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PENGARUH FINANCIAL LITERACY DAN LIFESTYLE TERHADAP FINANCIAL MANAGEMENT BEHAVIOUR PADA PNS DENGAN SELF CONTROL SEBAGAI VARIABEL INTERVENING DALAM PERSPEKTIF EKONOMI ISLAM (Studi Pada Pegawai Negeri Sipil Di Bandar Lampung) Ice Marwiyah; Fatih Fuadi; Mia Selvina
JURNAL LENTERA BISNIS Vol. 14 No. 2 (2025): JURNAL LENTERA BISNIS, MEI 2025
Publisher : POLITEKNIK LP3I JAKARTA

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.34127/jrlab.v14i2.1605

This study aims to analyze the influence of Financial Literacy and Lifestyle on Financial Management Behavior in Bandar Lampung City, with Self-Control as an intervening variable. The method used is a questionnaire with a sample of 100 respondents selected randomly from several civil servants in Bandar Lampung. This research is quantitative in nature. The sampling technique used is probability sampling. This study uses data analysis techniques applied is PLS (Partial Least Squares) by utilizing SmartPLS software. The research findings show that Financial Literacy does not affect Financial Management Behavior, while Lifestyle also does not affect Financial Management Behavior. On the other hand, Self-Control has a positive and significant effect on Financial Management Behavior. In addition, Financial Literacy has a negative and significant effect on Self-Control and Lifestyle has a positive and significant effect on Self-Control. On the other hand, Self-Control is able to mediate the influence of Financial Literacy on Financial Management Behavior but has a negative effect. Similarly, Self-Control is able to mediate the influence of Lifestyle on Financial Management Behavior. This research was conducted from the perspective of Islamic economics and focuses on civil servants in Bandar Lampung City.

Analisis Swot dalam Menentukkan Strategi Pemasaran untuk Meningkatkan Volume Penjualan Kedai Kubo Kopi dalam Perspektif Bisnis Islam (Studi pada Kedai Kubo Kopi di Bandar Lampung) Beatricca Shinta Azzahra; Fatih Fuadi; Liya Ermawati
Ekonomi Keuangan Syariah dan Akuntansi Pajak Vol. 2 No. 3 (2025): Ekonomi Keuangan Syariah dan Akuntansi Pajak (EKSAP)
Publisher : Asosiasi Riset Ekonomi dan Akuntansi Indonesia

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.61132/eksap.v2i3.1002

This study aims to analyze the internal and external conditions of Kedai Kubo Kopi in Bandar Lampung using the SWOT approach and identify priority factors in marketing strategies to increase sales volume. A qualitative approach was used through interviews with owners, employees, and customers to obtain relevant data. The results of the SWOT analysis show that Kedai Kubo has strengths in high-quality manual brew coffee products, affordable prices, strategic location, friendly service, and attractive interior design. Its weaknesses include limited product variety, low profit margins, limited space during peak hours, dependence on digital promotions, and inadequate staff. Opportunities that can be utilized are the increasing public interest in quality coffee, potential collaboration with influencers, the growth of the coffee market in Indonesia, and the use of social media. The threats faced are competition from large coffee shops and franchises, fluctuations in raw material prices, changes in coffee consumption trends, and reputation risks due to inappropriate promotions. These findings indicate that Kedai Kubo Kopi needs to maximize existing strengths and opportunities, as well as overcome weaknesses and mitigate threats to increase sales volume effectively.

Effect of Disclosure of Islamic Social Reporting, Cashless Society, and Company Size on Company Value (in Islamic Banks in ASEAN Period 2017-2023) Dara Nitami; Ersi Sisdianto; Fatih Fuadi
Majapahit Journal of Islamic Finance and Management Vol. 5 No. 3 (2025): Islamic Finance and Management
Publisher : Department of Sharia Economics Institut Pesantren KH. Abdul Chalim Mojokerto

