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Ainun Nisa Nurhidayat Hakim
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Economics, Econometrics & Finance

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Analisis Kepuasan Pelanggan Terhadap Pelayanan BMT NU Cabang Ajung Moh Haris Balady; Achmad Roziqin; Ainun Nisa Nurhidayat Hakim; Indra Setiawan
Jurnal Akuntansi Keuangan dan Bisnis Vol. 1 No. 4 (2024): Januari - Maret
Publisher : CV. ITTC INDONESIA

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Baitul Maal wat Tamwil Nahdlatul Ulama (BMT NU) is a microfinance institution operating based on Sharia financial principles. BMT NU offers savings and financing products to help build the economy, particularly at the middle to lower economic levels. BMT NU's products follow Sharia Accounting principles by providing profit-sharing to savings products, thereby boosting the motivation of depositors. Financing at BMT NU Ajung Branch also facilitates transactions using Sharia-compliant contracts and offers popular products like lasisma financing without collateral. This research aims to delve into the role of BMT NU in contributing to community economic empowerment. The research methodology includes analyzing customer satisfaction with BMT NU Ajung Branch services, conducting interviews with BMT NU customers, and reviewing relevant literature. The results indicate that BMT NU not only serves as a provider of Sharia financial services but also plays a role in enhancing financial inclusion, providing sustainable microfinance, and economically empowering the community. The implications of this research can strengthen the understanding of the positive contributions of BMT NU in supporting sustainable economic development at the local level.
Pengaruh Emotional Bias dan Mental Accounting Terhadap Keputusan Pembelian Gacha Game Mobile Legends (Studi Kasus Mahasiswa Universitas Kiai Haji Achmad Siddiq Jember) M. Mirza Pratama; Ainun Nisa Nurhidayat Hakim
Jurnal Akuntansi Keuangan dan Bisnis Vol. 3 No. 2 (2025): Juli - September
Publisher : CV. ITTC INDONESIA

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The advancement of digital technology has driven changes in consumer behavior, particularly through microtransactions in online games. Mobile Legends: Bang Bang, one of the most popular online games, offers in-game purchases through a gacha system a luck-based lottery mechanism that often leads to irrational purchasing decisions. This study aims to analyze the influence of Emotional Bias and Mental Accounting on gacha item purchasing decisions among students at the State Islamic University of Kiai Haji Achmad Siddiq Jember. A quantitative approach was used with a survey method, distributing questionnaires to 104 respondents selected through purposive sampling. The data were analyzed using multiple linear regression with the assistance of SPSS software. The results show that Emotional Bias and Mental Accounting simultaneously affect purchasing decisions. Partially, each independent variable also has a significant effect on the purchasing decision. These findings indicate that psychological factors play a crucial role in students’ digital economic behavior and highlight the need for better financial literacy to prevent impulsive and speculative consumption decisions.
Co-Authors Achmad Roziqin Indra Setiawan M. Mirza Pratama Moh Haris Balady