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All Journal JURNAL ILMIAH GLOBAL EDUCATION Jurnal Ilmiah Manajemen, Bisnis dan Kewirausahaan Adpebi Science Series
Khairani, Zelfia
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Agriculture, Biological Sciences & Forestry Humanities Automotive Engineering Economics, Econometrics & Finance Education Environmental Science Languange, Linguistic, Communication & Media Mathematics Other

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PELAKSANAAN TRANSAKSI PINJAMAN ONLINE DI LUBUK SIKAPING, KABUPATEN PASAMAN DITINJAU DARI PREPEKTIF EKONOMI ISLAM Khairani, Zelfia; Taufiq, Muhammad
Jurnal Ilmiah Manajemen, Bisnis dan Kewirausahaan Vol. 3 No. 1 (2023): Februari : Jurnal Ilmiah Manajemen, Bisnis dan Kewirausahaan
Publisher : Lembaga Pengembangan Kinerja Dosen

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.55606/jurimbik.v3i1.440

Abstract

Perkembangan teknologi yang semakin maju memudahkan dan membuka kemungkinan bagi setiap orang untuk mendirikan perusahaan. Tahun demi tahun, teknologi selalu mengalami perkembangan yang signifikan, dengan tujuan untuk menciptakan teknologi yang lebih modern yang mampu membawa perubahan besar untuk mendukung setiap tugas manusia. Contoh platform layanan keuangan yang ditawarkan oleh perusahaan fintech adalah pinjaman online. Praktik bisnis peer-to-peer lending (P2P lending) menghubungkan pemberi pinjaman dengan peminjam secara online tanpa batasan geografis atau waktu, selama perangkat yang digunakan, seperti smartphone dan komputer, dapat terhubung ke internet. Hal ini sangat memudahkan masyarakat terutama yang belum memiliki akses layanan perbankan. . Namun ada banyak masyarakat yang juga terberatkan dengan adanya pinjaman online. Penelitian ini menggunakan metode penelitian dekskriptif kualiatati. Hasil penelitian ini injaman online di bolehkan jika terhindar dari usur riba, gharar, maysir, sera tidak adanya yang terzolimi dalam transaksi pinjaman online tersebut.Hanya saja masyarakat pinjaman online perlu jeli dalam memilih dan menggunakan pinjaman online
the Review literature: The effect of prices and income on consumer choice and consumption in Islam: substitusi effect and income consumption in Islam AMIN, AL -; Astuti, Tifany Y; Anggreni, Melisa; Khairani, Zelfia; Nasriandani, Elvi; Alfiona, Fifa; Putri, Anne; Asyari, Asyari
Adpebi Science Series 2022: 2nd AICMEST 2022
Publisher : ADPEBI

Show Abstract | Download Original | Original Source | Check in Google Scholar

Abstract

The change in the quantity demanded caused by a change in price occurs through two effects that are complementary to each other, which are called the substitution effect and the income effect , these effects also affect theory. behavior consumer in islam and based on law Islam on basically different with theory conventional. Difference this concerns score core in lower theory, motive and destination consumption, technique choice and allocation budget consumption. The method used in this study is literature review, with various sources of journal literature in the last five years. Based on the results of the reviewed articles that can explain how changes in relative prices affect consumer choices. And when choosing a product, consumers will consider its price as well as the price of alternative products from the cross-price elasticity of demand. And in Islam, the level of consumption of these goods is usually termed goods that are daruriyat, tahsiniyat, and hajiyat.
Pengaruh Perceived Ease Of Use, Fianancial Literacy Terhadap Keputusan Belanja Online Shoping dengan Islamic Lifestyle sebagai Faktor Pemoderasi Khairani, Zelfia; Rusyaida, Rusyaida
Jurnal Ilmiah Global Education Vol. 6 No. 1 (2025): JURNAL ILMIAH GLOBAL EDUCATION, Volume 6 Nomor 1, Maret 2025
Publisher : LPPM Institut Pendidikan Nusantara Global

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.55681/jige.v6i1.3599

Abstract

The growth of information technology is growing rapidly in Indonesia, including in the city of Bukittinggi, West Sumatra province. So that it changes the tendency of millennial lifestyles towards using gadgets with the ease of features and applications offered. One of them is the widespread use of online shopping among millennials due to the ease of buying products with technological advances. The focus of this study is to see the use of online shopping among millennials. The purpose of this study is to see the effect of perceived ease of use and financial literacy on the decision to use online shopping with Islamic lifestyle as a moderating factor. This study uses primary data using the quantitative correlation research method with a Likert scale instrument distributed through Google Form as many as 150 samples using purposive sampling, which is a non-probability sampling technique. The data analysis tool in this study uses Warp PLS 8.0. The results of this study show that perceived ease of use and financial literacy have a significant effect on online shopping decisions, while Islamic lifestyle has a positive effect as a moderating factor between perceived ease of use and financial literacy on online shopping decisions
Co-Authors Alfiona, Fifa AMIN, AL - Anggreni, Melisa Anne Putri Astuti, Tifany Y Asyari, Asyari Muhammad Taufiq Nasriandani, Elvi Rusyaida, Rusyaida