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ANALISIS HEDONIC SHOPPING MOTIVATION MASYARAKAT MENGGUNAKAN DOMPET DIIGITAL SHOPEE PAYLATER DALAM PERSPEKTIF SYARIAH Niken Rika Saputri; Sandra Dewi
Jurnal Ekonomi dan Bisnis Vol. 2 No. 10 (2024): Oktober
Publisher : ADISAM PUBLISHER

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Abstract

This thesis was written by Niken Rika Saputri, Nim 3320034 Student of the Sharia Banking Bachelor's Study Program, Faculty of Economics and Islamic Business, Bukittinggi State Islamic University. With the title "Analysis of Hedonic Shopping Motivation of People Using the Shopee PayLater Digital Wallet in a Sharia Perspective". The background of this research is to determine the hedonic shopping motivation of Shopee Paylater from a sharia perspective in the Sidodadi Limau Putu District community. West Pasaman, hedonic shopping motivation is the urge to shop based on desire, pleasure and pleasant experiences. This research aims to identify the hedonic shopping motivation of people who use Shopee Paylater from a sharia perspective.This research uses descriptive qualitative research methods and the research approach used is field research. The data collection techniques used were observation, questionnaires and interviews. Meanwhile, the data analysis techniques used are data reduction, data presentation, and drawing conclusions. The research results show that Shopee PayLater on the Shopee marketplace has a very bad impact on finances. Apart from having a bad impact on finances, Shopee PayLater also makes it easy for them to get used to debt and make purchases which can make them get used to debt and make purchases which can make them engage in consumptive habits. so it can cause them to buy impulsively because of Shopee PayLater with 'Buy now, Pay later'. Allah SWT forbids usury, where usury is an addition or increase that is prohibited in financial transactions according to Islamic sharia. Shopee PayLater gives interest to those who borrow, therefore using Shopee PayLater is Haram, because there are additional fees or excess of the amount lent in percent and monthly.
ANALISIS PERANAN CUSTOMER SERVICE DALAM MANAJEMEN KOMPLAIN CARD ATM (STUDI KASUS BSI KC PADANG IMAM BONJOL) Wulanda Putri Widy; Sandra Dewi
Jurnal Ekonomi dan Bisnis Vol. 2 No. 10 (2024): Oktober
Publisher : ADISAM PUBLISHER

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Abstract

The background to this research is to look at the role of customer service in managing ATM card complaints so that it can retain old customers and new customers to continue making transactions at BSI Bank KC Padang Imam Bonjol. The purpose of this research is to describe the role of Customer Service in ATM Card Complaint management. The role of Customer Service in Management of ATM Card complaints at BSI KC Padang Imam Bonjol has been implemented according to the SOP, namely serving customers by always giving a greeting and smile, providing good service to maintain the Bank's image. The research method used by the author here is qualitative research, with the key research informants being data collection, researchers using observation, interviews and documentation methods. The research results obtained from analyzing the role of Customer Service in managing ATM Card complaints at BSI KC Padang Imam Bonjol are that the role provided by Customer Service is good enough so that Customers feel safe and comfortable when making complaints to Customer Service because Customer Service always responds to customer complaints. quickly and precisely.
STRATEGI PROMOSI DALAM MENINGKATKAN JUMLAH JAMAAH PADA PT BONITA ANUGRAH PRATAMA BUKITTINGGI Resty Dila Aryanti; Sandra Dewi
Jurnal Ekonomi dan Bisnis Vol. 2 No. 10 (2024): Oktober
Publisher : ADISAM PUBLISHER

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Abstract

This study aims to examine the Promotion Strategy in Increasing the Number of Pilgrims at PT Bonita Anugrah Pratama Bukittinggi. The promotional strategy carried out to increase the number of pilgrims at Bonita Anugrah Pratama Bukittinggi by using SWOT analysis so as to increase the number of pilgrims and achieve company targets. The goal of the study is to use the SWOT matrix to identify opportunities, threats, vulnerabilities, and strengths in order to increase the number of pilgrims. The author of this work employed qualitative research as her research approach. This qualitative research method yields descriptive data in the form of observed behaviour and written or spoken language. gathering information by documentation, interviews, and observation. The study's findings, which came from an examination of marketing tactics aimed at boosting pilgrimage, were PT Bonita Anugrah Pratama are to use the S-T Strategy (Strength-Threath). It can be concluded that strengths and threats (ST) have the highest score of 2.94 compared to other strategies. So PT Bonita uses the S-T strategy, which is to optimize existing strengths in order to minimize external threats. From the strategies obtained, it shows that there are 3 promotional strategies to increase the number of pilgrims, namely by increasing advertising promotions through electronic media to build the image of Hajj and Umrah financing products, establishing partnerships to facilitate the process of demonstrating Umrah products and also better understanding the needs of prospective pilgrims both short and long term so as to increase the number of pilgrims.
ANALISIS PENETAPAN MARGIN PADA PEMBIAYAAN MURABAHAH DI KPPS BMT EL-USWAH DHARMASRAYA Rahmadani Eka Putri; Sandra Dewi
Jurnal Ekonomi dan Bisnis Vol. 2 No. 10 (2024): Oktober
Publisher : ADISAM PUBLISHER

