JOURNAL ISLAMIC ECONOMICS AD DIWAN

PENGARUH KOMPETENSI KARYAWAN, ETIKA BISNIS ISLAM TERHADAP KUALITAS PELAYANAN NASABAH BANK SYARIAH INDONESIA DI MUARA BULIAN KABUPATEN BATANG HARI

El Munawwarah El Munawwarah, Wina Sari Asmara, Raden Hebat Kurnia — Thu, 27 Mar 2025 00:00:00 +0000

This research is based on the quality of service provided by the Bank to customers. There are many influences that make the service of BSI Muara Bulian Branch quality, including in terms of employee competence and Islamic business ethics owned by the Bank. The purpose of this study is to determine how much influence employee competence and Islamic business ethics have on the quality of customer service at BSI Muara Bulian Branch. The research method used is a quantitative method. The population used in this study were active customers at BSI Muara Bulian Branch using the Slovin theory with a 5% error limit, a sample of 164 respondents was obtained with a trial of 30 respondents through random sampling techniques and the remaining 134 respondents were used again as a test of the research instrument. The data collection techniques used by the researcher were literature studies, observations, interviews and questionnaires. Based on the results of the study, it shows: the influence of employee competence on service quality is 34.2%, the influence of Islamic business ethics on service quality is 65.4%, and simultaneously employee competence and Islamic business ethics on service quality have an effect of 81.1%

AHKAM VERSES IN SHARIA ECONOMICS

Roudotul Jannah J, Gallyn Ditya Manggala, Sheny Yulianty, Badawi Murai — Fri, 28 Mar 2025 00:00:00 +0000

The number of verses in the Qur'an has different opinions among scholars, the factor behind the disparity in the number of verses is the difference among those who listened to the Prophet's recitation, SAW. regarding waqf and washal. Regarding the number of ahkam verses, there is also ikhtilaf among scholars, the difference is caused by the perception of the criteria for the legal verses themselves, the reality does show that certain verses, on the one hand reflect legal verses, but on the other hand indicate other groups of verses. There are scholars who count the number of ahkam verses less, namely 150 verses, this may be because they only count those that really explain the law, in the sense of normative law only. There are scholars who count the number of ahkam verses reaching 900, some even count up to 1100 verses, this calculation is considered more realistic. because in reality, there are not a few legal istinbath taken from verses themed qashas (stories), verses of proverbs (parables) and even verses with other themes, but in the syar`i khitab it is still related to the actions of mukallaf people contained in the Qur'an and sunnah, both explicitly and implicitly. While some say that the number of economic and financial verses is only 10 verses and some say it reaches 400 verses, this is because some use verses as evidence in all aspects of the economy, both consumption, production, distribution, agriculture, fisheries, employment and other aspects, even though only implicitly.

PENGARUH SYARIAH COMPLIANCE, TRANSPARANSI dan AKUNTABILITAS TERHADAP MINAT MUZAKKI MEMBAYAR ZAKAT DI DT PEDULI CABANG BOGOR

Bukhori Hanief Al Fajry, Abrista Devi, Reni Sinta Dewi — Sun, 23 Mar 2025 00:00:00 +0000

This study aims to determine the influence of Sharia Compliance, Transparency, and Accountability on the interest of muzakki to pay zakat at DT PEDULI Bogor Branch. The problems experienced at DT PEDULI Bogor are the low collection of zakat funds and the number of those who have not reached their intended potential. This is influenced by the inequality between the potential of zakat funds and their realization, resulting in many muzakki who pay their zakat directly to mustahik and not through zakat institutions. The research approach used by the researcher is a quantitative approach. The population carried out in this study is the muzakki who give zakat at DT PEDULI Bogor branch with a total of 426 people. The sample collection method used is the purposive sampling method with a sample size of 100 respondents. The data analysis technique uses the Structural Equation Modelling-Partial Least Square (SEM-PLS) method through smartPLS 4.0 software. The results of this study show that Sharia compliance, and transparency have a significant and positive effect on the interest of muzakki in paying zakat. Meanwhile, accountability does not have a significant and positive effect on the interest of muzakki in paying zakat.