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.31538/mjifm.v5i3.513

Company value is the main indicator in assessing the success of a company, which is measured by its stock price. The higher the company value, the greater the welfare of shareholders and the attractiveness to investors. This study aims to analyze the effect of Islamic Social Reporting (ISR), cashless society, and company size on company value in Islamic banks in ASEAN for the period 2017-2023. This study uses a quantitative method with secondary data obtained from the annual reports of Islamic banks. The research sample consisted of 12 Islamic banks operating in ASEAN consisting of Indonesia, Malaysia, Singapore, and Brunei Darussalam which were selected using the purposive sampling method for 7 years, so that the total observation was 84 samples. The data analysis technique used was panel data regression with the help of Eviews 10 software. The results of the study showed that partially, Islamic Social Reporting (ISR) had a significant effect on company value. Cashless society did not have a significant effect on company value and company size did not have a significant effect on company value. Simultaneously, Islamic Social Reporting (ISR), cashless society, and company size had a significant effect on company value. In Islamic economics, the value of a company is not only measured in terms of material, but also seen from the application of sharia principles such as justice, transparency and social responsibility. The limitations of this study lie in the limited sample coverage and the use of secondary data that relies on the availability of information in the company's annual report.

Effect of Disclosure of Islamic Social Reporting, Cashless Society, and Company Size on Company Value (in Islamic Banks in ASEAN Period 2017-2023) Dara Nitami; Ersi Sisdianto; Fatih Fuadi
Majapahit Journal of Islamic Finance and Management Vol. 5 No. 3 (2025): Islamic Finance and Management
Publisher : Department of Sharia Economics Institut Pesantren KH. Abdul Chalim Mojokerto

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.31538/mjifm.v5i3.513

Company value is the main indicator in assessing the success of a company, which is measured by its stock price. The higher the company value, the greater the welfare of shareholders and the attractiveness to investors. This study aims to analyze the effect of Islamic Social Reporting (ISR), cashless society, and company size on company value in Islamic banks in ASEAN for the period 2017-2023. This study uses a quantitative method with secondary data obtained from the annual reports of Islamic banks. The research sample consisted of 12 Islamic banks operating in ASEAN consisting of Indonesia, Malaysia, Singapore, and Brunei Darussalam which were selected using the purposive sampling method for 7 years, so that the total observation was 84 samples. The data analysis technique used was panel data regression with the help of Eviews 10 software. The results of the study showed that partially, Islamic Social Reporting (ISR) had a significant effect on company value. Cashless society did not have a significant effect on company value and company size did not have a significant effect on company value. Simultaneously, Islamic Social Reporting (ISR), cashless society, and company size had a significant effect on company value. In Islamic economics, the value of a company is not only measured in terms of material, but also seen from the application of sharia principles such as justice, transparency and social responsibility. The limitations of this study lie in the limited sample coverage and the use of secondary data that relies on the availability of information in the company's annual report.

ANALISIS IMPLEMENTASI ETIKA BISNIS, TANGGUNG JAWAB SOSIAL PERUSAHAAN DAN INOVASI LAYANAN DALAM MENINGKATKAN REPUTASI HOTEL (STUDI PADA HOTEL G SYARIAH DI BANDAR LAMPUNG) Muhammad Yogi; Fatih Fuadi; Suhendar
QANUN: Journal of Islamic Laws and Studies Vol. 3 No. 2 (2025): QANUN: Journal of Islamic Laws and Studies
Publisher : ASIAN PUBLISHER

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.58738/qanun.v3i2.678

Maraknya hotel Syariah dalam industri perhotelan telah menjadi tren baru bisnis akomodasi di beberapa daerah, termasuk di Indonesia. Penelitian ini termasuk jenis penelitian lapangan (field research) yang pada hakikatnya merupakan metode untuk menemukan secara khusus dan realistis tentang apa yang terjadi di masyarakat. Penerapan prinsip-prinsip etika bisnis Islam pada Hotel Grand G Syariah yang terdiri dari prinsip kesatuan (tauhid), prinsip keseimbangan (adil), prinsip kehendak bebas (ikhtiar), prinsip tanggung jawab (fardh), prinsip kebenaran (ihsan). hotel G Syariah merupakan bisnis hotel yang bergerak di bidang jasa penginapan yang memberikan layanan kamar dan fasilitas lain di hotel bagi tamu yang hendak menginap dengan ketentuan syariah sebagai sistem yang mengatur pengelolaan hotel. Inovasi yang dilakukan oleh hotel G Syariah yaitu inovasi dalam hal pelayanan terhadap konsumen atau tamu dengan lebih dekat secara personal kepada konsumen sehingga mudah memahami kebutuhan yang diinginkan oleh para konsumen. Lalu beberapa transformasi terkait digital yang dilakukan hotel selama masa pandemi dan menjadi inovasi yang diterapkan merubah tatanan aktivitas dari hotel itu sendiri hingga saat ini.

