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All Journal Jurnal Minds: Manajemen Ide dan Inspirasi Al-Kharaj: Journal of Islamic Economic and Business Jurnal Ilmiah Akuntansi Peradaban Iqtishaduna : Jurnal Ilmiah Mahasiswa Hukum Ekonomi Syariah International Journal of Economics and Management Research Neraca: Jurnal Ekonomi, Manajemen dan Akuntansi Journal of Management and Innovation Entrepreneurship (JMIE) International Journal of Community Engagement and Development GoodWill Journal of Economics, Management, and Accounting Jurnal Ekonomi, Manajemen, Akuntansi Ulil Albab International Journal of Economics and Management Research
Rika Dwi Ayu Parmitasari
Unknown Affiliation
Religion Humanities Computer Science & IT Decision Sciences, Operations Research & Management Economics, Econometrics & Finance Education Environmental Science Health Professions Law, Crime, Criminology & Criminal Justice Library & Information Science Social Sciences Other

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Implications of the Use of Fintech Payment on Consumptive Behavior Sapsuha, Mubasysyyratul Ummah; Rika Dwi Ayu Parmitasari; Idris Parakkasi
ULIL ALBAB : Jurnal Ilmiah Multidisiplin Vol. 4 No. 3: Februari 2025
Publisher : CV. Ulil Albab Corp

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.56799/jim.v4i3.7673

Abstract

The development of digital technology, especially fintech payments, has significantly changed people's consumption behavior, especially among millennials and Gen-Z. This phenomenon is characterized by the increasing use of digital payment platforms such as e-wallets and mobile banking, which provide ease and convenience in transactions. The rapid growth of fintech payments can potentially affect the consumption patterns and financial management of the younger generation, so it is important to study it more deeply. This study aims to analyze the implications of the use of fintech payments on the consumptive behavior of the millennial and Gen-Z generations. The research method uses a qualitative approach with data collection techniques through the dissemination of questionnaires with the help of social media. The main findings revealed ease of use, usefulness, and external factors (social environment, technological innovation, and digital capabilities). Fintech payments have a dual impact on the consumptive behavior of millennials and Gen-Z. While this technology offers unprecedented convenience and efficiency, fintech payments also have the potential to encourage consumptive behavior. In the future, it is necessary to increase financial literacy and understanding of Islamic consumption principles, so that consumptive behavior can be overcome and controlled at reasonable and safe limits.
Islamic Social Enterprise at MSMEs in Makassar City: The Relationship Between Islamic Financial Literacy and Social Networks with Product Innovation as Moderating Variables Helda Rostiani; Amiruddin K; Rika Dwi Ayu Parmitasari
Al-Kharaj: Journal of Islamic Economic and Business Vol. 7 No. 4 (2025): All articles in this issue include authors from 3 countries of origin (Indonesi
Publisher : LP2M IAIN Palopo

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.24256/kharaj.v7i4.8118

Abstract

This study aims to analyze the influence of Islamic financial literacy and social networks on Islamic social enterprises in MSEs in Makassar City, with product innovation as a moderating variable. The research questions address the extent to which Islamic financial literacy and social networks contribute to improving Islamic social enterprise practices, and whether product innovation can strengthen this relationship. The research method used was a quantitative approach with Structural Equation Modeling (SEM-PLS) analysis techniques. Data were collected through questionnaires distributed to 131 respondents, Sharia MSEs, in Makassar City. Validity and reliability tests, as well as hypothesis testing, were conducted to obtain comprehensive results. The results of the study indicate that Islamic Financial Literacy has a positive and significant effect on Islamic Social Enterprise, while Social Networks have no significant effect. Product Innovation is proven to have a significant direct effect on Islamic Social Enterprise, but does not moderate the relationship between Islamic Financial Literacy and Social Networks on Islamic Social Enterprise. This confirms that Islamic financial literacy is a key factor in strengthening Islamic Social Enterprise, while social networks will only provide benefits if they are built on sharia principles. The implication of this research is the need to improve Islamic financial literacy as the primary foundation for MSEs in building sustainable Islamic Social Enterprises. Social networks need to be strengthened with spiritual values and Islamic collaborative principles to better support social missions. Meanwhile, product innovation should be directed toward Sharia-based social innovations to better align with the goals of Islamic Social Enterprises.
Pengaruh Intellectual Capital, Social Responsibility Dan Islamic Social Reporting Terhadap Kinerja Keuangan Bank Umum Syariah Di Indonesia Yuni Safitri; Rika Dwi Ayu Parmitasari; Fauziah Bakhtiar
EKOMA : Jurnal Ekonomi, Manajemen, Akuntansi Vol. 5 No. 1: November 2025
Publisher : CV. Ulil Albab Corp

