Miftah : Jurnal Ekonomi dan Bisnis Islam

The Effect of Foreign Direct Investment (FDI), Zakat Distribution and Government Spending on Economic Growth with Human Development Index as Moderating Variable

Nurul Kholifah Aminatul Itsnaini — 2025-10-30

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.

Pengaruh Kualitas Pelayanan dan Promosi Terhadap Kepuasan Pelanggan Pada Jasa Laundry KW Ciputatiputat

Masroni Masroni — 2025-10-30

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.

Pengaruh Literasi Keuangan, Perilaku Keuangan dan Toleransi Risiko Terhadap Keputusan Berinvestasi Mahasiswa Melalui Aplikasi Ajaib

Sulasih Sulasih — 2025-10-30

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

Akad Bisnis dalam Platform Digital E-Commerce: Perspektif Kitab Fathul Qorib

Miftachul Ulum — 2025-11-14

This study aims to analyze the suitability of e-commerce contract practices with the principles of classical Islamic jurisprudence as explained in the Fathul Qorib book. This study uses a qualitative-descriptive approach with a literature analysis method of classical Islamic jurisprudence sources and modern digital business practices. The results of the study indicate that conceptually, e-commerce contracts fulfill the main elements of Islamic contracts such as ijab and qabul, clarity of the transaction object (ma'qud 'alaih), and the element of willingness (taradhi) between the two parties. The Fathul Qorib book emphasizes that the validity of a contract does not depend on the form of the medium, but rather on the fulfillment of its conditions and pillars. Thus, contracts through digital media can be considered valid if these elements are met.

Consumer Behavior in Islamic Perspectives: A Theoretical Review

Niken Permata Sari — 2025-11-20

Islamic consumer behavior is guided by Islamic values and principles, which emphasize meaningful consumption connected to well-being, responsibility, moderation, and resource conservation. This study aims to produce a theoretical synthesis of consumer behavior from an Islamic perspective. In order to accomplish the goals and objectives of the research, a theoretical literature survey is carried out, and a conceptual framework for further investigation is provided. The normative framework of Islamic consumer behavior is explicitly determined by Maqasid al-Shari'ah, which provides a clear hierarchy of needs (Dharuriyyat, Hajiyyat, Tahsiniyyat) to guide ethical income allocation, avoiding israf and tabzir.