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All Journal Media Trend: Berkala Kajian Ekonomi dan Studi Pembangunan SEIKO : Journal of Management & Business Jurnal Manajemen Dirgantara Al-Muqayyad Jurnal Abdi Insani Equity: Jurnal Ekonomi Asy Syar'iyyah: Jurnal Ilmu Syari'ah dan Perbankan Islam Jurnal Kewarganegaraan Jurnal Bilqolam Pendidikan Islam Journal of Accounting and Finance Management (JAFM) EKONOMIKA SYARIAH : Journal of Economic Studies AMALA Jurnal Pengabdian Kepada Masyarakat Jurnal Manajemen, Akuntansi, Ekonomi Indonesian Journal of Multidisciplinary Sciences Jurnal Sistem Informasi Journal of multidisipline and Equality
Zikri Rahmani
Fakultas Ekonomi, Universitas Bangka Belitung, Indonesia.
Religion Agriculture, Biological Sciences & Forestry Humanities Civil Engineering, Building, Construction & Architecture Computer Science & IT Decision Sciences, Operations Research & Management Economics, Econometrics & Finance Education Engineering Environmental Science Health Professions Industrial & Manufacturing Engineering Languange, Linguistic, Communication & Media Law, Crime, Criminology & Criminal Justice Mathematics Social Sciences Transportation Other

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Analisis Penerapan Fintech Payment terhadap Financial Behavior Customer berbasis Gender Rahmani, Zikri; Fitari, Tiara
SEIKO : Journal of Management & Business Vol 6, No 2.1 (2023)
Publisher : Program Pascasarjana STIE Amkop Makassar

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.37531/sejaman.v6i2.5625

Abstract

Perkembangan dan kemajuan teknologi membuat aktivitas kehidupan kita menjadi semakin mudah dan dapat dilakukan secara digital sehingga memudahkan kerjasama yang dilakukan oleh individu maupun kelompok dengan tidak ada batas jarak dan waktu, tanpa tekecuali dalam transaksi keuangan. Kemajuan teknologi dalam bidang transaksi keuangan (fintech Payment) ini tentu merubah dan mempengaruhi pola pikir serta gaya hidup (financial behavior) masyarakat dalam aktifitas keuangannya. Tujuan dalam penelitian ini untuk menanganalisis bagaimana penerapan Fintech Payment terhadap Financial Behavior Customer berbasis Gender (Studi Kasus pada Usaha Retail di Kota Pangkalpinang). Jenis penelitian yang digunakan adalah penelitian kuantitatif. Teknik pengumpulan data yang digunakan oleh peneliti yaitu survei lapangan dengan wawancara dan pengisian kuisioner kepada responden, kemudian untuk menambah analisis dilakukan studi pustaka dan dokumentasi. Fokus dalam penelitian ini adalah menganalisis pengaruh penerapan Fintech Payment terhadap Financial Behavior Customers. Penelitian ini diharapkan dapat memberikan kontribusi dan edukasi serta menganalisis bagaimana pengaruh Fintech Payment terhadap Financial Behavior Customer dalam kehidupan sehari-hari khususnya pada pelaku usaha retail yang ada di Kota Pangkal Pinang. Kata Kunci: Fintech Payment, Financial Behavior dan usaha retail
Implementasi Pembelian Pakaian Baru Bagi Mahasiswi Untuk Menciptakan Nilai Positif Diri Sendiri Dalam Perspektif Ekonomi Mikro Islam Maratus, Maratus Soliha; Sari, Sheptya Mayang; Sumantri, Rinol; Iqbal, M.; Rahmani, Zikri
Jurnal Manajemen, Akuntansi, Ekonomi Vol. 3 No. 3 (2025): Jurnal Manajemen, Akuntansi, Ekonomi
Publisher : CV. Era Digital Nusantara

