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Determinants of Understanding Generation Z Financial Literacy in the Vocational School Students of Kahayan Hilir alfina rahmatia; Siti Rahmah; Muslimah Muslimah; Aliya Khairunnisa
At-Tarbiyat Vol 4 No 2 (2021): Islamic Education In Indonesia
Publisher : Sekolah Tinggi Agama Islam An-Nawawi Purworejo

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.37758/jat.v4i2.298

This study aims to analyze the factors that influence financial literacy; gender, parents' income, parents' educational background, vocational school majors, and desire to continue the study. The data uses primary data with a quantitative method in which data is taken from questionnaires. The data analysis uses descriptive analysis from the data processing using Binary Logistic Regression with SPSS application software. The result reveals that gender has a significant influence on the understanding of Generation Z on financial literacy for students in Kahayan Hilir 1 Vocational School, while parents' income, parents' educational background, vocational school (SMK) majors, and desire to continue study do not have a significant influence to the understanding of Generation Z on financial literacy for students in Kahayan Hilir 1 Vocational School

Praktik Bisnis Online: Studi Tentang Perspektif Etika Bisnis Islami di Indonesia Arief Dwi Saputra; Alfina Rahmatia; Sri Handari Wahyuningsih; Andi Azhar
Jurnal Penelitian Volume 19 Nomor 1 2022
Publisher : IAIN Pekalongan

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.28918/jupe.v19i1.4614

Islamic business ethics is the implementation of the basic principles of Islamic-based business, which the Al-Qur'an and As-Sunnah guide. This study will explain online business practices in Indonesia by observing an Islamic perspective. This study uses a qualitative strategy by investigating Islamic business ethics in online business practices in Indonesia through information and document data collection in the form of reputable online media news. Data were analyzed and managed using Nvivo plus 12; then, conclusions were drawn. The aim of this study is achieved by finding that there are still many ethical violations in online business practices from a religious perspective. The findings also reveal that Islamic values are rarely used in business implementation because some violations occur not based on the intention of worship and are not based on Islamic principles such as At-Tauhid, Al-Amanah, As-Sidq, Al-Adalah, At-Ta'awun, Al-Maslahah, At-Taradi, and Al-Akhlaq Al-Karimah. This also proves that online business practices are still oriented to worldly aspects. The implication of the results of this study explains that doing business activities from an Islamic perspective contains principles that comprehensively govern ethics. So that the purpose of doing business is not solely for the interests of worldly welfare but the welfare of the ukhrawi in the pleasure of Allah SWT, and the benchmarks are al-Qur'an and al-Hadith

Islamic Financial Literacy: Evidence From Indonesian Urban Middle-Class Women Alfina Rahmatia; Andy Putra Wijaya; Arief Dwi Saputra; Muhammad Imam Ma’ruf
Journal of Islamic Economic Laws Vol 5, No 2: July 2022
Publisher : Muhammadiyah University Press

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.23917/jisel.v5i2.18467

Issues related to Islamic financial literacy are always interesting to study, mainly because financial literacy has a close relationship with inclusive finance, including women's intelligence which is often questioned in terms of financial literacy. As if only women are the only gender whose abilities and intelligence are always questioned. The paradigm of women is being left behind as if it has been ingrained in some Indonesians. This study uses an explanatory sequential mixed method, in which qualitative data is taken from the study literature, then analyzed using the Nvivo 12 application. Quantitative data is taken from a questionnaire, then analyzed using the SPSS application. The result from qualitative data analysis would explain more the findings. This study proves that gender does not affect financial literacy, it can be said that women in Indonesia urban middle-class are not left behind. Everyone has the same rights in learning about Islamic financial literacy.

How personal factors grow students' interest in entrepreneurship Arief Dwi Saputra; Alfina Rahmatia; Muslimah Muslimah
Jurnal Manajemen dan Pemasaran Jasa Vol. 14 No. 1 (2021): MARET
Publisher : Lembaga Penerbit Fakultas Ekonomi dan Bisnis

This study investigates how personal factors can influence entrepreneurship's interest in terms of cognitive variables with indicators of skills and knowledge, affective variables with indicators of attitude and value, and conative variables with indicators of behavior and experience. This study uses a quantitative strategy through a sample of 338 informants. The root of the problem is reviewed from the literature review and strengthened by data collection from the online interview process. Based on these results, personal factors through related variables and indicators can be used as a research agenda to answer corporate contributions problems that offer answers related to reasons for entrepreneurship. The implication is aimed as a strategy to foster student interest in entrepreneurship by showing a close relationship that is mutually supportive and relevant from contributing to each variable related to personal factors. This study also provides a scientific contribution in the form of knowledge about an entrepreneurial interest created from personal factors.

