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All Journal I-Finance Journal DERIVATIF Jurnal Ilmiah Ekonomi Islam Al-Mashrafiyah : Jurnal Ekonomi, Keuangan, dan Perbankan Syariah Owner : Riset dan Jurnal Akuntansi EQIEN - JURNAL EKONOMI DAN BISNIS Profit : Jurnal Kajian Ekonomi dan Perbankan Syariah JENIUS (Jurnal Ilmiah Manajemen Sumber Daya Manusia) Dinasti International Journal of Management Science Dinasti International Journal of Education Management and Social Science Jurnal Ilmiah Edunomika (JIE) Al-Kharaj: Journal of Islamic Economic and Business Management Studies and Entrepreneurship Journal (MSEJ) Jurnal Ilmiah Manajemen Kesatuan Dinasti International Journal of Digital Business Management Community Development Journal: Jurnal Pengabdian Masyarakat Jurnal Ilmu Manajemen Terapan (JIMT) Jurnal Akuntansi, Manajemen dan Ilmu Ekonomi (JASMIEN) Jurnal Disrupsi Bisnis Journal of Innovation in Management, Accounting and Business Jurnal Ilmiah MEA (Manajemen, Ekonomi, dan Akuntansi) Indonesian Journal of Islamic Economics and Finance Jurnal Manajemen, Akuntansi, Ekonomi Journal of Artificial Intelligence and Digital Business PERMANA : Jurnal Perpajakan, Manajemen, dan Akuntansi Journal of Economic Education and Entrepreneurship Studies Paradoks : Jurnal Ilmu Ekonomi West Science Interdisciplinary Studies West Science Interdisciplinary Studies INTERNATIONAL JOURNAL OF SOCIETY REVIEWS (INJOSER) Jurnal Ilmiah Manajemen Ekonomi Dan Akuntansi (JIMEA) Majapahit Journal of Islamic Finance dan Management Al-Kharaj: Jurnal Ekonomi, Keuangan & Bisnis Syariah El-Mal: Jurnal Kajian Ekonomi & Bisnis Islam Majapahit Journal of Islamic Finance dan Management Management Studies and Business Journal Jurnal Ekonomi Manajemen Dan Bisnis (JEMB) Siber Journal of Advanced Multidisciplinary Journal of Ekonomics, Finance, and Management Studies Jurnal Riset Multidisiplin Edukasi Greenation International Journal of Tourism and Management Greenation International Journal of Economics and Accounting Jurnal Ekonomi, Manajemen, Akuntansi Jurnal Akuntansi, Ekonomi dan Manajemen Bisnis Journal of Economic Education and Entrepreneurship Studies
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PENGARUH LITERASI KEUANGAN DIGITAL, HERDING, DAN OVERCONFIDENCE TERHADAP KEPUTUSAN INVESTASI EMAS DIGITAL DI APLIKASI DOMPET DIGITAL DANA DALAM PERSPEKTIF BISNIS ISLAM: (Studi Pada Investor Emas Digital Generasi Z Aplikasi DANA Di Bandar Lampung) Rendi Aditya Putra; Siska Yuli Anita; Dedi Satriawan
Jurnal Akuntansi, Ekonomi dan Manajemen Bisnis Vol. 5 No. 3 (2025): November : Jurnal Akuntansi, Ekonomi dan Manajemen Bisnis
Publisher : Pusat Riset dan Inovasi Nasional

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.55606/jaemb.v5i3.6487

Abstract

This study aims to analyze the influence of digital financial literacy, herding behavior, and overconfidence on digital gold investment decisions through the DANA application, viewed from the perspective of Islamic business ethics. A quantitative approach was employed using a survey method and purposive sampling technique. The sample consisted of 100 Generation Z respondents (aged 19–25) residing in Bandar Lampung who have experience investing in digital gold via the DANA platform. Data were collected using a structured Likert-scale questionnaire and analyzed using Partial Least Squares Structural Equation Modeling (PLS-SEM) with SmartPLS 4.0 software. The results show that all independent variables have a positive and significant effect on investment decisions: digital financial literacy (β = 0.375; p < 0.001), herding (β = 0.262; p = 0.009), and overconfidence (β = 0.302; p = 0.001). These findings highlight that young investors’ behavior is influenced not only by cognitive rationality but also by psychological and social dynamics. From an Islamic business perspective, investment decisions must be free from excessive speculation and carried out with fairness and transparency. Therefore, integrating digital literacy with Islamic ethical values is essential to shape investment decisions that are not only financially beneficial but also morally responsible and spiritually rewarding. Investment decisions, in this context, should be grounded in the principles of prudence, justice, and the avoidance of gharar (excessive uncertainty). Thus, it is crucial for the younger generation to enhance their financial literacy and ethical awareness to ensure their investment behavior aligns with Islamic values.
The Effect of Perceived Quality and Perceived Value on Repurchase Intention in Consumers of Chicken Salto Products with Customer Satisfaction as a Mediation Variable in an Islamic Business Perspective (Study on Consumers of Salto Chicken Bandar Lampung) Agustin, Jihan; Anita, Siska Yuli; Nuraziza, Sania
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.v5i4.631

