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All Journal AT-TURAS: Jurnal Studi Keislaman QISTINA: Jurnal Multidisiplin Indonesia Journal of Student Research Jurnal Ilmiah Ekonomi dan Manajemen Journal of Shariah Economics
Eri Nofriza
Universitas Islam Negeri Sulthan Thaha Saifuddin Jambi
Religion Arts Humanities Computer Science & IT Economics, Econometrics & Finance Education Languange, Linguistic, Communication & Media Law, Crime, Criminology & Criminal Justice Nursing Public Health Social Sciences Other

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Faktor-Faktor Yang Mempengaruhi Keputusan Nasabah Memilih Asuransi Syariah (Studi Pada Nasabah PT. Asuransi Jasa Raharja Putera Cabang Jambi) Sissah; Eri Nofriza; Sabita Az-zahra
Journal of Student Research Vol 1 No 5 (2023): September: Journal of Student Research
Publisher : Sekolah Tinggi Ilmu Ekonomi Trianandra

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.55606/jsr.v1i5.1767

Abstract

Pada hakikatnya, manusia juga dihadapkan dengan beragam resiko kecelakaan, mulai dari kecelakaan transportasi udara hingga angkutan, ditambah lagi kecelakaan kerja, kebakaran, hingga kematian. Asuransi merupakan sesuatu yang sudah tidak asing lagi bagi masyarakat Indonesia, di mana sebagian besar masyarakat Indonesia sudah melakukan perjanjian dengan perusahaan asuransi, baik perusahaan asuransi milik negara maupun milik swasta nasional. Keberhasilan suatu perusahaan asuransi sangat dipengaruhi oleh bagaimana perusahaan membuat nasabah untuk memutuskan memilih perusahaannya dengan memberikan pelayanan kepada nasabah yang hendaknya diarahkan kepada pelayanan yang berkesinambungan. Keputusan nasabah dalam memilih, meliputi faktor produk, kualitas pelayanan dan besaran premi. Penelitian ini bertujuan untuk mengetahui dan menganalisis pengaruh produk, besaran premi, dan kualitas pelayanan terhadap keputusan nasabah dalam memilih asuransi Jasa Raharja Putera Cabang Jambi. Metode penelitian yang digunakan yaitu kuantitatif deskriptif. Sampel yang diambil sebanyak 100 responden dengan teknik random sampling. Hasil penelitian menunjukkan bahwa produk, besaran premi, dan kualitas pelayanan berpengaruh positif dan signifikan terhadap keputusan nasabah memilih asuransi Jasa Raharja Putera Cabang Jambi. Berdasarkan analisis data dalam penelitian ini variabel-variabel tersebut valid dan reliabel.
TRANSFORMASI DIGITAL IWA-QU DALAM MENDUKUNG KETERCAPAIAN SUSTAINABLE DEVELOPMENT GOALS (SDG’s) PERSPEKTIF EKONOMI ISLAM Rekha Afiah; Agustina Mutia; Eri Nofriza
JURNAL ILMIAH EKONOMI DAN MANAJEMEN Vol. 2 No. 1 (2024): Januari
Publisher : CV. KAMPUS AKADEMIK PUBLISING

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.61722/jiem.v2i1.929

Abstract

Sustainable Development Goals (SDG's) or what is known as environmentally friendly sustainable development created by the United Nations. An important role in achieving sustainable development goals or achieving sustainable goals can be at the forefront of achieving the SDG's economic pillars by creating jobs, providing decent working conditions, engaging in business innovation, and contributing to the economic, social and environmental impacts of business operations . In SDG's digital transformation, only two goals are used, namely goal 09 and goal 17, in Iwa-Qu's efforts to use digital marketing to maintain and create sustainable Iwa-qu products. This research aims to find out how digital transformation at Iwa-QU supports the achievement of sustainable development goals (SDG's) as well as digital marketing from an Islamic economic perspective. This research uses qualitative methods by checking the validity of the data using triangulation techniques. The results of the research show that digital transformation in achieving Sustainable Development Goals in Iwa-Qu businesses is seen from the aspect that there is still a lack of partnerships to reach global, and there are still obstacles to human resources.
Pengaruh Digital Marketing, Brand Image dan Labelisasi Halal Terhadap Keputuasan Pembelian pada Usaha Adila Snack di Kota Jambi Galih Adi Nugroho; Habriyanto Habriyanto; Eri Nofriza
QISTINA: Jurnal Multidisiplin Indonesia Vol. 5 No. 1 (2026): June 2026
Publisher : CV. Rayyan Dwi Bharata

