Dinamis : Journal of Islamic Management and Bussiness
DINAMIS: Journal of Islamic Mangement and Bussines is published and managed by Program Studi Manajemen Bisnis Syariah. The journal focuses on Accounting, Business, Economics, Finance and Management studies. It is published twice a year, April and October. The aim of the journal is to disseminate the accounting, business, economics, finance, and management researches done by researchers both from Indonesian and overseas.
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<![CDATA[PERAN KREDIT USAHA RAKYAT BAGI PERKEMBANGAN USAHA MIKRO DI KECAMATAN LAMASI KABUPATEN LUWU ]]>
<![CDATA[Asri, M. Aditia]]>
<![CDATA[ Dinamis : Journal of Islamic Management and Bussiness Vol. 6 No. 2 (2023): Oktober: Journal of Islamic Management and Bussiness ]]>
Publisher : <![CDATA[Institut Agama Islam Negeri Palopo ]]>
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DOI: 10.24256/dinamis.v6i2.6186
<![CDATA[Penelitian ini membahas tentang Peran Kredit Usaha Rakyat bagi Pengembangan Usaha Mikro di Kecamatan Lamasi, Kabupaten Lamasi, Penelitian ini bertujuan untuk mendeskripsikan peran Kredit Usaha Rakyat (KUR) bagi Pengembangan Usaha Mikro di Kecamatan Lamasi, Kabupaten Luwu. Skripsi ini membahas tentang Peran Kredit Usaha Rakyat untuk Pengembangan Usaha Mikro di Kecamatan Lamasi, Kabupaten Lamasi, Penelitian ini bertujuan untuk mendeskripsikan peran Kredit Usaha Rakyat (KUR) bagi Pengembangan Usaha Mikro di Kecamatan Lamasi, Kabupaten Luwu. Hasil penelitian menunjukkan bahwa penyaluran program Kredit Usaha Rakyat (KUR) di Kabupaten Lamasi harus melalui beberapa tahapan mulai dari penawaran hingga pencairan Kredit Usaha Rakyat (KUR) kepada nasabah. Tahapan yang akan dilalui meliputi inisiasi, analisis, dan persetujuan. Setelah pencairan dana Kredit Usaha Rakyat (KUR), ada tahap selanjutnya yang disebut pasca kontrak. Tahapan pasca kontrak meliputi restrukturisasi dan pemeliharaan setelah Kredit Usaha Rakyat (KUR) dicairkan. Kemudian dari hasil analisis perkembangan Usaha Mikro, setelah menggunakan fasilitas dana Kredit Usaha Rakyat (KUR), terjadi peningkatan dari segi penjualan atau omzet pendapatan, peningkatan jumlah pelanggan dan peningkatan volume kualitas produk, menunjukkan perubahan signifikan setelah menggunakan Kredit Usaha Rakyat (KUR) yang ditandai dengan terpenuhinya ketiga indikator pengembangan usaha tersebut. Pemberian Kredit Usaha Rakyat (KUR) oleh bank kepada pelaku Usaha Mikro memberikan dampak positif yang signifikan terhadap peningkatan kinerja Usaha Mikro, yang dapat dilihat dari selisih keuntungan sebelum dan sesudah menerima Kredit Usaha Rakyat (KUR).]]>
<![CDATA[DETERMINAN MINAT MENABUNG MASYARAKAT PADA BSI KCP RATULANGI PALOPO DENGAN RELIGIUSITAS SEBAGAI VARIABEL MODERASI (STUDI KASUS MASYARAKAT KOTA PALOPO ]]>
<![CDATA[Aulia, Aulia]]>
<![CDATA[ Dinamis : Journal of Islamic Management and Bussiness Vol. 6 No. 2 (2023): Oktober: Journal of Islamic Management and Bussiness ]]>
Publisher : <![CDATA[Institut Agama Islam Negeri Palopo ]]>
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DOI: 10.24256/dinamis.v6i2.6187
<![CDATA[This study aims to find out whether knowledge, promotion, facilities, and location factors affect people's interest in saving at BSI KCP Ratulangi Palopo. And whether religiosity as a mederation variable can strengthen/increase the factors of knowledge, promotion, facilities and location on the interest in saving. This type of research is quantitative descriptive. The data collection technique in this study uses a questionnaire/questionnaire, which is distributed online to the people of Palopo City who use Sharia banks. The results of the study showed that the variables of knowledge had no effect on interest in saving while the variables of promotion, facilities, and location had a significant effect on interest in saving and religiosity moderated the variables of knowledge, promotion, facilities, and location on interest in saving at BSI KCP Ratulangi Palopo. Keywords: Knowledge, promotion, facilities, location, religion, interest in saving.]]>
<![CDATA[APAKAH GAYA HIDUP, KEMUDAHAAN PENGGUNAAN, DAN KEAMANAN TERHADAP KEPUTUSAN PENGGUNAAN MOBILE BANKING PADA GENERASI Z: BUKTI EMPIRIS MAHASISWA IAIN PALOPO ]]>
<![CDATA[esya, bunga]]>
