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Islamic Financial Management Behavior Mediates Sharia Financial Literacy and Investment Behavior Ardiansyah, Ardiansyah; Hamzah, Aksi; Karyono, Otong
EQUILIBRIUM Vol 12, No 1 (2024): EQUILIBRIUM
Publisher : Prodi Ekonomi Syariah Pascasarjana IAIN Kudus

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.21043/equilibrium.v12i1.24931

The main objective of this research is to contribute to the literature by focusing on the relationship between Islamic financial literacy and investment behavior while identifying the mediating effect of Islamic financial management behavior among millennial generations. This study adopts a quantitative research design. Data for this research were obtained through the distribution and completion of questionnaires by millennials in South Sulawesi. The questionnaire distribution took place over a span of 3 months (September-October 2023). The population in this study consists of millennials in South Sulawesi, and the sampling technique employed is purposive sampling. SmartPLS version 4 is utilized as the data analysis tool. The results of the research show that Sharia financial literacy has a positive and significant effect on Islamic financial management behavior, Islamic financial management behavior has a positive and significant effect on investment behavior, Islamic financial management behavior has a positive and significant effect in mediating the relationship between sharia financial literacy and investment behavior, and sharia financial literacy has no effect on investment behavior.

The Implementation of Khyar in Online Purchase and in Increasing Costumers Satisfaction kamir, Kamiruddin Amhy; Hamzah, Aksi; Nikmah Marzuki, Sitti; Kamaruddin
LAA MAISYIR: Jurnal Ekonomi Islam Vol.11 No.1 (2024)
Publisher : Universitas Islam Negeri Alauddin Makassar

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.24252/lamaisyir.v11i1.21674

This research aims at encouraging students to implement khyar in online transactions and creating its’ application model in order to obtain costumers satisfaction. The research was initiated due to the development of common online purchase and transactions whose applications are different from that of khyar. This can also potentially cause the business to lose its’ element of spiritual blessings and be susceptible to fraud and loss on the side of the costumers. The crucial issue found in the research is that what students learn at schools or campus in theories are not in line with what the application of kyar in real life. The nature of the research is descriptive and qualitative and its’ object is the implementation of khyar in online purchase and its’ data source is taken from students of the Faculty of Islamic Business and Economy who make online purchase and transactions. The instruments of research are observations, interviews and field records and data tabulation techniques used are editing, descriptions and interpretations. The result of the research shows that the conceptual implementation of the khyar is agreed upon by all of the students except for five of them. There are vendors who sold their products over someone else’s bargain and there are those who denied products return while according to Islam that practice should be allowed under the ruling of khyar.

Islamic Financial Management Behavior Mediates Sharia Financial Literacy and Investment Behavior Ardiansyah, Ardiansyah; Hamzah, Aksi; Karyono, Otong
EQUILIBRIUM Vol 12, No 1 (2024): EQUILIBRIUM
Publisher : Prodi Ekonomi Syariah Pascasarjana IAIN Kudus

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.21043/equilibrium.v12i1.24931

The main objective of this research is to contribute to the literature by focusing on the relationship between Islamic financial literacy and investment behavior while identifying the mediating effect of Islamic financial management behavior among millennial generations. This study adopts a quantitative research design. Data for this research were obtained through the distribution and completion of questionnaires by millennials in South Sulawesi. The questionnaire distribution took place over a span of 3 months (September-October 2023). The population in this study consists of millennials in South Sulawesi, and the sampling technique employed is purposive sampling. SmartPLS version 4 is utilized as the data analysis tool. The results of the research show that Sharia financial literacy has a positive and significant effect on Islamic financial management behavior, Islamic financial management behavior has a positive and significant effect on investment behavior, Islamic financial management behavior has a positive and significant effect in mediating the relationship between sharia financial literacy and investment behavior, and sharia financial literacy has no effect on investment behavior.

PENGARUH ISLAMIC BRANDING TERHADAP KEPUTUSAN PEMBELIAN PASTA GIGI SASHA DENGAN BRAND LOYALTY SEBAGAI VARIABEL INTERVENING RINDIANI, RINDIANI; HAMZAH, AKSI
Islamic Economic and Business Journal Vol. 6 No. 2 (2024): Islamic Economic and Business Journal
Publisher : Institut Agama Islam Negeri (IAIN) Bone

