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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 Profit : Jurnal Kajian Ekonomi dan Perbankan Syariah 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 IIJSE 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 KEMANDIRIAN DAN PENGETAHUAN KEWIRAUSAHAAN TERHADAP MINAT BERWIRAUSAHA MAHASISWA FAKULTAS EKONOMI DAN BISNIS ISLAM Auliya, Nuri; Mutia, Agustina; Habibah, G.W.I. Awal
JURNAL PROFIT Vol 8, No 1 (2024): Economic and Banking
Publisher : Nurul Jadid University

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.33650/profit.v8i1.4551

Abstract

Abstrak Nuri Auliya; NIM: 501180145; pengaruh kemandirian dan pengetahuan kewirausahaan terhadap minat berwirausaha mahasiswa fakultas ekonomi dan bisnis islam.       Minat berwirausaha merupakan rasa senang dan tertarik dalam melakukan aktivitas berwirausaha, dimana seseoang yang memiliki minat berwirausaha akan lebih siap menanggung berbagai resiko yang mungkin akan terjadi ketika seseorang tersebut memutuskan untuk berwirausaha. Tujuan penelitian ini bertujuan untuk mengetahui bagaimana secara pasrsial maupun simultan kemandirian dan pengetahuan kewirausahaan terhadap minat berwirausaha. Dalam penelitian ini, peneliti menggunakan metode Kuantitatif Deskriptif. Teknik yang digunakan dalam pengambilan sampel adalah accidental sampling, yaitu teknik penentuan sampel berdasarkan kebetulan, metode angket yang digunakan yaitu memakai skala likert dan sampel sebanyak 85 responden. Untuk pengumpulan data menggunakan kuesioner, wawancara dan dokumentasi. Teknik analisis data yang digunakan adalah Uji Kualitas Data, Uji Asumsi Klasik, Uji Hipotesis, Analisis Regresi Linear Berganda, Koefisien Determinasi Dan Sumbangan Efektif.      Hasil penelitian menunjukan bahwa : (1) ditemukan bahwa secara simultan dan parsial terdapat pengaruh yang signifikan dari variable kemandirian dan pengetahuan kewirausahaan terhadap minat berwirausaha. (2) variabel kamandirian dan pengetahuan kewirausahaan menunjukan hasil yang berpengaruh positif (gerak searah) terhadap minat berwirausaha. (3) variabel kemandirian lebih dominan dibandingkan variabel pengetahuan kewirausahaan terhadap minat berwirausaha. 
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%.
Implementation of Artificial Intelligence (AI) in Evaluating Strategic Decisions Based on Islamic Values Khotimah, Nadiah Khusnul; Putri, Fioni Amalia; Zahara, Lisa; Maulana, Muhammad Nur; Mutia, Agustina
Indonesian Interdisciplinary Journal of Sharia Economics (IIJSE) Vol 8 No 3 (2025): Sharia Economics
Publisher : Sharia Economics Department Universitas KH. Abdul Chalim, Mojokerto

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.31538/iijse.v8i3.7895

Abstract

Decision-making is an important process in management that involves systematically selecting the best alternative to solve a problem. In the digital era, artificial intelligence (AI) has changed the paradigm of decision-making in companies, especially in marketing, finance, management information systems, and product development. AI enables big data analysis, hidden pattern detection, and automation of processes that previously required human intervention, thereby increasing operational efficiency and innovation. However, the use of AI raises ethical challenges, such as transparency, algorithmic bias, data privacy, and its impact on the workforce. From an Islamic perspective, the application of AI must be in line with sharia principles such as justice ('adl), amanah, maslahah, and shura. AI is seen as a tool (not a substitute) in supporting human duties as caliphs on earth, with use directed to achieve public welfare without violating the boundaries of Islamic ethics and law. Human and AI collaboration in corporate decision-making must be developed holistically with a balanced moral, spiritual, and technological approach to achieve blessings and sustainable welfare (falah).
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.
Co-Authors Alawiyah, Rabiyatul Andriana, Nirhamni Anesa Mufaini, Lyly Anggraini, Suci Anita, Efni Anzu Elvia Zahara Armaz, Eja Auliya, Nuri Damayanti, Ardilla Dedek Kusnadi Elyanti Rosmanidar, Elyanti Fitri, Sasmita Fusfita, Nurlia Gustina, Chairunnisa Habibah, G.W.I. Awal Harahap, Vinta Deliyani Hardianti, Khustiah Ifazah, Laily Ira Setiawati, Ira Ismadharliani, Aztyara Jaker, Mohd Khotimah, Nadiah Khusnul Labaika, Ratna M. Nazori M. Subhan Majid, Nazori Mashitoh, Khilwi Maulana Yusuf Maulana, Muhammad Nur 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, Fioni Amalia 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 ZAHARA, LISA