THE EFFECT OF EASE OF USE OF TOKOPEDIA ON TUITION PAYMENTS: A LITERATURE REVIEW

Febi Julia Ariska, Elida Elfi Barus — Tue, 25 Mar 2025 00:00:00 +0000

This study aims to examine the effect of the ease of use of Tokopedia on tuition payments in Indonesia, focusing on implementing digital payment systems such as QRIS and electronic wallets. This literature review identifies various benefits Tokopedia provides as a tuition payment platform, including ease in the transaction process, flexibility of payment methods, and increased administrative efficiency in educational institutions. Tokopedia, with the integration of the QRIS system, allows students to make payments using various e-wallets, which speeds up the process and increases financial inclusion among students, especially those living in remote areas. However, while the platform provides convenience, data security and economic inclusion challenges are still a significant concern. Transaction security, especially in terms of the protection of users' personal data and accessibility for students who do not have adequate access to digital technology, is an issue that needs to be addressed. In addition, Tokopedia also improves students' financial literacy, helps them manage their expenses, and prepares them for future financial challenges. Overall, Tokopedia has made an essential contribution to the digitization of tuition payments, but economic security and inclusion challenges must continue to be considered to optimize its benefits.

THE EFFECT OF PRODUCT QUALITY ON CUSTOMERS' DECISION TO CHOOSE HOME OWNERSHIP LOAN (KPR) FINANCING AT BANK BTN SYARIAH MEDAN BRANCH OFFICE

Dwi Vanka Br. Sitepu, Raja Sakti Putra Harahap — Tue, 25 Mar 2025 00:00:00 +0000

Sharia financing with a more certain installment amount makes it one of the people's interests to take out a mortgage at Bank BTN Syariah Medan Branch Office. The question in this research is, is the quality of Sharia financing products with more definite installment amounts able to influence customers' decisions when choosing Home Ownership Credit (KPR) at Bank BTN Syariah Medan Branch Office? The method used in this research is quantitative, with a sample of 41 respondents. This research shows that the product quality variable significantly influences the decision to occupy a house at Bank BTN Syariah Medan Branch Office. This is also proven by the Product Quality Variable (X) having a tcount of 4.781 with a significance level of 0.006 and a ttable of 1.682 with df = 41 at the 0.05 level. The significance level is less than 0.05. The coefficient of determination results shows that 63.7% of location variables can influence the decision variable to occupy a house, and other variables outside the research discussion influence the remaining 36.3%.

THE INFLUENCE OF FINANCIAL LITERACY, CONVENIENCE, AND SECURITY ON THE DECISION TO TRANSACT USING QRIS ON MSMES AT BSI UMKM CENTER ACEH

Alfi Syahrin, Marlizar, Sulfitra — Fri, 28 Mar 2025 00:00:00 +0000

This study aims to analyze the influence of financial literacy, ease of use, and security on the decision to transact using QRIS among MSMEs (Micro, Small, and Medium Enterprises) at the BSI MSME Center in Aceh, both partially and simultaneously. The research employs a quantitative approach with descriptive and causal methods. Data were collected through questionnaires distributed to 84 MSME respondents at the BSI MSME Center in Aceh, selected using purposive sampling techniques. Data analysis includes validity and reliability tests, multiple linear regression analysis, and partial and simultaneous hypothesis testing. The results reveal that financial literacy does not have a significant partial effect on the decision to transact using QRIS, while ease of use has a positive and significant partial effect. Security also does not significantly influence the decision to transact. However, simultaneously, financial literacy, ease of use, and security significantly influence the decision to transact using QRIS. The implications of this study highlight the importance of enhancing the ease of use of QRIS through interface simplification and user training, as well as strengthening financial literacy and security to support the adoption of digital payment technologies among MSMEs. These findings can serve as a reference for Bank Syariah Indonesia, the government, and payment service providers in designing educational programs and technological advancements to promote QRIS usage in the MSME sector.

