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All Journal Analisis: Jurnal Studi Keislaman Al-Iqtishad : Jurnal Ilmu Ekonomi Syariah (Journal of Islamic Economics) Jurnal Akuntansi dan Pajak Jurnal Ilmiah Ekonomi Islam Li Falah: Jurnal Studi Ekonomi dan Bisnis Islam NISBAH: JURNAL PERBANKAN SYARIAH ILTIZAM Journal of Sharia Economic Research FIDUSIA : JURNAL KEUANGAN DAN PERBANKAN Ad-Deenar: Jurnal Ekonomi dan Bisnis Islam JESI (Jurnal Ekonomi Syariah Indonesia) At-tijaroh: Jurnal Ilmu Manajemen dan Bisnis Islam Jurnal Mantik Economic Education and Entrepreneurship Journal El-Usrah: Jurnal Hukum Keluarga Jurnal Ilmiah Edunomika (JIE) Al-Muqayyad Revenue: Jurnal Manajemen Bisnis Islam Jurnal Ilmu Perbankan dan Keuangan Syariah Jurnal Disrupsi Bisnis Jurnal Ilmu Ekonomi dan Bisnis Islam Jurnal Terapan Manajemen dan Bisnis Al-Mashrof: Islamic Banking and Finance Al-Mu'awanah Bulletin of Community Engagement Golden Ratio of Finance Management Salam (Islamic Economics Journal) Cakrawala: Jurnal Studi Islam Jurnal Akuntansi, Manajemen Dan Ekonomi Islam (JAM-EKIS) International Business and Accounting Research Journal Mutanaqishah: Journal of Islamic Banking Indonesian Journal of Islamic Economics and Finance KENDALI: Economics and Social Humanities Bukhori: Kajian Ekonomi dan Keuangan Islam Jurnal Penelitian dan Pengabdian Masyarakat Majapahit Journal of Islamic Finance dan Management Al-Kharaj: Jurnal Ekonomi, Keuangan & Bisnis Syariah Majapahit Journal of Islamic Finance dan Management Jurnal Rekognisi Ekonomi Islam (JREI) Jurnal Ekonomi, Manajemen, Akuntansi BAABU AL-ILMI: Ekonomi dan Perbankan Syariah Matrik: Jurnal Manajemen, Strategi Bisnis, Dan Kewirausahaan
Gustika Nurmalia
Universitas Islam Negeri Raden Intan Lampung
Religion Agriculture, Biological Sciences & Forestry Arts Humanities Computer Science & IT Decision Sciences, Operations Research & Management Economics, Econometrics & Finance Education Environmental Science Industrial & Manufacturing Engineering Languange, Linguistic, Communication & Media Law, Crime, Criminology & Criminal Justice Social Sciences Other

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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

Abstract

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.
Influence Perceived Ease of Use, Perceived Usefulness and Social Influence Against Intention to Use Video on Demand Services at Netflix Sari, Tri Novita; Purnamasari, Femei; Nurmalia, Gustika
Indonesian Journal of Islamic Economics and Finance Vol. 5 No. 1 (2025)
Publisher : Institut Agama Islam Sunan Giri Ponorogo

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.37680/ijief.v5i1.7090

Abstract

As the number of users of Video on Demand services such as Netflix continues to grow, interest in examining the factors that influence the intention to use these platforms is also increasing. This inquiry aims to explore consumer behavior toward such services from the perspective of Islamic Economics and to analyze the effects of perceived usefulness, perceived ease of use, and social influence on the intention to use Netflix among residents of Sukarame, Bandar Lampung. A quantitative approach was employed, using purposive sampling to select 96 respondents. The data were analyzed using the Structural Equation Modeling Partial Least Square method. The discoveries indicate that all three independent element s perceived usefulness, ease of use, and social influence have a positive and significant impact on the intention to use Netflix. These outcomes can serve as a valuable reference for service providers seeking to improve user experience and for scholars conducting further research on technology adoption within an Islamic framework.
Pendampingan Branding Produk UMKM Opak Singkong di Desa Cilimus Kecamatan Teluk Pandan Kabupaten Pesawaran Lampung Nurmalia, Gustika; Astarika, Dela; H, Clarissa Novianti; Handayani, Ani
Jurnal Penelitian dan Pengabdian Masyarakat Vol. 1 No. 4 (2023): November 2023
Publisher : Yayasan Pondok Pesantren Sunan Bonang Tuban

