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All Journal Jurnal Ilmiah Al-Tsarwah eCo-Fin AT-TIJARAH: Journal Islamic Banking and Finance Research MAXIMAL Jurnal Ekonomi, Manajemen, Akuntansi
Otong Karyono
Institut Agama Islam Negeri (IAIN) Bone
Agriculture, Biological Sciences & Forestry Humanities Biochemistry, Genetics & Molecular Biology Computer Science & IT Economics, Econometrics & Finance Social Sciences

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Analisis SWOT dalam Pengembangan Strategi Pemasaran Pada Usaha Outdoor Tools Store (OTS) di Watampone Arisman Jaya; Irmayani; Anis; Otong Karyono
Maksimal Jurnal : Jurnal Ilmiah Bidang Sosial, Ekonomi, Budaya, Teknologi, Dan Pendidikan Vol 1 No 3 (2024): Februari
Publisher : Maximal Journal : Jurnal Ilmiah Bidang Sosial, Ekonomi, Budaya dan Pendidikan

Show Abstract | Download Original | Original Source | Check in Google Scholar

Abstract

The recent increase in tourism trends has become an opportunity for business people to take advantage of this. This is marked by the emergence of various shops selling and renting outdoor equipment and equipment and among the many outdoor equipment shops that are growing and developing is the Outdoor Tools Store in Watampone. Therefore, the aim of this research is to carry out a SWOT analysis in developing marketing strategies for this business. This research is a type of qualitative research. So the research data in the research is qualitative data. Data collection was carried out using interviews, documentation and observation. The research results show that in developing a marketing strategy for the Outdoor Tools Store (OTS), it is necessary to offer equipment at affordable prices amidst market competition, provide optimal service for all customer needs, provide a comfortable shopping and rental experience to customers, and utilize stock monitoring technology to respond rapid changes in demand in the market.
Pengaruh Kredit Usaha Rakyat (KUR) Syariah terhadap Pendapatan Usaha Peternakan Sapi di Kecamatan Mare Reskianti; Muh. Arafah; Otong Karyono
eCo-Fin Vol. 7 No. 2 (2025): eCo-Fin
Publisher : Komunitas Dosen Indonesia

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.32877/ef.v7i2.2166

Abstract

Kredit Usaha Rakyat (KUR) berperan dalam meningkatkan pendapatan usaha peternakan sapi di Kecamatan Mare, dengan melihat manfaatnya dalam memberikan akses modal, meningkatkan skala usaha, adopsi teknologi, serta efisiensi produksi. Namun, terdapat kendala seperti kurangnya informasi mengenai KUR dan risiko kemampuan peternak dalam membayar pinjaman, yang dapat mempengaruhi efektivitas KUR dalam meningkatkan pendapatan peternak. Populasi adalah peternak sapi di Kecamatan Mare Kabupaten Bone, sampel diambil 33 orang responden dengan teknik random sampling, sampel dipilih secara acak sederhana. Penelitian ini menggunakan data primer yang diperoleh langsung dari objek penelitian melalui jawaban responden dalam pengisian kuesioner. Alat yang digunakan untuk menganalisis data adalah IBM SPSS Statistics 24. Hasil Penelitian mengungkapkan bahwa KUR syariah efektif meningkatkan pendapatan peternak sapi, dengan mayoritas responden (87,1%) memberikan tanggapan positif. Responden muda (20-25 tahun) lebih terbuka terhadap inovasi dan KUR syariah, mempercepat pengembangan usaha mereka. Namun, masih ada kekhawatiran risiko kredit (5,54%), yang menekankan perlunya penyuluhan, fleksibilitas pembayaran, dan perluasan aksesibilitas ke daerah terpencil. Penelitian ini menegaskan pentingnya KUR syariah dalam mendukung stabilitas ekonomi peternak.
Perilaku Investasi Saham Syariah Generasi Milenial Di Era 5.0 Ardiansyah Ardiansyah; Aksi Hamzah; Otong Karyono
Jurnal Ilmiah Al-Tsarwah Vol. 7 No. 1 (2024)
Publisher : Institut Agama Islam Negeri (IAIN) Bone

