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Pengaruh Gaya Hidup dan Literasi Keuangan Terhadap Manajemen Keuangan Pribadi pada Gen Z Muslim di Surabaya Muhammad Fakhri Dzulfikar; Bibi Faiza Farhana; Akhlis Fathikul Islam; Musaidatul Maulidiyah; Fata Habibullah; Maryam Bte Badrul Munir
El-Mal: Jurnal Kajian Ekonomi & Bisnis Islam Vol. 5 No. 12 (2024): 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.v5i12.5558

This study aims to investigate whether lifestyle and financial literacy affect personal financial management in generation Z in Surabaya City. This study uses an associative quantitative research method with all students of Surabaya State University, while the sample used is Muslim students at the Faculty of Economics and Business, Surabaya State University. Data analysis used is the same validity test rehabilitation, normality test, multiple regression test, hypothesis test (t & f) then obtains results for financial literacy and lifestyle variables, the significance value in the F Test is less than 0.005 and the value of f-count> f-table which means Financial Literacy and Lifestyle have a significant effect simultaneously on the Personal Financial Management variable. The Financial Literacy variable has a positive and significant partial effect on Personal Financial Management with the results of the significance value in the T Test which is less than 5% (0.05) and the value of t-count is greater than t-table. While the Lifestyle variable has a negative and insignificant partial effect on Personal Financial Management with the results of the significance value in the T Test which is greater than 5% (0.05) and the value of t-count is smaller than t-table.

Analysis of the Penta Helix Model in Halal Tourism Development in Trowulan, Mojokerto Regency Lucky Abdul Herdiyanto; Maryam Bte Badrul Munir
Formosa Journal of Science and Technology Vol. 3 No. 6 (2024): June 2024
Publisher : PT FORMOSA CENDEKIA GLOBAL

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.55927/fjst.v3i6.9702

The purpose of this study was to describe the role of Penta Helix Model actors on the development of Halal Tourism in Trowulan, Mojokerto Regency and to describe the supporting and inhibiting factors of the role of penta helix model actors on the development of halal tourism in Trowulan, Mojokerto Regency. The results of this study are five actors in the form of government, business, community, academics, and media that play a role in the development of halal tourism in Trowulan. The conclusion of this research is that the penta helix actors are not running optimally because there is no binding regulation for the five roles to collaborate with each other and there is no legal umbrella for the development of halal tourism. The research suggestion is that the government forms a team consisting of the roles of the penta helix and makes a legal umbrella for reference to the development of halal tourism in Trowulan, Mojokerto district.

Influence of Gamification (Shoppertainment) and Hedonism Value on TikTok Purchasing Decisions: Islamic Economic Perspective Dinar Ekamanda; Maryam Bte Badrul Munir
Formosa Journal of Science and Technology Vol. 3 No. 6 (2024): June 2024
Publisher : PT FORMOSA CENDEKIA GLOBAL

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.55927/fjst.v3i6.9731

This study examines at how gamification and hedonism value influence product purchasing decisions using the TikTok app, with a focus on Generation Z in Gresik, East Java. The study used quantitative methods and a correlational research design, with a questionnaire distributed to Muslim Generation Z individuals aged 18-28 who were selected through purposive sampling. The data were analyzed with linear regression. The results show that while hedonism value influences purchasing decisions, gamification does not. Gamification and hedonism value both influence product purchasing decisions.

Pemberdayaan Ekonomi Perempuan Melalui Program Bank BTPN Syariah: Studi Literatur Wulandari, Maulidia; Moch. Khoirul Anwar; Maryam Bte Badrul Munir
El-Mal: Jurnal Kajian Ekonomi & Bisnis Islam Vol. 5 No. 12 (2024): 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.v5i12.5366

Women's economic empowerment has emerged as a central issue in sustainable development. BTPN Syariah, a pioneer in inclusive finance, has been actively involved in empowering women economically through various innovative programs. This research delves into the effectiveness of the business coaching programs and murabahah financing offered by BTPN Syariah. A literature review indicates that these two programs complement each other and have a significant impact on enhancing women's economic capacity. Comprehensive business coaching, ranging from technical training to business network development, has successfully boosted the self-confidence and management skills of women entrepreneurs. Meanwhile, murabahah financing, aligned with sharia principles, has provided fairer and more affordable access to capital, fostering sustainable business growth. The combination of these two programs has not only increased family income but also contributed to poverty reduction, gender inequality reduction, and local economic growth. This study aims to conduct an in-depth analysis of the effectiveness of the business coaching and murabahah financing programs offered by BTPN Syariah in the context of women's economic empowerment through a literature review.

