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All Journal Jurnal Ilmiah Manajemen Kesatuan
Marits, Shofi Arofatul
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Economics, Econometrics & Finance Social Sciences

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Development of Digital Payment Systems in Indonesia Hendrawan, Muhammad Ridho Nur Alamsyah; Marits, Shofi Arofatul; Herman, Sebastian
Jurnal Ilmiah Manajemen Kesatuan Vol. 11 No. 3 (2023): JIMKES Edisi Desember 2023
Publisher : LPPM Institut Bisnis dan Informatika Kesatuan

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Abstract

This research explores the dynamics and development of the digital payment system in Indonesia along with rapid technological transformation, including the growth of the digital finance industry and a shift in consumer behavior towards non-cash transactions. The aim of this research is to analyze the impact of the development of digital payment systems on the existence of cash in the digital economy era as well as reduce risks that may arise from the use of digital payment systems and prevent price increases due to the amount of cash in circulation. The method used in this research is a qualitative method with a phenomenological approach. Data was analyzed involving measuring and testing data by considering theoretical concepts related to the development of digital payment systems. The results of this research indicate that technological progress in the digital economy era, especially in the development of digital payment systems, has increased rapidly. The COVID-19 pandemic has accelerated the use of e-commerce and digital wallets, triggering digital transformation in the Micro, Small and Medium Enterprises (MSME) sector. Efforts from governments, regulators and service providers to maintain user security and privacy are important steps to build public trust in digital payments.
Generation Z Purchasing Behavior Profile in the Digital Economy: Normative Analysis in Online Markets Zhulal, Muhammad; Marits, Shofi Arofatul; Herman, Sebastian
Jurnal Ilmiah Manajemen Kesatuan Vol. 11 No. 3 (2023): JIMKES Edisi Desember 2023
Publisher : LPPM Institut Bisnis dan Informatika Kesatuan

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This research aims to detail Generation Z's purchasing behavior in the online market. This research provides an in-depth view for e-commerce companies and marketers to develop more effective strategies in attracting and retaining Generation Z. This research method is normative descriptive research. The type of research used is exploratory research. Data collection techniques involve literature reviews from various journal sources and related literature. The data analyzed is secondary data and the data analysis method involves normative analysis to identify the differences between "das sollen" (should) and "das sein" (actual conditions) in the purchasing behavior of Generation Z in the digital economy. This research reveals that Generation Z has a high affinity for using smartphones when shopping online, indicating a dependence on mobile technology in the digital economy era. Generation Z is more active in shopping online compared to previous generations, indicating the important role of digital platforms in shopping behavior patterns. Continuous recommendations from this research emphasize the importance of continuous adaptation to technological changes and the dynamics of Generation Z consumer behavior. Businesses are expected to combine innovative marketing strategies with responsive shopping experiences to attract and retain Generation Z as loyal consumers.
Cryptocurrency in Islamic View: Sentiment Analysis Method Approach Birjaman, Muhammad Iqbal; Marits, Shofi Arofatul; Herman, Sebastian
Jurnal Ilmiah Manajemen Kesatuan Vol. 12 No. 1 (2024): JIMKES Edisi Januari 2024
Publisher : LPPM Institut Bisnis dan Informatika Kesatuan

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.37641/jimkes.v12i1.2341

Abstract

Islamic economics focuses on realizing Islamic ideals, rahmatan lil 'alamin, which aims to provide goodness, prosperity and well-being. Halal (Positive) and haram (negative) aspects in the realm of cryptocurrency. Based on an extensive review of 23 relevant journals, this research aims to analyze the literature and explore the implications of cryptocurrency in relation to Islamic principles. This research focuses on key variables such as compliance with Sharia, riba (usury), gharar (uncertainty), and transparency. By reviewing existing literature and considering the perspective of Islamic scholars and law, this paper aims to determine whether cryptocurrency is permitted or prohibited from an Islamic perspective. These findings will contribute to the ongoing discourse around the compatibility of cryptocurrencies with Islamic finance and ethics. This study emphasizes the importance of addressing halal and haram issues and implications in the cryptocurrency ecosystem. Ultimately, this research aims to provide insights and recommendations for scholars and practitioners in the field of Islamic finance and cryptocurrency.
Co-Authors Birjaman, Muhammad Iqbal Hendrawan, Muhammad Ridho Nur Alamsyah Herman, Sebastian Zaerofi, Afif Zhulal, Muhammad