Garuda - Garba Rujukan Digital

Solo Raya Young Muslims Generation Decision to Invest in Sharia Stocks and Green Investment Nurohman, Yulfan Arif; Qurniawati, Rina Sari; Suparwi
SHAHIH: Journal of Islamicate Multidisciplinary Vol. 9 No. 1 (2024)
Publisher : Universitas Islam Negeri Raden Mas Said Surakarta

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.22515/shahih.v9i1.9657

The younger generation, particularly Muslims, faces concerns about an uncertain future, particularly regarding job opportunities. The unemployment rate in Indonesia has shown an increase, predominantly among the younger generation. This study aims to examine the impact of financial literacy, perceived risk, and high self-confidence on the decision to invest in stocks, particularly Islamic stocks. The research was conducted in the Solo Raya area with 125 Muslim youth investors as respondents, consisting of millennials and Generation Z. The analysis technique used was multiple regression, conducted using SPSS software version 24. The regression results, with a significance value below 0.05, indicate a significant influence of financial literacy, perceived risk, and high self-confidence on the investment decisions of young Muslim investors. Good financial knowledge encourages the younger generation to invest in stocks with confidence, anticipating substantial profits in the future. Perception of risk remains a consideration, leading young investors to delay investment decisions until they feel highly confident.

Understanding Halal Food SMEsâ€™ Behavior Intention towards E-money Qurniawati, Rina Sari; Nurohman, Yulfan Arif
IJIBE (International Journal of Islamic Business Ethics) Vol 5, No 2 (2020): September 2020
Publisher : UNISSULA

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.30659/ijibe.5.2.113-124

This study investigates halal food SMEs intention on use e-money. Prior to the existence of e-money, banking was a solution for small and medium enterprises (SMEs) in doing business and making transactions. Entering the era of the rise of fintech, banks are also competing in issuing their respective electronic money. Â The lack of interest in halal culinary SMEs in using electronic money, it is important for fintech companies to be able to know and understand perceptions to increase interest in re-transacting using electronic money. However, these are few studies discussed behavioral intention in this new area. Consequently, this study examined the factors that influence SMEs' intention to use e-money. A total of one hundred respondents are selected using quantitative method as sources of data collection. The questionnaires are distributed using purposive sampling method in Surakarta, Indonesia. The software used for analysis is the SPSS 20. This study concludes with conclusion and limitation.

FIN-TECH, FINANCIAL INCLUSION, AND SUSTAINABILITY: A QUANTITATIVE APPROACH OF MUSLIMS SMEs Nurohman, Yulfan Arif; Kusuma, Melia; Narulitasari, Devi
IJIBE (International Journal of Islamic Business Ethics) Vol 6, No 1 (2021): March 2021
Publisher : UNISSULA

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.30659/ijibe.6.1.54-67

Sustainability of Small and Medium Enterprises (SMEs) is very important to be noted or observed. Because the majority of Indonesiaâ€™s population is Muslim and many of them are SMEs Actors. This study aim to provide empiric proves about the relation among financial technology (Fintech), financial inclusion, and sustainability muslims SMEs in Solo Raya area. This study uses quantitative approach. Analysis instrument used in this study is Partial Least Square (PLS). All data in the study are collected by handing out questionnaires to 96 SMEs owners who are Muslim chosen with accidental sampling technique. The result of this study shows that there is a positive relation between financial technology and financial inclusion. Financial technology also have positive relation toward the sustainability of SMEs. Besides that, financial inclusion also have positive relation with the sustainability of SMEs. With these results, it is expected that could give more viewpoint to the Government to give a convenient access and support the existence and sustainability of SMEs

PERENCANAAN DAN PENINGKATAN KEUANGAN MELALUI INVESTASI DIGITAL SYARIAH PADA MASYARAKAT DI KAWASAN CAGAR BUDAYA KERATON KARTASURA Kusuma, Melia; Nurohman, Yulfan Arif; Yahya, Alvin
ABDI MAKARTI Vol 3, No 2 (2024): ABDI MAKARTI
Publisher : Sekolah Tinggi Ilmu Ekonomi AMA