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Abstract

This research was motivated by the lack of role of KSPPS BMT El-Uswah Dharmasraya in explaining to customers about determining margins before entering into a financing agreement, resulting in a lack of customer understanding regarding the determination of margins determined by KSPPS BMT El-Uswah Dharmasraya. This type of research is field (filed research) which is descriptive qualitative in nature which is carried out by describing how margins are determined for murabahah financing at KSPPS BMT El-Uswah Dharmasraya. The data collection technique in this research is through interviews by visiting the KSPPS BMT El-Uswah Dharmasraya office directly as well as documentation to obtain written data related to this thesisi. Based on the results of the research conducted, it can be concluded that the margin determination determined by KSPPS BMT El-Uswah Dharmasraya uses a flat calculation method, where the amount of margin given is fixed and does not change. Factors taken into consideration in determining margins at KSPPS BMT El-Uswah Dharmasraya are business factors, level of competition, financing risk and type of customer. Apart from that, there are also factors that influence margin determination, namely profit targets and overhead costs.
ANALISIS KONTRIBUSI FINANCIAL TECHNOLOGY UNTUK MENINGKATKAN TINGKAT LITERASI KEUANGAN (STUDI KASUS PEDAGANG PASAR AUR KOTA BUKITTINGGI) Sherly Oktaviani; Sandra Dewi
Jurnal Ekonomi dan Bisnis Vol. 2 No. 10 (2024): Oktober
Publisher : ADISAM PUBLISHER

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Abstract

The background of this research is to look at the contribution of fintech to increasing the level of financial literacy among Aur Market traders in Bukittinggi City. This fintech will have an impact on a business, both positive and negative impacts. Apart from that, fintech also plays a role in reducing the financial solution. The aim of the research is to determine and analyze the contribution of fintech to increasing the level of financial literasi in Aur Market Bukittinggi City. The research method used by the author here is qualitative, research with the key informants for this research being the Aur Market traders in Bukittinggi City, totaling 8 informants. In collecting data, research used observation, interrvews and documentation methods. The research result obtained from the analysis of the contribution of fintech in increasing the level of financial literacy in Aur Market Bukittinggi City are that the contribution of fintech is quite good and running well. Where Aur Market Bukittinggi City are already using fintech as a transaction tool with cotumers. Using fintech will make transaction more pratical, faster and easer, and fintech provide features to track user expenses, income and assets. So this can make users see their financial situation more clearly, beside that our financial security will be well maintained so there is no need to wotrry.
ANALISIS PENERAPAN MANAJEMEN RISIKO PADA PRODUK PEMBIAYAAN PEMILIKAN RUMAH (PPR) BSI GRIYA KCP PAYAKUMBUH Fitri Handayani; Sandra Dewi
Jurnal Ekonomi dan Bisnis Vol. 2 No. 10 (2024): Oktober
Publisher : ADISAM PUBLISHER

