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All Journal Ekonomikawan : Jurnal Ilmu Ekonomi dan Studi Pembangunan At-Taradhi: Jurnal Studi Ekonomi Jurnal Al-Qardh Syarikat : Jurnal Rumpun Ekonomi Syariah Journal of Islamic Economics Lariba Jurnal Magister Ekonomi Syariah Jurnal Ekonomi Syariah Jurnal Ekonomi dan Bisnis (Ekobis-DA)
Erissa Nilasari
Universitas Islam Negeri Antasari Banjarmasin
Religion Humanities Economics, Econometrics & Finance Education Social Sciences

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Korelasi Pelaksanaan Edukasi dari Otoritas Jasa Keuangan (OJK) dengan Perilaku Keuangan Masyarakat di Kecamatan Bajuin Kabupaten Tanah Laut Nilasari, Erissa; Faridah, Rohana
At-Taradhi Jurnal Studi Ekonomi Vol 15 No 1 (2024): At-Taradhi: Jurnal Studi Ekonomi
Publisher : Islamic Economics and Business Faculty of UIN Antasari

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.18592/taradhi.v15i1.15931

Abstract

Knowledge of financial institutions, especially regarding how to use financial institutions services, knowledge about the importance of making short and long-term financial savings, and how to manage expenditures are some of the aspects expected by the community through financial education programs by disseminating information about financial services institutions. This study seeks to find a correlation (relationship) in the implementation of education from the Financial Services Authority (OJK) with the financial behavior of the people in Bajuin District, Tanah Laut Regency. Data collection techniques using questionnaires and field observations with purposive sampling method and the number of respondents as many as 50 people spread across six villages. Data analysis techniques used the Pearson correlation method. The results showed that the implementation of education from the Financial Services Authority (OJK) had a positive correlation (amounting to 0.401) with the financial behavior of the people in the Bajuin District. However, the correlation is classified as weak.   Pengetahuan akan lembaga keuangan, khususnya mengenai bagaimana memanfaatkan jasa lembaga keuangan, pengetahuan mengenai pentingnya membuat simpanan keuangan jangka pendek dan jangka panjang, serta bagaimana mengelola pengeluaran merupakan beberapa aspek yang diharapkan akan dimiliki oleh masyarakat melalui program edukasi keuangan dengan cara sosialisasi mengenai lembaga jasa keuangan. Penelitian ini berusaha untuk mencari korelasi (hubungan) pelaksanaan edukasi dari Otoritas Jasa Keuangan (OJK) dengan perilaku keuangan masyarakat di Kecamatan Bajuin, Kabupaten Tanah Laut. Teknik pengumpulan data menggunakan kuesioner dan observasi lapangan dengan metode purposive sampling serta jumlah responden sebanyak 50 orang yang tersebar di enam desa. Teknik analisa data menggunakan metode korelasi Pearson. Hasil penelitian menunjukkan bahwa pelaksanaan edukasi dari Otoritas Jasa Keuangan (OJK) mempunyai korelasi yang positif (sebesar 0,401) dengan perilaku keuangan masyarakat di Kecamatan Bajuin. Namun, korelasinya tergolong lemah.
Open Unemployment in South Kalimantan: Can School Participation and Workforce Rates Affect It? Zulhikmah, Nurlina; Dahliana, Difi; Nilasari, Erissa
JURNAL EKONOMI DAN BISNIS (EKOBIS-DA) Vol. 6 No. 1 (2025): Vol 06 No. 01 Januari-Juni 2025 : Jurnal Ekonomi dan Bisnis (Ekobis-DA)
Publisher : Fakultas Ekonomi dan Bisnis IAI Darussalam Martapura

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.58791/febi.v6i1.339

Abstract

Unemployment is created as a result of the increase in job vacancies being lower than the increase in the workforce, resulting in a large number of unemployed workers in the economy. This study aims to analyze the regression of school participation rates, workforce, and open unemployment in South Kalimantan. The research method used is quantitative with secondary data for the period 2017-2022. The data is processed using Eviews 12 to conduct classical assumption tests and multiple regression tests. The research findings show that the school participation rate and workforce do not have a significant effect on open unemployment in South Kalimantan Province from the period 2017-2022, either partially or simultaneously. This finding contributes to deepening insight into the factors that influence unemployment cannot always be linked to school participation rates and the workforce.
A Comparative Analysis of QRIS and Debit Card Usage in Generation Z’s Cashless Transactions in Banjarmasin Noor Lisa; Erissa Nilasari; Ilham Akbar; Faqih El Wafa; Jumiatul Akbari
Syarikat: Jurnal Rumpun Ekonomi Syariah Vol. 9 No. 1 (2026): Syarikat : Jurnal Rumpun Ekonomi Syariah
Publisher : Program Studi Ekonomi Syariah, Fakultas Agama Islam Universitas Islam Riau

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.25299/syarikat.2026.vol9(1).28235

