Articles
<![CDATA[The Role of Digital Banking Industry Towards Consumer Behavior During The Covid 19 ]]>
<![CDATA[Aniqoh, Nur Aini Fitriya Ardiani]]>;
<![CDATA[Nihayah, Ana Zahrotun]]>;
<![CDATA[Amalia, Farah]]>
<![CDATA[ Journal of Digital Marketing and Halal Industry Vol 4, No 2 (2022) ]]>
Publisher : <![CDATA[Fakultas Ekonomi dan Bisnis Islam UIN Walisongo ]]>
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DOI: 10.21580/jdmhi.2022.4.2.13378
<![CDATA[Covid 19 has had an impact on various changes, especially with the revolution towards a digital base, one of which is the banking system. This study aims to analyze the role of the digital banking industry in consumer behavior during Covid 19. The general objective of this research is to assist the government in determining appropriate policies regarding the digital banking industry. Referring to the formulation of the problem, this research uses a qualitative descriptive approach. Descriptive method is a method that describes an objective event or certain events based on visible or proper facts which are then accompanied by efforts to make general conclusions based on these historical facts. The Covid 19 pandemic has had a significant impact on the Indonesian economy due to a policy implemented by the government which prohibits people from gathering in large numbers. This policy makes people get used to utilizing various financial technologies to carry out their lives. Therefore, banks must accelerate the use of digital banking services. The implementation of digital banking can accelerate public acceptance of digital transformation. The banking industry needs to take advantage of the conditions of the Covid-19 pandemic to accelerate digital investment and further increase efficiency. Basically, banking has been carrying out digital innovations for a long time, including in the development of mobile banking and a number of other applications and platforms. This research will provide policy benefits in strengthening government institutions, especially the banking industry to control the implementation of digital banking in Indonesia so that it has a positive impact on consumer behavior.]]>
<![CDATA[Digital Marketing Strategy on Agricultural Product (Case Study : UD Amalia Demak) ]]>
<![CDATA[Amalia, Farah]]>;
<![CDATA[Widyakto, Ady]]>;
<![CDATA[Parpti NSS, Lulus]]>
<![CDATA[ Economics and Business Solutions Journal Vol. 5 No. 1 (2021): Economics and Business Solutions Journal ]]>
Publisher : <![CDATA[Universitas Semarang ]]>
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DOI: 10.26623/ebsj.v5i1.3338
<![CDATA[Offline marketing in agricultural products needs high cost. The high cost of marketing results in a less competitive selling price. Digital marketing is the right solution to this problem. This study aims to analyze the right digital marketing strategy for the company. The analytical method used is the analysis of Sostacs and Aida. The research result states that the company combines offline and online marketing. The media used are the marketplace and social media. The marketplace Agromaret focused on providing complete information regarding massive products and promotions to drive sales transactions. Meanwhile, Social media facebook is focused on building relationships with customers and personal closeness to create customer loyalty.]]>
<![CDATA[Creative accounting from an Islamic perspective: viewed from sadd al dzari’ah concept ]]>
<![CDATA[Istiariani, Irma]]>;
<![CDATA[Wahyuni, Andi Sri]]>;
<![CDATA[Amalia, Farah]]>
<![CDATA[ Journal of Islamic Accounting and Finance Research Vol 6, No 1 (2024) ]]>
Publisher : <![CDATA[Universitas Islam Negeri (UIN) Walisongo Semarang ]]>
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DOI: 10.21580/jiafr.2024.6.1.19963
<![CDATA[Purpose - This study aims to determine how Islamic Perspective views creative accounting practices that have been happening in Indonesia if viewed from the Sadd Al dzari`ah ConceptMethod - The method used in this research is qualitative with a library research approach. The case discussed in this study is creative accounting conducted by many companies in Indonesia, as viewed from the Sadd Al dzari`ah Concept.Result - The results of this study shows that creative accounting practices in many companies in Indonesia are not follow Islamic perspectives if viewed from the Sadd Al dzari`ah Concept.Implication - This research emphasizes that management should always identify all creative accounting techniques to avoid the occurrence of creative accounting.Originality - Similar research related to creative accounting has been conducted. Still, the research about creative accounting has been widely reviewed from the Islam perspective, especially Sadd Al dzari`ah concept, which has never been done. This research contributes to how creative accounting practices are viewed from the Islamic prespective, especially from the Sadd Al dzari`ah concept.]]>
<![CDATA[Does altruistic impact investment decision? evidence from Indonesia ]]>
<![CDATA[Amalia, Farah]]>;
