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Analisis Pembiayaan Bermasalah Pada BMT Mitra Khazanah Palembang Warikon Wasi; Deky Anwar; M. Iqbal
Journal of Economics and Development Vol. 1 No. 1 (2024): Journal of Economics and Development (JEnD)
Publisher : CV. Cendikiawan Muda Sriwijaya

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.70656/jend.v1i1.7

This study aims to analyze the factors that cause problematic financing and analyze the strategies used in dealing with problematic financing at BMT Mitra Khazanah Palembang. The analytical method used in this study is a qualitative method with data collection techniques in the form of interviews, discussions with the parties who manage BMT Mitra Khazanah Palembang, as well as from several other article sources. From the research that has been carried out, it is found that there are two factors that cause problematic financing at BMT Mitra Khazanah Palembang, namely internal and external factors. In internal factors there are several causes, including Weaknesses in Analyzing and Lack of Employees or Human Resources (HR). Meanwhile, in external factors, there are also several causes, including the Covid-19 Pandemic and Bankruptcy or Customer Business Failure. In addition, BMT Mitra Khazanah Palembang implements several ways to overcome non-performing financing, including Rescheduling, Reconditioning, Restructuring, Collateral Foreclosure

“Millennial Generation Strategies in Facing Opportunities and Challenges of Entrepreneurship in the Digital Era 4.0” at the Da’arul Hijrah Islamic Boarding School Chandra Zaky Maulana; Lemiyana; Deky Anwar; Nur Syamsiyah; Nadya Jovita
Jurnal Aksi Dosen dan Mahasiswa Vol. 1 No. 1 (2023): Jurnal Aksi Dosen dan Mahasiswa
Publisher : CV. Doki Course and Training

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.61994/jadmas.v1i1.206

The increasing number of internet users for commerce has led to the emergence of new businesses that are now widely referred to as start-up businesses. All of these businesses are engaged in trade and services that fulfill daily needs, the majority of which are online. This research aims to review some literature, data and facts about the start-up business phenomenon. Based on the development of start-up business knowledge, there are several things that must be done in digital start-up marketing activities to reach the target market and anticipate competition, namely the dissemination of information by using various digital media to spread or distribute related to the digital business being run. Utilizing opportunities in the digital world is still difficult for young people today, because they have not thought about becoming an entrepreneur. At the stage of the entrepreneurial formation process, they need support from their environment. Every minute a new digital start-up appears with almost the same features as one another, so the skills, innovation and creativity that young people tend to have can be applied.

THE EFFECT OF PERCEIVED SECURITY, PERCEIVED USEFULNESS AND PERCEIVED EASE OF USE ON DECISIONS TO USE QRIS (QR CODE INDONESIAN STANDARD) IN PALEMBANG CITY THROUGH SATISFACTION AS AN INTERVENING VARIABLE Syakia Ramadhani; Deky Anwar; Muhammad Rusdi
Journal of Economics and Development Vol. 2 No. 1 (2025): Journal of Economics and Development (JEnD)
Publisher : CV. Cendikiawan Muda Sriwijaya

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.70656/jend.v2i1.251

This study aims to analyze the effect of perceived security, perceived usefulness, perceived ease of use on decisions to use QRIS in Palembang City through satisfaction as an intervening variable. This study uses a quantitative approach method, the population in this study were QRIS users in Palembang City with a sample size of 226 respondents. The data collection technique uses primary data in the form of distributing questionnaires using a Likert scale. The data analysis technique in this study uses Outer Model Analysis, Inner Model Analysis, Bootstrapping using the Smart-PLS 3.0 program. The results showed that: (1) Perceived Security has no direct effect on Usage Decisions, (2) Perceived Usefulness has a direct positive and significant effect on Usage Decisions, (3) Perceived Ease of Use has a direct positive and significant effect on Usage Decisions, (4) Perceived Security has a direct positive and significant effect on Satisfaction, (5) Perceived Usefulness has a direct positive and significant effect on Satisfaction, (6) Perceived Ease of Use has a direct positive and significant effect on Satisfaction, (7) Satisfaction has a direct positive and significant effect on Usage Decisions, (8) Perceived Security has an indirect effect on Usage Decisions through Satisfaction, (9) Perceived Usefulness has an indirect effect on Usage Decisions through Satisfaction, (10) Perceived Ease of use has an indirect effect on Usage Decisions through Satisfaction. Keywords: Perceived Security, Perceived Usefulness, Perceived Ease of Use, Usage Decision, Satisfaction.

