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Individual Cultural Values and Profit Expectations on Investment Intentions in Crypto Currency: Religiosity as a Moderating Variable Abadi, M. Kurnia Rahman; Hamdan, Hamdino Bin
BASKARA : Journal of Business and Entrepreneurship Vol 6, No 1 (2023): BASKARA: Journal of Business and Entrepreneurship
Publisher : Universitas Muhammadiyah Jakarta

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.54268/baskara.v6i1.18657

This study intends to investigate the effects of conscious and unconscious processes on crypocurrency investment intention. The impact of personal cultural values, profit expectations, and religiosity on intentions for hazardous investments was examined within this paradigm. Additionally, the mediating function of profit expectations in the association between a person's cultural values and religion for crypocurrency investment intents was also examined. Additionally, the topic of religion as a mediator of profit expectations and crypocurrency investing purpose was covered. When our graduate students willingly shared the online survey link on their social networks between February and July 2022, the data were gathered. In all, 446 people responded to the questionnaire in this manner. The AMOS programme was used to carry out structural equation modelling (SEM), which was used to test the research model.In addition to these, the effects of age, education level, sex, and marital status on individual cultural values and investment intentions were examined. The age group of 41 to 50 years old had the highest uncertainty avoidance level. People above the age of 41 had the highest level of long-term orientation. The 51-year-old age group had the least risky investing objectives. Age did not influence collectivism or power distance. The amount of schooling had no impact on any variations in the pertinent variables. Intention to take risks, power distance, masculinity, and collectivism are all greater in men than in women, and married people are more likely to avoid uncertainty and to identify as men than unmarried people. This study is the first to examine the combined effect of conscious and unconscious processes on cryptocurrency investing intentions. The authors have also offered evidence for the presence of a link between these three factors. On the other hand, the number of empirical studies examining the relationship between profit expectancy, religion, and investment intention in cryptocurrency is rather small.

Financing MSME Using Analysis of IFAS and EFAS Matrix: Case Study in Honey Pumpkin Business Hidayah, Islamiati; Abadi, M. Kurnia Rahman; Falach, Ghulam; Ismail, Moh
Al-Bayyinah Vol. 8 No. 1 (2024): Al-Bayyinah
Publisher : Faculty of Sharia and Islamic Law Institut Agama Islam Negeri Bone

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.30863/al-bayyinah.v8i1.4546

This study is aimed to find out how the Honey Pumpkin business development strategy is carried out by Honey Pumpkin Farmers in Banyusokah Village, Sampang Regency based on EFAS and IFAS Matrix. The method employed in this study is descriptive qualitative which is aims to describe, describe, record, and analyze existing and current conditions. The result of the study showed that Honey Pumpkin business in Banyoksah Village of Sampang Regency is able to implement the growth oriented strategy for developing its business. The suggested strategies are firstly, to distribute the products in the store at Sampang Regency and utilizing social media such as IG, whatsApp and so on for marketing. Secondly, diverging the processed product from honey pumpkin and turning customer into reseller. Thirdly, replacement of production technology used with more sophisticated and modern to increase the production effectively and efficiently. Lastly, opening several branch of store that owned by the company. Meanwhile, financing aspect regarding to growth oriented strategy several financing model could be useful. For example, working capital loan, digital marketing loan, business expansion loan, and equipment loans or leasing arrangement. Therefore, research and approach of financial institutions, banks, and alternative lenders is necessary to explore specific financing options that suit with growth strategies.

FAKTOR-FAKTOR YANG MEMPENGARUHI MINAT BELI KONSUMEN DI SHOPEE DAN TOKOPEDIA Imari, Iqbal; Abadi, M. Kurnia Rahman; Akbar, Muhammad Ridho
Adzkiya : Jurnal Hukum dan Ekonomi Syariah Vol 12 No 1 (2024): Jurnal Adzkiya: Jurnal Hukum dan Ekonomi Syariah
Publisher : Fakultas Ekonomi dan Bisnis Islam Institut Agama Islam Negeri Meto