Abstract

The rapid digital transformation has fundamentally shifted consumer behavior toward cashless payment systems. While digital payment adoption among digital natives is widely acknowledged, limited research directly compares agile mobile platforms with conventional banking instruments. Consequently, this study aims to empirically compare the usage of the Quick Response Code Indonesian Standard (QRIS) and debit cards in Generation Z’s daily cashless transactions within Banjarmasin City. Employing a quantitative comparative approach, primary data were collected through structured online questionnaires from a purposive sample of 100 Generation Z respondents. The gathered data were then statistically analyzed utilizing the non-parametric Mann-Whitney test. The analysis reveals a significant disparity in usage preferences, demonstrating that QRIS decisively outperforms debit cards. Generation Z strongly favors QRIS for its mobility, cost-effectiveness, and superior transaction speed. Conversely, debit card usage is increasingly constrained by its reliance on physical infrastructure, such as EDC machines. The study concludes that mobile-based digital payments are rapidly displacing traditional card instruments. However, this study is limited because it evaluates only two specific payment methods within a single demographic in a single regional city, suggesting the need for broader future research.
ANALISIS PENYALURAN DANA ZAKAT PRODUKTIF, PENYALURAN DANA ZAKAT KONSUMTIF DAN INDEKS PEMBANGUNAN MANUSIA TERHADAP KEMISKINAN DI PROVINSI KALIMANTAN SELATAN Dina Amelia Amelia; Nispan Rahmi; Erissa Nilasari
JURNAL EKONOMI DAN BISNIS (EKOBIS-DA) Vol. 7 No. 01 (2026): Jurnal Ekonomi dan Bisnis (EKOBIS-DA)
Publisher : Fakultas Ekonomi dan Bisnis IAI Darussalam Martapura

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.58791/febi.v7i01.732

Abstract

Kondisi  kemiskinan di Provinsi Kalimantan Selatan menunjukkan pola fluktuatif meskipun  berbagai program  penanggulangan kemiskinan telah dijalankan. Penyaluran  dana zakat produktif, penyaluran dana zakat konsumtif  serta perkembangan Indeks Pembangunan Manusia (IPM) diduga menjadi instrumen yang dapat mengurangi tingkat kemiskinan. Penelitian ini bertujuan  untuk menganalisis pengaruh penyaluran dana zakat produktif, penyaluran dana zakat konsumtif dan Indeks Pembangunan Manusia (IPM) berpengaruh  terhadap tingkat kemiskinan di Provinsi Kalimantan Selatan selama periode 2017-2024.  Penelitian ini  menggunakan pendekatan kuantitatif dengan menggunakan data sekunder time series tahun 2017-2024 yang diperoleh dari  Badan Pusat Statistik dan  Badan Amil Zakat Nasional  Provinsi Kalimantan Selatan. Analisis data dilakukan dengan pendekatan regresi linier berganda dengan menggunakan software Eviews12. Hasil penelitian menunjukkan bahwa secara simultan  penyaluran dana zakat produktif, penyaluran dana konsumtif dan perkembangan Indeks Pembangunan Masyarakat (IPM) memberikan pengaruh  signifikan terhadap tingkat kemiskinan di Provinsi Kalimantan Selatan. Selaras dengan pengujian secara simultan, pengujian secara parsial juga menunjukkan  bahwa variabel penyaluran dana zakat produktif, penyaluran dana zakat konsumtif dan Indeks  Pembangunan Manusia memberikan pengaruh yang signifikan terhadap tingkat kemiskinan di Provinsi Kalimantan Selatan selama periode tahun 2017-2024
Penggunaan Media Sosial Tik Tok, Dompet Digital, Dan Literasi Keuangan Syariah Terhadap Perilaku Konsumtif Berbelanja Online Pada Generasi Z Di Kota Banjarmasin Aulia Rahmi; Erissa Nilasari; Abdul Gafur
Al-Ujrah | Jurnal Ekonomi Syariah Vol. 2 No. 01 (2024): Al - Ujrah | Jurnal Ekonomi Syariah
Publisher : Program Studi Ekonomi Syariah IAI Darul Ulum Kandangan

Show Abstract | Download Original | Original Source | Check in Google Scholar

Abstract

TikTok social media is thought to influence the consumer behavior of Generation Z, who are quick to apply technology on a daily basis. The existence of restrictions and prohibitions on the use of TikTokShop shows that TikTok, especially TikTokShop, can influence consumer behavior patterns. The high use of the internet makes it easier to use digital wallets with flexibility. It is hoped that sharia financial literacy can reduce the consumptive behavior of Gen Z. This research aims to determine the simultaneous and partial influence of independent variables on the dependent variable. This type of research is field research. This research uses a quantitative approach. And the sampling technique uses incidental sampling and calculates the sample using the Lemeshow formula because the population size cannot be known with certainty. The data collection technique was carried out using a questionnaire. Data analysis techniques consist of research instrument tests which include validity and reliability tests, classical assumption tests which include normality, multicollinearity and heteroscedasticity tests, multiple linear regression analysis, coefficient of determination, and hypothesis tests which include the F test and T test. Simultaneously, it shows that the influence of the independent variable on the dependent variable is 31.3% and 68.7% is influenced by variables outside the research. The results of the T test (partial) show that the social media variables TikTok and sharia financial literacy have a positive effect as evidenced by the significance values, namely 0.00 and 0.02 < 0.05, which means that Ho is rejected and Ha is accepted. And for the digital wallet variable with a significant value of 0.12 > 0.05, which means there is no positive influence on consumer behavior (Y), then Ho is accepted and Ha is rejected.
Co-Authors Abdul Gafur Abdul Haris Aisyah, Lisda Aulia Rahmi Difi Dahliana Dina Amelia Amelia El Wafa, Faqih Ilham Akbar Jahra, Pati Matu Jumiatul Akbari Moh Iqbal Assyauqi Muhammad Akbar Ramadhani Nanda, Azra Salsabila Nispan Rahmi Noor Lisa NOORWAHIDAH NOORWAHIDAH ROHANA FARIDAH Syarqawie, Fitriana Yulia Hafizah Zulhikmah, Nurlina