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All Journal Islamic Business and Finance (IBF) Istismar : Jurnal Kajian dan Penelitian Ekonomi dan Bisnis Islam Islamic Economic and Business Journal Jurnal Ekonomi, Teknologi dan Bisnis Journal of Social Knowledge Education (JSKE) Jurnal Ekonomi, Manajemen, Bisnis dan Akuntansi Review
Ida Farida
Institut Agama Islam Negeri Bone
Religion Humanities Astronomy Economics, Econometrics & Finance Education Engineering Environmental Science Industrial & Manufacturing Engineering Mechanical Engineering Social Sciences Other

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Model Unified Theory of Acceptance and Use of Technology Terhadap Behavioral Intentions Dan Use Behavior Pengguna BSI Mobile Dwi Mutiara; Ida Farida; Fitriani Fitriani
ISLAMIC BUSINESS and FINANCE Vol 5, No 2 (2024): ISLAMIC BUSINESS and FINANCE
Publisher : Universitas Islam Negeri Sultan Syarif Kasim Riau

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.24014/ibf.v5i2.34958

Abstract

Penelitian ini bertujuan untuk menganalisis faktor-faktor yang memengaruhi penerimaan dan penggunaan aplikasi BSI Mobile oleh nasabah di Kabupaten Bone menggunakan model Unified Theory of Acceptance and Use of Technology (UTAUT). Data diperoleh dari 110 responden dan dianalisis dengan Partial Least Square (PLS). Hasil menunjukkan bahwa Performance Expectancy berpengaruh signifikan terhadap Behavioral Intention (koefisien 0.475, t-statistic 6.287, p-value 0.000) dan Use Behavior (koefisien 0.305, t-statistic 3.598, p-value 0.000). Effort Expectancy memengaruhi Behavioral Intention (koefisien 0.289, t-statistic 3.954, p-value 0.000), namun tidak signifikan terhadap Use Behavior secara langsung. Social Influence tidak signifikan terhadap Behavioral Intention (-0.029, t-statistic 0.303, p-value 0.762) maupun Use Behavior (0.033, t-statistic 0.344, p-value 0.731). Sebaliknya, Facilitating Conditions memiliki pengaruh signifikan terhadap Behavioral Intention (0.441, t-statistic 5.549, p-value 0.000) dan Use Behavior (0.364, t-statistic 3.741, p-value 0.000). Behavioral Intention berpengaruh signifikan terhadap Use Behavior (0.524, t-statistic 3.700, p-value 0.000) dan memediasi pengaruh variabel lain. Implikasi penelitian ini menyoroti pentingnya dukungan teknologi dan aksesibilitas dalam mendorong adopsi perbankan digital.
Implementation of Good Corporate Governance (GCG) in the Financial Management of Bumdes in Karella Village, Mare Subdistrict Asnatang; Ida Farida; Muhammad Ardi
Jurnal Ekonomi, Manajemen, Bisnis dan Akuntansi Review Vol. 5 No. 1 (2025): June
Publisher : Penerbit Jurnal Indonesia