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.61231/jp2m.v1i4.151

Abstract

This community service activity aims to provide assistance to MSME actors in providing knowledge about product branding to increase buyer attraction and selling value of Opak Singkong MSMEs in Cilimus Village, Teluk Pandan District, Pesawaran Regency, Lampung. This activity is held through face-to-face training (On the spot training) with methods that include lectures, question and answer sessions, and assignments to participants. Product branding assistance is a very important effort in increasing buyer attraction and selling value of opaque cassava MSME products in Cilimus Village, Teluk Pandan District, Pesawaran Regency. Through this activity, MSME participants are given a better understanding of the importance of branding in building consumer trust in products. The result is an improvement in logo design that fits their brand and products, as well as the ability to market products more effectively.
Pendampingan Sumber Tanaman Pangan Obat ( Tanobat ) di Desa Cilimus Kecamatan Teluk Pandan Kabupaten Pesawaran Lampung Nurmalia, Gustika; Bittaqwa, Bry Bima; Azizah, Novi Nur
Jurnal Penelitian dan Pengabdian Masyarakat Vol. 2 No. 2 (2024): May 2024
Publisher : Yayasan Pondok Pesantren Sunan Bonang Tuban

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.61231/jp2m.v2i2.253

Abstract

The aim of the service is to provide socialization and implementation of the concept of combining food and medicinal plants in the context of stunting prevention and the use of traditional herbal ingredients. in Cilimus Village. The research method involves outreach and training activities for the community regarding the benefits and use of various plants, such as eggplant to prevent stunting, chilies to enrich dishes, and ginger as a herbal concoction. The results of the service show that Tanobat is able to have a positive impact, both in efforts to prevent stunting through the introduction of eggplant, and in the use of traditional herbal ingredients such as ginger. The people of Cilimus Village are increasingly aware of the added value of food and medicinal plants, and appreciate their traditional herbal heritage. The conclusion is that the introduction of the Tanobat concept can strengthen community empowerment by improving health and welfare through easily accessible food and medicinal plants, as well as maintaining valuable herbal traditions. This effort supports the goals of sustainable development and improving the quality of life of the community
Financial Management Practices of Mosques in Indonesia: Is Self-Control Important for Moderation? Habibi, Ahmad; Syarif, Ahmad Hazas; Normasyhuri, Khavid; Nurmalia, Gustika
Al-Iqtishad: Jurnal Ilmu Ekonomi Syariah Vol. 15 No. 2 (2023)
Publisher : UNIVERSITAS ISLAM NEGERI SYARIF HIDAYATULLAH JAKARTA

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.15408/aiq.v15i2.34865

Abstract

Abstract. This study aims to optimize the allocation of financial resources for religious institutions in Indonesia, focusing on Lampung Province context. The quantitative methods with Smart PLS fi.0 examine the relationship between financial knowledge, financial attitudes, and the influence of self-control on financial management. This aims to determine whether self-control can improve or hinder financial management. 500 respondents were selected randomly. Those who are involved as administrators of religious organizations in mosques in Lampung. Data was collected using a Google form and using a Likert Scale. Research findings show a positive relationship between financial knowledge, financial attitudes, and financial management. Self-control can improve the relationship between financial knowledge and financial attitudes towards the financial management of religious institutions. Furthermore, self-control can improve the relationship between financial knowledge and financial attitudes in the financial administration of religious institutions. Abstrak. Penelitian ini bertujuan untuk mengoptimalkan alokasi sumber daya keuangan bagi lembaga keagamaan di Indonesia, dengan fokus pada konteks Provinsi Lampung. Metode kuantitatif dengan Smart PLS fi.0 digunakan untuk menguji hubungan pengetahuan keuangan, sikap keuangan, dan pengaruh pengendalian diri terhadap pengelolaan keuangan. Hal ini bertujuan untuk mengetahui apakah pengendalian diri dapat meningkatkan atau menghambat pengelolaan keuangan. 500 responden dipilih secara acak. Responden adalah orang yang terlibat sebagai pengurus organisasi keagamaan di masjid-masjid di Lampung. Data dikumpulkan dengan menggunakan Google form dan menggunakan Skala Likert. Temuan penelitian menunjukkan adanya hubungan positif antara pengetahuan keuangan,sikap keuangan, dan pengelolaan keuangan. Pengendalian diri dapat meningkatkan hubungan antara pengetahuan keuangan dan sikap keuangan terhadap pengelolaan keuangan lembaga keagamaan. Selanjutnya pengendalian diri dapat meningkatkan hubungan antara pengetahuan keuangan dan sikap keuangan dalam pengelolaan keuangan lembaga keagamaan.
The Impact of Third-Party Funds, Capital Adequacy, and Operational Costs on Financing Distribution Awang Ulianti; Gustika Nurmalia
Mutanaqishah: Journal of Islamic Banking Vol. 5 No. 2 (2025): July - December
Publisher : Department of Islamic Banking

