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Penerapan Model UTAUT (The Unified Theory of Acceptance and Use of Technology) Terhadap Minat dan Perilaku Penggunaan Mobile Banking Widya Anjani; Imam Mukhlis
Jurnal Ekonomi Akuntansi dan Manajemen Vol 21 No 1 (2022)
Publisher : Universitas Jember

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.19184/jeam.v21i1.30570

Abstract

BRI mobile banking is a form of banking service that provides a strategic role in facilitating customer transaction processes. The development of m-banking BRI service needs to be done by analyzing the factors that motivate of acceptance and use of mobile banking. This reseacrh aims to determine the behavioral intention and use behavior of m-banking BRI in Malang City by applying the UTAUT model. The research approach used by the researcher is quantitative. Then, data collection was obtained through a questionnaire instrument in google form which was distributed to 130 user of m-banking BRI. The sampling technique used purposive sampling method with data analysis by using of multiple linear regression test through Ordinary Least Square (OLS) technique. The results of the research on regression 1 prove that the constructs of the UTAUT model in the form of performance expectancy, effort expectancy and social influence have a positive and significant influence on their relationship with behavioral intention in using m-banking BRI. Meanwhile, the results of the research in regression 2 namely facilitating conditions and behavioral intention are also positive and significant in their influence on the use behavior of using m-banking BRI. Keywords: UTAUT, mobile banking, behavioral intention, use behavior
Analysis of the Effect of Financing on the Profitability of Islamic Commercial Banking in 2016-2020 Aguk Triyanto; Imam Mukhlis
Arkus Vol. 8 No. 2 (2022): Arkus
Publisher : HM Publisher

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.37275/arkus.v8i2.188

Abstract

This study was conducted to determine the effect of mudharabah, musyarakah, murabahah, and non-performing financing (NPF) financing on the profitability of sharia commercial banks registered with the Financial Services Authority (OJK) for the 2016-2020 period. The analysis used in this study uses vector error correction models (VECM) analysis techniques. The results of this study indicate that in the short term there is only one significant variable on return on assets (ROA), namely the NPF variable. Meanwhile, the results of the long-term analysis show that the mudharabah and NPF variables have a significant effect on ROA at the 5% level. Meanwhile, the musyarakah and murabahah variables have no significant effect on ROA. Meanwhile, the impulse response function (IRF) of the mudharabah, musyarakah and murabahah variables have a positive and negative effect, while the NPF variable has a negative effect. For FEVD the variable that has a major contribution to ROA is mudharabah financing, followed by murabahah and NPF, then the last contribution is the musyarakah variable.
Infaq Box Program (KOIN) in Improving the Role of Shodaqoh Based on Local Wisdom Qurrotu Ayniy; Imam Mukhlis
Arkus Vol. 8 No. 2 (2022): Arkus
Publisher : HM Publisher

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.37275/arkus.v8i2.189

Abstract

Zakat, infaq, shadaqah and waqaf is an instrument used from the time of the Prophet and is one of the most effective instruments in overcoming economic problems. The government's step in developing the potential of the Islamic economy in Indonesia, which is based on a large Muslim population, is one of the early stages of the development of the Sharia system in Indonesia. The potential of ZISWAF has now been realized and has begun to be carried out both centrally and in the regions. UPZIS Lawang District is one of the non-profit regional institutions engaged in collecting infaq, shadaqah and zakat under LAZISNU Malang Regency. The motto of one day one thousand shadaqah gives its charm to the community. In addition, the collection of funds is carried out using methods that are not as common as other shodaqoh. The method used in this study is qualitative. Qualitative methods are used to see the community's knowledge of the institution and become a reference for assessing the opportunities and challenges in maximizing the potential of ZISWAF in the community. The existence of regional non-profit institutions can indirectly be one of the tools that can assist the government in the welfare of the surrounding community in various targeted fields.
The Effectiveness of the Sodaqoh Rosok Movement (GSR) Program by Lazisnu Batuaji Village, Ringinrejo District, Kediri Regency Agel Cahyo Putro; Imam Mukhlis
Arkus Vol. 8 No. 2 (2022): Arkus
Publisher : HM Publisher