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Abstract

The background of this research aims to analyze risk management and determine the mechanism of PPR financing produkcts at BSI KCP Payakumbuh. In running its products, BSI is not limited to risks. Therefore, risk management occurs at BSI KCP Payakumbuh and is expected to minimize the risks that occur in BSI Griya PPR financing products with clear and good procedures and systematics. The research method used in this resesacrh is a qualitative method with the key informant for this research being the head of Bank Syariah Indonesia KCP Payakumbuh, the main informant is in the marketing department who is in charge of this field and the informant supports 5 customers. In collecting data, researchers used observation, interviews and documentation methods. The results of this research explain that the risk management implemented at BSI KCP Payakumbuh is carried out using 5C analysis (character, capital, collateral, capacity, and condition of economy). Meanwhile, the mechanism looks at 3 indicators, namely filing, income and financing guarantees. In implementing risk management carried out by BSI KCP Payakumbuh for BSI Griya Home Ownership Financing Products (PPR) it is also in accordance with sharia principles, this can be seen from the distribution mechanicm (PPR) of BSI Griya which is in accordance with its financing.
Pengaruh Akuntansi Lingkungan (Green Accounting), Pertumbuhan Penjualan, dan Ukuran Perusahaan terhadap Profitabilitas: (Studi Empiris pada Perusahaan Manufaktur yang Terdaftar di Indeks Saham Syariah Indonesia Periode 2018-2022) Miftahur Rahmah; Sandra Dewi
Jurnal Inovasi Ekonomi Syariah dan Akuntansi Vol. 1 No. 5 (2024): September: Jurnal Inovasi Ekonomi Syariah dan Akuntansi (JIESA)
Publisher : Asosiasi Riset Ekonomi dan Akuntansi Indonesia

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.61132/jiesa.v1i5.477

Abstract

The purpose of establishing a company is to obtain high profitability. However, in practice, there are still many companies that turn a blind eye to managing the environment in order to increase profitability, of the 105 manufacturing companies listed on the Indonesian Sharia Stock Index, less than a quarter of all manufacturing companies implement green accounting. And there are many companies that experience losses even though their sales increase. This study aims to determine the effect of environmental accounting (green accounting), sales growth, and company size on profitability in manufacturing companies listed on the Indonesian Sharia Stock Index (ISSI) for the 2018-2022 period. This study uses a descriptive research type with a quantitative approach. The sampling method uses the purposive sampling method. The data used are secondary data in the form of financial reports and annual reports on manufacturing companies listed on the Indonesian Sharia Stock Index for the 2018-2022 period. The analysis technique used is multiple linear regression analysis processed using the Eviews Version 12 application. The results of this study indicate that the environmental accounting variable (green accounting) has a positive but not significant effect on profitability. The sales growth variable has a positive and significant effect on profitability. The company size variable has a negative but not significant effect on profitability. And the variables of environmental accounting (green accounting), sales growth, and company size have a positive and significant effect on profitability.
Pengaruh Academic Burnout Terhadap Tingkat Stress Mahasiswa Unimed Nasution, Tasya; Surianto, Mutia Alya; Agustina, Annisya; Dewi, Sandra; Putri, Natasya Kaila; Wirda, Mona Adria
Indonesian Journal of Education and Development Research Vol 3, No 1 (2025): Januari 2025
Publisher : CV. Rayyan Dwi Bharata

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.57235/ijedr.v3i1.4922

Abstract

Pendidikan tinggi merupakan fase krusial dalam perkembangan akademik dan personal mahasiswa. Kombinasi dari berbagai tuntutan sering kali menciptakan tekanan yang signifikan, terutama ketika mahasiswa merasa harus mencapai standar tertentu dalam waktu yang terbatas. Tekanan yang berlebihan ini, jika tidak dikelola secara efektif, dapat memicu academic burnout. Penelitian ini menggunakan pendekatan kuantitatif. Ada dua teknik pengumpulan data dalam penelitian ini: SBI dan PWI-SC. Hasil penelitian ini menunjukkan bahwa kelelahan akademik tidak mempengaruhi tingkat stres siswa. Hasil koefisien determinasi menunjukkan bahwa 14,1 persen dari tingkat stres siswa dipengaruhi oleh stres akademik, dengan nilai R kuadrat 0,141, dan 85,9 persen lainnya dipengaruhi oleh komponen lain.
ANALISIS HEDONIC SHOPPING MOTIVATION MASYARAKAT MENGGUNAKAN DOMPET DIGITAL SHOPEE PAYLATER DALAM PERSPEKTIF SYARIAH Saputri, Niken Rika; Dewi, Sandra
Jurnal Ekonomi Sakti Vol 13 No 3 (2024)
Publisher : LPPM - STIE SAKTI ALAM KERINCI