Praktik Bisnis Online: Studi Tentang Perspektif Etika Bisnis Islami di Indonesia Arief Dwi Saputra; Alfina Rahmatia; Sri Handari Wahyuningsih; Andi Azhar
Jurnal Penelitian Volume 19 Nomor 1 2022
Publisher : LPPM UIN K.H. Abdurrahman Wahid Pekalongan

Islamic business ethics is the implementation of the basic principles of Islamic-based business, which the Al-Qur'an and As-Sunnah guide. This study will explain online business practices in Indonesia by observing an Islamic perspective. This study uses a qualitative strategy by investigating Islamic business ethics in online business practices in Indonesia through information and document data collection in the form of reputable online media news. Data were analyzed and managed using Nvivo plus 12; then, conclusions were drawn. The aim of this study is achieved by finding that there are still many ethical violations in online business practices from a religious perspective. The findings also reveal that Islamic values are rarely used in business implementation because some violations occur not based on the intention of worship and are not based on Islamic principles such as At-Tauhid, Al-Amanah, As-Sidq, Al-Adalah, At-Ta'awun, Al-Maslahah, At-Taradi, and Al-Akhlaq Al-Karimah. This also proves that online business practices are still oriented to worldly aspects. The implication of the results of this study explains that doing business activities from an Islamic perspective contains principles that comprehensively govern ethics. So that the purpose of doing business is not solely for the interests of worldly welfare but the welfare of the ukhrawi in the pleasure of Allah SWT, and the benchmarks are al-Qur'an and al-Hadith

Islamic Financial Literacy Index of Students: Bridging SDGs of Islamic Finance Saputra, Arief Dwi; Rahmatia, Alfina
Economics and Finance in Indonesia Vol. 67, No. 1
Publisher : UI Scholars Hub

Show Abstract | Download Original | Original Source | Check in Google Scholar

This research aims to measure the level of Islamic financial literacy among students by reviewing 2 dimensions, 8 variables, and 33 indicators obtained from literature studies and experts. This study applied mix method to qualitative and quantitative data with a total sample of 273 respondents. The data were obtained from interview and online FGD and then processed by word similarity analysis as well as validity and reliability tests, the results of which are used as reference and conclusion. The analysis shows that the level of understanding of financial literacy among students remains significantly low, proven by the value of the interpretation of respondents reaching below 40% despite valid and reliable variables and indicators. Meanwhile, the analysis of the relationship between each variable that consists of supporting indicators shows that each variable affects one another. This study generates a financial literacy index serving as a measuring tool in bridging the SDGs of Islamic Finance. It implies the necessity of increasing the understanding of Islamic finance with the concept of literacy for students as an agenda to achieve a demographic bonus.

Online Business Practices: A Study of Islamic Business Ethics Perspective in Indonesia Saputra, Arief Dwi; Rahmatia, Alfina; Wahyuningsih, Sri Handari; Azhar, Andi
JURNAL PENELITIAN Vol. 19 No. 1 (2022)
Publisher : Universitas Islam Negeri K.H. Abdurrahman Wahid Pekalongan

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.28918/jupe.v19i1.4614

Islamic business ethics is the implementation of the basic principles of Islamic-based business, which the Al-Qur'an and As-Sunnah guide. This study will explain online business practices in Indonesia by observing an Islamic perspective. This study uses a qualitative strategy by investigating Islamic business ethics in online business practices in Indonesia through information and document data collection in the form of reputable online media news. Data were analyzed and managed using Nvivo plus 12; then, conclusions were drawn. The aim of this study is achieved by finding that there are still many ethical violations in online business practices from a religious perspective. The findings also reveal that Islamic values are rarely used in business implementation because some violations occur not based on the intention of worship and are not based on Islamic principles such as At-Tauhid, Al-Amanah, As-Sidq, Al-Adalah, At-Ta'awun, Al-Maslahah, At-Taradi, and Al-Akhlaq Al-Karimah. This also proves that online business practices are still oriented to worldly aspects. The implication of the results of this study explains that doing business activities from an Islamic perspective contains principles that comprehensively govern ethics. So that the purpose of doing business is not solely for the interests of worldly welfare, but for the welfare of the ukhrawi in the pleasure of Allah SWT, and the benchmarks are al-Qur'an and al-Hadith.

