding provides strategic insight for culinary business owners in designing effective marketing campaigns through social media, as well as highlighting the importance of the role of social media in increasing the attractiveness of culinary tourism destinations in Bandung.

Estelee Elora Akbar; Ana Santika

Jurnal Ekonomi dan Keuangan 2025 Asosiasi Riset Ekonomi dan Akuntansi Indonesia

This study was conducted to examine the effectiveness of the use of influencer services by business actors seruit tampah mengan geh in increasing sales of their products. The results of the study found that the use of influencer services can be categorized as effective and efficient, this is evidenced by the increase in product brand awareness, increased consumer trust through honest influencer reviews, targeted audiences and more creative content results that attract the interest of viewers of the content produced.

Nadiya Fadillah; Sumartono Sumartono

Jurnal Bisnis Inovatif dan Digital 2024 Asosiasi Riset Ilmu Manajemen Kewirausahaan dan Bisnis Indonesia

The current of globalization has made technological and digital developments change the way business and communication are carried out. The digital era is currently the foundation of the business world and opens up new opportunities, including expedition delivery services or what can be called logistics. The expedition delivery service itself not only plays a role in delivering packages to the customer's hands but also must gain the customer's trust so that the customer has an interest in using the delivery service again. The aim of the research is to determine customer satisfaction in using expedition delivery services. The research used is descriptive qualitative research, using an approach that involves collecting relevant data sources, such as journal articles, books, publications and so on. The research data obtained is then analyzed systematically so that they can be continuous with each other in increasing satisfaction with the use of delivery services.

Nur Hasimah; Andis Febrian

Transformasi: Journal of Economics and Business Management 2024 Universitas 17 Agustus 1945 Semarang

This research is motivated by the importance of trust and service in the interest of micro, small and medium enterprises (MSMEs) to apply for financing at sharia banks. This research aims to find out and analyze how much influence trust and service have on the interest of micro, small and medium enterprises (MSMEs) to apply for financing at sharia banks. This research uses a correlational method with a quantitative approach. Sampling used purposive sampling. The data used is primary data and secondary data. Primary data was obtained from respondents through distributing questionnaires, while secondary data was based on observations, journals, articles and previous research. Meanwhile, multiple linear regression analysis techniques. Test classical assumptions, and test hypotheses. Analysis of this research using SPSS, based on research results at a significance level of 5% shows that. (1). Trust has a significant effect on business interest, the results of the regression coefficient are 0.122 and based on the test results of the coefficient of determination of the trust variable on business interest, it is 0.324 or 32.4% and has a significant level of (0.001 ≥ 0.05). (2) service has a significant effect on business interest, the results of the regression coefficient are 0.324 and based on the test results of the coefficient of determination of the trust variable on business interest, it is 0.324 or 32.4% and has a significant level of (0.001 ≥ 0.05). (3) the influence of trust and service has a positive F_count value of 43.368 which is greater than F_table 3.107 with a significance level of 0.000 ≤ 0.05 and a coefficient of determination test result of 0.324% or 32.4%. So it can be concluded that the trust and service variables influence business interest by 32.4% and the remaining 67.6% is influenced by other variables.

