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All Journal Jurnal Manajemen Keuangan Syariah Margin : Journal of Islamic Banking Journal of Shariah Economics ICONS
Nurlia Fusfita
UIN Sulthan Thaha Saifuddin Jambi
Religion Decision Sciences, Operations Research & Management Economics, Econometrics & Finance Education Social Sciences Other

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pengaruh kepuasan dan kepercayaan green product pertamax ron 92 terhadap keputusan pembeliandi pertashop olak kemang Hoirul Tamimi; Titin Agustin Nengsih; Nurlia Fusfita; Munsarida Munsarida
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.v3i2.1818

Abstract

The purpose of this study was to analyze the purchasing decisions at Pertashop Olak Kemang on the influence of satisfcation and trust. This research was conducted based on the current phenomenon, namely Pertamax RON 92 sales have decreased in the period November 2021 to October 2022. The subjects of this study were consumers of Pertamax RON 92. The samples in this study consisted of 100 renspondents distributed using the questionnaire survey method, then processed using multiple linear regression method. The results of this study partially the satisfaction variable and the trust variable jointly influence the purhasing decision at the Olak Kemang shop. From the results of the study simultaneously the satisfaction variable and the trust variable together have a significant effect on purchasing decisions at the Pertashop Olak Kemang.Keywords: Satisfaction, Trust, Purchasing Decisions.
PENGARUH LITERASI KEUANGAN SYARIAH, PERILAKU KEUANGAN DAN AKTIVITAS MEDIA SOSIAL TERHADAP MINAT INVESTASI GENERASI Z DI KOTA JAMBI Najla Syifa Syauqiah Azell; Nurlia Fusfita
ICONS: Islamic Economics Journal Vol. 3 No. 1 (2026): ICONS : Islam Economics Journal
Publisher : Fakultas EKonomi dan Bisnis Islam UIN Sulthan Thaha SAifuddin Jambi

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.30631/icons.v3i1.5805

Abstract

The increasing interest of young people in investment especially driven by financial technology and social media serves as the main motivation for this research. Generation Z is selected due to their productive age and strong connection with digital platforms, including access to financial and investment information. This research uses a quantitative approach with multiple linear regression analysis. The population in this study is Generation Z in Jambi City aged 20–28 years, with a sample of 140 respondents selected using purposive sampling. Data was collected through a Google Form-based questionnaire and analyzed using SPSS version 26. The results show that, partially, Islamic Financial Literacy and Financial Behavior have no significant effect on Investment Interest. Meanwhile, Social Media Activity has a positive and significant influence. Simultaneously, all three variables significantly affect Investment Interest among Generation Z in Jambi City, with a coefficient of determination (R²) of 42.9%. This indicates that the combination of these variables explains a substantial portion of the variation in respondents’ investment interest.
ANALISIS STRATEGI PEMASARAN DIGITAL PADA UMKM KULINER DITINJAU DARI PRINSIP SYARIAH DIKECAMATAN RAWAS ULU Nadia Anggeraini; Nurlia Fusfita; Eri Nofriza
ICONS: Islamic Economics Journal Vol. 3 No. 1 (2026): ICONS : Islam Economics Journal
Publisher : Fakultas EKonomi dan Bisnis Islam UIN Sulthan Thaha SAifuddin Jambi

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.30631/icons.v3i1.5813

Abstract

MSMEs (Micro, Small, and Medium Enterprises) play an important role in the development and economic growth of Indonesia. This role is not only felt in developing countries but also in developed ones. One of the marketing strategies that can be implemented to grow businesses is through digital marketing strategies. The purpose of this study is to examine how digital marketing strategies are applied by MSMEs from the perspective of sharia principles. This research is a descriptive qualitative study, using observation and interview techniques, with 10 informants interviewed. The results show that the digital marketing strategies used by MSME actors in Rawas Ulu District involve the use of social media platforms such as Facebook, Instagram, and WhatsApp. Other digital marketing strategies such as SEO, content marketing, marketing automation, PPC, advertising, and affiliate marketing have not been optimally utilized. MSME actors face limitations in knowledge, access, and capital, as these types of marketing often require paid services. By using social media marketing, MSMEs feel helped in promoting their businesses without incurring significant costs. The implementation of digital marketing strategies clearly facilitates consumer access and provides significant benefits for MSME entrepreneurs.
ANALISIS PERSEPSI PETANI KARET TERHADAP PEMBIAYAAN DI PERBANKAN SYARIAH (Studi Kasus Masyarakat Kecamatan Bangko Barat Kabupaten Merangin) Andini Putri; Ahsan Putra Hafiz; Nurlia Fusfita
MARGIN: Journal of Islamic Banking Vol 4 No 1 (2024): MARGIN JOURNAL OF ISLAMIC BANKING
Publisher : UIN Sulthan Thaha Saifuddin Jambi

