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.

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%.

Artificial intelligence-based technologies, such as Chat GPT, are increasingly being applied in online businesses to improve business performance in businesses. This research uses qualitative research to explore the impact of using GPT Chat on online business performance among digital business actors using a phenomenology approach. In this research, data collection was carried out using a structured interview method. The data analysis method used in this research is thematic analysis. The results of data analysis show that using ChatGPT helps complete tasks faster, makes it easier to complete tasks, helps acquire new knowledge, helps acquire new skills, helps find innovative ideas, using ChatGPT can improve your service delivery to customers, helps identify problems faced by the company, helps in making decisions for the company, helps make better quality decisions and helps make more effective decisions.

This study aims to analyze the influence of variables such as knowledge, ability, attitude, and trust on the interest in using Shariah Peer to peer (P2P) Lending Fintech: A Case Study of Communities in Jabodetabek. The data source of this research is primary data derived from a sample of residents in Jabodetabek. Data collection was conducted by distributing questionnaires to 100 respondents. The analysis method used is Partial Least Squares Structural Equation Modeling (SEM-PLS) technique using SmartPLS.3 software. The results of this study indicate that all four variables significantly influence interest and engagement of the community in using Shariah fintech services. It emphasizes the complexity of factors influencing the adoption of Shariah financial technology.

The study aimed to assess the impact of graduates
from Islamic boarding schools and general schools on Quran
memorization levels and academic grades of Hafidzpreneur
students. The method used was a dummy variable regression
with data processing using Microsoft Excel 2016. The primary
data used were collected through questionnaires distributed to
Hafidzpreneur students via Google Forms. The data were
analyzed using regression analysis, partial F-test, and
simultaneous F-test. The R-squared value in this study was
0.416, indicating that the dependent variable (Quran
memorization) can be explained by the independent variables
(graduates from Islamic boarding schools and general schools,
and academic performance) to the extent of 41.6%. The
remaining 58.4% can be explained by other variables. The
study found that graduates from both Islamic boarding
schools and general schools negatively affected Quran
memorization, as indicated by a probability of 0.34 > α = 0.05.
Additionally, academic performance negatively influenced
Quran memorization, with a probability of 7.52 > α = 0.05. The
study concluded that students from both Islamic boarding
schools and general schools, as well as academic performance,
do not significantly affect the level of Quran memorization
among Hafidzpreneur students. The study has significant
implications in increasing understanding about the
relationship between graduates from general and Islamic
boarding schools on Quran memorization and academic levels.
The study's results can help educational institutions develop
new programs that combined religious and general education,
particularly for students interested in becoming
Hafidzpreneur.

The population of Ogan Komering Ilir Regency in 2020 was 769,348 people. The poverty rate in 2020 reached 123.34 thousand people, then in 2021 it increased to 124.78 thousand people. The increasing poverty rate is a problem for the performance of zakat managers, while zakat itself is a form of poverty alleviation effort. This research is to determine the impact of zakat management performance in alleviating poverty in Ogan Komering Ilir district and the factors that influence the performance of zakat management in poverty alleviation. Quantitative descriptive analysis method. The total respondents in this study were 100 respondents from zakat management employees in each district, sub-district, sub-district/village of Ogan Komering Ilir district. In this research, a new variable is added in the performance of zakat management, namely the muzakki trust variable. The analysis method in this research uses Partial Least Squares Structural Equation Modeling (PLS-SEM). The results of this research show that zakat management performance factors influence poverty alleviation by 59.2% and the remaining 40.8% is influenced by other variables. Overall, the performance of zakat management has a positive and significant effect on poverty alleviation.

This research aims to analyze the effect level of halal tourism literacy and tourist behavior towards interest in visiting halal tourism with a focus on halal tourism in Riau Province. This research uses the PLS-SEM (Partial Least Square Structural Equation Modeling) method to illustrate the results of regression analysis related to testing the relationship between independent and dependent variables. The results of this research reveal that the variables of halal tourism literacy and tourist behavior have a significant effect on interest in visiting halal tourism, which means that the better the public's literacy towards halal tourism, the better the public's attitude towards halal tourism. Vice versa, the better the public's attitude towards halal tourism, the higher the interest in visiting halal tourism. Therefore, it is important to cultivate a positive image of halal tourism to ensure halal tourism in Indonesia, especially in Riau Province.

Islamic banks need to develop strategies to increase customer loyalty. It prevents customers from switching to other banks and ensures business survival. This is especially true for Islamic regional banks with relatively homogeneous customer bases. This study investigates the impact of perceived service quality and Islamic financial literacy on customer loyalty in NTB Syariah Bank, which is recognized for its excellence in regional banking. Through purposive sampling, data is gathered via questionnaires from 85 respondents after filtering through 112 respondents and analysed using Structural Equation Modelling (SEM). Key findings reveal that service quality significantly influences customer loyalty, with empathy and tangibility emerging as crucial factors. Empathy is crucial in fostering positive customer experiences and building long-term relationships. A high level of tangibility can enhance customer confidence and satisfaction. Additionally, the study underscores the positive correlation between service quality, Islamic financial literacy, and customer loyalty. Practical implications highlight the importance of enhancing financial literacy and fostering trust in Islamic banking through regulatory support and educational initiatives. This research fills a gap in understanding regional bank practices and offers insights for tailored financial literacy programs in rural communities.
 

