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INDONESIA
Jurnal Ekonomi dan Bisnis
Published by CV. Adiba Aisha Amira
ISSN : -     EISSN : 30218365     DOI : -
Core Subject : Economy,
Economics, Econometrics & Finance
Jurnal Ekonomi dan Bisnis adalah jurnal yang menerbitkan hasil penelitian, baik kajian teori maupun lapangan, baik secara umum maupun secara khusus yang berkaitan dengan bidang ekonomi dan bisnis.
Arjuna Subject : Ilmu Sosial - Ilmu Sosial (Lain-Lain)
Articles 30 Documents
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Search results for , issue "Vol. 2 No. 12 (2024): Desember" : 30 Documents clear
PENGARUH PERFORMANCE EXPECTANCY, EFFORT EXPECTANCY, DAN SOCIAL INFLUENCE TERHADAP BEHAVIORAL INTENTION PADA APLIKASI AJAIB Siti Holipah; Rizki Syaban Mulyasaputra; Mohamad Badar Fadlilah; Shauqi Rizqulloh Mahmudi
Jurnal Ekonomi dan Bisnis Vol. 2 No. 12 (2024): Desember
Publisher : ADISAM PUBLISHER

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Abstract

With the rapid advancement of digital technology, technology-based investment applications like Ajaib are becoming increasingly popular. This study aims to assess the influence of Performance Expectancy, Effort Expectancy, and Social Influence on Behavioral Intention to use the Ajaib application. The research employs a quantitative method with a survey approach using Google Forms, involving 124 respondents who have experience using the Ajaib application. Data analysis is conducted using Structural Equation Modeling (SEM) with the SmartPLS software. The results reveal that Effort Expectancy and Social Influence have a significant impact on Behavioral Intention, while Performance Expectancy does not have a significant effect. Additionally, Social Influence is found to significantly influence Performance Expectancy. These findings highlight the importance of ease of use and social influence in encouraging users’ intention to adopt investment applications. The practical implications of this study suggest that app developers should focus on these factors to boost user adoption.
PENGARUH PENGETAHUAN WAJIB PAJAK, KESADARAN WAJIB PAJAK DAN SANKSI PAJAK TERHADAP KEPATUHAN PELAKU E-COMMERCE DALAM MEMENUHI KEWAJIBAN PERPAJAKAN (STUDY KASUS WAJIB PAJAK ORANG PRIBADI PELAKU UMKM DI KOTA BUKITTINGGI) Anisa Sapitri; Habibatur Ridhah
Jurnal Ekonomi dan Bisnis Vol. 2 No. 12 (2024): Desember
Publisher : ADISAM PUBLISHER

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The aim of this research is to examine the influence of mandatory knowledge, taxpayer awareness and tax sanctions on taxpayer compliance in e-commerce business actors in Bukittinggi City. This type of research is quantitative. The object of this research is taxpayer knowledge, taxpayer awareness, tax sanctions and taxpayer compliance of e-commerce users. The primary data source is in the form of respondents’ answers to a questionnaire and the secondary is in the form of determining the population through the website so that a sample of 45 respondents is obtained. The unit of analysis used is individuals, namely taxpayers carrying out e-commerce businesses in Bukittinggi City. The data analysis used is descriptive statistics, data quality testing, classical assumption testing, and hypothesis testing using SPSS version 29. The results of this research show that taxpayer knowledge partially has a positive andsignificant effect on taxpayercompliance with e-commerceusers, then taxpayer awarenessand tax sanctionspartially have noeffect on taxpayercompliance with e-commerce users. Simultaneous test results, namely knowledge of tax regulations, taxpayer awareness and taxsanctions together (simultaneously) have a significant positive effect on e-commerce taxpayer compliance.
PENGARUH KEMUDAHAN AKSES DAN PERILAKU KONSUMTIF TERHADAP PENGGUNAAN SHOPEEPAY SEBAGAI ALAT PEMBAYARAN DIGITAL PADA MAHASISWA S-1 DAN D-4 FAKULTAS EKONOMI DAN BISNIS UNIVERSITAS NEGERI JAKARTA Ditto Habib Yudha Mahardhika; Ivan Fadhillah Syakieb; Muhammad Rizal Romdoni; Ravi Raditya Kurniadi
Jurnal Ekonomi dan Bisnis Vol. 2 No. 12 (2024): Desember
Publisher : ADISAM PUBLISHER