Abstract

This study aims to examine how Perceived Quality and Perceived Value relate to Repurchase Intention, mediated by Customer Satisfaction, among consumers of chicken salto products. This study uses an exploratory method with a quantitative approach, with a sample size of 96 respondents and data analysis using Structural Equation Modelling (SEM) and Partial Least Square (PLS) analysis techniques. The findings of this study indicate a positive and significant effect on the relationship between Perceived Value and Repurchase Intention, Perceived Quality and Customer Satisfaction, Perceived Value and Customer Satisfaction, Customer Satisfaction and Repurchase Intention, Customer Satisfaction mediating the effect of Perceived Quality on Repurchase Intention, and Customer Satisfaction mediating the effect of Perceived Value on Repurchase Intention. Additionally, there are results that do not affect the relationship between Perceived Quality and Repurchase Intention.
Pengaruh Kualitas Aplikasi, PEOU, dan Ulasan terhadap Kepuasan Klik Indomaret Putra, Adam Verdiansyah; Anita, Siska Yuli; Kurniawan, Agus
RIGGS: Journal of Artificial Intelligence and Digital Business Vol. 4 No. 4 (2026): November - January
Publisher : Prodi Bisnis Digital Universitas Pahlawan Tuanku Tambusai

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.31004/riggs.v4i4.3671

Abstract

Penelitian ini bertujuan untuk menganalisis pengaruh kualitas aplikasi, persepsi kemudahan penggunaan dan ulasan produk terhadap kepuasan pelanggan pengguna aplikasi Klik Indomaret di Kota Bandar Lampung, serta menafsirkan temuan empiris tersebut dalam perspektif Etika Bisnis Islam. Penelitian menggunakan pendekatan kuantitatif dengan metode survei potong lintang (cross-sectional). Teknik pengambilan sampel dilakukan secara purposive sampling dengan kriteria responden berusia minimal 17 tahun, berdomisili di Kota Bandar Lampung, dan pernah menggunakan aplikasi Klik Indomaret. Ukuran sampel ditentukan menggunakan rumus Lemeshow, sehingga diperoleh minimal 97 responden. Instrumen penelitian berupa kuesioner skala Likert lima poin yang mengukur kualitas aplikasi yang mencakup kualitas sistem, kualitas informasi, dan kualitas layanan atau kegunaan, persepsi kemudahan penggunaan, karakteristik ulasan produk yang meliputi kredibilitas, keberinformatifan, valensi, volume, konsistensi, dan kebaruan, serta kepuasan pelanggan. Analisis data dilakukan dengan metode Partial Least Squares–Structural Equation Modeling (PLS-SEM). Hasil evaluasi outer model menunjukkan seluruh konstruk memenuhi kriteria validitas konvergen dengan nilai outer loading ≥0,70 dan AVE >0,50, reliabilitas yang memadai dengan nilai Composite Reliability dan Cronbach’s Alpha >0,70, serta validitas diskriminan yang baik berdasarkan nilai HTMT <0,85. Pengujian hipotesis melalui bootstrapping 5.000 resampling menunjukkan bahwa PEOU berpengaruh positif dan signifikan terhadap kepuasan pelanggan, diikuti oleh kualitas aplikasi dan ulasan produk. Temuan ini menegaskan pentingnya penerapan nilai shidq, amanah, ‘adl, dan ihsan atau itqan dalam membangun kepuasan pelanggan yang berkelanjutan dan berorientasi pada kemaslahatan.
Pengaruh Profitabilitas Terhadap Return Saham Dengan Nilai Perusahaan Sebagai Variabel Mediasi Pada Jakarta Islamic Indeks (JII) Sektor Industri Barang Konsumsi Periode 2019–2024 Triaa , Nadila; Anita, Siska Yuli; Nuraziza, Sania
Jurnal Manajemen, Akuntansi, Ekonomi Vol. 4 No. 3 (2026): Jurnal Manajemen, Akuntansi, Ekonomi
Publisher : CV. Era Digital Nusantara