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.53697/emba.v5i1.2405

Abstract

Penelitian ini bertujuan untuk mengkaji penerapan Good Corporate Governance (GCG) dalam pengelolaan keuangan Badan Usaha Milik Desa (BUMDes) di Desa Karella Kecamatan Mare. GCG diharapkan dapat meningkatkan transparansi, akuntabilitas, dan efektivitas dalam pengelolaan keuangan BUMDes yang pada akhirnya dapat memperkuat perekonomian desa dan meningkatkan kesejahteraan masyarakat. Penelitian ini mengidentifikasi berbagai prinsip GCG yang diterapkan, seperti keterbukaan informasi, tanggung jawab manajemen. Metode yang digunakan dalam penelitian ini adalah studi kasus dengan pendekatan kualitatif, melalui wawancara dengan pengelola BUMDes, dan masyarakat setempat. Hasil penelitian ini menunjukkan bahwa meskipun sistem simpan pinjam pada BUMDes telah memberikan manfaat bagi masyarakat berupa kemudahan akses pinjaman, namun masih terdapat beberapa tantangan dalam hal manajemen risiko, pengawasan, dan tingkat pemahaman masyarakat terhadap produk keuangan yang ditawarkan. Selain itu, meskipun tingkat partisipasi masyarakat cukup tinggi, namun beberapa kendala terkait keterbatasan modal dan rendahnya tingkat pengembalian pinjaman masih menjadi kendala dalam pengelolaan keuangan BUMDes. Penelitian ini menyimpulkan bahwa penerapan GCG pada BUMDes Karella dapat menjadi model yang efektif dalam meningkatkan kinerja keuangan BUMDes, namun memerlukan perbaikan berkelanjutan dalam hal sistem pelatihan dan pengawasan.
Examining The Influence Of Islamic Branding, Physical Evidence, And Relationship Quality On Customer Loyalty In The Context Of Bank Syariah Indonesia (BSI) Makassar Branch At Unismuh Achmad Riady; Ida Farida; Mutammimal Husna; Elvi Elvi
Jurnal Ekonomi Teknologi dan Bisnis (JETBIS) Vol. 3 No. 3 (2024): Jurnal Ekonomi, Teknologi dan Bisnis
Publisher : Al-Makki Publisher

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.57185/jetbis.v3i3.96

Abstract

This study aims to investigate the influence of certain factors on customer loyalty in using Bank Syariah Indonesia (BSI) KCP Makassar Unismuh products. The factors studied include Islamic branding, physical evidence, and relationship quality. The research was conducted from July to August 2023 using a descriptive quantitative approach. The data used in this study are primary data collected through the distribution of questionnaires, observation, and documentation. The sample of this study was selected by simple random sampling and consisted of 75 respondents. To analyze the data, this study used multiple linear regression and the SPSS version 20 application. The results showed that partially, Islamic branding has no significant effect on customer loyalty. However, physical evidence and relationship quality partially have a positive and significant influence on customer loyalty. Simultaneously, islamic branding, physical evidence, and relationship quality have a positive and significant effect on customer loyalty. The implications of this study indicate that factors such as Islamic branding, physical evidence, and relationship quality have a positive impact on customer loyalty in using BSI KCP Makassar Unismuh products. Although Islamic branding does not have a significant effect partially, other factors still make a good contribution to customer loyalty in using BSI products
Integrating Hikmah Values into Sustainable Housing Development: Evidence from Muslim Communities in Bone Regency, Indonesia Andi Lisa Aryani Hamjan; Sitti Nikmah Marzuki; Ida Farida
Journal of Social Knowledge Education (JSKE) Vol. 7 No. 4 (2026): July
Publisher : Cahaya Ilmu Cendekia Publisher

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.37251/jske.v7i4.3641

Abstract

Purpose of the study: This study examines how hikmah (Islamic wisdom) is implemented in housing property development among Muslim communities in Bone Regency, how sustainable housing development is realized in that context, and how hikmah strengthens community perceptions of sustainable housing. Methodology: A qualitative descriptive field research design was used. Ten purposively selected informants (residents, a developer, a housing-association representative, government officials, and an academic) were studied through semi-structured interviews, non-participatory observation, and documentation, analyzed with NVivo 12 using coding, data display, conclusion drawing, and source/technique triangulation. Main Findings: Hikmah operates at conceptual (economic, environmental, social, spiritual) and operational (institutional governance, area planning) levels. Sustainability experienced by residents is predominantly social and spiritual rather than ecological or financial, with places of worship acting as a centripetal force. Community perception strengthens through consistent realization of developers' promises rather than normative rhetoric, though a regulatory vacuum and conceptual-standardization gap persist. Novelty/Originality of this study: The study proposes a Hikmah-Based Property Development Model that integrates four dimensions of hikmah as a contemporary maqāṣid al-shariah framework applied to housing, extending the Brundtland sustainability definition and SDG 11 with a spiritual-community pillar not previously articulated in sustainable-housing literature.
ANALYSIS OF PUBLIC INTEREST PERCEPTIONS TOWARD GOLD INVESTMENT (A STUDY IN TANETE RIATTANG DISTRICT, BONE REGENCY) NURHASANAH; ABDULAHANAA; IDA FARIDA
Islamic Economic and Business Journal Vol. 8 No. 2 (2026): Islamic Economic and Business Journal
Publisher : Institut Agama Islam Negeri (IAIN) Bone