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.30631/margin.v4i1.2340

Abstract

Bank syariah dalam mendorong  perekonomian di Indonesia dapat dilakukan dalam berbagai bidang usaha perekonomian salah satunya dalam sektor pertanian. Keterbatasan modal dan sulitnya akses untuk mendapatkan fasilitas pembiayaan menjadi salah satu permasalahan utama yang di hadapi sebagian besar petani di Indonesia.Tujuan penelitian ini adalah (1) untuk mengetahui bagaimana padangan petani karet terhadap pembiayaan di perbankan syariah. (2) untuk mengetahui kendala yang dihadapi petani karet dalam melakukan pembiayaan diperbankan syariah. Penelitian ini termasuk penelitian kualitatif dengan metode pengumpulan data melalui observasi, wawancara dan dokumentasi.Data yang diambilkan pun berupa data primer dan data sekunder.Pemilihan  informan sebagai sumber data dalam penelitian atas subjek yang menguasai masalah, memiliki data dan bersedia memberi informasi. Informan pada penelitan ini adalah pimpinan di Bank Syariah Indonesia, bapak camat kecematan bangko barat dan beberapa masyarakat petani karet di kecamatan bangko barat. Hasil penelitian menjelaskan bahwa: (1) padangan masyarakat petani karet terhadap pembiayaan di perbankan syariah,  masyarakat petani karet dikecematan bangko barat sudah mengetahui pembiayaan di perbankan syariah tetapi belum mengetahui betul pembiayaan di keuangan syariah sehingga masyarakat lebih memilih bank konvesional di bandingkan bank syariah.(2)kendala yang di hadapi petani karet dalam melakukan pembiayaan diperbankan syariah pertama karena faktor lingkungan, kedua faktor proses administrasi, ketiga faktor jaminan(anggunan). Untuk masyarakat petani karet diharapkan dapat menggunakan pembiayaan yang didapat sebaik mungkin sebagai salah satu solusi untuk mengatasi masalah kekurangan modal dalam pengembangan disektor pertanian indonesia.
PENGARUH LAYANAN TERHADAP KEPUASAN NASABAH DALAM PENGGUNAAN LAYANAN BSI MOBILE STUDI MAHASISWA FEBI UIN STS JAMBI Diki Septiawan; Nurlia Fusfita; Firman Syah Noor
MARGIN: Journal of Islamic Banking Vol 6 No 1 (2026): MARGIN JOURNAL OF ISLAMIC BANKING
Publisher : UIN Sulthan Thaha Saifuddin Jambi

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.30631/margin.v6i1.3437

Abstract

Penelitian ini dilatarbelakangi oleh masih ditemukannya kendala dalam penggunaan BSI Mobile yang memengaruhi tingkat kepuasan nasabah. Meskipun BSI Mobile terus melakukan inovasi digital, masih ditemukan keluhan terkait kecepatan layanan, kemudahan penggunaan, serta gangguan sistem yang mengganggu pengalaman bertransaksi. Tujuan penelitian ini adalah untuk mengetahui dan mendeskripsikan persepsi mahasiswa terhadap kualitas layanan dan kepuasan nasabah dan menganalisis pengaruh layanan terhadap kepuasan nasabah dalam penggunaan BSI Mobile. Metode penelitian yang digunakan adalah deskriptif kuantitatif dengan alat analisis yaitu analisis regresi linier sederhana. Populasi dalam penelitian ini yaitu 2.654 mahasiswa, penentuan sampel menggunakan slovin, maka sampel dalam penelitian ini adalah sebanyak 97 responden dan penelitian ini dilakukan pada Mahasiswa Fakultas Ekonomi dan Bisnis Islam Universitas Islam Negeri Sulthan Thaha Saifuddin Jambi. Hasil penelitian menunjukkan bahwa persepsi mahasiswa mengenai kualitas layanan dan kepuasan nasabah dalam penggunaan BSI Mobile menunjukkan hasil yang cukup baik dengan skor rata-rata CSI sebesar 57,91, yang menandakan layanan telah memenuhi kebutuhan dasar, namun masih perlu ditingkatkan agar mampu memberikan pengalaman yang lebih memuaskan dan berkelanjutan. Layanan berpengaruh positif dan signifikan terhadap kepuasan nasabah dalam penggunaan layanan BSI Mobile hal ini didasarkan pada hasil uji t (parsial) thitung > ttabel yaitu 7.118 > 1,66105. Selain itu, nilai signifikansi yang diperoleh adalah 0,000 < 0,05, yang berarti secara statistik pengaruh antara variabel layanan terhadap kepuasan nasabah signifikan.  
PENGARUH GAYA HIDUP DAN PERILAKU KEUANGAN SYARIAH TERHADAP KEPUTUSAN MENABUNG DI BANK SYARIAH INDONESIA (Studi Kasus Masyarakat Rimbo Bujang) Nadya Eka Putri; Nurlia Fusfita
MARGIN: Journal of Islamic Banking Vol 5 No 2 (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/margin.v5i2.3558