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.32332/adzkiya.v12i1.8024

The phenomena of internet usage, which is anticipated to grow over time, presents a new economic potential for e-commerce. One of the businesses owned by Pondok Modern Gontor, situated in Ponorogo City, East Java, is La Tansa Gontor Book & Stationery Store which currently also using e-commerce. This study aims to investigate the factors that influence consumer purchase interest in e-commerce used by La Tansa. The Theory of Planned Behavior, popularized by Icek Ajzen, is the theory applied in this study. This hypothesis is predicated on three different variables: behavioral attitude, subjective norms, and perceived behavioral control. In this study, a descriptive survey method is combined with a quantitative approach. With a sample size of 358 participants, the population in this study consisted of the 3,416 followers in marketplace platform. Several linear regression tests were employed in this investigation. A total score of 31,038 indicated that the aspects of product price and quality were thought to be very influential. The product pricing component, one of the two variables included in the study, had the most significant impact on consumer purchasing interest. With a 66.3% percentage. Product quality, on the other hand, has a 11.48% influence on consumer purchasing interest. Overall, the factors of product price and product quality jointly affect consumer purchasing interest with a significance of 0.05 and a F computed value of 293,715 F table 3.021, indicating that both factors have an impact.

Modal Sosial: Apakah Penting Dalam Penyelesaian Pinjaman di Lembaga Keuangan Mikro Syariah? saida, umi; Abadi, M. Kurnia Rahman; Prasetiyo, Luhur
Jurnal Ilmiah Ekonomi Islam Vol 10, No 1 (2024): JIEI : Vol.10, No.1, 2024
Publisher : ITB AAS INDONESIA Surakarta

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.29040/jiei.v10i1.11863

This study examines the significance of social capital in Islamic microfinance at BMT La Tansa Gontor. The research uses a systematic review of theoretical and empirical literature. The findings show that group loans with joint liability are effective in overcoming credit market challenges for the impoverished. Peer selection, monitoring, and pressure play a role in this effectiveness. However, the empirical literature suggests that social capital is a complex concept with varying effects on performance. Factors like trust, cultural homogeneity, and peer pressure have a greater influence on repayment compared to family groups. The implications of this research are practical and social. It highlights the need to consider social capital in different areas before implementing microfinance programs. It also emphasizes the importance of forming groups with trustworthy individuals and helping those affected by external factors. Lastly, it suggests avoiding family groups. The originality of this research lies in its comprehensive analysis of social capital and its impact on group performance.

The Covid-19’s Impact on Sharia banks in Southeast Asia: Islamicity Performance Index, Intellectual Capital, and Islamic Corporate Governance Abadi, M. Kurnia Rahman; Mohd Nasarudin, Ahmad Fawwaz Bin; Alhamdamuhar, Abdul Thoriq
Integrated Journal of Business and Economics (IJBE) Vol 9, No 1 (2025): Integrated Journal of Business and Economics
Publisher : Universitas Bangka Belitung

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.33019/ijbe.v9i1.937

The COVID-19 pandemic has impacted Islamic banking in Southeast Asia, with corporate governance playing a crucial part in handling and controlling companies. This research studies the influence of issues such as Intellectual Capital, Islamic Income vs. Non- Islamic Income Ratio, and Zakat Performance Ratio on Islamic Corporate Governance in the region post-pandemic. The present research employs quantitative research techniques that depend on secondary data. To gather the necessary data, a documentation approach was adopted, involving the examination of annual reports from Islamic banks in Southeast Asia. Data was acquired through the utilization of a panel data regression model operated by Eviews 12. Findings suggest that intellectual capital and the Islamicity performance index are key drivers of ICG. To improve governance, Islamic banking institutions should focus on preserving intellectual capital and enhancing their Islamicity performance. Continuous efforts to enhance ICG are critical for dealing with global concerns in the aftermath of COVID-19.

Indonesian Millennial Financial Behaviour: The Role of Financial Literacy in Intention to Use Fintech Lending Abadi, M. Kurnia Rahman; Saida, Umi
AJIS: Academic Journal of Islamic Studies Vol. 9 No. 1 (2024)
Publisher : Institut Agama Islam Negeri (IAIN) Curup

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.29240/ajis.v9i1.10050

The significance of financial behaviour among millennials, particularly concerning fintech lending, is important. Fintech lending is a complex subject that is increasingly being studied. However, it also provides a solution for quick and easy funds. This study proposes to notice the financial behaviour of millennials by looking at their financial literacy and how it affects their plan to use fintech lending. The study practices a quantitative research approach and gathered data from 359 respondents through purposive random sampling. Structural equation modelling was used to test the hypotheses. The study found that the variables of the theory of planned behaviour do not directly affect the intention to use fintech, on the other hand, financial literacy has a significant influence. The consequences of this study are useful for investors, financial institutions, and government officials since it emphasises the necessity of knowing millennials' financial behaviours. These behaviours can impact their product choices, as seen in their susceptibility to the FOMO syndrome

