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PENGARUH SELF CONTROL DAN FINANCIAL ATTITUDE TERHADAP FINANCIAL MANAGEMENT BEHAVIOR PENGGUNA LAYANAN BUY NOW PAY LATER DALAM PERSPEKTIF BISNIS ISLAM Winata, Andika Fitra adi; Zuliansyah, Ahmad; Ermawati, liya
KOMPLEKSITAS: JURNAL ILMIAH MANAJEMEN, ORGANISASI DAN BISNIS Vol 14, No 1 (2025): KOMPLEKSITAS EDISI JUNI 2025
Publisher : ITB Swadharma

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.56486/kompleksitas.vol14no1.779

This study aims to analyze the influence of self-control and financial attitude on financial management behavior, both partially and simultaneously, and how the role of self-control and financial attitude in the perspective of Islamic business. This study uses a quantitative approach method with a descriptive research type. The primary data used was gathered by distributing questionnaires online via Google Forms. The population used in this study were all students studying in Bandar Lampung City. A sample of 100 respondents was obtained using the Non-Probability Sampling formula from Purposive Sampling with the Slovin technique. The results of this study indicate that Self-Control has a significant effect on Financial Management Behavior. Financial attitude also has a significant effect on financial management behavior. Finally, self-control and financial attitude simultaneously significantly affect financial management behavior. From the perspective of Islamic business, this study emphasizes the importance of Self-Control and Financial Attitude in the context of maqashid sharia, especially in maintaining wealth (hifdzul maal). Good Self-Control helps individuals avoid israf (waste) and tabdzir (waste) behavior, as explained in Q.S. Al-Isra: 26-27.Tujuan penelitian ini adalah untuk menganlisis pengaruh self-control dan financial attitude terhadap financial management behavior baik secara parsial maupun simultan, serta bagaimana peran self control dan financial attitude dalam perspektif bisnis Islam. Penelitian ini menggunakan metode pendekatan kuantitatif yang berjenis penelitian deskriptif. Data yang digunakan adalah data primer dengan menyebarkan kuesioner secara online melalui google form. Populasi yang digunakan dalam penelitian ini adalah seluruh mahasiswa yang berkuliah di Kota Bandar Lampung. Sampel sebanyak 100 responden didapatkan dengan menggunakan rumus Non Probability Sampling yang diambil dengan cara Purposive Sampling dengan teknik Slovin. Hasil penelitian ini menunjukkan Self Control berpengaruh signifikan terhadap Financial Management Behavior. Kemudian Financial Attitude juga berpengaruh signifikan terhadap Financial Management Behavior. Lalu yang terakhir Self Control dan Financial Attitude secara simultan berpengaruh signifikan terhadap Financial Management Behavior. Dari perspektif bisnis Islam, penelitian ini menegaskan pentingnya Self Control dan Financial Attitude dalam konteks maqashid syariah, khususnya dalam menjaga harta (hifdzul maal). Self Control yang baik membantu individu menghindari perilaku israf (pemborosan) dan tabdzir (penghamburan harta), sebagaimana dijelaskan dalam Q.S. Al-Isra: 26-27.

Pengaruh Biological Asset Intensity, Cash Holding, Dan Leverage Terhadap Biological Asset Disclosure: Studi pada Perusahaan Agrikultur yang Terdaftar Di Indeks Saham Syariah Indonesia (ISSI) Periode 2017-2023 Andriansyah, Rizki; Nurlaili; Ermawati, Liya
Indonesian Journal of Islamic Economics and Business Vol. 10 No. 1 (2025): Indonesian Journal of Islamic Economics and Business
Publisher : Fakultas Ekonomi dan Bisnis Islam UIN STS Jambi

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.30631/ca451t95

The Central Bureau of Statistics (BPS) notes that the agricultural sector has consistently contributed more than 10% to Indonesia's Gross Domestic Product (GDP) in the past decade, with the figure reaching around 12.53% in 2023. Biological assets are plants and animals owned by companies as a result of past activities and have the potential to provide economic benefits in the future. This study aims to analyse the effect of Biological Asset Intensity, Cash Holding, and Leverage on Biological Asset Disclosure. The population of this study are agricultural companies listed on ISSI in the 2017-2023 period. The sample in this study used purposive sampling, so that a total sample of 8 companies from 10 observation data was obtained. This study uses the classical assumption test and multiple linear regression analysis (MRL). The results in this study indicate that Biological Asset Intensity with a significant value of 0.047 and Leverage with a significant value of 0.004 has a positive and significant effect on Biological Asset Disclosure. While Cash Holding has a negative and insignificant effect on Biological Asset Disclosure with a significant value of 0.294. Simultaneously Biological Asset Intensity, Cash Holding, and Leverage have a positive and significant effect on Biological Asset Disclosure with a significance value of 0.000.