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.37275/arkus.v8i2.191

Abstract

Nowadays waste is a serious problem for the community, of course, there must be good waste management so that waste can be managed properly and usefully, one of the waste handling innovations implemented, namely the Shodaqoh (GSR).movement shodaqoh in the form of rosok or goods that are not used by Lazisnu, Batuaji Village, Ringinrejo District, Kediri Regency.it programs it easier for people to give alms and will certainly increase awareness in terms of giving alms and maintaining environmental cleanliness. The purpose of this study was to determine the effectiveness of the Shodaqoh Rosok Movement program in Lazisnu, Batuaji Village, Ringinrejo District, Kediri Regency. This type of research includes qualitative research The indicators used to measure effectiveness use the indicators proposed by Budiani, namely the accuracy of program targets, program socialization, program objectives, and program monitoring. The results of this study indicate that the Shodaqoh Rosok Movement (GSR) program in Lazisnu, Batuaji Village, Ringinrejo District, Kediri Regency has been running well and effectively. The results of the study show that the four indicators, namely, the accuracy of program targets, program socialization, program objectives, and monitoring have been effective. So that the Shodaqoh is feasible to continue to run so that it provides benefits for the environment and benefits in the fields of education, health, economy, and society.
Competitive Advantage of SMEs Through Innovation to Reach International Markets Ivan Armawan; Imam Mukhlis; Danardana Murwani
Arkus Vol. 9 No. 1 (2023): Arkus
Publisher : HM Publisher

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.37275/arkus.v9i1.199

Abstract

This study aims to identify various characteristics related to competitive advantage in SMEs through innovation. This research is a scoping review using PRISMA. The stages in conducting a scoping review that must be carried out are the focus of the review, using the PEO framework (problem, exposure, and outcome), identification of relevant studies, process descriptions, and identification of literature with PRISMA flowcharts, data extraction, and mapping or scoping. The inclusion criteria used in selecting the scoping review study were publication of manuscripts in the last five years (2018-2022), nationally accredited and internationally indexed journals, original articles, and articles in Indonesian or English. The keywords used in the article search were "SME" OR "competitive advantage" OR "innovation" OR "culinary" AND "international market." SME product innovation must continue to be carried out in the face of current market competition to reach the international market, especially MSMEs engaged in traditional food or culinary. SMEs must innovate in products, namely innovation in shape, taste, color, and innovation in packaging. The role of using social media to introduce culinary products in the international market is an effective way to expand the market share of culinary SMEs in the international market.
Exploring Determinants of Entrepreneurial Readiness on Sukses Berkah Community’s Member Arik Wulandari; Agus Hermawan; Imam Mukhlis
Journal of Business and Management Review Vol. 2 No. 4 (2021): (Issue-April)
Publisher : Profesional Muda Cendekia Publishing

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.47153/jbmr24.1332021

Abstract

This article aims to determine (1) the effect of motivation, opportunity identification, resources, and entrepreneurial abilities on entrepreneurial readiness; and (2) the role of entrepreneurship training as a moderating variable on motivation, opportunity identification, resources, and entrepreneurial abilities on entrepreneurial readiness. This research is a quantitative study using proportional random sampling with a total of 200 respondents. Data collection used a questionnaire whose results analyze by Moderated Regression Analysis (MRA). The results showed a positive and significant effect of motivation, opportunity identification, resources, entrepreneurial ability, and entrepreneurship training that could moderate the impact of all these factors on entrepreneurial readiness. Based on this research results, it can know that to start entrepreneurship requires the motivation to exert all efforts, opportunity identification to find and implement potential in business, resources to increase competitive business advantage, and entrepreneurial ability to achieve business success using all its capabilities. Entrepreneurship training can improve these factors. The better the entrepreneurship training follows, the more positive impact on improving the readiness to start a thriving Sukses Berkah Community (SBC) member.
Does internationalization moderate the effect of SMEs size, age, and other financial determinants on investment opportunities set? Evidence from Indonesia Yuli Soesetio; Dyah Arini Rudhiningtyas; Sudarmiatin Sudarmiatin; Imam Mukhlis
JEMA: Jurnal Ilmiah Bidang Akuntansi dan Manajemen Vol 18, No 2 (2021): JEMA: Jurnal Ilmiah Bidang Akuntansi dan Manajemen
Publisher : University of Islam Malang

