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All Journal Inovator : Jurnal Manajemen EDUKATIF : JURNAL ILMU PENDIDIKAN JURNAL ECONOMINA Al-Infaq : Jurnal Ekonomi Islam
Tika Kartika
Universitas Ibn Khaldun Bogor
Economics, Econometrics & Finance Education Mathematics Social Sciences

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Tradition and Social Value of Drinking Coffee Bahagia Bahagia; Rimun Wibowo; Muhammad Rifay; Siti Pauziah; Tika Kartika
EDUKATIF : JURNAL ILMU PENDIDIKAN Vol 3, No 6 (2021): December Pages 3500-5500
Publisher : Universitas Pahlawan Tuanku Tambusai

Show Abstract | Download Original | Original Source | Check in Google Scholar | Full PDF (490.587 KB) | DOI: 10.31004/edukatif.v3i6.988

Abstract

Drinking coffee is a tradition and social value. This study aims to find the cultural values and traditions of drinking coffee in Acehnese society, precisely in Takengon. Another goal is to find out the social, economic values and changes in coffee drinking. The research method used is a qualitative research method. The research sample was taken using a purposive method. The results of the study indicate that there are socio-cultural changes in Indonesia, one of which is the tradition of drinking coffee, precisely in Central Aceh district, Takengon. If in the past, most people drank coffee in ordinary coffee shops at affordable prices, now coffee shops are designed more modern with attractively packaged marketing so that many customers are interested. Another finding is that there are social values such as the value of friendship, the value of brotherhood and social relations with fellow friends when drinking coffee. There are even values of conversation about social life in coffee shops. Another finding is that there are livelihood values because coffee shops will generate livelihoods for coffee shop owners and coffee producers. Finally, there are ethical values that must be used especially to produce quality coffee
Social Media as a Source of Product Information among Generation Z: An Analysis of Usage Patterns, Platform Preferences, and Trust Factors Muhammad Faishal Hidayat; Tika Kartika; Rifqi Abdul Barri; Muhamad Alvin Trisaputra; Masagus Rasyid Hafis
JURNAL ECONOMINA Vol. 5 No. 6 (2026): JURNAL ECONOMINA, Juni 2026
Publisher : LPPM Sekolah Tinggi Ilmu Ekonomi 45 Mataram

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.55681/economina.v5i6.2509

Abstract

Social media has evolved into a primary source of product information for Generation, but studies comprehensively examining the relationship between social media platform usage patterns and trust factors remain limited. This study aims to analyze the relationship between the most frequently used platforms, product reference platforms, and daily usage duration with Generation Z’s trust in product information, as well as its association with perceptions of content attractiveness and information quality. The research uses a descriptive quantitative approach with purposive sampling of 100 Generation Z respondents in Bogor City. Data were collected through a social media usage pattern questionnaire and Likert scale statements (1–5) measuring information quality, content attractiveness, and trust. The data were then analyzed using cross-tabulation with Chi-Square and Cramer's V tests. The results indicate that TikTok and Instagram dominate both daily usage and product reference platforms. Among the five cross-tabulations conducted, only the relationship between the most frequently used platform and content attractiveness was found to be significant (χ² = 21.409; p = 0.018; Cramer's V = 0.327), with TikTok and Instagram recording 74.5% and 74.4% of respondents, respectively, in the high-attractiveness category. The relationship between platform usage and trust as well as information quality was not found to be significant, suggesting that Generation Z’s trust is influenced more by intrinsic content factors than by platform choice. These findings provide strategic implications for businesses in designing effective digital marketing content targeting the Generation Z segment.
Analysis of Financial Management in Micro, Small and Medium-sized Enterprises from an Islamic Economic Perspective Yusuf Rangga Al Fatih; Tika Kartika; Sofian Muhlisin
INOVATOR Vol 15 No 1 (2026): MARET
Publisher : prodima@fe.uika-bogor.ac.id

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.32832/inovator.v15i1.24099

Abstract

This research study takes a close look at how the Setia Cikarawang Farmers' Group, an SME in Dramaga, Bogor, manages its money and aligns it with Islamic business ethics. Through conversations and direct observations, we found that their financial habits remain highly traditional. Because time is tight and the chairman focuses heavily on farming operations, budgeting and cash flow tracking exist only as rough mental estimates. Their capital structure is unbalanced, with the government aid coming only as physical equipment. To keep daily operations afloat, they adapt flexibly by taking advance payments from customers and working out flexible payment extensions with farmers for raw materials. Even though their financial management is informal, this small group deeply lives out Islamic ethics principles like shiddiq, Asy Syafafiyyah, and Al-’Adl. This is clearly shown by their consistent product quality following SOPs and having received official certifications from P-IRT, BPOM, and Halal.
MAXIMIZING PROFITABILITY: ANALYZING THE IMPACT OF OPERATIONAL EFFICIENCY AND CAPITAL STRENGTH ON BANK BJB SYARIAH'S FINANCIAL PERFORMANCE Rahmi Annasari Siregar; Suyud Arif; Tika Kartika
Al-Infaq: Jurnal Ekonomi Islam Vol. 15 No. 1 (2024)
Publisher : Fakultas Agama Islam, Universitas Ibn Khaldun Bogor

