Dr. Afif Zaerofi

Dr. Afif Zaerofi

Pusat Studi Fintech Syariah
Biografi

Peneliti LPPM Tazkia

34

Penelitian

0

Pengabdian Masyarakat

Penelitian

Tanggal Publikasi: 22 Apr 2025

Analisis Pengaruh Etika Penjual Terhadap Loyalitas Pelanggan Pada Industri Otomotif

This research aims to analyze the influence of seller ethics on customer satisfaction, trust, and loyalty. Additionally, it aims to explore the impact of satisfaction and trust on customer loyalty within the automotive industry. Using a quantitative approach and survey method, data was collected from 95 automotive industry employees in the Jabodetabek-Karawang area via cluster sampling. A questionnaire was utilized for data collection, and the analysis was conducted using PLS SEM.The results indicate that seller ethics positively and significantly impact customer trust, satisfaction, and loyalty. Specifically, enhanced seller ethics correlate with higher customer satisfaction, strengthened customer trust, and increased customer loyalty. Moreover, high customer trust boosts loyalty, and customer satisfaction is crucial for fostering loyalty.These findings underscore the importance of seller ethics in cultivating robust and profitable customer relationships. By practicing good ethics in customer interactions,sellers can enhance trust, satisfaction, and loyalty. This study contributes to the automotive industry literature and has practical implications for companies, suggesting that improving salesperson ethical behavior through training and coaching can be beneficial.

Penelitian

Tanggal Publikasi: 1 Mar 2025

Pengaruh Persepsi Kemudahan Penggunaan, Kepercayaan Dan Religiusitas terhadap Minat Berwakaf Uang menggunakan Aplikasi Wakaf

This study aims to analyze the influence of perceived ease of use, trust, and religiosity on the behavioral intention to perform cash waqf through a waqf application in the Jabodetabek area (Jakarta, Bogor, Depok, Tangerang, and Bekasi). This study employs a quantitative approach with a survey method to collect data from internet users who have participated in waqf through waqf applications or websites. Statistical techniques are used for data analysis to test the proposed hypotheses, and the analytical tool applied is SEM-PLS. The results showed that the three variables had a significant influence on interest in using the cash waqf application. Perceived Ease of Use acts as a major factor in technology adoption, where the ease of use of the application increases user interest. In addition, a high level of religiosity encourages individuals to be more interested in waqf through digital applications. Trust in transparency, security, and management of funds according to sharia principles also plays an important role in increasing user interest. The implications of these findings indicate the importance of waqf application providers to improve ease of use, transparency, and features that support religious values to attract more users. The findings are expected to provide insights into the future development of digital-based waqf applications. Future research could expand the research variables and apply a qualitative approach to dig deeper into the user experience.

Penelitian

Tanggal Publikasi: 21 Jan 2025

The Role of Customer Satisfaction in Moderating the Effect of Brand Image and Service Quality on Loyalty (Study on Islamic Banking in West Java Region)

This study examines the factors that influence customer loyalty at Islamic banks in West Java in the face of increasingly fierce competition in the Islamic banking industry. The research focuses on brand image, service quality, and customer satisfaction, highlighting the moderating role of customer satisfaction. The uniqueness of this study lies in the in-depth exploration of how customer satisfaction serves as a moderator that strengthens the relationship between brand image and loyalty in the religious preferences of the people of West Java. Data was collected from Islamic bank customers in West Java using purposive sampling method, with a total of 259 respondents. Data analysis was conducted using Structural Equation Modeling (SEM) with AMOS software version 24. The results showed that brand image, service quality, and customer satisfaction have a positive and significant effect on loyalty. In addition, customer satisfaction moderates the relationship between brand image and loyalty, strengthening customer trust and long-term commitment. This research introduces a new perspective by integrating the religiosity dimension as an intrinsic factor that influences the effectiveness of Islamic banks' strategies in increasing customer loyalty. The practical implication is that Islamic banks should enhance customer experience through specific strategies, such as providing intensive training to improve employees' service skills, using technology to ensure service efficiency and convenience, and developing marketing campaigns that are consistent with Islamic values. In addition, proactive and transparent complaint management can strengthen customer relationships. These measures are important to strengthen brand image, improve service quality, and foster loyalty in the long run.