<![CDATA[ Dinamis : Journal of Islamic Management and Bussiness Vol. 6 No. 2 (2023): Oktober: Journal of Islamic Management and Bussiness ]]>
Publisher : <![CDATA[Institut Agama Islam Negeri Palopo ]]>
Show Abstract
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Download Original
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Check in Google Scholar
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DOI: 10.24256/dinamis.v6i2.6188
<![CDATA[This study aims to determine the effect of lifestyle, ease of use, and security on the decision to use mobile banking in Generation Z. In the digital era like today the behavior of generation to generation has changed a lot, especially in terms of conducting banking transactions, which prioritizes aspects of ease of use, security and according to the lifestyle of gen Z in today's digital era. The convenience of mobile banking transaction services is able to change lifestyles, especially among students. This research method is quantitative with a descriptive approach. The data collection technique in this study used a questionnaire, which was distributed online to FEBI students, with a total population of 2,430 students of the Faculty of Economics and Islamic Business at IAIN Palopo. The sample used with the Slovin technique formula was 99 students. The data analysis technique used is data analysis test, classical assumption test and hypothesis testing. The results of this study indicate that, the lifestyle variable (X1) partially has a significant and positive effect on the decision to use mobile banking in generation Z. This can be seen from the Thitung value of X1. This can be seen that the value of Tcount> Ttable. Then the ease of use variable (X2) partially has a significant and positive effect on the decision to use mobile banking. This can be seen that the value of Tcount> Ttable. And the security variable has a significant and positive effect on the decision to use mobile banking in generation Z. This can be seen that the value of Tcount> Ttable. Finally, the lifestyle, ease of use and security variables simultaneously have a significant and positive effect on the decision to use mobile banking in generation Z. This can be seen that Fcount> Ttable. So it can be concluded that Ha is accepted and Ho is rejected.]]>
<![CDATA[PENGARUH PROGRAM KELUARGA HARAPAN DAN GAYA HIDUP TERHADAP KESEJAHTERAAN MASYARAKAT PENERIMA PROGRAM KELUARGA HARAPAN DI KOTA PALOPO ]]>
<![CDATA[nurhasana, husni]]>
<![CDATA[ Dinamis : Journal of Islamic Management and Bussiness Vol. 6 No. 2 (2023): Oktober: Journal of Islamic Management and Bussiness ]]>
Publisher : <![CDATA[Institut Agama Islam Negeri Palopo ]]>
Show Abstract
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DOI: 10.24256/dinamis.v6i2.6189
<![CDATA[This thesis discusses the Influence of the Family Hope Program (PKH) and Lifestyle on the Welfare of Communities Recipients of the Family Hope Program (PKH) in Palopo City. This research aims to determine the influence of the Family Hope Program (PKH) on the welfare of PKH recipient communities in Palopo City in part, to determine the influence of Lifestyle on the welfare of PKH recipient communities in Palopo City in part, and to determine the effect of the Family Hope Program (PKH) and Lifestyle on the welfare of PKH recipient communities in Palopo City simultaneously. This type of research is quantitative to examine the influence of the Family Hope Program (PKH) and lifestyle on the welfare of the people who receive the Family Hope Program (PKH) in Palopo City. The population in this study were recipients of the Family Hope Program (PKH) in Palopo City. Sampling in this study used a simple random sampling technique and determined the number of samples using the Slovin formula. Based on this formula, the number of samples used was 99 people. Data was obtained through observation and questionnaires. Furthermore, this research data was processed using multiple linear regression analysis, t test, F test and coefficient of determination test. The results of this research show that the Family Hope Program (PKH) variable (X1) has a positive and significant effect on Community Welfare with a tcount value of 10.187 > ttable value 1.984 (Y) Lifestyle (X2) has a positive and significant effect on Community Welfare with a tcount value of 6.118 > ttable value 1.984 (Y) recipients of the family hope program in Palopo City. The Family Hope Program (X1) Lifestyle (X2) simultaneously has a significant effect on community welfare with an Fcount value of 107, 594 > Ftable value 3,090 (Y) for recipients of the Family Hope Program in Palopo City. The ability of the Family Hope Program (PKH) (X1) and Lifestyle (X2) in explaining the influence on community welfare (Y) of recipients of the Family Hope Program (PKH) in Palopo City is 68.5% and the remaining 31.5% is explained by other variables not included in the research. Keywords: Lifestyle, Family Hope Program, Community Welfare]]>
