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All Journal E-Bisnis : Jurnal Ilmiah Ekonomi dan Bisnis Ihtiyath : Jurnal Manajemen Keuangan Syariah Iqtishaduna : Jurnal Ilmiah Mahasiswa Hukum Ekonomi Syariah EKSYA: Jurnal Ekonomi Syariah Jurnal Riset Manajemen dan Akuntansi (JURIMA) Jurnal Ilmiah Manajemen, Ekonomi dan Akuntansi Dinamika ARZUSIN: Jurnal Manajemen dan Pendidikan Dasar Jurnal Manajemen dan Bisnis Journal of Student Research Jurnal Publikasi Ilmu Manajemen Jurnal Manajemen Keuangan Syariah Jurnal Riset Manajemen dan Ekonomi Sammajiva: Jurnal Penelitian Bisnis dan Manajemen Journal of Management and Social Sciences Jurnal Kajian Dan Penalaran Ilmu Manajemen Lokawati: Jurnal Penelitian Manajemen dan Inovasi Riset Jurnal Nuansa: Publikasi Ilmu Manajemen dan Ekonomi Syariah Jurnal Ilmiah Research Student Jurnal Penelitian Ilmu Ekonomi dan Keuangan Syariah Maslahah: Jurnal Manajemen dan Ekonomi Syariah Jurnal Pajak dan Analisis Ekonomi Syariah CITACONOMIA : Economic and Business Studies
Agustina Mutia
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Religion Arts Humanities Computer Science & IT Decision Sciences, Operations Research & Management Economics, Econometrics & Finance Education Law, Crime, Criminology & Criminal Justice Mathematics Medicine & Pharmacology Public Health Social Sciences Other

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PENGARUH FINANCIAL TECHNOLOGY SYARIAH PEER TO PEER LENDING DAN PAYMENT GATEWAY TERHADAP TINGKAT KINERJA UMKM KOTA JAMBI Sherly Pricilia; Agustina Mutia
Iqtishaduna: Jurnal Ilmiah Mahasiswa Hukum Ekonomi Syariah Vol 7 No 2 (2026): Januari
Publisher : Jurusan Hukum Ekonomi Syariah Fakultas Syariah dan Hukum Uin Alauddin Makassar

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.24252/iqtishaduna.v7i2.63737

Abstract

Abstrak Tujuan penelitian ini untuk mengetahui pengaruh fintech syariah peer to peer lending terhadap tingkat kinerja UMKM di Kota Jambi dan mengetahui pengaruh payment gateway terhadap tingkat kinerja UMKM di Kota Jambi. Metode yang digunakan adalah kuantitatif dengan data primer yakni penyebaran kuisioner kepada 100 responden. Dalam menghitung dan menganalisis data, peneliti memanfaatkan program Smart-Pls 4.0 dengan pendekatan Partial Least Square-Structural Equation Modeling (PLS-SEM). Hasil penelitian ini menunjukkan bahwa fintech syariah peer to peer lending berpengaruh positif dan signifikan terhadap tingkat kinerja UMKM di Kota Jambi karena dapat membantu pelaku UMKM dalam mendapatkan permodalan untuk menigkatkan usahanya. Payment gateway juga berpengaruh positif dan signifikan terhadap tingkat kinerja UMKM di Kota Jambi, keberadaan payment gateway akan membantu dan mempermudah dalam melakukan transaksi selama penjualan. Hasil perhitungan R-square menunjukkan bahwa 66,9% variabel kinerja UMKM dipengaruhi oleh fintech syariah peer to peer lending dan payment gateway. Sedangkan 33,1% dipengaruhi oleh faktor atau variabel lainnya. Kata kunci: Fintech Syariah, Peer to Peer Lending, Payment gateway, Kinerja UMKM.   Abstract The purpose of this study is to determine the effect of sharia peer-to-peer lending fintech on the performance level of MSMEs in Jambi City and to determine the effect of payment gateways on the performance level of MSMEs in Jambi City. The method used is quantitative with primary data, namely the distribution of questionnaires to 100 respondents. In calculating and analyzing the data, the researcher utilized the Smart-PLS 4.0 program with a Partial Least Squares-Structural Equation Modeling (PLS-SEM) approach. The results of this study indicate that Islamic fintech peer-to-peer lending has a positive and significant impact on the performance level of SMEs in Jambi City, as it helps SME operators obtain capital to enhance their businesses. Payment gateways also have a positive and significant impact on the performance level of SMEs in Jambi City, as the presence of payment gateways facilitates and simplifies transactions during sales. The R-square calculation results indicate that 66.9% of SME performance variables are influenced by Islamic fintech peer-to-peer lending and payment gateways, while 33.1% are influenced by other factors or variables. Keywords: Sharia Fintech, Peer to Peer Lending, Payment Gateway, SME Performance.
Pengaruh Literasi Keuangan dan Perilaku Keuangan terhadap Pengelolaan Keuangan Ibu Rumah Tangga di Desa Sido Mulyo Kabupaten Tebo Latifah Oktanavia; Agustina Mutia
MANABIS: Jurnal Manajemen dan Bisnis Vol. 4 No. 4 (2025): Desember 2025
Publisher : Yayasan Pendidikan Penelitian Pengabdian Algero