THE INFLUENCE OF THE TAGLINE “FREE SHIPPING”, FLASH SALE AND SOCIO-ECONOMIC STATUS OF PARENTS ON CONSUMPTIVE BEHAVIOR IN SHOPEE E-COMMERCE ON SHARIA ECONOMICS STUDENTS IN PALEMBANG CITY UNIVERSITIES THROUGH HEDONIC SHOPPING MOTIVATION AS AN INTERVENING VARIABLE Iffatur Rohmah; Rina Antasari; Deky Anwar
Journal of Economics and Development Vol. 2 No. 1 (2025): Journal of Economics and Development (JEnD)
Publisher : CV. Cendikiawan Muda Sriwijaya

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.70656/jend.v2i1.253

This study aims to analyze the influence of the "Free Shipping" tagline, flash sales, and parental socioeconomic status on the consumptive behavior of Islamic Economics students at universities in Palembang City, with hedonic shopping motivation as an intervening variable. The research method employed is a quantitative approach, with data analyzed using the SmartPLS application. The population consists of Islamic Economics students at UIN Raden Fatah Palembang, STEBIS IGM, and Muhammadiyah University of Palembang. The results indicate that the "Free Shipping" tagline, flash sales, and parental socioeconomic status partially and simultaneously influence consumptive behavior. Hedonic shopping motivation is proven to be a significant intervening variable that strengthens the relationship between these factors and consumptive behavior. These findings demonstrate that e-commerce promotional strategies and family socioeconomic backgrounds play an important role in encouraging students' consumption patterns. This research offers practical implications for managing student consumption behavior to align with Islamic economic principles. Keywords: Free Shipping, Flash Sale, Socioeconomic Status, Hedonic Shopping Motivation, Consumptive Behavior

The Role of Sharia Monetary Instrument in Liquidity Management and Performance Improvement of Islamic Banking Financial in Indonesia Muwazir, Mohd Rizal; Anwar, Deky; Ab Ghani, Ab Mumin
al-'adalah Vol 15 No 2 (2018): Al-'Adalah
Publisher : Universitas Islam Negeri Raden Intan Lampung

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.24042/adalah.v15i2.3200

This study analyzes the variables of liquidity and financial performance of Islamic banks that affect the number of transactions in Islamic monetary instruments. The aim is to find out which instruments is better in supporting liquidity management and financial performance of Islamic banks in Indonesia. This study uses the CAR and FDR variables as proxies of liquidity and ROA as a proxy for the financial performance of Islamic banks. While the proxy for sharia monetary instruments in Indonesia is the variable SBIS and SBPUS. This study uses monthly Islamic banking reports in Indonesia for the period January 2015 to September 2017. Data is processed and analyzed by Augmented Dickey-Fuller (ADF) Stationery Test as a way of testing stationary data and then testing hypotheses using Vector Autoregression (VAR). This study found that the the most contributing variable to the changes in transaction volume in Islamic monetary instruments was the variable liquidity, namely CAR and FDR. In Addition, SBIS sharia monetary instruments are better used by Islamic banking in Indonesia compared to SBPUS.

Potential Analysis of Zakat in Sharia Banking For Alleviating Poverty Anwar, Deky; Juniawati, Mutmainah; Muwazir, Mohd Rizal
IKONOMIKA Vol 8, No 2 (2023)
Publisher : Universitas Islam Negeri Raden Intan Lampung

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.24042/febi.v8i2.16554

Zakat collection is considered as one of the economic instruments in Indonesia, particularly for the Muslim community, aimed at alleviating poverty. It is well-known that Indonesia has the largest Muslim population in the world, thus the potential of zakat for poverty alleviation in the country is significant. This research aims to analyze the extent of zakat potential in Islamic banking in Indonesia for poverty alleviation. The research utilizes a qualitative descriptive method with content analysis as the data analysis technique. Secondary data, specifically the annual reports of Islamic Commercial Banks (ICBs) from 2019 to 2021, serve as the documents for this study. The findings indicate that the potential of zakat in Islamic banking remains small compared to the potential that should exist in Indonesia. Therefore, it is advisable for the government to implement policies that focus on improving both the collection and management of zakat, involving both the public and the Islamic banking sector.