<![CDATA[PENGARUH GAYA HIDUP, PENDAPATAN DAN SELERA KONSUMEN TERHADAP KEPUTUSAN PEMBELIAN PADA USAHA KULINER ASING ]]>
<![CDATA[rukaiyah, siti]]>
<![CDATA[ Dinamis : Journal of Islamic Management and Bussiness Vol. 6 No. 2 (2023): Oktober: Journal of Islamic Management and Bussiness ]]>
Publisher : <![CDATA[Institut Agama Islam Negeri Palopo ]]>
Show Abstract
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DOI: 10.24256/dinamis.v6i2.6190
<![CDATA[This research aims to analyze the partial influence of lifestyle on purchasing decisions in foreign culinary businesses, the partial influence of income on purchasing decisions in foreign culinary businesses, the partial influence of consumer preferences on purchasing decisions in foreign culinary businesses, and the simultaneous influence of lifestyle, income, and consumer preferences on purchasing decisions in foreign culinary businesses. This research is quantitative, employing Proportionate Stratified Random Sampling for sample collection, resulting in a sample size of 393 individuals. Data were collected through observation and questionnaires distributed to respondents. The analytical techniques used include descriptive statistical analysis and a binary logistic regression model, which encompasses multicollinearity tests, simultaneous tests (omnibus test of model coefficients), individual tests (Wald test), model fit tests (Hosmer and Lemeshow test), model interpretation, model classification accuracy, and the determination coefficient test (Nagelkerke R Square). The results of this study indicate that Lifestyle (X1) and Consumer Preferences (X3) have a significant partial influence on Purchasing Decisions (Y), while Income (X2) does not have a partial influence on Purchasing Decisions (Y). The simultaneous influence of Lifestyle, Income, and Consumer Preferences directly affecting Purchasing Decisions is 38.4%.]]>
<![CDATA[PERAN KREDIT USAHA RAKYAT BAGI PERKEMBANGAN USAHA MIKRO DI KECAMATAN LAMASI KABUPATEN LUWU ]]>
<![CDATA[Asri, M. Aditia]]>
<![CDATA[ Dinamis : Journal of Islamic Management and Bussiness Vol. 6 No. 2 (2023): Oktober: Journal of Islamic Management and Bussiness ]]>
Publisher : <![CDATA[Institut Agama Islam Negeri Palopo ]]>
Show Abstract
|
Download Original
|
Original Source
|
Check in Google Scholar
|
DOI: 10.24256/dinamis.v6i2.6186
<![CDATA[Penelitian ini membahas tentang Peran Kredit Usaha Rakyat bagi Pengembangan Usaha Mikro di Kecamatan Lamasi, Kabupaten Lamasi, Penelitian ini bertujuan untuk mendeskripsikan peran Kredit Usaha Rakyat (KUR) bagi Pengembangan Usaha Mikro di Kecamatan Lamasi, Kabupaten Luwu. Skripsi ini membahas tentang Peran Kredit Usaha Rakyat untuk Pengembangan Usaha Mikro di Kecamatan Lamasi, Kabupaten Lamasi, Penelitian ini bertujuan untuk mendeskripsikan peran Kredit Usaha Rakyat (KUR) bagi Pengembangan Usaha Mikro di Kecamatan Lamasi, Kabupaten Luwu. Hasil penelitian menunjukkan bahwa penyaluran program Kredit Usaha Rakyat (KUR) di Kabupaten Lamasi harus melalui beberapa tahapan mulai dari penawaran hingga pencairan Kredit Usaha Rakyat (KUR) kepada nasabah. Tahapan yang akan dilalui meliputi inisiasi, analisis, dan persetujuan. Setelah pencairan dana Kredit Usaha Rakyat (KUR), ada tahap selanjutnya yang disebut pasca kontrak. Tahapan pasca kontrak meliputi restrukturisasi dan pemeliharaan setelah Kredit Usaha Rakyat (KUR) dicairkan. Kemudian dari hasil analisis perkembangan Usaha Mikro, setelah menggunakan fasilitas dana Kredit Usaha Rakyat (KUR), terjadi peningkatan dari segi penjualan atau omzet pendapatan, peningkatan jumlah pelanggan dan peningkatan volume kualitas produk, menunjukkan perubahan signifikan setelah menggunakan Kredit Usaha Rakyat (KUR) yang ditandai dengan terpenuhinya ketiga indikator pengembangan usaha tersebut. Pemberian Kredit Usaha Rakyat (KUR) oleh bank kepada pelaku Usaha Mikro memberikan dampak positif yang signifikan terhadap peningkatan kinerja Usaha Mikro, yang dapat dilihat dari selisih keuntungan sebelum dan sesudah menerima Kredit Usaha Rakyat (KUR).]]>