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.30863/iebjournal.v8i2.12334

Abstract

Abstract This study aims to analyze public perception of gold investment, identify factors that affect investment interest, and examine gold investment practices from an Islamic perspective in Tanete Riattang District, Bone Regency. The research uses a descriptive qualitative approach with a field study method. Data were collected through in-depth interviews and documentation of 15 selected informants using purposive sampling techniques, then analyzed with the Miles and Huberman model through data reduction, data presentation, and conclusion drawn. The results of the study show that the public views gold investment as a safe, stable, liquid, and able instrument to maintain the value of wealth. These perceptions are influenced by experience, social environment, family, and digital information. However, investment interest is still influenced by economic limitations and low financial literacy. From an Islamic perspective, gold investment is allowed as long as it meets sharia principles. This research provides an empirical contribution on the importance of Islamic financial literacy in shaping perceptions and encouraging interest in gold investment in the community.   Abstrak Penelitian ini bertujuan menganalisis persepsi masyarakat terhadap investasi emas, mengidentifikasi faktor-faktor yang memengaruhi minat investasi, serta mengkaji praktik investasi emas dalam perspektif Islam di Kecamatan Tanete Riattang, Kabupaten Bone. Penelitian menggunakan pendekatan kualitatif deskriptif dengan metode studi lapangan. Data dikumpulkan melalui wawancara mendalam dan dokumentasi terhadap 15 informan yang dipilih menggunakan teknik purposive sampling, kemudian dianalisis dengan model Miles dan Huberman melalui reduksi data, penyajian data, dan penarikan kesimpulan. Hasil penelitian menunjukkan bahwa masyarakat memandang investasi emas sebagai instrumen yang aman, stabil, likuid, dan mampu menjaga nilai kekayaan. Persepsi tersebut dipengaruhi oleh pengalaman, lingkungan sosial, keluarga, dan informasi digital. Namun, minat investasi masih dipengaruhi oleh keterbatasan ekonomi dan rendahnya literasi keuangan. Dalam perspektif Islam, investasi emas diperbolehkan selama memenuhi prinsip syariah. Penelitian ini memberikan kontribusi empiris mengenai pentingnya literasi keuangan syariah dalam membentuk persepsi dan mendorong minat investasi emas pada masyarakat.
PERAN PREFERENSI TERHADAP PEMBELIAN KOSMETIK HALAL PADA PLATFORM SHOPEE DI KALANGAN MUSLIM KABUPATEN BONE Windi Widyastuti; Ida Farida; Fitriani Fitriani
ISTISMAR Vol. 9 No. 1 (2026): Juni
Publisher : LPPM Universitas KH. A. Wahab Hasbullah

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.32764/crh5jn92

Abstract

Abstract : This study aims to determine the influence of product quality, dizcounts, price, and halal labeling on purchasing decisions for halal cosmetics on the shopee platform among Muslims in Bone Regency. This study used a quantitative approach with a survey method of 100 respondents selected using a simple random sampling technique. Data were analyzed using multiple linear regression with the help of SPSS V.26. The results showed that price and halal labeling significantly influenced purchasing decisions, while product quality and discounts did not. Simultaneously, product quality, discounts, price, and halal labeling significantly influenced purchasing decisions for halal cosmetics on the shopee platform. The coefficient of determination (R2) of 0,752 indicates that 75.25 of the variation in purchasing decisions can be explained by these four variables. 
Co-Authors Abdulahanaa Andi Lisa Aryani Hamjan Asnatang Dwi Mutiara Elvi Elvi Fitriani Fitriani Muhammad Ardi Mutammimal Husna NURHASANAH Riady, Achmad Sitti Nikmah Marzuki Windi Widyastuti