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This study aims to evaluate the impact of Ease of Access and Consumptive Behavior on the use of ShopeePay as a digital payment method. The approach used is a quantitative method, with data collected through questionnaires filled out by 58 active undergraduate and diploma students from the Faculty of Economics and Business at Universitas Negeri Jakarta, who are ShopeePay users. Data analysis was conducted using multiple linear regression with the assistance of SPSS and Stata software. The research findings indicate that both independent variables, Ease of Access and Consumptive Behavior, have a positive and significant influence, both partially and simultaneously, on the use of ShopeePay as a digital payment tool.
ANALISIS LITERASI KEUANGAN DIGITALISASI PADA MAHASISWA PERBANKAN SYARIAH DI UIN SJECH M. DJAMIL DJAMBEK BUKITTINGGI Haryono Haryono; Khadijah Nurani
Jurnal Ekonomi dan Bisnis Vol. 2 No. 12 (2024): Desember
Publisher : ADISAM PUBLISHER

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The purpose of this study was to determine how to manage money in digital financial literacy for Islamic Banking students at UIN Sjech M. Djamil Djambek Bukittinggi and to determine the obstacles and opportunities for students to improve digital financial literacy for Islamic Banking students at UIN Sjech M. Djamil Djambek Bukittinggi. This study uses a qualitative method in which researchers will try to find data information in the field or research place, understand and interpret the data and then the data is processed to be able to conclude the final results of the study. Data collection techniques use observation, interview and documentation methods. As well as data analysis techniques in this study using data collection methods, data reduction, data presentation and drawing conclusions. The results of the study show that the Analysis of Digital Financial Literacy in Islamic Banking Students at UIN Sjech M. Djamil Djambek Bukittinggi consists of basic personal finance, cash management, credit and debt management, saving, investment, risk management. Of the six indicators, Islamic Banking students understand financial literacy very well.
PENGARUH KUALITAS LAYANAN DAN KEPUASAN PELANGGAN TERHADAP LOYALITAS PELANGGAN PADA APLIKASI GOPAY Renandia Chandra Putri; Maysharoh; Daril Fajar Ardiyansyah
Jurnal Ekonomi dan Bisnis Vol. 2 No. 12 (2024): Desember
Publisher : ADISAM PUBLISHER

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Abstract

Financial technology (fintech) has influenced people's behavior in financial transactions, including the use of digital wallets such as GoPay. As mobile phone users and internet access increase, the use of GoPay continues to grow. However, competition with other platforms creates a need to understand user behavior, especially related to service quality and customer satisfaction. This study aims to analyze whether service quality and customer satisfaction affect GoPay user loyalty and whether customer satisfaction and service quality have a direct or indirect effect on customer loyalty through customer satisfaction on the GoPay application. This study uses a quantitative method, which is descriptive in nature which aims to describe the data that has been collected and then draw conclusions even though it is not general. The results of this study indicate that the Service Quality variable (X1) has a positive effect on Customer Satisfaction. This is evidenced by the p-value which shows ≤ 0.05 and t-statistic> 1.64 so that it meets the significance criteria. Then the Service Quality variable (X2) which also has a positive effect on User Loyalty as evidenced by the p-value ≤ 0.05 and t-statistic> 1.64, so that the results show a significant relationship. The last is the Customer Satisfaction variable (X3) also has a positive effect on User Loyalty. This is proven by the p-value ≤ 0.05 and t-statistic > 1.64 which meets the significance criteria.
PEMIKIRAN EKONOMI ISLAM DAN AKUNTANSI DI MASA DAULAH USTMANIYAH Putri Ayu Ramadhani; Mukhtar Lutfi; Nasrullah Bin Sapa
Jurnal Ekonomi dan Bisnis Vol. 2 No. 12 (2024): Desember
Publisher : ADISAM PUBLISHER