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.56799/ekoma.v5i1.12044

Abstract

Penelitian ini bertujuan untuk menguji serta menganalisis pengaruh Intellectual Capital, Social Responsibility, dan Islamic Social Reporting terhadap kinerja keuangan pada Bank Umum Syariah di Indonesia. Dalam era persaingan industri perbankan yang semakin kompetitif, ketiga variabel tersebut diyakini memiliki peran penting dalam menciptakan nilai tambah dan memperkuat daya saing, khususnya pada lembaga keuangan yang berlandaskan prinsip syariah. Intellectual Capital, sebagai representasi aset tak berwujud seperti pengetahuan, keterampilan, dan inovasi, diyakini mampu meningkatkan efisiensi serta efektivitas perusahaan. Social Responsibility atau tanggung jawab sosial perusahaan, menjadi aspek penting dalam membangun kepercayaan publik dan citra positif. Sementara itu, Islamic Social Reporting merupakan bentuk transparansi dalam menyajikan laporan yang sesuai prinsip Islam. Penelitian ini menggunakan pendekatan kuantitatif dengan metode analisis regresi berganda. Data penelitian bersumber dari laporan tahunan dan laporan keberlanjutan Bank Umum Syariah yang terdaftar di Otoritas Jasa Keuangan selama periode 2019–2023. Sampel ditentukan dengan metode purposive sampling, sedangkan pengolahan data dilakukan menggunakan SPSS. Hasil penelitian menunjukkan bahwa Intellectual Capital berpengaruh positif signifikan terhadap kinerja keuangan, Social Responsibility juga berpengaruh positif, sedangkan Islamic Social Reporting justru berpengaruh negatif, kemungkinan karena kualitas pengungkapan yang belum optimal serta tingginya biaya implementasi yang belum berdampak langsung pada profitabilitas.
Pengaruh Family Controlled dan Profitability Terhadap Kebijakan Dividen pada Perusahaan Keluarga yang Terdaftar di Jakarta Islamic Index 70 Tesa Ramadani; Rika Dwi Ayu Parmitasari; Rusnawati, Rusnawati
EKOMA : Jurnal Ekonomi, Manajemen, Akuntansi Vol. 5 No. 1: November 2025
Publisher : CV. Ulil Albab Corp

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.56799/ekoma.v5i1.12123

Abstract

Bursa Efek Indonesia (BEI) Bursa Efek Indonesia (BEI) didominasi perusahaan keluarga yang berperan penting dalam pengambilan keputusan keuangan, termasuk kebijakan dividen. Di antara indeks saham berbasis syariah, JII 70 menjadi indikator kinerja perusahaan yang menjalankan usaha sesuai prinsip Islam. Dalam beberapa tahun terakhir terjadi ketidakstabilan kebijakan dividen pada sejumlah perusahaan di JII 70, meski beberapa menunjukkan profitabilitas tinggi. Kondisi ini mengindikasikan adanya faktor struktural dalam kepemilikan dan pengelolaan perusahaan yang memengaruhi distribusi laba kepada pemegang saham. Penelitian ini bertujuan menganalisis pengaruh family controlled dan profitability terhadap kebijakan dividen pada perusahaan keluarga yang terdaftar di JII 70 periode 2019–2023. Jenis penelitian ini menggunakan pendekatan kuantitatif dengan metode regresi linier berganda untuk menganalisis hubungan antara variabel independen dan dependen. Sampel dipilih melalui teknik purposive sampling terhadap perusahaan keluarga yang memenuhi kriteria selama periode observasi. Data penelitian diperoleh dari laporan keuangan tahunan yang dipublikasikan oleh masing-masing perusahaan, sedangkan teknik analisis data menggunakan Statistical Package for the Social Sciences (SPSS). Hasil penelitian menunjukkan bahwa family controlled dan profitability berpengaruh positif dan signifikan terhadap kebijakan dividen. Temuan ini menegaskan struktur kepemilikan keluarga dan kinerja keuangan sebagai faktor penting dalam penentuan kebijakan dividen pada perusahaan syariah yang tercatat di JII 70.
PENERAPAN PRINSIP DAN KEPATUHAN SYARIAH PADA PENGELOLAAN KEUANGAN SYARIAH Mardatillah; Rika Dwi Ayu Parmitasari; Muhammad Wahyuddin Abdullah
Neraca: Jurnal Ekonomi, Manajemen dan Akuntansi Vol. 2 No. 1 (2024): Neraca: Jurnal Ekonomi, Manajemen dan Akuntansi
Publisher : Neraca: Jurnal Ekonomi, Manajemen dan Akuntansi

