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All Journal JURNAL PENDIDIKAN TAMBUSAI ARZUSIN: Jurnal Manajemen dan Pendidikan Dasar Likuid: Jurnal Ekonomi Industri Halal
Anggraini, Dewi Manda
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Religion Economics, Econometrics & Finance Education Social Sciences

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Exploring The Role of Digital and Financial Literacy and Peer Pressure in Shaping Consumptive Behavior: A Study of UIN Bukittinggi Student Asdi, Habib Maulana; Anggraini, Dewi Manda
Likuid Jurnal Ekonomi Industri Halal Vol 4, No 2 (2024): LIKUID: Jurnal Ekonomi Industri Halal
Publisher : Sharia Economics Study Program Faculty of Islamic Economics and Business UIN Sunan Gunun

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.15575/likuid.v4i2.35330

Abstract

Data demonstrate that a large number of students loans from financial firms frequently lock individuals in consumerism habits, making it difficult for them to handle their money sensibly. This study aims to determine the effect of digital literacy, financial literacy, and peer factors on the consumptive behavior of UIN Sjech M Djamil Jambek Bukittinggi students. The type of research used is quantitative research. The respondents selected for this study consisted of more than 200 people who were randomly selected. Primary data was obtained from distributing questionnaires to respondents. Meanwhile, data analysis techniques include validity and reliability testing, classical assumption test and multiple linear regression analysis. The results showed that students' consumption behavior was significantly influenced by digital literacy and peers. On the other hand, financial literacy has no discernible impacts on students’s purchasing patterns. The F-test demonstrate that peers, financial literacy, and digital literacy all significantly affect students’ purchasing decisions.
Exploring The Role of Digital and Financial Literacy and Peer Pressure in Shaping Consumptive Behavior: A Study of UIN Bukittinggi Student Asdi, Habib Maulana; Anggraini, Dewi Manda
Likuid Jurnal Ekonomi Industri Halal Vol. 4 No. 2 (2024): LIKUID: Jurnal Ekonomi Industri Halal
Publisher : Sharia Economics Study Program Faculty of Islamic Economics and Business UIN Sunan Gunun

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.15575/likuid.v4i2.35330

Abstract

Data demonstrate that a large number of students loans from financial firms frequently lock individuals in consumerism habits, making it difficult for them to handle their money sensibly. This study aims to determine the effect of digital literacy, financial literacy, and peer factors on the consumptive behavior of UIN Sjech M Djamil Jambek Bukittinggi students. The type of research used is quantitative research. The respondents selected for this study consisted of more than 200 people who were randomly selected. Primary data was obtained from distributing questionnaires to respondents. Meanwhile, data analysis techniques include validity and reliability testing, classical assumption test and multiple linear regression analysis. The results showed that students' consumption behavior was significantly influenced by digital literacy and peers. On the other hand, financial literacy has no discernible impacts on students’s purchasing patterns. The F-test demonstrate that peers, financial literacy, and digital literacy all significantly affect students’ purchasing decisions.
Pengaruh Promosi terhadap Keputusan Jamaah Menggunakan PT. Sutra Tour & Travel Hidayah Vinora, Atria; Anggraini, Dewi Manda; Widianita, Rika; Devy, Tartila
Jurnal Pendidikan Tambusai Vol. 10 No. 1 (2026)
Publisher : LPPM Universitas Pahlawan Tuanku Tambusai, Riau, Indonesia

