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All Journal Jurnal Manajemen Terapan dan Keuangan Jurnal Ilmiah Ekonomi Islam Jurnal Ilmiah Dikdaya Bertuah : Jurnal Syariah dan Ekonomi Islam EMBISS: Jurnal Ekonomi, Manajemen, Bisnis, Sosial Iqtishaduna : Jurnal Ilmiah Mahasiswa Hukum Ekonomi Syariah International Journal of Social Service and Research Proceeding International Seminar of Islamic Studies Jurnal Perspektif Pembiayaan dan Pembangunan Daerah Al-Masraf: Jurnal Lembaga Keuangan dan Perbankan JURNAL PENGABDIAN PENDIDIKAN MASYARAKAT (JPPM) Jambi Accounting Review (JAR) Journal of Management and Creative Business Money: Journal of Financial and Islamic Banking NAJAHA IQTISHOD : Journal of Islamic Economic and Finance Neraca: Jurnal Ekonomi, Manajemen dan Akuntansi Jurnal Ilmiah Ekonomi dan Manajemen Neraca Manajemen, Akuntansi, dan Ekonomi JPM MOCCI : Jurnal Pengabdian Masyarakat Ekonomi, Sosial Sains dan Sosial Humaniora, Koperasi, dan Kewirausahaan Santri : Jurnal Ekonomi dan Keuangan Islam Journal of Innovative and Creativity Jurnal Penelitian Pendidikan Indonesia Kreativasi: Journal of Community Empowerment BEKTI : Jurnal Pengabdian Kepada Masarakat Jurnal Pengembangan dan Pengabdian Masyarakat Indonesia Economic Journal Journal of Shariah Economics
Nurida Isnaeni
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PENGARUH PENGGUNAAN CASHLESS PAYMENT DAN LITERASI KEUANGAN TERHADAP PERILAKU KONSUMTIF GENERASI Z KOTA JAMBI Atika Ratu Kinanti; Paulina Lubis; Arfah; Nurida Isnaeni
Iqtishaduna: Jurnal Ilmiah Mahasiswa Hukum Ekonomi Syariah Vol 7 No 3 (2026): April
Publisher : Jurusan Hukum Ekonomi Syariah Fakultas Syariah dan Hukum Uin Alauddin Makassar

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.24252/iqtishaduna.v7i3.66414

Abstract

Abstrak Penelitian ini bertujuan untuk melihat pengaruh cashless payment dan literasi keuangan terhadap perilaku konsumtif generasi Z di Kota Jambi. Perubahan kecenderungan perilaku belanja dan pesatnya perkembangan teknologi pendukung transaksi keuangan, membawa pengaruh nyata dalam mempengaruhi perubahan perilaku pelanggan di tengah era transaksi digital. Penelitian ini menggunakan metode kuantitatif dengan pendekatan survey. Data diperoleh melalui penyebaran kuesioner kepada 97 responden yang merupakan generasi Z di Kota Jambi. Analisis data dilakukan dengan metode regresi linier berganda menggunakan software SPSS. Hasil penelitian menunjukkan bahwa secara parsial cashless payment (X1) tidak berpengaruh signifikan terhadap perilaku perilaku konsumtif generasi Z dan Literasi keuangan (X2) berpengaruh signifikan terhadap perilaku perilaku konsumtif generasi Z. Secara simultan pengaruh cashless payment dan literasi keuangan berpengaruh terhadap perilaku perilaku konsumtif generasi Z di Kota Jambi.  Kata kunci: Cashless Payment, Literasi Keuangan, Perilaku Konsumtif dan Generasi Z.   Abstract This research aims to examine the influence of cashless payment and financial literacy on the consumer behavior of generation Z in Jambi City. Changes in shopping behavior trends and the rapid development of technology supporting financial transactions have a real influence in influencing changes in customer behavior in the digital transaction era. This study uses a quantitative method with a survey approach. Data were obtained through distributing questionnaires to 97 respondents who are generation Z in Jambi City. Data analysis was carried out using multiple linear regression methods using SPSS software. The results of the study indicate that partially cashless payment (X1) has no significant effect on the consumer behavior of generation Z and financial literacy (X2) has a significant effect on the consumer behavior of generation Z. Simultaneously, the influence of cashless payment and financial literacy has an effect on the consumer behavior of generation Z in Jambi City.  Keyword: Cashless Payment, Financial Literacy, Consument Behavior and Generation Z.
Analisis Dampak Penambangan Emas Terhadap Kondisi Lingkungan Dalam Tinjauan Ekonomi Islam Muhammad Alhadi Mustopa; Nurida Isnaeni
Jurnal Ilmiah Dikdaya Vol 16, No 1 (2026): April
Publisher : Universitas Batanghari Jambi

