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All Journal Jurnal Paradigma Ekonomika Jurnal Ilmiah Wahana Akuntansi NUR EL-ISLAM : Jurnal Pendidikan dan Sosial Keagamaan JURNAL PENDIDIKAN TAMBUSAI Indonesian Journal of Halal Research Jurnal Manajemen Keuangan Syariah
Ferawati, Rofiqoh
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Religion Biochemistry, Genetics & Molecular Biology Decision Sciences, Operations Research & Management Economics, Econometrics & Finance Education Environmental Science Medicine & Pharmacology Social Sciences Other

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Journal : Jurnal Manajemen Keuangan Syariah

 1 
Pengaruh Literasi Keuangan Syariah, Sosialisasi, Dan Jenis Kelamin Terhadap Keputusan Menggunakan Produk Perbankan Syariah Pada Generasi Z Di Jambi Ferawati, Rofiqoh; Bariatun, Linda
Manajemen Keuangan Syariah Vol. 5 No. 1 (2025): Journal of Islamic Financial Management
Publisher : Program Studi Manajemen Keuangan Syariah

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.30631/makesya.v5i1.3044

Abstract

This study aims to determine the effect of Islamic financial literacy, socialization, and gender on the decision to use Islamic banking products on generation z in Jambi. The method used in this study is a quantitative method, using SPSS 29. The sample in this study was 100 samples of generation z in Jambi, by distributing questionnaires. The results of the study showed that Islamic financial literacy had a significant effect on the decision to use Islamic banking products as evidenced by a sig value of 0.001 < 0.05. Socialization had a significant effect on the decision to use Islamic banking products as evidenced by a sig value of 0.001 <0.05. Gender did not have a significant effect on the decision to use Islamic banking products as evidenced by a sig value of 0.505 > 0.05. Sharia financial literacy, socialization and gender simultaneously have a significant effect on the decision to use sharia banking products, of 0.620 or 62%.
Gen-Z dan Minat Beli Kosmetik di e-Commerce Oktavia, Dini; Ferawati, Rofiqoh
Manajemen Keuangan Syariah Vol. 5 No. 1 (2025): Journal of Islamic Financial Management
Publisher : Program Studi Manajemen Keuangan Syariah

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.30631/hfdf9d15

Abstract

The purpose of this study was to determine the effect of digital marketing, halal labeling and celebrity endorsersement on the interest in buying cosmetics in generation z in Jambi province. The method used is a quantitative method, using the SPSS application. This study used 100 samples of generation z spread across Jambi province. The findings of this study are that digital marketing has a significant effect on buying interest, amounting to 0.004 <0.05. Halal labeling does not have a significant effect on buying interest, with a significant value of 0.866> 0.05. Celebrity endorsement has a significant effect on buying interest, with a significant value of 0.000 <0.05. Digital Marketing, Halal Labeling and Celebrity Endorsersement together have a significant effect on purchasing interest, with an Adjusted R square value (coefficient of determination) of 0.453 or 45.3%. This shows that the influence of the variables digital marketing (X1), halal labeling (X2), and celebrity endorsement (X3) is 45.3% and the remaining 54.7% is influenced by other variables not included in this model. Keywords: Digital marketing, Halal, Endorsement, Celebrity, Purchasing Interest, Gen-Z
Transformasi Digital dan Akses Keuangan: Analisis Fintech dan Inklusi Keuangan terhadap Perkembangan UMKM Furnawati, Raudhah; Ferawati, Rofiqoh
Manajemen Keuangan Syariah Vol. 5 No. 2 (2025): Journal of Islamic Financial Management
Publisher : Program Studi Manajemen Keuangan Syariah

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.30631/pq3nhb52

Abstract

Financial technlogy (fintech) merupakan inovasi layanan keuangan berbasis teknologi yang memberikan kemudahan dalam berbagai transaksi, seperti pembayaran, investasi, hingga kredit online. Sementara itu, inklusi keuangan menekankan pada aspek layanan keuangna formal yang aman, terjangkau, dan bermanfaat bagi masyarakat maupun pelaku usaha. Perkembangan UMKM termasuk di Kabupaten Bungo Provinsi Jambi, didorong oleh peran kedua aspek penting tersebut, sebagaimana tercermin dari fluktuasi jumlah UMKM pada periode 2019-2023, dengan capaian tertinggi pada tahun 2022. Namun, penelitian terdahulu masih menghasilkan temuan yang berbeda mengenai dampak fintech dan inklusi keuangan terhadap UMKM, sehinggga diperlukan kajian empiris lebih lanjut. Penelitian ini bertujuan untuk menguji pengaruh fintech dan inklusi keuangan terhadap perkembangan UMKM di Kabupaten Bungo. Metode penelitian menggunakan pendekatan kuantitatif deskriptid dengan sampel sebanyak 90 pelaku UMKM yang dipilih melalui teknik purposive sampling, sementara data dikumpulkan melalui kusioner daring (Google Form). Hasil menunjukkan bahwa fintech berpengaruh positif dan signifikan terhadap perkembangan UMKM (p = 0.002 < 0.05). Inklusi keuangan juga memberi pengaruh positif dan signifikan terhadap UMKM (p = 0.006 < 0.05). Secara simultan, fintech dan inklusi keuangan berkontribusi signifikan dengan nilai F (Fhitung, p =0.000 < 0.05. Temuan ini menegaskan bahwa pemanfaatan fintech bersama peningkatan inklusi keuangan merupakan strategi penting dalam memperkuat daya saing dan mendorong pertumbuhan UMKM di daerah.  
Co-Authors Achyat Budianto Bariatun, Linda Deliza, Deliza Furnawati, Raudhah Indrawan, Boby Kurniyati Kurniyati Mubyarto, Novi Muhammad Solihin, Muhammad Nasrudin, Dindin Nurmita, Nurmita Oktavia, Dini Pramudya, Chinta Purwati, Kurniatun Puspita Maysari, Siska Rita Syafitri, Rita Saijun, Saijun Santoso, Pugoh Sari Putri, Nurrahma Tanti Tanti Titin Agustin Nengsih Wiji Utami, Wiji Youdhi Prayogo