UIN (Universitas Islam Negeri) Walisongo Journals
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The Influence of Marketing Strategy and Brand Image on Customer Loyalty with Customer Satisfaction as a Mediating Variable among Customers of BSI Bank, Kedaton Branch
Full text linkPurpose - This study aims to analyze the influence of marketing strategies and brand image on customer loyalty, with customer satisfaction as a mediating variable at BSI Bank Kedaton Branch.
Method - The research uses a quantitative approach with a survey method. Data were collected through questionnaires distributed to 100 respondents selected using purposive sampling. The respondents are customers of conventional services and active users of the BSI Mobile application.
Result - The results of the study showed that marketing strategies and brand image affect BSI bank customer loyalty. Marketing strategies and brand image are able to influence BSI bank customer satisfaction, and customer satisfaction as a mediating variable is able to mediate marketing strategies and brand image on BSI bank loyalty.
Implication - This study provides practical insights for Islamic banking institutions to increase customer loyalty by improving their marketing strategies and strengthening brand image through customer satisfaction.
Originality - The novelty of this research lies in its integrated analysis of customer satisfaction as a mediating variable between marketing strategies and brand image toward customer loyalty in the context of a newly merged Islamic bank, BSI.
Keywords: Marketing strategy, brand image, customer loyalty, customer satisfaction
Non-Conviction-Based Asset Forfeiture: Presumption of Innocence and Principle of Legality Perspective
Full text linkThis research aims to examine the legality of the Non-Conviction-Based Asset Forfeiture (NCBAF) provisions in the Draft Law on Asset Forfeiture. The research is motivated by the limitations of conviction-based forfeiture in cases where offenders have died, fled, or cannot be prosecuted, resulting in unrecovered state losses. NCBAF provides an alternative through an in-rem mechanism, allowing the state to pursue assets suspected of being the proceeds of crime without first waiting for a criminal conviction. Terminologically, in rem proceedings are directed at the property itself, while in personam proceedings are directed at an individual to establish guilt and impose punishment. This distinction is essential, as NCBAF focuses on the asset as the object of dispute rather than the criminal liability of the owner, thereby requiring careful adaptation within Indonesia’s civil law framework to remain consistent with the principles of legality and presumption of innocence. This research employs a normative juridical method, incorporating both statutory and conceptual approaches. The findings indicate that NCBAF can be constitutionally justified if explicitly regulated by law, placed under judicial oversight, and accompanied by legal protection for bona fide third parties. Therefore, the Asset Forfeiture Bill is a strategic legal instrument to strengthen asset recovery in Indonesia in a manner that is effective, fair, and consistent with fundamental principles of national criminal law.
Penelitian ini bertujuan untuk mengkaji legalitas ketentuan Perampasan Aset Berbasis Non-Conviction (NCBAF) dalam Rancangan Undang-Undang Perampasan Aset. Penelitian ini dilatarbelakangi oleh keterbatasan perampasan berbasis putusan dalam kasus-kasus di mana pelaku telah meninggal dunia, melarikan diri, atau tidak dapat dituntut, sehingga mengakibatkan kerugian negara yang belum terpulihkan. NCBAF memberikan alternatif melalui mekanisme in rem, yang memungkinkan negara untuk mengejar aset yang diduga merupakan hasil kejahatan tanpa terlebih dahulu menunggu putusan pidana. Secara terminologis, proses in rem ditujukan pada properti itu sendiri, sementara proses in personam ditujukan pada individu untuk menetapkan kesalahan dan menjatuhkan hukuman. Perbedaan ini penting, karena NCBAF berfokus pada aset sebagai objek sengketa, alih-alih pertanggungjawaban pidana pemiliknya, sehingga memerlukan adaptasi yang cermat dalam kerangka hukum perdata Indonesia agar tetap konsisten dengan asas legalitas dan praduga tak bersalah. Penelitian ini menggunakan metode yuridis normatif dengan pendekatan perundang-undangan dan konseptual. Temuan penelitian menunjukkan bahwa NCBAF dapat dibenarkan secara konstitusional jika diatur secara tegas dalam undang-undang, berada di bawah pengawasan peradilan, dan disertai dengan perlindungan hukum bagi pihak ketiga yang bonafide. Oleh karena itu, RUU Perampasan Aset merupakan instrumen hukum yang strategis untuk memperkuat pemulihan aset di Indonesia secara efektif, adil, dan konsisten dengan prinsip-prinsip dasar hukum pidana nasional.
