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Pembangunan Gender Dan Jumlah Masyarakat Yang Bekerja Terhadap Pertumbuhan Ekonomi Di Indonesia Ditinjau Dari Perspektif Ekonomi Islam Tahun 2018 - 2022 Mia Selvina; Zathu Restie Utamie
Indo-Fintech Intellectuals: Journal of Economics and Business Vol. 4 No. 5 (2024): Indo-Fintech Intellectuals: Journal of Economics and Business (in-Press)
Publisher : Lembaga Intelektual Muda (LIM) Maluku

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.54373/ifijeb.v4i5.1912

Pertumbuhan ekonomi biasanya diukur melalui Produk Domestik Bruto (PDB), yang mencerminkan perubahan kondisi perekonomian suatu negara secara berkesinambungan. Proses ini menggambarkan peningkatan kapasitas produksi, yang tercermin dalam peningkatan pendapatan nasional. Dalam konteks ini, pertumbuhan ekonomi menunjukkan perkembangan aktivitas ekonomi yang mengarah pada peningkatan jumlah barang dan jasa yang diproduksi, serta peningkatan kesejahteraan masyarakat. Penelitian ini bertujuan untuk menganalisis pengaruh pembangunan gender dan jumlah angkatan kerja terhadap pertumbuhan ekonomi di 34 provinsi Indonesia selama periode 2018-2022, serta melihat interaksi antara kedua faktor tersebut dalam perspektif ekonomi Islam. Metode yang digunakan adalah penelitian kualitatif dengan pengumpulan data melalui dokumentasi dan studi pustaka, dengan sampel sebanyak 170 data sekunder. Analisis data dilakukan menggunakan metode data panel melalui software e-Views 10. Hasil penelitian menunjukkan bahwa pembangunan gender memiliki pengaruh positif dan signifikan terhadap pertumbuhan ekonomi. Selain itu, ketika dipertimbangkan secara simultan, pembangunan gender dan jumlah angkatan kerja juga menunjukkan pengaruh signifikan terhadap pertumbuhan ekonomi di 34 provinsi Indonesia, terutama dalam perspektif ekonomi Islam

Pengaruh Foreign Direct Investment (FDI), Keterbukaan Perdagangan Dan Inflasi Terhadap Pertumbuhan Ekonomi Di 5 Negara ASEAN Pada Tahun 2014 – 2023 Dalam Perspektif Ekonomi Islam Kurniawan, Muhammad; Komala Sari; Zathu Restie Utamie
JURNAL ILMIAH EDUNOMIKA Vol. 9 No. 2 (2025): EDUNOMIKA
Publisher : ITB AAS Indonesia Surakarta

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

This research aims to examine the influence of Foreign Direct Investment (FDI), Trade Openness, and Inflation on Economic Growth (GDP). The data used in this research was taken from the World Bank, covering a sample of 5 countries in ASEAN during the period 2014 to 2023 which met the research criteria. The type of data used is secondary data, and the analysis is carried out using panel data regression techniques, which are a combination of time series and cross section data. The research results show that the Foreign Direct Investment (FDI) variable has a significant and positive effect on Economic Growth. On the other hand, the Trade Openness and Inflation variables do not show a significant effect, with a negative direction on economic growth. The coefficient of determination value shows that the combined influence of Foreign Direct Investment (FDI), Trade Openness and Inflation on Economic Growth reaches 27.1453%, while the rest can be explained by other variables. To encourage economic growth in the 5 ASEAN countries, it is recommended that the government increase capital flows from foreign investment (FDI). Apart from that, it is important for the government to maintain stability in Export Import and inflation to support sustainable economic growth.