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.33087/dikdaya.v16i1.896

Abstract

Gold mining activities play an important role in improving the economic conditions of both communities and the state. However, these activities often cause negative environmental impacts, such as water and soil pollution, ecosystem degradation, and a decline in the quality of life of communities living around mining areas. This study aims to examine the environmental impacts of gold mining from the perspective of Islamic economics. The research method employed is a literature review by analyzing various sources that discuss gold mining, environmental issues, and the concepts of Islamic economics. The results indicate that gold mining practices that neglect environmental sustainability are not in accordance with the principles of Islamic economics, particularly the values of trust (amanah), justice, and public welfare (maslahah). From the perspective of Islamic economics, natural resources are considered a trust that must be managed wisely and sustainably. Therefore, gold mining activities are only acceptable when they are carried out by applying environmentally friendly principles, responsible waste management, and fair policies for local communities and the surrounding environment. This study emphasizes the importance of balancing economic benefits with environmental conservation in order to achieve sustainable welfare.
ENTREPRENEURIAL CAPACITY BUILDING AMONG WOMEN-HEADED HOUSEHOLDS : AN INTEGRATED FRAMEWORK OF SELF-RELIANCE, CREATIVITY, AND ENTREPRENEURSHIP TRAINING IN JAMBI CITY Isnaeni, Nurida; Indrawijaya, Sigit; Lubis, Paulina
Jurnal Manajemen Terapan dan Keuangan Vol. 15 No. 02 (2026): Jurnal Manajemen Terapan dan Keuangan
Publisher : Program Studi Manajemen Pemerintahan dan Keuangan Daerah Fakultas Ekonomi dan Bisnis Universitas Jambi

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.22437/jmk.v15i02.54168

Abstract

Abstract The rising number of Women-Headed Households in Indonesia has intensified household economic vulnerability, positioning entrepreneurship as a critical survival and empowerment strategy. However, the psychological mechanisms through which entrepreneurial intention is formed among economically vulnerable groups remain underexamined, as most evidence derives from student and general-enterprise populations. This study reconceptualizes entrepreneurship training as a capacity-building mechanism and examines how creativity and self-reliance shape entrepreneurial intention among Women-Headed Households in Jambi City. Grounded in Self-Determination Theory and interpreted through the Capability Approach, the study integrates creativity, self-reliance, entrepreneurial intention, and entrepreneurship training into a single explanatory model. A quantitative approach was applied, with data collected from 38 members of the SABDA community through stratified random sampling and analyzed using Partial Least Squares Structural Equation Modeling (SEM-PLS) in SmartPLS 4.0. The findings reveal that self-reliance exerts a positive and significant effect on both entrepreneurial intention and entrepreneurship training participation, and that entrepreneurial intention significantly strengthens training participation. In contrast, creativity shows a positive but statistically insignificant effect on both outcomes. These results indicate that within vulnerable populations, agentic capacity anchored in self-reliance is a more decisive driver of entrepreneurial readiness than ideational capacity anchored in creativity. The study contributes a capacity-building perspective to entrepreneurial-intention research, extends Self-Determination Theory to the context of vulnerable-group empowerment, and offers policy guidance for designing empowerment programs that prioritize the cultivation of autonomy and agency. Keywords: Entrepreneurial Capacity Building; Creativity; Self-Reliance; Entrepreneurship Training; Entrepreneurial Intention; Women-Headed Households
BATOKU JAMBI: PEMANFAATAN BATOK KELAPA SEBAGAI SENI KRIYA BERBASIS KEARIFAN LOKAL RAMAH LINGKUNGAN DI ERA MODERN RD. Azi Kusuma Wijaya Kusuma Wijaya; Natata Julian; Fauzi Nugraha; Shevi Nurbaeti; Fitri Yani; Nurida Isnaeni
Jurnal Pengabdian Pendidikan Masyarakat (JPPM) Vol 5 No 1 (2024): Jurnal Pengabdian Pendidikan Masyarakat (JPPM) Vol 5 No 1 (2024)
Publisher : LPPM UNIVERSITAS MUHAMMADIYAH MUARA BUNGO