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.31106/jema.v18i2.10393

Abstract

Small and medium-sized enterprises (SMEs) are increasingly considering international expansion as one of the sustainable growth strategic options. This study aims to reveal how the effect of internationalization as a moderator of SMEs size, age, and other financial determinants toward investment opportunity set of SMEs that listed on the Indonesia Stock Exchange (IDX) from 2006 to 2020. Market to book asset ratio used as a proxy of investment opportunity set of SMEs. This study is one of the most important in the context of Indonesian SMEs as there were limited previous studies that have explored the internationalization factor. A total of 102 SMEs companies with 156 data observations were studied. A moderation regression analysis was used to test whether the determinants of the investment opportunity set were statistically significant. Surprisingly, the study found that the degree of internationalization has a moderating effect that weakens the relationship between SMEs age and size on investment opportunities set (market value ratio).
PENGARUH EFEKTIVITAS, HEDONIS, KEMANFAATAN, DAN KEPERCAYAAN TERHADAP MINAT MAHASISWA UNIVERSITAS NEGERI MALANG DALAM MENGGUNAKAN LAYANAN SHOPEEPAY: PENDEKATAN TECHNOLOGY ACCEPTANCE MODEL Taruni Risla Hanifah; Imam Mukhlis
ECOBISMA (JURNAL EKONOMI, BISNIS DAN MANAJEMEN) Vol 9, No 2 (2022): ECOBISMA
Publisher : Published by the Faculty of Economics and Business, University of Labuhanbatu, North Sumat

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.36987/ecobi.v9i2.2711

Abstract

Financial inclusion is one of the indicators used in knowing the development of the financial system in a country. Financial Technology can be used in overcoming the problem of financial inclusion because it can create access to financial services easily and improve the system to be more efficient in addition to the financial technology that develops in people's lives that encourages a cashless society, namely by creating electronic money innovations contained in an application platform called e-wallet. ShopeePay is an e-wallet that is popular among the public today. Therefore, researchers use variables of effectiveness, hedonistic, usefulness, and trust as independent variables and the interest of students of State University of Malang in using ShopeePay services as dependent variables. Researchers use variables of effectiveness, hedonistic, usefulness, and trust because according to the Technology Acceptance Model the variable is a factor that influences an individual's interest in using technology. This study used quantitative data with data collection methods in the form of questionnaires with a Linkert scale. The result of this study is that the variables of effectiveness, hedonics, and usefulness have a significant influence on the interest in using ShopeePay services. While the trust variable does not have a significant influence on the interest in using ShopeePay services
The Role Of Competitive Advantage Towards Accelerating Internationalization Of SMES In Indonesia Gunartin Gunartin; Imam Mukhlis; Fulgentius Danardana Murwani
International Journal of Educational Research & Social Sciences Vol. 3 No. 3 (2022): June 2022
Publisher : CV. Inara

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.51601/ijersc.v3i3.397

Abstract

This paper aims to explore the role of competitive advantage in accelerating the internationalization ofSMEs in Indonesia. The source of this paper is secondary data with a literature and empirical study approach from previous articles and other supporting sources. Data sources and various articles show that digitalization as a competitive advantage has a very important role in accelerating the internationalization of SMEs in Indonesia, but the results of the study of various sources of digitizing strategies for competitive advantage, many factors determine the international acceleration of SMEs in Indonesia such as partnerships, customer relations, business process management, as well as investing in information and communication resources. The government's role is also very dominant in the process towards accelerating the internationalization of SMEs in Indonesia
FAKTOR YANG MEMPENGARUHI PERILAKU KONSUMTIF PADA GENERASI Z Yayang Syania Sabilla Taqwa; Imam Mukhlis
E-Jurnal Ekonomi dan Bisnis Universitas Udayana VOLUME.11.NO.07.TAHUN.2022
Publisher : Fakultas Ekonomi dan Bisnis Universitas Udayana