DETERMINANTS OF ZILENIAL AND MILLENNIAL GENERATION BEHAVIOR IN USING E-COMMERCE WITH THE TPB-TAM COMBINATION MODEL APPROACH

haeruddin — Tue, 25 Mar 2025 00:00:00 +0000

The rapid development of technology has transformed conventional trading systems into e-commerce, enabling efficiency and ease in digital transactions. The advancement of technology, especially in commerce, has been widely accepted by all levels of society, particularly the Zilenial and Millennial generations, which naturally impacts consumer behavior. This study aims to determine the behavioral determinants of the Zilenial and Millennial Generations in using e-commerce through the TPB-TAM Combination Model approach. This research adopts a quantitative method, with the population consisting of the Zilenial and Millennial Generation (aged 11–42 years) at the AL-Ijtihad Al-Mahsuni Lotim Foundation. Data collection is conducted through questionnaires, and data analysis is performed using SmartPLS3. The study's results indicate that: (1) Attitude Towards Use (ATU) positively influences Intention to Use (BI); (2) Subjective Norms (SN) positively influence Intention to Use (BI); (3) Perceived Behavioral Control (PBC) does not significantly influence Intention to Use (BI); (4) Perceived Benefits (PU) positively influence Intention to Use (BI); and (5) Perceived Ease of Use (PEU) positively influences Intention to Use (BI). The findings confirm the proposed hypotheses, showing that ATU, SN, PU, and PEU have a positive and significant impact on BI, while PBC does not significantly affect BI. These results provide a deeper understanding of the role of technology in buying and selling transactions, particularly in e-commerce, and its influence on the behavioral patterns of the Zilenial and Millennial generations in adopting e-commerce.

ANALYSIS OF LEGAL CHALLENGES IN THE DEVELOPMENT OF DIGITAL ECONOMY AND E-COMMERCE IN THE MODERN TECHNOLOGY ERA

Nasarudin, Zuhrah — Fri, 28 Mar 2025 00:00:00 +0000

The development of the digital economy and e-commerce in the era of modern technology faces significant legal challenges, regulatory gaps, consumer protection, and data security. The purpose of this study is to analyze the legal challenges in the development of the digital economy and e-commerce, identify regulatory gaps, create an adaptive and inclusive legal framework to support the growth of the digital economy in Indonesia. Qualitative research methods, the research approach uses a library research approach. The data collection method uses document review. The analysis used is content analysis. The results of the study indicate that the legal challenges in the development of the digital economy and e-commerce in the era of modern technology can be grouped into several main aspects, namely regulation, consumer protection, data security, and sustainability of the digital ecosystem. First, regulatory gaps are a significant problem because many laws are no longer relevant to the development of digital technology, such as cross-border trade and digital taxation. In addition, the lack of harmonization of laws between countries hinders international trade. Furthermore, consumer protection is also a concern, where many consumers face unclear rights and responsibilities in online transactions, as well as the risk of fraud and lack of transparency from service providers. On the other hand, data security and privacy are major issues, with regulations that are still weak in protecting personal information and low public awareness of the importance of data privacy. Challenges to the sustainability of the digital ecosystem also arise, especially related to the inequality of access to technology and the imbalance of power between large and small business actors. This study emphasizes the urgent need to develop regulations that are more adaptive and flexible to technological innovation, as well as the importance of collaboration between governments, industry players, and the international community to overcome global challenges in the digital economy.

MENINGKATKAN KEPUASAN PELANGGAN BIDANG USAHA PESANTREN MELALUI KUALITAS PELAYANAN DAN HARGA

Mastur, Ziana Firdaus, Rapika Dewi, Sabrina Rahma Kamiswari, Mega Muhardi — Wed, 23 Apr 2025 00:00:00 +0000

Realizing the economic independence of Islamic boarding schools is now the main agenda. This can be achieved by building a business that focuses on customer needs and preferences. Business continuity can also be guaranteed by continuing to improve the quality of services provided. The existence of research phenomena and gaps regarding different research results intrigued the author to test these variables at Darunnajah Fried Chicken. Quantitative research method with 100 respondents using smart PLS 4.1.0.2 data analysis. From the research days it was found that price has no effect on customer satisfaction, price has a positive and significant effect on service quality. Service quality has a positive and significant effect on customer satisfaction. Service quality is able to mediate between price and customer satisfaction. Service quality and price can influence customer satisfaction by 28.1%, while the remainder (71.9%) is influenced by variables not studied.

