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All Journal Media Riset Bisnis Ekonomi Sains dan Terapan Jurnal Cendekia Ilmiah Media Resonansi Pengabdian Masyarakat
Nahya Astriana
Universitas Muhammadiyah Jakarta
Humanities Computer Science & IT Economics, Econometrics & Finance Education Social Sciences Other

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Dampak E-Commerce Terhadap Perilaku Konsumtif Mahasiswa Dalam Perspektif Ekonomi Syariah Nahya Astriana; Jaharuddin Jaharuddin
J-CEKI : Jurnal Cendekia Ilmiah Vol. 3 No. 6: Oktober 2024
Publisher : CV. ULIL ALBAB CORP

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.56799/jceki.v3i6.4852

Abstract

Penelitian ini bertujuan untuk mengetahui dampak e-commerce terhadap perilaku konsumtif mahasiswa Fakultas Ekonomi dan Bisnis Universitas Muhammadiyah Jakarta. Respoden penelitian adalah 28 mahasiswa. Data dikumpulkan melaui kuisioner yang tertera pada google form secara sukarela yang dianalisis dengan metode penelitian library research atau penelitian kepustakaan dan penyajian data disajikan dalam bentuk tabel, grafik, dan persentase. Hasil penelitian menunjukkan bahwa E-commerce memiliki dampak positif dan negatif terhadap perilaku konsumtif mahasiswa. Dampak positifnya termasuk pertama, E-commerce menawarkan kemudahan dan aksesibilitas dalam berbelanja, memungkinkan mahasiswa untuk berbelanja kapanpun dan dimanapun tanpa terhalang oleh waktu dan lokasi toko fisik. Kedua, E-commerce menyediakan variasi produk yang luas dengan harga yang lebih murah dibandingkan toko fisik, terutama dengan adanya diskon dan promo. Ketiga, E-commerce dapat menghemat waktu dan biaya mahasiswa dalam berbelanja, karena mereka tidak perlu bepergian ke toko fisik. Namun, E-commerce juga dapat mendorong perilaku konsumtif mahasiswa, di mana mahasiswa membeli produk yang tidak mereka butuhkan atau melebihi anggaran mereka. Kedua, Strategi e-commerce seperti harga murah, diskon besar, promosi, dan kemudahan pembayaran digital dapat memicu pembelian impulsif tanpa pertimbangan matang. Ketiga, Perilaku konsumtif dan pembelian impulsif dapat menyebabkan pengeluaran berlebihan, yang berpotensi menimbulkan masalah keuangan bagi mahasiswa. Penelitian ini memberikan rekomendasi baru untuk meningkatkan pemahaman mahasiswa tentang ekonomi syariah dan mendorong konsumsi yang moderat dan bertanggung jawab di era digital.
PENINGKATAN WAWASAN DAN JIWA KEWIRAUSAHAAN MAHASISWA MELALUI KOLABORASI ANTARA MAHASISWA DAN AUTO DETAILING SEBAGAI PRAKTISI USAHA Wulan Rindyana Syafitri; Nahya Astriana; Danish Zulfan Al fathan
Media Resonansi Pengabdian Masyarakat Vol 1, No 1 (2025): Media Resonansi Pengabdian Masyarakat
Publisher : Taksasila Edukasi Insani

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.71312/mrdimas.v1i1.294

Abstract

This article was conducted as part of the assignment of the Entrepreneurship Application course to provide students with a practical understanding of the business operational process directly. The focus was directed to the autodetailing business of a vehicle owned by an alumnus of the University of Muhammadiyah Jakarta. The methods used were observation, interviews and literature studies which included business models, challenges, marketing strategies, and financial management. This business is run with a B2C business model that is oriented towards direct service to consumers, using the Business Model Canvas (BMC) framework. The main challenge in the form of limited initial capital is overcome by disciplined management of daily income. Marketing strategies are carried out through social media, community, and word of mouth, while financial management is implemented by separating business and personal funds, and calculating HPP and BEP as the basis for business decisions. This observation provides real insight into the importance of implementing entrepreneurial strategies to build a business sustainably in the midst of business competition.Keywords: Entrepreneurship, Business Learning, Auto Detailing, Business Model Canvas
FAKTOR PENENTU MINAT INVESTASI REKSA DANA SYARIAH Nahya Astriana; Jaharuddin Jaharuddin
Media Riset Bisnis Ekonomi Sains dan Terapan Vol 4, No 2 (2025): Media Riset Bisnis Ekonomi Sains dan Terapan
Publisher : Taksasila Edukasi Insani

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.71312/mrbest.v4i2.777

Abstract

This study examines the effects of Islamic financial literacy, income, and risk perception on investment interest in Islamic mutual funds, as well as the role of Islamic religiosity as a moderating variable. A quantitative explanatory approach was employed, with data collected through an online questionnaire from 316 Muslim respondents in Indonesia. The data were analyzed using Partial Least Squares–Structural Equation Modeling (PLS-SEM). The results show that Islamic financial literacy, income, and Islamic religiosity have a positive and significant effect on investment interest in Islamic mutual funds, with income identified as the most dominant factor. In contrast, risk perception does not significantly influence investment interest. The findings also indicate that Islamic religiosity does not act as a moderating variable but has a direct effect on investment interest. The proposed model explains 46.8% of the variance in investment interest. These findings suggest that investment decisions in Islamic mutual funds are driven more by financial capability and religious values than by risk considerations, highlighting the importance of strengthening Islamic financial literacy and expanding access to Islamic mutual fund products.Keywords: Islamic financial literacy, income, risk perception, Islamic religiosity, investment interest.
Co-Authors Danish Zulfan Al fathan Jaharuddin, Jaharuddin Wulan Rindyana Syafitri