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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 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) 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 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) El-Mal: Jurnal Kajian Ekonomi & Bisnis Islam 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
Siska Yuli Anita
Universitas Islam Negeri Raden Intan Lampung
Religion Agriculture, Biological Sciences & Forestry Humanities Civil Engineering, Building, Construction & Architecture Decision Sciences, Operations Research & Management Economics, Econometrics & Finance Education Engineering Environmental Science Health Professions Industrial & Manufacturing Engineering Law, Crime, Criminology & Criminal Justice Materials Science & Nanotechnology Public Health Social Sciences Other

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The Effect of Enterprise Risk Management Based on Iso 31000 Company Performance According to An Islamic Business Perspective (Study on Pt Pln Nusantara Power up Tarahan) Dewi Ayu Rahmawati; Siska Yuli Anita; Oza Restianita
Al-Kharaj: Journal of Islamic Economic and Business Vol. 7 No. 4 (2025): All articles in this issue include authors from 3 countries of origin (Indonesi
Publisher : LP2M IAIN Palopo

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.24256/kharaj.v7i4.8396

Abstract

The electricity sector faces significant challenges related to operational risks, efficiency, and energy supply reliability. This situation demands an integrated and sustainable risk management system. PT PLN Nusantara Power UP Tarahan, as one of the power generation units in Sumatra, has a high urgency to strengthen its risk governance system through the implementation of Enterprise Risk Management (ERM) based on ISO 31000. In addition, the application of Islamic Business Values such as trustworthiness (amanah), honesty (shiddiq), and justice (‘adl) is expected to enhance integrity and ethical culture within the organization. This study aims to analyze the effect of Enterprise Risk Management (ERM) based on ISO 31000 on Corporate Performance, as well as to examine its implementation from an Islamic Business Perspective at PT PLN Nusantara Power UP Tarahan. The research employed a quantitative explanatory approach involving 31 respondents selected through purposive sampling, supported by interviews with the Quality, Risk, and Compliance Management Department. The data were analyzed using Partial Least Squares Structural Equation Modeling (PLS-SEM) with SmartPLS 4.0 software. The results indicate that all constructs were valid and reliable, with outer loading values > 0.70, Cronbach’s Alpha ranging from 0.781 to 0.951, Composite Reliability from 0.872 to 0.962, and Average Variance Extracted (AVE) from 0.620 to 0.836. Empirically, Enterprise Risk Management has a positive and significant effect on Corporate Performance (T-statistics > 1.96; P-value < 0.05). ISO 31000 has a positive and significant impact on ERM, but it does not have a direct effect on Corporate Performance. In contrast, the Islamic Business Perspective has a positive but insignificant effect on Corporate Performance
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.
Analisis Pengaruh Risiko Bisnis, Risiko Keuangan, dan Risiko Pasar Terhadap Struktur Modal Siska Yuli Anita; Hugo Prasetyo Winotoatmojo; Bambang Sugeng Dwiyanto; Alfiana; Abdul Rosid
El-Mal: Jurnal Kajian Ekonomi & Bisnis Islam Vol. 6 No. 4 (2025): El-Mal: Jurnal Kajian Ekonomi & Bisnis Islam
Publisher : Intitut Agama Islam Nasional Laa Roiba Bogor

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.47467/elmal.v6i4.7622

Abstract

This study aims to analyze the effect of business risk, financial risk, and market risk on the capital structure of companies listed on the Indonesia Stock Exchange (IDX) for the period 2019-2023. The data used in this study are secondary data in the form of annual financial reports. The sampling technique used in this study is the purposive sampling method with the number of companies used as samples being 30 companies, but 14 companies that meet the criteria. The analysis method used in this study is multiple linear regression analysis using the Statistical Product and Service Solution (SPSS) program application. The results of this study indicate that business risk has no effect on capital structure. While financial risk and market risk affect capital structure.
THE INFLUENCE OF REFERENCE GROUPS, TRUST, AND TRADITION ON CUSTOMERS’ DECISION TO USE ISLAMIC GOLD PAWN SERVICE WITH EDUCATION AS A MODERATING VARIABLE Niken Purnama Santi; Ahmad Habibi; Siska Yuli Anita
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 Abdul Rosid Adhan, Ahmad Ahmad Faisal Ahmad Habibi Ahmad Habibi Alfiana Alfiana Aprilia Rizki Bambang Sugeng Dwiyanto 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 Ermawati, Liya Evi Martaseli Febrian, Wenny Desty Fitriana, Wahyu Gani, Intan Maesti Halek Mu'min Helmi Adam Hugo Prasetyo Winotoatmojo Hugo Prasetyo Winotoatmojo Icha Charunisa Indah Permata Dewi Irsyad Kamal Irzan Soepriyadi Jacomina Vonny Litamahuputty Johnny Chandra Judijanto, Loso Kamsariaty Kardinah Indrianna Meutia Lily Yuntina Linzani, Arniz LITAMAHUPUTTY, JACOMINA VONNY Mayang Kusuma Megawati, Eka Melinda, Gesti Alya Moch Arif Hernawan Mochammad Subagio Mu'min, Halek Mujianah, Siti Niken Purnama Santi Nuraeni Nuraeni Nuraeni Nuraeni Nurchayati Nurchayati Nurchayati Nurchayati Nurhayati, Enok Nurlaili Nurlaili Nurul Azizah Aulia Oksanda, R. Dea Laura Oktavia, Vicky Oza Restianita Peppy Fachrial Rahmawaty, Soffiyah Putri Rahmi Setiawati Rendi Aditya Putra Rintis Eko Widodo Rita Mulyanti Rosydalina Putri 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 Ulfa, Ulfa Nur Halimah Utomo, Bekti Yulistia Devi Yulistia Devi Yulistiana Devi Yulistia Devi Yuntina, Lily