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.54259/manabis.v4i4.6233

Abstract

This study aims to determine the influence of financial literacy and financial behavior on the financial management of housewives in Sido Mulyo Village, Tebo Regency. The phenomenon shows that many housewives experience difficulties in managing family finances due to a lack of financial understanding and uncertain income. This study used a quantitative approach with a survey method, involving 91 housewives as a sample. Data were collected through questionnaires and analyzed using multiple linear regression techniques with the help of the SmartPLS 4.0 application. The results showed that financial literacy partially had a positive and significant effect on financial management. However, financial behavior did not have a significant effect on housewives' financial management. The conclusion of this study is that the higher the level of financial literacy and financial behavior of housewives, the better their financial management will be. Therefore, increasing financial education and awareness is essential so that housewives can manage family finances more effectively and sustainably.
Pengaruh Literasi Keuangan Syariah, Religiusitas Dan Literasi Digital Terhadap Keputusan Mahasiswa Menabung Pada Bank Syariah (Study Pada Mahasiswa FEB UIN Jambi) Susi Ulandari; Agustina Mutia; Mutmainnah
CITACONOMIA : Economic and Business Studies Vol. 5 No. 02 (2026): April - Juni
Publisher : CITACONOMIA

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.63922/citaconomia.v5i02.3223

Abstract

Penelitian ini bertujuan untuk menganalisis pengaruh literasi keuangan syariah, religiusitas, dan literasi digital terhadap keputusan mahasiswa menabung pada bank syariah. Penelitian ini menggunakan metode kuantitatif dengan pendekatan survei terhadap 94 mahasiswa Fakultas Ekonomi dan Bisnis Islam Universitas Islam Negeri Sultan Thaha Saifuddin Jambi angkatan 2022–2024 yang dipilih menggunakan teknik stratified sampling. Data dikumpulkan melalui kuesioner dan dianalisis menggunakan program Statistical Package for the Social Sciences (SPSS) dengan analisis regresi linier berganda. Hasil penelitian menunjukkan bahwa literasi keuangan syariah berpengaruh positif dan signifikan terhadap keputusan mahasiswa menabung di bank syariah. Sementara itu, religiusitas tidak berpengaruh signifikan terhadap keputusan menabung. Literasi digital berpengaruh positif dan signifikan terhadap keputusan mahasiswa menabung di bank syariah. Namun secara simultan literasi keuangan syariah, religiusitas, dan literasi digital bersama-sama berpengaruh signifikan terhadap keputusan mahasiswa menabung di bank syariah. Temuan ini menunjukkan bahwa pemahaman keuangan syariah dan kemampuan memanfaatkan teknologi digital menjadi faktor penting dalam mendorong mahasiswa untuk menabung di bank syariah.
Pengaruh Pendapatan dan Tingkat Pendidikan terhadap Konsumsi Rumah Tangga Provinsi Jambi Periode 2019-2023 Nur Ismi Nabila; Agustina Mutia; Sri Rahma
ARZUSIN Vol 5 No 6 (2025): DESEMBER
Publisher : Lembaga Yasin AlSys

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.58578/arzusin.v5i6.8586

Abstract

Although household consumption has long been a central focus in economic studies, research that specifically examines the influence of income and education level on household consumption in Jambi Province using recent panel data remains relatively limited. This study aimed to analyze the effect of income and education level on household consumption in Jambi Province during the 2019–2023 period, both partially and simultaneously. A quantitative approach with a panel data design was employed, using secondary data from the Jambi Province Central Bureau of Statistics (Badan Pusat Statistik/BPS) and BPS of regencies/cities in Jambi Province for the 2019–2023 period. The data were analyzed using descriptive statistics and panel data regression, including model selection through the Chow test, Hausman test, and Lagrange Multiplier test, as well as hypothesis testing using the t-test and F-test with the assistance of EViews 12 software. The findings indicated that, partially, income had a positive and significant effect on household consumption in Jambi Province, and education level likewise had a positive and significant effect on household consumption. Simultaneously, income and education level had a significant effect on household consumption in Jambi Province during the 2019–2023 period. These results affirm that income and education level are important factors in promoting higher household consumption and should be prioritized in the formulation of policies aimed at improving societal welfare. The implications of this study provide input for local governments in designing policies oriented toward strengthening income and expanding access to education to enhance household welfare.
Pengaruh Kualitas Produk, Harga dan Kualitas Pelayanan terhadap Kepuasan Konsumen (Studi pada Warung Lindekss Kota Jambi) Yuwita Rapita Sari; Agustina Mutia; Rabiyatul Alawiyah
ARZUSIN Vol 6 No 1 (2026): FEBRUARI
Publisher : Lembaga Yasin AlSys