<![CDATA[DETERMINAN MINAT MENABUNG MASYARAKAT PADA BSI KCP RATULANGI PALOPO DENGAN RELIGIUSITAS SEBAGAI VARIABEL MODERASI (STUDI KASUS MASYARAKAT KOTA PALOPO ]]>
<![CDATA[Aulia, Aulia]]>
<![CDATA[ Dinamis : Journal of Islamic Management and Bussiness Vol. 6 No. 2 (2023): Oktober: Journal of Islamic Management and Bussiness ]]>
Publisher : <![CDATA[Institut Agama Islam Negeri Palopo ]]>
Show Abstract
|
Download Original
|
Original Source
|
Check in Google Scholar
|
DOI: 10.24256/dinamis.v6i2.6187
<![CDATA[This study aims to find out whether knowledge, promotion, facilities, and location factors affect people's interest in saving at BSI KCP Ratulangi Palopo. And whether religiosity as a mederation variable can strengthen/increase the factors of knowledge, promotion, facilities and location on the interest in saving. This type of research is quantitative descriptive. The data collection technique in this study uses a questionnaire/questionnaire, which is distributed online to the people of Palopo City who use Sharia banks. The results of the study showed that the variables of knowledge had no effect on interest in saving while the variables of promotion, facilities, and location had a significant effect on interest in saving and religiosity moderated the variables of knowledge, promotion, facilities, and location on interest in saving at BSI KCP Ratulangi Palopo. Keywords: Knowledge, promotion, facilities, location, religion, interest in saving.]]>
<![CDATA[APAKAH GAYA HIDUP, KEMUDAHAAN PENGGUNAAN, DAN KEAMANAN TERHADAP KEPUTUSAN PENGGUNAAN MOBILE BANKING PADA GENERASI Z: BUKTI EMPIRIS MAHASISWA IAIN PALOPO ]]>
<![CDATA[esya, bunga]]>
<![CDATA[ Dinamis : Journal of Islamic Management and Bussiness Vol. 6 No. 2 (2023): Oktober: Journal of Islamic Management and Bussiness ]]>
Publisher : <![CDATA[Institut Agama Islam Negeri Palopo ]]>
Show Abstract
|
Download Original
|
Original Source
|
Check in Google Scholar
|
DOI: 10.24256/dinamis.v6i2.6188
<![CDATA[This study aims to determine the effect of lifestyle, ease of use, and security on the decision to use mobile banking in Generation Z. In the digital era like today the behavior of generation to generation has changed a lot, especially in terms of conducting banking transactions, which prioritizes aspects of ease of use, security and according to the lifestyle of gen Z in today's digital era. The convenience of mobile banking transaction services is able to change lifestyles, especially among students. This research method is quantitative with a descriptive approach. The data collection technique in this study used a questionnaire, which was distributed online to FEBI students, with a total population of 2,430 students of the Faculty of Economics and Islamic Business at IAIN Palopo. The sample used with the Slovin technique formula was 99 students. The data analysis technique used is data analysis test, classical assumption test and hypothesis testing. The results of this study indicate that, the lifestyle variable (X1) partially has a significant and positive effect on the decision to use mobile banking in generation Z. This can be seen from the Thitung value of X1. This can be seen that the value of Tcount> Ttable. Then the ease of use variable (X2) partially has a significant and positive effect on the decision to use mobile banking. This can be seen that the value of Tcount> Ttable. And the security variable has a significant and positive effect on the decision to use mobile banking in generation Z. This can be seen that the value of Tcount> Ttable. Finally, the lifestyle, ease of use and security variables simultaneously have a significant and positive effect on the decision to use mobile banking in generation Z. This can be seen that Fcount> Ttable. So it can be concluded that Ha is accepted and Ho is rejected.]]>
<![CDATA[PENGARUH PROGRAM KELUARGA HARAPAN DAN GAYA HIDUP TERHADAP KESEJAHTERAAN MASYARAKAT PENERIMA PROGRAM KELUARGA HARAPAN DI KOTA PALOPO ]]>
<![CDATA[nurhasana, husni]]>
<![CDATA[ Dinamis : Journal of Islamic Management and Bussiness Vol. 6 No. 2 (2023): Oktober: Journal of Islamic Management and Bussiness ]]>
