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All Journal MALIA JESKaPe: Jurnal Ekonomi Syariah, Akuntansi dan Perbankan Jurnal Ekonomi, Manajemen Pariwisata dan Perhotelan
Yunanda Eka Putra
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Religion Humanities Decision Sciences, Operations Research & Management Economics, Econometrics & Finance Social Sciences

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Determinants of Customer Sharia Financial Management Behavior in Choosing Multiguna-Asn Financing Through Income Santi Arafah; Yunanda Eka Putra; Iskandar Muda; Andri Soemitra; Yusrizal
Jurnal Ekonomi Syariah, Akuntansi dan Perbankan (JESKaPe) Vol. 9 No. 1 (2025): Jurnal Ekonomi Syariah, Akuntansi dan Perbankan (JESKaPe)
Publisher : Institut Agama Islam Negeri Lhokseumawe

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.52490/jeskape.v9i1.6331

Abstract

This research aims to determine the determinant factors that influence sharia financial management behavior through income on mutliguna ASN financing at PT Bank Sumut Syariah KCPsy Marelan. The population and sample in this research were 98 customers who were registered in Mutliguna-ASN financing. Data analysis in this study used SEM-PLS analysis techniques. The results of the research conducted with a confidence level of 95% based on sig. 5%, states that sharia financial literacy, financial experience and sharia financial attitudes affect sharia financial management behavior, while income does not affect sharia financial management behavior. Individual income greatly contributes to managing their finances due to the desire and satisfaction factors that want to be fulfilled, especially in Multiguna-ASN financing. This financing is one of the ideal solutions for middle to lower class people who face economic limitations, because it provides easier and faster access to customers to obtain the funds needed, but this financing is only intended for ASN.
Does Sharia Investment Knowledge and Investment Experience on Choosing Sharia Mutual Fund Investment Through the Investor Lifestyle Santi Arafah; Yunanda Eka Putra; Iskandar Muda; Andri Soemitra; Yusrizal
MALIA: Jurnal Ekonomi Islam Vol 16 No 2 (2025)
Publisher : Department of Islamic Economics, Faculty of Islamic Religion, Yudharta University Pasuruan, East Java, Indonesia.

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.35891/ml.v16i2.6243

Abstract

Introduction: This research aims to determine the effect of Sharia investment knowledge and investment experience in choosing Sharia mutual fund investment. Sharia investment has an important role in economic development, in the form of job creation, increasing income and purchasing power, equitable economic circulation and increasing gross domestic product (GDP). Methods: The sample in this research were 100 investors registered with the Indonesia Stock Exchange. The data analysis technique used in this research uses SEM-PLS analysis techniques. Results: The results of the research conducted with a confidence level of 95% based on sig. 5%, stating that sharia investment knowledge, investment experience and lifestyle effect decision making in choosing Sharia mutual fund investment. Conclusion and suggestion: investors must have a good understanding of sharia investment knowledge and investment experience that is harmonized with the lifestyle of investors in investing in Sharia mutual funds in order to avoid future losses and in order to provide good benefits in the present and future
Pengembangan Pola Pikir Ekonomi Produktif pada Siswa SMK sebagai Persiapan Menghadapi Dunia Kerja dan Kewirausahaan Wardyatul Fuady Harahap; Yunanda Eka Putra; Akman Daulay
Jurnal Ekonomi, Manajemen Pariwisata dan Perhotelan Vol. 5 No. 1 (2026): Januari: Jurnal Ekonomi, Manajemen Pariwisata dan Perhotelan
Publisher : Lembaga Pengembangan Kinerja Dosen

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.55606/jempper.v5i1.5916

Abstract

The increasingly competitive world of work and business demands that young people develop a productive economic mindset from an early age. This study aims to analyze the importance of strengthening a productive economic mindset for vocational high school students in preparing them to enter the world of work and business. The activities included theoretical training, such as workshops, and digital marketing simulations using social media. The results showed a 56% increase in student understanding and a significant transformation in entrepreneurial mindsets across eight key aspects: growth mindset, innovation, resilience, adaptability, risk-taking, proactivity, creativity, and visionary thinking. This study used a qualitative descriptive approach using observation, interviews, and a literature review. The results indicate that economics learning activities and the entrepreneurship program contribute positively to the development of a productive, creative, and independent mindset in students. By strengthening this mindset, students are not only oriented towards being job seekers but also have the potential to become job creators.
Co-Authors Akman Daulay Andri Soemitra Iskandar Muda Santi Arafah Wardyatul Fuady Harahap Yusrizal