Berugak Jurnal Universitas Islam Negeri (UIN) Mataram
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Evaluating the Nexus Between Exports, Imports, GDP, and Gross Capital Formation in South Africa
Full text linkPurpose: This study evaluates the connection between exports, imports, GDP, and gross capital formation in South Africa.Method: The study employed the AutoRegressive Distributed Lag (ARDL) method, along with unit root tests to validate data stationarity, and bounds testing to confirm long-run cointegration among the variables. EViews 12 software was used to analyze the data spanning from 1986 to 2022.Results: The findings indicate a statistically significant positive relationship between imports and gross capital formation at the 1% level, suggesting that imports stimulate gross capital formation in South Africa. Exports also demonstrate a direct connection with gross capital formation. Empirically, both exports and imports are significant factors in enhancing the level of gross capital formation in the country. This indicates that increasing the gross domestic product (GDP) is crucial for diversifying exports, with economic policy being a major determinant that can promote investment in gross capital formation to boost both exports and imports. This sets the foundation for ensuring that exports and imports have a long-term impact on gross capital formation (GrCaF).Practical Implications for Economic Growth and Development: This study contributes to economic growth and development by highlighting the critical role of imports and exports in enhancing gross capital formation, which in turn improves the South African economy. The findings suggest that robust policies should be implemented, including tax cuts, increased infrastructure development, the promotion of manufactured goods, and advancements in domestic technologies. The government must provide stronger support for domestic industries to translate these efforts into economic growth and development
What Drives Generation Z’s Financial Behaviors? The Influence of Financial Literacy, Financial Socialization, and Self-Control
Full text linkPurpose: This study aims to examine the influence of financial literacy, financial socialization, and self-control on the financial behaviors of Generation Z.Method: This research employs a quantitative approach, utilizing an online questionnaire distributed through Google Forms to university students. The sample was selected using a purposive sampling technique, resulting in 185 respondents. The collected data was analyzed using multiple linear regression and t-test, with the assistance of SPSS software version 2.6.Result: The findings indicate that financial socialization and self-control significantly positively affect the financial behaviors of Generation Z. In contrast, financial literacy does not have a significant impact on these behaviors among university students. This suggests that external influences, such as parental guidance or peer discussions, and personal traits like self-discipline, play a more dominant role in financial decision-making than mere financial knowledge.Practical Implications for Economic Growth and Development: This study contributes by fostering better financial behaviors among Generation Z, who will soon enter the workforce and drive economic activities. By highlighting the importance of financial socialization and self-control, the research provides insights for policymakers and educators to design targeted financial education programs that enhance financial decision-making. In the long run, improved financial behaviors can lead to higher savings rates, reduced debt burdens, and more sustainable economic participation, ultimately strengthening financial stability and economic resilience
Examining the Impact of Gamification and Customer Experience on Customer Loyalty in E-commerce: Mediating Role of Customer Satisfaction
Full text linkPurpose: This study investigates the impact of gamification and customer experience on customer loyalty with customer satisfaction acting as an intervening variable.Method: This study adopts a quantitative research approach, employing a sample of 174 respondents who are users of the Shopee platform in the Cirebon region. The sampling technique utilized is non-probability sampling, chosen to ensure the representativeness of the sample. Data were analyzed using Structural Equation Modeling-Partial Least Squares (SEM-PLS) to examine the relationships between the variables.Result: The findings indicate a strong and statistically significant influence of gamification and user experience (UX) on customer loyalty. This relationship occurs both directly and indirectly through the mediating role of customer satisfaction. The study highlights the crucial role of customer satisfaction in establishing a connection between gamification, user experience, and customer loyalty.Practical Implications for Economic Growth and Development: The implementation of gamification and UX strategies contributes to economic growth by enhancing customer satisfaction and loyalty. Mechanisms such as rewards and challenge-based interactions foster greater customer engagement and retention, thereby increasing business competitiveness. High customer loyalty not only encourages repeat transactions but also generates positive word-of-mouth, ultimately promoting sustainable growth within the digital economy
Augmented Reality, Customer Experience, and Repurchase Intention in the Cosmetic Products: Exploring the Mediating Role of Customer Satisfaction