Show Abstract | Download Original | Original Source | Check in Google Scholar | Full PDF (312.511 KB) | DOI: 10.24843/EEB.2022.v11.i07.p08

Abstract

Perilaku konsumtif adalah perilaku yang timbul dari adanya aktivitas berkonsumsi secara hedonisme dengan mengutamakan apa yang diinginkan dan tidak terlalu dibutuhkan. Penelitian dilakukan dengan tujuan mengetahui faktor yang mempengaruhi perilaku konsumtif yaitu gaya hidup, literasi keuangan, demografi, dan penggunaan e-payment. Populasi dalam penelitian adalah generasi z di Tulungagung yang berjumlah 247.439 orang. Sedangkan sampel ditentukan dengan menggunakan rumus slovin sebanyak 205 sampel. Pengumpulan data berupa kuesioner (google form) dengan metode model analisis regresi linear berganda menggunakan teknik Ordinary Least Square (OLS). Kemudian dilakukan pengolahan data dengan SPSS 24. Hasil menunjukkan variabel gaya hidup (X1), demografi (X3), dan penggunaan e-payment (X4) memiliki pengaruh positif dan signifikan terhadap perilaku konsumtif. Literasi keuangan (X2) tidak berpengaruh signifikan terhadap perilaku konsumtif. Variabel yang dominan dalam mempengaruhi perilaku konsumtif adalah X3 dengan nilai koefisien regresi sebesar 0,681, kemudian diikuti oleh X1,X4, dan X2.
Co-Authors Abdul Hadi Abdul Halim Achmad Ali Said Achmad Mamduh Achmad Murdiono Ade Setia Pratama Adelia Rahma Aditya Nirwana Afif Nur Rahmadi, Afif Nur Agel Cahyo Putro Aguk Triyanto Agung Haryono Agung Nugroho Agus Hermawan Agussalim, Agussalim Ahmad Fawaiq Suwanan Aji Prasojo Akbarti Na'ima Alya Rachma Fadhillah Anggun Satriani Anggun Yuli Wijaya Anita Sumelvia Dewi Annisya Annisya’ Arief Noviarakhman Zagladi Arik Wulandari Ashif Chumaida Sari Astri Ibadiyah Betari Putri Pavita Budi Eko Soetjipto Budi Utami Budi Utami Buyung Adi Dharma Cahayati, Nila Choirul Anam Choirus Saadah Chusnul Chotimah Damis Veri Budianto Danar Ezrananda Danardana Murwani Danardana Murwani Danardana Murwani Davied Radhika Saputra Dayat, M. Dayat Dedy Saputra Delta Ananda Arga Putra Deni Andrean Deni Andrean Desi Kristanti Desy Eka Agustina Dewi Nurjannah Dewi Wulan Sari Dewi, Velina Sari Dewinda Anggi Putri Setiawan Dhiah Fitrayati Diah Ayu Septi Fauji Diana Ambarwati Didin Elok Parastiti Dwi Annissa CRB Dwi Wulandari Dyah Arini Rudhiningtyas Dzaki Alfarrez, Muhammad Edi Murdiyanto Ega Saiful Subhan Eka Ramadanti Elfiya Yetti Ellyana Indriani Wulandari Elmira Mufliha Camila Endang Miftaqul K Endang Sri Andayani Ermita Yusida Erna Retno Rahadjeng Erwin Syahputra Esy Nur Aisyah Fadali Rahman Fajar Azmi Kurniawan, Fajar Azmi Farida Rahmawati Farida Styaningrum Fathonah, Sastiana Mandasari Fazlur Rahman Rahawarin Fidelis Dwi Putra Santoso Fitriyah Fitriyah Fuat’dah, Devit Anisatul Fulgentius Danardana Murwani GLADY