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All Journal Kontekstualita: Jurnal Penelitian Sosial Keagamaan JABE (Journal of Accounting and Business Education) Jurnal Ilmiah Universitas Batanghari Jambi SYARI'AH : Jurnal Ekonomi Syari'ah Bertuah : Jurnal Syariah dan Ekonomi Islam Al Dzahab ALSYS : Jurnal Keislaman dan Ilmu Pendidikan International Journal of Economics (IJEC) International Journal of Community Service (IJCS) Jurnal Manajemen Keuangan Syariah JIMEB: Jurnal Ilmiah Manajemen, Ekonomi dan Bisnis Margin : Journal of Islamic Banking Jurnal Maisyatuna International Journal of Islamic Finance (IJIF)
Agustina Mutia
Fakultas Syariah IAIN Sulthan Thaha Saifuddin Jambi
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The Role of Sharia-Compliant Financial Institutions in Promoting Economic Stability: Insights from Recent Scholarly Contributions Nazori, Nazori; Rafidah, Rafidah; Mubyarto, Novi; Mutia, Agustina; Rosmanidar, Elyanti
International Journal of Economics (IJEC) Vol. 3 No. 2 (2024): July-December
Publisher : PT Inovasi Pratama Internasional

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.55299/ijec.v3i2.1157

Abstract

This research examines the role of Islamic financial institutions in promoting economic stability through a literature study of recent scholarly contributions. Islamic financial institutions are seen as alternative financial instruments that operate under Islamic principles, which prohibit usury, excessive speculation, and non-transparent activities. This research aims to understand the mechanisms used by Islamic financial institutions in creating economic stability and evaluate the latest empirical evidence supporting such contributions. The research method used is a literature study with a qualitative approach, where various journals and research reports on Islamic finance, economic stability, and monetary policy are reviewed and analysed. The results show that Islamic financial institutions play an important role in economic stability through asset-based financing, portfolio diversification, as well as the application of risk management in accordance with Islamic principles. This research contributes to providing policy makers, academics, and financial practitioners with a deeper understanding of the potential of Islamic financial institutions as instruments that can strengthen economic stability.
PENGARUH LITERASI KEUANGAN, SIKAP KEUANGAN DAN KEPRIBADIAN TERHADAP PERILAKU PENGELOLAAN KEUANGAN PADA MAHASISWA DI KOTA JAMBI Jaker, Mohd; Majid, Nazori; Mutia, Agustina
Manajemen Keuangan Syariah Vol. 3 No. 2 (2023): Journal of Islamic Financial Management
Publisher : Program Studi Manajemen Keuangan Syariah

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.30631/makesya.v3i2.2012

Abstract

The era of the industrial revolution 5.0 inIndonesia is currently making society as modern humans must have financial intelligence, namely intelligence in managing being responsible for their personal finances so as not to cause an imbalance between income and expenses which will also have an impact on the level of welfare of the individual's life.This research is a quantitative research with primary data as the data source used. The population in this study were 7 Islamic tertiary institutions in Jambi City with a total of 14,760 students. There are three data analyzes used in this study, namely the classic assumption test which consists of a normality test, multicollinearity test and heteroscedasticity test. The results showed that the classical assumption test had been fulfilled. Based on the results of testing the financial literacy variable (X1) it influences financial management behavior with a significance level of 0.013. The financial attitude variable (X2) has an effect on financial management with a significance level of 0.000. Spiritual intelligence variable (X3) has no effect on financial management with a significance level of 0.268. Meanwhile, the financial literacy variables, financial attitudes and financial intelligence jointly affect student financial management. Keywords: Financial Literacy, Spiritual Intelligence, Financial Management  
The Influence of Sharia Financial Literacy, Technology, and Investment Knowledge on Investment Decisions Among the Millennial Generation Nikmah, Isnadiatun; Mutia, Agustina; Putri, Nurrahma Sari; M. Nazori
International Journal of Islamic Finance Vol. 3 No. 1 (2025): May 2025
Publisher : Department of Islamic Financial Management, Faculty of Economics and Islamic Business, Sunan Kalijaga State Islamic University, Yogyakarta, Indonesia.