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.36272/jes.v13i3.350

Abstract

Penelitian ini dilatar belakangi untuk mengetahui hedonic shopping motivation shopee paylater dalam perspektif syariah yang ada di masyarakat Sidodadi Limau Purut Kab. Pasaman Barat, hedonic shopping motivation adalah dorongan untuk berbelanja yang didasari oleh keinginan, kesenangan, dan pengalaman yang menyenangkan. Penelitian ini bertujuan untuk mengidentifikasi hedonic shopping motivation masyarakat yang menggunakan shopee paylater dalam perspektif syariah. Penelitian ini menggunakan metode penelitian kualitatif deskriptif dan pendekatan penelitian yang dilakukan adalah penelitian lapangan (field research). Teknik pengumpulan data yang digunakan yaitu observasi, angket, dan wawancara. Sedangkan teknik analisis data yang digunakan yaitu reduksi data, penyajian data, dan menarik kesimpulan. Hasil penelitian menunjukan Shopee PayLater pada marketplace Shopee sangat memberikan dampak buruk terhadap keuangan, selain memberikan dampak buruk terhadap keuangan, Shopee PayLater juga memberikan kemudahan mereka untuk terbiasa berhutang dan melakukan pembelian yang dapat membuat mereka melakukanterbiasa berhutang dan melakukan pembelian yang dapat membuat mereka melakukan kebiasaan konsumtif sehingga dapat menyebabkan mereka membeli secara impulsif karena adanya Shopee PayLater dengan ‘Beli sekarang, Bayar nanti’. Allah SWT mengharamkan atasnya riba, dimana riba adalah tambahan atau peningkatan yang dilarang dalam transaksi keuangan menurut syariah islam. Pada Shopee PayLater memberikan bunga pada mereka yang meminjam maka dari itu penggunaan Shopee PayLater itu Haram, karena adanya biaya tambahan atau kelebihan dari jumlah yang dipinjamkan dengan hitungan persen dan perbulannya.
Pengaruh Invesment Opportunity Set, Kinerja Keuangan dan Struktur Aset terhadap Nilai Perusahan pada Perusahaan Perhotelan, Resort Serta Cruise Line akan Terdaftar di BEI Tahun 2018-2022 Putri Yulia Ningsih; Sandra Dewi
Transformasi: Journal of Economics and Business Management Vol. 3 No. 4 (2024): Desember : Journal of Economics and Business Management
Publisher : Universitas 17 Agustus 1945 Semarang

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.56444/transformasi.v3i4.2125