Darius Lado Miha; Petrus E. De Rosari; Novi T. Kiak

Jurnal Ekonomi dan Keuangan 2024 Asosiasi Riset Ekonomi dan Akuntansi Indonesia

The main problem in this research is what factors influence customer decisions in choosing BRI Bank Britama Savings Products in Fatukoa Village. The aim of this research is to see and explain what influences the decisions of Fatukoa Village customers in saving with Britama Savings Products. This type of research uses descriptive qualitative research. The data sources in this research are primary data and secondary data. Where data collection uses interview, observation, and documentation techniques. determining informants using Purposive Sampling, totaling 6 people. The time and place of the research was carried out in the 2023-2024 academic year, on a number of customers who live in Fatukoa Village, Kupang City. The results of this research explain that the factors that influence customers' decisions in choosing Britama Bank BRI savings products are influenced by cultural factors because cultural influences play a key role in customer decisions. The socialization process from the experience of being a customer for eight years, the use of banking products since the beginning of college, and the management of business transactions are the main factors in choosing Britama Savings. Social Factors due to the existence of reference groups, both from friends and family, have a big impact. Suggestions from friends about the benefits of interest rates and easy access to BRI Bank's online services, as well as recommendations from wives who are BRI Bank customers, are taken into consideration in the decision to save on Britama Products. Personal Factors due to Age, life cycle stage, work and economic environment are factors personal influences on product choices. The decision to save in BRI Bank Britama Products is based on long-term goals, investment, financial discipline, and economic considerations as well as income that can be invested, and Psychological Factors because the motivation for opening a Britama Savings account is related to biogenic and psychogenic needs, such as increasing pension funds, long-term investment, increasing financial discipline, and building savings habits. Trust and positive attitudes towards Britama products, supported by the reputation and security of BRI Bank, also play a key role in decision making. Apart from that, information from reference groups, socialization experiences, economic considerations, and trust in banking institutions are key factors that shape customer decision behavior.

Ahmad Muhzazin; Anzu Elvia Zahara; Sri Rahma

Maslahah : Jurnal Manajemen dan Ekonomi Syariah 2023 STAI YPIQ BAUBAU, SULAWESI TENGGARA

The banking industry is one of the businesses that relies on trust which is the main foundation of banking activities, namely confidence from the public as a Islamic banking service user, grows well for an Islamic banking can be seen from the financial performance itself. Today’s liquidity is very important for Islamic banks in carrying out activities, whether to overcome urgent needs, meet customer demand to financing, providing flexibility in achieving interesting and profitable investment opportunities so as not to inhibit sharia banking itself. In this study aims to determine the Effect of Third Party Fund (Dpk), Return On Asset (Roa), And Capital Adequacy Ratio (Car) On Liquidity (Fdr) At the Sharia Bank of General Sharia Year 2017-2022. This study used the type of Quantitative Research using secondary data acquired from the official www.ojk.go.id This study was carried out using a multiple linear regression analysis method that has the results of the study that Third Party Fund negatively affects Financing Deposit Ratio which is evidenced with -thitung> ttabel (-2,605> 1.720). The Return On Asset did not significantly affect Financing Deposit Ratio which was evidenced by thitung <ttabel (1.487 <1.720). Capital Adequacy Ratio has no significant effect to Financing Deposit Ratio which is evidenced by -thitung <ttabel (-1,315 <1.720). As well as Third Party Funds, Return On Asset, Capital Adequacy Ratio Has a simultaneous effect on Financing Deposit Ratio which is evidenced by Fstatistik <0.05 (0.000 <0.05) and Fhitung Ftabel (16.647> 39). With an effect of 0.714 or 71% on FDR at Bank Syariah Public and the remaining 29% are influenced by other variables not included in this study.

Nurohmayni Putri

Kegiatan Positif : Jurnal Hasil Karya Pengabdian Masyarakat 2023 Asosiasi Riset Ilmu Manajemen Kewirausahaan dan Bisnis Indonesia

This community service activity aims to increase understanding and ability in preparing accountable and transparent financial reports at SDN 1 Aji Jaya KNPI. Through this outreach, it is hoped that the school can manage school operational assistance funds more effectively and efficiently and can properly account for them to interested parties. In this activity, lecturers from the Mitra Indonesia University Faculty of Business Study Program provided practical guidance and training to teachers and school staff, including direct practice in preparing financial reports based on real cases in schools. Evaluation is carried out through an assessment of financial reports prepared by participants as well as feedback from participants regarding counseling materials and methods. The results include increased understanding of teachers and school staff regarding financial accountability and transparency, the realization of accountable and transparent financial reports at SDN Aji Jaya KNPI, as well as increased trust from parents and other parties in the management of school operational assistance funds. Through this effort, it is hoped that it can increase accountability and transparency in financial management at the school, as well as optimize the use of school operational assistance funds to improve the quality of education.