No full textPurpose: This study investigates the mediating role of customer satisfaction (CS) in the relationship between augmented reality (AR), customer experience (CE), and repurchase intention (RI).Method: Data were collected from 399 Gen Z cosmetic consumers in Cirebon City through Likert-scale questionnaires. Structural Equation Modeling–Partial Least Squares (SEM-PLS) was used for analysis.Result: This study revealed that all hypotheses were supported. It found that AR positively influences CS, CE significantly impacts CS, and both AR and CE directly affect RI. Additionally, CS was shown to mediate the effects of both AR and CE on RI.Practical Implications for Economic Growth and Development: The findings offer valuable insights for the cosmetics and digital marketing sectors. Integrating AR features can enhance shopping experiences, reduce product-related uncertainty, and increase consumer confidence. Improved customer experience leads to higher satisfaction and loyalty, driving repeat purchases. These outcomes can help businesses lower customer acquisition costs, foster innovation in digital technologies, and strengthen market competitiveness—contributing to job creation and broader economic development in both retail and tech industries.Originality/Value: This study contributes a novel perspective by focusing on Gen Z and cosmetic products. This study also integrates AR and customer experience within a unified research model
Bridging Augmented Reality Experience and Purchase Intention: Integrating Attitudinal Ambivalence into an Extended TAM
No full textPurpose: This study explores the impact of augmented reality (AR) technology on purchase intention in Indonesia. By integrating the AR experience framework with an extended Technology Acceptance Model (TAM), the research examines how five dimensions of the AR experience—sensory experience (SE), emotional experience (EE), thinking experience (TE), action experience (AE), and related experience (RE)—affect perceived ease of use (PEOU) and perceived usefulness (PU), which subsequently influence purchase intention (PI), with attitudinal ambivalence (AA) as a mediating factor.Method: A quantitative, cross-sectional survey was conducted with 300 Indonesian respondents, aged 18 to 60, who were recent users of the AR Sephora Virtual Artist. Data were collected through an online questionnaire and analyzed using Partial Least Squares Structural Equation Modeling (PLS-SEM).Result: Findings reveal that the dimensions of the AR experience positively impact PEOU and PU, which subsequently negatively influence AA. PU also directly fosters positive PI, while PEOU does not. Importantly, AA negatively affects PI, underscoring its critical role in consumer decision-making.Practical Implications for Economic Growth and Development: This research offers valuable insights for retailers to optimize AR implementation, thereby enhancing consumer engagement and driving purchase intention. Improving AR usability and effectiveness can reduce consumer uncertainty, strengthen market adoption, and advance digital commerce in the beauty industry.Originality/Value: This study uniquely integrates AA into existing AR adoption models and combines the AR experience framework with an extended TAM, providing novel theoretical contributions to AR in retail and insights into consumer behavior
Halal Trip Scheme: Implementation of Shariah Compliance in Indonesia
Full text linkPurpose: This study aims to analyze the implementation of the halal travel scheme in Indonesia and evaluate its compliance with sharia economic law, particularly focusing on standards set by DSN-MUI Fatwa No. 108/2016.
Method: Using normative legal methods through a study of relevant legal regulations and literature, especially DSN-MUI Fatwa No. 108/2016. The study focuses on key sharia principles and assesses their application within the halal trip scheme, especially through innovations like the "Halal Tripnesian" platform.
Result: The findings demonstrate that Indonesia\u27s halal trip scheme largely aligns with sharia compliance standards, effectively incorporating critical elements such as halal-certified food, prayer facilities, and sharia-compliant accommodations. Despite facing challenges, including diverse interpretations of sharia law, a lack of unified global halal certification, and varying levels of halal literacy among stakeholders, the overall implementation has shown strong adherence to sharia principles. Technological innovations, particularly through digital platforms, have enhanced the accessibility and convenience of halal travel, supporting the growth of the sector and positioning Indonesia as a leading destination for Muslim-friendly tourism.
Contribution: This study provides insights into the strengths and weaknesses of Indonesia’s halal travel scheme, highlighting the importance of regulatory support, digital innovation, and stakeholder education in ensuring sharia compliance. The research suggests that continued efforts in harmonizing halal standards and improving halal literacy are essential for sustaining growth and competitiveness in the global halal tourism market
ANALYSIS OF QURANIC RECITATION IN INTERFAITH DIALOGUE: Broadcasting and Islamic Law Perspectives
No full textMedia framing will consciously or unconsciously select information and accentuate certain aspects to shape public perception of an event. This research aims to analyze the framing of the recitation of the Qur\u27an in the context of interfaith dialogue, particularly on the occasion of Pope Francis\u27 visit to the Istiqlal Mosque. Through a descriptive qualitative approach, this research examines in depth how the media, in this case Kompas TV, presented the event. The analysis is focused on the perspective of broadcasting law and contemporary Islamic law. The results show that the practice of reciting the Qur\u27an in the context of interfaith dialogue has great potential in promoting the values of tolerance and pluralism. However, there are different views among scholars regarding the limits of this practice. Legally, although there is no specific regulation, the general principles in the Broadcasting Law provide room for the practice. Meanwhile, from the perspective of Islamic law, there are differences of opinion among scholars regarding the permissibility of this practice. Qur\u27anic recitation in the context of interfaith dialogue can be an effective means of building better understanding between religious communities. However, it is important to maintain a balance between the spirit of inclusiveness and the prevailing religious principles.