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.30863/al-tsarwah.v7i1.6423

Abstract

ABSTRACTThe aim of this research is to analyze the influence of each variable, namely attitudes, subjective norms, perceived behavioral control, and Islamic financial management behavior on investment behavior, the influence of each variable, namely attitude, subjective norms, and perceived behavioral control on financial management behavior. Islamic, the influence of each variable, namely attitudes, subjective norms, and perceived behavioral control on investment behavior through the mediation of Islamic financial management behavior. This type of research is quantitative research for the methodological aspect and a sharia economic approach for the scientific aspect. Data collection methods use questionnaires and interviews. The population in this study was the millennial generation in South Sulawesi using a sample of 180 respondents. These data were tested using the Structural Equation Modeling (SEM) technique with the help of the SmartPLS Version 4 analysis tool. The research results showed that attitudes, subjective norms and perceived behavioral control each had no effect on investment behavior. Islamic financial management behavior has a positive and significant effect on investment behavior. Attitudes and subjective norms each have a positive and significant effect on Islamic financial management behavior, while perceived behavioral control has no effect. Attitudes and subjective norms each influence investment behavior through the mediation of Islamic financial management behavior, while perceived behavioral control has no effect. This research has the implication that seminars on sharia finance must be carried out more actively and investment galleries and stock communities in each city/district need to be formed so that the opportunity to increase the number of sharia stock investors will be greater. Keywords: Attitude, Subjective Norms, Behavioral Control, Investment Financial Management.
Kepatuhan Terhadap Penerapan PSAK 101 Dalam Penyajian Laporan Keuangan PT Bank Syariah Indonesia Tbk (Studi Pada Bank Syariah Indonesia Cabang Bone) Maharani Maharani; Otong Karyono; Musrini Muis
EKOMA : Jurnal Ekonomi, Manajemen, Akuntansi Vol. 5 No. 5: Juli 2026
Publisher : CV. Ulil Albab Corp

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.56799/ekoma.v5i5.18111

Abstract

Penelitian ini bertujuan menganalisis kepatuhan PT Bank Syariah Indonesia Tbk Cabang Bone dalam menerapkan PSAK 101 terkait penyajian laporan keuangan syariah, mengidentifikasi kendala yang muncul, serta menelaah upaya menjaga kesesuaiannya dengan standa. Permasalahan utama penelitian ini adalah sejauh mana implementasi PSAK 101 dijalankan secara substantif di tingkat cabang dalam sistem pelaporan yang terpusat. Penelitian menggunakan pendekatan kualitatif deskriptif dengan teknik pengumpulan data melalui wawancara, observasi dan dokumentasi. Data dianalisis melalui proses reduksi, penyajian dan penarikan kesimpulan secara sistematis. Hasil penelitian menunjukkan bahwa penerapan PSAK 101 di Cabang Bone telah sesuai dengan ketentuan standar, baik secara formal maupun substansial. Komponen laporan keuangan telah memenuhi persyaratan, meskipun penyusunan akhir dilakukan oleh kantor pusat. Tidak ditemukan hambatan berarti karena sistem pelaporan telah terstandarisasi dan didukung pengawasan internal serta Dewan Pengawas Syariah. Penelitian ini menyimpulkan bahwa tingkat kepatuhan cabang terhadap PSAK 101 tergolong baik dan ditunjang oleh sistem pengendalian yang terintegritas. Secara teoritis, temuan ini memperkuat konsep kepatuhan dan akuntabilitas syariah, sedangkan secara praktis merekomendasikan peningkatan kapasitas sumber daya manusia dan evaluasi berkelanjutan guna menjaga kualitas pelaporan keuangan syariah.
The Effects of Gold Price Increases and Perceptions of Gold as a Safe-Haven Asset on Generation Z’s Interest in Gold Investment: Empirical Evidence from Bone Regency Nurtasyani Yusni; Andi Fauziah M; Asni Gusmiarni; Otong Karyono
AT-TIJARAH: Jurnal Penelitian Keuangan dan Perbankan Syariah Vol. 8 No. 1 (2026): AT-TIJARAH: Jurnal Penelitian dan Keuangan Syariah
Publisher : Fakultas Ekonomi dan Bisnis Islam - IAIN Lhokseumawe

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.52490/at-tijarah.v8i1.7996

Abstract

Generation Z’s increasing interest to iinvest in gold has not been accompanied by a clear understanding of the factors influencing their investment intention. Rising gold prices and perceptions of gold as a safe-haven asset are presumed to influence investment interest; however, the effects of these factors require further empirical investigation. This study aims to examine the effects of gold price increases and perceptions of gold as a safe-haven asset on Generation Z’s intention to invest in gold. A quantitative approach with survey design was employed. Data was collected through questionnaires administered to 35 Generation Z respondents and analyzed using multiple linear regression with IBM SPSS. The results indicate that gold price increases do not have a statistically significant effect on gold investment intention, whereas perceptions of gold as a safe-haven asset have a positive and statistically significant effect. Simultaneously, gold price increases and perceptions of gold as a safe-haven asset have a statistically significant effect on gold investment interest. These findings indicate that Generation Z’s perception of gold as a safe-haven asset is a more influential factor in shaping investment interest than rising gold prices. Theoretically, this study provides empirical support for the Theory of Planned Behavior and Safe Haven Theory by demonstrating that perceptions of gold’s function as a safe-haven asset play a stronger role in shaping investment interest than price-related factors. Practically, the findings provide valuable insights for financial institutions, investment practitioners, and policymakers in designing financial education and literacy strategies that emphasize gold’s role as a safe-haven asset and store of value, thereby potentially encouraging greater interest to invest in gold among Generation Z.
Co-Authors Aksi Hamzah Andi Fauziah M Anis ARDIANSYAH ARDIANSYAH Arisman Jaya Asni Gusmiarni Irmayani Maharani Maharani Muh. Arafah Musrini Muis Nurtasyani Yusni Reskianti