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Generation Z Cashless Preferences In The Post Covid-19 Pandemic Era: Identifying The Continuity Of Digital Payment Usage Sholihah, Erlinda; Ariyani, Diyah
Business Management Analysis Journal (BMAJ) Vol 6, No 2 (2023): Business Management Analysis Journal (BMAJ)
Publisher : Universitas Muria Kudus

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.24176/bmaj.v6i2.11046

This quantitative study aims to identify factors affecting the intention of continuity of digital payment use in Generation Z in the post-Covid-19 pandemic. Based on the concepts of ECM (Expectation Confirmation Model) and TAM (Technology Acceptance Model), perceived ease of use, usefulness, and satisfaction were selected as determining variables. Data were collected through questionnaires from 150 Generation Z respondents as digital payment users and tested based on the SEM-PLS technique using SmartPLS software version 4.0. This research has proven that perceived ease of use and satisfaction are the main factors for the continuance intention of digital payment use in Generation Z, especially in the post-Covid-19 pandemic. In contrast, perceived usefulness is not a significant predictor that affects the continuance intention of use. The results of this study are expected to contribute to the expansion of literacy and increase the development of digital payment systems to meet consumer needs in the current cashless era. Further research is needed in describing the continuance intention of digital payment use in Generation Z by adding more variables and increasing the sample to get better findings.

Peran Mediasi Minat dalam Pembelian Produk Rabbani: Perspektif Plan of Behaviour Theory Wulandari, Wahyu; Ariyani, Diyah
IQTISHODUNA IQTISHODUNA (Vol. 20, No. 1, 2024)
Publisher : Fakultas Ekonomi, UIN Maliki Malang

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.18860/iq.v20i1.22858

This research is motivated by the way women dress that is the cause of sexual harassment. So that the research aims to determine the Effect Analysis of Halal Lifestyle, Price, and Word Of Mouth on Purchase Decisions on Rabbani Products in Salatiga with an Interest as an Intervening Variable. This study used a quantitative method by processing primary data through questionnaires which were distributed to users of Rabbani products in Salatiga as many as 193 respondents using a purposive sampling technique. The analytical tool used in this study is SmartPLS 4.The results of this study indicate that: halal lifestyle, price and word of mouth have a positive and significant effect on purchasing decisions. The interest variable has a positive and significant effect on purchasing decisions. Halal lifestyle, word of mouth has a positive and significant effect on interest. The price variable has a positive and insignificant effect on purchasing decisions. The interest variable can mediate the halal lifestyle variable, word of mouth on purchasing decisions. Interest cannot mediate price on purchasing decisions.

Impact of digital marketing, fintech, and Islamic branding on MSME performance with innovation moderation Rofiq, Ahmad Nur; Ariyani, Diyah; Muna, Izzatul
Asian Journal of Islamic Management (AJIM) VOLUME 6 ISSUE 2, 2024
Publisher : Faculty of Business & Economics, Universitas Islam Indonesia

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.20885/AJIM.vol6.iss2.art2

Objective – This study aims to analyze the influence of digital marketing, financial technology, and Islamic branching on the performance of Micro, Small Medium Enterprise (MSMEs) in Salatiga City and to test the moderating role of Product Innovation in this relationship.Methodology – This study employed a quantitative approach using a survey method. Data were collected using questionnaires distributed to 100 MSME owners in Salatiga. To analyze the data, multiple regression analysis was applied to test the effects of digital marketing, financial technology, and Islamic branding on MSME performance and to examine the moderating role of product innovation. Statistical tests, such as the F-test and t-test, were used to evaluate the significance of the model and individual variables, respectively, ensuring the robustness of the findings.Findings – The results show that financial technology and Islamic brands have a significant influence on MSME performance. By contrast, digital marketing does not have a significant influence. In addition, Product Innovation does not moderate the relationship between digital marketing, financial technology, and Islamic brands and MSME performance.Implications – These findings provide insights for MSMEs and policymakers regarding the importance of optimizing the use of financial technology and strengthening Islamic branding to improve business performance. However, product innovation must be managed more strategically to have a stronger impact on MSME performance.Originality – This study makes a novel contribution by exploring the moderating role of product innovation in the relationship between modern business strategies and MSME performance in Salatiga and highlighting the local context relevant to the cultural and economic diversity in this city.