Factors affecting investment decision in Indonesia: Mediating role of intention to invest Maulana, Hartomi; Ulya, Alfina Zein Syarifa; Syahruddin, Syahruddin; Abadi, M. Kurnia Rahman; Hastuti, Ely Windarti; Harahap, Soritua Ahmad Ramdhani
Jurnal Ekonomi & Keuangan Islam Volume 11 No. 2, July 2025
Publisher : Faculty of Economics, Universitas Islam Indonesia

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.20885/JEKI.vol11.iss2.art6

Purpose – This study examines the effects of digital financial literacy and cognitive ability on investment decisions. The study also investigates how the intention to invest mediates the relationship between digital financial literacy, cognitive ability, and Sharia investors’ decisions.Methodology – The methodology used in this study is a quantitative approach with probability sampling techniques of the cluster sampling method. The sample determination was performed using the Slovin formula. As a result, 400 respondents from seven major cities in East Java were obtained. Partial Least Square - Structural Equation Modelling (PLS-SEM) was used as an analysis technique.Findings – The results indicate that digital financial literacy and cognitive ability have a significant effect on investment decisions. Investment intention has been proven to act as a mediating variable linking digital financial literacy and cognitive ability with investment decisions.Implications – It is important for investors to have a good level of digital financial literacy and adequate cognitive abilities to improve investment decision-making. Investment intention is an important factor mediating the influence of both variables on investment decisions.Originality – This study contributes significantly to the comprehension of the factors that influence investment decisions, as well as the contribution of investment intention to the process.

FAKTOR-FAKTOR YANG MEMPENGARUHI MINAT BELI KONSUMEN DI SHOPEE DAN TOKOPEDIA Imari, Iqbal; Abadi, M. Kurnia Rahman; Akbar, Muhammad Ridho
Adzkiya : Jurnal Hukum dan Ekonomi Syariah Vol 12 No 1 (2024): Jurnal Adzkiya: Jurnal Hukum dan Ekonomi Syariah
Publisher : Fakultas Ekonomi dan Bisnis Islam Institut Agama Islam Negeri Meto

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.32332/adzkiya.v12i1.8024

The phenomena of internet usage, which is anticipated to grow over time, presents a new economic potential for e-commerce. One of the businesses owned by Pondok Modern Gontor, situated in Ponorogo City, East Java, is La Tansa Gontor Book & Stationery Store which currently also using e-commerce. This study aims to investigate the factors that influence consumer purchase interest in e-commerce used by La Tansa. The Theory of Planned Behavior, popularized by Icek Ajzen, is the theory applied in this study. This hypothesis is predicated on three different variables: behavioral attitude, subjective norms, and perceived behavioral control. In this study, a descriptive survey method is combined with a quantitative approach. With a sample size of 358 participants, the population in this study consisted of the 3,416 followers in marketplace platform. Several linear regression tests were employed in this investigation. A total score of 31,038 indicated that the aspects of product price and quality were thought to be very influential. The product pricing component, one of the two variables included in the study, had the most significant impact on consumer purchasing interest. With a 66.3% percentage. Product quality, on the other hand, has a 11.48% influence on consumer purchasing interest. Overall, the factors of product price and product quality jointly affect consumer purchasing interest with a significance of 0.05 and a F computed value of 293,715 F table 3.021, indicating that both factors have an impact.

Modal Sosial: Apakah Penting Dalam Penyelesaian Pinjaman di Lembaga Keuangan Mikro Syariah? saida, umi; Abadi, M. Kurnia Rahman; Prasetiyo, Luhur
Jurnal Ilmiah Ekonomi Islam Vol. 10 No. 1 (2024): JIEI : Vol.10, No.1, 2024
Publisher : ITB AAS INDONESIA Surakarta

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.29040/jiei.v10i1.11863

This study examines the significance of social capital in Islamic microfinance at BMT La Tansa Gontor. The research uses a systematic review of theoretical and empirical literature. The findings show that group loans with joint liability are effective in overcoming credit market challenges for the impoverished. Peer selection, monitoring, and pressure play a role in this effectiveness. However, the empirical literature suggests that social capital is a complex concept with varying effects on performance. Factors like trust, cultural homogeneity, and peer pressure have a greater influence on repayment compared to family groups. The implications of this research are practical and social. It highlights the need to consider social capital in different areas before implementing microfinance programs. It also emphasizes the importance of forming groups with trustworthy individuals and helping those affected by external factors. Lastly, it suggests avoiding family groups. The originality of this research lies in its comprehensive analysis of social capital and its impact on group performance.

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