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.572349/neraca.v2i1.593

Abstract

Diantara aspek hukum keuangan syariah adalah penerapan prinsip dan kepatuhan syariah. Artikel ini membahas tentang penerapan prinsip dan kepatuhan syariah dalam keuangan syariah. Tujuan penulisan ini dimaksudkan agar dapat memberikan khasanah pengetahuan tentang prinsip dan kepatuhan syariah dalam keuangan Islam berikut urgensinya. Penelitian ini menggunakan metode pustaka atau studi dokumen dengan melakukan penelusuusran dokumen berupa jurnal-jurnal ilmiah dan lainnya yang berkaitan dengan pembahasan ini. Hasil penelitian ini menunjukkan bahwa penerapan prinsip syariah merupakan upaya menghadirkan sistem keuangan yang sejalan dengan maqasid syariah dimana prinsip-prinsip tersebut meliputi larangan riba, laranga gharar, larangan maysir, larangan spekulasi, transparansi, keadilan dan aktivitas usaha yang sesuai prinsip syariah. Prinsip-prinsip keuangan ini bertujuan untuk menciptakan keadilan, transparansi dan pengelolaan yang bertanggung jawab dalam setiap transaksi keuangan. Untuk memastikan penerapan prinsip syariah tersebut maka disiplin kepatuhan syariah harus diperhatikan. Kepatuhan syariah merupakan manifestasi dalam penerapan prinsip syariah itu sendiri.
Interest In Visiting Muslim Tourists In The Regency Mamasa: Muslim Friendly Tourism, Tourism Promotion and Religiosity Nurwahida; Rika Dwi Ayu Parmitasari; Saiful Muchlis
Al-Kharaj: Journal of Islamic Economic and Business Vol. 7 No. 4 (2025): All articles in this issue include authors from 3 countries of origin (Indonesi
Publisher : LP2M IAIN Palopo

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.24256/kharaj.v7i4.8201

Abstract

          This study aims to analyze the influence of Muslim-Friendly Tourism and Tourism Promotion on Muslim tourists' interest in visiting Mamasa Regency, and to examine the role of religiosity as a moderating variable. The research method uses a quantitative approach with an associative research type. Data were obtained through distributing questionnaires to Muslim tourists and analyzed using Structural Equation Modeling (SEM) based on Partial Least Square (PLS). The results show that Muslim-Friendly Tourism and Tourism Promotion have a positive and significant effect on Muslim tourists' interest in visiting, while religiosity strengthens this relationship. The implications of this study emphasize the importance of improving halal facilities, optimizing digital tourism promotion, and integrating religious values ​​into destination development strategies so that Mamasa can develop as a Muslim-friendly tourist destination in West Sulawesi.
The Influence Of Transformational Leadership And Motivation On Work Engagement Of Civil Servants At UIN Alauddin Makassar Rika Dwi Ayu Parmitasari; Nurmiati Nurmiati
International Journal of Economics and Management Research Vol. 3 No. 2 (2024): August: International Journal of Economics and Management Research
Publisher : Pusat Riset dan Inovasi Nasional

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.55606/ijemr.v3i2.219

Abstract

This research aims to determine the influence of transformational leadership and motivation on work engagement among civil servants at UIN Alauddin Makassar. Data collection by observation and distribution of questionnaires via Google Form to 155 civil servants. This research used quantitative methods, with the data analysis tool used was Smart-PLS. The results of this research showed that (1) transformational leadership has a positive and significant effect on work motivation, (2) transformational leadership has a positive and significant effect on work engagement, (3). Motivation has a positive and significant effect on the work engagement of civil servants at UIN Alauddin Makassar. These results showed that the transformational leadership style applied by the leaders of UIN Alauddin Makassar operates efficiently and effectively through exemplary methods. This method can increase strength as a component of employee work engagement.
Co-Authors Abdullah, Muhammad Wahyuddin Aksal Alim Syariat Alim Syariati Amiruddin K Eka Suhartini Fauziah Bakhtiar Hamzah Abd Rahim Helda Rostiani Idris Parakkasi Ita Rukmanasari Kurniadi Kurniadi, Kurniadi Lince Bulutoding Mardatillah Muhammad Adnan Fajrin Muhammad Agung Miftah Syamsul Muhammad Auliya’a Dahlan Nirwana Nirwana Nurjannah Nurmiati Nurmiati Nurul Pratiwi Nurwahida Rama Kandi Rusnawati Rusnawati, Rusnawati Saiful Muchlis Sapsuha, Mubasysyyratul Ummah Sri Sutrismi Tesa Ramadani Wahidah Abdullah Wahyudi Wahyudi Yuni Safitri Zulfahmi Alwi