Pengaruh Komisaris Independen dan Dewan Pengawas Syariah Terhadap Manajemen Laba Pada Bank Umum Syariah Di Indonesia Ermawati, Liya; Anggraini, Nia
Al-Mal: Jurnal Akuntansi dan Keuangan Islam Vol. 1 No. 1 (2020): Juni 2020
Publisher : Universitas Islam Negeri Raden Intan Lampung

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.24042/al-mal.v1i1.5319

Penelitian ini bertujuan untuk menguji bagaimana pengaruh komisaris independen dan dewan pengawas syariah terhadap manajemen laba pada bank umum syariah di Indonesia. Dalam penelitian ini menggunakan metode pendekatan penelitian secara kuantitatif. Data yang dikumpulkan untuk penelitian ini adalah data sekunder yaitu data yang bersumber dari catatan yang ada pada perusahaan dan dari sumber lainnya. Alat olah data yang digunakan untuk menguji data sampel penelitian yaitu SPSS 25 sebagai alat bantu untuk menganalisis data. Hasil penelitian menunjukan bahwa Komisaris independen yang diukur dengan membandingkan jumlah komisaris independen terhadap jumlah total dewan komisaris terbukti berpengaruh negatif dan signifikan terhadap manajemen laba. Dewan pengawas syariah yang diukur dengan jumlah rapat dewan pengawas syariah berpengaruh positif dan tidak signifikan terhadap manajemen laba. Keterbatasan pada penelitian ini yaitu dari penggunaan variabel yang bisa mempengaruhi manajemen laba, terdiri dari variabel Dewan Komisaris Indpenden dan Dewan Pengawas Syariah sehingga dapat memberikan peluang bagi peneliti lainnya untuk melakukan penelitian yang sama dengan menambahkan variabel yang lainnya. Impilkasi Dewan komisaris independen dalam penelitian ini terbukti mampu mengurangi manajemen laba, maka diharapkan untuk mempertahankan agar dapat membatasi praktek manajemen laba dan semakin banyak jumlah rapat Dewan pengawas syariah maka akan semakin tinggi praktek manajemen laba.

Analisis Pengaruh Budaya Kerja dan Tingkat Pendidikan terhadap Tingkat Kesejahteraan Masyarakat Perspektif Ekonomi Islam Hanif, Hanif; Ermawati, Liya; Puspita, Dian
Salam (Islamic Economics Journal) Vol. 1 No. 1 (2020): June 2020
Publisher : Universitas Islam Negeri Raden Intan Lampung

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.24042/slm.v1i1.7024

Kesejahteraaan masyarakat pada suatu wilayah merupakan suatu yang diraih oleh masyarakat yang diperoleh dari berbagai upaya, termasuk upaya dan kegiatan aktivitas ekonomi. Budaya kerja yang baik meupakan proses dalam mendapatkan hasil- hasil kerja yang berkualitas baik jugaس. Sehingga budaya kerja yang baik akan sangat berpengaruh dengan kondisi perekonomian suatu wilayah. Seperti tingkat kemiskinan masyarakat perkembangan kondisi kemiskinan disuatu wilayah secara ekonomis merupakan salah satu indikator untuk melihat perkembangan tingkat kesejahteraan dalam masyarakat. Rumusan masalah dalam penelitian in adalah (1) bagaimana budaya kerja berpengaruh terhadap tingkat kesejahteraan masyarakat? (2) bagaimana tingkat pendidikan berpengaruh terhadap tingkat kesejahteraan masyarakat? (3) bagaimana menurut pandangan ekonomi islam tentang budaya kerja, tingkat pendidikan, terhadap tingkat kesejahteraan masyarakat? Tujuan penelitian ini adalah Untuk mengetahui bagaimana budaya kerja berpengaruh terhadap tingkat kesejahteraan masyarakat, untuk mengetahui bagaiamana tingkat pendidikan berpengaruh terhadap tingkat kesejahteraan masyarakat di desa pujirahayu dan Untuk mengetahui bagaimana menurut pandangan ekonomi islam tentang budaya kerja, tingkat pendidikan, terhadap tingkat kesejahteraan masyarakat. Penelitian ini digolongkan kedalam penelitian lapangan (field research), data primer diperoleh dari kuesioner sedangkan data sekunder dari dokumentasi. Populasi penelitian ini yaitu seluruh kepala keluarga di desa pujirahayu sebanyak 460 kepala keluarga. sedangkan sampel penulis mengambil 10% dari jumlah populasi. Metode analisis dalam penelitian ini adalah metode kuantitatif data di peroleh dengan menyebar kuisioner langsung kepada 46 kepala keluarga di desa pujirahayu. Hasil penelitian ini adalah pengaruh secara parsial diketahui bahwa budaya kerja (X1), tingkat Pendidikan (X2) berpengaruh secara positif terhadap tingkat kesejahteraan masyarakat (Y). Hasil pengujian koefisien determinasi (R2) dibuktikan bahwa tingkat kesejahteraan masyarakat di pengaruhi 60,1 % oleh variabel budaya kerja, tingkat pendidikan sedangkan sisanya 39,9 % dipengaruhi faktor lain yang tidak di teliti dalam penelitian ini. Dalam perspektif ekonomi islam nilai- nilai budaya kerja dan tingkat pendidikan di Desa Pujirahayu mampu meningkatkan tingkat kesejahteraan masyarakat.

