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All Journal IQTISHADUNA: Jurnal Ekonomi dan Keuangan Islam Journal of Islamic Economy
Saadatirrohmi, Siti Ahdina
Unknown Affiliation
Religion Economics, Econometrics & Finance Other

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THE INFLUENCE OF FINANCIAL LITERACY AND INCOME ON FAMILY WELFARE IN RATO VILLAGE, BOLO DISTRICT, BIMA REGENCY THROUGH FINANCIAL BEHAVIOR AS A VARIABLE INTERVENING Afniatun, Nur; Sanurdi; Saadatirrohmi, Siti Ahdina
IQTISHADUNA Vol. 14 No. 2 (2023): IQTISHADUNA: JURNAL EKONOMI DAN KEUANGAN ISLAM
Publisher : UIN Mataram

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

Abstract

This study aims to examine the effect of financial literacy, income on financial well-being, bothdirectly and through financial behavior. The population of this study were all heads of familiesin Rato Village, Bolo District, Bima Regency. The sample of this research is 95 heads of familiesusing the Slovin formula with purposive random sampling technique. This study uses aquantitative approach. Data collection techniques in this study using a questionnaire. The dataanalysis technique uses descriptive analysis and path analysis with the SMARTPLS 4.0 program.The results showed that financial literacy and income had a positive and significant effect onfinancial behavior, financial literacy and income had a positive and significant effect on financialwell-being. Financial behavior had a positive and significant effect on financial well-being. Theresults of the mediating effect show that financial literacy and income have a positive andsignificant effect on financial well-being through financial behavior as intervening variables.
Transformation and Innovation in Islamic Economics: Responding to Challenges in the Digital and Globalization Era Saadatirrohmi, Siti Ahdina; Harsono, Pramudi; Bakri, Asri Ady
Journal of Islamic Economy Vol. 1 No. 3 (2024): NOVEMBER-JOIE
Publisher : Pt. Anagata Sembagi Education

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.62872/m12p3y52

Abstract

The Islamic economy has undergone significant development in recent decades, especially with the digital transformation and globalization affecting various economic sectors. These changes bring new challenges to the sharia economy, but they also open up opportunities for innovation and increased relevance. This research aims to analyze how digital transformation and innovation can help the Islamic economy overcome challenges in the modern era. With the Systematic Literature Review (SLR) approach, this study identifies various strategies and practices that have been implemented to improve the competitiveness of the sharia economy in the midst of global changes. The results of the study show that the integration of digital technology, such as sharia fintech and blockchain, is one of the important factors in encouraging the efficiency and transparency of sharia economic transactions, especially in the context of the global market. In addition, increasing Islamic financial literacy is also the key to ensuring that the public understands and can access financial products in accordance with sharia principles. International collaboration is also needed to create a more inclusive and sustainable sharia economic ecosystem. Overall, this study emphasizes that adaptation to digital technology and increased global collaboration are important steps in maintaining the relevance of the sharia economy in the era of increasingly digital and globalization
Students' Perception Of Syariah Banking Study Program, Islamic University Of Negeri Mataram Towards Syariah Bank Services In Indonesia minti, agus apriadi; Saadatirrohmi, Siti Ahdina; zulkifli, Zulkifli; Winata, Ari Trisna; Taqwa, Nuri Ahli
IQTISHADUNA: Jurnal Ekonomi dan Keuangan Islam Vol. 16 No. 1 (2025): IQTISHADUNA: Jurnal Ekonomi Dan Keuangan Islam
Publisher : Universitas Islam Negeri Mataram

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.20414/iqtishaduna.v16i1.12912

Abstract

This study is based on the facts about the services provided by Security , Customer Service and Tellerto customers. This type of research uses qualitative research methods, the data sources used areprimary data and secondary data. The data collection technique used by researchers usingparticipant observation, for the interview method the researcher used semi-structured interviewsand documentation. The data analysis technique used is the researcher using a descriptive analysismethod by exploring in depth how the informant's perception of the services provided by Security, Customer Service and Teller employees at Bank Syariah Indonesia. To check the validity of the data theresearcher used time triangulation. From the results of the study, different perceptions wereobtained from informants regarding the services provided by Security , Customer Service and Telleremployees at Bank Syariah Indonesia. Positive and negative perceptions were found from 20informants interviewed, in this study there were 12 informants whose perceptions were positiveand 8 informants whose perceptions were negative. Positive perceptions said that the servicesprovided by Security , Customer Service and Teller were very good, friendly and responsive in servingcustomers and did not like to discriminate between one customer and another. While negativeperceptions say that the services provided by Security , Customer Service and Teller are not good, notfriendly and not responsive in serving customers and like to differentiate between customers. Thisis influenced by experience, from what customers experience when making transactions at BankSyariah Indonesia KC Cakranegara. In addition, customer perceptions are obtained from theresults obtained after completing the use of the services that have been provided, whether theservice is carried out, customers will be more satisfied or not.
Co-Authors Afniatun, Nur Bakri, Asri Ady minti, agus apriadi Pramudi Harsono Sanurdi Taqwa, Nuri Ahli Winata, Ari Trisna Zulkifli Zulkifli