THE ANALYSIS OF DECISION OF SHARIA BANKING STUDY PROGRAM STUDENTS USING SAVINGS PRODUCTS IN CONVENTIONAL BANK Efrin Canella; Deky Anwar; M. Iqbal
Indonesian Journal of Multidisciplinary Sciences (IJoMS) Vol. 1 No. 1 (2022): Indonesian Journal of Multidisciplinary Sciences (IJoMS)
Publisher : CV. Era Digital Nusantara

This article is entitled Analysis of Decisions by Students of Islamic Banking Study Program Using Products in Conventional Banks (Case Study of Sharia Banking Study Program Students at UIN Raden Fatah Palembang Class of 2017-2018). This research is motivated by students who are still using savings products in conventional banks, therefore the purpose of this research is to find out the factors and causes or reasons that can influence the decisions of students majoring in Islamic banking to use Savings Products at Conventional Banks, which they should using Savings Products at Islamic Banks. In this study, a qualitative descriptive approach was used, the technique for collecting data was the field method. This study uses data namely, primary data by obtaining it through documentation and interviews with 2017-2018 students, other data in this study are secondary data obtained from primary books which are considered representative or representative of the research as complementary data from primary data. Based on the analysis of research conducted on students who use conventional bank products on the basis of awareness of the inappropriate use of Islamic banks, some respondents said that conventional bank products are more than Islamic banks, which only look at the physical side, not religiously, as said respondent, According to him, conventional bank savings products are easier to reach and the facilities are easy to find and available everywhere, even though there is an administrative fee every month, it's not a problem. From the conclusions obtained based on the results of the decisions of students of UIN Raden Fatah Palembang Islamic Banking Department Class of 2017 and 2018 who use savings products at conventional banks, namely consumer behavior consisting of consumer decision makers, consumers who like all-knowing, consumers who like discounts, consumers in making decisions. decisions but wrong As well as factors that relate directly to the Marketing Mix which consists of a Product, Price, Location, Promotion.

Analisis Perilaku Konsumen Pembeli Thrifting dalam Perspektif Ekonomi Syariah: Studi Kasus di Pasar 3-4 Ulu Palembang Msy. Aziza Septiani; Cholidi; Deky Anwar
El-Mal: Jurnal Kajian Ekonomi & Bisnis Islam Vol. 5 No. 6 (2024): El-Mal: Jurnal Kajian Ekonomi & Bisnis Islam
Publisher : Intitut Agama Islam Nasional Laa Roiba Bogor

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.47467/elmal.v5i6.3421

Understanding consumer behavior is very important. By understanding consumer behavior, marketers can provide and offer offers that can attract consumers' interest in purchasing Thrifting. The means used to carry out thrifting transactions are quite varied, namely they can be done online or offline. The type of research in this research is qualitative research. This research uses data collection techniques as follows: documentation, observation, interviews and literature study. The type of data used is primary data obtained from interviews with informants regarding consumer behavior of thrifting buyers from a Sharia Economics perspective, while secondary data obtained comes from books, journals and articles. The results of the analysis show that the consumer behavior of thrifting buyers is due to the good quality of the goods, the price is cheap, consumer behavior occurs due to the influence of friends, family or people around them, while the factors that influence the decision to purchase thrifting are the choice of branded products, brand, place of distribution, time of purchase. , purchase amount, and payment method

Analisis Perilaku Konsumen Pembeli Thrifting dalam Perspektif Ekonomi Syariah: Studi Kasus di Pasar 3-4 Ulu Palembang Msy. Aziza Septiani; Cholidi; Deky Anwar
El-Mal: Jurnal Kajian Ekonomi & Bisnis Islam Vol. 5 No. 6 (2024): El-Mal: Jurnal Kajian Ekonomi & Bisnis Islam
Publisher : Intitut Agama Islam Nasional Laa Roiba Bogor

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.47467/elmal.v5i6.3421

Understanding consumer behavior is very important. By understanding consumer behavior, marketers can provide and offer offers that can attract consumers' interest in purchasing Thrifting. The means used to carry out thrifting transactions are quite varied, namely they can be done online or offline. The type of research in this research is qualitative research. This research uses data collection techniques as follows: documentation, observation, interviews and literature study. The type of data used is primary data obtained from interviews with informants regarding consumer behavior of thrifting buyers from a Sharia Economics perspective, while secondary data obtained comes from books, journals and articles. The results of the analysis show that the consumer behavior of thrifting buyers is due to the good quality of the goods, the price is cheap, consumer behavior occurs due to the influence of friends, family or people around them, while the factors that influence the decision to purchase thrifting are the choice of branded products, brand, place of distribution, time of purchase. , purchase amount, and payment method

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