THE THE EFFECT OF TRADE OPENNESS, EXPORTS AND IMPORTS OF AGRICULTURAL RAW MATERIALS ON GROSS DOMESTIC PRODUCT: A STUDY OF 8 ASEAN COUNTRIES (2018-2023) IN THE PERSPECTIVE OF ISLAMIC ECONOMIC Dharmawan, Imam; Zuliansyah, A; Utamie, Zathu Restie
Ad-Deenar: Jurnal Ekonomi dan Bisnis Islam Vol. 9 No. 001 (2025): Ad-Deenar: Jurnal Ekonomi dan Bisnis Islam Special Issue
Publisher : Sekolah Tinggi Agama Islam Al Hidayah Bogor

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.30868/ad.v9i001.8539

In Islamic economics, natural resources and human resources are factors in economic development. Gross Domestic Product (GDP) is a measuring tool to see and analyze a country's economic growth. This study aims to analyze the effect of trade openness, exports, and imports of agricultural raw materials on Gross Domestic Product (GDP) in 8 ASEAN countries from an Islamic economic perspective. This study uses panel data from 8 ASEAN countries in 2018-2023 obtained from the World Bank and the ASEAN Statistical Year Book with the saturated sampling method. Data analysis uses EViews10 software. The results of this study indicate that partially the export of agricultural raw materials has a negative effect on GDP, while trade openness and imports of agricultural raw materials have no effect on GDP in 8 ASEAN countries. The results of this study are expected to provide information and insight regarding GDP growth and the international trade sector in the ASEAN region and can contribute to the literature in Islamic economic studies.

Analysis of the Implementation of Cashless Payment System Using Quick Response Code Indonesian Standard (QRIS) at the Cafeterias of UIN Raden Intan Lampung Ronaldi, Alvin Destian; Choiriah, Alvi; Asmalia, Ghina; Utamie, Zathu Restie
Al-Mashrof: Islamic Banking and Finance Vol. 4 No. 1 (2023): Al-Mashrof: Islamic Banking and Finance
Publisher : Universitas Islam Negeri Raden Intan

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.24042/al-mashrof.v4i1.17310

This research is classified as a type of qualitative descriptive research. Sources of data in this study use the types of primary data and secondary data. Data collection techniques include observations and interviews to find out information about the financing and payment models of the Cashless System which are developing and widely used in UIN Raden Intan Lampung. After getting the data through observation and interviews, the next is the method of data analysis. After getting the data, the next step is data reduction. This is done to make it easier for researchers when looking for data and make it easier to collect data so that it can be more clearly shown in the form of an overview of the data that has been reduced. The next stage is the presentation of the data and then drawing conclusions that can explain the results of the research conducted. The results of this study state that technological advances, especially on the financial transaction side, are also affected, such as Cashless payments with various channels, including E-Wallet, M-Banking, and so on. The community obtains many benefits, especially students in the UIN Raden Intan Lampung in this Cashless / Non- Cash payment system, including Cashless payment transactions in the Campus Canteen area using the QRIS Code with M-Banking BSI, BTN, and so on.

The Concept of Maslahah Mursalah and Its Implementation in Sustainable Sharia Financial Literacy in the Modern Era Verawati, Heni; Zathu Restie Utamie
Al-Mashrof: Islamic Banking and Finance Vol. 6 No. 1 (2025): Al-Mashrof: Islamic Banking and Finance
Publisher : Universitas Islam Negeri Raden Intan

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.24042/gss72253

Maslahah Mursalah is one of the important concepts in Islamic law that focuses on the general welfare of humanity without any specific evidence governing it. This concept serves as a relevant foundation in addressing contemporary challenges, including sustainable Sharia-based financial literacy in the modern era. This article aims to examine the concept of Maslahah Mursalah, as well as its implementation in enhancing Sharia-compliant financial literacy oriented towards sustainability. Using a qualitative research method based on literature review, this article analyzes how the principles of maslahah can be applied to support financial management that is not only in accordance with Islamic law but also has a positive impact on economic, social, and environmental sustainability. The study results indicate that Maslahah Mursalah can serve as a strategic framework in promoting inclusivity and sustainability in Islamic finance. By considering universal values such as justice, balance, and utility, Sharia financial literacy based on Maslahah Mursalah can meet the needs of modern society while also supporting the achievement of Sustainable Development Goals (SDGs). This article recommends synergy between Islamic financial institutions, academics, and the government in enhancing maslahah-based financial literacy to strengthen the Islamic economic ecosystem in the modern era. Keywords: Maslahah Mursalah, Financial Literacy, Sustainable Finance, Sharia, Modern Era.

