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All Journal JURNAL BISNIS STRATEGI Jurnal Ekonomi & Keuangan Islam JASF (Journal of Accounting and Strategic Finance) Borneo International Journal of Islamic Studies (BIJIS) Jurnal Penelitian Economic and Finance in Indonesia Media Riset Bisnis Ekonomi Sains dan Terapan Journal of Islamic Economic Laws
Saputra, Arief Dwi
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Religion Humanities Chemistry Computer Science & IT Decision Sciences, Operations Research & Management Economics, Econometrics & Finance Education Environmental Science Languange, Linguistic, Communication & Media Law, Crime, Criminology & Criminal Justice Social Sciences Other

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Turnover Intentions? Symptoms on Job Satisfaction and Job Insecurity in The Face of a Pandemic Saputra, Arief Dwi; Rahmatia, Alfina; Surwanti, Arni
JURNAL BISNIS STRATEGI Vol 30, No 2 (2021): Desember
Publisher : Magister Manajemen, Fakultas Ekonomika dan Bisnis Undip

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.14710/jbs.30.2.115-126

Abstract

Turnover intention is the permanent resignation of employees voluntarily (voluntary) or not (involuntary) from an organization. In fact, human resources are an investment for the organization. This study will attempt to review the symptoms that occur during a pandemic through a review of Turnover Intentions obtained by job satisfaction and job imperfections. This study aims to see the effect of job satisfaction and job insecurity on turnover intentions in the case study of the Presidium business unit. The object of this research is the Marketing Executive with a saturated sample technique method and a questionnaire to 158 respondents. Data were analyzed using the SPSS 22 application, traffic conclusions with multiple data analysis techniques. The results of this study can ignore that the variables of job satisfaction and job insecurity have a positive influence on turnover intention. This explains that Turnover Intentions are a symptom that occurs during a pandemic. The implications for the findings of the review results can be used as insights for organizations in facing a pandemic period and can become a future research agenda for a more comprehensive organizational review.
Islamic Financial Literacy Index of Students: Bridging SDGs of Islamic Finance Saputra, Arief Dwi; Rahmatia, Alfina
Economics and Finance in Indonesia Vol. 67, No. 1
Publisher : UI Scholars Hub

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

Abstract

This research aims to measure the level of Islamic financial literacy among students by reviewing 2 dimensions, 8 variables, and 33 indicators obtained from literature studies and experts. This study applied mix method to qualitative and quantitative data with a total sample of 273 respondents. The data were obtained from interview and online FGD and then processed by word similarity analysis as well as validity and reliability tests, the results of which are used as reference and conclusion. The analysis shows that the level of understanding of financial literacy among students remains significantly low, proven by the value of the interpretation of respondents reaching below 40% despite valid and reliable variables and indicators. Meanwhile, the analysis of the relationship between each variable that consists of supporting indicators shows that each variable affects one another. This study generates a financial literacy index serving as a measuring tool in bridging the SDGs of Islamic Finance. It implies the necessity of increasing the understanding of Islamic finance with the concept of literacy for students as an agenda to achieve a demographic bonus.
Online Business Practices: A Study of Islamic Business Ethics Perspective in Indonesia Saputra, Arief Dwi; Rahmatia, Alfina; Wahyuningsih, Sri Handari; Azhar, Andi
JURNAL PENELITIAN Vol. 19 No. 1 (2022)
Publisher : Universitas Islam Negeri K.H. Abdurrahman Wahid Pekalongan