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.57235/qistina.v5i1.8126

Abstract

Penelitian ini bertujuan untuk mengetahui pengaruh digital marketing, brand image dan labelisasi halal terhadap keputusan pembelian konsumen pada usaha Adila Snack di Kota Jambi. Penelitian ini menggunakan metode kuantitatif dengan 96 responden melalui teknik purposive sampling, kemudian dianalisis menggunakan regresi linier berganda. Hasil penelitian menunjukkan bahwa digital marketing berpengaruh secara positif terhadap keputusan pembelian konsumen, brand image berpengaruh secara positif terhadap keputusan pembelian konsumen dan labelisasi halal berpengaruh secara positif terhadap keputusan pembelian konsumen pada usaha Adila Snack di Kota Jambi. Berdasarkan koefisien determinasi mengindifikasikan bahwa marketing, brand image dan labelisasi halal dapat mempengaruhi konsumen pada usaha Adila Snack di Kota Jambi sebesar 80,5%.
Frugal Living in Islamic Finance: How QRIS Supports Ethical Spending? Refky Fielnanda; Pujiono Pujiono; Iwan Hermawan; Irma Novida; Istiyanti Istiyanti; Eri Nofriza
JURNAL AT-TURAS Vol 12, No 1 (2025)
Publisher : Universitas Nurul Jadid

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.33650/at-turas.v12i1.10076

Abstract

Frugal living, or a frugal lifestyle, embodies a concept that coincides with Islamic financial principles, emphasising equilibrium, sustainability, and the avoidance of excessive consumerism. The concept of frugal living has gained increasing relevance in modern economic discourse, particularly in response to financial instability, environmental concerns, and the need for responsible resource management. In the digital age, the payment system utilising the Quick Response Code Indonesian Standard (QRIS) has gained prominence as a tool for facilitating more efficient and transparent financial transactions.  This study examines how the use of QRIS within the Islamic financial framework can enhance ethical consumption practices aligned with the tenets of frugal living.  This research, employing a qualitative methodology through literature analysis, determined that QRIS effectively diminishes cash utilisation, which may foster impulsive spending, enhances precise financial documentation, and reinforces Sharia financial principles such as justice, transparency, and sustainability.  This approach promotes more inclusive and efficient transactions, aligning with the maqashid shariah objectives of preserving individual and societal welfare.  This research suggests that the digitalisation of Islamic finance via QRIS can serve as a strategic tool for fostering more ethical and responsible consumer practices.
Pengaruh Profitabilitas, Likuiditas, Dan Leverage Terhadap Financial Distress Pada Perusahaan Sektor Transportasi Dan Logistik Yang Terdaftar Di Indeks Saham Syariah Indonesia (ISSI) Periode 2022-2025 Marwah Afra Amatullah; Agustina Mutia; Eri Nofriza
JOURNAL OF SHARIA ECONOMICS Vol 6 No 1 (2024): 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.v6i1.1410

Abstract

The transportation and logistics sector faces financial pressures following the COVID-19 pandemic, increasing the risk of financial distress, particularly for Sharia-compliant issuers listed on the Indonesian Sharia Stock Index (ISSI). This study aims to analyze the partial and simultaneous effects of profitability, liquidity, and leverage on financial distress in transportation and logistics companies listed on the ISSI for the 2022–2025 period. The study employed a quantitative approach with a purposive sampling technique, resulting in a sample of 13 companies with a total of 52 panel data observations. Profitability was proxied by Return on Assets (ROA), liquidity by Current Ratio (CR), and leverage by Debt to Asset Ratio (DAR), while financial distress was measured using the Altman Z-Score. Data were analyzed using panel data regression using the Common Effect Model (CEM) with the help of EViews 12. The results showed that liquidity had a positive and significant effect on financial distress, while profitability and leverage had no significant effect partially. Simultaneously, all three variables significantly influenced financial distress, with an Adjusted R² value of 0.6253, meaning that 62.53% of the variation in financial distress can be explained by these three variables. This finding supports the Pecking Order Theory and indicates that liquidity management is a key factor in maintaining the financial stability of companies in the transportation and logistics sector.
Co-Authors Agustina Mutia Galih Adi Nugroho Habriyanto Habriyanto Istiyanti Istiyanti Iwan Hermawan Marwah Afra Amatullah Novida, Irma Pujiono Pujiono Refky Fielnanda Rekha Afiah Sabita Az-zahra Sissah Sri Rahayu Usdeldi