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.59066/jmae.v3i3.1205

Abstract

This article discusses the implementation of purchasing new clothes for UIN Raden Fatah Palembang students as an effort to create positive values ​​within themselves. In an Islamic microeconomic perspective, purchasing clothes is not only seen from the material side, but also from the social and psychological impacts that can be caused. This research uses a qualitative approach by collecting data through interviews and surveys of female students. The research results show that purchasing new clothes can increase self-confidence, strengthen self-identity, and encourage positive social interactions. Apart from that, aspects of Islamic microeconomics which focus on justice and welfare are also an important basis for making purchasing decisions. Thus, purchasing new clothes becomes not only a necessity, but also part of an ongoing self-investment. This research is a field research that aims to explore in depth the relationship between context and interactions between individuals, groups, society and institutions. In this research, the approach used is descriptive qualitative. Purchasing new clothes for UIN Raden Fatah Palembang students not only fulfills their physical needs, but also has deeper implications for self-development, economic ethics and social relationships. By considering Islamic principles in shopping, female students can make decisions that not only benefit themselves, but also society and the environment. Therefore, it is important for female students to be aware of the impact of their choices and strive to shop in a responsible and ethical manner. awareness of budgets and expenses is very important. For example, by planning clothing purchases according to predetermined needs and budgets, female students can avoid unnecessary debt and maintain their financial health. This is in line with the principles of Islamic teachings which encourage its followers to shop wisely and not excessively.
What Drives the Islamic Stock Market Price in Indonesia? Munir, Misbahul; Akbar, Muhammad Faisal; Yuningsih, Ayu; Rahmani, Zikri; Lusiana, Dewi
EKONOMIKA SYARIAH : Journal of Economic Studies Vol. 7 No. 2 (2023): December 2023
Publisher : Universitas Islam Negeri Sjech M. Djamil Djambek Bukittinggi

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.30983/es.v7i2.7650

Abstract

Saat ini, pasar modal syariah berkembang semakin pesat. Hal ini ditandai dengan munculnya berbagai indeks saham syariah termasuk Jakarta Islamic Index (JII). Pasar modal  adalah lembaga keuangan yang berkontribusi dalam pengelolaan dana investasi, serta menjadi penggerak utama dalam sistem ekonomi. Namun, pasar modal syariah dalam beberapa dekade terakhir menunjukkan pergerakan yang fluktuatif, diduga ada faktor-faktor yang mempengaruhi pergerakannya. Tujuan dari penelitian ini adalah untuk mengkaji faktor-faktor yang mempengaruhi pergerakan Jakarta Islamic Index. Metode yang digunakan dalam penelitian ini adalah deskriptif kuantitatif dengan data time series tahun 2009-2021. Variabel independen dalam penelitian ini adalah ekonomi makro yang terdiri dari  inflasi (INF), Indeks Produksi Industri (IPI), BI Rate, nilai tukar, dan Indeks Harga Saham Gabungan Indonesia (IHSG) sedangkan variabel dependennya adalah Jakarta Islamic Index (JII). Alat analisis yang digunakan dalam penelitian ini adalah Vector Error Correction Model (VECM). Hasil penelitian ini menunjukkan bahwa secara umum, dalam jangka pendek, pergerakan Indeks Saham Syariah yaitu Jakarta Islamic Index (JII) tidak banyak dipengaruhi oleh variabel makroekonomi. Sementara itu, dalam jangka panjang, pergerakan indeks saham syariah di Indonesia dipengaruhi oleh variabel makroekonomi.Currently, the Islamic capital market is growing rapidly. This is marked by the emergence of various Islamic stock indices, including the Jakarta Islamic Index (JII). The capital market is a financial institution that contributes to the management of investment funds as well as being the main driving force in the economic system. However, the Islamic capital market in recent decades has shown fluctuating movements; allegedly, some factors affect its movement. The purpose of this study is to examine the factors that influence the movement of the Jakarta Islamic Index. The method used in this study is quantitative-descriptive with time series data from 2009 to 2021. The independent variable in this study is macroeconomics, consisting of inflation (INF), industrial production index (IPI), BI rate, exchange rate, and Indonesia Composite Stock Price Index (ICI), while the dependent variable is the Jakarta Islamic Index (JII). The analysis tool used in this study is the Vector Error Correction Model (VECM). The results of this study show that, in general, in the short term, the movement of the Sharia Stock Index, namely the Jakarta Islamic Index (JII), is not much influenced by macroeconomic variables. Meanwhile, in the long run, the movement of Islamic stock indices in Indonesia is influenced by macroeconomic variables.
Characteristics of Extreme Poverty in the Province of Bangka Belitung Islands Zikri Rahmani; Devi Valeriani; Ayu Wulandari; Muhammad Faisal Akbar; Agung Rizki Putra; Misbahul Munir; Rozi Rozi
Equity: Jurnal Ekonomi Vol 12 No 2 (2024): Equity : Jurnal Ekonomi
Publisher : Universitas Bangka Belitung

