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All Journal EQUILIBRIUM Jurnal Ilmiah Manajemen dan Bisnis (JIMB) Agregat: Jurnal Ekonomi dan Bisnis Al-Urban: Jurnal Ekonomi Syariah dan Filantropi Islam SYUKUR (Jurnal Inovasi Sosial dan Pengabdian Masyarakat) Abdimas Umtas : Jurnal Pengabdian kepada Masyarakat Iqtishoduna: Jurnal Ekonomi Islam Jurnal Manajerial International Journal of Trends in Accounting Research Jumat Pendidikan: Jurnal Pengabdian Masyarakat Journal Of Human And Education (JAHE) Equilibrium: Jurnal Ekonomi Syariah Bumi: Jurnal Hasil Kegiatan Sosialisasi Pengabdian Kepada Masyarakat IQTISHADUNA: Jurnal Ilmiah Ekonomi Kita
Ummu Salma Al Azizah
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Religion Agriculture, Biological Sciences & Forestry Arts Humanities Computer Science & IT Decision Sciences, Operations Research & Management Economics, Econometrics & Finance Education Industrial & Manufacturing Engineering Languange, Linguistic, Communication & Media Law, Crime, Criminology & Criminal Justice Public Health Social Sciences Other

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Pengaruh Financial Literacy, Lifestyle, dan Self-Control Terhadap Saving Behavior Generasi Z Jakarta Selatan Banowati, Aninda Tri; Al-Azizah, Ummu Salma; Amar, Faozan
Jurnal Manajerial Vol 11 No 01 (2024): Jurnal Manajerial
Publisher : Program Studi Manajemen Universitas Muhammadiyah Gresik

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.30587/jurnalmanajerial.v11i01.6300

Abstract

Background – Z Generation is a generation with digital native and multitasking characters who are surrounded by lifestyle trends and technological developments that are constantly changing rapidly, this makes the level of financial literacy and self-control low where saving behavior is necessary as an important aspect of financial life in order to achieve stability of finances and future preparation. Aim – The purpose of this study was to examine and analyze whether financial literacy, lifestyle, and self-control have an influence on the saving behavior of Z Generation South Jakarta. Design/ methodology/ approach – This research approach uses a quantitative approach by obtaining data from distributing questionnaires to 349 respondents which are then processed using data analysis techniques using the SEM (Structural Equation Modeling) model with SmartPLS software version 3.2.9 (Partial Least Square). Findings – Based on the results of the study proving that financial literacy has a significant positive effect on saving behavior, these results mean that the higher the financial literacy of Z Generation, the higher their saving behavior will be. Meanwhile, lifestyle and self-control do not have an influence on saving behavior, this can be interpreted that everyone has a different lifestyle and self-control, so whatever the lifestyle and self-control of Z Generation, it does not have an influence on the saving behavior of Generation Z, South Jakarta it can be caused by other factors. Conclusion - Gen Z's lifestyle does not have a significant influence on the savings decisions of individuals in Gen Z. Similar to Gen Z's self control which does not support saving behavior. Research implication – This research adds insight into the factors related to saving behavior, especially financial literacy, lifestyle, and self-control of the younger generation. It is necessary to highlight these factors for generation Z in South Jakarta to be able to care more about their finances which will grow and improve behavior in saving for a controlled and peaceful future. Limitations – In this research, the limitation is that the area only took four sub-districts in South Jakarta, including Cilandak sub-district, Jagakarsa sub-district, Kebayoran Lama sub-district, and Pasar Minggu sub-district. In addition, the population and sample focus on Z Generation with the age chosen as a sample of 16-26 years, where future researchers are expected to use a wider number of sub-districts or research in one area and choose a variety of ages to provide even better results and able to provide more extensive information.
The Determinants of SMEs Intention to Adopt Sharia Crowdfunding for Financing Solutions Alvina, Chintia; Sumardi, Sumardi; Al Azizah, Ummu Salma
EQUILIBRIUM Vol 12, No 1 (2024): EQUILIBRIUM
Publisher : Prodi Ekonomi Syariah Pascasarjana IAIN Kudus

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.21043/equilibrium.v12i1.26125

