This research departs from the problem of managing clean water sources in Pesanggrahan Village, East Lombok which was carried out by Baitul Maal wa Tamwil Tunas Harapan Syantara. In conducting research, the study used qualitative research based on interviews, documentation and questionnaires as primary data in this research. In the next stage, the study analyzes the data using management theory and SWOT to look at planning, organizing, implementing, controlling models and the problems faced. After going through a long academic research process, the result indicates that the value of strengths-weakness (2.53-0.58): 2 = 0.98, while opportunities (1.50) – Threats (1.14): 2 = 0.18. The finding also indicates that the SWOT analysis quadrant graphic, the position of clean water source management is in quadrant I, which means it is good for the continuation of clean water management in Pesanggrahan Village. The next strategy that must be carried out is promotion, using advertising, sales promotion, personal selling, direct marketing and public relations.

Over-the-counter and restricted over-the-counter medications are commonly used by students because they are easily accessible and can be purchased when feeling unwell. The aim of this study is to understand the purchasing behaviour of over-the-counter and restricted over-the-counter medicines labelled as halal among students in the Jabodetabek region. In particular, this study examines the influence of the theory of planned behaviour (TPB), which includes behavioural control, subjective norms and attitudes, on the purchasing behaviour of halal labelled medicines. The research results show that behavioural control and subjective norms significantly influence the purchasing behaviour of halal medicines among students in the Jabodetabek region. However, contrary to initial expectations, no significant influence of the attitudinal variable was found on halal medicine purchasing behaviour among students in the Jabodetabek region.

Abstract

The purpose of this research is to know the intensity and quality of literacy
of Generation Z as well as their interest in reading books in libraries,
because libraries as a medium of scientific development, are now beginning
to not attract the attention of younger generations. This research is
aqualitative research using a phenomenological and descriptive approach
carried out to the 22 people of Generation Z and librarians of the National
Library of RI. This research uses the technique of interviewing and retrieval
of visitors' data that is done directly in National Library RI. The results of
this research show that there are still many generations of Z who are
interested in reading the book either online or physical. As they tend to love
books with fiction categories and technology provides a change that greatly
facilitates Generation Z to explore reading material. This indicates that the
more advanced technology is, the more information will be received by the
general public, re-creating great writers and readers in the country of
Indonesia.

Abstrak

Tujuan penelitian adalah untuk mengetahui intensitas dan kualitas literasi
Generasi Z serta ketertarikan mereka dalam membaca buku di perpustakaan,
karena perputakaan sebagai media perkembangan ilmu pengetahuan, kini
sudah mulai tidak menarik perhatian para generasi muda. Penelitian ini
merupakan penelitian kualitatif dengan menggunakan pendekatan
fenomenologi dan deskriptif yang dilakukan kepada 22 orang Generasi Z
dan pustakawan Perpustakaan Nasional RI. Penelitian ini menggunakan
teknik wawancara dan pengambilan data pengunjung yang di lakukan secara
langsung di Perpustakaan Nasional RI. Hasil penelitian ini menunjukan
bahwa masih banyak Generasi Z yang tertarik dengan membaca buku baik
itu secara online atau buku fisik. Sebagaian mereka cenderung menyukai
buku dengan kategori fiksi dan teknologi memberikan perubahan yang
sangat mempermudah Generasi Z untuk mengeksplore bahan bacaan. Ini
menandakan bahwa semakin canggih teknologi maka semakin banyak
informasi yang akan di terima masyarakat luas, kembali ciptakan para
penulis hebat dan gemar membaca di negara Indonesia.

This research aims to determine the influence of the halal label, knowledge and religiosity on local cosmetics labeled halal. Looking at the surrounding environment, many generation Z people still don't care about choosing local cosmetics that are labeled halal. Apart from that, this research advises consumers or cosmetic users to be careful in choosing the cosmetic brands they use, especially local cosmetics. Therefore, the author decided to conduct research on generation Z, both men and women who live in Jabodetabek. Around 112 respondents completed the survey, and data collection was done using questionnaire. The data were analyzed using software SmartPLS 3.0 with analysis method structural equation modeling (SEM).Result showed that consumers' decisions to buy are significantly and favourably influenced by the halal label. This shows that consumers are increasingly aware of the importance of choosing locally produced cosmetics that are halal certified.Further evidence of a noteworthy degree of awareness of the significance of selecting halal-labelled products comes from the significant link that exists between customers' knowledge of local cosmetics and their shopping decisions. This study suggests further exploration of the specific factors that drive the positive influence of the halal label and emphasizes the need for a deeper understanding of the complex dynamics between religiosity and purchasing decisions, thereby contributing valuable insights for industry stakeholders.