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.52060/jppm.v5i1.1692

Abstract

Provinsi Jambi merupakan salah satu penghasil produksi kelapa yang cukup besar yaitu sebesar 48 % pada tahun 2021. Karena produksinya yang besar sehingga limbah yang dihasilkan pun melimpah. Limbah yang kotor dan bertumpukan membuat lingkungan menjadi kotor dan tidak sehat. Melihat  permasalahan tersebut kami para mahasiswa melaui Program Mahasiswa Wirausaha berinisiatif untuk memanfaatkan limbah batok kelapa agar dapat dimanfaatkan menjadi sebuah kerajinan tangan yang bernilai jual dan nilai seni tinggi. Olahan kerajinan  tangan dari batok kelapa tersebut diberi nama BATOKU Jambi dengan kerajinan yang dihasilkan yaitu berupa gantungan kunci, kalung, cincin, dan hiasan meja yang memiliki ciri khas dengan mengangkat kearifan lokal daerah Jambi yaitu Tugu Keris Siginjai dan Angso Duo. Dengan adanya pemanfaatan limbah batok kelapa menjadi usaha ini diharapkan bisa memberikan manfaat baik bagi masyarakat, mahasiswa maupun pembaca.
Model Pemberdayaan Ekonomi Ibu Kepala Keluarga Berbasis Kewirausahaan Islami Untuk Penguatan Ketahanan Ekonomi Rumah Tangga Di Kota Jambi Agus Purnama; Nurida Isnaeni
Indonesia Economic Journal Vol. 2 No. 2 (2026): JULI-DESEMBER
Publisher : Indo Publishing

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.63822/1fy5pg36

Abstract

Ibu kepala keluarga merupakan kelompok yang rentan secara ekonomi akibat keterbatasan akses terhadap sumber daya produktif, rendahnya literasi keuangan, serta beban ganda dalam menjalankan fungsi domestik dan ekonomi. Kondisi tersebut memerlukan strategi pemberdayaan yang tidak hanya meningkatkan pendapatan, tetapi juga memperkuat ketahanan ekonomi rumah tangga secara berkelanjutan. Penelitian ini bertujuan menganalisis kondisi kerentanan ekonomi ibu kepala keluarga, mengkaji peran kewirausahaan Islami dalam meningkatkan kapasitas ekonomi, mengidentifikasi faktor-faktor yang memengaruhi ketahanan ekonomi rumah tangga, serta merumuskan model pemberdayaan ekonomi berbasis kewirausahaan Islami. Penelitian menggunakan pendekatan kualitatif deskriptif melalui wawancara mendalam, observasi, dan dokumentasi. Analisis data dilakukan menggunakan model interaktif Miles dan Huberman, sedangkan keabsahan data dijamin melalui triangulasi sumber dan teknik. Hasil penelitian menunjukkan bahwa ketahanan ekonomi rumah tangga dibentuk oleh sinergi antara penguatan kapasitas individu, internalisasi nilai-nilai kewirausahaan Islami, dan dukungan kelembagaan. Penelitian ini menghasilkan model pemberdayaan ekonomi berbasis kewirausahaan Islami yang mengintegrasikan ketiga komponen tersebut sebagai strategi untuk meningkatkan kemandirian usaha dan memperkuat ketahanan ekonomi rumah tangga ibu kepala keluarga.
THE EFFECTIVENESS OF THE DIRECT CASH ASSISTANCE (BLT) PROGRAM IN SEBAPO VILLAGE, MESTONG SUB-DISTRICT, MUARO JAMBI REGENCY Fadhillah, Resky; Indrawijaya, Sigit; Isnaeni, Nurida
Jambi Accounting Review (JAR) Vol 7 No 1 (2026): Jambi Accounting Review (JAR)
Publisher : Jurusan Akuntansi FEB Universitas Jambi

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.22437/xd54kt86

Abstract

The Village Fund Direct Cash Assistance Program (Bantuan Langsung Tunai Dana Desa/BLT Dana Desa) is one of the government policies aimed at poverty alleviation and social protection for rural communities. However, in its implementation in Sebapo Village, Mestong District, Muaro Jambi Regency, there has been a decline in the number of BLT beneficiaries over time. This study aims to analyze the effectiveness of the Village Fund BLT program and to identify the factors influencing the decrease in the number of BLT beneficiaries in Sebapo Village. This research employs a qualitative approach with a descriptive method. Data were collected through interviews, observation, and documentation involving village government officials and community members who received BLT. The results indicate that the implementation of the Village Fund BLT program in Sebapo Village has been relatively effective in terms of targeting accuracy and distribution mechanisms. However, the decline in the number of BLT beneficiaries is influenced by several factors, including limited allocation of the Village Fund BLT budget, stricter beneficiary selection to avoid overlapping assistance, limited beneficiary quotas at the neighborhood level, suboptimal socialization to the community, and policy adjustments in response to changes in the socio-economic conditions of the community. The decrease in the number of BLT beneficiaries is not due to a reduced need among the community, but rather reflects policy adjustments and program management to comply with prevailing regulations
Perceived Islamic financial knowledge, Islamic financial service utilization, and women’s economic empowerment among women micro-and small-enterprise owners in Jambi Amri, Ari Dean; Lubis, Paulina; Isnaeni, Nurida; Pratiwi, Heni; Silvera, Dica Lady; Suardi, Vivi Paramita
Jurnal Perspektif Pembiayaan dan Pembangunan Daerah Vol. 14 No. 3 (2026): Jurnal Perspektif Pembiayaan dan Pembangunan Daerah
Publisher : Program Magister Ilmu Ekonomi Pascasarjana Universitas Jambi