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Abstract

This study aims to demonstrate the practices and accounting thought during the Ottoman Empire period. The accounting developed during that time is a concept of Islamic accounting that emphasizes the religious aspects of society while also improving the effectiveness of financial record-keeping. This research is a literature review study using a historical approach from various sources and is classified as a bibliographic study. The findings of this research show that during the Ottoman period, Islamic accounting experienced significant development, and several theories emerged that combined both Islamic and conventional accounting practices of that time.
PENGARUH PEMBIAYAAN MURABAHAH DAN MUDHARABAH TERHADAP LABA BERSIH PT. BPRS HAJI MISKIN PANDAI SIKEK KEC. X KOTO KABUPATEN TANAH DATARSUMATRA BARAT Juniatul Adawiyah Tanjung; Cahya Agung Mulyana
Jurnal Ekonomi dan Bisnis Vol. 2 No. 12 (2024): Desember
Publisher : ADISAM PUBLISHER

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Abstract

This research aims to try and analyze the Net Profit of BPRS Haji Poor Smart Sikek. There are also several aspects analyzed that influence Net Profit, namely Murabahah and Mudharabah Financing. This research uses a quantitative approach using inferior information, namely information obtained from the Financial Services Authority's Sharia Banking Statistics (SPS OJK) based on monthly information for the period 2019-2022. The information collection instrument is based on BPRS Haji Miskin Information and the Financial Services Authority (OJK). ). The information analysis procedure used in this research is Multiple Linear Regression Analysis. The research results of partial multiple linear regression experiments prove that Murabahah Financing with a significant figure of 0.008, Mudharabah Financing with a significant figure of 0.111, has an important influence on Net Profit. Simultaneously, the totality of free elastics has an important impact on Net Profit, namely a significant number of 0.000≤ 0.05.
AKSESIBILITAS PEMBAYARAN BITCOIN DALAM PERSPEKTIF FIQH EKONOMI Erizal Candra Efendi; Wildan Hadi; Robi Harjoni Putra; Al Aziz; Hulwati; Duhriah
Jurnal Ekonomi dan Bisnis Vol. 2 No. 12 (2024): Desember
Publisher : ADISAM PUBLISHER

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This study examines the potential of Bitcoin as a payment tool that aligns with Islamic principles in the context of economic fiqh. Bitcoin, as a form of cryptocurrency, offers innovation in the global payment system, particularly for individuals and businesses in developing countries who are marginalized from traditional financial services. With its decentralized nature, Bitcoin can enhance payment accessibility and support financial inclusion. However, challenges such as price volatility, lack of clear regulations, and low financial literacy remain significant barriers to its adoption. This research uses a literature review method to explore how Bitcoin can function as a legitimate alternative in financial transactions, as well as to identify the existing challenges and opportunities. The findings show that while Bitcoin has great potential, comprehensive regulatory development and improved financial literacy are needed to maximize its effective use. This study contributes to the development of economic fiqh and the digital financial sector, and paves the way for policies that support the growth of Bitcoin as a beneficial payment tool for society, especially in areas with limited access to formal banking systems.
ANALISIS PENGAMBILAN KEPUTUSAN NASABAH MEMILIH PRODUK-PRODUK PEMBIAYAAN DI KOPERASI SYARIAH PEGAWAI RSUD Dr. ACHMAD MOCHTAR BUKITTINGGI Halisa Nugrah Lubis; Novera Martilova
Jurnal Ekonomi dan Bisnis Vol. 2 No. 12 (2024): Desember
Publisher : ADISAM PUBLISHER

