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All Journal SALAM: Jurnal Sosial dan Budaya Syar-i SELAPARANG: Jurnal Pengabdian Masyarakat Berkemajuan Agriprimatech Oeconomicus Journal of Economics Ekonomica Sharia: Jurnal Pemikiran dan Pengembangan Ekonomi Syariah Jurnal Ilmiah Mahasiswa Perbankan Syariah (JIMPA) AKM: Aksi Kepada Masyarakat Islamic Banking : Jurnal Pemikiran dan Pengembangan Perbankan Syariah Jurnal Ekonomi Bisnis, Manajemen dan Akuntansi (JEBMAK) Indonesian Journal of Advanced Research (IJAR) I-PHILANTHROPY: A Research Journal on Management of Zakat and Waqf Jurnal Ilmiah Mahasiswa Ekonomi Syariah (JIMESHA) Ekomania Jurnal Siber Multi Disiplin Ekoman: Jurnal Ekonomi, Bisnis Dan Manajemen INTERACTION: Jurnal Pendidikan Bahasa Profetika: Jurnal Studi Islam
Saprida, Saprida
Sekolah Tinggi Ekonomi Dan Bisnis Syariah (STEBIS) Indo Global Mandiri
Religion Agriculture, Biological Sciences & Forestry Humanities Civil Engineering, Building, Construction & Architecture Computer Science & IT Control & Systems Engineering Decision Sciences, Operations Research & Management Economics, Econometrics & Finance Education Engineering Environmental Science Health Professions Languange, Linguistic, Communication & Media Law, Crime, Criminology & Criminal Justice Medicine & Pharmacology Nursing Public Health Social Sciences Other

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Ethical Utilization of Mobile Banking In Enhancing Digital Economic Literacy: An Islamic Banking Perspective Choiriyah Choiriyah; Dwi Noviani; Saprida Saprida
Islamic Banking : Jurnal Pemikiran dan Pengembangan Perbankan Syariah Vol. 11 No. 2 (2026): Islamic Banking:Jurnal Pemikiran dan Pengembangan Perbankan Syariah - Februari
Publisher : Sekolah Tinggi Ekonomi dan Bisnis Syariah (STEBIS) Indo Global Mandiri

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.36908/isbank.v11i2.1658

Abstract

This study examines the utilization of Islamic mobile banking applications as a medium for enhancing digital economic literacy within an Islamic ethical framework. Using a descriptive quantitative approach, questionnaires were distributed to 100 active users of Islamic mobile banking applications in Indonesia. Data were analyzed using descriptive statistics, Pearson correlation, and simple linear regression to assess the relationship between educational features, perceived Islamic banking ethics, and users’ digital economic literacy. The findings indicate that educational features and the perceived integration of Islamic ethical values—such as justice, transparency, and the avoidance of riba—are significantly associated with higher levels of digital economic literacy. However, only a limited proportion of users actively access Sharia-based educational content within the applications. This suggests that while Islamic mobile banking has strong potential as an ethical learning platform, its effectiveness depends on the clarity, accessibility, and interactivity of Sharia-oriented educational features.
Consumer Credit Administration Process at Bank Sumsel Babel KCU Arivai Palembang M. Sholeh Awaludin; Saprida Saprida; Havis Aravik; Ahmad Tohir
EKOMAN: Jurnal Ekonomi, Bisnis dan Manajemen Vol. 4 No. 2 (2026): EKOMAN: Jurnal Ekonomi, Bisnis dan Manajemen
Publisher : Penerbit dan Percetakan CV. Picmotiv

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.61930/ekoman.v4i1.503

Abstract

The consumer credit administration process is a crucial step in the distribution of banking financing because it determines the smoothness, accuracy, and security of the credit disbursement process to customers. Frequently encountered problems include incomplete documents, inconsistent administrative data, miscommunication between work units, and the accumulation of archives that can potentially hinder the credit verification and approval process. This report aims to describe the consumer credit administration process at Bank Sumsel Babel KCU Arivai Palembang, explain the role of student interns in supporting administrative activities, and identify obstacles and their resolutions. The method used is a qualitative descriptive approach with data collection techniques such as observation, interviews, documentation, and literature studies. The results of the study indicate that the consumer credit administration process is carried out through the stages of credit application, document and SLIK inspection, legality check, feasibility evaluation, and credit agreement. Student interns play a role in assisting with data input, document verification, archiving, and contract administration preparation, thus supporting the smooth operation of the work unit. Obstacles encountered include incomplete customer documents, errors in form filling, suboptimal coordination, and limited archive space. Improvement efforts were made through the implementation of document checklists, enhanced internal communication, customer education, and systematic archive management, thereby enhancing administrative effectiveness and the quality of consumer credit services.
DAMPAK PROGRAM EKONOMI HIJAU TERHADAP PERILAKU KONSUMEN DALAM PENGURANGAN PENGGUNAAN PLASTIK DI FARMERS MARKET PALEMBANG Shinta Jumiarsih; Nova Yanti Maleha; Saprida Saprida
Jurnal Ilmiah Mahasiswa Ekonomi Syariah (JIMESHA) Vol 6 No 1 (2026): Jurnal Ilmiah Mahasiswa Ekonomi Syariah (JIMESHA) - INPRESS
Publisher : Sekolah Tinggi Ekonomi dan Bisnis Syariah (STEBIS) Indo Global Mandiri Palembang