Penelitian

Tanggal Publikasi: 29 Des 2024

Enhancing ZIS management through marketplace platforms: Opportunities and sharia compliance challenges

Zakat Institutions and marketplace platforms have established a
collaboration to adapt to the growing shift toward digital transaction
patterns in managing Zakat, Infaq, and Shadaqah (ZIS). Marketplaces
offer convenience in ZIS collection, while LAZ ensures Sharia
compliance in fund management. This study highlights how such
collaboration significantly expands the reach of ZIS collection,
presenting immense potential, but also identifies challenges in ensuring
Sharia compliance and accountability. The research employs a
qualitative methodology to explore the dynamics of the collaboration
between Zakat Institutions and marketplace platforms. Thematic
analysis was applied to identify key themes related to the opportunities
and challenges of the collaboration. The research contributes to the
understanding of digital platforms' role in faith-based financial
management, offering practical insights for enhancing cooperation
between LAZ and marketplaces. It emphasizes the need for dialogue,
public education about ZIS and qurban, and system adjustments to
ensure Sharia compliance. The findings have practical implications for
improving digital ZIS management through enhanced accountability
and regulatory frameworks, making this collaboration a model for
leveraging technology in religious fund management.

Penelitian

Tanggal Publikasi: 4 Des 2024

Do Halal Literacy, Religiosity, and Legal Compliance Affect the Motivation of Applying for Halal Product Certification?  

The enactment of regulations regarding the obligation to guarantee halal products in Indonesia according to Law Number 33 2014 is mandatory and binds for SMEs owners to have halal guarantees for all products that are offered. However, the number of Indonesian SMEs that have been halal-certified remains very low and far from their potential. The purpose of this study was to analyze the effect of the level of literacy, religiosity, and legal compliance of SMEs owners on halal product guarantee regulations using a quantitative approach with a research instrument in the form of a questionnaire distributed to SMEs owners in Depok. This study used a purposive sampling technique and obtained as many as 152 food SMEs that had not been halal certified. The results of this study show that halal literacy and religiosity influence the motivation of SMEs owners to apply for halal certifications. There are still SMEs owners who do not know or understand the rules and requirements for applying for halal certification. Legal compliance has no influence on SME owners’ motivation to apply for halal product certification. The majority of respondents complied with business regulations but did not have halal certification. The results of this study are expected to contribute to the implementation of halal certification policies and growth of the halal industry in Indonesia.

Penelitian

Tanggal Publikasi: 22 Nov 2024

How Perceived Value Mediates Muslim Consumer Loyalty to Halal Cosmetics: An Analysis of Labelling, Price, and Quality

Introduction: Community productivity is critical in maintainingquality of life to avoid disasters. The use of digital technology in the economic aspect has also provided opportunities for people far from the market to earn income to meet their living needs.Objective: This quantitative study aimed to explore the impact of halal labeling, price, and product quality on consumer loyalty toward Indonesian skincare products among Muslim consumers in the Jabodetabek area. Specifically, it examines the mediating role of perceived value in these relationships.Method: Primary data were collected through a questionnaire distributed to 115 Muslim respondents who used Indonesian skincare products from Jabodetabek. The study employed random sampling was used for the participant selection. For data analysis, Structural Equation Modeling (SEM) using Partial Least Squares (PLS) was used to assess both the direct and indirect effects of the variables.Result: This finding revealed that labeling and price do not directly affect consumer loyalty. At the same time,product quality and perceived value do, with the latter being positively influenced by price and product quality. The study also concludes that perceived value is a crucialdriver of consumer loyalty, emphasizing that companies should focus on enhancing product quality and perceived value to strengthen consumer loyalty while recognizing that halal labeling, although important in principle, does not directly impactconsumer loyalty or perceived value. Implication:The findings suggest thatproduct quality and perceived value are critical drivers of consumer loyalty for skincare products targeting Muslim consumers in Jabodetabeky. Halal labeling, while necessaryin principle, does not directly influence loyalty or perceived value. Companies should prioritize enhancing product quality and delivering perceived value to strengthen consumer loyaltywhileconsidering competitive pricing strategies that enhance perceived value
 

Penelitian

Tanggal Publikasi: 17 Okt 2024

Pengaruh Kompetensi Staf, Proses, dan Bukti Fisik Terhadap Loyalitas Pelanggan Melalui Kepuasan Sebagai Variabel Mediasi

The purpose of this reseach is to find out whether people, processes, and physical evidence have an effect on customer loyalty through customer satisfaction as mediating variable. This research uses descriptive quantitative method. The population of this research is the customers of Puncak Mas Boutique Syariah Hotel West Java. The sampling technique used was non-probability sampling, with the Convenience Sampling method and distributing questionnaires directly to 100 respondents. To analyze the data, Partial Least Squares – Structural Equation Modeling (PLS-SEM) analysis was used using the SmartPLS 3 application. This study found that the process and physical evidence directly affect customer satisfaction and indirectly affect customer loyalty through customer satisfaction. However, the people variable did not affect both customer satisfaction and loyalty.