Publisher : <![CDATA[Institut Agama Islam Negeri Palopo ]]>
Show Abstract
|
Download Original
|
Original Source
|
Check in Google Scholar
|
DOI: 10.24256/dinamis.v6i2.6189
<![CDATA[This thesis discusses the Influence of the Family Hope Program (PKH) and Lifestyle on the Welfare of Communities Recipients of the Family Hope Program (PKH) in Palopo City. This research aims to determine the influence of the Family Hope Program (PKH) on the welfare of PKH recipient communities in Palopo City in part, to determine the influence of Lifestyle on the welfare of PKH recipient communities in Palopo City in part, and to determine the effect of the Family Hope Program (PKH) and Lifestyle on the welfare of PKH recipient communities in Palopo City simultaneously. This type of research is quantitative to examine the influence of the Family Hope Program (PKH) and lifestyle on the welfare of the people who receive the Family Hope Program (PKH) in Palopo City. The population in this study were recipients of the Family Hope Program (PKH) in Palopo City. Sampling in this study used a simple random sampling technique and determined the number of samples using the Slovin formula. Based on this formula, the number of samples used was 99 people. Data was obtained through observation and questionnaires. Furthermore, this research data was processed using multiple linear regression analysis, t test, F test and coefficient of determination test. The results of this research show that the Family Hope Program (PKH) variable (X1) has a positive and significant effect on Community Welfare with a tcount value of 10.187 > ttable value 1.984 (Y) Lifestyle (X2) has a positive and significant effect on Community Welfare with a tcount value of 6.118 > ttable value 1.984 (Y) recipients of the family hope program in Palopo City. The Family Hope Program (X1) Lifestyle (X2) simultaneously has a significant effect on community welfare with an Fcount value of 107, 594 > Ftable value 3,090 (Y) for recipients of the Family Hope Program in Palopo City. The ability of the Family Hope Program (PKH) (X1) and Lifestyle (X2) in explaining the influence on community welfare (Y) of recipients of the Family Hope Program (PKH) in Palopo City is 68.5% and the remaining 31.5% is explained by other variables not included in the research. Keywords: Lifestyle, Family Hope Program, Community Welfare]]>
<![CDATA[PENGARUH GAYA HIDUP, PENDAPATAN DAN SELERA KONSUMEN TERHADAP KEPUTUSAN PEMBELIAN PADA USAHA KULINER ASING ]]>
<![CDATA[rukaiyah, siti]]>
<![CDATA[ Dinamis : Journal of Islamic Management and Bussiness Vol. 6 No. 2 (2023): Oktober: Journal of Islamic Management and Bussiness ]]>
Publisher : <![CDATA[Institut Agama Islam Negeri Palopo ]]>
Show Abstract
|
Download Original
|
Original Source
|
Check in Google Scholar
|
DOI: 10.24256/dinamis.v6i2.6190
<![CDATA[This research aims to analyze the partial influence of lifestyle on purchasing decisions in foreign culinary businesses, the partial influence of income on purchasing decisions in foreign culinary businesses, the partial influence of consumer preferences on purchasing decisions in foreign culinary businesses, and the simultaneous influence of lifestyle, income, and consumer preferences on purchasing decisions in foreign culinary businesses. This research is quantitative, employing Proportionate Stratified Random Sampling for sample collection, resulting in a sample size of 393 individuals. Data were collected through observation and questionnaires distributed to respondents. The analytical techniques used include descriptive statistical analysis and a binary logistic regression model, which encompasses multicollinearity tests, simultaneous tests (omnibus test of model coefficients), individual tests (Wald test), model fit tests (Hosmer and Lemeshow test), model interpretation, model classification accuracy, and the determination coefficient test (Nagelkerke R Square). The results of this study indicate that Lifestyle (X1) and Consumer Preferences (X3) have a significant partial influence on Purchasing Decisions (Y), while Income (X2) does not have a partial influence on Purchasing Decisions (Y). The simultaneous influence of Lifestyle, Income, and Consumer Preferences directly affecting Purchasing Decisions is 38.4%.]]>