Abstract: This research aims to analyze the factors that cause the insignificant development of sharia banking performance in Indonesia. This research focuses on identifying practices that are not purely sharia as the causal factors that hinder the development of sharia banking. The population in this research is Sharia Commercial Banks (BUS) registered with the Financial Services Authority (OJK) in the 2014-2018 period. The data obtained was analyzed using multiple regression with panel data. The results of this research indicate that murabahah financing and profits from transactions denominated in foreign currency have a negative effect on the performance of sharia banking. Financingmurabahaproven to increase Non-Performing Financing (NPF), in addition, transactions denominated in foreign currency are proven to reduce Return on Assets (ROA), as well as increase Operating Expenses, Operating Income (BOPO) and NPF of sharia banking. Meanwhile, non-halal income has no effect on sharia banking performance. The implication of this research is that sharia banking must improve operational practices that are not purely sharia to make them pure sharia. The two regulators, namely the OJK and the government, create a more conducive environment so that sharia banking is able to implement operational practices in accordance with sharia principles.Keywords: financial performance, sharia banking, impure sharia practicesIntroductionSharia banking is a representation of Islamic economic practices in Indonesia. Sharia banking is expected to provide a new color in the financial sector that is significantly different from conventional banking. However, in practice, sharia banking has notbeen able to create significant uniqueness which is ultimately considered to be one of the causes of the lack of development of sharia banking itself. Sharia banking is considered to have had stagnant development since its presence in Indonesia, even after the number of BUS became 14, the performance of sharia banking has not yet shown encouraging performance. This can be seen in the development of market share in the last 8 years, only ranging from 3.98% to 5.89% (Sharia Financial Development Report 2018;LPPM Report, 2018). Over the last 8 years the sharia banking market share has only grown by 1.8% with several declines. However, this growth in market share does not solely come from business growth but is

The main purpose of this study is to explore livelihood theory in the works of al-Ghazali and al-Shaybani, presenting it as an alternative to mainstream livelihood conceptions by highlighting its normative impacts on current socio-economic situations. Through textual evidence, this study demonstrates that both scholars viewed livelihood not merely as a means to income and consumption, a perspective that fails to grasp the importance of livelihood as an end in itself and as a means to well-being. Al-Ghazali and al-Shaybaniemphasized that livelihood involves affiliating individuals with social responsibilities, which encompass multidimensional variables (religious, legal, moral, political, social, economic, etc.) that influence each other. In light of this, the study proposes to evaluate the potential impact of their ideas on the latest theoretical developments in livelihood and economic science
 

This study examines the efficiency of local government spending

This study aimed to identify the factors influencing student financial management in the Jakarta Metropolitan Area. The study included 206 Jakarta Metropolitan Area respondents who met the following criteria: active students at Jakarta Metropolitan Area universities aged 17 to 25 years. The study employed the SEM-PLS method as the primary analysis approach. The results indicated that several factors showed positive and negative correlations on student financial management in the Jakarta Metropolitan Area. Specifically, self-control and financial literacy, which are internal factors, influenced financial management, while allowances and good lifestyle, which are external factors, had no influence. These findings suggest that individuals tend to manage their finances effectively when equipped with a thorough understanding of financial principles and strong self-control. The results of this study offer significant practical implications for the Jakarta Metropolitan Area government in designing strategies to increase financial inclusion more effectively. This study emphasizes the importance of self-control and financial literacy as the main factors affecting financial management skills among college students, and lifestyle factors and the amount of pocket money have no significant effect. Furthermore, financial institutions can use these findings to develop better financial products to meet consumers' preferences for sound financial principles. By providing a better understanding of the factors influencing financial management, this research can contribute to more responsible, sustainable, and compliant financial management within society.

Along with the increasing number of investment transactions which continued to soar until the end of 2023, the Islamic Capital Market is additionally playing its role in improving the economy in Indonesia, especially for Muslims who want to carry out investment transactions within the Sharia corridor. This research aims to find out whether Islamic financial literacy, religiosity, and investment motivation significantly influence on investment intention in the Islamic Capital Market with a case study of Muslims in Bogor. The object is chosen Bogor is one of the largest Muslim regions in West Java, as the province itself is the top ten largest Muslim community in Indonesia. The results of research using SEM-PLS (Structural Equation Model Partial Least Square) show that Islamic financial literacy has no significant effect on investment intention in the Sharia Capital Market as the T-Statistic is being rejected (0.524> 0.05), but religiosity (0.001< 0.05) and investment motivation (0.000< 0.05) are proven to have a significant influence on investment motivation in Sharia Capital Market as the T-Statistics are being accepted. However, this study complements previous research differentiating the research scope and summoning some variables that was used in the previous research. Religiosity is measured by the respondent’s consideration of Islamic law in investment institutions, while investment motivation means the respondent’s desire to fulfill their physiological needs, sense of safety needs, social needs, esteem needs, and self-actualization needs.

