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All Journal I-Finance Journal Perisai : Islamic Banking and Finance Journal Al Huquq : Journal of Indonesian Islamic Economic Law Inobis: Jurnal Inovasi Bisnis dan Manajemen Indonesia
Elfira Maya Adiba
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Religion Humanities Decision Sciences, Operations Research & Management Economics, Econometrics & Finance Law, Crime, Criminology & Criminal Justice Social Sciences

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Perilaku Pengelolaan Keuangan Dan Impulsive Buying Wanita Muslim Surabaya Dewi Ayu Wulandari; Elfira Maya Adiba
INOBIS: Jurnal Inovasi Bisnis dan Manajemen Indonesia Vol. 1 No. 3 (2018): INOBIS: Jurnal Inovasi Bisnis dan Manajemen Indonesia - Edisi Juni 2018
Publisher : Forum Inovasi Bisnis dan Manajemen

Show Abstract | Download Original | Original Source | Check in Google Scholar | Full PDF (482.35 KB) | DOI: 10.31842/jurnal-inobis.v1i3.39

Abstract

Kemajuan teknologi secara langsung berdampak pada kemajuan diberbagai bidang. Salah satunya bidang perdagangan, yang menyebabkan banyak tumbuh pusat-pusat perbelanjaan khususnya di Surabaya. Bagi sebagian orang terutama wanita, berbelanja tidak hanya untuk memenuhi kebutuhan, berbelanja juga dapat menjadi hal yang menyenangkan sehingga membuat kecenderungan untuk melakukan kegiatan hedonic yang akhirnya mengarahkan pada perilaku impulsive buying. Penelitian ini bertujuan untuk menganalisis perilaku keuangan, yaitu Financial Attitude, Financial Practice dan Financial Knowledge dan dampaknya terhadap perilaku Impulsive Buying para wanita muslim di surabaya. Data diperoleh dari 102 responden dengan menggunakan kuesioner dengan teknik convenience sampling dan snowball sampling. Setelah diuji menggunakan multiple regression analysis, hasil dari penelitian ini menunjukkan bahwa Financial Attitude (FA) dan Financial Practice (FP) berpengaruh signifikan terhadap Impulsive Buying. 
Pengaruh Halal Knowledge, Islamic Religiosity, dan Attitude terhadap Behavior Konsumen Muslim Generasi Y Pengguna Kosmetik Halal di Surabaya Elfira Maya Adiba; Dewi Ayu Wulandari
INOBIS: Jurnal Inovasi Bisnis dan Manajemen Indonesia Vol. 1 No. 3 (2018): INOBIS: Jurnal Inovasi Bisnis dan Manajemen Indonesia - Edisi Juni 2018
Publisher : Forum Inovasi Bisnis dan Manajemen

Show Abstract | Download Original | Original Source | Check in Google Scholar | Full PDF (561.232 KB) | DOI: 10.31842/jurnal-inobis.v1i3.42

Abstract

Pasar halal menjadi sektor pertumbuhan ekonomi baru dalam dunia global. Pasar halal tidak hanya pada industri keuangan dan makanan, tetapi juga pada industri kosmetik. Penelitian ini bertujuan untuk mengetahui pengaruh variabel halal knowledge, Islamic religiosity, dan attitude terhadap perilaku pembelian aktual atau behavior konsumen generasi Y pada pembelian kosmetik halal. Penelitian tentang perilaku konsumen muslim generasi Y dalam pembelian kosmetik halal di Indonesia masih terbatas, sehingga hal ini menarik dilakukan penelitian mengingat generasi Y adalah generasi yang unik dan berbeda dengan generasi sebelumnya. Teknik analisis data pada penelitian ini adalah multiple regression analysis. Hasil dari penelitian ini yaitu halal knowledge, Islamic religiosity, dan attitude secara parsial berpengaruh positif dan signifikan terhadap behavior konsumen muslim genrasi Y pengguna kosmetik halal di Surabaya. Variabel halal knowledge dan Islamic religiosity secara parsial tidak berpengaruh terhadap behavior konsumen, sedangkan attitude secara parsial berpengaruh positif dan signifikan terhadap behavior konsumen muslim generasi Y pengguna kosmetik halal di Surabaya. 
The Role of People's Business Credit (Kur Syariah) on he Turnover of Micro, Small and Medium Enterprises (MSMEs) Customers of PT Pegadaian Syariah in Sampang Regency Erikawati, Erikawati; Elfira Maya Adiba
Perisai : Islamic Banking and Finance Journal Vol 8 No 1 (2024): April
Publisher : Universitas Muhammadiyah Sidoarjo

