Jurnal Ekonomi Manajemen

THE INFLUENCE OF SOCIAL MEDIA MARKETING, BRAND IMAGE, AND BRAND TRUST ON GENERATION Z’S PURCHASE INTENTION OF “K-POP MERCH,” WITH E-WOM AS A MODERATOR OF SOCIAL MEDIA MARKETING

2026-03-11T09:20:16+00:00

The rapid advancement of digital technology has significantly transformed communication, with social media playing a central role in the fast and borderless exchange of information. Twitter (now X), Tik Tok, Instagram, Tik-Tok are one of the most frequently used platforms by Generation Z, serving not only for entertainment but also as a source of information and influence in purchasing decisions, particularly in the context of K-Pop merchandise. This study examines the effect of digital marketing and brand Image, Brand Trust on purchase Intention among Kpop Merch buyer. The research used a quantitative approach with 407 respondents collected through an online survey. Data were analyzed using Partial Least Squares Structural Equation Modeling (PLS-SEM). Drawing on previous studies by Erkan & Evans (2016) and Wang et al. (2018), the research adopts a quantitative approach to analyze consumer perceptions and behavioral intentions. The findings are expected to provide insights into how digital interactions and peer influence affect consumer decisions and offer strategic input for brands leveraging eWOM in the K-Pop industry. The results indicate that Social media marketing, Brand Image, Brand Trust in Purchase Intention, E-WOM has a positive effect on purchase Intention, while Customer Engagement cannot modarate relation Brand Trust with Purchase Intention. These findings provide insights for Kpop Merch companies in designing effective Social Media marketing strategies.

ANALISIS KEBIJAKAN RESTRUKTURISASI DAN IMPLEMENTASI DIGITALISASI LAYANAN TERHADAP PENYELESAIAN PEMBIAYAAN BERMASALAH (Studi PT. Bank Perekonomian Rakyat Syariah Mentari Pasaman Saiyo, Kabupaten Pasaman Barat)

2026-03-28T03:08:43+00:00

Penelitian ini dilatarbelakangi pada kenyataan bahwa setiap penyaluran pembiayaan di bank syariah memiliki resiko gagal bayar oleh nasabah yang dapat mempengaruhi tingkat kesehatan dan keberlanjutan operasional bank. Untuk mengatasi hal ini diperlukan strategi penyelesaian yang efektif. Penelititan ini bertujuan untuk menganalisis faktor penyebab pembiayaaan bermasalah, implementasi kebijakan restrukturisasi pembiayaan pada PT. BPRS Mentari Pasaman Saiyo, peran digitalisasi layanan, serta hambatan yang dihadapi dalam penyelesaian pembiayaan bermasalah. Penelitian ini menggunakan pendekatan kualitatif deskriptif. Pengumpulan data dilakukan melalui kegiatan observasi, wawancara, serta studi dokumentasi. Analisis data dilaksanakan melalui tahapan reduksi data, penyajian data, dan penarikan kesimpulan. Hasil penelitian mengungkapkan bahwa terjadinya pembiayaan bermasalah di PT. BPRS Mentari Pasaman Saiyo dipengaruhi oleh faktor internal dan eksternal yang berasal dari nasabah, serta faktor internal yang bersumber dari pihak bank. Penyelesaian pembiayaan bermasalah melalui restrukturisasi dengan bentuk rescheduling dinilai cukup efektif dalam membantu nasabah memenuhi kewajibannya. Selain itu digitalisasi layanan melalui Sistem Layanan Informasi Keuangan (SLIK) membantu bank dalam menilai riwayat dan karakter pembiayaan nasabah. Hambatan yang dihadapi dalam penyelesaian pembiayaan bermasalah dengan restrukturisasi dan digitalisasi meliputi ketidakkonsistenan nasabah dan keterbatasan sumber daya manusia dalam penguasaan teknologi serta keterbatasan dalama monitoring pasca restrukturisasi.

This study is motivated by the fact that every financing disbursement in Islamic banks carries the risk of customer default, which can affect the bank’s soundness level and operational sustainability. Therefore, effective resolution strategies are required to address this issue. This research aims to analyze the factors causing problematic financing, the implementation of financing restructuring policies at PT. BPRS Mentari Pasaman Saiyo, the role of service digitalization, and the obstacles encountered in resolving problematic financing. This study employs a descriptive qualitative approach. Data were collected through observation, interviews, and documentation. Data analysis was carried out through the stages of data reduction, data presentation, and conclusion drawing. The results reveal that problematic financing at PT. BPRS Mentari Pasaman Saiyo is influenced by internal and external factors originating from customers, as well as internal factors within the bank. The resolution of problematic financing through restructuring in the form of rescheduling is considered sufficiently effective in assisting customers in fulfilling their obligations. In addition, service digitalization through the Financial Information Service System (SLIK) helps the bank assess customers’ financing history and creditworthiness. The obstacles faced in resolving problematic financing through restructuring and digitalization include customer inconsistency, limited human resources in terms of technological competence, and constraints in post-restructuring monitoring.