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.22437/ppd.v14i3.50991

Abstract

This study examines the relationships between perceived Islamic financial knowledge, Islamic financial service utilization, and women’s economic empowerment among women micro- and small-enterprise owners in Jambi Province, Indonesia. It distinguishes respondents’ perceived knowledge of Islamic finance from their self-reported use of Islamic financial products and services. A quantitative cross-sectional design was employed, supplemented by follow-up semi-structured interviews to provide contextual insight into the quantitative findings. Survey data were collected from 149 women entrepreneurs operating micro and small enterprises with prior experience using Islamic financial services and were analyzed using Partial Least Squares Structural Equation Modeling (PLS-SEM). We then conducted follow-up semi-structured interviews with 12 purposively selected survey participants to contextualize the observed relationships. The results show that perceived Islamic financial knowledge and Islamic financial service utilization are both positively and significantly associated with women’s economic empowerment. Islamic financial service utilization exhibits the larger estimated association, suggesting that more extensive reported use of Islamic financial services is more closely associated with empowerment than perceived financial knowledge alone. Participants in the follow-up interviews described institutional reach, financing procedures, digital access, and business assistance as contextual conditions that may facilitate or constrain the use of Islamic financial services. By empirically distinguishing perceived financial knowledge from self-reported service utilization, this study provides a more precise account of their respective relationships with women’s economic empowerment. The findings suggest that practical Islamic financial education should be complemented by measures that facilitate the informed, sustained, and productive use of appropriate Islamic financial services among women-owned micro and small enterprises.
Co-Authors , Fitriani , M. Abasri , Ridhwan Aditya Pratama Aditya Pratama Adry Rusdiansyah Meidi Agus Purnama Amaludin Efendi Harahap Amelia Cyntia Putri Amri Amir Amri Amir Amri Amir Amri, Ari Dean AMRI, ARY DEAN Anggreyni, Rizky Aprilliani, Nivaen Aprizal, Yusuf Zaini Arfah Arfah, Arfah Atika Ratu Kinanti Chairiyati, Fauziah Corina Dahmiri Dany Saputra, Anugrah Dayanti Rahayu Dela Fauzia Devi Rahmawati, Devi Enggrani Fitri, Lucky Evalina Alissa dan Arrie Budhiartie Fadhillah, Resky Fauzi Nugraha Fitri Setya Ningrum Fitri Yani Fitri Yani Frisca D. Br. Silalahi Handari, Fitri Harpeni, Harpeni Heriberta Heriberta Husnul Khatimah Julian, Natata Karin, Kharenina Khairun Najwa khori perdana Kusuma Wijaya, RD. Azi Kusuma Wijaya Lili Rahma Yanti Lubis, Paulina LUBIS, PAULINA Lucky Enggrani Fitri Lutfiah Agnesia Putri Rana Manna Sari Mona Liza Meisa Putri Melisa Mentari Melta Vatmala Sari Muhammad Alhadi Mustopa Muhammad Qodri Muhammad Roihan Musdalifah Musdalifah Natata Julian Nazrul Musyafiq Neti Amelia Ngatinah Ngatinah Nugraha, Fauzi Nurbaeti, Shevi Nurdiani Nurdiani Nurdinia, Rahma Nurul Irtiah Fajriati P. Eko Prasetyo Padlan, Muhammad Paulina Lubis Pratiwi, Heni Qodri, Muhammad Amin Rafiqi Rafiqi Rafiqi Rama Fajri Ramadhani Surya, Natasya Ramansyah, Dian Raudhatul Jannah, Dhivani RD. Azi Kusuma Wijaya Kusuma Wijaya Revani Rahma Diana Rico Wijaya Z Ridhwan Ridhwan Ridhwan, Ridhwan Rista Aldilla Syafri Roihan, Muhammad Ronaldo Aidil Putra Rosa Afri Herawati RR. Ella Evrita Hestiandari Rudianto Rudianto Septi Utami, Nazariya Shevi Nurbaeti Sigit Indrawijaya Silvera, Dica Lady Stiawan, Yahya Budi Suardi, Vivi Paramita Syahrinur Fitriah Vina Nuratika Wahyu Alkautsar Wiliam Krishna Wulansari, Astri Yantara Anggara, Nofri Yolanda, Mela Zalfa Rianda Zami Aprizal, Yusuf