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.21070/perisai.v8i1.1707

Abstract

KUR sharia is one of the products offered by Pegadaian Syariah to help micro, small and medium enterprises (MSMEs) develop their businesses using sharia principles. The aim of the research is to analyze the differences in MSME turnover in Sampang Regency before and after receiving sharia KUR financing. This research was carried out from December 2023 to January 2024. The number of samples used was 59 respondents. This research uses comparative quantitative research methods. The data collection and analysis method is through primary data in the form of distributing questionnaires. The data analysis technique used in this research is purposive sampling. The research results show that KUR Syariah financing has a significant influence on the turnover of Micro, Small and Medium Enterprises (MSMEs) in Kab. Lacquer. This is reinforced by the results of data analysis using the paired sample t-test and simple linear regression test, namely the significant value is 0.000 < 0.05 so it can be concluded that after obtaining KUR Syariah financing there has been a significant increase.
ANALYSIS BSI KC JOMBANG CUSTOMER INTEREST IN USING BSI MOBILE THROUGH THE FRAMEWORK TAM Nur Holifah, Febylia; Elfira Maya Adiba
I-Finance Journal Vol 10 No 1 (2024): I-FINANCE: a Research Journal on Islamic Finance
Publisher : Fakultas Ekonomi dan Bisnis Islam Universitas Islam Negeri Raden Fatah Palembang, Indonesia

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.19109/80ddhw33

Abstract

The purpose of this study was to analyze the effect of perceived ease of use, perceived usefulness, and user attitudes on customer interest in using BSI Mobile. The population of this study consisted of 968 BSI Mobile user customers registered at BSI KC Jombang in 2023, and the sample used was 284 customers selected using purposive sampling method with the criteria that respondents were at least 17 years old and had become BSI Mobile users. The research method used is quantitative with analysis techniques using the Structural Equation Model (SEM)-Partial Least Square (PLS). Data is collected through a google form questionnaire containing questions related to variables. The results of this study indicate that perceived convenience has a significant effect on perceived benefits, perceived convenience has a significant effect on user attitudes, perceived benefits have a significant effect on user attitudes, and user attitudes have a significant effect on customer interest in using BSI Mobile. The conclusion that efforts to improve perceived ease, perceived benefits, and user attitudes towards the BSI Mobile application will have a positive impact on customer interest in adopting and using BSI Mobile on an ongoing basis.
Modelling a Strategy for Accelerating Halal Certification for MSMEs from The Perspective of Maslahah Mursalah Dalilatud Diniyah; Fajar; Faizal Amir; Elfira Maya Adiba; Achmad Badarus Syamsi
Al-Huquq: Journal of Indonesian Islamic Economic Law Vol. 7 No. 1 (2025): on Progress
Publisher : Fakultas Syariah IAIN madura

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.19105/alhuquq.v7i1.20881

Abstract

This study aims to determine the strategy for accelerating halal certification for Micro, Small, and Medium Enterprises (MSMEs) in Bangkalan Regency using the Analytical Hierarchy Process (AHP) method, as well as to examine the strategy from the perspective of maslahah mursalah in order to provide maximum benefits for MSME actors and the wider community. This type of research is qualitative using the AHP (Analytical Hierarchy Process) approach with the research subjects of the Ministry of Religion, MUI, Halal Center UTM, Cooperative Office. The data used are primary data and secondary data with data collection techniques using interviews and questionnaires. Based on AHP analysis, the criteria that are very influential in the process of accelerating halal certification strategies in Bangkalan are the role of halal certification bodies, which obtained the highest weight of 0.514, compared to market demand with a weight of 0.280, awareness of business actors with a weight of 0.138, and the role of government with a weight of 0.068. From the perspective of maslahah mursalah, these strategies not only aim to fulfill the immediate needs of MSMEs and consumers for halal assurance but also serve the broader public interest by promoting social welfare, economic justice, and community trust. By prioritizing the role of halal certification bodies and enhancing awareness through socialization programs, the approach ensures that the certification process is efficient, transparent, and inclusive. This aligns with the principle of maslahah mursalah, which advocates for solutions that bring maximum benefit and prevent harm to society.
Co-Authors Dalilatud Diniyah Dewi Ayu Wulandari Erikawati, Erikawati Faizal Amir Fajar Nur Holifah, Febylia Syamsi, Achmad Badarus