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.52353/abdimakarti.v3i2.723

Family economic welfare is everyone's hope. Economic welfare can be successful if there are right decisions in managing finances that begin with financial planning and decisions. The role of housewives and women in economic welfare can be shown in financial management, so a good understanding is needed in managing finances. This community service program aims to improve understanding of financial planning and improvement through digital investment. The participants of the method used through Asset Based Community Development (ABCD) with housewives and women in the cultural heritage area of the Kartasura palace. The results of the training provided will encourage participants to have appropriate digital investment planning and decisions, so that in the future they can obtain welfare

Apakah Pembiayaan Mudharabah dan Pembiayaan Musyarakah Memiliki Dampak yang Berbeda Terhadap Risiko Kredit Bank Umum Syariah? Alifka Farisa Putri; Yulfan Arif Nurohman
AKUA: Jurnal Akuntansi dan Keuangan Vol. 4 No. 1 (2025): Januari 2025
Publisher : Yayasan Pendidikan Penelitian Pengabdian Algero

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.54259/akua.v4i1.3456

This study aims to analyze the differences in the impact of Mudharabah financing and Musyarakah financing on credit risk. Specifically, this study wants to test whether Mudharabah financing tends to be riskier than Musyarakah financing. In this study, data were collected using purposive sampling techniques with specific criteria. With this method, the author was able to identify 9 banking sectors that met the criteria and produced a total of 108 research data used as the basis for analysis. Data analysis was carried out using classical assumption tests, multiple linear regression, partial tests, simultaneous tests, and determination tests assisted by SPSS. The results of the partial test (T) showed that Mudharabah financing had no significant effect on NPF, while Musyarakah financing was proven to have a significant effect on NPF. Based on these findings, it can be concluded that Mudharabah financing is not riskier than Musyarakah financing. The determination test produced a value of 0.686 or 68.6%, which indicates that Mudharabah and Musyarakah financing together have an effect on NPF, while the remainder 31.4% is influenced by other factors outside this research model. The understanding of Mudharabah and Musyarakah financing is crucial in managing the performance of Islamic banks concerning Non-Performing Financing (NPF) risk. The research findings support the agency theory in the context of Islamic financing, highlighting the importance of risk management and the relationship between fund owners and fund managers.

Acceptance And Use of E-Wallet Top-Up Feature Through Mobile Banking of Bank Syariah of Surakarta Muslim Society: UTAUT 2 Approach Nurohman, Yulfan Arif; Qurniawati, Rina Sari; Anggraini, Vivin Puji
Islamic Banking : Jurnal Pemikiran dan Pengembangan Perbankan Syariah Vol 10 No 2 (2025): Islamic Banking:Jurnal Pemikiran dan Pengembangan Perbankan Syariah - Februari 2
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.v10i2.1303

This study aims to identify factors that influence e-wallet top up via mobile banking at Islamic banks for Muslim communities in Surakarta using the UTAUT 2 approach. This study uses a quantitative approach to test and validate the formulated hypotheses. The population of this study were mobile banking users of Islamic banks in the Surakarta area. The sample determination was carried out using a purposive sampling technique, while the respondent criteria were Muslim communities in Surakarta City who had utilized mobile banking services at Islamic banks to top up e-wallets Data collection using questionnaires distributed to 150 Islamic bank customers. The data analysis technique used in this study was the Partial Least Squares (PLS) method which was carried out using SmartPLS software. The results showed that performance expectancy had an effect on behavioral intention, while other variables adopted from UTAUT 2 had no effect on behavioral intention. The contribution of the research findings indicates a shift in consumer preferences and behavior in using digital-based services.

Endorsement Practices Of Syariah Digital Investment By Influencers: An Islamic Economic Perspective In Ethics And Sustainability Studies Nurohman, Yulfan Arif; Sholahuddin, Muhammad; Kusuma, Melia; Putra, Ircham Suwarsang; Suryana, Alean Kistiani Hegy; Susanti, Nani Irma; Imronudin, Imronudin
Al-Amwal : Jurnal Ekonomi dan Perbankan Syari'ah Vol 17, No 1 (2025)
Publisher : UIN Siber Syekh Nurjati Cirebon