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.31004/jptam.v10i1.37917

Abstract

Latar belakang penelitian ini adalah tingginya persaingan biro perjalanan haji dan umrah di Kota Bukittinggi yang menuntut perusahaan mampu memaksimalkan strategi promosi untuk menarik minat jamaah. Promosi dipandang sebagai faktor penting yang dapat memengaruhi keputusan jamaah dalam memilih biro perjalanan umrah. Tujuan penelitian ini adalah untuk mengetahui seberapa besar pengaruh promosi terhadap keputusan jamaah dalam menggunakan jasa PT Sutra Hidayah. Penelitian ini menggunakan metode kuantitatif asosiatif dengan populasi jamaah PT Sutra Tour Hidayah Cabang Bukittinggi tahun 2021–2024. Jumlah sampel sebanyak 50 responden dengan teknik purposive sampling. Instrumen penelitian berupa kuesioner dengan skala Likert. Analisis data dilakukan melalui uji validitas, uji reliabilitas, uji asumsi klasik, regresi linier sederhana, uji t, dan koefisien determinasi (R²). Hasil penelitian menunjukkan bahwa promosi berpengaruh signifikan terhadap keputusan jamaah. Hal ini dibuktikan dengan nilai koefisien determinasi (R²) sebesar 0,759 atau 75,9%. Artinya, promosi memberikan pengaruh sebesar 75,9% terhadap keputusan jamaah menggunakan jasa PT Sutra Tour Hidayah, sedangkan 24,1% sisanya dipengaruhi oleh faktor lain di luar penelitian ini. Kesimpulan penelitian ini adalah bahwa promosi memiliki peran penting dalam memengaruhi keputusan jamaah. Oleh karena itu, PT Sutra Tour disarankan untuk terus meningkatkan strategi promosi yang kreatif, inovatif, dan efektif agar mampu menarik lebih banyak jamaah serta bersaing dengan biro perjalanan lainnya.
Analisis Pengaruh Pelayanan Ollin by Nagari dalam Peningkatan Jumlah Nasabah Tabungan pada Bank Nagari Syariah Cabang Bukittinggi Rahmi, Miftahur; Anggraini, Dewi Manda
Jurnal Pendidikan Tambusai Vol. 10 No. 1 (2026)
Publisher : LPPM Universitas Pahlawan Tuanku Tambusai, Riau, Indonesia

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.31004/jptam.v10i1.36387

Abstract

Penelitian ini bertujuan tujuan untuk mengetahui bagaimana Layanan Mobile Banking (Ollin by Nagari) Berpengaruh Terhadap Peningkatan jumlah nasabah tabungan pada PT. Bank Nagari Syariah Bukittinggi. Ollin by Nagari merupakan aplikasi mobile banking terbaru yang menawarkan berbagai kemudahan, seperti transfer dana, pembayaran tagihan, pembelian pulsa, serta pembukaan rekening secara online dengan fitur keamanan biometrik. Metode yang digunakan penulis dalam penelitian ini dengan motode kualitatif dengan teknik pengumpulan data melalui wawancara kepada pegawai dan nasabah Bank Nagari Syariah Bukittinggi. Hasil penelitian ini adalah dimana menunjukkan bahwa kualitas pelayanan Ollin by Nagari dinilai baik oleh nasabah, terutama pada aspek keandalan dan ketanggapan. Namun, masih terdapat beberapa faktor yang menjadi penyebab pelayanan kurang optimal, seperti kurangnya pengetahuan petugas, penampilan yang kurang professional, serta komunikasi yang kurang efektif.
Analisis Penyusunan Laporan Keuangan UMKM pada CV Mitra Arsitek (Studi Kasus Pasaman Barat) Saputri, Faiza; Anggraini, Dewi Manda
ARZUSIN Vol 6 No 5 (2026): ARZUSIN: Jurnal Manajemen dan Pendidikan Dasar
Publisher : Lembaga Yasin AlSys

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.58578/arzusin.v6i5.11705

Abstract

Although the preparation of financial statements based on the Financial Accounting Standards for Micro, Small, and Medium Entities (SAK EMKM) plays an important role in improving the accountability and quality of financial management among micro, small, and medium enterprises (MSMEs), research on their implementation at CV Mitra Arsitek in West Pasaman Regency remains limited. This study aimed to analyze the preparation of financial statements at CV Mitra Arsitek based on SAK EMKM and to identify the challenges encountered in its implementation. This study employed a qualitative approach with a field research and case study design. Data were obtained from one key informant selected through purposive sampling. Data were collected through observation, semi-structured interviews, and documentation and were subsequently analyzed using an interactive analysis model comprising data reduction, data display, and conclusion drawing. The results showed that financial statements at CV Mitra Arsitek were still prepared in a simple manner by recording cash receipts and disbursements and therefore did not yet comply with SAK EMKM requirements. The company had not prepared a general journal, general ledger, statement of financial position, income statement, or notes to the financial statements. The main challenges in implementing SAK EMKM included limited understanding of accounting standards, the absence of human resources competent in accounting, and the use of a manual recording system. This study emphasizes the need to improve understanding, human resource competence, and financial recording systems so that the company’s financial reporting complies with SAK EMKM. The findings provide practical implications for CV Mitra Arsitek in evaluating and improving the quality of its financial reporting and enrich the literature on the implementation of accounting standards among MSMEs.
Co-Authors Asdi, Habib Maulana Devy, Tartila Rahmi, Miftahur Rika Widianita Saputri, Faiza Vinora, Atria