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.14421/ijif.v3i1.2592

Abstract

Background: Investment refers to the act of allocating funds or capital into assets with the expectation of generating future profits. Sound investment decisions are typically grounded in meticulous financial planning and a comprehensive understanding of associated risks and potential returns. Objectives: This study aims to examine the influence of Islamic financial literacy, technology, and investment knowledge on investment decisions among the millennial generation in Jambi City. Novelty: In this study, investment decisions serve as the dependent variable, while Islamic financial literacy, technology, and investment knowledge are the independent variables. The research focuses on the millennial generation residing in Jambi City.Research Methodology / Design: This quantitative study employs a population of 151,855 millennial residents in Jambi City. A probability sampling technique was utilized to select 100 respondents. Data were collected through questionnaires using a Likert scale measurement. Analytical methods included validity and reliability tests, R-squared analysis, and hypothesis testing via bootstrapping using Smart PLS 4.0 software. Findings: The findings indicate that Sharia financial literacy exerts a positive yet statistically insignificant influence on investment decisions, whereas technology and investment knowledge demonstrate a positive and statistically significant impact on investment decisions. Implication: Future studies are encouraged to incorporate additional variables to identify other factors influencing investment decisions.
PENGARUH PEMBIAYAAN ARRUM BPKB DAN TEKNOLOGI TERHADAP PERKEMBANGAN USAHA KECIL MIKRO DAN MENENGAH (UMKM) (Studi pada Nasabah PT. Pegadaian Syariah Jelutung Jambi) Yusuf, Maulana; Mutia, Agustina; mashitoh, khilwi
MARGIN: Journal of Islamic Banking Vol 5 No 1 (2025): MARGIN JOURNAL OF ISLAMIC BANKING
Publisher : UIN Sulthan Thaha Saifuddin Jambi

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.30631/keh4me14

Abstract

Tujuan dari penelitian ini adalah untuk mengetahui dan menganalisis pengaruh Arrum BPKB dan teknologi terhadap perrkermbangan usaha mirkro kercirl dan mernerngah (UMKM) pada nasabah PT. Pergadairan Syarirah Jerlutung Jambi. jenis penelitian adalah kuantitatif dengan data yang digunakan adalah data primer dan data sekunder. Sampel dalam penelitian ini adalah 74 UMKM nasabah PT. Pegadaian Syariah Jelutung dengan pengumpulan data menggunakan kuisioner. Analisis data menggunakan regresi linear berganda. Hasil penelitian menunjukkan bahwa pembiayaan Arrum BPKB berpengaruh signifikan terhadap perrkermbangan usaha mirkro kercirl dan mernerngah (UMKM) pada nasabah PT. Pergadairan Syarirah Jerlutung Jambi, sedangkan teknologi berpengaruh tidak signifikan terhadap perrkermbangan usaha mirkro kercirl dan mernerngah (UMKM) pada nasabah PT. Pergadairan Syarirah Jerlutung Jambi. Penbiayaan Arrum BPKB dan eknologi berpengaruh terhadap perrkermbangan usaha mirkro kercirl dan mernerngah (UMKM) pada nasabah PT. Pergadairan Syarirah Jerlutung Jambi dengan besaran pengaruh 63,6%.
PENGARUH CITRA MEREK, HARGA DAN RELIGIUSITAS TERHADAP KEPUTUSAN PEMBELIAN LIPSTIK PADA MAHASISWI DI KOTA JAMBI Damayanti, Ardilla; Mutia, Agustina; Ifazah, Laily
Jurnal Ilmiah Manajemen, Ekonomi dan Bisnis Vol. 3 No. 1 (2024): :Januari : Jurnal Ilmiah Manajemen, Ekonomi dan Bisnis
Publisher : Universitas Sains dan Teknologi Komputer

