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All Journal Jurnal Ilmiah Wahana Pendidikan Labatila: Jurnal Ilmu Ekonomi Islam Journal of Islamic Economics and Finance
Rina Sari Qurniawati
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Religion Economics, Econometrics & Finance Education Social Sciences Other

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Determinan Penggunaan E-Wallet Generasi Milenial Muslim Aisyah Aisyah; Yulfan Arif Nurohman; Rina Sari Qurniawati
LABATILA : Jurnal Ilmu Ekonomi Islam Vol 6 No 02 (2022)
Publisher : Lembaga Penelitian dan Pengembangan Masyarakat IAINU Kebumen

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.33507/labatila.v6i02.1025

Abstract

The development of information technology provides advances in the financial sector, especially digital payments. At this time digital payments have become a necessity to get some of the access offered to the public. The purpose of this study is to examine the factors that determine the millennial generation to use e-wallets. The variables tested include perceived usefulness, perceived ease of use, perceived risk and perceived security. Respondents in this study are the Muslim millennial generation in Solo Raya area. Based on the results of the data search, a sample of 108 respondents was obtained. The technique of selecting respondents using purposive sampling which provides certain criteria to the sample. The research method used is descriptive research with multiple linear analysis. Tests were carried out using SPSS software by testing the validity and reliability before carrying out multiple regression to prove the hypothesis. Based on the data obtained, it shows that the majority of respondents are dominated by women, while the majority of jobs are private employees. The results of the variable test show that perceived usefulness and perceived usefulness have a positive influence on usage decisions for the Muslim millennial generation. The perceived risk and security variables do not affect the decision to use e-wallets.
Determinan Pembelian Kompulsif pada Mahasiswa Pengguna Buy Now Pay Later Rina Sari Qurniawati; Dhandy Rachmat Andreyan; Yulfan Arif Nurohman
Jurnal Ilmiah Wahana Pendidikan Vol 9 No 9 (2023): Jurnal Ilmiah Wahana Pendidikan
Publisher : Peneliti.net

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.5281/zenodo.7951720

Abstract

Students prefer to use paylater payments rather than using bank credit loans because there is no need for them to provide guarantees. With the development of paylater payments in Indonesia since the pandemic, this has led to compulsive buying behavior. For this reason, this research has an urgency to be carried out so that people have control over their behavior. In testing the hypothesis using multiple linear regression using SPSS version 25. after testing the validity and reliability using 125 samples, it is continued with multiple linear regression tests. The results of this study are the pain of paying and the ease of payment methods that prove to affect compulsive buying. while financial literacy is not proven to have an effect on compulsive buying
Keputusan Investasi Digital dan Transaksi Non Tunai Investor Muslim Yulfan Arif Nurohman; Rina Sari Qurniawati
Journal of Islamic Economics and Finance Vol. 2 No. 2 (2022): JIEF VOL.2 NO.2 NOVEMBER 2022
Publisher : Departement of Sharia Economics, Faculty of Islamic Economics and Business, Universitas Islam Negeri K.H Abdurrahman Wahid Pekalongan

Show Abstract | Download Original | Original Source | Check in Google Scholar | Full PDF (843.571 KB) | DOI: 10.28918/jief.v2i2.6098

Abstract

Muslim investors invest for financial gain in the future. The current investment decision determines the profit or loss received. The purpose of the study was to determine how much financial literacy and risk tolerance influence in determining digital investment decisions and to find out how much financial literacy and risk tolerance influence in conducting non-cash transactions during the covid-19 pandemic for Muslim investors. The research was conducted on Muslim investors in Sukoharjo Regency. Determination of the sample using purposive sampling with the number of respondents as many as 110. Data collection was done using a questionnaire distributed to Muslim investors who have done investment activities. Testing the model using Path Analysis with SmartPLS Software by performing Individual Item Reliability Test, Internal Consistency Test, and Discriminant Validity Test. The test results show that the financial literacy of Muslim investors has no effect on investment decisions and non-cash transaction decisions. Meanwhile, risk tolerance affects investment decisions and non-cash transaction decisions. The investment decisions of a Muslim are not based on their financial knowledge but on the current economic situation.
Keputusan Investasi Digital dan Transaksi non Tunai Investor Muslim di Kabupaten Sukoharjo Arif, Yulfan; Rina Sari Qurniawati
Journal Of Islamic Economics And Finance Vol 2 No 2 (2022): Volume 2 Nomor 2 Tahun 2022
Publisher : Universitas Islam Negeri K.H. Abdurrahman Wahid Pekalongan

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.28918/jief.v2i2.6098

Abstract

Muslim investors invest for financial gain in the future. The current investment decision determines the profit or loss received. The purpose of the study was to determine how much financial literacy and risk tolerance influence in determining digital investment decisions and to find out how much financial literacy and risk tolerance influence in conducting non-cash transactions during the covid-19 pandemic for Muslim investors. The research was conducted on Muslim investors in Sukoharjo Regency. Determination of the sample using purposive sampling with the number of respondents as many as 110. Data collection was done using a questionnaire distributed to Muslim investors who have done investment activities. Testing the model using Path Analysis with SmartPLS Software by performing Individual Item Reliability Test, Internal Consistency Test, and Discriminant Validity Test. The test results show that the financial literacy of Muslim investors has no effect on investment decisions and non-cash transaction decisions. Meanwhile, risk tolerance affects investment decisions and non-cash transaction decisions. The investment decisions of a Muslim are not based on their financial knowledge but on the current economic situation
Co-Authors Aisyah Aisyah Arif, Yulfan Dhandy Rachmat Andreyan Yulfan Arif Nurohman Yulfan Arif Nurohman