ANALISIS STRATEGI MENGATASI PEMBIAYAAN BERMASALAH DENGAN PERSEPEKTIF MAQASHID SYARIAH

2026-03-26T04:22:19+00:00

This study is motivated by the fact that non-performing loans pose a significant challenge for Islamic microfinance institutions, as they threaten operational sustainability and capital stability. This study aims to analyze strategies in problematic financing at the Tujuh Sarumpun Ampek Angkek Sharia Activity Management Unit (UPK) from the perspective of maqashid sharia so that the steps taken by the Tujuh Sarumpun Ampek Angkek Sharia Activity Management Unit (UPK) are in accordance with the perspective of maqashid sharia. This study uses a qualitative approach with descriptive techniques. Data collection was conducted through observation, in-depth interviews with the head of the Syariah Tujuh Sarumpun Ampek Angkek UPK, the treasurer, the secretary, a review of the financial documents of the Syariah Tujuh Sarumpun Ampek Angkek UPK, and customers of the Syariah Tujuh Sarumpun Ampek Angkek UPK. Data analysis techniques were carried out through data reduction, data presentation, and conclusion drawing. The results of the study show that the steps taken to manage non-performing loans include a persuasive approach to members, loan restructuring, rescheduling of installments, and providing business assistance to members facing challenges. These techniques are in line with the principles of maqashid syariah, particularly in preserving wealth (hifz al-mal), protecting life (hifz al-nafs), and promoting the interests of members. The implementation of family and justice strategies in dealing with financial problems also increases the sustainability of the institution and the trust of its members. Therefore, strategies for dealing with problematic financing based on maqashid syariah can be an effective solution to maintain the stability and sustainability of UPK Syariah Tujuh Sarumpun Ampek Angkek..

Penelitian ini dilatarbelakangi oleh Pembiayaan bermasalah merupakan tantangan signifikan bagi lembaga mikrofinansial syariah, karena mengancam keberlanjutan operasional dan stabilitas modal. Penelitian ini bertujuan untuk menganalisis strategi dalam pembiayaan bermasalah pada upk syariah tujuh sarumpun ampek angkek dengan persepektif maqashid syariah agar langkah-langkah yang diambil oleh Unit Pengelolaan Kegiatan (UPK) Syariah Tujuh Sarumpun Ampek Angkek sesuai perspektif maqashid syariah. Penelitian ini mengunakan pendekatan kualitatif, dengan teknik deskriptif. Pengumpulan data dilakukan melalui observasi, wawancara mendalam dengan ketua UPK Syariah Tujuh Sarumpun Ampek Angkek,Bendahara , Sekretaris, tinjauan dokumen keuangan UPK Syariah Tujuh Sarumpun Ampek Angkek, serta nasabah dari UPK Syariah Tujuh Sarumpun Ampek Angkek. Teknik analisis data yang dilakukan melalui reduksi data, penyajian data,dan penarikan kesimpulan. Hasil penelitian menunjukkan bahwa langkah-langkah yang diterapkan untuk mengelola pembiayaan bermasalah meliputi pendekatan persuasif terhadap anggota, restrukturisasi pembiayaan, penjadwalan ulang angsuran, dan pemberian bantuan usaha kepada anggota yang menghadapi tantangan. Teknik-teknik ini sejalan dengan prinsip-prinsip maqashid syariah, khususnya dalam menjaga kekayaan (hifz al-mal), melindungi kehidupan (hifz al-nafs), dan mempromosikan kepentingan anggota. Implementasi strategi keluarga dan keadilan dalam menangani masalah keuangan juga meningkatkan kelangsungan lembaga dan kepercayaan anggotanya. Oleh karena itu, strategi untuk menangani pembiayaan bermasalah yang didasarkan pada maqashid syariah dapat menjadi solusi efektif untuk menjaga stabilitas dan keberlanjutan UPK Syariah Tujuh Sarumpun Ampek Angkek.

