Dr. Afif Zaerofi

Dr. Afif Zaerofi

Pusat Studi Fintech Syariah
Biografi

Peneliti LPPM Tazkia

23

Penelitian

0

Pengabdian Masyarakat

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

Penelitian

Tanggal Publikasi: 1 Okt 2023

Analysis of The Factors That Influence The Perceptions of Culinary Business Owners Regarding Intention to Register For Halal Certificates

Indonesia Law No. 33 of 2014 concerning Halal Assurance requires that by 2019 halal certification should be effectively implemented for food and beverage products, as well as service products related to both. Out of the 1.6 million micro, small, and medium enterprises (MSMEs), only 10 percent have been halal certified. This study aims to analyze the factors that influence the perceptions of culinary business owners regarding intention to register for halal certificates. Theory of Planned Behavior will be modified and implemented in preparing the frameworks of the dependent-independent variables. Using partial least square method, 200 sample of culinary producers -owners and managers- in Bogor were studied. Intention of producers is found to be significantly influenced by trust. Trust is also found to be sensitive to functional factor and subjective norm. Trust is also found to be determining attitude, together with functional factor and perceived behavioral norms. Trust is also significant in mediating the effect of perceived behavioral norms to intention, and also in mediating the effect of subjective norm to intention.The population of this study is the MSMEs culinary producers in Great Bogor Area, West Java, Indonesia. Only the respective owners and managers of the responding businesses were the main respondent. Similar research should be done for other types of halal product in order to generalize the results.This research modify TPB in setting the framework of determinants for halal certification intention. Variables added to the original TPB framework are trust and functional factor.This result concludes that trust is crucial in the effort to increase the number of halal certified products in Bogor. The halal certification authorities would have basis to review their policies, procedures, and technical guidelines for halal certification process. This study could be extended in terms of object and other potential determinant variables. Literatures related to halal certification has limited exposure to producers’ motivation for halal certification

Penelitian

Tanggal Publikasi: 22 Apr 2024

PENGARUH PROMOSI PENJUALAN, KUALITAS WEBSITE, DAN POSITIVE EMOTION TERHADAP IMPULSIVE BUYING PERSPEKTIF EKONOMI ISLAM

This study was aimed at analyzing the effect of Sale promotion, website quality, and positive emotion on impulsive buying among Shopee application users. The population in this study were users of the shopee application in Bogor. The purposive sampling technique was used in this study with a total of 150 respondents. The obtained data ware analyzed using the multiple linear regression analysis technique through SPSS software. This study evidenced that 1). Sales promotion negatively affects impulse buying. 2). Website quality positively affects impulse buying. 3). positive emotion positively affects impulse buying. 4). Sales promotion, website quality and positive emotion have a simultaneously affect on impulsive buying on Shopee application users.

Penelitian

Tanggal Publikasi: 31 Mar 2024

Pengaruh Ekuitas Merek Dan Citra Merek Terhadap Minat Beli dalam Perspektif Pemasaran Islam

This study aims to analyze the influence of brand equity and brand image on consumer purchase intention in the context of Islamic marketing, with halal awareness as a moderating variable. The research focuses on a case study of the "Kopi Kenangan" bubble tea brand in Kendari City. The research employs an explanatory approach with a quantitative methodology. This study aims to analyze the influence of brand equity and brand image on consumer purchase intention in the context of Islamic marketing, with halal awareness as a moderating variable. The research focuses on a case study of the "Kopi Kenangan" bubble tea brand in Kendari City. The research employs an explanatory approach with a quantitative methodology. Data were collected through a questionnaire distributed via Google Form using a Likert scale, and the sample was obtained using purposive sampling technique, and analyzed using Structural Equation Model Partial Least Square (SEM-PLS). The results of the study show a positive influence between brand equity and brand image on consumer purchase intention. Halal awareness plays a role as a moderating variable that strengthens the relationship between brand equity and purchase intention but does not moderate the relationship between brand image and purchase intention. These findings are expected to provide additional insights into the factors influencing consumer behavior in the context of Islamic marketing, especially in the case of Kopi Kenangan bubble tea in Kendari City.