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.30863/iebjournal.v6i2.7636

Tujuan dari penelitian ini adalah untuk mengetahui khususnya bagi pengguna pasta gigi di Kabupaten Bone, pengaruh Islamic branding terhadap keputusan pembelian pasta gigi merek Sasha, dengan brand loyalty sebagai variabel intervening. Penelitian ini menggunakan teknik kuantitatif dalam penelitian lapangan. Populasi penelitian adalah masyarakat pengguna pasta gigi Sasha di Kabupaten Bone.Â Seratus partisipan dipilih dengan menggunakan teknik purposive sampling dalam non-probability sampling untuk dijadikan sampel penelitian. Responden diberikan kuesioner skala Likert sebagai bagian dari proses pengumpulan data. Selanjutnya, informasi dikumpulkan dan dianalisis dengan menggunakan perangkat lunak Excel, pengujian model eksternal dan internal, dan pada akhirnya, pengujian hipotesis melalui penggunaan program smart-pls. Berdasarkan temuan penelitian, (1) Islamic branding secara signifikan dan menguntungkan mempengaruhi keputusan pembelian konsumen. (2) Brand loyalty dipengaruhi secara positif dan signifikan oleh Islamic branding. (3) Keputusan pembelian dipengaruhi secara positif dan signifikan oleh Brand loyalty. (4) Melalui Brand loyalty, Islamic branding mempengaruhi keputusan pembelian konsumen secara signifikan dan menguntungkan.Â The aim of this research is to find out, especially for toothpaste users in Bone Regency, the influence of Islamic branding on the decision to purchase Sasha brand toothpaste, with brand loyalty as an intervening variable. This research uses quantitative techniques in field research. The research population is people who use Sasha toothpaste in Bone Regency.Â One hundred participants were selected using a purposive sampling technique in non-probability sampling to become the research sample. Respondents were given a Likert scale questionnaire as part of the data collection process. Next, information is collected and analyzed using Excel software, external and internal model testing, and finally, hypothesis testing through the use of the smart-pls program. Based on research findings, (1) Islamic branding significantly and beneficially influences consumer purchasing decisions. (2) Brand loyalty is positively and significantly influenced by Islamic branding. (3) Purchasing decisions are influenced positively and significantly by brand loyalty. (4) Through brand loyalty, Islamic branding influences consumer purchasing decisions significantly and profitably.

Konsep Maslahah pada Penyaluran Kredit Konsumtif Latifah, Andi Nur; Hamzah, Aksi; Munawarah, Munawarah
Islamic Banking and Finance Vol. 4 No. 2 (2024)
Publisher : Faculty of Islamic Economics and Business

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.30863/ibf.v4i2.5500

Tujuan penelitian ini adalah untuk mengetahui prosedur penyaluran kredit konsumtif dan implementasi konsep maslahah pada penyaluran kredit konsumtif. Penelitian ini menggunakan pendekatan kualitatif, teknik pengumpulan data yang digunakan adalah observasi, wawancara, dan dokumentasi. Subjek penelitian ini adalah karyawan PT. Bank Sulselbar Watampone dan objek penelitian adalah produk kredit konsumtif. Adapun teknik analisis data yang digunakan adalah reduksi data, penyajian data dan penarikan kesimpulan. Hasil penelitian menunjukkan bahwa: (1) Prosedur dalam penyaluran kredit konsumtif sudah terstruktur telah tertuang dalam dokumen yang sah, serta dalam pengelolaan penyaluran kredit konsumtif prosedur tersebut menjadi acuan sampai dengan tahapan akad serta pada tahapan angsuran kredit di mana pada PT. Bank Sulselbar Watampone memiliki enam persyaratan dan tujuh prosedur yang harus dilewati. (2) Implementasi Konsep maslahah pada penyaluran kredit konsumtif dalam menyalurkan kredit konsumtif PT. Bank Sulselbar Watampone hanya melihat kemaslahahtan dari sisi pemenuhan kebutuhan dan keinginan memiliki dana tambahan yang bersifat konsumtif.Â

Perilaku Investasi Saham Syariah Generasi Milenial Di Era 5.0 Ardiansyah, Ardiansyah; Hamzah, Aksi; Karyono, Otong
Jurnal Ilmiah Al-Tsarwah Vol. 7 No. 1 (2024)
Publisher : Institut Agama Islam Negeri (IAIN) Bone