Leisure Class Dalam Pola Konsumsi Mahasiswa UIN Alauddin Makassar

Nur Mala, Sirojuddin, Muslihati — Thu, 20 Mar 2025 00:00:00 +0000

This study examines the leisure class phenomenon in the consumption patterns of UIN Alauddin Makassar students, focusing on the tendency of excessive consumption that prioritizes desires over needs. This phenomenon shows the existence of consumptive behavior that is inseparable from the influence of the social environment, lifestyle, and increasingly rapid technological developments. The purpose of this study is to analyze in more depth how the leisure class is formed and influences students' consumption patterns in their daily lives. The research method used is a qualitative approach with a phenomenological research type. The results of the study indicate that (1) the excessive consumption pattern in the leisure class is supported by factors of social class, lifestyle, personality and self-concept, as well as the difference between desires and needs; (2) factors that influence the formation of the leisure class include parental income, taste in technology, and product quality; (3) the impacts of the leisure class consumption pattern include wasteful behavior and the emergence of social jealousy among students; (4) when viewed from the concept of consumption according to Imam Al-Ghazali, the student consumption pattern is classified as excessive and exceeds the limits of needs. Therefore, this study recommends that students be wiser in regulating consumption patterns by prioritizing needs over desires alone in order to avoid the negative impacts that arise.

PEMBIAYAAN MELALUI FINTECH SYARI’AH SEBAGAI UPAYA PENGEMBANGAN UMKM DI ERA KEUANGAN DIGITAL

Rahmat Aji Nuryakin, Eti Jumiati, Asep Solihin, Aep Saefuddin, Wati Rahayu — Thu, 27 Mar 2025 00:00:00 +0000

This study aims to describe the distribution of funding through Financial Technology (Fintech) Syari'ah in an effort to develop MSMEs in the current Disruption Innovation era in Indonesia. The method used for this research is descriptive analysis with an exploratory qualitative approach in order to understand an event, ensure the validity of the data, categorize the data, and construct the phenomena that occur. The data collected is secondary data, technical analysis and data collection is carried out by literature review as data to support scientific research. The data analyzed are in the form of journals, scientific papers, articles, official websites of Fintech companies, and other required sources. The results of the literature data can help identify whether Syari'ah Fintech is an alternative to MSME funding that does not have business capital reserves with a scheme according to a contract in Shari'ah principles and the extent of the role of Syari'ah Fintech in helping MSME financing in Indonesia

IMPLEMENTASI PEMASARAN SYARIAH PADA HOTEL SYARIAH PERSFEKTIF ETIKA BISNIS ISLAM

Triana Apriani; Surya Ningsih; Asep Solihin, Aep Saefuddin, Wati Rahayu — Thu, 27 Mar 2025 00:00:00 +0000

Sharia Hotel Marketing is a strategic business that directs the process of creating, offering, and changing value from an initiator to its stakeholders, which in the whole process is in accordance with the contracts and principles of muamalah and its perspective in Islamic business ethics. This article is a type of descriptive qualitative study of case studies that aims to describe the implementation of sharia hotel marketing, while the data used in this study are secondary data, secondary data is data obtained not directly from the source, including from literacy sources, and data from processed primary data collection. The results of this study are that not all sharia hotels market lodging service products and along with other facilities attached to sharia hotels, truly sharia, this is evidenced based on data from rating values and from reviews of hotel guest services that have stayed at various sharia hotels in Bandung City from the Agoda application

PENGARUH RETORIKA SALES MARKETING INVESTASI EMAS BANK SYARIAH TERHADAP MINAT BERINVESTASI MAHASISWA UNIVERSITAS MUHAMMADIYAH LAMPUNG

Wed, 20 Mar 2024 00:00:00 +0000

Gold investment is one of the popular investments and is widely offered today, because the value of gold is stable and zero inflation, and the price of gold tends to increase. Islamic banks are one of the providers of gold investment programs with an installment system using the murabahah contract (buy and sell), but there are still many people including Generation Z who do not believe that gold investment in Islamic banks does not contain usury elements, so sales marketing who work in the sales sector must have good rhetoric so that the information can be conveyed and can be trusted. The purpose of this study is to determine how the rhetoric of sales marketing of Islamic bank gold investment affects the investment interest of students at the University of Muhammadiyah Lampung. The approach in this study is quantitative descriptive and verification, data is obtained through the distribution of questionnaires targeted at students at the University of Muhammadiyah Lampung who have received information about gold investment in Islamic banks, and to process the data the tool used is SPSS version. The results of this study indicate that there is an influence of 64.5% of the rhetoric variable (X) on the interest variable (Y), as well as the results of the t-test also state that the rhetoric variable has a simultaneous (significant) influence on the interest variable, and it can be concluded that Ha is accepted and H0 is rejected or there is an influence of the rhetoric variable (X) on the interest variable (Y), meaning that the rhetoric of sales marketing of Islamic bank gold investment is one of the things that influence the investment interest of students at the University of Muhammadiyah Lampung.