Macroeconomic determinants of Indonesia’s economic growth: integrating industrial production index, inflation, and foreign direct investment within an Islamic welfare Ariyani, Diyah; Ummah, Ida Latifattul; Nuraini, Dian Fitria
Journal of Islamic Economics Management and Business (JIEMB) Vol. 6 No. 1 (2024)
Publisher : Prodi Magister Ekonomi Syariah FEBI UIN Walisongo Semarang

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.21580/jiemb.2024.6.1.22257

The study explores the key macroeconomic factors influencing Indonesia’s economic growth, focusing on the roles of the Industrial Production Index (IPI), inflation, exchange rates, international trade, and Foreign Direct Investment (FDI) within an Islamic welfare framework. The purpose of this research is to examine how these factors contribute not only to material prosperity but also to social and moral welfare. The methodology involves secondary data analysis from 1983 to 2022 using econometric techniques such as multiple linear regression and path analysis. The findings indicate that IPI and FDI have significant positive effects on economic growth, while international trade has a negative impact, primarily due to Indonesia’s trade deficit. Inflation, within controlled limits, stimulates growth, but exchange rate fluctuations show an insignificant effect. The implications suggest that policies integrating macroeconomic management with Islamic welfare principles, such as maqāṣid al-sharī‘ah, can foster sustainable economic and social welfare by balancing material growth with ethical considerations.

Pengaruh Likuiditas, Leverage, dan Ukuran Perusahaan Terhadap Kebijakan Dividen dengan Profitabilitas Sebagai Variabel Intervening Barokah, Siti; Ariyani, Diyah
Sharef: Journal of Sharia Economics and Finance Vol 2 No 1 (2024): Journal of Sharia Economics and Finance Vol. 2 No. 1 (2024)
Publisher : Universitas Islam Nahdlatul Ulama Jepara

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.34001/jsef.v2i1.820

Penelitian ini bertujuan untuk mengetahui pengaruh likuiditas, leverage, dan ukuran perusahaan terhadap kebijakan dividen dengan profitabilitas sebagai variabel intervening pada perusahaan manufaktur sektor industri dasar dan kimia yang terdaftar di BEI periode 2018-2022. Data penelitian ini menggunakan data sekunder berupa laporan keuangan yang diambil dari websit resmi BEI www.idx.co.id. Sampel penelitian berjumlah 15 perusahaan dipilih dengan metode purposive sampling. Data dianalisis dengan teknik analisis jalur dan uji sobel. Hasil analisis menemukan bahwa likuiditas dan ukuran perusahaan berpengaruh positif dan signifikan, sedangkan leverage tidak berpengaruh terhadap kebijakan dividen. Profitabilitas tidak dapat memediasi hubungan likuiditas, leverage, dan ukuran perusahaan terhadap kebijakan dividen.

THE INFLUENCE OF THE GINI RATIO, GOVERNMENT EXPENDITURE, EDUCATION LEVEL AND ZIS (ZAKAT, INFAQ, ALMS) ON POVERTY IN 34 PROVINCES INI INDONESIA IN 2020-2023 Ariyani, Diyah; Nafisyah, Dhurotun
Diponegoro Journal of Islamic Economics and Business Vol 4, No 2 (2024): Desember
Publisher : Fakultas Ekonomika dan Bisnis, Universitas Diponegoro, Semarang

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.14710/djieb.24288

Indonesia is a country that has a problem with its poverty level. In Indonesia, poverty is a social problem that has existed for a long time. However, poverty in Indonesia has experienced a continuing downward trend, although the decline has been slow. This study aims to determine the effect of the Gini ratio, government spending, education level and ZIS (Zakat, Infaq and Sadaqah) on poverty levels in 34 provinces in Indonesia. The method used is multiple linear regression, namely panel data with 136 observations for 4 years starting from 2020 to 2023 using data analysis tools in the form of eviews 10. Based on this research, the results obtained are that the gini ratio variable has a positive and significant effect on the poverty rate in 34 provinces in Indonesia, government spending has a positive and insignificant effect on the poverty rate in 34 provinces in Indonesia, the level of education has a negative and significant effect on the poverty rate in 34 provinces in Indonesia, ZIS has a positive and insignificant effect on the poverty rate in 34 provinces in Indonesia.

Stabilizing Economic Growth Since Covid-19 Pandemic: Evidence from OIC Country Ariyani, Diyah; Waharini, Faqiatul Mariya
Journal of Islamic Economic and Business Research Vol. 4 No. 2: December 2024
Publisher : Universitas Muhammadiyah Yogyakarta

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.18196/jiebr.v4i2.245

This research investigated how the government stabilized its economy in terms of government spending during the global crisis of the COVID-19 pandemic. This study also tried to identify whether there is a difference in the amount of government spending from the aspect of government spending before the global crisis of the COVID-19 pandemic and after the global crisis of the COVID-19 pandemic. The data covered all members of the Organization of Islamic Cooperation (OIC) spread across 4 continents. In looking at which factors affect economic growth, multiple linear regression is used, and a comparative test is carried out by conducting a Different Paired Sample T-Test. After testing in this study, researchers found that there were differences in government policies in terms of government spending carried out before the global crisis of the COVID-19 pandemic and after the global crisis of the COVID-19 pandemic. The independent variables used in the study had a significant positive influence except for the population. This research also shows that the government's efforts to maintain economic growth by increasing government spending are policies that have been implemented globally. This research is expected to provide recommendations for policies that can be implemented by the government in an effort to stabilize the economy, including increasing per capita income, increasing the human development index, and increasing trade activities abroad and domestically.

