Claim Missing Document
Check
Articles

Found 3 Documents
Search

From Grey to Green: Transforming Informal Financial Practices Towards Sustainable Funding Alfina Rahmatia; Arief Dwi Saputra
IQTISHADIA Jurnal Ekonomi & Perbankan Syariah Vol. 12 No. 1 (2025): Vol. 12 No. 1 (2025)
Publisher : Institut Agama Islam Negeri Madura

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.19105/iqtishadia.v12i1.17513

Abstract

Informal financial practices, also known as grey finance, have always contributed to the economies of many countries, especially in communities with limited or no access to formal financing facilities. This study aims to address the transformation of these informal financial practices into sustainable financing mechanisms that align with the current global trend for green and ethical financial models. Sentiment and discourse analysis were used to understand the perceptions, motivations, and challenges from a financial transition perspective. The information is extracted from various empirical data in the form of interviews and textual data from previous research articles. Data analysis is conducted using Nvivo 12 software. Sentiment analysis helps identify the emotional tone of sentiments that describe the process of societal transformation. Discourse analysis is conducted in-depth to find the role tendencies in previous research. Among the discursive themes are trust, financial inclusion, environmental responsibility, and regulatory challenges significant in establishing a path toward sustainable finance. This study helps understand how informal financial practices can be restructured in line with ethical and sustainable financial principles while generating essential insights for policymakers and financial practitioners working at the intersection of grey and green finance. Ultimately, the study calls for an inclusive financial system sensitive to socio-economic and environmental variables. It promises to create a resilient and sustainable global financial system.
Application of Islamic Spiritual Intelligence as a MSMe Strategy in Post-Pandemic Arief Dwi Saputra; Alfina Rahmatia; Andi Azhar
International Journal of Islamic Business and Economics (IJIBEC) Vol 6 No 2 (2022): Volume 6 Nomor 2 Tahun 2022
Publisher : Universitas Islam Negeri K.H. Abdurrahman Wahid Pekalongan

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.28918/ijibec.v6i2.5701

Abstract

This study aims to investigate how Islamic spiritual intelligence is applied as a strategy for entrepreneurship in facing the post-pandemic. This study used a qualitative research strategy with a sample of 128 respondents. The root of the problem is reviewed from the literature review and strengthened by collecting data from the in-depth interview process. The data is processed using the Nvivo 12 application with coding similarity analysis then the results of the study are used as a reference and conclusions through the data obtained. The results of this study found that there are seven elements of spiritual intelligence from an Islamic perspective, namely faith, piety, morality, shiddîq (honest), amânah (responsible), tablîgh (conveying), fathânah (intelligent), discipline, visionary, and empathy. A review of the total percentage of 100% has the potential for Islamic entrepreneurship in achieving business sustainability in the ability of business actors to manage their business through attitudes and decision-making that rely on elements of Islamic spirituality intelligence.
Sadvertising and Sentiment: A Lexicon-Based YouTube Comment Analysis of Emotionally Resonant Thai Insurance Advertising Azhar, Andi; Arief Dwi Saputra; Alfina Rahmatia
Journal of Digital Marketing and Communication Volume 6 - Issue 1 - 2026
Publisher : Tecno Scientifica Publishing

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.53623/jdmc.v6i1.1169

Abstract

Sadvertising referred to the deliberate use of melancholic and empathetic narratives as a primary persuasive strategy in marketing communication. Although the genre had become commercially prominent, large-scale empirical evidence on how global audiences received such advertisements was still limited, and most prior sentiment studies had focused on product reviews or English-language Western markets rather than emotionally driven Southeast Asian advertising. This study examined whether emotionally resonant, narrative-driven advertising in the sadvertising genre produced predominantly positive sentiment among global digital audiences. A domain-adapted, rule-based lexicon sentiment analysis framework was applied to 2,498 YouTube comments scraped from a landmark Thai Life Insurance advertisement to quantify sentiment polarity, eight emotional response typologies, and engagement metrics across an 11-year observation window. The lexicon was constructed from established resources (VADER and the NRC Emotion Lexicon), extended with 30 emoji tokens and 47 negative terms specific to emotional advertising commentary, and validated against a 300-comment human-coded reference set with substantial inter-rater agreement (Cohen’s kappa = 0.79). Positive comments constituted 38.9% of the corpus (95% CI: 37.0–40.8%) compared to 6.4% negative comments (95% CI: 5.5–7.5%), yielding a positive-to-negative ratio of 6.04:1 (95% CI: 5.11–7.13). A chi-square goodness-of-fit test rejected the equal-proportions null hypothesis at p < 0.001 with a large effect size (Cohen’s w = 0.60). Crucially, 95.3% of crying-expression comments carried positive valence (95% CI: 92.8–97.0%), with a Cramer’s V of 0.51 and an odds ratio of 51.8 (95% CI: 32.36–82.91), empirically resolving the sad–positive paradox. Positive sentiment persisted across 11 years of engagement with no detectable temporal decay, and cross-cultural consistency was observed across at least 27 linguistic communities. The findings advanced sadvertising theory and carried direct implications for brand communication strategy in the digital era.