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.28918/jupe.v19i1.4614

Abstract

Islamic business ethics is the implementation of the basic principles of Islamic-based business, which the Al-Qur'an and As-Sunnah guide. This study will explain online business practices in Indonesia by observing an Islamic perspective. This study uses a qualitative strategy by investigating Islamic business ethics in online business practices in Indonesia through information and document data collection in the form of reputable online media news. Data were analyzed and managed using Nvivo plus 12; then, conclusions were drawn. The aim of this study is achieved by finding that there are still many ethical violations in online business practices from a religious perspective. The findings also reveal that Islamic values are rarely used in business implementation because some violations occur not based on the intention of worship and are not based on Islamic principles such as At-Tauhid, Al-Amanah, As-Sidq, Al-Adalah, At-Ta'awun, Al-Maslahah, At-Taradi, and Al-Akhlaq Al-Karimah. This also proves that online business practices are still oriented to worldly aspects. The implication of the results of this study explains that doing business activities from an Islamic perspective contains principles that comprehensively govern ethics. So that the purpose of doing business is not solely for the interests of worldly welfare, but for the welfare of the ukhrawi in the pleasure of Allah SWT, and the benchmarks are al-Qur'an and al-Hadith.
Financial Services Authority Regulation (POJK) Relevance Based on Sharia Principles by Financial Service Business Actors (PUJK) to Consumers Protection Saputra, Arief Dwi; Rahmatia, Alfina; Muslimah, Muslimah; Arliansyah, Arliansyah
Borneo International Journal of Islamic Studies Vol 6 No 1 (2024): Borneo International Journal of Islamic Studies, Vol. 6(1), May 2024
Publisher : Universitas Islam Negeri Sultan Aji Muhammad Idris Samarinda

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.21093/bijis.v6i1.4706

Abstract

The determination of the interrelated relationship regarding POJK from the PUJK can be reviewed through its role to consumers. This study uses a systematic review of the alternative literature on a theoretical basis, antecedents, measurements review, and relevance analysis results. This research data use secondary data taken from reputable journals. Furthermore, the data is processed using the Nvivo plus 12 application through a coding similarity analysis and then drawn conclusions as a reference. The results of the study illustrate that there is a relevant relationship between POJK and sharia principles by paying attention to the relationship factors of variables and outcomes from PUJK to consumers. Theoretical contributions through originality and an agenda for future research will be developed. The policy implication of this study is to maintain and improve understanding of Islamic financial literacy through POJK based on sharia principles. The limitations of this study reveal that the relevance of the relationship between PUJK and consumers affects the results at various levels of analysis.
ISLAMIC FINANCIAL LITERACY: EVIDENCE FROM INDONESIAN URBAN MIDDLE-CLASS WOMEN Rahmatia, Alfina; Wijaya, Andy Putra; Saputra, Arief Dwi; Ma’ruf, Muhammad Imam
Journal of Islamic Economic Laws Vol 5, No 2 July 2022
Publisher : Universitas Muhammadiyah Surakarta

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.23917/jisel.v5i2.18467

Abstract

Issues related to Islamic financial literacy are always interesting to study, especially because financial literacy has a close relationship with financial inclusion, including the intelligence of women who are often questioned in terms of financial literacy. The paradigm that women are backward seems to be ingrained in some Indonesian society. Therefore, this study aims to prove that women have the same opportunities, especially in terms of Islamic financial literacy. This study uses an explanatory sequential mixed method, in which qualitative data is taken from the study literature, then analyzed using the Nvivo 12 application. Quantitative data is taken from a questionnaire, then analyzed using the SPSS application. The result from qualitative data analysis would explain more the findings. This study proves that gender does not affect financial literacy, it can be said that women in Indonesia urban middle-class are not left behind. Everyone has the same rights in learning about Islamic financial literacy.
Bridging the gap between NFT public perspectives and its Islamic finance principles Rahmatia, Alfina; Saputra, Arief Dwi
Jurnal Ekonomi & Keuangan Islam Volume 11 No. 2, July 2025
Publisher : Faculty of Economics, Universitas Islam Indonesia

