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Gaya Hidup, Persepsi, dan Pengaruhnya Terhadap Keputusan Penggunaan E-Wallet (Studi Pada Mahasiswa Prodi Ekonomi Syariah IAIN Kediri Angkatan 2019-2022) Marbiyanti, Reni; Munif, Achmad; Fadilah, Adin; Utama, Yopi Yudha
Al-Muraqabah: Journal of Management and Sharia Business Vol. 4 No. 1 (2024): Al-Muraqabah: Journal of Management and Sharia Business
Publisher : Sharia Business Management Study Program, Faculty of Economics and Islamic Business at IAIN Kediri

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.30762/almuraqabah.v4i1.1366

Abstract

This study evaluates the influence of lifestyle and perception on the decision to use the electronic wallet ShopeePay among students of Islamic Business 2019-2022 IAIN Kediri. Quantitative methods are used with a population of 642 students. In this study, 215 respondents were selected through purposive sampling. The analysis conducted includes descriptive statistical tests, instrument tests, classical acceptance tests, multiple linear regression analysis and hypothesis tests. The results show that lifestyle has a positive influence of 0.320 on the decision to use the ShopeePay e-wallet. Perceptions also have a positive influence on the decision to use the ShopeePay e-wallet (0.838). The T-test shows that lifestyle has a significant influence on the decision to use the ShopeePay e-wallet, with a t-value of 3.311, which is greater than the t-table of 1.971. In addition, the Pearson correlation value between lifestyle and the decision to use the ShopeePay e-wallet is 0.607. The effect of lifestyle on the use of ShopeePay wallets shows a strong correlation (r = 0.723, t = 9.098> t-table = 1.971). The effect of perception on the decision to use ShopeePay e-wallet is significant (p <0.05) among 2019-2022 Islamic economics students. Based on the determination analysis, lifestyle and perception have a significant influence on the decision to use the ShopeePay e-wallet at 54.6%. The remaining 45.4% is influenced by other variables not investigated in this study.
Strategi KSPPS BMT Peta Kediri Dalam Meminimalisir Potensi Risiko Pembiayaan Adin Fadilah
WADIAH Vol. 6 No. 2 (2022): Wadiah : Jurnal Perbankan Syariah
Publisher : Program Studi Perbankan Syariah Fakultas Ekonomi dan Bisnis Islam IAIN Kediri

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.30762/wadiah.v6i2.217

Abstract

KSPPS BMT PETA Kediri merupakan cabang dari KSPPS BMT PETA Tulungangung. Sama halnya dengan lembaga keuangan lainnya fungsi utamanya yaitu menghimpun dan menyalurkan dana dari masyarakat. Fokus utama dari KSPPS BMT PETA Kediri yaitu meningkatkan kemampuan pembiayaan yang disalurkan, juga mengedepankan prinsip kehati-hatian dalam penyaluran pembiayaan. Oleh karena itu penulis tertarik untuk membahas Strategi KSPPS BMT PETA Kediri Dalam Meminimalisir Potensi Risiko Pembiayaan Bermasalah. Penelitian ini menggunakan pendekatan kualitatif. Penelitian kualitatif merupakan penelitian yang digunakan untuk mengungkap suatu gejala secara holistic-konsektual melalui pengumpulan data yang didapatkan dari latar alami dengan memanfaatkan peneliti sebagai instrumen kunci. Strategi yang dilakukan oleh KSPPS BMT PETA Kediri dalam meminimalisir potensi pembiayaan bermasalah menggunakan prinsip 5C saat melakukan survei, prinsip tersebut terdiri dari Character (Karakter), Capacity (Kapasitas), Capital (Modal), Colateral (Agunan) dan Condition (Kondisi). Kelima prinsip di atas adalah pengendalian terhadap risiko juga bisa dilakukan oleh manajemen risiko dalam mengatasi risiko yang mungkin akan terjadi dengan metode penghindara. Kata Kunci: Prinsip 5C, Strategi, Meminimalkan, Risiko, Pembiayaan
Pengaruh Risk Based Capital Terhadap Profitabilitas Pada Perusahaan Asuransi Jiwa Syariah Adin Fadilah; Alvido Zakaria, Mochamad Alvido Zakaria
WADIAH Vol. 9 No. 2 (2025): Wadiah: Jurnal Perbankan Syariah
Publisher : Program Studi Perbankan Syariah Fakultas Ekonomi dan Bisnis Islam IAIN Kediri