Penelitian

Tanggal Publikasi: 31 Mar 2024

Peran Asuransi Syariah dalam Membangun Rantai Nilai Halal

This study aims to analyze whether Islamic insurance can influence Halal Value Chain planning in Indonesia. This study combines qualitative methods and descriptive statistics by interviewing 10 practitioners and academics regarding how Islamic insurance can build a halal value chain. Then the results of the interview will be processed using the NVivo-12 software. According to the findings, practically every halal value chain cluster, including those in the food and beverage industry, halal tourism, fashion, cosmetics, and leisure media, needs sharia insurance to grow. This is so that, in the event of an unfathomable loss, Sharia insurance can ensure the continuation of Sharia-based businesses. To expand Indonesia's halal business internationally, a Sharia insurance development strategy must be created. The Penta Helix collaboration, which links academia, government, communities, business people, and the media, is one of these initiatives.

Penelitian

Tanggal Publikasi: 26 Mar 2024

The Influence of Marketing Mix on Purchasing Decisions On E-Commerce Live Streaming Platforms

This study aims to examine the influence of marketing mix (product, price,

promotion, people, and process on purchasing decisions on E-commerce Live

streaming platforms such as Shopee Live and Tiktok Live. The population of

this study is consumers in Indonesia who have shopped through Live

streaming commerce. The type of research used is quantitative research. Data

analysis techniques using Structural Equation Modeling (SEM) and data

processing using Partial Least Square (PLS) analysis with Smart PLS 3.2.9

applications. The research sample was 252 respondents, data were obtained

using questionnaires with a Likert scale of 1-6. The results showed that price,

promotion and people had a positive and significant effect on purchasing

decisions. While products and processes do not have a significant effect on

purchasing decisions in live streaming commerce.

Penelitian

Tanggal Publikasi: 19 Mar 2024

The Impact of Customer Experience and Electronic Word of Mouth on Brand Trust

This research aims to find out whether there is an influence of customer experience and electronic word of mouth (E-WoM) on brand trust of local skincare products of Z- Generation living in Jakarta, Bogor, Depok, Tangerang and Bekasi (Jabodetabek). This research uses a descriptive quantitative approach. To collect the data, a questionnaire is distributed to a total of 145 skincare products users. To analyse the data, multiple linear regression analysis is employed. This research shows that customer experience and E-WoM have a positive significant effect on Brand Trust both partially amd simultinously.

Penelitian

Tanggal Publikasi: 1 Des 2023

Analisis Strategi Pemsaran pada Perusahaan Jasa Travel Haji dan Umrah di Era New Normal

The growth of Umrah and Hajj travel business before the COVID-19 pandemic significantly incfreased. The COVID-19 pandemic caused Umrah and Hajj travel companies to experience losses. The new normal policy after the pandemic allows Umrah and Hajj travel companies to reopen their businesses. However, companies need to implement appropriate marketing strategies to maximize their profits. The goal of this research is to analyze the external and internal factors of X Tour & Travel, as well as the strategies usedto increase the sales of umrah and hajj packages in the new normal era.The methods used were SWOT analysis, CPM, and QSPM.Research has shown that increased public enthusiasm for performing umrah and hajj is a primary opportunity for X Tour & Travel. Thethreat factors for X Tour & Travel include the lack of significant solutions from governments when policies change, high levels of business competition, and Saudi Arabia's unstable regulations in the new normal era. According to the QSPM matrix, the strategies that X Tour & Travel can implement include utilizing pilgrims' testimonies and endorsements on social media to provide insight to the public about umrah according to the sunnah, using various media and developing affordable umrah packages to cater toa wider community. 