This study will identify the common ground and differences in the perspectives of the two legal systems, as well as their implications for the practice of broadcasting Qur\u27anic recitations in public spaces
GLOBAL ALGORITHMS, LOCAL CULTURES: Understanding Children’s Content Legibility on Youtube
No full textThis study investigates the legibility of children’s content on YouTube, examining how it is presented, created, and consumed within the context of participatory parenting and Youtube algorithm. Using Jürgen Habermas\u27 public sphere framework, the research explores how digital platforms like YouTube shape participatory media practices, particularly in producing accessible and developmentally appropriate content for young audiences. The study adopts a purposive sampling method, by selecting videos based on YouTube’s algorithmic recommendations to simulate the user experience and exploring how the algorithm presents what they deemed as children content. Then, YouTube API is used to provide a broader overview of children’s content trends, while visual content analysis examines the visual and narrative elements that contribute to content legibility. Findings reveal that while YouTube serves as a collaborative affinity space for children’s content, promoting informal learning and interaction, its algorithm-driven and commercialized nature often undermines content authenticity and diversity, raising concerns about its alignment with children’s cognitive and developmental needs. The study underscores the importance of enhancing the legibility of children’s content in Youtube’s affordances to ensure it is engaging, educational, and appropriate for its intended audience
IMPLEMENTATION OF THE MUSYARAKAH MUTANAQISAH AKAD PERSPECTIVE OF JURISPRUDENCE IN PT BPR SYARIAH NTB
No full textThis research examines the implementation of the musyarakah mutanaqisah contract from the perspective of muamalah fiqh at PT BPR Syariah Dinar Ashri NTB. This research departs from public attention to Islamic banking in NTB. PT BPR Syariah Dinar Ashri NTB is one of the Islamic financial institutions that has tried to implement sharia values on the musyarakah mutanaqisah contract through continuous innovation and evaluation in accordance with sharia operational standards and regulations of the Financial Services Authority of the Republic of Indonesia. This research uses qualitative research methods. Data were collected through interviews with stake holders of PT BPR Syariah Dinar Ashri NTB, interviews with the sharia supervisory board, review of financial services authority regulations, review of DSN-MUI fatwas and analysis of related data and documents. The results of the study show that in applying the musyarakah mutanaqisah contract, this institution collaborates in asset ownership (musyarakah contract), customers have other objects as rental objects (ijarah contract) and bai\u27 contracts on musyarakah objects. As for its application, there are still shortcomings in it, such as in the contract system and contract implementation. In applying Islamic values such as the principles of justice, transparency, avoiding usury, gharar and maisir, PT BPR Syariah Dinar Ashri NTB provides responsibility and provides legal protection for the partie
NILAI GENDER DALAM MATERI PEMBELAJARAN BAHASA ARAB KELAS X SMA MUHAMMADIYAH BANTUL SUATU KAJIAN SOSIOLINGUISTIK
No full textThis study aims to analyze gender values in Arabic language learning materials for tenth-grade students at SMA Muhammadiyah Bantul using a sociolinguistic approach. The research employs a qualitative approach with a literature review, and data analysis is conducted using the interactive technique of Miles and Huberman. The analysis was carried out on several chapters of the learning materials. The results indicate the presence of gender bias in the presentation of Arabic language learning materials for tenth-grade students at SMA Muhammadiyah Bantul. After being analyzed based on five forms of gender inequality, it was found that seven chapters in the learning materials exhibit gender bias in the forms of stereotypes, marginalization, and subordination. Meanwhile, only one chapter, ???? ????, does not show any indications of gender bias. This imbalance is evident in various aspects, such as the dominance of male characters in dialogue texts, vocabulary choices that predominantly represent male roles in the public sphere, and the lack of female involvement in academic and professional discourse. Additionally, there is a tendency to associate certain roles with specific genders, which can reinforce stereotypes among students