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.59066/jmae.v4i3.1812

Abstract

Penelitian ini bertujuan untuk menganalisis pengaruh profitabilitas terhadap return saham dengan nilai perusahaan sebagai variabel mediasi pada sektor industri barang konsumsi yang tergabung dalam Jakarta Islamic Index (JII) periode 2019–2024. Profitabilitas diukur menggunakan Return on Assets (ROA), nilai perusahaan menggunakan Price to Book Value (PBV), dan return saham dihitung berdasarkan selisih harga saham akhir periode. Penelitian ini menggunakan pendekatan kuantitatif dengan data sekunder yang diperoleh dari laporan keuangan tahunan dan publikasi Bursa Efek Indonesia. Sampel terdiri dari lima perusahaan yang dipilih melalui metode purposive sampling. Analisis data menggunakan regresi berganda dan uji mediasi (Sobel Test). Hasil penelitian secara eksplisit menunjukkan bahwa profitabilitas berpengaruh positif terhadap nilai perusahaan, tetapi tidak memiliki pengaruh langsung terhadap return saham. Selain itu, nilai perusahaan tidak berperan sebagai variabel mediasi dalam hubungan antara profitabilitas dan return saham. Temuan ini menegaskan bahwa peningkatan laba perusahaan hanya akan berdampak pada return saham jika diikuti oleh persepsi pasar yang positif, yang tercermin dalam peningkatan nilai perusahaan.
The Effect of Perceived Quality and Perceived Value on Repurchase Intention in Consumers of Chicken Salto Products with Customer Satisfaction as a Mediation Variable in an Islamic Business Perspective (Study on Consumers of Salto Chicken Bandar Lampung) Agustin, Jihan; Anita, Siska Yuli; Nuraziza, Sania
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.v5i4.631

Abstract

This study aims to examine how Perceived Quality and Perceived Value relate to Repurchase Intention, mediated by Customer Satisfaction, among consumers of chicken salto products. This study uses an exploratory method with a quantitative approach, with a sample size of 96 respondents and data analysis using Structural Equation Modelling (SEM) and Partial Least Square (PLS) analysis techniques. The findings of this study indicate a positive and significant effect on the relationship between Perceived Value and Repurchase Intention, Perceived Quality and Customer Satisfaction, Perceived Value and Customer Satisfaction, Customer Satisfaction and Repurchase Intention, Customer Satisfaction mediating the effect of Perceived Quality on Repurchase Intention, and Customer Satisfaction mediating the effect of Perceived Value on Repurchase Intention. Additionally, there are results that do not affect the relationship between Perceived Quality and Repurchase Intention.
DEVELOPING MICRO, SMALL AND MEDIUM ENTERPRISES THROUGH ENTREPRENEURSHIP TRAINING AND GROWING ENTREPRENEURSHIP MOTIVATION (EMPIRICAL CASE STUDY OF SMALL AND MEDIUM ENTERPRISES IN EAST JAKARTA SMALL INDUSTRIES VILLAGE) Siska Yuli Anita
Dinasti International Journal of Education Management And Social Science Vol. 1 No. 5 (2020): Dinasti International Journal of Education Management and Social Science (June
Publisher : Dinasti Publisher

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.31933/dijemss.v1i5.337

Abstract

This study aims to analyze: 1) The effect of entrepreneurship training on the motivation of micro and small business entrepreneurs in the East Jakarta Small Industrial Area. 2) The effect of entrepreneurship training on the development of micro small and medium enterprises in the East Jakarta Small Industrial Village area 3) The influence of motivation on the development of micro small and medium businesses in the East Jakarta Small Industrial Village area. This research uses a quantitative method using SEM Lisrel 8.8 Program analysis tools. The number of respondents was 253 respondents of micro small and medium enterprises in the East Jakarta Small Industrial Village. The results of the study stated: 1) the influence of entrepreneurship training on the motivation of micro and small business entrepreneurs in the region East Jakarta Small Industrial Village. 2) the influence of entrepreneurship training on the development of micro small and medium enterprises in the East Jakarta Small Industrial Area 3) The influence of motivation on the development of micro small and medium businesses in the East Jakarta Small Industrial Village area.
The Effects of Work-Life Balance, Workload, Motivation, and Leadership Style on Driver Performance Azizah, Ana Chosiatul; Anggraeni, Erike; Anita, Siska Yuli
Jurnal Ilmiah Sumber Daya Manusia Vol 9 No 2 (2026): JENIUS (Jurnal Ilmiah Sumber Daya Manusia)
Publisher : Universitas Pamulang

