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All Journal Jurnal Economica: Media Komunikasi ISEI Riau Jurnal Bisnis Kompetitif IQTISHADUNA: Jurnal Ilmiah Ekonomi Kita Inovbiz : Jurnal Inovasi Bisnis
Wita Dwika Listihana
FEB Unilak
Decision Sciences, Operations Research & Management Economics, Econometrics & Finance Social Sciences

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PENGARUH SISTEM PEMBAYARAN TERHADAP PEMBELIAN IMPULSE DALAM LIVE STREAMING DI KOTA PEKANBARU Arizal N; Wita Dwika Listihana; Hafiza Fajrin
JURNAL ECONOMICA: Media Komunikasi ISEI Riau Vol. 12 No. 1 (2024)
Publisher : Ikatan Sarjana Ekonomi Indonesia Cabang Pekanbaru

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.46750/economica.v12i1.238

Abstract

Tujuan penelitian adalah untuk mengetahui pengaruh dari sitem pembayaran terhadap pembelian impulse pada live streaming. di Kota Pekanbaru. Metode penelitian adalah metode deskripti dan kuantitatif. Deskriptif yaitu dengan cara menarasikan dari hasil penelitian yang di perolehdari hasil angket. Sedangkan metode kuantitatif adalah untuk mengetahui pengaruh dri metode pembayaran terhadap pembelian. Populasi dalam penelitian ini adalah seluruh konsumen yang melakukan pembelian secara live streaming di kota Pekanbaru. Sampel penelitian adalah sebanyak 100 orang. Analisis data menggunkan tructural Equition Model (SEM) dengan soft ware Smart PLS. Teknik pengambilan data adalah dengan purposive sampling. Hasil penelitian menunjukkan bahwa variable metode pembayaran semua undikator mempunyai nilai rata-rata pada kategori sangatbs setuju, sedangkan pada variaabel impulse buying semua indicator mempunyai nilai rata-rata pada kategori setuju. Hasil penelitian juga menunjukkan bahwa metode pembayaran mempunyai pengaruh yang positif dan signifikan terhadap impulse buying. Kata kunci; Metode Pembayaran, Impulse buying dan live Streaming.
Determinants of Individuals’ Understanding of Riba in Islamic Financial Transactions Idel Waldelmi; Wita Dwika Listihana; Afvan Aquino; Novita Novita; Fatkhurahman Fatkhurahman
IQTISHADUNA: Jurnal Ilmiah Ekonomi Kita Vol 15 No 1 (2026): IQTISHADUNA: Jurnal Ilmiah Ekonomi Kita-June
Publisher : LPPM ISNJ Bengkalis

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.46367/iqtishaduna.v15i1.2874

Abstract

Purpose - This study aims to analyze the determinant factors influencing the level of knowledge of Riba in sharia financial transactions. Specifically, the research examines the roles of religion, access to information, living necessities, culture, and financial alternatives in shaping public understanding of Riba. Method - The study employs a quantitative descriptive approach using primary data collected through structured questionnaires distributed to 132 respondents in Pekanbaru City who have previously engaged in sharia financial transactions. Data were analyzed using multiple linear regression to identify the significance and direction of influence of each independent variable on Riba knowledge. Findings - This study confirms that religion, access to information, living necessities, culture, and financial alternatives collectively influence Riba knowledge, the specific results clarify their distinct roles. Religion acts as the dominant moral foundation, access to information strengthens cognitive understanding, culture shapes social norms, living necessities create economic pressure, and financial alternatives provide limited explanatory influence. These findings imply that improving religious education and information accessibility is crucial for strengthening public understanding of sharia-compliant finance. Implications - The finding contributes theoretically by enriching the literature on Islamic financial literacy and empirically by providing evidence from an urban Muslim community. Practically, the findings offer insights for policymakers, Islamic financial institutions, and educators to design more effective literacy and outreach programs to reduce dependence on Riba-based transactions.
PENGARUH HARGA, LOKASI DAN PROMOSI TERHADAP KEPUASAN PELANGGAN RITEL DI KOTA PEKANBARU Arizal N; Nofrizal Nofrizal; Wita Dwika Listihana; Hafiza Fajrin
Jurnal Ekonomi Bisnis Kompetif Vol 4 No 3 (2025): aktor Penentu Minat Pembelian, Kinerja Karyawan, dan Pengelolaan Hubungan Pelangg
Publisher : Komunitas Manajemen Kompetitif

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.35446/bisniskompetif.v4i3.2706

Abstract

Tujuan penelitian adalah untuk mengetahui bagaimana pengaruh dari variabel harga, lokasi, dan promosi terhadap kepuasan pelanggan ritel di Kota Pekanbaru. Objek penelitian adalah seluruh konsumen yang menjadi pelanggan ritel di Kota Pekanbaru. Populasi penelitian tidak terbatas, karena tidak dapat atau sulit untuk mengetahuinya. Maka jumlah sapel yang digunakan adalah 10 kali jumlah indikator menurut Hurt (2019). Jumlah sampel adalah 180 orang, dengan teknik sampel purpose sampling. Teknik analisis data menggunakan SmartPLS. Hasil penelitian menunjukkan bahwa semua variabel yang diteliti, baik variabel harga , lokasi, maupun promosi, mempunyai pengaruh yang positif dan signifikan terhadap kepuasan pelanggan ritel
Customer Perceptions Of Interest And Profit Margins In Financial Institutions Wita Dwika Listihana; Idel Waldelmi; Afvan Aquino
Inovbiz: Jurnal Inovasi Bisnis Vol 13 No 1 (2025)
Publisher : P3M Politeknik Negeri Bengkalis

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.35314/inovbiz.v13.i1.536

Abstract

This study aims to analyze customer perceptions of interest rates and profit margins in banking institutions, focusing on competitiveness, fairness, transparency, and their influence on decision-making. Using a quantitative approach, data were collected through surveys targeting bank customers who interact with both conventional and Islamic banking systems. The findings reveal significant differences in customer perceptions: Interest Rates: While perceived as competitive (average score: 3.05), interest rates are considered less fair (2.95–3.04) and less transparent (3.04). Customers associate interest rates with higher risks due to market fluctuations, which affects their trust and decision-making (3.20). Profit Margins: Islamic banking's profit margins outperform interest rates in competitiveness (3.14), fairness (3.12–3.28), and transparency (3.11). The fixed nature of profit margins offers stability and aligns with Sharia principles, leading to higher trust and influence in customer decisions (3.29). The study concludes that profit margins are perceived as more favorable due to their adherence to fairness and transparency principles, whereas interest rates are associated with risks and limited adaptability. Conventional banks need to improve transparency and fairness, while Islamic banks should focus on expanding accessibility and educating customers about Sharia-compliant mechanisms. The findings emphasize the growing preference for ethical and stable financial systems
Co-Authors Afvan Aquino Arizal N Arizal N Fatkhurahman Fatkhurahman Hafiza Fajrin Hafiza Fajrin Idel Waldelmi Nofrizal Nofrizal Novita Novita