OLINE Grisvia Agustin Gulo, Feberlian Elisabeth Gunartin Gunartin Hadi Sumarsono Hamdana Hamdana Handri Dian Wahyudi Hardiningrum, Iing Sri Hari Wahyono Helmi Abidin Heri Pratikto Herman Herman Herman Hesti, Mirna Shofa Hidayat, Moh. Nurul Huda, Muhammad Rifqi Mafatikhul Inayati Nuraini Dwiputri Indah K, Luluk Nur Ismayantika Dyah Puspasari Isnawati Hidayah Iva Chandraningtyas Iva Khoiril Mala Ivan armawan Joko Setiyo Karolus Suban Waikelak Kespandiar, Tengku Kuntum Kinanthi Lawi, Ansarullah Linda Seprillina Lisa Rokhmani Lustina Fajar Prastiwi Lutfi M. Ansyar Bora M. Fahrizal Hasibuan Magistyo Purboyo Priambodo Mahmud Mahmud Mala , Iva Khoiril Maretasari, Rina Markhamah, Siti Martin Maulidia, Rina Melany, Melany Moch. Wahyu Widodo Moh. Hefni Munawar Muhammad Hariri Muhammad Irfanul Hakim Zain Muhammad Sulhan Mukti, Teguh Lingga Munandar Munandar Munir , Muhammad Syahrul Mustain Mustain Na'ima, Akbarti Nahdi, Moehammad Robith Nasikh Ni'matul Istiqomah Nila Cahayati Nugrahaningtyas, Andien Nugroho, Agung Nur Anita Yunikawati Nuraini, Fariha Nuril Aulia Munawaroh Nursabrina, Zata Yumni Subhati NURUL AZIZAH Nurul Faizah Nurul Hildha Afifa Ozlem Sokmen Gurcam Pambudy, Akhlis Priya Parawansah, Rosa Indah Phousith Phongsavath Prihatini, Hikmah Tri Puji Handayati Putra Hilmi Prayitno Putri, Salsabilla Pyng, How Shwu Qofifah, Salmaa Nur Qurrota Ayun Qurrotu Ayniy Rachmad Hidayat Rachmad Ilham Rafikhein Novia Ayuanti Rahman, Fadali Rahmayanti, Dhita Aulia Ratna Mitasari Refo Putra S Refo Putraseto Regina Trisuci Rahmadani Reinanda Putri Reza Lainatul Rizky Richa Afriana Munthe Rieska Maharani, Rieska Rike Selviasari Ririt Dwiputri Permatasari Riza Dwi Meidiaputri Ro'ufah Inayati Robbi Readi Rofiqi Rofiqi Rosyida, Rosyida Rudhiningtyas, Dyah Arini Rudi, Jupensius Sachrir, Muh Irshan Said, Sitaman Sainul Salman Farizi Saptaria, Lina Saputra, Muhamad Ajye Saraswati, Nurma Sari, Ashif Chumaida Sariyani Sariyani Sariyani Sariyani Septiansyah, Genadi Sirodjudin, Mochamad Solikhatul Azizah Sri Handayani Sri Hariyanti Sri Rahayu Suci Rohayati Sudarmiatin Sueb Sugeng Hadi Utomo Sugiarti Ramadhan, Tri Sukarsih Sukma Nawang Sulistyowati, Nur Wahyuning Suparno Suratno Suratno Surya, Eka Putri Sutomo Sutomo Syahrul Munir , Muhammad Taruni Risla Hanifah Timbul Hamonangan Simanjuntak Timbul Hamonangan Simanjuntak Tsabita Khwarazmita Ubeid Fandi Nasrulloh Umi Nadhiroh Ustadus Sholihin Ustadus Sholihin Vidya Purnamasari Vira Anandha Wahjoedi Wahjoedi wahyuni wahyuni Wahyuningtiyas, Nanik Wati, Sri Sulistiya Widya Anjani Yayang Syania Sabilla Taqwa Yogi Dwi Lestari Yudiarto Perdana Putra, Yudiarto Perdana Yuli Soesetio Yuli Soesetyo, Yuli Yundari, Yundari Yusna Arlavico Safira Nadadies Zaenul Muttaqien Zuhrotul Munawwaroh Zulpan Akhir Ritonga