<![CDATA[Putriani, Adellia]]>;
<![CDATA[Mangifera, Liana]]>;
<![CDATA[Suhardjo, Yohanes]]>
<![CDATA[ Journal of Islamic Accounting and Finance Research Vol. 4 No. 2 (2022) ]]>
Publisher : <![CDATA[Universitas Islam Negeri Walisongo Semarang ]]>
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DOI: 10.21580/jiafr.2022.4.2.12581
<![CDATA[Purpose - The purpose of this study was to examine the effect of altruistic and egoistic as behavioral variables on socially responsible investment decision. This paper also investigates the aspects that investors consider the most in making decisions.Method - A total of 108 sample respondents were selected using a purposive sampling technique. The criteria used are capital market study group students who have at least one ethical stock in their portfolio. Conjoint and regression analysis were involved to conduct the research.Result - The results showed that the investment attributes that investors prioritize are industry focus followed by return and risk. Furthermore, the most preferred industry focus is ‘sustainable asset’ followed by ‘no focus’ and ‘arms and defense’. Investment preferences in sustainable assets are based on the altruistic value of investors. Altruism has been shown to have a significant positive effect on investors' decisions to invest their funds in stock which belong to socially responsible investment. On the other hand, the egoistic value has a significant negative effect on the decision to invest in socially responsible investment.Implication - By looking at the research result, companies as stock issuers may consider to create or make their stock sustainable. This research would be beneficial for investment analysts or consultants in providing advice for their clients.Originality - This research uses altruistic and egoistic variables as psychological variables in investment decisions. In addition to using behavioral finance, it also involves value-belief-norm theory to explain the phenomena and discuss altruistic value in Islam perspective.]]>
<![CDATA[Membangun Jembatan Antara Teori dan Praktik: Pengalaman Magang Mahasiswa Akuntansi ]]>
<![CDATA[Andini, Shafiana Eka]]>;
<![CDATA[Shofiana, Destria Putri]]>;
<![CDATA[Dina, Risa Tsikma]]>;
<![CDATA[Muna, Nailul]]>;
<![CDATA[Amalia, Farah]]>
<![CDATA[ Jurnal Pengabdian Masyarakat Bangsa Vol. 3 No. 3 (2025): Mei ]]>
Publisher : <![CDATA[Amirul Bangun Bangsa ]]>
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DOI: 10.59837/jpmba.v3i3.2295
<![CDATA[Program magang merupakan salah satu solusi efektif untuk menjembatani kesenjangan antara teori dan praktik dalam pendidikan akuntansi, karena program magang memungkinkan mahasiswa untuk mendapatkan pengalaman praktis di lapangan untuk menerapkan teori yang telah mereka pelajari dan mengembangkan keterampilan praktis yang diperlukan. Salah satu tempat magang yang relevan untuk mahasiswa akuntansi adalah Kantor Akuntan Publik (KAP). Metode yang digunakan dalam pengabdian ini melibatkan langsung mahasiswa yang ditempatkan di KAP Chaeroni & Rekan. Hasil program magang ini dapat meningkatkan kemampuan mahasiswa dalam bidang audit serta akuntansi. Dan juga dapat menerapkan teori serta praktik yang tidak didapatkan selama ini di perkuliahan.]]>
<![CDATA[Are There Financial Sacrifices in Ethical Investing? A Comparative Study of Indonesia and Malaysia ]]>
<![CDATA[Amalia, Farah]]>;
<![CDATA[Ismail, Shafinar]]>;
<![CDATA[Fauzi, Muchamad]]>;
<![CDATA[Mohd Nor, Amirudin]]>
<![CDATA[ Journal of Indonesian Economy and Business Vol 40 No 3 (2025): September ]]>
Publisher : <![CDATA[Faculty of Economics and Business, Universitas Gadjah Mada ]]>
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DOI: 10.22146/jieb.v40i3.11007
<![CDATA[Introduction/Main Objectives: Ethical investment in Southeast Asia is gaining traction, particularly in countries like Indonesia and Malaysia. This research aims to measure the performance of ethical investments and compare them with their opposite category, sin stocks. Investors should avoid sin stocks because they operate in controversial areas and go against ethical investment principles. Background Problems: Previous research conducted in developed countries shows that ethical investments are inferior to sin stocks, thus investors suffer financial sacrifices. Novelty: A comprehensive ethical investment instrument that involves sustainability and religion-based investments. Formation of sin stock portfolios in two Muslim countries. Research Methods: A volatility analysis and a descriptive analysis were carried out to provide a comprehensive picture of the performance of ethical and sin stocks. The analysis continues by comparing and explaining why and how the results occurred. Finding/Results: Ethical stock returns underperformed sin stocks in Malaysia, and ethical stocks outperformed sin stocks in Indonesia. This exciting result can be explained by the differences in screening criteria, perceptions, and regulations in these two neighboring countries. Conclusion: There are no financial sacrifices in ethical investing in Indonesia, so ethical investors do not need to hesitate. They are advised to invest ethically because they achieve two goals at once. Meanwhile, Malaysian ethical investors must be prudent and careful in investing to continue achieving social goals and mitigating losses.]]>