Feasibility Analysis of Djoglo Restaurant Business in Lampung Regency South Area Reviewed from the Aspects of Market, Marketing, And Sharia Financing Atridayansyah, Reza; Fatih Fuadi; Dimas Pratomo
International Journal of Economics (IJEC) Vol. 4 No. 2 (2025): July-December
Publisher : PT Inovasi Pratama Internasional

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.55299/ijec.v4i2.1622

This study aims to analyze the feasibility of the Djoglo Restaurant business in South Lampung Regency from the market, marketing, and sharia financing aspects to support strategic decision making for the development of traditional culinary businesses. The study uses a qualitative approach with a case study method that was carried out for three months, with primary data obtained through in-depth interviews with owners, managers, employees, consumers, and direct observation, as well as secondary data from financial reports and internal company documents analyzed using an interactive analysis model with triangulation to ensure data validity. The results of the study indicate that the Djoglo Restaurant is very feasible to be developed from the three aspects studied, with the market aspect showing very good potential through an average of 180-220 people visiting per day, clear segmentation with a family dominance of 45%, and consumer satisfaction reaching 92% for the atmosphere of the place; the marketing aspect shows high effectiveness with sales growth of 20% per year and customer retention of 72% through an integrated marketing mix; and the sharia financing aspect shows that the musyarakah scheme with a ratio of 60:40 is the most suitable for an expansion of Rp 800 million with very positive feasibility indicators including NPV of Rp 1.24 billion, IRR of 42%, and a payback period of 2.3 years. This study provides practical contributions in the form of strategic recommendations for management in business expansion using sharia financing and optimizing marketing strategies, while enriching the literature on the feasibility of traditional culinary businesses with a sharia financing approach which is still limited in Indonesia, especially in the context of restaurants in the regions.

The Impact of Cost-to-Income Ratio, Net Benefit, and Operating Expenses on Islamic Commercial Bank Loss Reserves Annisa Anggraini; Fatih Fuadi; Is Susanto
Mutanaqishah: Journal of Islamic Banking Vol. 5 No. 1 (2025): January - June
Publisher : Department of Islamic Banking

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.54045/mutanaqishah.v5i1.2614

Purpose – This study aims to examine the influence of Cost to Income Ratio (CIR), Net benefit (NI) and operating expenses operating income (BOPO) on the impairment loss reserve (CKPN). Methodology – In this study, the sample determination was carried out for 5 years. Determination of sample criteria using purposive sampling method, which is a sampling technique derived from certain criteria and obtained a sample of 6 banks so that the total number of samples is 30 samples. The method used is regression analysis of panel data using Random Influence Model approach analyzed through software Eviews 10. Findings – Derived from upshots of the study can be obtained that the partial Cost to Income Ratio has a significant influence on CKPN. Net rewards significant influence on CKPN. Operating expenses operating income has no significant influence on CKPN. Simultaneously Cost to Income Ratio, Net benefits and operating expenses operating income has a significant influence on CKPN in Sharia commercial banks registered with the Financial Services Authority for the period 2019-2023. In Islamic business management, efficiency (CIR and BOPO), transparency and benefit optimize halal income (NI) and maintain financial stability in accordance with sharia values. Implications – Upshots of this study provide recommendations to each bank in facing different credit risk challenges, both in terms of financing portfolio characteristics, risk mitigation strategies, and financial management policies. Originality – This study provides insight into the importance of risk management in Islamic banking, especially in managing impairment losses (CKPN) as a mitigation measure against potential financing risks.

Penerapan Employer Branding dan Employee Value Proposition Untuk Menciptakan Employee Engagement dalam Perspektif Bisnis Islam Fatih Fuadi; Destin Fitria Anjayani
MAMEN: Jurnal Manajemen Vol. 2 No. 4 (2023): Oktober 2023
Publisher : Yayasan Literasi Sains Indonesia

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.55123/mamen.v2i4.2752

PT Colombus Bandar Lampung, one of the companies operating in the world of buying and selling cash and credit for electronics and furniture, has the problem that every year from 2020 to 2022, the turnover value exceeds 10%. If the annual turnover rate in a company exceeds 10%, it can be categorized as high. One way that can be done to retain existing workers is to always create internal offers that can increase employee loyalty. This research aims to determine the application of employer branding, the application of employee value proportion, the impact of the application of employer branding and employee value proportion on employee engagement, and the application of employer branding and employee value proposition strategies to create employee engagement from an Islamic business management perspective. This research uses a qualitative approach. PT Colombus has a friendly work environment, which creates a feeling of comfort. Employees felt a friendly work environment and continuous improvement when PT Colombus formulated employee value proportions