PENGARUH LITERASI KEUANGAN, OVERCONFIDENCE, LOSS AVERSION DAN HERDING BIAS TERHADAP KEPUTUSAN INVESTASI DI INDEKS SAHAM SYARIAH INDONESIA DALAM PERSPEKTIF BISNIS ISLAM Mujianah, Siti; Anita, Siska Yuli; Ermawati, Liya
Jurnal Ilmiah Manajemen, Ekonomi, & Akuntansi (MEA) Vol 9 No 2 (2025): Edisi Mei - Agustus 2025
Publisher : LPPM STIE Muhammadiah Bandung

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.31955/mea.v9i2.5676

Generasi Z kerap menunjukkan perilaku rasional maupun irasional dalam pengambilan keputusan investasi, seperti berdasarkan tingkat literasi keuangan, kepercayaan diri berlebih, kecenderungan menghindari kerugian, serta mengikuti keputusan investor lain. Penelitian ini bertujuan untuk mengetahui pengaruh literasi keuangan, overconfidence, loss aversion, dan herding bias terhadap keputusan investasi di Indeks Saham Syariah Indonesia dalam perspektif bisnis islam (pada Generasi Z di Bandar Lampung). Menggunakan pendekatan kuantitatif dan metode analisis PLS-SEM melalui SmartPLS 4.0. Populasi penelitian ini yaitu Generasi Z di Bandar Lampung dengan melibatkan 97 responden berusia 17–27 tahun yang berinvestasi di Indeks Saham Syariah Indonesia. Hasil uji parsial menunjukkan bahwa literasi keuangan, overconfidence, dan loss aversion berpengaruh positif dan signifikan terhadap keputusan investasi, sedangkan herding bias berpengaruh positif dan tidak signifikan terhadap keputusan investasi. Secara simultan literasi keuangan, overconfidence, loss aversion, dan herding bias berpengaruh signifikan terhadap keputusan investasi. Dari perspektif bisnis Islam, investasi pada Indeks Saham Syariah Indonesia mencerminkan prinsip syariah, seperti transparansi dan keadilan, melalui keterbukaan informasi, seleksi saham yang menghindari riba, gharar, dan praktik tidak adil.

THE EFFECT OF ENVIRONMENTAL BUDGETS AND TRANSPORTATION ON CARBON DIOXIDE EMISSIONS IN INDONESIA FROM AN ISLAMIC ECONOMIC PERSPECTIVE, 2004-2023 Apersyah, Denara; Fuadi, Fatih; Ermawati, Liya
Ad-Deenar: Jurnal Ekonomi dan Bisnis Islam Vol. 9 No. 02 (2025): Ad-Deenar: Jurnal Ekonomi dan Bisnis Islam
Publisher : Sekolah Tinggi Agama Islam Al Hidayah Bogor

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.30868/ad.v9i02.8914

Global warming, caused by the increase of greenhouse gases (GHGs) in the atmosphere, is one of the most pressing issues of the 21st century. Carbon dioxide (CO2) emissions, one of the main sources of greenhouse gases, are increasing annually. Transportation and environmental budgets are two of the many factors that influence the quantity of carbon dioxide emissions. This study aims to investigate the relationship between carbon dioxide emissions and transportation and environmental budgets. Multiple linear regression analysis is the quantitative tool used in this investigation. The population studied includes Indonesia and covers 20 years, from 2004 to 2023. The results of the analysis indicate that while motorized traffic in particular contributes significantly to the increase in carbon dioxide emissions in Indonesia, environmental budgets have no discernible impact on these emissions. This study is expected to be useful for various stakeholders, including the general public, scientists, and the government as policymakers.

