Article Per Year (5 Year)
p-Index From 2021 - 2026
0.444
P-Index
This Author published in this journals
All Journal Didaktik : Jurnal Ilmiah PGSD STKIP Subang Jurnal Manajemen Keuangan Syariah
Dessy Anggraini
UIN Sultan Thaha Saifuddin Jambi
Religion Decision Sciences, Operations Research & Management Economics, Econometrics & Finance Education Social Sciences

Published : 2 Documents Claim Missing Document
Claim Missing Document
Check
Articles

Found 2 Documents
Search

 1 
PELUANG DAN TANTANGAN AGEN ASURANSI DALAM MENINGKATKAN NASABAH ASURANSI SYARIAH (STUDI PADA PT. PRUDENTIAL SYARIAH CABANG JAMBI) Dessy Anggraini; Neneng Sudharyati
Manajemen Keuangan Syariah Vol. 3 No. 1 (2023): Journal of Islamic Financial Management
Publisher : Program Studi Manajemen Keuangan Syariah

Show Abstract | Download Original | Original Source | Check in Google Scholar | Full PDF (234.154 KB)

Abstract

This study aims to determine the opportunities and challenges of agents in marketing sharia insurance products at PT. Prudential Syariah Jambi Branch. This type of research is qualitative research. The data used is primary data obtained from the company PT. Prudential Syariah Jambi Branch. Population of 373 customers during 2013-2022. The analysis used is swot analysis, swot analysis is the systematic identification of various factors to formulate company strategy. Strengths, Weaknesses, Opportunities and Threats are the company's strategic factors that need to be analyzed in the current conditions. The research results used strengths (1.69), weaknesses (1.85), opportunities (1.82), and threats (1.65). So it can be concluded that opportunities and challenges have the same risk, so that the company PT. Prudential Syariah Jambi Branch must prepare the right strategy for agents in increasing customers and marketing sharia insurance products.
PERILAKU KONSUMSI GENERASI Z PENGGUNA PAYLATER DI KOTA JAMBI: TINJAUAN FAKTOR MOTIVASI DAN GAYA HIDUP Lara Andela Putri; Addiarrahman; Dessy Anggraini
Didaktik : Jurnal Ilmiah PGSD STKIP Subang Vol. 12 No. 02 (2026): Volume 12 No. 02, Juni 2026 Produce
Publisher : STKIP Subang

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.36989/didaktik.v12i02.15627

Abstract

The rapid development of digital technology and the increasing use of e-commerce have encouraged the emergence of Paylater services as a practical payment alternative. Generation Z is the most active group using this service due to transaction convenience, promotional offers, and the growth of digital lifestyles. This study aims to analyze the consumption behavior of Generation Z Paylater users in Jambi City from the perspective of motivation and lifestyle factors, as well as identify the characteristics of their consumption behavior. This study employed a qualitative descriptive approach. Data were collected through in-depth interviews, literature reviews, and documentation. Informants were selected using purposive sampling techniques consisting of Generation Z individuals actively using Paylater services. The findings reveal that Paylater usage is influenced by both utilitarian and hedonic motivations. Utilitarian motivation arises because Paylater helps users fulfill urgent needs and manage cash flow, while hedonic motivation is driven by instant gratification, social trends, and social media influence. The consumption behavior of Generation Z Paylater users is characterized by high transaction frequency, dominance of purchases in fashion, skincare, gadgets, and entertainment products, as well as dependence on promotions and cashback offers. From the perspective of Islamic economics, the use of Paylater has the potential to encourage excessive consumption behavior (israf) and raise concerns regarding elements of usury (riba) if not accompanied by adequate financial literacy.
Co-Authors Addiarrahman Lara Andela Putri Neneng Sudharyati