The protracted conflict between Israel and the Palestinian Hamas group, culminating with an Israeli offensive in October 2023, has caused significant suffering to the Palestinian people. The response to the attack, including international support and a fatwa from the Indonesian Ulema Council (MUI), has prompted Indonesians to boycott products linked to Israel. This study aims to investigate the effect of religiosity, animosity and ethnocentrism on the motivation for boycotting Unilever Indonesia products related to the company's commitment to Israel, focusing on these factors. This type of research is quantitative descriptive with the SEM-PLS approach. The application used is SmartPLS version 4.0.0 with sample data used by 162 respondents through the distribution of questionnaires. The results show that the variables religiosity, consumer animosity and ethnocentrism have a positive and significant influence on the motivation to boycott Unilever Indonesia products. These findings highlight the importance of paying attention to psychological and social factors in the analysis of consumer behavior and their impact on companies and society at large. It also suggests that companies must take into account the social and political implications of their policies, as well as understand the values and beliefs underlying consumers' motivations for boycotting.

This study aims to measure the performance of Sharia Rural Banks in West Java using the maqashid sharia approach by Abdul Majid Najjar. The sample used in this study consists of 9 rural banks spread across West Java. The research data employed are secondary data in the form of financial reports for the year 2023 sourced from the Indonesia Financial Services Authority (OJK) website and governance reports for the year 2023 sourced from the official websites of each Sharia Rural Banks. The results of the study indicate that BPRS Al Salaam Amal Salman achieved the highest maqashid sharia score, followed by BPRS PNM Mentari and BPRS Almadinah Tasikmalaya Perseroda as the top three Sharia Rural Banks in West Java with the highest maqashid sharia index scores. Further analysis at the consequence level reveals that "Self" is the consequence with the highest average score compared to other consequences. Meanwhile, the consequence "Intellect" shows the lowest maqashid performance score. This study is expected to serve as a foundation for sharia banks to enhance the implementation of sharia values in their operational practices. Additionally, this study can contribute to a deeper understanding of the compliance of sharia financial institutions with the principles of maqashid sharia at the regional level.

Sheikh AbūMadyan al-Maghribīemerged as a prominent Sufi personality during the 6th century AH. He was often known as Ra's al-Sūfiyyah fīWaqtih, which alludes to the prevailing influence of Sufism during his era. Additionally, he was recognised as Shaykh Ahl al-Maghrib, a title denoting his esteemed position within the Islamic community residing in the western region. One of his most renowned literary compositions is al-Ḥikam al-Ghawthiyyah, which has been subject to scholarly expositions aimed at facilitating readers' comprehension of its significance. Sharḥal-Ḥikam al-Ghawthiyyah, authored by Shihāb al-Dīn Aḥmad ibn Ibrāhīm al-Makkī, who is also recognised as Ibn 'Ilan al-Ṣiddīq al-Shāfi‘īal-Naqshabandī(975–1033), is a text specifically designed for the purpose of delivering lectures. This article subsequently analysesa passage of advice from the book relevant to the argument over the Quranic revelation (Tanazzul al-Qur’ān). This study applies document sources as a data collection and analysed using the content analysis method. Therefore, a qualitative technique was employed to ascertain the distinct semantic connotations of the terms “nuzul” and “tanazzul.” Sheikh AbūMadyan al-Maghribīreached the scholarly conclusion that the phenomenon of nuzul, which refers to the revelation of the sacred verses of the Quran specifically dedicated to the Prophet Muhammad (PBUH), has already taken place and would not recur in the future. The phenomenon of tanazzul al-Qur’ān, denoting the gradual assimilation of the Quran within the hearts of Allah’s custodians, is expected to persist until the Day of Judgement.

The objective of this research is to examine the impact of Islamic insurance funds' asset allocation, which includes mudharabah deposits, sovereign sukuk, corporate sukuk, and Islamic mutual funds, on the asset growth of Islamic insurance funds in Indonesia. This study employs quantitative methodology, utilizing Vector Autoregression (VAR) and Ordinary Least Square (OLS) to analyze data series spanning from January 2016 to April 2023. The findings of the ordinary least squares (OLS) analysis indicate that the proportion of funds invested in Islamic mutual funds, government sukuk, corporate sukuk, and mudharabah deposits has a substantial and positive impact on the expansion of Islamic insurance assets. Moreover, the findings from the VAR indicate that a positive and statistically significant short-term relationship exists exclusively with government sukuk and its impact on the expansion of Islamic insurance assets. To optimize the allocation of investment funds for investors and stakeholders, sovereign sukuk and corporate sukuk may be considered, in light of the Impulse Response Function and Variance Decomposition analysis.

