https://jurnal.iain-padangsidimpuan.ac.id/index.php/attijaroh/issue/feedAt-tijaroh: Jurnal Ilmu Manajemen dan Bisnis Islam2023-12-20T14:50:33+00:00Rodame Monitorir Napitupulujurnalattijaroh@iain-padangsidimpuan.ac.idOpen Journal Systems<div class="hidden-posta"> </div>https://jurnal.iain-padangsidimpuan.ac.id/index.php/attijaroh/article/view/8533Determinants Of Intention To Use Islamic Mobile Banking On Millennial Generation: Evidence From Indonesia2023-12-20T14:49:42+00:00Darwis Harahapdarwisharahap@uinsyahada.ac.idThis review means to test and dissect the determinants of goals of utilizing Islamic mobile banking. The Unified Theory of Acceptance and Use of Technology 2 (UTAUT2) was used to conduct the study. This theory uses performance expectations, effort expectations, social influences, facilitating conditions, price values, hedonic motivation, and habits as predictors of intentions to use Islamic mobile banking. The Islamic way of life is the new coding construct that this study adds to the UTAUT2 model. 155 respondents from Indonesia's millennial generation served as the sample for this study. With the Structural Equation Model (SEM) as the analysis model and Warp PLS version 7.0 as the software, this study employed a quantitative approach. This study shows that the intention to use Islamic mobile banking is positively and significantly influenced by hedonistic motivation, price value, and habits. In the meantime, intention to use Islamic mobile banking is positively and insignificantly affected by performance expectations of effort, social influences, and conditions. The decision to use Islamic mobile banking as part of an Islamic lifestyle is then influenced by the variables of social impact and insignificant habits. In the context of the intention to use the behavior of using Islamic mobile banking, the findings of this study are anticipated to contribute to the prediction of a more in-depth model of consumer behavior from an Islamic perspective.2023-12-06T09:38:47+00:00Copyright (c) 2023 At-tijaroh: Jurnal Ilmu Manajemen dan Bisnis Islamhttps://jurnal.iain-padangsidimpuan.ac.id/index.php/attijaroh/article/view/9930Influential Celebrities In Sustainable Online Shopping: A Theory Of Reasoned Action Insights2023-12-20T14:49:46+00:00Mujahidun Hapisni Panemujahidun@uinsyahada.ac.idRukiah Rukiahrukiahlubis@uinsyahada.ac.idBudi Gautama Siregarbudigautama@uinsyahada.ac.idWanda Khairun Nasirinwanda@uinsyahada.ac.idRandi Friscilla Hidayatrandifriscil@student.unimelb.edu.au<p align="center"><strong>ABSTRACT</strong></p><p>The implementation of lockdown in 2020 as a response to COVID-19 has led to significant behavioral changes, pushing society to adapt to online transactions. This research aims to analyze the influencing factors such as e-trust, e-wom, e-servqual, and celebrity endorsers on online purchase decisions, as well as examine the moderating effect of celebrity endorsers on these decisions. The research methodology used is quantitative with stratified sampling techniques, employing the Structural Equation Model Partial Least Square (SEM-PLS) with WarpPLS 8.0 software. The results of the study indicate that e-trust and e-WOM have a positive and significant impact on online purchase decisions, while e-service quality does not have a significant influence. Another finding is that celebrity endorsers can moderate e-trust, strengthen consumer trust in online transactions, and impact purchase decisions. However, celebrity endorsers are not effective in moderating e-WOM and e-service quality in online purchase decisions. In this context, e-trust, e-WOM, and celebrity endorsers play crucial roles in influencing online purchase decisions, in line with the Theory of Reasoned Action. The practical implications of this research emphasize the importance of building consumer trust in online transactions and managing the use of celebrity endorsers wisely to enhance purchase decisions. E-commerce companies and online platforms need to provide high-quality services to strengthen consumer trust. Moreover, the role of e-WOM should also be considered to influence purchase decisions and improve online service quality according to consumer expectations. The policy recommendations resulting from this research highlight the need for companies to focus on managing consumer trust and utilizing celebrity endorsers wisely to enhance sustainable online shopping.