Financial Services Authority Regulation (POJK) Relevance Based on Sharia Principles by Financial Service Business Actors (PUJK) to Consumers Protection Saputra, Arief Dwi; Rahmatia, Alfina; Muslimah, Muslimah; Arliansyah, Arliansyah
Borneo International Journal of Islamic Studies Vol 6 No 1 (2024): Borneo International Journal of Islamic Studies, Vol. 6(1), May 2024
Publisher : Universitas Islam Negeri Sultan Aji Muhammad Idris Samarinda

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.21093/bijis.v6i1.4706

The determination of the interrelated relationship regarding POJK from the PUJK can be reviewed through its role to consumers. This study uses a systematic review of the alternative literature on a theoretical basis, antecedents, measurements review, and relevance analysis results. This research data use secondary data taken from reputable journals. Furthermore, the data is processed using the Nvivo plus 12 application through a coding similarity analysis and then drawn conclusions as a reference. The results of the study illustrate that there is a relevant relationship between POJK and sharia principles by paying attention to the relationship factors of variables and outcomes from PUJK to consumers. Theoretical contributions through originality and an agenda for future research will be developed. The policy implication of this study is to maintain and improve understanding of Islamic financial literacy through POJK based on sharia principles. The limitations of this study reveal that the relevance of the relationship between PUJK and consumers affects the results at various levels of analysis.

Exploring Cryptocurrency Perceptions and Its Global Conflict Resolution Concepts: Sentiment and Discourse Analysis Rahmatia, Alfina; Dwi Saputra, Arief
Publication of the International Journal and Academic Research Vol. 2 No. 1 (2025)
Publisher : Indonesian Student Association Study Center in Türkiye

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.63222/pijar.v2i1.27

The intersection of cryptocurrency and international conflict resolution is a growing area of study, with many pressing questions about public conceptions and the constituent discourses of cryptocurrency in the context of global conflict. This paper will examine these perceptions using both sentiment and discourse analysis. Sentiment analysis uses R Studio on social media data, specifically Twitter, classifying public sentiment towards cryptocurrency, particularly Bitcoin, into three categories: positive, negative, and neutral. Meanwhile, parallel discourse analysis uses NVivo to examine the regular use of terms in research articles about cryptocurrency and its potential impact on conflict resolution. The qualitative review provides a deeper insight into the concepts that prompt public debate. The diversity of opinions will come forth in this research, as sentiment analysis will show the dominance of both positive and negative views. At the same time, discourse analysis will highlight the common themes of financial independence, regulatory barriers, and the ethical implications of using cryptocurrency in conflict situations. While some view cryptocurrencies as empowering more significant numbers of people and allowing the silenced to be heard, free from the constraints of mainstream institutions, others rise to point out the concerns of the volatile prices, potential for abuse, and lack of regulation to prevent abuse from taking place with these assets. This work adds to the increasing awareness related to how cryptocurrencies are seen to address international conflicts.

How far are the benefits of the Islamic Philanthropy and Social Entrepreneurship movement? Dwi Saputra, Arief; Rahmatia, Alfina; Muslimah, Muslimah
El-Qish: Journal of Islamic Economics Vol. 1 No. 1 (2021): El-Qish: Journal of Islamic Economics
Publisher : LPPM Universitas Terbuka

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.33830/elqish.v1i1.1673.2021

Islamic philanthropy and social entrepreneurship have created solutions in addressing the problems that occur for maximizing economic, social, and religious activity. In this study review, Islamic philanthropy links the elements of zakat, infaq, sadaqah, and waqf in terms of social entrepreneurship with elements of social value, civil society, innovation, and economic activity. The data was obtained using literature studies and interviews on Lazismu Bengkulu as an Islamic philanthropic movement and CV. Presidium on the social entrepreneurship movement. Then, data were processed using Nvivo and drawn conclusions through word similarity analysis. Findings. The synergy between employers and society plays a role in addressing problems against poverty alleviation, wealth equality, community welfare, creating social benefits, optimizing social capital, innovation in problem-solving efforts, building a balance between social activities and business activities. Integration of these two movements explains the dominant increase compared to the decline by presenting an impact on production, consumption, investment, economic growth, and economic stability. In the analysis of word similarity, efforts of synergy and integration concluded that both movements could be implemented in practice because they support each other and have close links to achieve goals and increase the dominant impact of social, economic, and religious activities.

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