Penelitian

Tanggal Publikasi: 31 Agt 2023

SHARIA STARTUP DEVELOPMENT MODEL THROUGH BUSINESS INCUBATORS

Startups have an important role in economic development, but they also have a high failure rate. A business incubator is an institution that aims to help startups with services and resources to facilitate their development. However, currently there is no business incubator that specifically specializes in developing sharia startups. This study has objectives to (1) describe the structure of the incubation model in the current business incubator, (2) identify the needs of startups in developing their business from the sharia side and (3) propose the development of an incubation model for the right business incubator for sharia startups. Methods of data analysis in this research using a qualitative study where business incubators and sharia startups are interviewed about the incubation process model and the business needs of sharia startups. The results of this study are (1) the three incubation models of the three business incubators consist of a process that is divided into 3 stages, namely pre-incubation, incubation, and post-incubation, but the three business models are not suitable for developing a sharia startup business. Startups hope to participate in a business incubation program that supports their business in terms of sharia. (2) The results of research on startup needs in developing their business found that 50% of startups need knowledge of sharia muamalah fiqh knowledge principles, 25% of startups need digital branding training according to sharia, 50% of startups need networking and mentoring with mentors who have experience and expertise in the field. sharia sector and the most dominant is 75% startups need access to sharia business funding. (3) Therefore, the results of the last study, the researchers developed an incubation model based on the needs of sharia startups which have differences in the general/conventional incubation model, namely the addition of sharia-based activities at each stage. In the pre-incubation stage, namely the selection process for sharia-based startups, introduction to sharia economics and sharia digital training capabilities. In the incubation stage, namely knowledge of sharia muamalah fiqh, networking and mentoring with mentors who have experience and expertise in the field of sharia and character training of Muslim entrepreneurs. In the post-incubation stage, namely access to sharia business funding and a network of Muslim entrepreneurs.

Penelitian

Tanggal Publikasi: 17 Feb 2023

The Analysis of Small Medium Enterprise’s Sukuk Investment Intention Through Financial Technology Securities Crowdfunding

The study is aimed at examining the determinants of retail investor to invest in small medium enterprise’s (SME) sukuk through Fintech Securities Crowdfunding (SCF) using the extended theory of planned behaviour (TPB). The cluster random sampling was applied and survey was conducted by distributing online questionairre to retail investors who already invested through SCF in Indonesia officially licensed by the OJK (Authority of Financial Services). The data of 218 respondent were analysed using SmartPLS 3.2.9. The result suggested that attitude, subjective norm and perceived behaviour control were statistically found significant to intention to invest in SME’s sukuk. The result also showed that other variables observed, knowledge, religious factor and risk & return have positively significant impact on attitude toward SME’s sukuk

Penelitian

Tanggal Publikasi: 1 Jun 2020

Chronological Analysis of Brand Trust: A Construct Proposition

The purpose of this study is two-fold: 1) to identify the conceptual development of brand trust and 2) to propose the construct of brand trust. To help with this issue, more than twenty papers discussing the concepts of brand trust are selected and examined. The papers are chronologically analysed according to decades. A descriptive qualitative approach is used in this research. Through literature investigation it is found that although sources have various conceptualisations, they refer to the same or a similar feelings: confidence, belief, reliability, and security. However, further analysis suggests the conceptualisation of brand trust has been evolving chronologically and can be categorised into three phases: before 1990, between 1991 and 2010, and after 2011. This study contributes to the conceptualisation of brand trust through a historical (chronological) approach. It is evidence that a constructed conceptualisation of brand trust is a time-specific reflection

Penelitian

Tanggal Publikasi: 1 Des 2021

THE IMPACT OF VIRAL MARKETING ON CONSUMER’S TRUST AND PURCHASING DECISION

This study is aimed at determining the effect implementation of viral marketing on consumer’s trust through Instagram and their impact on consumer’s trust and purchasing decision by consumers in buying halal food. This study uses quantitative approach and survey method. Population of this study was 1.653 students of IAI Tazkia Bogor with 175 students who have an account and have made purchasing through Instagram as samples. To analyze the data, path analysis is used with the help of SPSS 16.00 for windows program. The result of this study suggests that viral marketing has positive and significant impact on both internal and external consumer’s trust. Interestingly, viral marketing, internal and external consumer’s trust simultaneously also have a significat impact on purchasing decision.