<![CDATA[Financial Literacy and Financial Self-Efficacy to Improve Financial Bootstrapping and business performance ]]>
<![CDATA[Mardika, Dhoni Rizky Widya]]>;
<![CDATA[Listiani, Nur]]>;
<![CDATA[Amalia, Farah]]>
<![CDATA[ JURNAL KEWIRAUSAHAAN, AKUNTANSI DAN MANAJEMEN TRI BISNIS Vol 7 No 1a (2025): Jurnal Kewirausahaan, Akuntansi, dan Manajemen (Special Issue) ]]>
Publisher : <![CDATA[STIE Tri Bhakti ]]>
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DOI: 10.59806/jkamtb.v7iSpecial Issue 1.613
<![CDATA[Analyzing the impact of financial self-efficacy and financial literacy on financial bootstrapping is the aim of this study. Additionally, this study looked at how financial bootstrapping affected the performance of businesses. The importance of financial bootstrapping as a tactic to be used in circumstances where capital is limited is clarified by this study for MSME. MSMEs are expected to need to increase their financial self-efficacy and financial literacy in order to improve financial bootstrapping. Purposive sampling methods were employed to collect data from MSME in Indonesia's Central Java Province. A total of 520 samples were tested using structural equation modeling. Financial bootstrapping is positively and statistically significantly impacted by financial self-efficacy and financial literacy. Business performance is significantly and favorably impacted by financial bootstrapping. Given the narrow focus of this study, it is conceivable that the limited economic circumstances of each micro, small, and medium-sized business (MSME) may make the use of financial bootstrapping difficult in other situations. To sustain positive business performance in the early phases of their venture, entrepreneurs may use financial bootstrapping strategies. The organization needs to improve financial self-efficacy and financial literacy in order to make financial bootstrapping easier to implement. The government might raise awareness of the importance of financial management and provide financial literacy training to encourage efficient financial management. Several studies have looked into how financial bootstrapping affects business performance and have found that it can have a favorable effect on a company's success. Nevertheless, no study has been done to look at the variables that could influence financial bootstrapping. The conclusion of this study is that the higher the financial literacy and self-efficacy, the more financial bootstrapping increases, besides that financial bootstrapping can improve business performance.]]>
<![CDATA[The Role of Digital Banking Industry Towards Consumer Behavior During The Covid 19 ]]>
<![CDATA[Aniqoh, Nur Aini Fitriya Ardiani]]>;
<![CDATA[Nihayah, Ana Zahrotun]]>;
<![CDATA[Amalia, Farah]]>
<![CDATA[ Journal of Digital Marketing and Halal Industry Vol. 4 No. 2 (2022) ]]>
Publisher : <![CDATA[Fakultas Ekonomi dan Bisnis Islam UIN Walisongo ]]>
Show Abstract
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DOI: 10.21580/jdmhi.2022.4.2.13378
<![CDATA[Covid 19 has had an impact on various changes, especially with the revolution towards a digital base, one of which is the banking system. This study aims to analyze the role of the digital banking industry in consumer behavior during Covid 19. The general objective of this research is to assist the government in determining appropriate policies regarding the digital banking industry. Referring to the formulation of the problem, this research uses a qualitative descriptive approach. Descriptive method is a method that describes an objective event or certain events based on visible or proper facts which are then accompanied by efforts to make general conclusions based on these historical facts. The Covid 19 pandemic has had a significant impact on the Indonesian economy due to a policy implemented by the government which prohibits people from gathering in large numbers. This policy makes people get used to utilizing various financial technologies to carry out their lives. Therefore, banks must accelerate the use of digital banking services. The implementation of digital banking can accelerate public acceptance of digital transformation. The banking industry needs to take advantage of the conditions of the Covid-19 pandemic to accelerate digital investment and further increase efficiency. Basically, banking has been carrying out digital innovations for a long time, including in the development of mobile banking and a number of other applications and platforms. This research will provide policy benefits in strengthening government institutions, especially the banking industry to control the implementation of digital banking in Indonesia so that it has a positive impact on consumer behavior.]]>