Keywords: Non-Conviction Based Asset Forfeiture; Presumption of Innocence; Legality.
Mental health and financial problems: A bibliometric study
Full text linkPurpose – This study examines the relationship between financial stress and mental health, focusing on adaptation mechanisms and the socio-cultural factors influencing resilience. It also identifies key research trends, emerging themes, and global collaborations.
Method – A bibliometric analysis was conducted on 488 articles from the Scopus database (2019–2024). The study employed multiple linear regression and path analysis to assess the effects of financial stress on mental health, with socio-cultural factors as an intervening variable. A sample of 100 individuals was selected using a simple random sampling method. Data analysis was performed using R software and the Biblioshiny application, incorporating keyword analysis, research collaboration mapping, and thematic classification.
Result – The findings indicate a significant increase in research on financial stress, mental health, and coping strategies. Cross-country collaborations have strengthened, particularly among the United States, the United Kingdom, and China. Emerging topics such as financial resilience and adaptive strategies are gaining attention. The study highlights the complex relationship between financial stress and mental well-being, influenced by economic conditions and social support systems.
Implication – The study suggests integrating financial and psychological interventions to enhance coping mechanisms and improve societal well-being, offering insights for policymakers.
Originality/Value – This research is the first to incorporate socio-cultural factors as an intervening variable, providing a comprehensive framework for understanding financial stress and mental health.
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Tujuan – Studi ini mengkaji hubungan antara stres keuangan dan kesehatan mental, dengan fokus pada mekanisme adaptasi dan faktor-faktor sosio-budaya yang memengaruhi ketahanan. Studi ini juga mengidentifikasi tren penelitian utama, tema-tema yang muncul, dan kolaborasi global.
Metode – Analisis bibliometrik dilakukan pada 488 artikel dari basis data Scopus (2019–2024). Studi ini menggunakan regresi linier berganda dan analisis jalur untuk menilai dampak stres keuangan terhadap kesehatan mental, dengan faktor sosio-budaya sebagai variabel perantara. Sebuah sampel terdiri dari 100 individu dipilih menggunakan metode sampling acak sederhana. Analisis data dilakukan menggunakan perangkat lunak R dan aplikasi Biblioshiny, yang mencakup analisis kata kunci, pemetaan kolaborasi penelitian, dan klasifikasi tematik.
Hasil – Temuan menunjukkan peningkatan signifikan dalam penelitian tentang stres keuangan, kesehatan mental, dan strategi koping. Kolaborasi antar negara semakin kuat, terutama antara Amerika Serikat, Inggris, dan China. Topik-topik baru seperti ketahanan keuangan dan strategi adaptif mulai mendapat perhatian. Studi ini menyoroti hubungan kompleks antara stres keuangan dan kesejahteraan mental, yang dipengaruhi oleh kondisi ekonomi dan sistem dukungan sosial.
Implikasi – Studi ini menyarankan integrasi intervensi keuangan dan psikologis untuk meningkatkan mekanisme penanggulangan dan meningkatkan kesejahteraan masyarakat, memberikan wawasan bagi pembuat kebijakan.