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.32493/JJSDM.v9i2.56955

Abstract

This study aims to analyze the influence of work-life balance, workload, work motivation, and leadership style on the performance of PT Berkah Bersama OJESA drivers from a Human Resource Management (HRMS) perspective. The background of this study stems from the need for sharia transportation companies to manage human resources effectively while still paying attention to work welfare and Islamic values ​​in special services for women. This study employed a quantitative approach with a survey method, distributing questionnaires to 34 active drivers at PT Berkah Bersama OJESA. Data were analyzed using Structural Equation Modeling–Partial Least Squares (SEM-PLS) with the aid of SmartPLS 4 software. The results showed that workload significantly impacted driver performance. This finding indicates that the workload assigned to drivers is at a level that encourages productivity and focus, resulting in optimal performance. Meanwhile, work-life balance, work motivation, and leadership style did not significantly influence driver performance. This indicates that these variables are not yet the dominant factors influencing driver performance at PT Berkah Bersama OJESA, both due to relatively homogeneous driver perceptions and job characteristics that are more influenced by operational factors than psychological and leadership factors. This research provides theoretical contributions to the study of MSDI, particularly in organizations based on Islamic values, and provides practical implications for the management of PT Berkah Bersama OJESA in formulating more effective human resource management strategies to improve driver performance.
Pengaruh User Generated Content (UGC) dan Vividness Content Marketing Terhadap Purchase Decision Dalam Perspektif Bisnis Syari'ah (Studi Pada Pengguna Aerostreet Di Bandar Lampung) Riyanto, Adi; Siska Yuli Anita; Oza Restianita
Permana : Jurnal Perpajakan, Manajemen, dan Akuntansi Vol. 18 No. 1 (2026): February
Publisher : Faculty of Economics and Business, University of Pancasakti Tegal

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.24905/permana.v18i1.1280

Abstract

Penelitian ini bertujuan untuk menganalisis pengaruh User Generated Content (UGC) dan Vividness Content Marketing terhadap Purchase Decision dalam perspektif bisnis syariah. Penelitian ini menggunakan pendekatan kuantitatif dengan data primer yang dikumpulkan melalui kuesioner daring dari 96 responden pengguna sepatu Aerostreet di Bandar Lampung. Analisis data dilakukan menggunakan regresi linier berganda dengan bantuan IBM SPSS versi 27. Hasil penelitian menunjukkan bahwa User Generated Content (UGC) berpengaruh positif dan signifikan terhadap Purchase Decision, demikian pula Vividness Content Marketing memiliki pengaruh positif dan signifikan terhadap Purchase Decision. Penelitian ini menyimpulkan bahwa konten buatan pengguna dan konten visual yang menarik mampu meningkatkan Purchase Decision konsumen, selama diterapkan secara jujur dan sesuai prinsip bisnis syariah.
The Role of Artificial Intelligence in Financial Risk Management in Fintech Companies Siska Yuli Anita; Irsyad Kamal; Loso Judijanto; Johnny Chandra; Rizal Perlambang C NAWP
Journal of Economic Education and Entrepreneurship Studies Vol. 6 No. 1 (2025)
Publisher : Department of Economics Education, Faculty of Economics, Universitas Negeri Makassar

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

Abstract

This study aims to examine the impact of the application of Artificial Intelligence (AI) in financial risk management in FinTech companies. With the increasing reliance on technology, AI has great potential in managing various types of risks, such as credit, market and liquidity risks. This study uses a quai-experimental approach by comparing two groups of companies, namely companies that use that do not use AI. The data collected included the level of non-performing (NPLs), market value fluctuations, and liquidity stability, which were analyzed using t-test and ANOVA to identify significant differences between the two groups. The results showed that companies that implemented AI experienced a significant decrease in bad debt rates, more manageable market values fluctuations, and improved liquidity stability. However, the main challenges faced in implementing AI include limited quality data technological comnpetency, and regulatory compliance. Overall, this study reveals that the application of AI can improve the effetiveness of financial risk management in FinTech firms, but requires investment in employee training, technological infrastructure development, and attentionto regulatory aspects to maximize the benefits.
THE INFLUENCE OF REFERENCE GROUPS, TRUST, AND TRADITION ON CUSTOMERS’ DECISION TO USE ISLAMIC GOLD PAWN SERVICE WITH EDUCATION AS A MODERATING VARIABLE Santi, Niken Purnama; Habibi, Ahmad; Anita, Siska Yuli
JURNAL PROFIT Vol 9, No 2 (2025): Economic And Financial Institutions
Publisher : Nurul Jadid University

