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All Journal Jurnal Ilmiah Ekonomi Islam El-kahfi : Journal of Islamic economics GREENOMIKA
Rizky Windar Amelia
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Decision Sciences, Operations Research & Management Economics, Econometrics & Finance Social Sciences

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Environmental Disclosure: Perbankan Konvesional dan Perbankan Syariah Rizky Windar Amelia; Syska Lady Sulistyowatie; Sigit Adhi Pratomo; Rismanto Gatot Trisilo
El-Kahfi | Jurnal Ekonomi Islam Vol 5 No 01 (2024): economics and islamics economics
Publisher : Sekolah Tinggi Ekonomi Syariah Manna Wa Salwa

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.58958/elkahfi.v5i01.226

Abstract

Sebagai perusahaan yang melayani berbagai kebutuhan finansial, perbankan memiliki efek sosial dan ekonomi yang signifikan. Walaupun dampak lingkungan tidak menjadi perhatian utama, bisnis perbankan mempunyai hubungan yang tidak langsung dengan lingkungan jika melihat bagaimana bisnis ini beroperasi. Dengan mengeluarkan sustainability report, perusahaan dapat melakukan pembangunan berkelanjutan secara transparan dan terukur. Tujuan riset ini adalah untuk mendeskripsikan perbedaan perbankan konvensioanl dengan perbankan syariah dalam pengungkapan lingkungan dengan menggunakan indeks GRI. Pada riset ini, penulis memakai pendekatan systematic literature review dengan metode penelitian kualitatif deskriptif. Proses pengumpulan dari referesnsi literature ilmiah, seperti buku, artikel jurnal maupun dari laporan lembaga resmi. Pada riset ini, teknik analisis data yang dipakai ialah dengan analisis konten. Hasil riset ini menunjukkan bahwa proses pengungkapan lingkungan yang dilakukan perbankan konvensional lebih luas jika dibandingkan dengan perbankan syariah. Namun, pengungkapan lingkungan yang disajikan perbankan syariah memiliki kualitas isi laporan yang lebih berkualitas dibandingkan dengan perbankan konvensional.
The Effect of 11% VAT on the Consumer Purchasing Power of Beauty Products in Klaten Regency Rizky Windar Amelia
GREENOMIKA Vol. 6 No. 2 (2024): GREENOMIKA
Publisher : Universitas Nahdlatul Ulama Sidoarjo

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.55732/unu.gnk.2024.06.2.8

Abstract

The online business continues to increase, the government has issued legal policies, one of them is VAT policy. The government also officially increased VAT from 10% to 11%. This VAT policy directly increases the value of goods because consumers bear the VAT. This study aims to analyze the effect of 11% VAT on the purchasing power of beauty products in Klaten Regency. This research uses a quantitative method with regression analysis. The sampling technique used was purposive sampling. Data was collected through a questionnaire distributed to 100 respondents who were consumers of beauty products in Klaten Regency. The data was analyzed using the t-statistical test and the coefficient of determination test (R2). Data processing in using SPSS software version 26.0 for Windows. The results of this sudy show that 11% VAT has a positive and significant effect on the purchasing power of beauty products in Klaten Regency. Based on the results of the analysis coefficient of determination R2, it shows that peoples purchasing power is influenced by 11% VAT by 5.7%. The remaining 94.3% is influenced by other variables not discussed in the research. This research contributes to a deeper understanding of the impact of tax policy on communities and businesses at the local level, with the hope of providing guidance for more inclusive and sustainable policies in the future.
The Effect of 11% VAT on the Consumer Purchasing Power of Beauty Products in Klaten Regency Rizky Windar Amelia
GREENOMIKA Vol. 6 No. 2 (2024): GREENOMIKA
Publisher : Universitas Nahdlatul Ulama Sidoarjo

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.55732/unu.gnk.2024.06.2.8

Abstract

The online business continues to increase, the government has issued legal policies, one of them is VAT policy. The government also officially increased VAT from 10% to 11%. This VAT policy directly increases the value of goods because consumers bear the VAT. This study aims to analyze the effect of 11% VAT on the purchasing power of beauty products in Klaten Regency. This research uses a quantitative method with regression analysis. The sampling technique used was purposive sampling. Data was collected through a questionnaire distributed to 100 respondents who were consumers of beauty products in Klaten Regency. The data was analyzed using the t-statistical test and the coefficient of determination test (R2). Data processing in using SPSS software version 26.0 for Windows. The results of this sudy show that 11% VAT has a positive and significant effect on the purchasing power of beauty products in Klaten Regency. Based on the results of the analysis coefficient of determination R2, it shows that peoples purchasing power is influenced by 11% VAT by 5.7%. The remaining 94.3% is influenced by other variables not discussed in the research. This research contributes to a deeper understanding of the impact of tax policy on communities and businesses at the local level, with the hope of providing guidance for more inclusive and sustainable policies in the future.
THE INFLUENCE OF CUSTOMER RELIGIOSITY COMMITMENT ON CONTINUANCE INTENTION OF SHARIA MOBILE BANKING WITH TRUST IN MOBILE BANKING AS A MEDIATOR AMONG MILLENNIAL GENERATION IN KLATEN REGENCY Abdul Hadi Hari; Rizky Windar Amelia; Abdul Haris
Jurnal Ilmiah Ekonomi Islam Vol. 11 No. 03 (2025): JIEI : Vol. 11, No. 03, 2025
Publisher : ITB AAS INDONESIA Surakarta

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

Abstract

Abstract This study aims to analyze the influence of Consumer Religiosity Commitment on Sharia Mobile Banking Continuance Intention with Trust in Sharia Mobile Banking as a mediating variable. A quantitative approach was employed, with data collected through questionnaires from users of Sharia mobile banking services. The results of the analysis reveal that Consumer Religiosity Commitment has a positive and significant effect on Sharia Mobile Banking Continuance Intention (coefficient 0.672; t = 12.758; p < 0.001) and on Trust in Sharia Mobile Banking (coefficient 0.657; t = 11.891; p < 0.001). Furthermore, Trust in Sharia Mobile Banking also has a significant positive effect on Sharia Mobile Banking Continuance Intention (coefficient 0.695; t = 12.879; p < 0.001) and mediates the relationship between Consumer Religiosity Commitment and Sharia Mobile Banking Continuance Intention (mediation coefficient 0.456; t = 8.383; p < 0.001). The findings indicate that trust plays a pivotal role as a mediator in linking religiosity commitment with the intention to continue using Sharia mobile banking. Consumer trust in secure, reliable services aligned with Sharia principles strengthens the impact of religiosity on consumer loyalty. Managerial implications of this study highlight the importance for Islamic banks to enhance trust through features such as security, service transparency, and adherence to Sharia values. Additionally, marketing strategies emphasizing the alignment of services with religiosity values can foster loyalty and the sustained use of Sharia mobile banking services.
Co-Authors Abdul Hadi Hari Abdul Haris Rismanto Gatot Trisilo Sigit Adhi Pratomo Syska Lady Sulistyowatie