Orisinalitas/Nilai – Penelitian ini merupakan yang pertama kali memasukkan faktor sosio-budaya sebagai variabel perantara, menyediakan kerangka kerja komprehensif untuk memahami stres keuangan dan kesehatan mental
Strategy Promotion Through Instagram National Aid Foundation (BAZIS) DKI Jakarta in Increasing Zakat Fundraising
Full text linkThis study aims to explores the initiatives undertaken by BAZNAS (BAZIS) Jakarta to boost charity fundraising through Instagram, particularly in light of the prevalent lack of public awareness regarding zakat. Social media platforms, especially Instagram, have become crucial due to their extensive reach and high levels of audience engagement. The research employs a qualitative methodology, utilizing interviews, observations, and documentation conducted at BAZNAS (BAZIS) Jakarta. The findings reveal that BAZNAS (BAZIS) Jakarta effectively enhanced its charity fundraising efforts by leveraging a promotional mix that includes advertising, personal selling, sales promotion, public relations, and direct marketing. Additionally, the application of the AIDA technique attracting attention, generating interest, creating desire, and prompting action played a significant role in this success. This achievement was further reinforced by the strategic use of Instagram features to broaden outreach and elevate audience engagement
Improving Learning Outcomes through the Problem Based Learning Model in Islamic Education Subjects in Elementary Schools
Full text linkThis research aims to improve the learning outcomes of grade IV students in the learning of Islamic Religious Education and Ethics, especially the material of Surah Al-Hujurat verse 13, through the application of the Problem Based Learning (PBL) learning model. This Class Action Research (PTK) is carried out in two cycles, each cycle consists of planning, implementation, observation, and reflection stages. The subjects of the study were 28 students at SD Negeri Balerejo 3, Dempet, Demak. Data collection is carried out through written tests, observation sheets, and documentation, then analyzed quantitatively and qualitatively to evaluate the improvement of student activities and learning outcomes. The results showed that the average score of students in the first cycle was 65 with a completeness of 36%, while in the second cycle it increased to 77 with a completeness of 89%. These findings prove that PBL is effective in improving learning outcomes, critical thinking skills, problem-solving skills, and student activeness during learning. The contribution of this research provides an alternative learning model that is effective in associating religious values with the context of daily life in Islamic Religious Education subject
Artificial Intelligence and Islamic Perspective in Student Character Assessment
Full text linkArtificial intelligence (AI) is increasingly adopted in higher education, including in student character assessment. However, AI’s inability to capture spiritual aspects such as intention (niyyah), sincerity, and God-consciousness (taqwa) creates a gap between technological efficiency and the moral values of Islamic education. This study aims to explore students’ perceptions of AI-based character assessments in Islamic universities and propose a conceptual framework grounded in maqasid al-shariah. A descriptive qualitative method with a phenomenological design was employed, involving 20 purposively selected students from five academic programs at the Ar-Risalah Institute of Islamic Studies, Riau. Data were gathered through in-depth interviews, observations, and document analysis, and analyzed using the Miles and Huberman model. The findings reveal students’ distrust toward AI’s fairness, particularly its failure to assess inner spiritual dimensions, and highlight the irreplaceable role of educators in moral guidance. The study concludes that AI should be ethically guided and embedded with Islamic values to ensure its compatibility with character education in faith-based institutions. A value-sensitive AI framework can help harmonize automation with spiritual integrity, allowing Islamic higher education to adopt digital technologies without compromising its sacred pedagogical mission
Cash Flow Risk and Financial Balance: Evidence from Islamic Rural Banks in Indonesia
Full text linkThis study delves into the impact of funding liquidity risk (FLR) counting, including several bank-specific variables and the Coronavirus outbreak, on the balance of Islamic rural banks (IRBs) in Indonesia. Utilizing unbalanced quarterly panel data from 97 IRBs in Java from 2015 (Q1) to 2023 (Q4), the analysis is conducted using panel data regression. The results confirm that FLR significantly decreases bank stability. However, this negative influence was notably weakened during the COVID-19 Crisis. The analysis further reveals that the negative outcome of FLR on stability is more pronounced in smaller IRBs compared to their larger counterparts. Additionally, the findings show that while bank capital and operational efficiency enhance balance, factors such as larger bank size, high financing levels, and the pandemic period itself tend to reduce it. This research offers two key implications. Theoretically, it highlights how FLR can erode stability, a risk amplified when banks undertake high-risk investments. Practically, it underscores the critical need for especially the smaller IRBs to proactively manage asset-liability maturity mismatches to ensure financial stability
