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All Journal Inovasi : Jurnal Ekonomi, Keuangan, dan Manajemen Al-Musthofa: Journal of Sharia Economics
Abiyajid Bustami
Unknown Affiliation
Religion Decision Sciences, Operations Research & Management Economics, Econometrics & Finance Environmental Science Library & Information Science Other

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Perceptions of civil servant towards sharia bank service: evidence from employees on public works and spatial planning department in Samarinda city Swadia Gandhi Mahardika; Muh Shadiqul Fajri AF; Abiyajid Bustami; Rinna Ramadhan Ain Fitriah; Isna Yuningsih
INOVASI Vol 19, No 2 (2023): Mei
Publisher : Faculty of Economics and Business Mulawarman University

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.30872/jinv.v19i2.12808

Abstract

The background of this research was the salary distribution for the civil servants. The salary distribution for employees on the Department of Public Works and Spatial Planning or Dinas Pekerjaan Umum dan Penataan Ruang (PUPR) in Samarinda City was from the conventional bank. However, the civil servants mostly used Sharia Bank for their daily activities. The utilization of the Sharia Bank based on the users’ perception. Knowledge and response were the factors to influence this perception. The research aimed to know 1) the perception of civil servants on the Department of Public Works and Spatial Planning in Samarinda City toward the use of Sharia Bank services based on knowledge and response, and 2) the main factor that influenced the civil servants to choose the Sharia Bank. This research was field research with a phenomenology approach. The data collection methods for this research were interviews and documentation. The data was collected from civil servants on the Department of Public Works and Spatial Planning Samarinda City as users of the Sharia Bank services. The research results showed that 1) the perception of civil servants on the Department of Public Works and Spatial Planning in Samarinda City based on the employee’s knowledge and response. The civil servants appraised the Sharia Bank as their first choice. The employees understood about the Sharia Bank such as its products, the bank‟s administration, its strategic place, the Sharia Bank promotion, the service qualities, Sharia Bank‟s facilities, and the fast service transaction. The response was influenced by factors such as culture, technology, social, and psychology. 2) The psychological factor that influences employees using the Sharia Bank services was a self-awareness to have freedom usury. For the civil servants, using the Sharia Bank services brought some benefits such as feel peaceful, secured, and blessed.
Pengaruh E-Commerce dan Pendidikan Kewirausahaaan Syariah Terhadap Minat Berwirausaha pada Mahasiswa Afifah Putri Wardana; Abiyajid Bustami
Al-Musthofa: Journal of Sharia Economics Vol. 8 No. 1 (2025): Al-Musthofa: Journal of Sharia Economics
Publisher : Program Studi Ekonomi Syariah Fakultas Ekonomi dan Bisnis Islam Institut Agama Islam Tarbiyatut Tholabah

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.58518/al-musthofa.v8i1.3969

Abstract

The high unemployment rate among Generation Z in Indonesia has created an urgency to promote entrepreneurship as an alternative solution, particularly through the utilization of e-commerce and Sharia entrepreneurship education. This study aims to determine the influence of e-commerce and entrepreneurship education on entrepreneurial interest among Sharia Economics students at Mulawarman University who utilize e-commerce and have taken the entrepreneurship course. This research employs a quantitative method. Data were collected via a questionnaire using Google Forms. The data analysis techniques include testing the validity and reliability of the instrument, classical assumption tests (normality, multicollinearity, and heteroscedasticity), and multiple linear regression analysis with hypothesis testing through partial t-tests. The results show that the e-commerce variable has a positive and significant effect on entrepreneurial interest. Likewise, the Sharia entrepreneurship education variable is proven to have a positive and significant influence on students’ entrepreneurial interest. This indicates the importance of integrating technology and Sharia entrepreneurial values in shaping independent and ethical entrepreneurial character.
Pengaruh E-Commerce dan Pendidikan Kewirausahaaan Syariah Terhadap Minat Berwirausaha pada Mahasiswa Afifah Putri Wardana; Abiyajid Bustami
Al-Musthofa: Journal of Sharia Economics Vol. 8 No. 1 (2025): Al-Musthofa: Journal of Sharia Economics
Publisher : Program Studi Ekonomi Syariah Fakultas Ekonomi dan Bisnis Islam Institut Agama Islam Tarbiyatut Tholabah

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.58518/al-musthofa.v8i1.3969

Abstract

The high unemployment rate among Generation Z in Indonesia has created an urgency to promote entrepreneurship as an alternative solution, particularly through the utilization of e-commerce and Sharia entrepreneurship education. This study aims to determine the influence of e-commerce and entrepreneurship education on entrepreneurial interest among Sharia Economics students at Mulawarman University who utilize e-commerce and have taken the entrepreneurship course. This research employs a quantitative method. Data were collected via a questionnaire using Google Forms. The data analysis techniques include testing the validity and reliability of the instrument, classical assumption tests (normality, multicollinearity, and heteroscedasticity), and multiple linear regression analysis with hypothesis testing through partial t-tests. The results show that the e-commerce variable has a positive and significant effect on entrepreneurial interest. Likewise, the Sharia entrepreneurship education variable is proven to have a positive and significant influence on students’ entrepreneurial interest. This indicates the importance of integrating technology and Sharia entrepreneurial values in shaping independent and ethical entrepreneurial character.
Co-Authors Afifah Putri Wardana Isna Yuningsih Muh Shadiqul Fajri AF Rinna Ramadhan Ain Fitriah Swadia Gandhi Mahardika