https://sunanbonang.org/index.php/miftah <p><strong>Miftah : Jurnal Ekonomi dan Bisnis Islam</strong> is a peer-reviewed research journal that accepts manuscripts in the fields of Management Science, Economics, Islamic Macroeconomics, Macroeconomics, Sharia Economics, Sharia Finance and Operational and Production Management<br /><strong>Miftah : Jurnal Ekonomi dan Bisnis Islam</strong> is published twice a year, namely in April and October</p> Yayasan Pondok Pesantren Sunan Bonang Tuban en-US Miftah : Jurnal Ekonomi dan Bisnis Islam 2986-982X <p><strong>You are free to: </strong></p> <ol> <li><strong>Share </strong>— copy and redistribute the material in any medium or format for any purpose, even commercially.</li> <li><strong>Adapt </strong>— remix, transform, and build upon the material for any purpose, even commercially.</li> <li>The licensor cannot revoke these freedoms as long as you follow the license terms.</li> </ol> <p><strong>Under the following terms: </strong></p> <ol> <li><strong>Attribution </strong>— You must give <a href="https://creativecommons.org/licenses/by/4.0/#ref-appropriate-credit">appropriate credit </a>, provide a link to the license, and <a href="https://creativecommons.org/licenses/by/4.0/#ref-indicate-changes">indicate if changes were made </a>. You may do so in any reasonable manner, but not in any way that suggests the licensor endorses you or your use.</li> <li><strong>No additional restrictions </strong>— You may not apply legal terms or <a href="https://creativecommons.org/licenses/by/4.0/#ref-technological-measures">technological measures </a>that legally restrict others from doing anything the license permits.</li> </ol> <p><strong>Notices: </strong></p> <p>You do not have to comply with the license for elements of the material in the public domain or where your use is permitted by an applicable <a href="https://creativecommons.org/licenses/by/4.0/#ref-exception-or-limitation">exception or limitation </a>.</p> <p>No warranties are given. The license may not give you all of the permissions necessary for your intended use. For example, other rights such as <a href="https://creativecommons.org/licenses/by/4.0/#ref-publicity-privacy-or-moral-rights">publicity, privacy, or moral rights </a>may limit how you use the material.</p> https://sunanbonang.org/index.php/miftah/article/view/375 <p>This study aims to determine the effect of foreign direct investment, zakat distribution and government spending on economic growth in Indonesia in 2019-2024 with the Human Development Index as a moderating variable. This type of research is quantitative with a population of all provinces in Indonesia. Determination of the Saturated Sampling sample with criteria determined by the researcher so that a sample of 33 provinces was obtained during the observation period (2019-2024). The type of data used is panel data. Using the analysis method used includes descriptive test, stationary test, multiple liner regression test, T test, F test, R2 test, classical assumption test and MRA test. In the Moderated Regression Analysis (MRA) test using Eviews 13 data processing software, the results showed that the government expenditure variable had no effect on economic growth. Based on the MRA test, HDI is able to moderate government spending on economic growth and HDI is not able to moderate the distribution of Zakat on economic growth.</p> Nurul Kholifah Aminatul Itsnaini Anton Bawono Copyright (c) 2025 Nurul Kholifah Aminatul Itsnaini, Anton Bawono https://creativecommons.org/licenses/by/4.0 2025-10-30 2025-10-30 3 2 67 78 10.61231/miftah.v3i2.375 https://sunanbonang.org/index.php/miftah/article/view/387 <p><em>This study aims to analyze the effect of service quality and promotion on customer satisfaction at Laundry KW Ciputat. This type of research is quantitative with an explanatory approach. The population in this study were 1,877 Laundry KW Ciputat customers in 2023, with a sample size of 95 respondents determined using the Slovin formula. Data analysis used was simple linear regression analysis and multiple regression analysis using SPSS version 27. The results of this study indicate that, based on the results of the simple linear regression test, service quality has a positive and significant effect on strong customer satisfaction</em>. </p> Masroni Masroni Copyright (c) 2025 Masroni Masroni https://creativecommons.org/licenses/by/4.0 2025-10-30 2025-10-30 3 2 79 86 10.61231/miftah.v3i2.387 https://sunanbonang.org/index.php/miftah/article/view/399 <p>This study examines the influence of financial literacy, financial behavior, and risk tolerance on students’ investment decisions when using the Ajaib application. A quantitative research design was employed with a sample of 343 students who actively invest through the platform. Data were collected using a structured questionnaire and analyzed using Multiple Regression Analysis with IBM SPSS. The empirical results indicate that financial literacy and financial behavior both have a positive and significant influence on investment decisions. In contrast, risk tolerance shows a negative and significant effect, suggesting that students with lower tolerance for risk tend to adopt more cautious investment strategies. Furthermore, the three variables collectively demonstrate a significant simultaneous effect on investment decision-making. These findings highlight the importance of strengthening financial knowledge and responsible financial practices to enhance rational investment behavior, particularly among novice student investors using digital investment platforms</p> Sulasih Sulasih Wiwin Anjani Copyright (c) 2025 Sulasih Sulasih, Wiwin Anjani https://creativecommons.org/licenses/by/4.0 2025-10-30 2025-10-30 3 2 87 98 10.61231/miftah.v3i2.399