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

The aim of this research is to test and analyze the effect of applying the Expected Loss Method on earnings quality in the context of the pandemic surrounding.  The research sample consisted of 16 Islamic commercial banks registered with the Financial Services Authority for the 2019-2022. Using panel regression analysis techniques processed through STATA 18, this research measures earnings quality with discretionary loan loss provisions (DLLP). Control variables include liquidity, which is proxied by the financing-to ratio (FDR), efficiency by BOPO, and bank size by Ln Total Financing. The results show that the impact of EFL on earnings quality is positively significant. This means that the higher the implementation of EFL, the greater the increase in DLLP, which indicates a further decline in earnings quality. During the pandemic, DLLP 27.98 demonstrated a higher value compared to non-pandemic periods, indicating a decline in earning quality during that period. This research provides input for regulators in drafting regulations related to CKPN, which is prone to being used as an earnings management tool. For investors, these findings can help in evaluating bank performance to make better investment decisions.

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

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%.

This research aims to discover how classical Muslim scholars named Abu Ubaid and contemporary academics think about the existence and Islamic law regarding digital currency. This library research uses meta-analysis, sentiment analysis, and critical analysis. This research uses secondary data from scientific journal articles published in 2017-2023. The data source in this research was obtained from the Dimension database. The research results show that there are 106 pieces of scientific literature about digital currency from an Islamic perspective and 35 scientific kinds of literature about Abu Ubaid in the economic field with fluctuating literature development. Digital currency is not based on Abu Ubaid's thinking about the function of money because digital currency is a virtual currency that does not have underlying assets and many elements of uncertainty and other harm. Contemporary research studies also indicate a prevailing inclination towards negative rather than positive sentiment regarding the presence and implementation of Islamic law in digital currency. The dar'u al-mafasid muqaddam ala jalb al-masalih principle might help resolve the dispute between those who permit and those who forbid it. This research can be used as reference material for relevant research in the future and is helpful as material for public reflection and evaluation for policymakers to revitalize the application of digital currency by Islamic principles.

This study highlights the current state of green sukuk research, conducted through journals filled with descriptions of digital objects. This analysis focuses on the character and writing style of keywords, authors, and journals. The data analyzed amounted to 123 studies published in Dimensions (https://dimension. ai). Descriptive statistical methods were used, and bibliometric analysis was performed using R Biblioshiny to determine bibliometric maps. The number of articles discussing the green sukuk theme has been quite large in recent years. Many journals have published articles on green sukuk, most of which is the Journal of Islamic Accounting and Business Research which contains several authors who investigate the topic with various keywords, the most prolific author is Musari K., and the most widely used keyword is" green, sukuk and Islam". This study provides an overview of trends in topics, keywords, journals, and authors in popular articles about green sukuk. It provides information for researchers focused on this area. Overall, green sukuk holds immense potential to emerge as a key instrument in financing sustainable projects in the future. With concerted support from all stakeholders, green sukuk can serve as a catalyst for achieving inclusive and environmentally responsible sustainable development on a global scale. This theme can be expanded for the future.

This research was conducted to determine previous research trends regarding zakat regulation as well as the sentiment from these studies regarding the policy and implementation of zakat regulations in Indonesia. The methodology used in this research is a qualitative method with descriptive statistics on secondary data from 151 literature studies related to zakat regulation published and available on Dimensions.ai over a period of 7 years (2017-2023). The data analysis techniques used are meta-analysis and sentiment analysis which are processed using Microsoft Excel 2019 and SentiStrength software. Then, to reveal this problem in depth and comprehensively, a Systematic Literature Review (SLR) study was also carried out. The research results show that the publication of scientific literature regarding zakat regulation in Indonesia continues to increase every year, indicating that this field is quite interesting to discuss for researchers and has extensive research space and continues to develop. This study can be used as a reference in identifying influential authors, articles and journals so that future researchers will find it easier to find references that have a big influence on the development of literature on zakat regulation in Indonesia. Apart from that, by knowing what things were criticized from the negative perceptions of previous researchers regarding the policy and practical application of zakat regulation in Indonesia, it is hoped that this research can become evaluation material for regulators and policy makers to revitalize existing regulations to realize their potential.