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All Journal EKONOMIKA45 Jurnal Penelitian Ilmu Ekonomi dan Keuangan Syariah JEBD JIMEK
Oki Sania Riski
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Decision Sciences, Operations Research & Management Economics, Econometrics & Finance Engineering

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Pengaruh Religiusitas dan Pengetahuan tentang Produk Perbankan Syariah terhadap Keputusan Masyarakat Kota Palembang Menabung di Bank Syariah Indonesia Aisyah Zahara; Rinol Sumantri; Oki Sania Riski
Jurnal Penelitian Ilmu Ekonomi dan Keuangan Syariah Vol. 2 No. 3 (2024): Agustus : Jurnal Penelitian Ilmu Ekonomi dan Keuangan Syariah
Publisher : STAI YPIQ BAUBAU, SULAWESI TENGGARA

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.59059/jupiekes.v2i3.1590

Abstract

This research aims to test and determine the influence of religiosity and knowledge about sharia banking products on the decision of the people of Palembang to save at Indonesian sharia banks. Research Method This thesis is a type of quantitative research. This research uses one independent variable and one dependent variable. The independent variables in this research are religiosity and product knowledge, while the dependent variable in this research is people's decision to save in Islamic banks. The data collection technique in this research was in the form of a questionnaire distributed to 100 respondents and the data was analyzed using the PLS (Partial Least Square) analysis technique. In analyzing the data, researchers used data analysis with several steps, namely validity test, reliability test, outer model test, inner model test and hypothesis test. The results of the hypothesis test carried out show the significance value of the influence of religiosity (X1) and knowledge about sharia banking products (X2) on the decision of the people of Palembang to save at Indonesian sharia banks (Y). The results of the research show that the religiosity variable obtained a t-statistic value of 7,540 > 1.96 with a p-value of 0.000 < less than the significance level of 0.05, so it can be explained that religiosity has a positive effect on the decision of the people of Palembang city to save at Indonesian sharia banks and the variable knowledge about products Islamic banking obtained a t-statistic value of 4,091 > 1.96 with a p-value of 0.000 < less than the significance level of 0.05, so it can be explained that knowledge about sharia banking products has a positive effect on the decision of the people of Palembang city to save at Indonesian sharia banks. The conclusion of this research is that religiosity and knowledge of sharia banking products influence the decision of the people of Palembang to save at Indonesian sharia banks.
Pengaruh Media Sosial Dan Self Efficacy Terhadap Keputusan Berinvestasi Di Pasar Modal Syariah Melalui Financial Technology Anggie Angraini; Lemiyana; Oki Sania Riski
Jurnal Ekonomi dan Bisnis Digital Vol. 2 No. 1 (2024): Juli - September
Publisher : CV. ITTC INDONESIA

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Abstract

This study aims to investigate the influence of Social Media and Self Efficacy on Investment Decisions with Financial Technology as an intervening variable. The population for this research consists of Generation Z individuals in Palembang city who have made investment decisions, with a sample size of 100. Purposive sampling technique was employed to manage the sample, following several procedures. Data analysis was conducted using Structural Equation Modeling - Partial Least Squares (SEM-PLS) with SmartPLS version 4.1. The findings indicate that social media does not influence investment decisions, self efficacy positively affects investment decisions, social media influences financial technology, self efficacy influences financial technology, and financial technology influences investment decisions. In this study, financial technology fully mediates the relationship between social media and investment decisions, while self efficacy partially mediates the relationship between social media and investment decisions.
Pengaruh Word Of Mouth, Harga, dan Kualitas Pelayanan Terhadap Keputusan Menggunakan Layanan Maxim Kota Palembang Ananda Ramadhani; Zuul Fitriani Umari; Oki Sania Riski
Jurnal Ilmu Manajemen, Ekonomi dan Kewirausahaan Vol. 5 No. 2 (2025): Juli : Jurnal Ilmu Manajemen, Ekonomi dan Kewirausahaan
Publisher : Pusat Riset dan Inovasi Nasional

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.55606/jimek.v5i2.6299

Abstract

This study aims to partially determine the effect of word of mouth (WOM), price, and service quality on decisions to use online motorcycle taxi application services maxim bike category on the masses of Palembang city. This study uses primary data with a quantitative approach. The population in this study were consumers who used the online motorcycle taxi application Maxim Bike category whose number was unknown, so sampling was carried out using the Lemeshow formula with a coverage of 96 respondents. The analysis method used in this study is validity testing, reliability, classical assumption testing, and hypothesis testing using IBM SPSS 30 statistical analysis. The results of this study indicate that word of mouth (WOM) has a positive and significant effect on decisions to use maxim bike services, price has a positive and significant effect on decisions to use maxim bike services, and service quality has a positive and significant effect on decisions to use maxim bike services.
Pengaruh E-Commerce Shopee dan Pendapatan Terhadap Perilaku Konsumtif Masyarakat Desa Pulau Rajak Kecamatan Betung Perspektif Ekonomi Syariah Wiwik Wiwik; Zuul Fitriani Umari; Oki Sania Riski
EKONOMIKA45 :  Jurnal Ilmiah Manajemen, Ekonomi Bisnis, Kewirausahaan Vol. 12 No. 2 (2025): Juni: Jurnal Ilmiah Manajemen, Ekonomi Bisnis, Kewirausahaan
Publisher : Fakultas Ekonomi Universitas 45 Surabaya

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.30640/ekonomika45.v12i2.4326

Abstract

Consumptive behavior is a situation where a person has a desire to consume products that are actually not needed excessively in order to achieve satisfaction alone. With income and ease of using e-commerce, it can cause changes in people's consumption behavior. This is because people feel that shopee e-commerce is the most accessible online shopping platform . In addition, whatever item they are looking for is always there with many options and at a cheaper price. Therefore, people prefer to shop online through shopee e-commerce, both to meet their needs and only for items that are not really needed. This study aims to determine the influence of shopee e-commerce and income on consumptive behavior. The method used in this study is quantitative with multiple linear regression analysis methods. The results of this study are that shopee e-commerce (X1) has a significant influence on consumptive behavior (Y) as seen from the results of the t-test it is known that the value of sig is 0.002 <0.05 and revenue (X2) has a significant influence on consumptive behavior (Y) seen from the t-test it is known that the value of sig is 0.005 < 0.05. It can be concluded that shopee e-commerce and income have an effect on the consumptive behavior of the people of Rajak Island Village, Betung District from the perspective of sharia economics.
Co-Authors Aisyah Zahara Ananda Ramadhani Anggie Angraini Lemiyana Rinol Sumantri Wiwik Wiwik Zuul Fitriani Umari