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.32832/alinfaq.v15i1.2158

Abstract

This study aims to analyse the impact of the BOPO (Operating Costs to Operational Income) and CAR (Capital Adequacy Ratio) ratios on the profitability of Islamic banks registered with the OJK for the period from 2015 to 2022. Using the Vector Auto Regression (VAR) method, the research employs purposive sampling to select relevant data. The findings reveal that, for Bank BJB Syariah, the BOPO ratio does not have a significant effect on profitability, as indicated by a probability value of 0.2047, which exceeds the 10% significance level. Similarly, the CAR ratio also shows no significant impact on profitability, with a probability value of 0.9785, again above the 10% threshold. These results suggest that, within the context of Bank BJB Syariah, both operational efficiency and capital adequacy do not directly influence profitability as measured by Return on Assets (ROA). This study contributes to the understanding of the financial dynamics of Islamic banking, highlighting the need for further investigation into other factors that may affect profitability in this sector.
DRIVING CUSTOMER SATISFACTION THROUGH PRODUCT QUALITY, SERVICE EXCELLENCE, AND EMPLOYEE PERFORMANCE: INSIGHTS FROM BSI BOGOR Parhana Parhana; Kholil Nawawi; Tika Kartika
Al-Infaq: Jurnal Ekonomi Islam Vol. 15 No. 1 (2024)
Publisher : Fakultas Agama Islam, Universitas Ibn Khaldun Bogor

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.32832/alinfaq.v15i1.2159

Abstract

This study aims to determine the effect of product quality and service quality and employee performance on customer satisfaction at Bank Syariah Indonesia (Case Study of BSI Customers in Bogor City). The subjects of this research are BSI customers. The data collection technique used was a questionnaire. By distributing questionnaires to 100 respondents. This sampling technique is non-probability sampling through purposive sampling technique. The research method used is multiple linear regression analysis using the SPSS version 29 software. Partially tested, the two independent variables namely product quality (X1) and employee performance (X3) have an effect on customer satisfaction with a significant level of product quality (X1) 0.014 <0.05, and employee performance (X3) 0.001 <0.05. While one independent variable, namely service quality (X2) has no significant effect on customer satisfaction with a significant level of servicequality (X2) 0.068> 0.05.
Maslahat Issue In Islamic Microfinancing: A Study Of Islamic Cooperative And Islamic Rural Bank Nurman Hakim; Tika Kartika; Muhammad Faisal Hidayat; Nadia Zahra
Al-Infaq: Jurnal Ekonomi Islam Vol. 15 No. 2 (2024)
Publisher : Fakultas Agama Islam, Universitas Ibn Khaldun Bogor

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.32832/alinfaq.v15i2.2276

Abstract

This paper aims to identify the priority of goals and its strategies on Islamic micro-financing especially at Islamic rural banking and Islamic cooperative. This study uses analytic network process (ANP) as data processing method. The findings are: first, maslahat of people is the most dominant goal on Islamic micro-financing both banking and non-bankingservice providers. Therefore, the most dominant alternative to achieve maslahat is to create empowering programs for needed people effectively. Second, internal strategy is the fittest strategy on Islamic micro-financing both Islamic rural bank and Islamic cooperative. And the alternative strategy to imply the internal strategy is to increase employment performance.
How Digitalization and Service Excellence Drive Sharia Bank Customer Satisfaction? Sinta Dewi Rahmawati; Retno Triwoelandari; Tika Kartika
Al-Infaq: Jurnal Ekonomi Islam Vol. 16 No. 1 (2025)
Publisher : Fakultas Agama Islam, Universitas Ibn Khaldun Bogor

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.32832/alinfaq.v16i1.2289

Abstract

In the current digital era, banking is experiencing a major transformation by using digital technology to improve efficiency and banking services. Bank digitalization includes various innovations such as mobile banking, internet banking, and the use of AI technology in providing customer service. Apart from that, service quality and product quality are also important factors that influence customer satisfaction. This research aims to analyze the influence of bank digitalization, service quality and product quality on customer satisfaction at Bank Syariah Indonesia in Bogor Regency. The method used is a quantitative method with a survey approach. Data was collected through a questionnaire with a sample of 97 respondents using a purposive sampling technique. Data analysis was carried out using multiple linear regression to test the influence of the independent variables, namely bank digitalization, service quality and product quality on the dependent variable, namely customer satisfaction. The research results show that bank digitalization has a positive and significant influence on customer satisfaction. Likewise, service quality and product quality have also been proven to have a positive and significant influence on customer satisfaction, which indicates that banks need to continue to innovate in increasing the digitalization of banking, as well as providing good service and providing quality products so as to increase customer satisfaction. Simultaneously, the three independent variables have a positive and significant influence on customer satisfaction. Another finding in this research is that customer satisfaction is influenced by 91.6% by the variables of bank digitalization, service quality and product quality.
Co-Authors Abrista Devi Bahagia Bahagia M. Kholil Nawawi Masagus Rasyid Hafis Muhamad Alvin Trisaputra Muhammad Faishal Hidayat Muhammad Rifay Nadia Zahra Nawawi, Khalil Nurman Hakim Parhana Parhana Parhana, Parhana Rachma Dwi Tresna Asih Rahmi Annasari Siregar Retno Triwoelandari Rifqi Abdul Barri Rimun Wibowo Sinta Dewi Rahmawati Siti Pauziah Sofian Muhlisin Suyud, Suyud Yusuf Rangga Al Fatih