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.20885/JEKI.vol11.iss2.art5

Abstract

Purpose – Non-Fungible Tokens (NFT), one of the latest innovations in the financial world, have succeeded in triggering debate among the public, especially in terms of Islamic financial principles. Therefore, this study seeks to explore the gap between public societies’ perspectives on NFT on Twitter and the discourse conveyed by experts in research articles or journalists in popular articles. Methodology: This study combines two analyses, namely sentiment analysis, using the R Studio application to categorize public opinion into positive, neutral, and negative sentiments. Discourse analysis uses the NVivo 12 application to identify critical themes in scientific writing.Findings – The results show various perceptions of positive sentiments often associated with NFT and innovation. By contrast, negative sentiments focus on speculation, lack of clarity, and the potential to conflict with the principles of Islamic finance. These findings convey concerns about the speculative nature of the NFT and its compliance with Sharia law. However, some scholars argue that NFT can be structured according to Islamic ethics if proper guidelines are followed. Implications – This study contributes to bridging the gap between public perception and scholars, so that insights arise regarding NFT as perceived within the framework of Islamic finance. Originality – We believe this study is the first qualitative study to investigate public sentiment about NFT from Twitter/X and discuss it with the principles of Islamic finance.
ANALISIS DAMPAK RASIO PROFITABILITAS SEBAGAI INDIKATOR KINERJA PERUSAHAAN (STUDI KASUS: PT BANK SYARIAH INDONESIA TAHUN 2020-2024) Rahman, Anggi Meisya; Pramana, Pandu; Ausaa, Khairul; Saputra, Arief Dwi; Wirman, Wirman; Rahmiyanti, Sev
Media Riset Bisnis Ekonomi Sains dan Terapan Vol 4, No 1 (2025): Media Riset Bisnis Ekonomi Sains dan Terapan
Publisher : Taksasila Edukasi Insani

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.71312/mrbest.v4i1.546

Abstract

The study focuses on analyzing PT Bank Syariah Indonesia (BSI) Tbk.'s financial performance from 2020-2024, specifically examining profitability ratios like Net Profit Margin, Return on Asset, and Return on Equity. The research highlights the significance of measuring profitability in evaluating Islamic banking operations post-merger and pandemic challenges. Using a quantitative approach and data from BSI's financial statements, the analysis includes calculating financial ratios, trend analysis over five years, and benchmarking against industry standards. The study aims to offer insights into BSI's profitability, identify factors influencing its financial performance, and provide valuable information for management, investors, regulators, and stakeholders to make informed decisions regarding BSI's performance and sustainability in the Islamic banking sector.Keywords : NPM, Profitability, Ratio, ROA, ROE.
Gamification Model as a Business Strategy for MSMEs in Indonesia Saputra, Arief Dwi; Rahmatia, Alfina
JASF: Journal of Accounting and Strategic Finance Vol. 4 No. 1 (2021): JASF (Journal of Accounting and Strategic Finance) - June 2021
Publisher : Accounting Department, Faculty of Economics and Business, Universitas Pembangunan Nasional Veteran Jawa Timur

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.33005/jasf.v4i1.162

Abstract

Gamification is a game design in a non-game context that can be applied to the Micro, Small, and Medium Enterprises (MSMEs) business. This study aims to see how the role of gamification can be a model in MSMEs' business activities and performance. The sample is 13 of 34 MSMEs business managed by students at the Provincial level in Indonesia who are student representatives at the Branch Leaders, Branch Managers, and Regional Leaders in a hierarchical structure. First, the root of the problem is viewed from secondary data through theoretical studies (literature reviews, reports, and reputable media data) and observations of empirical aspects (observation and interviews). In the next stage, the data is processed using the Nvivo 12 application with codingsimilarity analysis. Then the results of the study are used as a reference and conclusions through the data obtained. Based on the analysis results, the study agenda was prepared to answer the challenge of demographic bonuses and the middle-income trap on the contribution of MSMEs in facing changes in the economic order in the new normal era. The implication is to become abusiness model for MSMEs in overcoming human capital problems by encouraging creative and innovative attitudes and traits. Furthermore, the application of gamification as a business strategy shows an interconnected and supportive soul as a solution with an impact on behavior change, motivation, and psychological effects of entrepreneurship. Thus, users, such as managers,employees, dan customers, are to be involved in the selling process through gamification.
Co-Authors Alfina Rahmatia Andi Azhar Arliansyah, Arliansyah Ausaa, Khairul Muhammad Imam Ma'ruf Muslimah Muslimah Pramana, Pandu Rahman, Anggi Meisya Rahmiyanti, Sev Wahyuningsih, Sri Handari Wijaya, Andy Putra Wirman, Wirman