Penelitian

Tanggal Publikasi: 11 Okt 2024

The Impact of Ambiet Factors on Consumer Purchase Decisions

The rise of globalization and the increasing dominance of information technology have
transformed the paradigm for business success. Infrastructure is no longer the sole foundation
for entrepreneurs. Instead, the economic landscape now places greater emphasis on intangible
assets such as intellectual capital. This includes elements like market perception, interpersonal
relationships, company ethos, brand reputation, patents, trustworthiness, strategic vision, and
specialized expertise. In this evolving economic environment, these intangible factors play a
pivotal role in determining the competitiveness and prosperity of businesses. This research uses
quantitative research methods and approaches. Data is collected through random sample
distribution of questionnaires to respondents. The respondents of this study are offline store KKV
visitors. In this study, ambient temperature are predictors that have significant correlations and
influence, contributing to 43.8 percent of variance in customers purchase decisions.

Penelitian

Tanggal Publikasi: 11 Okt 2024

Pengaruh Kemampuan Digital dan Kualitas Layanan Elektronik Terhadap Minat Beli Melalui E-Commerce

Currently, the world is experiencing rapid changes with the advent of the Fourth
Industrial Revolution. Digital technology is rapidly developing worldwide, including in Indonesia.
Technological advancements have permeated all human activities, including the business world,
through innovations in electronic commerce, commonly known as e-commerce. This research
uses descriptive quantitative research methods and approaches. The study employs Partial Least
Squares-SEM as a tool to analyze data obtained from distributed questionnaires. Data was
collected through random sampling distribution of questionnaires to respondents, specifically
students in Bogor who have shopped on e-commerce platforms. The results of this study indicate
that the variable of digital capability has a positive and significant effect on purchase intention,
as evidenced by an Original Sample value of 0.152 and a P-value of 0.027 < 0.05. Additionally, the
quality of electronic services has a positive and significant effect on purchase intention, as seen
from an Original Sample value of 0.640 and a P-value of 0.000 < 0.05.

Penelitian

Tanggal Publikasi: 28 Sep 2024

Preferensi Masyarakat Dalam Membayar Zakat Melalui Badan Amil Zakat Nasional (BAZNAS) Kabupaten Tasikmalaya

His research aims to achieve the following objectives: 1) to understand the preferences of the community in paying zakat through Baznas Kab. Tasikmalaya, 2) to comprehend the communication between Baznas Kab. Tasikmalaya and the community, 3) to ascertain the reputation of Baznas in the eyes of the community, 4) to identify the services provided by Baznas to the community, and 5) to determine the community's interest in paying zakat through Baznas Kab. Tasikmalaya. This research employs a descriptive quantitative approach with the analysis techniques of Kaiser Meyer Olkin (KMO) and Measure of Sampling Adequacy (MSA), along with mean calculations. Convenience Sampling Technique is utilized in this study, with a total of 100 respondents residing in Kab. Tasikmalaya. The findings of this research are as follows 1). The community's preferences in paying zakat, in descending order, are influenced by social factors, payment methods, environmental influence, and accessibility, 2). The communication between Baznas Kab. Tasikmalaya and the community is effectively established, with indicators such as community trust, institutional closeness, sympathy, credibility, capability, and clarity. Credibility stands out as the highest indicator, 3). The reputation of Baznas Kab. Tasikmalaya falls into the "good" category based on indicators such as credibility, reliability, and responsibility. The responsibility indicator is the highest, 4). The services provided by Baznas Kab. Tasikmalaya are considered relatively good, with politeness being the highest indicator in service formation, 5). The interest in paying zakat among respondents, based on motivation and social motives, is generally high. However, when it comes to paying zakat through Baznas Kab. Tasikmalaya, the average response falls into the category of uncertainty

Penelitian

Tanggal Publikasi: 28 Sep 2024

Pengaruh Label Halal, Online Promotion dan Online Customer Review terhadap Keputusan Pembelian

Penelitian ini bertujuan untuk menganalisis pengaruh Label Halal, OnlinePromotion, dan Online Customer Reviewterhadap Keputusan Pembelian secara online. Penelitian ini menggunakan pendekatan deskriptif kuantitatif. Populasi penelitian ini adalah pelanggan Mie Instan Lemonilo diwilayah Jakarta, Bogor, Depok, Tangerang, Bekasi (Jabodetabek), dengan sejumlah 350 pelanggan sebagai responden. Teknik pengambilan sampel yaitupurposive sampling. Menganalisis data, digunakan partial least squares structural equation modeling (PLS-SEM). Hasil penelitian ini menunjukan bahwa seluruh variabelberpengaruh positif terhadap keputusan pembelian secara online. Penelitian ini juga menemukan Online Promotionmenjadi variabelterkuat. Diharapkan mie instan Lemonilo tetap meningkatkan kualitas dan kuantitas promo.1Penulis korespondensi

