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All Journal Jurnal Ilmiah Ekonomi Islam Academica : Journal of Multidisciplinary Studies
Wida Utami
Universitas Islam Negeri Raden Mas Said Surakarta
Economics, Econometrics & Finance Education Social Sciences Other

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Pengaruh Persepsi Risiko, Kepercayaan Dan Keamanan Terhadap Minat Menggunakan BSI (Bank Syariah Indonesia) Mobile Wida Utami; Ika Dina Rofika; Trisma Kamelia; Yulia Budiarti; Tasnim Mushlihah; Hanifah Aminin; Rizka Awaliya Nur Azizah; Niken Septiani
Academica : Journal of Multidisciplinary Studies Vol. 7 No. 1 (2023): January - June 2023
Publisher : Universitas Islam Negeri Raden Mas Said Surakarta

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.22515/academica.v7i1.7414

Abstract

This study aims to examine the interest in using BSI Mobile in terms of perception, trust, and security risks as independent variables. This research applies a quantitative method and involves 100 respondents using BSI Mobile. The research data was obtained by distributing questionnaires online. Processing research data using multiple linear regression analysis in SPSS 23. The results of the study prove that the perceived risk variable (X1) does not affect interest in using mobile BSI with a t-count value of 0.362 < t-table value of 1.984 and a significance value of 0.718 > 0.05. The trust variable (X2) does not affect interest in using BSI Mobile with a t-count value of 1.796 < t-table value of 1.984 and a significance value of 0.080 > 0.05. Security has a positive effect on interest in using BSI Mobile with a t-count value of 6.676 > t-table value of 1.984 and a significance value of 0.00 <0.05. The implication of this research states that security is a factor that greatly influences interest in using BSI Mobile.
Flexing dalam Pandangan Islamic Behavioral Finance Wida Utami; Agung Abdullah
Jurnal Ilmiah Ekonomi Islam Vol 9, No 3 (2023): JIEI : Vol.9, No.3, 2023
Publisher : ITB AAS INDONESIA Surakarta

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.29040/jiei.v9i3.9206

Abstract

Flexing or a narcissistic behavior by showing off the wealth its really happened a lot lately on social media. Flexing is an interesting topic of conversation among the public. Sometimes flexing is the behavior to made a perspectives done by fake rich people. This study is aims to determine the flexing behavioral on Islamic economics perspective. The method in this study is qualitative, with the analysis on a phenomenological approach. In this study it was found that flexing is prohibited in Islam Economic perspective. Flexing is done by fake rich people to show their existence or to gain recognition from others. People who are truly wealthy tend to exhibit good financial behavior and are able to live simply without spending too much money. In Islam, it is recommended to live a simple and balanced life and not to waste wealth in order to fulfill desires. Islam also encourages its people to prioritize saving rather than using their finances to fulfill desires rather than needs, such as being more concerned with saving, investing, or helping people who are experiencing difficulties by zakah, infaq and sedekah. Therefore, financial intelligence is very important for every individual in order to avoid the behavior of showing off wealth. Financial intelligence is related to knowledge, behavior in managing, using assets so that they become more blessed and do not violate sharia provisions.
Co-Authors Agung Abdullah Hanifah Aminin Ika Dina Rofika Niken Septiani Rizka Awaliya Nur Azizah Tasnim Mushlihah Trisma Kamelia Yulia Budiarti