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.54045/mutanaqishah.v5i2.2857

Abstract

Purpose – This study aims to determine the impact of third-party funds, Capital Adequacy Ratio, and operating expenses on operating income (BOPO) in the distribution of financing at PT. BPRS Mitra Agro Usaha Bandar Lampung during the period 2014-2024. Methodology – The approach used in this study is quantitative, employing a multiple linear regression analysis method with the EViews 10 program. The data analyzed are secondary data derived from the bank's annual financial statements in the last eleven years. Findings – The results showed that the variable deposits have a positive and significant impact on the distribution of financing. On the other hand, CAR showed a negative and significant impact on the distribution of financing. Meanwhile, BOPO has a positive and significant influence on the distribution of financing. Simultaneously, DPK, CAR, and BOPO have a significant influence on the distribution of financing at PT. BPRS Mitra Agro Usaha Bandar Lampung. Implications – The results of this study are expected to serve as the basis for management considerations at PT. BPRS Mitra Agro Usaha Bandar Lampung is optimizing the collection of deposits and operational efficiency to improve the distribution of financing. In addition, these findings can also serve as a reference for regulators in formulating policies that support the stability and sustainable growth of Shariah rural banks. Originality – This study demonstrates originality in assessing the simultaneous influence of DPK, CAR, and BOPO on the distribution of financing at BPRS, a topic that is still rarely explored specifically in the context of PT. BPRS Mitra Agro Usaha Bandar Lampung.
Customer Expectations And Service Recovery As Determinants Of Loyalty: The Mediating Role Of Customer Satisfaction In Tiktok Shop By Tokopedia Nurrohmah, Nurul; Hanif, Hanif; Nurmalia, Gustika
At-tijaroh: Jurnal Ilmu Manajemen dan Bisnis Islam Vol 11, No 2 (2025): DESEMBER 2025
Publisher : Universitas Islam Negeri Syekh Ali Hasan Ahmad Addary Padangsidimpuan

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.24952/tijaroh.v11i2.17337

Abstract

This study examines how Customer Expectation and Service Recovery affect Customer Loyalty, with Customer Satisfaction as a mediator, among TikTok Shop by Tokopedia users from an Islamic business perspective. Due to increasing e-commerce competition in Indonesia, businesses must meet expectations and recover services effectively. Using a quantitative approach, questionnaires were distributed to 96 Generation Z respondents in Bandar Lampung, and data were analyzed via SEM-PLS. Results showed Customer Expectation significantly impacts Customer Satisfaction but not directly Customer Loyalty. Service Recovery positively affects both Satisfaction and Loyalty. Satisfaction mediates between Expectation and Recovery's effect on Loyalty. Findings highlight the importance of transparency, quick recovery, and fair complaint handling to boost satisfaction and loyalty. From an Islamic view, this aligns with justice, honesty, and responsibility, aiming for long-term benefits beyond profit.
Transformasi Digital UMKM Desa Kedaung: Strategi Penguatan Ekonomi Masyarakat Ridwansyah; Nurmalia, Gustika; Mutiasari Nur Wulan; M Ammar Firas Wafiq
Al-Mu'awanah: Jurnal Pengabdian kepada Masyarakat Vol 6 No 2 (2025): Desember 2025
Publisher : Universitas Islam Negeri Raden Intan Lampung