ANALISIS PANDANGAN ISLAM PADA CRYPTOCURRENCY DAN PROSPEK BLOCKCHAIN DALAM INOVASI PRODUK PERBANKAN SYARIAH

2026-03-27T06:25:36+00:00

The use of cryptocurrency in Indonesia in 2025 will experience a significant increase, reaching 23.3 million. In terms of prospects, blockchain technology has good potential for innovation in Islamic banking products. However, in terms of legal aspects, Islamic scholars and legal experts still have differing opinions. This thesis attempts to explain the opinions of scholars regarding the legality of using cryptocurrency and its prospects for the innovation of Islamic banking products. This research is a library research with a descriptive qualitative approach. Data was collected from relevant literature sources. The types of data used were primary data obtained from the Quran, books, journals, fatwas, and related articles, as well as secondary data obtained from written documents and scientific publications. The data was analyzed using deductive, inductive, and comparative methods. The results of this study show that, in the view of the MUI, the use of cryptocurrency as a transaction tool is haram because it violates the principles of muamalah fiqh (gharar, maysir, riba) and Indonesian currency regulations. Meanwhile, the fatwa center of South Africa, Darul Uloom Zakariyya, has responded that bitcoin meets the requirements of mal, which means it can be traded. However, they also emphasized that in order to qualify as a medium of exchange, it must be approved by the government in each country. Blockchain technology has great prospects for innovation in Islamic banking products, such as increasing transparency, efficiency, and presenting sharia through smart contracts in mudharabah, sukuk, and integration with CBDC for cross-border payments. Blockchain technology can be an innovative solution for Islamic banking to compete in the digital era, as long as it is in line with Islamic principles such as mashlahah and istihsan. The recommendation for the government is to establish comprehensive regulations for cryptocurrency and accelerate the implementation of CBDC; for the public, to invest cautiously; and for future researchers, to conduct field research to measure the readiness of Islamic banking practitioners.

Penggunaan cryptocurrency di Indonesia pada tahun 2025 mengalami peningkatan yang cukup tinggi, hingga mencapai 23,3 juta. Dari segi prospeknya, teknologi blockchain memiliki potensi yang baik untuk inovasi produk perbankan syariah. Namun demikian, dari segi aspek hukumnya ulama dan ahli hukum Islam masih berbeda pendapat. Skripsi ini mencoba menjelaskan tentang bagaimana pendapat ulama tentang hukum menggunakan cryptocurrency ini dan bagaimana prospeknya bagi inovasi pengembangan produk perbankan syariah. Penelitian ini merupakan penelitian kepustakaan (library research), dengan pendekatan kualitatif deskriptif. Data dikumpulkan dari sumber-sumber kepustakaan yang relevan. Jenis data yang digunakan adalah data primer yang diperoleh dari Al-quran, buku-buku, jurnal, fatwa dan artikel terkait dan juga data sekunder yang diperoleh dari dokumen tertulis maupun publikasi ilmiah. Data dianalisis dengan metode deduktif, induktif, dan komperatif. Hasil penelitian ini menunjukan bahwa dalam pandangan MUI penggunaan cryptocurrency sebagai alat transaksi hukumnya haram karena melanggar prinsip fikih muamalah (gharar, maysir, riba) dan regulasi mata uang indonesia. Sedangkan pusat fatwa dari Afrika Selatan, yaitu Darul Uloom Zakariyya, telah memberikan tanggapan bahwa bitcoin telah memenuhi syarat mal, yang karena itu boleh diperjual belikan. Namun, mereka juga menekankan bahwa untuk dapat memenuhi syarat sebagai alat pertukaran, itu harus disetujui oleh pemerintah di negara masing-masing. eknologi blockchain memiliki prospek besar untuk inovasi produk perbankan syariah seperti meningkatkan transparansi, efisiensi, dan menyajikan syariah melalui kontrak pintar pada akad mudharabah, sukuk, dan integrasi dengan CBDC untuk pembayaran lintas batas. Teknologi blockchain dapat menjadi solusi inovatif bagi perbankan syariah untuk bersaing di era digital, asalkan sejalan dengan prinsip syariah seperti mashlahah dan istihsan. Saran bagi pemerintah adalah menetapkan regulasi komprehensif untuk cryptocurrency dan mempercepat penerapan CBDC; bagi masyarakat, berinvestasi dengan hati-hati; dan bagi peneliti selanjutnya, melakukan penelitian lapangan untuk mengukur kesiapan praktisi perbankan syariah.