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.58578/arzusin.v6i1.8944

Abstract

The rapid development of the culinary industry and the increasing share of household expenditure on food consumption have intensified competition among business actors, making customer satisfaction a key factor in ensuring business sustainability. However, studies that specifically examine the influence of product quality, price, and service quality on customer satisfaction in local micro-scale culinary enterprises remain relatively limited, particularly in the context of Warung Lindekss in Jambi City. This study aimed to analyze the effect of product quality, price, and service quality on customer satisfaction at Warung Lindekss Jambi City. A quantitative approach with a survey design was employed, involving 96 respondents selected using a simple random sampling technique. Data were collected through a structured questionnaire and analyzed using multiple linear regression with the aid of EViews software. The results showed that product quality and service quality had a positive and significant effect on customer satisfaction, whereas price did not have a significant effect. Simultaneously, product quality, price, and service quality had a significant effect on customer satisfaction. These findings reinforce the concept of customer satisfaction in marketing theory, which emphasizes product and service quality as the main determinants of satisfaction, while also providing practical implications for micro-scale culinary business owners to optimize product and service quality in order to enhance customer satisfaction and loyalty, as well as opening avenues for further research through an expanded scope and the inclusion of additional variables related to customer satisfaction.
Pengaruh Tingkat Pengangguran dan Zakat terhadap Pertumbuhan Ekonomi pada Negara ASEAN Tahun 2014–2023 Fitri Rahmadhani; Agustina Mutia; Sri Rahma
ARZUSIN Vol 6 No 1 (2026): FEBRUARI
Publisher : Lembaga Yasin AlSys

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.58578/arzusin.v6i1.9183

Abstract

Economic growth, as a long-term process characterized by rising per capita income and structural transformation, requires an optimal resource management system, yet remains challenged by unstable growth, unemployment, inflation, and global recessionary pressures in 2023. This study aims to analyze the effects of unemployment and zakat on economic growth in three ASEAN countries (Indonesia, Malaysia, and Singapore), which were purposively selected based on their relatively more established zakat management regulations. A quantitative approach was employed using panel data regression analysis on secondary data for the 2014–2023 period. The results show that, individually, the unemployment rate has a negative but statistically insignificant effect on economic growth, whereas zakat has a negative and statistically significant effect on economic growth. Jointly, both variables significantly affect economic growth in the three ASEAN countries under study. These findings indicate that, within the context of this research, the level of unemployment has not yet been sufficiently large to exert a significant influence on growth, while zakat has a statistically meaningful impact. Therefore, optimal and efficient zakat management has the potential to serve as an important instrument for promoting economic development, reducing inequality, and improving societal welfare.
Co-Authors A. Tarmizi AA Sudharmawan, AA Achyat Budianto Adinda Kirana Agusriandi, Agusriandi Ahmad Syahrizal Ahmad Syukron Prasaja Ambok Pangiuk Arsa Arsa Awal Habibah Baso Agus Salim Dandi Palaguna Darni Krisnawati Lase Dewi Fitriyana Dhafi Ammar Junaidi Elza Berta Salsabila Emi Eriyani Eri Nofriza Erwin Saputra Siregar Fauzan Ramli Ferry Saputra Tanjung Fika Nadila Fitri Rahmadhani G.W.I. Awal Habibah Habriyanto Habriyanto Hansen Rusliani Khairiyani Kurnia Sari Rahma Kurnia Sari, Rifka Lady Ragia Alfa Latifah Oktanavia Lidya Anggraeni M. Nazori M.Firmansyah Meisha Nabilla Putri Melita Yuniza Mistiani Mistiani Mohammad Orinaldi Mohd Jaker Muhamaad Rizki Muhammad Irham Muhammad Ismail MUHAMMAD SUBHAN Mutmainnah Nazori Majid Neneng Sudharyati Nur Ismi Nabila Nuri Auliya Nurvaizah Nurvaizah Priska Yunita Putriana, Marissa Rabiyatul Alawiyah Refky Fielnanda Resi Sutriani Retno Bulan Salsabilah Rezky Maulana Akbar Rika Hubbina Rohana Rohana Saprianto Saprianto Sherly Pricilia Siraj Aiqan Zhorifi Solichah Sri Rahma Sucika Safitri Sucipto Sucipto Sucipto Susi Ulandari Syahril Ahmad Tuty Alawiyah Via Ullya Syafitri Victor Diwantara Wati, Siti Sahara Yuwita Rapita Sari