Pengaruh Negara Asal terhadap Kualitas yang Dirasakan dengan Etnosentris Konsumen sebagai Variable Moderasi Perspektif Bisnis Islam Muhammad Daffa Hariyanto; Fatih Fuadi; Suhendar; Habibi, Ahmad
Al-Ulum Vol. 24 No. 1 (2024): Al-Ulum
Publisher : Institut Agama Islam Negeri (IAIN) Sultan Amai Gorontalo

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.30603/au.v24i1.5653

The purpose of this study was to determine whether the Country of Origin effect on Perceived Quality with ethnocentric consumers as a variable of moderation. This study aims to find out what the influence of the country of Origin on perceived quality with consumer ethnocentrism as a variable of moderation. This study uses a quantitative approach. The population used is Uniqlo brand consumers in Bandar Lampung City with an unknown population. The number of samples was calculated using the Lemeshow formula and the result obtained was 100 samples. The application used in analyzing data is SmartPLS with structural equation model (SEM) approach. The results showed that Country of Origin can have a positive and significant influence on Perceived Quality. And Consumer ethnocentricity cannot moderate the influence of Country of Origin on Perceived Quality.

PENGARUH METODE PENYULUHAN PERTANIAN, KEBIJAKAN PUPUK SUBSIDI DAN PEMBERDAYAAN MASYARAKAT DALAM PROGRAM PERTANIAN TERHADAP PENDAPATAN PETANI DALAM PERSPEKTIF ISLAM(Studi Pada Petani kopi di Kecamatan Sekincau, Kabupaten Lampung Barat) Muhammad Alifian Zakaria; Fatih Fuadi; Yulistia Devi
Jurnal Media Akademik (JMA) Vol. 3 No. 11 (2025): JURNAL MEDIA AKADEMIK Edisi November
Publisher : PT. Media Akademik Publisher

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.62281/9cqb4079

Penelitian ini dilatarbelakangi oleh rendahnya pendapatan petani kopi di Kecamatan Sekincau, Kabupaten Lampung Barat, yang menghadapi berbagai tantangan seperti kurang efektifnya metode penyuluhan pertanian, kendala kebijakan pupuk subsidi, serta lemahnya pelaksanaan program pemberdayaan masyarakat. Hal ini berdampak pada produktivitas dan stabilitas ekonomi petani yang belum optimal. Dari perspektif Islam, kesejahteraan tidak hanya diukur secara ekonomi, tetapi juga mencakup keadilan sosial, keberkahan rezeki, dan tanggung jawab moral dalam pengelolaan sumber daya alam. Penelitian menggunakan pendekatan kuantitatif dengan jenis penelitian asosiatif. Data dikumpulkan melalui kuesioner yang disebar kepada 98 petani kopi aktif di Kecamatan Sekincau yang mengikuti kegiatan penyuluhan dan menerima pupuk subsidi. Analisis data dilakukan menggunakan metode statistik dengan model analisis jalur melalui SmartPLS. Variabel bebas terdiri atas metode penyuluhan pertanian, kebijakan pupuk subsidi, dan pemberdayaan masyarakat, sedangkan variabel terikat adalah pendapatan petani. Hasil penelitian menunjukkan bahwa ketiga variabel bebas berpengaruh positif dan signifikan terhadap pendapatan petani kopi. Metode penyuluhan pertanian memberikan peningkatan pengetahuan dan keterampilan yang berdampak pada produktivitas dan pendapatan. Kebijakan pupuk subsidi membantu menekan biaya produksi dan meningkatkan efisiensi usaha tani. Pemberdayaan masyarakat memperkuat kapasitas petani melalui pelatihan dan akses teknologi, memperluas peluang ekonomi mereka. Secara keseluruhan, sinergi metode penyuluhan, kebijakan pupuk subsidi, dan pemberdayaan masyarakat efektif dalam meningkatkan pendapatan petani kopi sesuai dengan prinsip bisnis Islam yang mengedepankan keadilan, tanggung jawab sosial, dan keberlanjutan.

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