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.51903/jimeb.v3i1.699

Abstract

This study aims to determine the effect of brand image, price and religiosity on the decision to buy lipstick on female students in Jambi City. The population in this study were female students in Jambi City, namely Sulthan Thaha Saifuddin Jambi State Islamic University, Muhammadiyah University and Stai Ma'arif. The number of samples in this study were 371 people using a stratified random sampling technique. The method used in this study is the quantitative method, and the data analysis method used is validity test, reliability test, multiple linear regression, t test, f test and test the coefficient of determination with SPSS 25 tools. Based on the partial test results (T test) the brand image variable (X1) indicates that the calculated t value is greater than t table, namely 5.104 > 1.966 with a significance level of 0.000 <0.05, thus it can be concluded that "brand image has a significant influence on purchasing decisions". The price variable (X2) shows that the calculated t value is greater than t table, namely 4.378 > 1.966 with a significance level of 0.000 <0.05, thus it can be concluded that "price has a significant influence on purchasing decisions. Religiosity variable (X3) shows that the calculated t value is greater than t table, namely 4.459 > 1.966 with a significance level of 0.000 <0.05, thus it can be concluded that "religiosity has a significant influence on purchasing decisions. From the research results of the simultaneous test results (Test F) brand image, price and religiosity variables have a positive and significant effect on purchasing decisions. In testing the classical assumptions of this study, the distribution is normal, there is no heteroscedasticity and multicollinearity.
PENGARUH KUALITAS PELAYANAN, KELENGKAPAN PRODUK DAN LOKASI TERHADAP KEPUTUSAN PEMBELIAN KONSUMEN Mutia, Agustina; Rahma, Sri; Gustina, Chairunnisa
Al Dzahab Vol. 5 No. 2 (2024): Al Dzahab: Journal of Economics, Management, Business and Accounting
Publisher : Institut Agama Islam Negeri Kerinci

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.32939/dhb.v5i2.3094

Abstract

Purpose: This research aims to determine and analyze the influence of service quality, product completeness, and location on purchasing decisions. Design/Methodology/Approach: The method used is a quantitative method with data analysis, namely the Determinant Coefficient Test. Findings: The research results show that service quality, product completeness, and location have a positive and significant effect on purchasing decisions. Research Implications: The results of calculating the coefficient of determination show that the variables of service quality, product completeness and location are 39% and the remaining 61% are influenced by other variables outside this research.
Analysis of Syaria Strategic Management in Facing Business Competition (Study on Mie Gacoan Mayang Jambi City) Mercyana, Sefi; Mutia, Agustina; Fitri, Sasmita; Yonie, Rika; Harahap, Vinta Deliyani; Rahman, Radiansyah; Usdeldi, Usdeldi
International Journal of Economics (IJEC) Vol. 3 No. 2 (2024): July-December
Publisher : PT Inovasi Pratama Internasional

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.55299/ijec.v3i2.606

Abstract

This research was conducted at Mie Gacoan Mayang, the aim of this research was to determine strategic management in facing business competition. The research carried out was a qualitative descriptive approach. The object of this research is Mie Gacoan Mayang. The data collection techniques used are observation, interviews and documentation, the data collection techniques used are observation, interviews and documentation, the data sources used are primary data and secondary data, and data analysis consists of inductive techniques, deductive techniques and drawing conclusions. The research results obtained regarding Marketing Excellence Strategy Management Analysis, where the marketing excellence strategy is carried out by providing quality products at affordable prices in accordance with the quality of the product in attracting and retaining consumers.
Analysis of Effectiveness and Efficiency in MSME Management for Increasing Income in Mendalo Darat Village, Muaro Jambi Rafidah, Rafidah; M. Nazori; Rosmanidar, Elyanti; Mutia, Agustina; Usdeldi, Usdeldi; Anita, Efni; Fusfita, Nurlia; Rahma, Sri; M. Subhan; Nofriza, Eri; Alawiyah, Rabiyatul
International Journal of Economics (IJEC) Vol. 3 No. 2 (2024): July-December
Publisher : PT Inovasi Pratama Internasional

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.55299/ijec.v3i2.608

Abstract

The problem in this study is the decline in the income level of MSME actors during the Covid-19 pandemic, one of the reasons for this is the lack of effectiveness and efficiency of financial management in their businesses, business actors feel they do not understand how to make policies in managing their business finances. The purpose of this study is to determine the effectiveness and efficiency of MSME Mendalo Darat in increasing income and to find out what obstacles are experienced by MSME Mendalo Darat actors in efforts to increase income. The type of method in this study is field/qualitative research. The income of MSME Mendalo Darat has decreased in the Covid-19 era so that e-commerce has a positive impact on the income of  MSME Mendalo Darat.
An Overview of the Palm Oil Plantation Industry and its Social Impact on Local Communities in Jambi Province, Sumatra, Indonesia Aziz, Arfan; Armaz, Eja; Rafidah, Rafidah; M. Nazori; Rosmanidar, Elyanti; Mutia, Agustina; Usdeldi, Usdeldi; Anita, Efni; Fusfita, Nurlia; Rahma, Sri; M. Subhan; Nofriza, Eri; Alawiyah, Rabiyatul
International Journal of Economics (IJEC) Vol. 3 No. 2 (2024): July-December
Publisher : PT Inovasi Pratama Internasional