Pengaruh Brand Attachment Terhadap Customer Engagement dengan Brand Trust Sebagai Variabel Mediasi dalam Perspektif Manajemen Bisnis Syariah Indico Yudha Ardhana; Erike Anggraeni; Zathu Restie Utamie
El-Mal: Jurnal Kajian Ekonomi & Bisnis Islam Vol. 6 No. 8 (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.v6i8.9427

Brand attachment is a condition where consumers feel that the brand of a product represents and binds them in the sense that when the brand requires a constructive response, consumers will spontaneously provide and provide a positive response because of the experience they feel. This experience then makes consumers feel the need to be involved in developing the brand by being loyal to the brand and that loyalty makes trust in the brand maintained. The population in this study is the Way Kandis Community, Tanjung Senang District with the criteria that have been determined. The number of samples was 100 respondents. This research method is quantitative with online questionnaire data collection techniques through google form with the analysis method using a structural equation model approach with the SmartPLS 4 application. The results showed the results of Brand Attachment have a positive and significant effect on Customer Engagement, Brand Attachment has a positive and significant effect on Brand Trust, Brand Trust has a positive and significant effect on Customer Engagement, Brand Attachment has a positive and significant effect on Customer Engagement mediated by Brand Trust.

Ketimpangan PAD di Tengah Pertumbuhan Ekonomi dan Pembangunan Manusia: Analisis PDRB Per Kapita, IPM, dan Inflasi Daerah Akbar Nurul Hidayah; Rosydalina Putri; Zathu Restie Utamie
EKOMA : Jurnal Ekonomi, Manajemen, Akuntansi Vol. 4 No. 6: September 2025
Publisher : CV. Ulil Albab Corp

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.56799/ekoma.v4i6.9841

Ketimpangan antar wilayah merupakan tantangan serius dalam pembangunan ekonomi Indonesia, terutama dalam konteks kemandirian daerah yang tercermin dari Pendapatan Asli Daerah (PAD). Penelitian ini bertujuan untuk menganalisis pengaruh PDRB per kapita, IPM, dan inflasi daerah terhadap disparitas PAD di wilayah Sumatera bagian Selatan (Sumbagsel). Metode yang digunakan adalah pendekatan kuantitatif dengan analisis data panel selama periode 2010–2024, yang diolah menggunakan model Random Effect Model melalui perangkat lunak EViews 10. Hasil penelitian menunjukkan bahwa secara simultan, ketiga variabel independen mempunyai pengaruh signifikan terhadap disparitas PAD. Namun jika dilihat secara parsial, hanya IPM yang menunjukkan pengaruh negatif dan signifikan terhadap disparitas PAD. Sementara itu, PDRB per kapita dan inflasi daerah tidak memberikan dampak yang signifikan. Temuan ini menegaskan bahwa kualitas sumber daya manusia memiliki peran penting dalam mengurangi ketimpangan PAD antarwilayah. Oleh karena itu, kebijakan untuk meningkatkan IPM perlu menjadi prioritas dalam upaya pemerataan pembangunan daerah dan memperkuat otonomi fiskal.

Pengaruh Attractiveness Terhadap Buying Decision dengan Competitive Advantage Sebagai Variabel Moderasi dalam Perspektif Manajemen Bisnis Syariah Husni Ainurridho; Suhendar; Zathu Restie Utamie
El-Mal: Jurnal Kajian Ekonomi & Bisnis Islam Vol. 6 No. 9 (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.v6i9.9813

This study examines the effect of attractiveness on buying decisions with competitive advantage as a moderating variable in the context of sharia business management. The research was conducted on consumers of “Sahabat” beef kiosk in Pringsewu using a quantitative approach and SmartPLS analysis. The results show that attractiveness significantly influences buying decisions, and competitive advantage strengthens this effect. In sharia business, ethical attractiveness and trustworthy competitive advantage support purchase decisions with spiritual value.