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.30863/al-tsarwah.v7i1.6423

ABSTRACTThe aim of this research is to analyze the influence of each variable, namely attitudes, subjective norms, perceived behavioral control, and Islamic financial management behavior on investment behavior, the influence of each variable, namely attitude, subjective norms, and perceived behavioral control on financial management behavior. Islamic, the influence of each variable, namely attitudes, subjective norms, and perceived behavioral control on investment behavior through the mediation of Islamic financial management behavior. This type of research is quantitative research for the methodological aspect and a sharia economic approach for the scientific aspect. Data collection methods use questionnaires and interviews. The population in this study was the millennial generation in South Sulawesi using a sample of 180 respondents. These data were tested using the Structural Equation Modeling (SEM) technique with the help of the SmartPLS Version 4 analysis tool. The research results showed that attitudes, subjective norms and perceived behavioral control each had no effect on investment behavior. Islamic financial management behavior has a positive and significant effect on investment behavior. Attitudes and subjective norms each have a positive and significant effect on Islamic financial management behavior, while perceived behavioral control has no effect. Attitudes and subjective norms each influence investment behavior through the mediation of Islamic financial management behavior, while perceived behavioral control has no effect. This research has the implication that seminars on sharia finance must be carried out more actively and investment galleries and stock communities in each city/district need to be formed so that the opportunity to increase the number of sharia stock investors will be greater. Keywords: Attitude, Subjective Norms, Behavioral Control, Investment Financial Management.

Strategi Pemasaran Produk Tabungan Emas Dalam Upaya Menarik Minat Nasabah (Studi Pada Pegadaian Syariah Bone) Sarina, Sarina; Hamzah, Aksi; Masyhuri, Masyhuri
Mutiara: Multidiciplinary Scientifict Journal Vol. 2 No. 5 (2024): Multidiciplinary Scientifict Journal
Publisher : Al Makki Publisher

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.57185/mutiara.v2i5.188

Skripsi ini membahas mengenai bagaimana strategi pemasaran produk tabungan emas dalam upaya menarik minat nasabah (studi pada pegadaian syariah bone)”. Jenis penelitian yang digunakan dalam penelitian ini adalah penelitian lapangan (field) dengan menggunakan pendekatan kualitatif yang didukung dengan metode wawancara, observasi dan dokumentasi dalam mengumpulkan data yang diperlukan. Data yang diperoleh dianalisis dengan menggunakan analisis deskriptif kualitatif dengan tiga tahap yaitu tahap reduksi data, penyajian data dan penarikan kesimpulan. Hasil penelitian menunjukkan bahwa Strategi pemasaran produk tabungan emas yang diterapkan Pegadaian Syariah Bone yaitu menggunakan promosi penjualan (advertising) melalui media sosial, dan promosi penjualan pribadi (personal selling) yaitu melakukan promosi kepada lingkungan terdekat (keluarga dan teman). Namun penerapan strategi tersebut kurang optimal, sehingga kurang mampu menarik minat nasabah terhadap produk tabungan emas. Minat nasabah pada produk tabungan emas di Pegadaian Syariah Bone bervariasi, tergantung pada preferensi dan kebutuhan nasabah. Beberapa nasabah yang berminat karena tabungan emas sebagai investasi yang stabil, aman, liquid, tahan inflasi, biaya yang terjangkau, tidak terpengaruh oleh suku bunga. Namun sebagian besar nasabah menyatakan tidak berminat disebabkan oleh situasi keuangan individu dan nilai estetika. Strategi pemasaran produk tabungan emas yang dilakukan Pegadaian Syariah Bone untuk menarik minat nasabah yaitu menggunakan strategi promosi, cross selling dan up selling. Dengan strategi tersebut mampu meningkatkan minat nasabah terhadap produk tabungan emas di Pegadaian Syariah Bone.

Micro and Small Business Owners' Reluctance towards Halal Certification in Culinary Sector Wahyuninsi, Wahyuninsi; Razak, Syaparuddin; Hamzah, Aksi; Husain, Hukmiah
Journal of Research and Multidisciplinary Vol 7 No 2 (2024): Journal of Research and Multidisciplinary
Publisher : Lembaga Sembilan Tiga Community

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.5281/jrm.v7i2.101

This study investigates the reluctance of micro and small business actors towards halal certification in the culinary sector, as well as the influencing factors. Data were collected through questionnaires, documents, literature, and secondary data from 218 respondents in South Sulawesi. The analysis employed Structural Equation Modeling (SEM) with the Partial Least Squares (PLS) Path Modeling approach using SmartPLS 4. Findings indicate a strong relationship between Lack of Socialization and Reluctance towards Halal Certification, weak subjective norms influencing decisions, as well as low intentions and trust levels. Low halal literacy also poses a constraint. There is a necessity for intensive socialization programs and social interactions influencing positive participation in adopting halal certification. This research provides profound insights for development strategies and policies aimed at enhancing the participation of micro and small business actors in the culinary sector, supporting the Islamic/Sharia economy, particularly in halal culinary businesses.

