Pandangan Ekonomi Islam terhadap Sikap Konsumerisme Akibat Metode Pembayaran Tunda Bayar (PayLater)

The marketplace has experienced unprecedented growth in the last few years, which significantly impacts changing consumers' ways of performing their consumption behaviour by offering a new payment method called PayLater. PayLater is assumed to lead people into consumptive behaviour on buying products due to processing the payment later. Notwithstanding, Islam has certain principles regarding consumption activities, including the prohibition of extravagance in personal consumption and collectively. Thus, in Islam, consumption must be based on needs, not just the fulfilment of lust which is, of course, endless. This study examines the influence of PayLater on Muslim consumption. This study uses descriptive research with a qualitative approach. Based on the analysis, this study confirms that Islam guides all human beings, specifically Muslims, to consume based on their ability. Muslims is suggested to manage their consumption which implies that Muslim's consumption expenditure should not be greater than their income, leading to wasteful behaviour. On the other hand, Muslims should not suppress their expenditure which will lead to destruction.

Peran Guru Pendidikan Agama Islam dalam Membangun Semangat Keberagaman Beragama di SMPN 13 Kota Kupang

This research was started when the writer felt uneasy about cases concerning religious issues that have recently occurred in Indonesia. Either on purpose or not. Now there are a lot of certain people who become elements of a problem regarding religion in Indonesia, as well as when certain groups have liberal beliefs where they lack socialization in society. This study aims to describe the perspectives of an Islamic Education teacher and also the principle of religious diversity in schools. The type of research used is descriptive qualitative. Where the researcher looks for several sources and then puts them together and in the sense that the research is meant to gather information about the status of an existing symptom. The data collection technique was done by observing, interviewing, and documenting. As well as research subjects consisting of PAI teachers, school principals, Muslim students, and Christian students. This research was conducted directly at SMPN 13 Kupang City. From the results of the research carried out, it can be concluded that the task of a teacher is not just teaching but also the teacher can provide examples and motivation that is useful for students, besides that a teacher also has an important role in the community and also religious values. We must, but we will protect it so that in the future there will be no more cases regarding religion in Indonesia

Pengaruh Customer Intimacy, Promosi, dan Citra Merek Islam Terhadap Loyalitas Nasabah Bank Syariah Indonesia KCP Godean 3 dengan Kepuasan sebagai Variabel Intervening

This study aims to examine the effect of customer intimacy, promotion, and Islamic brand image on customer loyalty at Bank Syariah Indonesia KCP Godean 3 with satisfaction as an intervening variable. The research method is quantitative in the form of primary data obtained through distributing questionnaires to customers of Bank Syariah Indonesia KCP Godean 3. The samples taken are 100 respondents. The sampling technique used is purposive sampling. Then the results obtained are processed with SPSS version 22. The results show that customer intimacy has a significant positive effect on loyalty with a coefficient of 23.8% and a significance of <5%. Promotion has a positive and insignificant effect on loyalty with a coefficient of 1.9% and a significance >5%. Islamic brand image has a positive and significant effect on loyalty with a coefficient of 35.3% and a significance of <5%. Satisfaction has a positive and significant effect on loyalty with a coefficient of 47.7% and a significance <5%. Customer intimacy has a significant positive effect on satisfaction with a coefficient of 64.0% and a significance of <5%. %. Promotion has a positive and insignificant effect on satisfaction with a coefficient of 1.4% and a significance >5%. Islamic brand image has a positive and significant effect on satisfaction with a coefficient of 91.0% and a significance of <5%. Satisfaction is not able to mediate customer intimacy on loyalty with a t count of 39.495% < t table 1.661 with a significance level of 5%. Satisfaction is not able to mediate promotion of loyalty with a t count of 39.103% < t table 1.661 with a significance level of 5%. Satisfaction is able to mediate Islamic brand image on loyalty with t count of 419.041% > t table 1.661 with a significance level of 5%.