This study aims to identify how Transparency and Service Quality influence Muzakki's decisions to pay Zakat at Baznas Kabupaten Kepulauan Meranti. Data in this study is processed using quantitative analysis through the partial least square (PLS) approach in the Structural Equation Model (SEM), utilizing the statistical software SmartPLS 3.0. The data collection instrument was a Likert scale questionnaire. The research sample was taken using non probability sampling method, with purposive sampling technique, resulting in 150 respondents from Muzakki in Kabupaten Kepulauan Meranti.The results of this study indicate that the transparency towards Muzakki's decision to pay zakat on the path coefficients with the original sample value of 0.129 means it has a positive effect with the t-statistic value obtained of 1.278 with a p-values value of 0.202 which is greater than 0.05, thus having a non-significant effect. The service quality variable has a positive and significant effect on Muzakki's decision to pay Zakat at Baznas Kabupaten Kepulauan Meranti. The transparency and service quality variables together have a simultaneous influence on Muzakki's decision to pay Zakat by 47%, while the remaining 53% is explained by other external variables not investigated in this study.

This study aims to compare consumption theories according to the perspectives of Monzer Kahf, Abdul Manan, and Yusuf Al-Qardhawi. It employs a formal literature review method to compare the consumption theories of these three figures, utilizing qualitative analysis of relevant literature and texts such as books, articles, and journals authored by the three thinkers. The research findings indicate that Monzer Kahf, Abdul Manan, and Yusuf al-Qardhawi have different approaches to understanding consumption in the context of Islamic economics. Monzer Kahf emphasizes the importance of consuming goods without extravagance or wastefulness and paying attention to the benefits of those goods. Abdul Manan underscores the significance of creating fair income and wealth distribution. Meanwhile, Yusuf al-Qardhawi emphasizes the importance of consuming by considering necessary needs, including spending wealth for goodness, avoiding miserliness, combating wasteful actions, and adopting a modest attitude in spending wealth. Thus, the three consumption theories according to the perspectives of Monzer Kahf, Abdul Manan, and Yusuf Al-Qardhawi share similarities in emphasizing the importance of moderate consumption, avoiding miserliness, and meeting the basic needs of individuals and society.

Global bond market attention is starting to witness very interesting developments in the development of Sukuk. However, the academic literature on the determinants of the development of the Sukuk market is still new and very limited. Using the Vector Autoregression (VAR)/Vector Error Correction Model (VECM) method, this study examines how the financial risk component influences the development of the Indonesian sovereign Sukuk market. Data was collected from Bank Indonesia and Indonesia’s Directorate General of Financing and Risk Management on the External Debt Statistics database for ten years from 2013Q1-2023Q1. The results of this study indicate that the foreign Debt Service Ratio (DSR) and Exchange Rate (EXC) significantly affect the development of the sovereign Sukuk Market. The foreign DSR has a negative effect, while the EXC positively affects the development of the sovereign Sukuk market. Meanwhile, the ratio of foreign debt to Gross Domestic Product (GDP) has an insignificant effect on the development of the sovereign Sukuk Market. The findings advocate policymakers in Indonesia on the importance of strengthening financial stability and regulating the issuance of Sukuk in accordance with the associated financial risks to develop the Sukuk market properly.

Purpose: The objective aim this study is to investigate the factors influencing young Muslims' inclinations in West Java to purchase Korean food through visits to Halal-certified Korean restaurants, Employing the Knowledge-Based Theory of Planned Behavior (TPB) framework as the main variables under investigation.

Design/Method/Approach: The research methodology utilizes purposive sampling, targeting individuals aged between 16 and 30 years old. Data analysis employs the Structural Equation Modeling with Partial Least Squares (PLS-SEM) method.

Findings: Consumer knowledge exerts a positive and notable influence on attitudes, similar to the effects observed with attitudes and subjective norms, which positively and significantly influence the interest of Muslim youth in Halal-certified Korean restaurants. However, perceived behavioral control variables could not be identified as factors significantly influencing the purchase interest of Muslim youth in MUI-certified Halal Korean restaurants.Originality/Values: This article presents several updates, including geographical scope limitations, explanations of the variables used, and novelties in the research period. It is anticipated that the research's findings will significantly enhance marketing tactics and the administration of Halal-certified Korean restaurants in the culinary industry. Additionally, it is hoped that it will also assist business players in this sector in understanding the factors driving the purchase interest of Muslim youth to increase visits to Halal-certified Korean restaurants.