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.33650/profit.v9i2.13079

Abstract

This study aims to analyze the influence of reference groups, trust, and tradition on customers’ decisions to use Islamic gold pawn services, with education as a moderating variable. The research was motivated by the growing public interest in Islamic gold pawn products at Bank Syariah Indonesia (BSI) Tulang Bawang Barat Branch, which is influenced not only by economic factors but also by social, cultural, and educational aspects. The study employed a quantitative associative approach with 59 respondents selected through purposive sampling. Data were collected using an online questionnaire (Google Form) and analyzed with SPSS version 25, including validity and reliability tests, multiple linear regression, and Moderated Regression Analysis (MRA) to examine the role of education as a moderating variable. The findings reveal that reference groups, trust, and tradition have a positive and significant effect on customer decisions, both partially and simultaneously. Among these variables, tradition has the most dominant influence on decision-making. The coefficient of determination (R²) value of 0.812 indicates that 81.2% of the variation in customer decisions is explained by these three variables, while the remaining 18.8% is affected by other factors not examined in this study. The results emphasize that social and cultural factors play a crucial role in shaping customers’ behavior toward Islamic financial products. Therefore, Islamic financial institutions are encouraged to strengthen marketing strategies based on trust, tradition, and financial education to enhance public participation in Islamic pawn services.
Co-Authors Abdul Rosid Adhan, Ahmad Adi riyanto, Adi Agus Kurniawan Agus Santi, Amelia Agustin, Jihan Ahmad Faisal ahmad habibi Ahmad Habibi Ahmad Habibi Alfiana Aprilia Rizki Azizah, Ana Chosiatul Bambang Sugeng Dwiyanto Bekti Utomo Bela, Riskiana Bella Safira Bella Safira Burhanuddin Burhanuddin Burhanuddin Burhanuddin CNAWP, Rizal Perlambang Dedi Satriawan Dewi Ayu Rahmawati Diah Mukminatul Hasimi Dinda Fali Rifan Eka Megawati Eko Widodo, Rintis Enny Haryanti Erike Anggraeni Ermawati, Liya Evi Martaseli Fadzila Azni Ahmad Febrian, Wenny Desty Fitriana, Wahyu Gani, Intan Maesti Halek Mu'min Helmi Adam Hugo Prasetyo Winotoatmojo Icha Charunisa Indah Permata Dewi Irsyad Kamal Irsyad Kamal Irzan Soepriyadi Jacomina Vonny Litamahuputty Johnny Chandra Johnny Chandra Judijanto, Loso Kamsariaty Kardinah Indrianna Meutia Lily Yuntina Linzani, Arniz LITAMAHUPUTTY, JACOMINA VONNY Loso Judijanto Madnasir Madnasir Mayang Kusuma Megawati, Eka Melinda, Gesti Alya Moch Arif Hernawan Mochammad Subagio Mu'min, Halek Mujianah, Siti Nuraeni Nuraeni Nuraeni Nuraeni Nuraziza, Sania Nurchayati Nurchayati Nurchayati Nurchayati Nurhayati, Enok Nurlaili Nurlaili Nurul Azizah Aulia Oksanda, R. Dea Laura Oktavia, Vicky Oza Restianita Peppy Fachrial Putra, Adam Verdiansyah Rahmawaty, Soffiyah Putri Rahmi Setiawati Rendi Aditya Putra Rintis Eko Widodo Rita Mulyanti Rizal Perlambang C NAWP Rosydalina Putri Santi, Niken Purnama Sari, Duha Latifah Selly Sipakoly setiawati, rahmi SIPAKOLY, SELLY Siti Nurhayati Sugiarti Sugiarti Suhendra, Agus Sundari, Pipit Supaijo Suryaningsih, Lilik Taufiqur Rahman Taufiqur Rahman, Taufiqur Tri Novita Sari Triaa , Nadila Ulfa, Ulfa Nur Halimah Utomo, Bekti Yulistia Devi Yulistia Devi Yulistiana Devi Yulistia Devi Yuntina, Lily