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.24042/2e6jya79

Abstract

The rapid growth of the digital economy presents significant opportunities for strengthening the economic resilience of rural communities; however, many rural micro, small, and medium enterprises (MSMEs) continue to face constraints in digital literacy and technology utilization. This community service program aimed to enhance the digital capacity of MSME actors in Kedaung Village through structured training and intensive mentoring on digital literacy, online marketing, and digital payment systems. The program employed a Participatory Action Research (PAR) approach involving 30 MSME participants and was implemented through stages of needs assessment, training, mentoring, and evaluation. The results demonstrated a substantial improvement in participants’ digital literacy, with average scores increasing from 48% in the pre-test to 82% in the post-test. Furthermore, 67.5% of participants successfully established online marketplace accounts, 87.5% actively utilized social media for product promotion, and 50% adopted QRIS as a digital payment method. These findings indicate that practice-based training combined with continuous mentoring effectively accelerates digital adoption among rural MSMEs. The program contributes to the development of a sustainable digital village model by strengthening MSME competitiveness, expanding market access, and supporting inclusive rural economic growth. Keywords: digital literacy; rural community empowerment; MSMEs; digital economy; QRIS
Pengaruh Pendidikan Keuangan di Keluarga, Financial Literacy dan Financial Self Efficacy terhadap Financial Management Behavior pada Mahasiswa Kota Bandar Lampung: Perspektif Manajemen Syariah Solehah, Azmi Fadhilatus; Bahrudin, Moh.; Nurmalia, Gustika
Jurnal Disrupsi Bisnis Vol. 8 No. 6 (2025): Jurnal Disrupsi Bisnis
Publisher : Prodi Manajemen, Fakultas Ekonomi, Universitas Pamulang

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.32493/drb.v8i6.55009

Abstract

Penelitian ini bertujuan adalah untuk menganalisis pengaruh antara pendidikan keuangan di keluarga, financial literaci dan financial self-efficacy terhadap financial management behavior pada mahasiswa kota Bandar Lampung dalam perspektif manajemen syariah. Penelitian ini menggunakan pendekatan mix method dengan design concurent embeded. Metode pengambilan sampel menggunakan teknik purposive sampling sempel dihitung menggunakan rumus lemeshow sebanyak 97 sampel. Data dianalisis menggunakan aplikasi SMART PLS4. Hasil penelitian menunjukkan pendidikan keuangan di keluarga berpengaruh positif dan signifikan terhadap financial management behavior pada mahasiswa di Kota Bandar Lampung, financial literacy berpengaruh positif dan signifikan terhadap financial management behavior  pada mahasiswa di Kota Bandar Lampung. Sedangkan, financial self-efficacy tidak berpengaruh signifikan terhadap financial management behavior. Namun, secara simultan ketiga variabel independen tersebut tetap berpengaruh signifikan dengan kontribusi sebesar 61,5% terhadap variabel financial management behavior. Penelitian ini menegaskan bahwa pendidikan keuangan di keluarga dan literasi keuangan lebih efektif berperan dalam pengelolaan keuangan sehari-hari dibandingkan dengan hanya keyakinan individu itu sendiri terhadap kemampuannya dalam mengelola keuangan sebab tidak secara otomatis menentukan perilaku pengelolaan keuangan yang baik. Serta dilihat dari perspektif manajemen syariah disimpulkan bahwa pendidikan keuangan di keluarga, financial literacy dan financial self-efficacy memiliki peran signifikan dalam membentuk financial management behavior, hal ini sesuai dengan akuntabilitas dan tanggung jawab atas amanah harta sehingga mendukung pengelolaan keuangan yang sesuai prinsip halal, beretika dan berkelanjutan.
Tourism Transition and Green Economy: Inspire or Prevent People's Income in The Covid-19 Shock? Normasyhuri, Khavid; Noviarita, Heni; Kurniawan, Muhammad; Nurmalia, Gustika
MATRIK: JURNAL MANAJEMEN, STRATEGI BISNIS, DAN KEWIRAUSAHAAN Vol. 17 No. 2 (2023)
Publisher : Faculty of Economics and Business Udayana University