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.33019/equity.v12i2.382

Abstract

This study aims to analyze the characteristics of poverty in seven districts and cities in the Bangka Belitung Islands Province. This study uses primary and secondary data from the Central Bureau of Statistics (BPS) and other relevant sources. The analysis was conducted descriptively to identify factors that influence poverty, such as the age of the poor, marriage, education level, number of dependents, type of employment, income, living conditions, government assistance and health. The results show that poverty in Bangka Belitung is more dominant in rural areas than urban areas. Low education levels and limited access to health services are the main causes of poverty in this area. In addition, the community's dependence on the fluctuating mining sector also affects the economic stability of households. This study also found significant income inequality between low- and highincome groups. Based on these findings, efforts to improve access to education and health, as well as economic sector diversification to reduce unemployment are recommended. More inclusive policies are needed to sustainably address poverty in the region.
KEPUTUSAN PEMBELIAN SKINCARE THE ORIGINOTE DITINJAU DARI KUALITAS PRODUK DAN LABELISASI HALAL Oktavia Efriani; Citra Pertiwi; Zikri Rahmani
Journal of Multidiscipline and Equality Vol. 2 No. 1 (2025): JME: Journal of Multidiscipline and Equality
Publisher : CV. Cendekiawan Muda Sriwijaya

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.70656/jme.v2i1.269

Abstract

Pertumbuhan industri kosmetik di Indonesia yang semakin pesat khususnya pada produk skincare memunculkan persaingan yang ketat dan akan berdampak terhadap keputusan pembelian. Penelitian ini bertujuan untuk menganalisis pengaruh kualitas produk dan labelisasi halal terhadap keputusan pembelian produk The Originote pada mahasiswa FEBI UIN Raden Fatah Palembang. Populasi dalam penelitian ini adalah mahasiswa Fakultas Ekonomi dan Bisnis Islam UIN Raden Fatah Palembang angkatan 2020 dan 2021 yang berjumlah 1.395 orang dan jumlah sampel yang diambil dalam penelitian ini adalah 93 orang mahasiswa. Penelitian ini dilakukan dengan menggunakan metode kuantitatif dengan perhitungan berdasarkan data hasil penyebaran kuesioner serta diolah dengan menggunakan SPSS 25. Analisis yang digunakan dalam penelitian ini adalah uji validatas, uji reliabilitas, uji multikolinearitas, uji heteroskedostisitas, uji normalitas, analisis regresi linier berganda, uji hipotesis yaitu uji t, uji F, dan uji koefisien determinasi (Uji R). Hasil penelitian uji t menunjukkan bahwa variabel kualitas produk berpengaruh positif dan signifikan terhadap keputusan pembelian produk The Originote dapat dilihat dari nilai t hitung>t tabel (9,040>1,987). Sedangkan variabel labelisasi halal tidak berpengaruh positif dan signifikan terhadap keputusan pembelian produk The Originote dapat dilihat dari nilai t hitung1,987). Hasil penelitian uji F menunjukkan bahwa variabel kualitas produk dan labelisasi halal berpengaruh positif dan signifikan secara bersamasama terhadap keputusan pembelian produk The Originote yang dapat dilihat dari nilai f hitung>f tabel (93,242>3,10).
Implementation of Islamic Marketing Ethics at Bank Mega Syariah Sub-Branch Office (KCP) Palembang Listiawati; Muhammad Faris Afif; Zikri Rahmani; Tazhirowati
Indonesian Journal of Multidisciplinary Sciences (IJoMS) Vol. 4 No. 1 (2025): Indonesian Journal of Multidisciplinary Sciences (IJoMS)
Publisher : CV. Era Digital Nusantara

