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All Journal AKSES: Jurnal Ekonomi dan Bisnis Al-Mashrof: Islamic Banking and Finance JASNA : Journal For Aswaja Studies Journal of Ekonomics, Finance, and Management Studies Ecopreneur : Jurnal Ekonomi dan Bisnis Islam
Sa’diyah, Mahmudatus
Unknown Affiliation
Religion Economics, Econometrics & Finance

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Pengaruh Pengetahuan, Keamanan dan Risiko terhadap Minat Penggunaan E-Money Ovo dalam Perspektif Ekonomi Islam Amelina, Nadia; Sa’diyah, Mahmudatus
AKSES: Jurnal Ekonomi dan Bisnis Vol 18, No 2 (2023): AKSES: JURNAL EKONOMI DAN BISNIS
Publisher : Universitas Wahid Hasyim

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.31942/akses.v18i2.10124

Abstract

Hadirnya teknologi aplikasi e-money dapat mempermudah perekonomian kehidupan di masyarakat. Penelitian ini ditujukan untuk mengetahi bahwa apakah pengetahuan, keamanan dan risiko berpengaruh signifikan terhadap penggunaan e-money OVO di indonesia. Populasi yang digunakan yaitu masyarakat yang menggunakan aplikasi OVO. Sampel dalam penelitian ini adalah masyarakat pengguna aplikasi OVO dan jenis pengambilan sampel dalam penelitian ini purposive sampling. Jumlah sampel penelitian ini sebanyak 96 responden yang dihitung menggunakan rumus rao purba. Dalam penelitian ini menggunakan metode penelitian kuantitatif dengan teknik pengumpulan data kuesioner sedangkan teknik analisis yang digunakan adalah analisis regresi linier berganda. Hasil penelitian menunjukkan pengetahuan secara parsial berpengaruh signifikan terhadap minat penggunaan e-money OVO, Keamanan secara parsial tidak berpengaruh dan signifikan terhadap minat penggunaan e-money OVO, Risiko secara parsial berpengaruh signifikan terhadap minat penggunaan e-money OVO sedangkan pengetahuan, keamanan, dan risiko secara simultan berpengaruh signifikan terhadap minat penggunaan e-money OVO.Kata kunci: pengetahuan, keamanan, risiko dan minat penggunaan
Implementation of Assurance System Compliance on Halal Products in the Processing of Halal-Certified for Micro and Small Enterprises Anwar, Aan Zainul; Hamzah, Ghufron; Sa’diyah, Mahmudatus
JASNA : Journal For Aswaja Studies Vol 5, No 1 (2025)
Publisher : Pusat Studi Aswaja An-Nahdliyyah UNISNU Jepara

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.34001/jasna.v5i1.7091

Abstract

This study aims to analyze the implementation of assurance system compliance on halal products in the processing of halal-certified for business actors. The type of research used is descriptive qualitative research. Data and data sources are obtained through observation, questionnaires, documentation, and interviews. Observations are made on observing the activities for halal process of product production carried out by business actors with the data output on halal product production process activities. The questionnaire involved 66 small micro business actors as respondents, of which 35 had been certified halal. Documentation in the form of activity documents, records of production activities, and rules also guidelines related to the production of halal products. Interviews were conducted by heads of halal business actors and supervisors with the output of information on the implementation and supervision of the halal product production process. The location of the research object is a small micro business in Central Java Province. Data analysis goes through several stages, namely data collection, data reduction, data classification or category, data appearance, and data presentation. Data validity using source triangulation. The results showed the implementation of assurance system compliance on halal products in the processing of halal-certified for micro and small enterprises in Central Java. The duties and roles of halal supervisors in micro small enterprises that have halal-certified products have been procedurally carried out and most of them have competencies related to the halal product process. The implementation of assurance system compliance on halal products in the processing of halal-certified for micro and small enterprises has also been carried out starting with ensuring halal raw materials, processing free from feces, serving, and packaging. The existence of halal labels on products can increase interest and selling value in the community.
The Influence of Islamic Work Ethic, Work Motivation, and Work Experience on Employee Quality in Completing Tasks at BMT Ummat Sejahtera Abadi Jepara Istianah, Nur; Sa’diyah, Mahmudatus
Al-Mashrof: Islamic Banking and Finance Vol. 4 No. 2 (2023): Al-Mashrof: Islamic Banking and Finance
Publisher : Universitas Islam Negeri Raden Intan

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.24042/al-mashrof.v4i2.20844