The Influence of Influencer Marketing, Video Content, and Social Media Interaction on Generation Z's Buying Interest in Online Fashion Products Sabilla, Annis Yuniar; Fuadi, Fatih; Ermawati, Liya
Majapahit Journal of Islamic Finance and Management Vol. 5 No. 4 (2025): Islamic Finance and Management
Publisher : Universitas KH. Abdul Chalim Mojokerto

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.31538/mjifm.v5i4.536

This study used a quantitative approach to determine the influence of influencer marketing, video content, and social media interactions on Generation Z's purchasing interests. Data collected through questionnaires were used as a source of research. The study involved Generation Z. Probability sampling was used for sampling, the sample size was calculated by lemeshow formula for 100 respondents, and PLS (Partical Least Square) was used to analyze the data. PLS is a structural equation modeling (SEM) model that uses an approach based on variance or component based structural equation modeling. SmartPls 4 produces data processing results. This study shows that marketing influence factors have a positive but not significant effect on Gen Z's interest in buying fashion items online. There is a positive and significant influence of video content and social media interaction variables on Gen Z's interest in buying fashion products via the internet.

The Influence of Influencer Marketing, Video Content, and Social Media Interaction on Generation Z's Buying Interest in Online Fashion Products Sabilla, Annis Yuniar; Fuadi, Fatih; Ermawati, Liya
Majapahit Journal of Islamic Finance and Management Vol. 5 No. 4 (2025): Islamic Finance and Management
Publisher : Universitas KH. Abdul Chalim Mojokerto

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.31538/mjifm.v5i4.536

This study used a quantitative approach to determine the influence of influencer marketing, video content, and social media interactions on Generation Z's purchasing interests. Data collected through questionnaires were used as a source of research. The study involved Generation Z. Probability sampling was used for sampling, the sample size was calculated by lemeshow formula for 100 respondents, and PLS (Partical Least Square) was used to analyze the data. PLS is a structural equation modeling (SEM) model that uses an approach based on variance or component based structural equation modeling. SmartPls 4 produces data processing results. This study shows that marketing influence factors have a positive but not significant effect on Gen Z's interest in buying fashion items online. There is a positive and significant influence of video content and social media interaction variables on Gen Z's interest in buying fashion products via the internet.

The Influence of Management Control Systems on Employee Performance from an Islamic Perspective Aprilia, Helda; Hanif, Hanif; Ermawati, Liya; Pramasha, Raizky Rienaldy
Al-Kharaj: Journal of Islamic Economic and Business Vol. 6 No. 1 (2024): All articles in this issue include authors from 5 countries of origin (Indonesi
Publisher : LP2M IAIN Palopo

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.24256/kharaj.v6i1.4970

The management control system is important to support the optimal performance of a company. This is because the management control system plays a role in controlling individual behavior in the company. There are several factors that influence the management control system, namely external and internal factors. The research method used in this research is quantitative research with the research object being 33 employees of PT United Tractors Tbk Lampung branch. The type of data used is primary data obtained from distributing questionnaires to 28 research samples using purposive sampling technique. The data analysis used is simple linear regression analysis using the SPSS 25 program. The research results show that the management control system has a positive and significant effect on employee performance. Whereas in the Islamic perspective, it encourages a person to pay attention to what he is doing as stated in surah Al-Hasyr verse 18.

Pengaruh Populasi, Upah Minimum, dan Human Capital Terhadap Pengangguran Terbuka di Provinsi Lampung: Perspektif Ekonomi Islam Safitri, Adelia; Fuadi, Fatih; Ermawati, Liya
Ekonomi, Keuangan, Investasi dan Syariah (EKUITAS) Vol 7 No 1 (2025): August 2025
Publisher : Forum Kerjasama Pendidikan Tinggi (FKPT)

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.47065/ekuitas.v7i1.7977

This study aims to analyze the influence of population, provincial minimum wage, and human capital on the open unemployment rate in Lampung Province in 2018-2024 from an Islamic economic perspective. The data used are panel data sourced from the Central Statistics Agency (BPS), and analyzed using a quantitative approach with the Fixed Effect Model (FEM) method through EViews 10 software. Based on the results of the t-test in this study, it shows that partially the population has a negative and significant effect on the open unemployment rate in Lampung Province, with a coefficient value of -0.057919 and a probability of 0.0011 (< 0.05). The provincial minimum wage also has a negative and significant effect on the open unemployment rate in Lampung Province, with a coefficient value of -3.121572 and a probability of 0.0032 (< 0.05). Meanwhile, human capital as measured by the human development index does not have a significant effect on the open unemployment rate in Lampung Province with a coefficient of 3.972250 and a probability of 0.3727 (> 0.05). Simultaneously, population, provincial minimum wage, and human capital significantly influence the open unemployment rate in Lampung Province with an f-statistic value of 7.804487 and a probability of 0.0000 (< 0.05). From an Islamic economic perspective, efforts to overcome unemployment should not only focus on achieving economic indicators alone, but must also be supported by principles of social justice such as equal employment opportunities and skills training to create jobs and empower communities sustainably.

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