Penelitian

Tanggal Publikasi: 7 Agt 2024

The Determinants of Millennial Interest in Investing on Sharia Securities Crowdfunding Platforms In Indonesia

This research aims to analyze the influence of attitude variables, subjective norms, and perceived behavioral control on interest upon investing in SCF sharia as well as the influence of the variables of Islamic financial literacy, religiosity, risk and return on attitudes towards investing among the millennial generation in SCF Syariah. The research employed a quantitative approach utilizing the Structural Equation Model Partial Least Square (SEM-PLS) with primary data gathered through purposive sampling. The technique was conducted by an online method on 152 individuals from the millennial generation. Not all TPB factors significantly influence the interest to invest in Sharia Securities Crowdfunding. Attitude and Behavior Control Perception have a positive impact on the interest to invest in Sharia SCF. Subjective Norm does not have an impact on the interest to invest in Sharia SCF. Sharia financial literacy does not significantly affect attitude. Religiosity significantly affects attitude. Risk and return significantly affect attitude.

Penelitian

Tanggal Publikasi: 24 Jun 2024

The Influence Of Brand Image, Brand Satisfaction And Brand Trust On
H&M Customer Brand Loyalty In The Jabodetabek Area

Fast fashion is a phenomenon in the clothing industry that offers the
latest fashion trends at low prices and fast production times. one of the
famous brands is H&M. In Indonesia, H&M has spread to 19 cities in the
last 8 years.This study aims to analyze the effect of brand image brand
satisfaction brand trust on H&M customer brand loyalty in the
Jabodetabek area. Data collection was carried out by distributing online
questionnaires via G-form. Multiple linear regression methods are used
as data processing methods. The results of this study partially the
Brand Image variable has no significant effect on brand loyalty, and the
Brand Satisfaction variable, and Brand Trust have a significant positive
effect on Brand Loyalty. Simultaneously all dependent variables affect
the Brand Loyalty variable. In this study, all independent variables can
influence the dependent variable by 58%.

Penelitian

Tanggal Publikasi: 24 Jun 2024

The Influence Of Brand Awareness, Brand Image, And Brand Trust On The Decision To Purchase HP Laptops In The Jabodetabek
Community

The personal computer industry, especially in the classification of
laptop, is one of the largest industries in Indonesia, which has massive
sales. In this sector, products from several global-scale computer
companies have long been the choice of Indonesian consumers,
including HP as its one of leading brand for laptop. This aim to analyze
the effect of brand awarness, brand image, brand trust on HP laptop
purchasing decisions in Jabodetabek who use HP Laptop. The
population in this study were 100 then the whole was taken to be
sampled who use HP laptop. Methods of data analysis using the
validity and reliability of the questionnaire, multiple regression analysis.
The results of this study indicate that the brand awarness, brand image
and brand trust variables simultaneously and partially have a significant
effect on purchasing decisions (a survey of HP laptop users specifically
for the Jabodetabek area). The coefficient of determination is 0.772
which indicates that the ability of the independent variables to predict
the dependent variable is 77%. 23% is influenced by other factors not
examined by the author

Penelitian

Tanggal Publikasi: 27 Jun 2024

The Influence of Service Attributes on Customer Intention to Revisit Sharia Hotel with Halal Awareness as a Moderating Variable

Purpose – This research aims to analyze the effect of service attributes, including halal food and beverages, sharia-compliant hotel facilities, sharia-compliant hotel operations, and Sharia-compliant hotel design, to revisit Sharia hotels in Jakarta, Bogor, Depok, Bekasi (Jabodetabek) areas with halal awareness as a moderating variable.

Methodology – The data utilized consisted of 150 respondents who are Muslim consumers who have previously stayed and revisited Sharia hotels in the Jabodetabek area. Sampling technique used was purposive sampling. The data were analyzed using structural equation modeling (SEM) and processed through partial least squares (PLS) analysis.

Findings – This research found that Sharia-compliant hotel operations and design significantly and positively influence consumers' intention to revisit Sharia hotels in Jabodetabek. However, halal food and beverages, as well as Sharia-compliant hotel facilities, ddid not have a significant impact on repeat visits. Halal awareness, as a moderating variable, has not been able to strengthen the influence of Sharia hotel service attributes on repeat visits