Abstract

This research investigates the influence of Islamic work ethic, work motivation, and work experience on employee performance at BMT Ummat Sejahtera Jepara. The research design employed is quantitative. Primary data were collected through questionnaires distributed to BMT employees, while secondary data were obtained from online books, research journals, documentation, and available files. The population consists of 60 employees, and the sampling technique used is probability sampling with a census data approach.Data analysis in this study utilized Multiple Linear Regression with the SPSS application. The results indicate that the Islamic work ethic variable significantly impacts employee performance, as evidenced by the obtained T-value of 3.614, which exceeds the critical T-value of 1.673. The significance level (sig) is 0.00, indicating a probability value less than 0.05. Therefore, it can be concluded that the Islamic work ethic variable positively influences employee performance.Similarly, the motivation to work variable shows a positive impact, with a T-value of 3.255 exceeding the critical T-value of 1.673. The significance level (sig) is 0.002, indicating a probability value less than 0.05. Hence, it can be inferred that work motivation positively affects employee performance.On the other hand, the work experience variable exhibits a T-value of 1.030, which is less than the critical T-value of 1.673. The significance level (sig) is 0.308, indicating a probability value greater than 0.05. Consequently, it can be concluded from the test results that work experience does not have a significant positive effect on employee performance.
Pengaruh Kemanfaatan, Efektivitas, Dan Risiko Terhadap Minat Penggunaan E-Money Ovo Dalam Perspektif Ekonomi Islam Sa’diyah, Mahmudatus; Amelina, Nadia
Ecopreneur : Jurnal Ekonomi dan Bisnis Islam Vol. 4 No. 2 (2023): Ecopreneur : Jurnal Ekonomi dan Bisnis Islam
Publisher : Institute of Research and Community Service at Islamic University of Bunga Bangsa Cirebon

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

Abstract

This study aims to examine the influence of Benefit, Effectiveness, and Risk factors on interest in using e-money. The presence of e-money application technology can facilitate the economy of life in society. This study aims to find out whether the benefits, effectiveness, and risks have a significant effect on the use of OVO e-money in Indonesia. The population used is people who use the OVO application. The sample in this research is people who use the OVO application and the type of sampling in this study is purposive sampling. The number of samples in this study were 96 respondents who were calculated using the ancient rao formula. The results of the study show that partially usefulness has no significant effect on interest in using OVO e-money. Effectiveness has partially and significantly influenced the interest in using OVO e-money. Risk partially and significantly influences the interest in using OVO e-money, while knowledge, security, and risks simultaneously have a significant effect on the intention to use OVO e-moneyKeywords: Expediency, Effectiveness, Risk and Intention to use Abstrak Penelitian ini bertujuan untuk menguji pengaruh dari faktor Kemanfaatan, Efektivitas, dan Risiko terhadap minat penggunaan e-money. Hadirnya teknologi aplikasi e-money dapat mempermudah perekonomian kehidupan di masyarakat. Penelitian ini ditujukan untuk mengetahi bahwa apakah Kemanfaatan, Efektivitas, dan risiko berpengaruh signifikan terhadap penggunaan e-money OVO di indonesia. Populasi yang digunakan yaitu masyarakat yang menggunakan aplikasi OVO. Sampel dalam penelitian ini adalah masyarakat pengguna aplikasi OVO dan jenis pengambilan sampel dalam penelitian ini purposive sampling. Jumlah sampel penelitian ini sebanyak 96 responden yang dihitung menggunakan rumus rao purba. Hasil penelitian menunjukkan Kemanfaatan secara parsial tidak berpengaruh signifikan terhadap minat penggunaan e-money OVO. Efektifitas secara parsial berpengaruh dan signifikan terhadap minat penggunaan e-money OVO. Risiko secara parsial berpengaruh dan signifikan terhadap minat penggunaan e-money OVO, sedangkan pengetahuan, keamanan, dan risiko secara simultan berpengaruh signifikan terhadap minat penggunaan e-money OVOKata Kunci: Kemanfaatan, Efektivitas, Risiko, dan Minat Penggunaan
Pengaruh Kualitas Produk, Citra Merek, Label Halal, dan Harga terhadap Kepuasan Konsumen Generasi Z pada Produk Skincare Wardah di Jepara Fauziyah, Nila; Sa’diyah, Mahmudatus
El-Mal: Jurnal Kajian Ekonomi & Bisnis Islam Vol. 7 No. 5 (2026): El-Mal: Jurnal Kajian Ekonomi & Bisnis Islam
Publisher : Intitut Agama Islam Nasional Laa Roiba Bogor

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.47467/elmal.v7i5.12092

Abstract

This study aims to analyze the influence of product quality, brand image, halal certification, and price on Generation Z consumer satisfaction with Wardah skincare products in Jepara Regency. Generation Z is a consumer segment that is digitally savvy, critical, and considers both functional aspects and values when choosing skincare products. This study employs a quantitative approach using a survey method. Data collection was conducted via a questionnaire administered to 150 Generation Z respondents who use Wardah skincare products in Jepara, utilizing purposive sampling. Data analysis employed the Partial Least Squares–Structural Equation Modeling (PLS-SEM) method using the SmartPLS software. The results indicate that halal labeling, price, and brand image have a positive and significant influence on the satisfaction of Generation Z consumers who use Wardah skincare products in Jepara. Conversely, product quality does not significantly influence consumer satisfaction, as Generation Z consumers tend to perceive Wardah skincare quality as already meeting standard levels, thus no longer serving as a primary differentiating factor in shaping satisfaction. This study is expected to provide theoretical contributions to the development of research on Generation Z consumer behavior, as well as practical insights for Wardah in formulating marketing strategies and developing skincare products aligned with local consumer characteristics.
Co-Authors Aan Zainul Anwar Amelina, Nadia Fauziyah, Nila Ghufron Hamzah Nur Istianah