Pengaruh Digital Marketing Literasi Keuangan Teknologi Finansial dan Inklusi Keuangan Terhadap Pendapatan UMKM di Kota Salatiga Yunamahindra, Ajik; Ariyani, Diyah
ABDIMASKU : JURNAL PENGABDIAN MASYARAKAT Vol 8, No 1 (2025): JANUARI 2025
Publisher : LPPM UNIVERSITAS DIAN NUSWANTORO

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.62411/ja.v8i1.2836

Penelitian ini bertujuan untuk menganalisis pengaruh digital marketing, literasi keuangan, teknologi finansial, dan inklusi keuangan terhadap pendapatan UMKM di Kota Salatiga. Penelitian ini mengadopsi pendekatan kuantitatif dengan menggunakan metode survei. Data diperoleh melalui penyebaran kuesioner kepada 100 pemilik UMKM di Salatiga. Untuk menganalisis data yang terkumpul, digunakan analisis regresi berganda guna menguji dampak digital marketing, literasi keuangan, teknologi finansial, dan inklusi keuangan terhadap pendapatan UMKM di Kota Salatiga. Uji statistik seperti uji F dan uji t digunakan untuk menilai signifikansi model dan variabel individu, memastikan keandalan hasil yang diperoleh. Pemasaran digital terbukti memberikan dampak positif terhadap pendapatan UMKM dengan memperluas cakupan pasar. Sementara itu, literasi keuangan memiliki pengaruh negatif karena pengetahuan yang ada tidak diterapkan secara efektif. Teknologi finansial memberikan pengaruh positif dengan meningkatkan efisiensi transaksi dan arus kas, sementara inklusi keuangan mempermudah akses ke pembiayaan yang mendukung perkembangan usaha.

Peran UMKM dalam Mengatasi Masalah Kemiskinan di Provinsi Daerah Istimewa Yogyakarta Ariyani, Diyah; Wulandari, Putri Wahyu
Journal of Economics and Business Research (JUEBIR) Vol. 4 No. 1 (2025): June 2025
Publisher : Fakultas Ekonomi dan Bisnis Islam UIN Raden Mas Said Surakarta

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.22515/juebir.v4i1.9582

This study analyzes the influence of tourism income, MSME growth, Human Development Index (HDI), and zakat on the poverty rate in the Special Region of Yogyakarta Province. Utilizing panel data from 5 regencies/cities during the period of 2018-2022, the study employs the panel data regression analysis method. The findings of the study indicate that tourism income and MSME growth have a negative but insignificant impact on poverty. This suggests that the benefits of these two sectors have not been evenly distributed to significantly reduce poverty. The HDI is found to have a negative and significant impact on poverty, emphasizing the importance of investing in human resource development as a long-term poverty alleviation strategy. Unexpectedly, zakat demonstrates a positive and significant impact on poverty, which could be attributed to inefficiencies in zakat management and distribution or other uncontrolled factors within the study. These findings highlight the need for a multi-dimensional approach to poverty alleviation, focusing not only on economic growth but also on enhancing human resource quality and improving income redistribution systems. The study provides crucial implications for policymakers in formulating more effective and integrated poverty alleviation strategies in the Special Region of Yogyakarta Province

Macroeconomic determinants of Indonesia’s economic growth: integrating industrial production index, inflation, and foreign direct investment within an Islamic welfare Ariyani, Diyah; Ummah, Ida Latifattul; Nuraini, Dian Fitria
Journal of Islamic Economics Management and Business (JIEMB) Vol. 6 No. 1 (2024)
Publisher : Prodi Magister Ekonomi Syariah FEBI UIN Walisongo Semarang

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.21580/jiemb.2024.6.1.22257

The study explores the key macroeconomic factors influencing Indonesia’s economic growth, focusing on the roles of the Industrial Production Index (IPI), inflation, exchange rates, international trade, and Foreign Direct Investment (FDI) within an Islamic welfare framework. The purpose of this research is to examine how these factors contribute not only to material prosperity but also to social and moral welfare. The methodology involves secondary data analysis from 1983 to 2022 using econometric techniques such as multiple linear regression and path analysis. The findings indicate that IPI and FDI have significant positive effects on economic growth, while international trade has a negative impact, primarily due to Indonesia’s trade deficit. Inflation, within controlled limits, stimulates growth, but exchange rate fluctuations show an insignificant effect. The implications suggest that policies integrating macroeconomic management with Islamic welfare principles, such as maqāṣid al-sharī‘ah, can foster sustainable economic and social welfare by balancing material growth with ethical considerations.

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