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.36908/jimesha.v6i1.844

Abstract

Permasalahan lingkungan hidup sudah tidak asing lagi bagi masyarakat Indonesia. Faktor yang paling berpengaruh terhadap permasalahan lingkungan hidup salah satunya adalah plastik. Dampak plastik terhadap lingkungan merupakan salah satu dampak negatif pencemaran lingkungan yang harus ditanggung alam akibat hadirnya sampah plastik. Salah satu tempat yang paling banyak menggunakan plastik yaitu super market. Penelitian ini bertujuan untuk mengetahui apakah program ekonomi hijau berpengaruh secara signifikan terhadap perubahan perilaku konsumen dalam mengurangi penggunaan plastik di Famers Market Palembang. Penelitian ini termasuk penelitian lapangan, dengan populasi penelitian adalah seluruh konsumen Farmers Market pada tahun 2025, sampel yang diambil sebanyak sebanyak 100 orang konsumen. Metode analisis data yang digunakan yaitu uji instrumen data (uji validitas, uji reliabilitas dan uji normalitas) uji regresi linier sederhana (uji koefisien determinasi, uji t) yang di bantu dengan SPSS 27. Hasil penelitian menunjukan bahwa hasil analisis hipotesis dengan uji t parsial menunjukkan nilai t hitung 3.218 t tabel 1,661 dan nilai signifikan sebesar 0,02 lebih kecil 0,05 (sig (0,02) < 0,05) dengan nilai koeifisen positif yaitu 0,528. Berdasarkan hasil tersebut dapat dinyatakan bahwa variable Dampak Go green (X) secara parsial mempunyai pengaruh signifikan dan positif terhadap Perilaku Konsumen (Y), dengan demikian dapat disimpulkan bahwa Ha diterima dan Ho ditolak menunjukkan bahwa dampak go green memiliki pengaruh positif dan signifikan terhadap perilaku konsumen. Program ekonomi hijau dapat mempengaruhi perilaku konsumen menuju pola konsumsi yang lebih ramah lingkungan, namun efektivitasnya dapat ditingkatkan melalui pendekatan insentif dan edukasi yang lebih intensif
Co-Authors Abdullah, Duha Ahmad Tohir Amir Salim Amir Salim Amir Salim Ana Toni Roby Candra Yudha Anastasya, Vinye anisa damayanti Aravik, Havis Astari Rara Dandi Chandra Satria Choiriyah Choiriyah Choiriyah Choiriyah Choiriyah Choiriyah Choiriyah Choiriyah Choirunnisak Choirunnisak Choirunnisak Doly Nofiansyah Dwi Noviani Eko Firman Susilo Emilia Sari Emilia Sari Emilia Sari Emilia Sari Epin Nariansyah Fadilla Fadilla Fawwaz El-Farobie Fitri Raya Fitri Raya Fitri Raya harir, muharir Imamul Arifin Jaka Andika Juli Yani Kellyn Oktaviana M. Sholeh Awaludin Masayu Safita Melis Melis Melis Melis Melis, Melis Meriyati Meriyati Mistuti Mistuti Muharir Muharir Munthe, Syafaruddin Nazhala Hairunisya Nova Yanti Maleha Patmalia Dalimunthe Purba, Alya Annisa Putri Randi Yopanggi Rini Andriani Munthe Riska Nurharita Risma Risma Rora Yolanda Sabila, Diva Najwah Shinta Dwi Putri Shinta Jumiarsih Umari, Zuul Fitriana Umari, zuul fitriani Wahit Sobri Wilson Saruksuk Zuul Fitriani Umari Zuul Fitriani Umari Zuul Fitriani Umari