</p><p> </p>2023-12-06T09:38:49+00:00Copyright (c) 2023 At-tijaroh: Jurnal Ilmu Manajemen dan Bisnis Islamhttps://jurnal.iain-padangsidimpuan.ac.id/index.php/attijaroh/article/view/9632The Influence Of Beauty Influencers, Lifestyle, And Halal Label On The Purchase Decision Of Somethinc Cushion Product2023-12-20T14:49:53+00:00Dina Fadillafadilladina02@gmail.comNovi Indriyani Sitepunovi_indriyani_sitepu@usk.ac.idNurma Sarinurmasari@usk.ac.idEka Nurlinaeka.nurlina@usk.ac.idSarah Syukrisarahsyuk12@gmail.com<h1>This study analyzes the effect of Beauty influencers, Lifestyle, and Halal labels on purchasing Cushion Somethinc products. This study uses a quantitative method using a Likert scale. The sample for this study were students of the Faculty of Economics and Business at Syiah Kuala University who used the Cushion Somethinc product. 110 respondents were taken through purposive sampling using the Hair formula. The analytical method used is multiple regression analysis. The results of this study indicate that Beauty Influencer, Lifestyle, and the Halal Label have a positive and significant effect on the decision to buy cushion Somethink products. Beauty influencers are helpful for brands wishing to adopt the marketing strategy for developing local cosmetic products and making lifestyle and halal labels an indicator in purchasing decisions.</h1>2023-12-07T00:00:00+00:00Copyright (c) 2023 At-tijaroh: Jurnal Ilmu Manajemen dan Bisnis Islamhttps://jurnal.iain-padangsidimpuan.ac.id/index.php/attijaroh/article/view/8812The Effectiveness Of Village Microfinance Financing Program By Baznas In Encouraging The Development Of Micro-Entreprises2023-12-20T14:49:59+00:00Jasri Jasrijasri@unismuh.ac.idAndi Syarifah Wahdahandisywahdah02@gmail.comAbdul Malikabdulmalik@unismuh.ac.idThis research aims to identify how the implementation of the village microfinance program by Baznas affects the development of micro-enterprises owned by the beneficiaries in BAZNAS Maros Regency. The research methodology employed in this study involves a qualitative approach with a descriptive nature. Data collection methods include observations, face-to-face interviews, and documentation. The research findings reveal that the execution of the Village Microfinance program by the National Zakat Agency in Maros Regency significantly contributes to micro-entrepreneurs in enhancing their businesses, especially those facing difficulties in accessing capital. The program also assists micro-entrepreneurs in mitigating the decreased income impacts caused by the COVID-19 pandemic. In addition to financial support, beneficiaries entering the micro-business sector also receive market access support from the BAZNAS Village Microfinance program, aiding them in promoting their commercial products more effectively.2023-12-07T00:00:00+00:00Copyright (c) 2023 At-tijaroh: Jurnal Ilmu Manajemen dan Bisnis Islamhttps://jurnal.iain-padangsidimpuan.ac.id/index.php/attijaroh/article/view/8839Shopee Pay Later User Perceptions Of Impulse Buying Behavior2023-12-20T14:50:04+00:00Laila Kalsum Hasibuanlaylaborhaz@gmail.comWinda Anriani Siregarwindaandrianisrg@gmail.comAbdul Aziz Harahapabdulaziz@uinsyahada.ac.id<p>The purpose of this study is to see the influence of perceived convenience, perceived benefits, and perceived risk on impulsive buying behavior among students at the Faculty of Economics and Islamic Business, UIN Syekh Ali Hasan Ahmad Addary Padangsidempuan. This study uses a quantitative approach. The results of this research are that simultaneously, convenience, benefits, and risks have a significant effect on impulsive buying behavior. Partially, convenience has a positive and insignificant effect on impulsive buying behavior. Partially, benefits do not have a significant effect on impulsive buying behavior. Partially, risk has a positive and significant effect on impulsive buying behavior.