Analisis Analisis Kinerja Bank BTPN Syariah Periode 2021 – 2023 Menggunakan Metode Indeks Maqashid Syariah Akbar Budi Sampurno; Moch Khoirul Anwar; Maryam Bte Badrul Munir
El-Mal: Jurnal Kajian Ekonomi & Bisnis Islam Vol. 5 No. 12 (2024): 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.v5i12.5368

The aim of this research is to determine the performance of BTPN Syariah bank from 2021 to 2023 using the maqashid sharia index method. The instrument for assessing the performance of sharia banks is the maqashid sharia index which measures the success of a business based on the benefits provided to the wider community. This research uses a quantitative methodology with a descriptive approach, utilizing data sources originating from the annual financial reports of BTPN Syariah bank. Research findings show that the value of the maqashid sharia index on the performance of BTPN Syariah bank has fluctuated. This shows that the performance of BTPN Syariah bank in 2021–2023 is not as good as expected in fulfilling maqashid sharia objectives. The decline in the maqashid sharia index ratio value is currently the cause of the performance of BTPN Syariah bank. Additionally, certain ratios, such as reasonable profits and personal income, cannot be calculated. This is because BTPN Syariah bank does not manage zakat funds and does not apply the PER ratio in the financial audit system in its annual financial reports.

Pengaruh Gaya Hidup dan Literasi Keuangan Terhadap Manajemen Keuangan Pribadi pada Gen Z Muslim di Surabaya Muhammad Fakhri Dzulfikar; Bibi Faiza Farhana; Akhlis Fathikul Islam; Musaidatul Maulidiyah; Fata Habibullah; Maryam Bte Badrul Munir
El-Mal: Jurnal Kajian Ekonomi & Bisnis Islam Vol. 5 No. 12 (2024): 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.v5i12.5558

This study aims to investigate whether lifestyle and financial literacy affect personal financial management in generation Z in Surabaya City. This study uses an associative quantitative research method with all students of Surabaya State University, while the sample used is Muslim students at the Faculty of Economics and Business, Surabaya State University. Data analysis used is the same validity test rehabilitation, normality test, multiple regression test, hypothesis test (t & f) then obtains results for financial literacy and lifestyle variables, the significance value in the F Test is less than 0.005 and the value of f-count> f-table which means Financial Literacy and Lifestyle have a significant effect simultaneously on the Personal Financial Management variable. The Financial Literacy variable has a positive and significant partial effect on Personal Financial Management with the results of the significance value in the T Test which is less than 5% (0.05) and the value of t-count is greater than t-table. While the Lifestyle variable has a negative and insignificant partial effect on Personal Financial Management with the results of the significance value in the T Test which is greater than 5% (0.05) and the value of t-count is smaller than t-table.

Analisis Faktor-faktor yang Mempengaruhi Minat Mahasiswa UNESA dalam Memilih Berkarir di BUMN Sebelum Masa Wisuda Aulia, Aulia Siska Puspita Dewi; Maryam Bte Badrul Munir
El-Mal: Jurnal Kajian Ekonomi & Bisnis Islam Vol. 6 No. 3 (2025): 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.v6i3.5690

The escalating rivalry in the workforce necessitates that the younger generation, particularly students, possess exceptional qualities to thrive. State-Owned Enterprises (SOEs) are increasingly favored by Generation Z for their financial stability and perks; however, student interest is shaped by various aspects, including monetary compensation, certification quality, and the caliber of the MBKM program. Comprehending the determinants that affect UNESA students' inclination towards a career in SOEs prior to graduation is essential for enhancing human resource development in Indonesia. This study to examine the factors that affect the interest of Surabaya State University students in pursuing careers in State-Owned Enterprises prior to graduation. This study evaluates many elements, including financial incentives, certification quality, and the quality of the MBKM program, to ascertain career choices within the SOEs sector. The study employs a quantitative methodology and design. The purposive sampling method identifies the sample, resulting in a sample size of 101 pupils. Researchers gather primary data on a Likert scale ranging from 1 to 5, derived from a questionnaire that constitutes the focus of the study. This study encompasses many assessments, including the research instrument evaluation (validity and reliability), classical assumption testing, multiple linear regression analysis, coefficient of determination assessment, and hypothesis testing (t-test and F-test) utilizing SPSS version 25 software. The results reveals that financial incentives, certification quality, and MBKM quality significantly enhance Unesa students' enthusiasm in pursuing careers in state-owned enterprises (SOEs). The coefficient of determination indicates that 61.5% of the variation in student interest is explicable by the independent variables in the model.

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