Abstract

This study aims to identify the variables that influence SMEs' decisions to use sharia crowdfunding in Indonesia as a source of funding. This research focuses on SMEs in Indonesia, which are rarely investigated in the existing literature on sharia crowdfunding. In addition, this study applies the technology acceptance model (TAM), which has not been widely used to identify factors that encourage the adoption of sharia crowdfunding. This study also employs non-probability sampling techniques in conjunction with a quantitative methodology. The data in this study were obtained through a questionnaire survey of 293 respondents obtained from SME owners and managers. The data analysis was conducted using PLS-SEM, while data processing was executed using SmartPLS 3.0. This research assists the government in designing programs and policies to encourage the expansion of SMEs in Indonesia through funding solutions with sharia crowdfunding. Therefore, SMEs have no difficulty in securing funding for their business.
Peningkatan Literasi Keuangan Islam Global Di CLSU Filipina Zulpahmi Zulpahmi; Ummu Salma Al Azizah; Meita Larasati; Tohirin Tohirin 
Bumi : Jurnal Hasil Kegiatan Sosialisasi Pengabdian kepada Masyarakat Vol. 2 No. 1 (2024): Bumi: Jurnal Hasil Kegiatan Sosialisasi Pengabdian kepada Masyarakat
Publisher : Asosiasi Riset Teknik Elektro dan Informatika Indonesia

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.61132/bumi.v2i1.32

Abstract

This community service is carried out to the community and students in the Philippines about understanding about Islamic finance. Service activities are carried out face-to-face with lecture and discussion methods. Where between lecturers of the Faculty of Economics and Business and service partners directly meet in the same place. This activity will take place from July 4, 2023 to July 7, 2023 at Luzon State University, Philippines. Participants in this activity amounted to 40 people from students and the general public. This service activity generates awareness in global development, a deeper understanding of Islamic finance, inter-sector collaboration, participatory community empowerment, and the potential for positive change.
Determinan Struktur Modal Pada Perusahaan Yang Terdaftar Di Jakarta Islamic Index Yogi Saputra; Ummu Salma Al-Azizah; Yadi Nurhayadi
IQTISHADUNA: Jurnal Ilmiah Ekonomi Kita Vol 10 No 2 (2021): IQTISHADUNA: Jurnal Ilmiah Ekonomi Kita - December
Publisher : LPPM ISNJ Bengkalis

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.46367/iqtishaduna.v10i2.419

Abstract

This study aimed to analyze the factors that influence the capital structure of companies listed on the Jakarta Islamic Index (JII). These factors consist of company size, return on assets (ROA), return on equity (ROE), inflation, and growth in the gross domestic product (GDP). This research is quantitative research with a purposive sampling method and obtained a sample of 9 companies. The data used is secondary data in financial reports on companies registered with JII in 2015-2019. Data analysis using the multiple linear regression method. The results showed that ROA had a significant adverse effect on the capital structure, ROE has a significant positive effect on the capital structure, firm size does not affect the capital structure, inflation does not affect the capital structure, GDP growth does not affect the capital structure. Simultaneously, firm size, ROA, ROE, inflation, and GDP growth significantly affect the capital structure.
Assistance Of Understanding Financial Technology (Fintech) In Easy Financial Access to Msme PWM DKI Jakarta Al Azizah, Ummu Salma; Rohaeti, Eti
ABDIMAS: Jurnal Pengabdian Masyarakat Vol. 5 No. 1 (2022): ABDIMAS UMTAS: Jurnal Pengabdian Kepada Masyarakat
Publisher : LPPM Universitas Muhammadiyah Tasikmalaya

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.35568/q8y7kq43

Abstract

This seminar and training is intended to provide an understanding of the benefits of financial technology in helping people to access finance globally. By providing an understanding of the benefits and functions of existing financial technology, individuals or business actors can manage well and completely planned. It will be easy to plan cash flow that occurs in business units and for future purposes. With the seminar approach given directly to the community, it is expected that there will be discussions and direct questions and questions about the impact of financial technology in human life in general, and financial goals in particular. As a result of the provision of seminars and also training on financial technology, people feel more ability to access financial technology and can implement their financial planning by using financial technology.
Co-Authors Alvina, Chintia amar, faozan Angga Eko Prasetio Banowati, Aninda Tri Bella Jastacia Darra Dinanti Firmansyah Daulay, Yusdi Eti Rohaeti Eti Rohaeti Faizal Ridwan Zamzany Galuh Azizah Ramadhanty Hasibuan, Anni Aisyah Krisnanto, Naufal Leni Marlena Meita Larasati MIRA AFRIANI Muhamad Tri Saputro Putro Mulyaning Wulan Mulyaning Wulan Wulan Naufal Krisnanto Nawal Belindawati Nur Hadiyazid Rachman REZA PAHLEVI Rindah Aisyah Rito Rito Rito Rito Rito, Rito Rizka Utami Purwaningsih Sumardi . Tohirin Tohirin  Wahidin Wahidin Wulan, Mulyaning Wulan, Mulyaning Wulan Yadi Nurhayadi Yadi Nurhayadi Yadi Nurhayadi Yadi Nurhayadi, Yadi Yogi Saputra Yusdi Daulay Yusdi Daulay Zulpahmi Zulpahmi Zulpahmi, Zulpahmi