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Yesa Cahayaning Ramadhani
Sekolah Tinggi Ilmu Ekonomi Indonesia (STIESIA), Surabaya, Indonesia

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Behavioral Approach, Sharia Business Model Canvas, And Interest in Sharia Fintech Development Among the Millennial Generation Yesa Cahayaning Ramadhani
Indonesian Interdisciplinary Journal of Sharia Economics (IIJSE) Vol 8 No 2 (2025): Sharia Economics
Publisher : Universitas KH. Abdul Chalim Mojokerto

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.31538/iijse.v8i2.5831

Abstract

As time goes by, now we have entered the Era of Industrial Revolution 4.0, which is based on technology and the internet in Indonesia, encouraging the growth of innovation and demonstrating digital strategies that are in line with the desires and needs of society at this time, so that it will make it easier for people to carry out financial activities in various economic sectors. , including in the financial sector or what is commonly known as Financial Technology (Fintech). This research aims to test and analyze the Behavioral Approach, CANVAS Sharia Business Model, and Interest in Sharia Fintech Development in the Millennial Generation. The population in this research is fintech users in the millennial generation. The sampling technique was carried out using an accidental sampling technique. The sample that will be selected is the millennial generation. The data obtained is quantitative and this method uses a questionnaire which is measured using a Likert scale. Testing research hypotheses using SEM. The results of the research show that: consumer behavior has a significant positive effect on the development of Sharia fintech in the millennial generation, the canvas business model has a significant positive effect on the development of Sharia fintech in the millennial generation, consumer interest has a significant positive effect on the development of sharia fintech in the millennial generation.
The Impact of Inflation, Interest Rates, Exchange Rates, and Money Supply on IHSG Yesa Cahayaning Ramadhani; Ari Kartiko; Ella Mayasari
Indonesian Interdisciplinary Journal of Sharia Economics (IIJSE) Vol 7 No 3 (2024): Sharia Economics
Publisher : Universitas KH. Abdul Chalim Mojokerto

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.31538/iijse.v7i3.6223

Abstract

This research was motivated by the Composite Stock Price Index (IHSG), which at that time experienced fluctuations up and down in line with economic and political activity. At that time, fluctuations in joint stock prices were caused by macroeconomic factors, one of which was inflation, increases in interest rates, foreign exchange rates, money supply, and others. These macroeconomic factors greatly influence the performance of the Composite Stock Price Index (IHSG), especially accompanied by the emergence of Covid-19 which has had a very negative impact on the entire Indonesian economy. This research aims to determine the effect of inflation, interest rates, exchange rates, and money supply on the composite stock price index (IHSG) during the COVID-19 pandemic. This research uses a quantitative approach with an associative type of research. The research data used is secondary data with Indonesian research samples in the 2018-2022 period. The analysis technique used is multiple linear analysis using SPSS 25. From the research results, it can be concluded that partially this research shows that the variables inflation, interest rates, and money supply each have a positive and significant effect on the composite stock price index (IHSG). Meanwhile, the exchange rate variable negatively and significantly affects the composite stock price index (IHSG). Meanwhile, the variables inflation, interest rates, exchange rates, and money supply simultaneously positively and significantly influenced the composite stock price index (IHSG) during the 2018-2022 Covid pandemic.