</p>2023-12-07T00:00:00+00:00Copyright (c) 2023 At-tijaroh: Jurnal Ilmu Manajemen dan Bisnis Islamhttps://jurnal.iain-padangsidimpuan.ac.id/index.php/attijaroh/article/view/8187How To Enhance Firm Value In The Jakarta Islamic Index (Jii) Through Profitability, Csr And Gcg2023-12-20T14:50:10+00:00Nona Soraya Pasaribunonasoraya@uinsyahada.ac.idArbanur Rasyidarbanurrasyid@uinsyahada.ac.idRukiah Rukiahrukiah@uinsyahada.ac.idSanupal Muzamilsanupal.muzamil@umy.ac.idWanda Khairun Nasirinwanda@uinsyahada.ac.idMujahidun Hapisni Panemujahidun@uinsyahada.ac.id<p>The company's profitability will reflect the company's financial performance. Good financial performance can increase the value of the company, which will be reflected in the market price of its shares and increase the prosperity of shareholders (stakeholders). Profitability is also a factor that makes management free and flexible in disclosing corporate social responsibility to shareholders. Thus, the higher the level of company profitability, the greater the disclosure of information. So, this study intends to see how profitability affects firm value and whether corporate social responsibility and good corporate governance effectively moderate profitability's effect on manufacturing companies’ value in the Jakarta Islamic Index (JII). Therefore, this study is important and serves as material for investors and potential investors to consider and reference in selecting companies. Various theories support this study, as the grand theory is the agency theory and the signaling theory. The middle theory of this research is contract theory, and the applied theory is firm value theory. This theory is to measure the company's selling value or growth value for shareholders, the company's value, which will be reflected in the market price of its shares. This research was conducted using a quantitative method, which will be carried out in 2021 at a manufacturing company registered on the Jakarta Islamic Index (JII). The sampling technique used was purposive sampling, with twenty-four companies listed on the Jakarta Islamic Index (JII). Considering that the model in this study is a causality model for several manufacturing companies, to test the hypothesis, cross-sectional data is used with the structural equation modeling (SEM) approach using the partial least squares program (PLS 4.0). The results of the profitability direct effect test do not directly affect firm value; the direct effect test results of CSR moderation do not directly affect firm value; and so do the GCG direct effect test results, which do not affect firm value.</p>2023-12-07T00:00:00+00:00Copyright (c) 2023 At-tijaroh: Jurnal Ilmu Manajemen dan Bisnis Islamhttps://jurnal.iain-padangsidimpuan.ac.id/index.php/attijaroh/article/view/9940Financial Performance Of Sharia Commercial Banks In Indonesia: Does Capital Structure Matter?2023-12-20T14:50:17+00:00Ahmad Syarifsyarif11ahmad@yahoo.comBisma Maulanabismamaulana71@gmail.comZahro Salsabilazahrosalsabila91@gmail.comAngga Maulanaanggamaul@gmail.com<p>Islamic banking has experienced a surge in financial growth in the last decade. Global economic challenges have encouraged many conventional banks to transform into sharia banks. Sharia banking can increase its operational efficiency by applying debt and equity financing methods by trade-off theory. This research investigates the effect of capital structure as measured by the debt-to-asset ratio (DAR) and debt-to-equity ratio (DER) on the financial performance of Sharia Commercial Banks as measured by return on assets (ROA) and return on equity (ROE). This research is quantitative with multiple linear regression analysis techniques. The data source comes from OJK Sharia Banking Statistics for 2017-2021. This study shows that DAR and DER have a significant effect on ROA. Apart from that, DAR has a substantial impact on ROE. However, this study indicates that DER does not significantly affect ROE.</p>2023-12-13T00:00:00+00:00Copyright (c) 2023 At-tijaroh: Jurnal Ilmu Manajemen dan Bisnis Islamhttps://jurnal.iain-padangsidimpuan.ac.id/index.php/attijaroh/article/view/9639A Study On The Positive Impact Of Digital Visibility On Marketing For Micro, Small, And Medium Enterprises2023-12-20T14:50:25+00:00Itsla Yunisva Avivaitsla.yunisva.aviva@iain-palangkaraya.ac.idMawar Ardiansyahmawarardiansyah2212@gmail.comWidya Husna Puspitawidyahusna522@gmai.comMohammed Salim SalimOmari_salim05@yahoo.co.ukThis study examined the positive impact of the visibility of MSMEs in the digital world on marketing. This study used a qualitative method with a descriptive approach. The data used is secondary data. Data analysis was performed using qualitative analysis techniques. The study results show that the visibility of MSMEs has a crucial role in the sustainability of MSMEs. There are several positive impacts from the emergence of MSMEs in the digital world on marketing, such as: increasing Brand Awareness, making it easier for customers to find information, increasing the number of customers which indirectly can also increase sales and customer loyalty. In addition, there are several