Abstract

Tujuan dari penelitian ini adalah untuk membuktikan apakah terdapat pengaruh dari gaya hidup dan perilaku keuangan syariah terhadap keputusan menabung di bank syariah Indonesia. Jenis penelitian ini adalah deskriptif kuantitatif. Sampel dalam penelitian ini berjumlah 100 dengan teknik penarikan sampel adalah random sampling. Teknik analisis data dalam penelitian ini menggunakan SEMPLS. Hasil penelitian menunjukkan bahwa 1) variabel gaya hidup memiliki pengaruh positif dan signifikan terhadap keputusan menabung di bank syariah Indonesia pada masyarakat di Rimbo Bujang. 2) variabel perilaku keuangan syariah memiliki pengaruh terhadap keputusan menabung di bank syariah Indonesia pada masyarakat di Rimbo Bujang. 3) Dari hasil nilai R-square bahwasanya variabel bebas berpengaruh sebesar 64,5%.    
Analisis Penerapan Prinsip Etika Bisnis Islam Dalam Pengelolaan Produksi dan Penjualan UMKM Oleh-Oleh Khas Tembilahan Sindy Malisa Sari; Nurlia Fusfita; Ogi Saputra
JOURNAL OF SHARIA ECONOMICS Vol 7 No 1 (2025): Jounal of Sharia Economics
Publisher : Program Studi Ekonomi Syariah, Fakultas Ekonomi dan Bisnis Islam, Universitas Al Hikmah Indonesia

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.35896/jse.v7i1.1361

Abstract

Micro, Small, and Medium Enterprises (MSMEs) play a strategic role in promoting national economic growth by creating employment opportunities, increasing community income, and strengthening regional economies. However, MSMEs continue to face various challenges, including limited capital, inadequate human resources, low digital literacy, and the suboptimal implementation of Islamic business ethics. This study aims to analyze the implementation of Islamic business ethics principles in the management of production and sales within MSMEs based on the available research document. The study employs a qualitative approach with a case study design through an analysis of the concepts of Islamic business ethics, stakeholder theory, maslahah theory, and the management of production and sales as presented in the source document. The findings indicate that the principles of tawhid (unity), honesty, justice, responsibility, and maslahah serve as essential foundations for conducting business activities in accordance with Islamic law. The implementation of these principles enhances consumer trust, strengthens relationships with stakeholders, and supports business sustainability. Nevertheless, their implementation is constrained by several factors, including limited understanding of Islamic ethical principles among business actors, insufficient capital, low digital literacy, and inadequate guidance and institutional support. Therefore, stronger collaboration among MSME owners, government agencies, educational institutions, and Islamic organizations is necessary to reinforce the implementation of Islamic business ethics through training programs, business mentoring, and supportive policies. Such collaborative efforts are expected to improve the competitiveness and sustainability of MSMEs while contributing to broader social welfare in accordance with the objectives of the Islamic economic system.
Co-Authors A.Tarmizi Abdul Rahman Sidik Ahsan Putra Hafiz Andini Putri Diki Septiawan Eri Nofriza Firman Syah Noor Hoirul Tamimi Munsarida Munsarida Nadia Anggeraini Nadya Eka Putri Najla Syifa Syauqiah Azell Ogi Saputra Sindy Malisa Sari Titin Agustin Nengsih