Mabny: Journal of Sharia Management and Business

Emotional and Rational in the Decision to Use Payment Services of Islamic Financial Institutions for DIKTIS Students in Pamekasan Regency: The Mediating Effect of Regulation

2025-10-23T15:33:42+07:00

There are many Islamic universities in Pamekasan regency, and their students can become ambassadors of sharia banking in society. At the same time, they also become a target market. However, not all students use sharia banking products. They use it because of the regulations from their campus. The aim of this research is to analyze whether Emotional and Rational influence students to make decisions on using Sharia Financial Institution Payment Services which are moderated by regulations at each university in Pamekasan Regency. This research uses respondents coming from active students at seven universities Directorate General of Islamic Higher Education (DIKTIS) in Pamekasan Regency. The data analysis used is multiple linear regression with moderator variables. Emotional Factors and Rational Factors as independent variables, Usage Decisions as dependent variables and Regulation as moderator variables. The results of this research are that emotional factors and rational factors affect the decisions of Pamekasan Regency DIKTIS students in using Sharia Financial Institution Payment Services. And Regulation as a moderator variable significantly strengthens the relationship between Rational Factors and Usage Decisions. Meanwhile, Emotional Factors cannot be strengthened in their relationship to Regulatory Use Decisions.

Digital Banking Research Trends: A Bibliometric Analysis of Banking Technology Developments

2025-10-23T15:46:25+07:00

This research aims to analyze the trend of digital banking research on the development of banking technology through a bibliometric approach. The method used in this study uses a mixed-method, which is a combination of quantitative methods in the form of a bibliometric analysis approach and qualitative methods in the form of a literature review study. The data in this study were obtained from secondary data. Data analysis tools use Mendeley Desktop and VOSviewer software. The analysis was conducted on abstracts and research keywords related to the development of digital banking-based banking technology. The results of the study show that; 1) based on the mapping of journal publications, there are 76 articles on the development of digital banking technology; 2) the results of network visualization around the development of digital banking technology are divided into 6 clusters and 25 topic items; 3) there are four problems that are challenges in the development of banking technology, 1) cybersecurity, 2) digital financial literacy, 3) infrastructure gaps, and 4) regulation and compliance.

The Impact of Sound System Event Implementation and Visit Intensity on the Income of Micro, Small, and Medium Enterprises (MSMEs)

2025-10-31T05:59:03+07:00

This study aims to analyze the influence of sound system event attendance and visit intensity on the increase in income of Micro, Small, and Medium Enterprises (MSMEs) in Padomasan Village. This research employs a quantitative approach using a survey method, with data analysis conducted through the Structural Equation Modeling–Partial Least Squares (SEM-PLS) technique using SmartPLS software. Data were collected through questionnaires distributed to several MSME respondents in Padomasan Village. The results of this study indicate that both the presence of sound system events and the intensity of visits have a positive and significant influence on the increase in MSME income in Padomasan Village. Sound system events can serve as a major attraction for visitors, increasing the number of buyers and thereby having a positive impact on MSME income. In addition, a high level of visit intensity also contributes to the growth of MSME product sales. The presence of sound system events and the frequency of visits are important factors that need to be considered in efforts to increase the income of MSMEs in Padomasan Village.

Analyzing What Drives Consumers to Buy: An SEM–PLS Study at Onde-Onde Bo Liem Empunala Mojokerto

2025-10-24T00:48:24+07:00

This study is based on the efforts that need to be made by a business in maintaining its existence amidst business competition with similar products and services offered to the market. This condition requires business actors to identify and understand current market needs. Therefore, an entrepreneur needs to study consumer behavior patterns. Based on this, efforts are needed to organize strategies so that the business owned can develop, one of which is by analyzing factors that can contribute to consumer purchasing decisions for goods or services. This study applies quantitative methods and associative research types with a sampling technique, namely quota sampling where the number of samples is 100 respondents. The data analysis technique used is Structural Equation Modeling - Partial Least Square. Referring to the results of the analysis carried out, it shows that in the Onde-onde Bo Empunala business, the factors that contribute significantly to the purchasing decision process are the quality of the products owned and brand image, while the service and location factors do not contribute significantly.

The Existence Of Unit Link Products : Empirical And Juridical Review

2025-10-25T07:47:58+07:00

The purpose of this study is to obtain strategic steps for business actors in limiting the sale of unit-linked products based on the latest regulations through the factor analysis method. The methodology used is descriptive analysis with a qualitative approach. The literacy sources used come from primary data, namely literature reviews, mass media and applicable laws and regulations as well as secondary data on the Statement Of Financial Position from the Financial Services Authority to be further studied in measuring the parameters of the analysis of policy recommendations needed next. The results of the study show that the high level of risk in marketing unit-linked products with the PAYDI system is still limited by the placement of investment funds that are medium risk, insurance sector business actors can provide recommendations on the placement of funds made by customers based on the quality of the investment manager's portfolio and investment categories that are not based on high risk. Fixed unit link products provide an appropriate margin for business actors through periodic top up administration fees. The element of protection from cash value remains the basis of the priority of this unit link marketing.

The Influence of Knowledge, Fieldwork Practice and Motivation on Students' Intention in Working at Sharia Banks

2025-10-25T08:04:08+07:00

This study aims to analyze the influence of knowledge, fieldwork experience, and motivation on the interest of Islamic banking students at FEBI IAIN Langsa to pursue a career in Islamic banks. The sample used in this study amounted to 100 students. Data analysis was carried out by multiple linear regression. The findings of this study show that simultaneously, knowledge, fieldwork experience, and motivation have a positive and significant influence on students' interest in working in Islamic banks. Partially, knowledge and motivation showed a significant influence on interest in working in Islamic banks, while field work experience did not show a significant influence on the variables of interest.

The Influence of Profitability, Liquidity and Sales Volume on Financial Distress in Retail Companies Listed on the IDX

2025-11-19T05:02:37+07:00

This study aims to analyze the influence of profitability, liquidity, and sales volume on financial distress in retail companies listed on the Indonesia Stock Exchange (IDX). The primary focus of this study is to identify the financial variables that play the most significant role in determining a company's vulnerability to financial distress, particularly amidst changing consumer behavior, which now favors online transaction. This study uses a quantitative approach with multiple linear regression analysis. Secondary data were obtained from the annual financial reports of retail companies listed on the Indonesia Stock Exchange. Data testing included classical assumption tests (normality, autocorrelation, heteroscedasticity, and multicollinearity) as well as partial tests (t-test) and simultaneous tests (F-test). The regression model was declared feasible because it met all classical assumptions. The results of the study indicate that profitability has a negative and significant effect on financial distress. Conversely, liquidity and sales volume do not significantly influence financial distress. However, simultaneously, profitability, liquidity, and sales volume do not significantly influence financial distress. Practically, the results of this study emphasize the importance of profitability as a key indicator in assessing bankruptcy risk in the retail sector. Management needs to focus strategies on improving asset efficiency and controlling costs to strengthen financial performance. For investors and creditors, profitability ratios can serve as a primary benchmark in assessing the financial health of retail companies. Meanwhile, the insignificant results for liquidity and sales volume variables suggest that classic financial ratios need to be combined with operational and non-financial indicators such as digital innovation and supply chain management to comprehensively understand distress risk. The lack of involvement of sales volume variables in previous studies is one of the limitations that needs to be improved in research related to financial distress.