Tarling Hybridity in the Digitalization Arena: Digital Sociology Study of Modern Music Production
Full text linkTarling music is referred to as a hybrid cultural product, in addition to being based on historical aspects as an art form that has been acculturated, its development cannot be separated from the influence of technology and communication. The shift in the production, distribution, and consumption practices of Tarling music from classical to modern proves the relationship between analog production methods and digital output. This qualitative research uses a constructivist paradigm to answer the question of how Tarling music as a hybrid cultural product is viewed in the context of global concerns about the interaction of social agents in the digitalization arena. The analysis was conducted based on Deborah Lupton's digital sociology study, supported by Pierre Bourdieu's analysis of the cultural production arena. As a result, through the role of producer agents, managers, and singers, Tarling music revolutionizes itself from analog to digital with the presence of digital music files. The performance of interaction agents with the cyber ecosystem in the digitalization arena to produce, distribute, and consume music through digital platforms
The Evolution of Islamic Philanthropy in Indonesia’s Digital Age (2016–2023)
Full text linkZakat management institutions have changed the method of collecting Islamic philanthropic funds (zakāt, infāq, ṣadaqah [ZIS]) from conventional to digital by utilizing digital platforms. This article aims to describe the transformation by the National Board of Zakat Republic of Indonesia (BAZNAS RI) and the views of scholars regarding the expansion of the meaning of mustaḥiq in the Indonesian context. This research is a normative-empirical legal research with primary data from interviews and secondary data referring to the BAZNAS RI annual report for 2016-2025. After being collected, the data was analyzed using interpretation and description techniques. The results of this study indicate that digital ZIS collection has increased with an average growth of 32%, and its distribution has increased by an average of 30% per year from 2016 to 2023. Digital ZIS management has also had an impact on the expansion of the meaning of the five mustaḥiq groups in Indonesia, namely mu'allaf, riqāb, ghārimīn, sabīlillā, and ibn sabīl. Digital ZIS management needs to be socialized massively in the community. In addition, there needs to be a review of the effectiveness of digital-based productive zakat management for the following years. Likewise, extensive research on the meaning of mustaḥiq and zakat objects that have changed
Interpersonal communication between students and gurèe in instilling Islamic values: A case study of Dayah Mudi Mesra in Aceh, Indonesia
Full text linkThis study examines the interpersonal communication between students (santri) and teachers (gurèe) in instilling Islamic values at LPI Dayah Mudi Mesra, Aceh. The interpersonal communication between santri and gurèe is not limited to the transfer of knowledge but also involves a deep emotional relationship, playing a crucial role in the internalization of moral and spiritual values. This research uses a qualitative method with a case study approach, collecting data through in-depth interviews, participant observation, and documentation. The results show that intensive interpersonal communication serves as an effective medium in shaping the Islamic character of santri, with teachers acting as a role model and providing moral guidance through daily attitudes and behaviors. This relationship enables students to more easily internalize religious teachings in their daily lives. This study contributes to understanding the important role of interpersonal communication in dayah education, particularly in shaping santri with noble character and strong spirituality. Moreover, this study strengthens interpersonal communication rooted in Islamic values, setting it apart from conventional notions of interpersonal communication
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Penelitian ini mengkaji komunikasi interpersonal antara santri dan gurèe (guru) dalam menanamkan nilai-nilai keislaman di Dayah Mudi Mesra. Komunikasi interpersonal antara santri dan Gurèe tidak hanya terbatas pada transfer ilmu, tetapi juga melibatkan hubungan emosional yang mendalam, yang berperan penting dalam internalisasi nilai-nilai moral dan spiritual. Penelitian ini menggunakan metode kualitatif dengan pendekatan studi kasus, mengumpulkan data melalui wawancara mendalam, observasi partisipan, dan dokumentasi. Hasil penelitian menunjukkan bahwa komunikasi interpersonal yang intensif menjadi sarana efektif dalam membentuk karakter islami santri, dengan Gurèe bertindak sebagai teladan yang memberikan bimbingan moral melalui sikap dan perilaku sehari-hari. Hubungan ini memungkinkan santri untuk lebih Mudih menginternalisasi ajaran agama dalam kehidupan sehari-hari. Kajian ini memberikan kontribusi terhadap pemahaman tentang peran penting komunikasi interpersonal dalam pendidikan di dayah, khususnya dalam membentuk karakter santri yang berakhlak mulia dan kuat secara spiritual. Lebih jauh, studi ini memperkuat komunikasi interpersonal yang berakar pada nilai-nilai keislaman, yang membedakannya dari konsep komunikasi interpersonal pada umumnya