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.55299/ijec.v3i2.839

Abstract

This study aims to provide a comprehensive overview of the palm oil plantation industry and its social impacts on local communities in Jambi Province, Sumatra, Indonesia. Palm oil plantations have become an important economic sector in the region, contributing significantly to the local and national economy. However, on the other hand, the expansion of this industry has also given rise to a variety of complex social and environmental problems. This study uses a qualitative approach with in-depth interviews, field observations, and document analysis to examine the socio-economic impacts on local communities. The results show an increase in the economic welfare of local communities through job creation and infrastructure improvements. However, negative impacts such as land conflicts, environmental degradation, and changes in culture and traditional livelihoods were also found. This study underlines the need for more sustainable and equitable policies in the management of palm oil plantations to minimize negative impacts on local communities and the environment in Jambi Province.
Analysis of Leading Sectors in Padang Pariaman District and West Sumatra Province Using Methods (DLQ, SLQ, and Shift Share) Ramadhani, Febi; Voni, Salsa; Nikmah, Isnadiatun; Sari, Puspa; Labaika, Ratna; Hardianti, Khustiah; Mutia, Agustina
International Journal of Economics (IJEC) Vol. 3 No. 2 (2024): July-December
Publisher : PT Inovasi Pratama Internasional

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.55299/ijec.v3i2.967

Abstract

The current complex regional development has encouraged intense competition between regions. To improve people's welfare, local governments need to increase the competitiveness of their regions. the measure of measuring regional economic growth is known as the Gross Regional Domestic Product (GDP). The purpose of the research conducted by the current author is to measure differences in the development of economic growth in the province of West Sumatra and the districts/cities of West Pasaman using the SLQ & DLQ analytical method, analysis shift shares. This study uses a quantitative descriptive approach. The data used are secondary data, namely research data obtained from the Central Statistics Agency (BPS) of West Sumatra Province and West Pasaman Regency/City in the form of Gross Regional Domestic Product (GRDP) data on the basis of constant prices (ADHK). ). The data used are 2018 & 2022, namely research by analyzing the data tested statistically and interpreting them in the form of descriptive sentences. Results from SLQ & DLQ analysts Based on the combined results of SLQ and DLQ analysis during the 2018 & 2022 observation period, the DLQ value> 1. This means that almost all economic sectors have the potential for faster development, and other economic sectors have a DLQ <1, which means that a commodity or sector with a score less than one is not a regional leading sector and still needs special attention for development.
Co-Authors Abda Abda Alawiyah, Rabiyatul Andriana, Nirhamni Anesa Mufaini, Lyly Anggraini, Suci Anita, Efni Anzu Elvia Zahara Armaz, Eja arzmi, Muhammad riski Damayanti, Ardilla Dedek Kusnadi Elyanti Rosmanidar, Elyanti Fitri, Sasmita Fusfita, Nurlia Gustina, Chairunnisa Hamzah, Muhammad Maulana Harahap, Vinta Deliyani Hardianti, Khustiah Hassanee, Narong Hermanda, Azzahra Puan Hidayat, Angger Ifazah, Laily Ira Setiawati, Ira Ismadharliani, Aztyara Jaker, Mohd Labaika, Ratna M. Nazori M. Subhan Majid, Nazori Mashitoh, Khilwi Maulana Yusuf Mercyana, Sefi Monalisa, Siska Mubyarto, Novi Muhammad Husen, Muhammad Muhammad Subhan Nazori, Nazori Nikmah, Isnadiatun Ningsih, Putri Apria Nofriza, Eri Pancawati Hardiningsih Permata, Tika Agu Prakasa, Bayu Puspa Sari, Puspa Putri, Nurrahma Sari Putriana, Marissa Rafidah Rafidah Rafidah Rahma, Sri Rahman, Radiansyah Rahman, Sakinah Ramadhani, Febi Usdeldi, Usdeldi Voni, Salsa Yonie, Rika Youdhi Prayogo Yuniar, Vita