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.24843/MATRIK:JMBK.2023.v17.i02.p03

Abstract

The COVID-19 pandemic, which resulted in the destruction of all existing regulatory systems, faced many obstacles, especially in the field of tourism, including tourism villages. The Green Economy concept is expected to be a way out and a bridge between people's income growth, social justice and environmental friendliness. This research was conducted with the aim of analyzing the green economy transition in tourism, especially tourist villages, whether it is able to provide inspiration or actually prevent an increase in people's income in conditions of the COVID-19 shock. This study develops a model to see the relationship between green economy and people's income. Quantitative in this study used SmartPLS 3.0 in analyzing data obtained from 600 respondents through the observation stage and a list of questions given. The research was carried out in tourist villages in West Java and Lampung Provinces carried out in the context of COVID-19. This study found thatthe transition of a tourist village with the concept of green economy has a strong influence in increasing the income of rural tourism communities in conditions of the COVID-19 shock. This is because, tourist villages with the concept of green economy are able to create a special attraction for tourists the design of a tourist village is carried out in accordance with the surrounding natural conditions and the habits of life of the people so that the tourist village is eyed by many foreign tourists as well as local tourists and when tourists come, of course there will be an economic turnover in the village and implications for the local community economically, socio-culturally and the surrounding environment.
Co-Authors A, Novia A. Kumedi Ja’far A. Zuliansyah Agus Kurniawan Agus Kurniawan Ahmad Habibi ahmad habibi Ahmad Habibi Ahmad Hazas Syarif Ahmad, Syukron Aina Nur Ajizah, Syifa Akbar, Tulus Rizkon Andita, Maulian Andriansyah Bastian Andriyani, Rizki Anggareni, Erike Anggi Fadila Anggrayani, Viki Any Eliza Apita Sari Arisca, Nurmalita Asriani Asriani Asriani Asriani, Asriani Assya Octafany Astarika, Dela aulia, zahara Awang Ulianti Ayasar, Prayogi Putra Azizah, Novi Nur Bahrudin, Moh Bahrudin, Moh. Bittaqwa, Bry Bima Dalimunthe, Nindytia Puspitasari Dedi Satriawan Dewi Tradena Dinda Fali Rifan Dini Anggraini, Dini Erike Anggraeni Farhana, Nur Laila Femei Purnamasari, Femei H, Clarissa Novianti Handayani, Ani Hanif Hanif Heni Noviarita Herfina, Inne Dwi Heri, Mad Irfansyah, Nanda Iva Faizah Juwita, Safna Khavid Normasyhuri Kori Saumanisa M Ammar Firas Wafiq Mardhiyah Hayati Marfilia, Alda Mariska, Uut Maulian Andita Moh. Bahrudin Muhammad Iqbal Fasa Muhammad Kurniawan Muhammad Kurniawan Mutiasari Nur Wulan Mutiasari Nur Wulan Normasyhuri, Khavid Novia A Nur'aini, Aninda Nurhidayah, Wulan Nurrohmah, Nurul Nurul Husna octafany, assya Putri Dwi Alfiani Putri Monica Sari Putri, Aprila Sari Ardini Rahmadani, Widia Rahman, Nabilli Ramadhan, Andika Dian Ramadhani, Mutiara Repika Reza Amanda Bahtiari Reza, Aditya Okta Ridwansyah Ridwansyah Ridwansyah Ruslan Abdul Ghofur Sari, Defya Sari, Putri Wulan Solehah, Azmi Fadhilatus Suhendar, S. Susanto, Is Syarif, Hazas Syukron Ahmad Tedi Rusman Tri Novita Sari, Tri Novita Ujang Hanief Musthofa Wahyu Iryana Wulan, Mutiarasari Nur Wulan, Mutiasari Nur Yudhistira Ardana Yudhistira Ardana, Yudhistira Zathu Restie Utamie Zuliansyah, A