IMPLEMENTASI PEMBIAYAAN BTPN SYARIAH TERHADAP PERKEMBANGAN UMKM DI KRUI LAMPUNG

Henda Alpajar, Warsiyah, Noorikha Pandayahesti Saputeri, Eki Tiyas Nurulia — Thu, 20 Mar 2025 00:00:00 +0000

Micro, Small, and Medium Enterprises (MSMEs) have a strategic role in the Indonesian economy, especially in the Krui Lampung area. However, MSMEs often face capital constraints that hinder their development. BTPN Syariah is present as one of the Islamic financial institutions that focuses on financing the micro segment. This study aims to analyze the implementation of BTPN Syariah financing, measure its impact on the development of MSMEs, and identify obstacles and solutions in the implementation of financing in Krui Lampung. This study uses a descriptive qualitative method with data collection techniques through in-depth interviews, observations, and documentation. Research informant 3 officials of BTPN Syariah Krui. The data was analyzed using data reduction techniques, data presentation, and conclusion drawn. The results of the study show that the implementation of BTPN Syariah financing in Krui Lampung uses murabahah and wakalah contracts with a group system. This financing program has contributed positively to the development of MSMEs, marked by an increase in average business capital of 45%, turnover growth of 35%, and business expansion in 60% of financing customers. The main obstacles faced include limited service coverage, low understanding of sharia products, and the risk of default due to fluctuations in MSME income. The study concluded that BTPN Syariah financing plays an effective role in supporting the development of MSMEs in Krui Lampung, although there are still several challenges in its implementation. It is necessary to increase Islamic financial literacy, expand the range of services, and strengthen business assistance to optimize the impact of financing on the progress of MSMEs in the region

PENGARUH CAR DAN NPF GROSS TERHADAP ROA PADA BANK MEGA SYARIAH PERIODE 2015-2023

M Rizqi Pratama, Noorikha Pandayahesti Saputeri, Eki Tiyas Nurulia — Wed, 20 Mar 2024 00:00:00 +0000

This sturdy aims to analyzer ther erfferct of Capital Aderquracy Ratio and Non Perrforming Financer gross on Rerturrn On Assert at Bank Merga Syariah for ther perriod 2015-2023. Ther banking indurstry in Indonersia is growing overr timer, with increrasing purblic awarernerss of ther importancer of financial transactions with sharia principlers. Bank Merga Syariah is oner of ther banks that continurers to erxperrierncer growth. To asserss ther financial perrformancer of a bank, rerserarcherrs urser serverral indicators that can ber urserd as merdia to condurct rerserarch, inclurding bank financial rerports. This sturdy ursers a derscriptiver qurantitativer rerserarch merthod, namerly ther analysis of nurmerrical or nurmerric data by analyzing sercondary data obtainerd from ther annural financial rerports purblisherd by Bank Merga Syariah. with derscriptiver statistical terst data analysis terchniqurers, normality tersts, murlticollinerarity tersts, herterroscerdasticity tersts, aurtocorrerlation tersts, murltipler rergrerssion tersts, derterrmination tersts, simurltanerours tersts and partial tersts. Baserd on ther terst that has berern condurcterd, ther rerserarch rersurlts obtainerd, ther Capital Aderquracy Ratio variabler has a partial positiver erfferct on Rerturrn On Assert, ther Non Perrforming Financer Gross variabler has no erfferct on Rerturrn On Assert and ther Capital Aderquracy Ratio and Non Perrforming Financer Gross variablers haver a simurltanerours erfferct on Rerturrn On Assert and with ther rersurlts of ther derterrmination coerfficiernt terst showing 77.9% it can ber conclurderd that ther derperndernt variabler can ber erxplainerd togertherr by two inderperndernt variablers whiler ther otherr 22.1% is erxplainerd by otherr financial ratios ourtsider of this rerserarch moderl.