Abstract

This research aims to determine, anaIyze and expIain the influence of the Investment 0pportunity Set, FinanciaI Performance, Asset Structure on company value, to optimize company value which can reflect the condition of a company through the company's share price. The sample in this research is 12 companies in hotel companies , resorts, cruise lines listed on the IDX 2018-2022. Data analysis in this research used purposive sampling. The method used is descriptive analysis with a quantitative approach and using descriptive methods with the help of SPSS version 24 to process it. Based on the research results, it can be seen that (1) Investment opportunity set has a positive and significant effect on company value as seen from the results of the t test research with sig 0, 00 ≤ 0.05 in hotel, resort, cruise line companies 2) financial performance does not have a positive effect on company value as seen from the results of the t test research with sig 0.510 ≥ 0.05 in hotel, resort, cruise line companies; (3) asset structure does not have a negative effect on company value as seen from the results of the t test research with sig 0.111 ≥ 0.05 in hotel, resort and cruise line companies; (4) Investment opportunity set, performance and asset structure on company value have a partial effect on company value in hotel, resort and cruise line companies listed on the Indonesia Stock Exchange 2018-2022.
Co-Authors , Rahmi Abdul Ghoni Abubakar, Mohammad Ade Pratiwi Susanty, Ade Pratiwi Adria Fahyumi Alfanzha Afni, Widia Khairun Afrizal Agatha Vivian Giovani, Agatha Vivian Giovani Agrina Riandani Agustina, Annisya Akhmad Darmawan Alamsyah, Ferdy Aliza Novia Rahmawati Alsyahidan Arsyad Amanda, Jelli Putra Andrew Shandy Utama andrew shandy utama, andrew shandy Andry Andry Anne Putri Annisya Agustina Ardiansah, Ardiansah Ardiansah, Ardiansah Ariani, Yuri Arlen, Fauzi Armaita Arrozi, M.F. Asri Rozak Astri, Difia Awaluddin Baginda Parsaulian Beni Rawadi Berlianto, Margaretha Pink Bintang Purba Christever, Christever Chrisvi Febriani Adha Cici Pramida Cixo Cixo Debby Sinthania Delfit Devy Winata Dewi Haryati Dewiana, Meita Dian, Wahyuni Dickson, Dickson DM, M. Yusuf Dzakiyah Suci Yuhary Endang Ruswanti Fadhilah Fitria Fadilla Putri Fadillah, Resi Fahmarita Fahmarita Fahrila Firdaus Faiza, Jennifer Anggela Faizah, Mayla Safira Fatika, Neza Fayane, Ostari Febrina, Cory Fiki Pramita Fitra Gunarti Fitri Handayani Fresia Grestiana Fyona Hadisty Ghina Alya Dzakwan Ghina Fitri Tampubolon Girsang, Andri J. Haifa Najla Amri Hakim, Fakhri Taufiqul Handayani, Reska Hani, Rahma Almira Haryanto, Totok Hasby Assidiqi Hasibuan, Eka Khairani Hasmita Hasmita, Hasmita Hasnati Hasnati, Hasnati Hayati, Syukra Helmi Helmi Henmaidi Henmaidi Henmaidi, Henmaidi Hesi Eka Puteri Hidarpa, Nana Hilmy, M. Reza Hilmy, Mohamad Reza HM, Makkah I Made Raditya Mahardika idris, Wafda Aulia Ihsan, Diky Nafisa Imelda, Rezky Indayana Febriani Tanjung, Indayana Febriani indriani monica, muthia Natasya veronica Intan Kumala Dewi Intan Muliana Rhamdhani Intan Silviana Intan Silviana Ira Paramastri Ira Safira Irsakinah, Irsakinah Ismail, Djauhar Ismail Kemala, Qori Dwi Khairunnisa, Viona Kurnia Ramadhan Kurniawan, Mario Kusumapradja, Rokiah Lara Paradilla Lathifa Asma Hayati Lisa Monica Lydia Lydia, Lydia maidawilis, maidawilis Malika Candra Kirana MARDATUL HUSNI, RISA Marlina, Vivi Mashudani, Lizda Mayasari, Destin Dwi Mela Aliani Meliza Dara Puspita Mevya, Eva Azharina MF Arrozi Adhikara MF. , Arrozi Miftahur Rahmah Miftahurrahmi Oktavia Mike Asmaria Mila Nor Elijha Mira Nila Kusuma Dewi Moh. Fachrurrozy Basalamah Mona Adria Wirda Muhammad Panji Al Gazali Muji R., Tri Septin Muliawan, Marjono Mutia Alya Surianto Nabila Rahmadani Najmi, Pyona Faddila Nasfi, Nasfi Nasution, Tasya Nasya Aulia Ramadhani Nazilla Fahira Nazillaturrahmi Niken Rika Saputri Nilam Permata Sari Nisfi Rahmadhani Nofierni, Nofierni Nofita, Alsil Novera Martilova Novera, Milya Nur fajarriah Nurfadila Oksep Adhayanto Oktaviandini, Dila Pardede, Rudi Popy Ardian Ningsih Zega Pratiwi Susanty, Ade Pratiwi, Velina Prima Minerva Putri Yulia Ningsih Putri, Anggie Kurnia Putri, Natasya Kaila Putri, Nayla Dwi Putri, Windi Elsa Rahmad, Tantri Yanuar Rahmadani Eka Putri RAHMAT SYAHNI Rahmatika, Zulfa Rahmayani, Novi Rahmi Rahmi Rahmi Rahmi Ramaita, Ramaita RESPATI, RUSVI Resty Dila Aryanti Rian Adi Pamungkas Rina Anindita Rina Mariyana Rina Panggabean Rini Andriani Riska Aulia Rita Wahidi , Kemala Rizkia, Dian Gema Roheman, Roheman Rudi Febriamansyah Sabri Sabri Safitri, Tiara Sahala Fransiskus Marbun Saputra, Muhammad Rian Saputri, Niken Rika sari, Dwi happy anggia Selfira, Lyoni Selvia Selvia Sesi Ulul Azizah Shela Kurnia Putri Sherly Oktaviani Sianturi, Yessyca Sihotang, Roma Ulina Br SRI RAHAYU Suci Ramadhani Sudiono, David Suratno, Ujang Surianto, Mutia Alya Tasya Nasution Tito Andryansyah Tri Indah Prasasti Tri Yuliana Trisna Ajan, Anggra Utama, Andrew Sandy Utama, Andrew Shady WAHYUNI, VANIA Wantu, Hasyim Mahmud Welvy Fenancy Wijaya, Sudarma Wiwit Febrina Wulanda Putri Widy Yalid Yalid Yaswinda Yaswinda Yaswirman, Yaswirman Yasypi’i Pakhiri Caniago Yesi, Hilma Yesyka Yetti Yuderna, Vivi Yuliana, Wilda Yulsyofriend, Yulsyofriend Yusep Ginanjar Zauzza Stabita Zulhelmi zulhelmi zulhelmi Zulhelmi, Zulhelmi Zulvera