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All Journal Jurnal Ilmu Manajemen (JIM) Jurisprudensi: Jurnal Ilmu Syariah, Perundang-undangan, Ekonomi Islam
Tsaqyfa, Mazaya Najmy
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Religion Humanities Decision Sciences, Operations Research & Management Economics, Econometrics & Finance Law, Crime, Criminology & Criminal Justice

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Meneropong maraknya pinjaman online di kalangan mahasiswa: motif dan dampak terhadap perilaku konsumtif Hidayah, Fitriana Nurochmatul; Nugroho, Bima Setyo; Ardiati, Aulia Rizky; Tsaqyfa, Mazaya Najmy; Hakim, M. Akmal; Ridlwan, Ahmad Ajib
Jurnal Ilmu Manajemen Vol 11 No 4 (2023)
Publisher : Universitas Negeri Surabaya

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.26740/jim.v11n4.p821-832

Abstract

This research examines and analyzes the influence of lifestyle, advertising, and ease of access on consumptive behaviour, as well as the influence of consumptive behaviour on interest in online loans and the influence of lifestyle on interest in online loans, which is moderated by consumptive behaviour. The quantitative method used in this research was with a population and research sample of 169 students with sampling using the Slovin formula. The statistical analysis used in this research is the Structural Equation Model (SEM) approach with the help of SmartPLS 3.0 software. The results of this research show that lifestyle influences consumer behaviour. Apart from that, advertising and ease of access also have a positive and significant effect on consumer behaviour. Meanwhile, consumer behaviour also has a positive and significant effect on interest in online loans. Meanwhile, consumer behaviour also moderates the relationship between lifestyle and online loans. Based on the research results, the theoretical implication of this research is that lifestyle, ease of access, and advertising can influence a person's consumptive lifestyle, which can direct someone to online loans, so students must pay attention to spending for future needs, so that the dangerous impacts caused by loans online may be reduced during the study period. Meanwhile, this research it can be used as input for students regarding their responsibilities in managing finances and creating awareness to reduce consumer lifestyles, which can lead them to online loans which have several negative impacts.
The The Influence of the Islamic Entrepreneurship Spiritual Perspective, Islamic Entrepreneurship Business Perspective, and E-Commerce Adoption on Business Performance among Muslim Women Entrepreneurs Tsaqyfa, Mazaya Najmy; Ridlwan, Ahmad Ajib; Susilowati, Fitriah Dwi; Timur, Yan Putra
Jurisprudensi: Jurnal Ilmu Syariah, Perundang-Undangan dan Ekonomi Islam Vol 17 No 2 (2025): Jurisprudensi: Jurnal Ilmu Syariah, Perundang-Undangan dan Ekonomi Islam
Publisher : State of Islamic Institute Langsa

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.32505/jurisprudensi.v17i2.11405

Abstract

The development of digital technology and the values of Islamic entrepreneurship can serve as an important foundation for improving business performance, particularly for Muslim women entrepreneurs. However, in reality, many business actors still face limitations in optimally integrating spiritual perspectives, Islamic business ethics, and the use of digital technology. This study aims to analyze the influence of Islamic Entrepreneurship Spiritual Perspective, Islamic Entrepreneurship Business Perspective, and E-Commerce Adoption on Business Performance among Muslim women entrepreneurs in Surabaya. The research methodology employs a quantitative approach with primary data obtained through the distribution of online questionnaires. The sampling technique used is purposive sampling with a total of 129 respondents. Data analysis was conducted using Structural Equation Modeling – Partial Least Square (SEM-PLS) with the SmartPLS 4.0 software. The findings indicate that the Islamic Entrepreneurship Spiritual Perspective, Islamic Entrepreneurship Business Perspective, and E-Commerce Adoption have a positive effect on Business Performance among Muslim women entrepreneurs in Surabaya.
Co-Authors Ahmad Ajib Ridlwan Ardiati, Aulia Rizky Fitriah Dwi Susilowati Hakim, M. Akmal Hidayah, Fitriana Nurochmatul Nugroho, Bima Setyo Yan Putra Timur