ISLAMIC ECONOMICS AS A SOLUTION TO THE NEW CURRENT OF INDONESIAN ECONOMICS (analytical study of the thoughts of Kyai Makruf Amin)

Edy Tristiyanto — Thu, 20 Mar 2025 00:00:00 +0000

The Islamic economic system is an independent economic system, therefore Islam encourages life as a whole and helps a person's life as an inseparable part of the life of society, whose individuals need each other and complement each other in the scheme of social order, because humans are both individual and collective entities. In accordance with its nature, Islamic economics is a system that can realize economic justice for all people. This study aims to understand and analyze: (1) Kyai Makruf Amin's thoughts on the Indonesian Economy (2) Kyai Makruf Amin's thoughts on Islamic economics in Indonesia (3) Kyai Makruf Amin's steps on his concepts and ideas about Islamic Law as a Solution for the new movement of the Indonesian economy. Therefore, the process of collecting research data is carried out by reading books, accredited scientific journals, literature, notes, and reports and other relevant sources related to the problem being studied. The data obtained are then recorded, studied, reviewed and analyzed. Data analysis is carried out by content analysis. The findings of the research show that: Kyai Ma'ruf Amin named his idea the New Current of Indonesian Economy. A conceptual idea that has also been equipped with program recommendations, so that it can be lightly labeled with the term Ma'rufnomics. Aiming to overcome inequality in order to realize a just people's economy, he is actually revitalizing the people's economy, so it is necessary to always emphasize his support in building a fair, equitable, and independent national economic system in overcoming economic disparities. According to Kyai Makruf, the four concepts regarding the new current of economy must be able to practice the 5th principle of Pancasila, namely social justice for all Indonesian people.

STRATEGI PEMASARAN PEDAGANG DI PASAR UMBUL KLUWIH DALAM PERSPEKTIF EKONOMI ISLAM

Eka Savitri, Ulil Albab, Heri Sutopo, Mawardi — Thu, 20 Mar 2025 00:00:00 +0000

This study aims to analyze online and offline sales marketing strategies applied in traditional markets, as well as evaluate the effectiveness of online marketing strategies in improving competitiveness amid the development of digital technology. Using a qualitative approach, this study was conducted in Pasar Umbul Kluwih, Pesawaran Regency, through the method of case studies, surveys, in-depth interviews, and Focus Group Discussions (FGD). The data collected is analyzed in a descriptive, comparative and qualitative way to provide a comprehensive overview of the marketing practices carried out by merchants. In addition, this study also examines the application of Islamic economic principles in marketing strategies, such as justice, honesty, and social welfare. The results showed that the combination of online and offline marketing strategies can increase the interaction between merchants and consumers, as well as make a positive contribution to sales. This study is expected to provide practical recommendations for traditional market traders in optimizing their marketing strategies, while maintaining values that are in accordance with Islamic economic principles

STRATEGI PEMASARAN FASHION HIJAB DI ERA GEN Z DALAM PERSEPEKTIF EKONOMI SYARIAH PADA TOKO VEE STORE

Mira Andini, Abizar, Ulil Albab, Mawardi — Thu, 20 Mar 2025 00:00:00 +0000

Media sosial adalah komponen utama yang mempengaruhi tren fashion hijab di kalangan generasi Z. Tujuan penelitian ini menganalisis dampak perkembangan media sosial terhadap pemasaran fashion hijab kepada generasi Z dan mengintegrasikan nilai-nilai Islam dalam strategi pemasaran. Penelitian ini menggunakan metode kualitatif deskriptif untuk memahami bagaimana pemasaran fashion hijab di era GenerasiZ. Pengumpulan data dilakukan melalui wawancara semi-terstruktur,di mana peneliti dapat menggali lebih jauh pandangan dan pengalaman subjek terkait dengan topik yang dibahas. Pemilik toko hijab menekankan bahwa nilai-nilai Islam seperti kejujuran,dan kesederhanaan menjadi landasan bisnis mereka. persaingan dalam industri fashion hijab sangat ketat. tantangan utama adalah bagaimana bersaing dengan brand hijab lain yang menawarkan produk serupa dengan harga lebih murah.e-commerce dan teknologi digital membuka peluang besar bagi bisnis mereka. Pemasaran fashion hijab di era Gen Z mengalami perkembangan yang pesat seiring dengan meningkatnya minat masyarakat terhadap gaya hidup Islami yang modern. Dalam perspektif Islam,fashion hijab bukan hanya sekedar trend mode, tetapi juga manifestasi dari identitas religius yang mencerminkan kepatuhan terhadap syariat.