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.59066/ijoms.v4i1.1267

Abstract

This study aims to analyze the implementation of Islamic marketing ethics at Bank Mega Syariah Sub-Branch Office (KCP) Palembang. Islamic marketing ethics refer to principles derived from Islamic teachings in marketing activities, emphasizing honesty, fairness, responsibility, and the absence of fraud or exploitation. This research employs a qualitative descriptive approach. Data were collected through in-depth interviews with management and marketing staff, direct observation, and documentation. The findings indicate that Bank Mega Syariah KCP Palembang has consistently applied the principles of Islamic marketing ethics, particularly in terms of honest product information, transparency in contracts (akad), fair service to customers, and avoiding excessive promotional practices. However, some challenges remain, such as limited understanding among certain marketing personnel regarding Islamic principles and the pressure to meet business targets. Therefore, enhanced internal training based on Islamic values is necessary to strengthen commitment and improve service quality in accordance with sharia principles.
What Makes Gen Z in Indonesia Use P2P Lending Applications: An Extension of Technology Acceptance Model Yanto; Agung Putra; Zikri Rahmani; M. Afdal Samsudin
Jurnal Sistem Informasi Vol. 20 No. 1 (2024): Jurnal Sistem Informasi (Journal of Information System)
Publisher : Faculty of Computer Science Universitas Indonesia

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.21609/jsi.v20i1.1348

Abstract

This study aims to determine the factors influencing Gen Z members in Indonesia using P2P lending applications. This study extended TAM by collaborating with important constructs, such as trust, perceived risk, and hedonic motivation, to explain Generation Z’s intention to use P2P lending applications. This study utilized an online survey to acquire data. The total sample size was 305 users of P2P lending applications from Generation Z. The obtained data were then analyzed using PLS-SEM. The results show that perceived usefulness has no effect on the intention to use P2P lending applications. Meanwhile, trust mediates the relationship between perceived ease of use and perceived usefulness on intention to use P2P lending applications. The results show that Generation Z's intention to use P2P lending applications is influenced by technological sophistication factors, the belief that P2P lending applications guarantee their privacy concerns and security risks, and the existence of pleasant experiences.
Co-Authors Agung Putra Agung Rizki Putra Agung Rizky Putra Ariansyah, Ary Fatkurrochman Ayu Wulandari Ayu Wulandari Citra Pertiwi Devi Valeriani Devi Valeriani Dini Oktariani Eka Fitriyanti Eka, Eka Fitriyanti Faisal Akbar, Muhammad Fitari, Tiara Fitriyanti, Eka Karimullah, Suud Sarim Listiawati Lusiana, Dewi M Afdal S M. Afdal Samsudin M. Iqbal Maratus, Maratus Soliha Misbahul Munir Muhamad Hijran Muhammad Faris Afif Mustofa Tohari Nurwasya Nurwasya Oktavia Efriani Reniati Reniati Ria Atlantika Rinol Sumantri Rozi Rozi Rozi, Rozi Samsuddin, M. Afdal Sari, Sheptya Mayang Tazhirowati Yanto Yuningsih, Ayu