MODERASI LINGKUNGAN ISLAMI PADA SIKAP HEDONISME DAN KONFORMITAS TEMAN SEBAYA TERHADAP PERILAKU KONSUMTIF GENERASI ZILENIAL Amreni, Firda; Hamzah, Aksi; Shadriyah, Shadriyah
Jurnal Bisnis dan Manajemen (JBM) JBM Vol 20 (2024): Issue 2
Publisher : Faculty of Economics and Business University of Lampung

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.23960/jbm.v20i2.2736

The Zillenial generation, born during a period of rapid technological advancement, is navigating an increasingly complex social environment where hedonism and peer conformity significantly influence their consumptive behaviors. Additionally, the Islamic environment plays a notable role in shaping these behaviors. This study aims to explore how the Islamic environment moderates the effects of hedonism and peer conformity on the consumptive behavior of the Zillenial generation in Ulaweng District. The research sample consisted of 120 individuals. This field study employs a quantitative approach. The findings reveal a significant impact of both hedonism and peer conformity on the consumptive behavior of the Zillenial generation in Ulaweng District. However, the Islamic environment does not moderate the relationship between hedonistic attitudes and consumptive behavior. Conversely, the Islamic environment does moderate the influence of peer conformity on the consumptive behavior of the Zillenial generation. Keywords: : Zilenial Generation, Hedonism, Peer Conformity, Consumptive Behavior, Islamic Environment. Abstrak Generasi zilenial dapat diakatakan dilahirkan dalam era teknologi yang berkembang pesat, dan Dalam konteks sosial yang semakin kompleks ini, sikap hedonisme dan konformitas terhadap teman sebaya menjadi faktor lain yang memainkan peran penting dalam membentuk perilaku konsumtif generasi zilenial. Selain itu, lingkungan islami, juga memiliki dampak yang signifikan terhadap perilaku konsumtif. Penelitian bertujuan untuk mengetahui bagaimana lingkungan islami itu apakah dapat memoderasi sikap hedonisme dan konformitas teman sebaya terhadap perilaku konsumtif generasi zilenial yang ada di Kecamatan Ulaweng. Sampel dalam penelitian ini berjumlah 120 orang. Penelitian ini merupakan penelitian lapangan, pendekatan dalam penelitian ini pendekatan kuantitatif. Berdasarkan hasil dari penelitian ini dapat disimpulkan bahwa terdapat pengaruh antara sikap hedonisme dan konformitas teman sebaya terhadap perilaku konsumtif generasi zilenial di Kecamatan Ulaweng. Sedangakan lingkungan islami belum memoderasi hubungan antara sikap hedonisme terhadap perilaku konsumtif generasi zilenial. Dan lingkungan islami memoderasi hubungan antara konformitas teman sebaya terhadap perilaku konsumtif generasi zilenial. Kata Kunci : Generasi Zilenial, Sikap Hedonisme, Konformitas Teman Sebaya, Perilaku Konsumtif, Lingkungan Islami.

Implementasi Prinsip Ekonomi Syariah dalam Tradisi Pesta Panen di Desa Mario Kec.Dua Boccoe Kab.Bone Sahriana, Sahriana; Hamzah, Aksi; Munawarah, Munawarah
IKRAITH-EKONOMIKA Vol. 8 No. 1 (2025): IKRAITH-EKONOMIKA Vol 8 No 1 Maret 2025
Publisher : Universitas Persada Indonesia YAI

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

Penelitian ini menganalisis hubungan dan penerapan prinsip ekonomi syariah dalam tradisi pesta panen di Desa Mario. Menggunakan metode kualitatif melalui wawancara dengan petani, aparat desa, dan pemangku adat, penelitian ini menemukan bahwa pesta panen adalah tradisi turun-temurun yang mencerminkan rasa syukur, memperkuat ikatan sosial, serta memiliki dampak ekonomi melalui sistem patungan dan keterlibatan usaha kecil. Meskipun ada perbedaan pandangan, mayoritas masyarakat tetap mempertahankannya sebagai bagian dari identitas budaya. Tradisi ini berhubungan dengan hasil panen sebagai ungkapan syukur, bukan faktor penentu keberhasilan pertanian. Selain itu, pesta panen selaras dengan prinsip ekonomi syariah, seperti ketauhidan, keadilan, khilafah, dan kemaslahatan, menjadikannya lebih dari sekadar perayaan, tetapi juga manifestasi nilai sosial, ekonomi, dan spiritual bagi kesejahteraan masyarakat.

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