strategies that can be used to increase the visibility of MSMEs in the digital world related to marketing, namely building websites, using social media, doing SEO (Search Engine Optimization), creating online advertisements, and getting positive reviews. . By utilizing good digital marketing, MSMEs can more easily promote their products and services to a wider audience. In addition, it can attract more potential customers. This also allows MSMEs to more easily compete with larger companies as they can reach the same audience at a lower cost.2023-12-13T00:00:00+00:00Copyright (c) 2023 At-tijaroh: Jurnal Ilmu Manajemen dan Bisnis Islamhttps://jurnal.iain-padangsidimpuan.ac.id/index.php/attijaroh/article/view/8636Determining Factors Of Sharia Stock Returns With Bi Rate As A Moderating Variable2023-12-20T14:50:30+00:00Laila Nida Nurjanahnidaadin3@gmail.comNur Khabibnurkhabib@gmail.com<p>Research regarding the factors influencing Shariah stock returns is essential due to the existing disparities where Shariah stock returns continue to exhibit fluctuations amidst the annual increase in the number of issuers and stock investors. The objective of this study is to ascertain the influence of Earnings per Share (EPS), Return on Equity (ROE), and Price to Book Value (PBV) on Shariah stock returns, moderated by the BI rate. The population for this research encompasses all companies listed on the JII for the period 2017-2022. The sampling technique employed is purposive sampling, resulting in a total sample size of 18 companies, yielding 108 observations over a span of 6 years. The data analysis technique utilized is Moderated Regression Analysis (MRA), conducted using Eviews 12 software. The findings of this study reveal that EPS and PBV exhibit a negative and significant impact on Shariah stock returns, while ROE demonstrates a positive and significant influence. The BI rate weakens the influence of ROE on Shariah stock returns, whereas it reinforces the effect of PBV on Shariah stock returns. However, the BI rate does not possess the capability to moderate the impact of EPS. It's important to note that this research is confined solely to companies listed on the JII, consequently suggesting the need for future studies to broaden the population, extend the research period, and incorporate additional variables that may potentially impact Shariah stock returns.</p><p align="center"> </p>2023-12-13T00:00:00+00:00Copyright (c) 2023 At-tijaroh: Jurnal Ilmu Manajemen dan Bisnis Islamhttps://jurnal.iain-padangsidimpuan.ac.id/index.php/attijaroh/article/view/10024Development Of Conventional Savings And Loan Business Activities Into Sharia Savings And Loan Business Activities2023-12-20T14:50:33+00:00Mohamad Sofan Sovasofansova@gmail.comAchmad Firdausachmad.firdaus@tazkia.ac.idRahmat Mulyanarahmatmulyana@tazkia.ac.id<h1>Seeing the potential of the Muslim majority in this country and the euphoria of desire from the leader in the region to apply the Sharia economic principle. However, it is not by the quantity of the successful conversion of the conventional Savings and Loans Business Cooperatives into Sharia Saving and Financing Cooperatives. This research aims to identify problems, formulate solutions, and design strategies for converting conventional Savings and Loans Business Cooperatives into Sharia Saving and Financing Cooperatives. This research uses the Analytic Network Process (ANP) method by collecting opinions from various experts, such as practitioners, regulators, and experts in converting conventional Savings and loan cooperatives into Sharia Savings and loan cooperatives. This research discovers that there were similar opinions on the problems, that internal aspects caused the low conversion rate. Stakeholder interests and human resource needs are the dominant internal problems influencing the most. To solve this problem by processing data from all the respondents based on average results, the priority is the aspect of education and communication. The second priority is the aspect of gradual conversion. The proposed solution will be more effective using a market-driven strategy and rational persuasion. The implication is that the government and other stakeholders can promote the education and communication sector, where education in the form of internships and DPS or Sharia Economics training will have a significant impact.</h1>2023-12-20T00:00:00+00:00Copyright (c) 2023 At-tijaroh: Jurnal Ilmu Manajemen dan Bisnis Islam