Gaya Hidup Berbasis Digital Dan Perilaku Konsumtif Pada Gen Z Di Bandar Lampung: Keputusan Pembelian Melalui Marketplace Shopee Nurmalia, Gustika; Mutiasari Nur Wulan; Zathu Restie Utamie
Jurnal Rekoginisi Ekonomi Islam Vol. 3 No. 01 (2024)
Publisher : Fakultas Ekonomi dan Bisnis Universitas Islam Nahdlatul Ulama Jepara

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.34001/jrei.v3i01.846

In the current era of modern society dominated by Gen Z, along with the development of digital trends, people's lifestyles are slowly changing, tending to prefer things that are fast, easy and practical that can be done via smartphone. The problem formulation in this research is whether a digital-based lifestyle influences purchasing decisions on the Shopee marketplace? Does consumer behavior influence purchasing decisions on the Shopee marketplace? And do digital-based lifestyles and consumer behavior together influence purchasing decisions on the Sahopee marketplace from an Islamic economic perspective? The aim of this research is to find out whether a digital-based lifestyle influences purchasing decisions on the Shopee marketplace and to find out whether consumer behavior influences purchasing decisions on the Shopee marketplace. This research uses a quantitative type of research. The research was conducted in the city of Bandar Lampung, the population in this study was Gen Z in Bandar Lampung, the sample used in this study was 96 people taken using purposive sampling techniques, a questionnaire that had been tested for validity and reliability, and the data analysis technique used was hypothesis testing. The type of data in this research is primary data, data was collected via Google form and analyzed using the Multiple Linear Regression Analysis technique using the SPSS program. The results of this research show that lifestyle (X1) has a positive and significant effect on purchasing decisions. This means that every time there is an improvement in lifestyle, it will increase consumer purchasing decisions. This happens because of changes in increasingly modern times so that people compete to follow lifestyle trends. Then, consumer behavior (X2) has a positive and significant effect on purchasing decisions. This means that the higher the consumer behavior in generation Z, the higher the level of purchasing decisions. Generation z tends to be highly influenced by social factors and trends. Shopee, as an e-commerce platform that is popular among them, often displays the latest trends, viral products, and limited special offers. And provides easy and practical accessibility for generation z in Bandar Lampung. By using a smartphone and an internet connection, they can search, compare and buy the products they want. This makes it easier for them to fulfill their consumption needs and desires.

Pengaruh Brand Attachment Terhadap Customer Engagement dengan Brand Trust Sebagai Variabel Mediasi dalam Perspektif Manajemen Bisnis Syariah Indico Yudha Ardhana; Erike Anggraeni; Zathu Restie Utamie
El-Mal: Jurnal Kajian Ekonomi & Bisnis Islam Vol. 6 No. 8 (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.v6i8.9427

Brand attachment is a condition where consumers feel that the brand of a product represents and binds them in the sense that when the brand requires a constructive response, consumers will spontaneously provide and provide a positive response because of the experience they feel. This experience then makes consumers feel the need to be involved in developing the brand by being loyal to the brand and that loyalty makes trust in the brand maintained. The population in this study is the Way Kandis Community, Tanjung Senang District with the criteria that have been determined. The number of samples was 100 respondents. This research method is quantitative with online questionnaire data collection techniques through google form with the analysis method using a structural equation model approach with the SmartPLS 4 application. The results showed the results of Brand Attachment have a positive and significant effect on Customer Engagement, Brand Attachment has a positive and significant effect on Brand Trust, Brand Trust has a positive and significant effect on Customer Engagement, Brand Attachment has a positive and significant effect on Customer Engagement mediated by Brand Trust.

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