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.70095/alamwal.v17i1.19654

The rise of influencers who become affiliates of fraudulent investments provides benefits for investors. The younger generation who tend to FOMO will easily suffer losses due to content created by influencers. Where influencers do not necessarily convey information honestly through content created related to digital investment. This study aims to analyze the role of influencers in sharia digital investment. The trend of sharia investment and the use of influencers has increased, making it an opportunity for investors to choose. In fact, in Indonesia, digital investment results in major losses. This study uses a qualitative approach that uses a literature review method as a method used by researchers. The results of the study provide an overview of the importance of influencers maintaining ethics. In the Islamic perspective, it is regulated about the importance of receiving information that is true and providing information that can be accounted for. Islam provides guidance on investments that are far from gharar and destructive. Influencers and investors need to be equipped with good financial literacy and strengthen the principle of caution. Where previously the principle of caution had not been studied in sharia digital investment through influencers

Endorsement Practices Of Syariah Digital Investment By Influencers: An Islamic Economic Perspective In Ethics And Sustainability Studies Nurohman, Yulfan Arif; Sholahuddin, Muhammad; Kusuma, Melia; Putra, Ircham Suwarsang; Suryana, Alean Kistiani Hegy; Susanti, Nani Irma; Imronudin, Imronudin
Al-Amwal : Jurnal Ekonomi dan Perbankan Syari'ah Vol 17, No 1 (2025)
Publisher : UIN Siber Syekh Nurjati Cirebon

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.70095/alamwal.v17i1.19654

The rise of influencers who become affiliates of fraudulent investments provides benefits for investors. The younger generation who tend to FOMO will easily suffer losses due to content created by influencers. Where influencers do not necessarily convey information honestly through content created related to digital investment. This study aims to analyze the role of influencers in sharia digital investment. The trend of sharia investment and the use of influencers has increased, making it an opportunity for investors to choose. In fact, in Indonesia, digital investment results in major losses. This study uses a qualitative approach that uses a literature review method as a method used by researchers. The results of the study provide an overview of the importance of influencers maintaining ethics. In the Islamic perspective, it is regulated about the importance of receiving information that is true and providing information that can be accounted for. Islam provides guidance on investments that are far from gharar and destructive. Influencers and investors need to be equipped with good financial literacy and strengthen the principle of caution. Where previously the principle of caution had not been studied in sharia digital investment through influencers

Pengalaman, Brand Attitude, dan FoMo pada Perilaku Pembelian Impulsif Generasi Z Saat Berbelanja Online Qurniawati, Rina Sari; Indriastuti, Adelia; Nurohman, Yulfan Arif
Jurnal Manajemen Dayasaing Vol. 27 No. 1 (2025): Jurnal Manajemen Dayasaing
Publisher : Universitas Muhammadiyah Surakarta

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.23917/dayasaing.v27i2.8706

This study aims to examine and explain online customer shopping behavior, attitudinal loyalty, FoMO towards impulsive buying. The number of samples in this study was 160 respondents who were generation Z who had Shopee accounts in Central Java. The analysis technique used was Path Analysis using SmartPLS version 3. The results showed that online customer shopping behavior influenced attitudinal loyalty and impulsive buying and FoMO influenced impulsive buying. Meanwhile, attitudinal loyalty was not proven to influence impulsive buying and did not mediate the relationship between OSCE and impulsive buying. Theoretically, this study contributes to the literature related to OSCE, attitudinal loyalty, FoMO, and impulsive buying. For Managers, this study emphasizes shopping ethics when consumers buy online.

Pengalaman, Brand Attitude, dan FoMo pada Perilaku Pembelian Impulsif Generasi Z Saat Berbelanja Online Qurniawati, Rina Sari; Indriastuti, Adelia; Nurohman, Yulfan Arif
Jurnal Manajemen Dayasaing Vol. 27 No. 1 (2025): Jurnal Manajemen Dayasaing
Publisher : Universitas Muhammadiyah Surakarta

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.23917/dayasaing.v27i2.8706

This study aims to examine and explain online customer shopping behavior, attitudinal loyalty, FoMO towards impulsive buying. The number of samples in this study was 160 respondents who were generation Z who had Shopee accounts in Central Java. The analysis technique used was Path Analysis using SmartPLS version 3. The results showed that online customer shopping behavior influenced attitudinal loyalty and impulsive buying and FoMO influenced impulsive buying. Meanwhile, attitudinal loyalty was not proven to influence impulsive buying and did not mediate the relationship between OSCE and impulsive buying. Theoretically, this study contributes to the literature related to OSCE, attitudinal loyalty, FoMO, and impulsive buying. For Managers, this study emphasizes shopping ethics when consumers buy online.

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