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.30762/wadiah.v9i2.2431

Abstract

This study examines the impact of Risk Based Capital (RBC) on the profitability of Islamic life insurance companies in Indonesia. RBC is a key financial health indicator ensuring insurers can meet their obligations. Using a quantitative approach with panel data regression, the study finds that while RBC influences profitability, the effect is not significant. Other factors such as claim expenses and investment returns must be considered to enhance profitability.
Pengaruh DAR dan DER Terhadap Perusahaan Asuransi Jiwa Syariah Periode 2023-2024 Mochamad Alvido Zakaria; Mahfudhotin; Adin Fadilah; Erawati Dwi Lestari
OECONOMICUS Journal of Economics Vol. 10 No. 1 (2025): (December) edisi 19
Publisher : Program Studi Ilmu Ekonomi UIN Sunan Ampel Surabaya

Show Abstract | Download Original | Original Source | Check in Google Scholar

Abstract

Perusahaan asuransi jiwa yang terdaftar di OJK berjumlah 28 perusahaan. Dalam menjalankan operasionalnya perusahaan tidak bisa lepas dari utang. DAR merupakan alat yang digunakan untuk membandingkan proporsi utang dengan aset. Sedangkan DER membandingkan proporsi utang dengan ekuitas. Sangat penting menimbang dan memperhatikan dalam penggunaan utang, utang yang diharapkan dapat menghasilkan laba yang diinginkan atau digapai. Keuntungan ROA yang diperoleh dari pengelolaan aset perusahaan. semakin tinggi nilai ROA maka perusahaan tersebut dapat mengelola dengan baik. Peneliti akan menguji bagaimana pengaruh DAR dan DER terhadap ROA pada perusahaan asuransi jiwa syariah periode 2023-2024.Penelitian ini menggunakan metode kuantitatif. Jenis data yang digunakan data sekunder yaitu laporan keuangan bulanan perusahaan asuransi jiwa syariah periode 2023-2024 yang telah dipublikasikan. Populasi dalam penelitian ini adalah seluruh laporan keuangan perusahaan asuransi jiwa periode 2023-2024 dan terdapat 171 sampel. Peneliti menggunakan analisis data panel menggunakan Random Effect Model . Hasil penelitian ini menunjukkan bahwa Debt to Asset Ratio (DAR) berpengaruh terhadap Return on Asset (ROA). Sedangkan Debt to Equity Ratio (DER ) pada perusahaan asuransi jiwa syariah periode 2023-2024 tidak berpengaruh terhadap Return on Asset (ROA).
Analyzing the Performance of Rumah Zakat in Distributing Ziswaf Funds: A Study in Kediri City, East Java Adin Fadilah; Mirahayu Mirahayu
JOURNAL OF SHARIA ECONOMICS Vol. 3 No. 2 (2021): Journal of Sharia Economics
Publisher : Program Studi Ekonomi Syariah, Fakultas Ekonomi dan Bisnis Islam, Universitas Al Hikmah Indonesia

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.35896/jse.v3i2.230

Abstract

In the current pandemic period, Islamic Philanthropy (ZISWAF) should be able to provide a solution to the problems of the ummah. For this reason, in order to optimize the distribution and distribution of zakat at Rumah Zakat in the city of Kediri, both in the field of utilization and benefits, appropriate strategies are needed to overcome problems during the current pandemic that is happening. From the background of these problems, good strategies are needed in terms of distribution and distribution as well as education is also needed to the surrounding community. Based on the description above, it is necessary to conduct research to further examine how good the distribution, distribution strategies, and ways to make the public know more about the obligation to pay zakat, give infaq, or shadaqah at the National Amil Zakat Agency. This was field research. The findings of this research were that the Rumah Zakat raises funds directly starting from the members of the Rumah Zakat itself, inviting several communities and donors who come to the Rumah Zakat to give their funds, while indirectly it was carried out through social media. In the activities of distributing zakat, alms, infaq and waqf, Rumah Zakat Kediri had consumptive and productive programs. Rumah Zakat’s performance in optimizing the distribution of ziswaf funds to mustahik was carried out through the Empowered Village program and other programs.