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Abstract

The Sharia Cooperative of Employees of Dr. Achmad Mochtar Hospital, Bukittinggi, has seen a fluctuation in the number of clients of murabahah and jasat finance goods, which is what drove this research. Finding out how customers at the Sharia Cooperative of Employees of Dr. Achmad Mochtar Hospital in Bukittinggi makes decisions about financing products as the main goal of this study. We also want to know what problems customers face and how we can solve them. The data for this study came straight from the source, as it is a field study. A qualitative descriptive research approach is used in this study. Consumers of financial services offered by the Sharia Cooperative of Staff at Bukittinggi's Dr. Achmad Mochtar Hospital is the primary data set for this research. Observation, interviews, and documentation are the methods used to gather data in this study. Customer decision-making in choosing financing products at the sharia cooperative incorporates different elements, both financial and connected to sharia principles, according to the author's research. These factors include aligned principles, suggestions, and experiences; kinds of contracts and financing arrangements; the presence of narrow margins; and terms and conditions that must be in conformity with the fatwa and requirements of the DSN-MUI. Sharia Cooperative of Employees of Dr. Achmad Mochtar Hospital Bukittinggi continues to face customer-side barriers in the finance analysis. Due to a lack of knowledge of sharia principles, the client has difficulties. An educational program outlining the concepts and functioning of sharia could be provided by the Sharia Cooperative of Employees of Dr. Achmad Mochtar Hospital Bukittinggi as a solution. The Sharia Cooperative of Employees of Dr. Achmad Mochtar Hospital, Bukittinggi, has seen a fluctuation in the number of clients of murabahah and jasat finance goods, which is what drove this research. Finding out how customers at the Sharia Cooperative of Employees of Dr. Achmad Mochtar Hospital in Bukittinggi makes decisions about financing products as the main goal of this study. We also want to know what problems customers face and how we can solve them. The data for this study came straight from the source, as it is a field study. A qualitative descriptive research approach is used in this study. Consumers of financial services offered by the Sharia Cooperative of Staff at Bukittinggi's Dr. Achmad Mochtar Hospital is the primary data set for this research. Observation, interviews, and documentation are the methods used to gather data in this study. Customer decision-making in choosing financing products at the sharia cooperative incorporates different elements, both financial and connected to sharia principles, according to the author's research. These factors include aligned principles, suggestions, and experiences; kinds of contracts and financing arrangements; the presence of narrow margins; and terms and conditions that must be in conformity with the fatwa and requirements of the DSN-MUI. Sharia Cooperative of Employees of Dr. Achmad Mochtar Hospital Bukittinggi continues to face customer-side barriers in the finance analysis. Due to a lack of knowledge of sharia principles, the client has difficulties. An educational program outlining the concepts and functioning of sharia could be provided by the Sharia Cooperative of Employees of Dr. Achmad Mochtar Hospital Bukittinggi as a solution.
IMPLEMENTASI SERTIFIKASI HALAL PADA PRODUK UMKM DI DESA PANONGAN DALAM PRESPEKTIF HUKUM EKONOMI SYARIAH Annur Safitri Gusduriyah; Aflaha, Akhmad; Wahyudin, Moh.; Syukron, Syukron
Jurnal Ekonomi dan Bisnis Vol. 2 No. 12 (2024): Desember
Publisher : ADISAM PUBLISHER

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The main point in this research is regarding the Implementation of Certification for Halal Products in Panongan Village (Law Number 33 of 2014 concerning Halal Product Guarantees) regarding the obligation to certify halal food and beverage products for MSMEs in Panongan Village. This research uses a qualitative research method with an empirical juridical approach. Empirical approach research is legal research that is used to see how law is practiced, thus law is not only about the enactment or implementation of normative legal provisions on each particular event, but is also a social process and social institution. In this research, the author determined that the subjects in this research were MSME actors and PPH assistants in Panongan Village, while determining the object of this research was to determine the obligation to implement halal certification for MSMEs in Panongan Village. The results of this research show that the implementation of halal certification for MSME products in Panongan Village (Law Number 33 of 2014 concerning Halal Product Guarantees) has been implemented although it is not yet effective because there are still MSME actors in the food sector who do not yet have a halal certificate. The existence of mandatory halal certification for food and beverage products has not made business actors aware of being able to process halal certification for the business products they make. Even though the majority of the people of Panongan Village are Muslim, there are still food and beverage products that do not have halal certification which is caused by a lack of knowledge and understanding of MSME actors regarding halal certification, low awareness and compliance of MSME actors to register halal certification on their products, MSME actors' confidence in halalness. its products, as well as the prevalence of ancient societal ideas that oppose the existence of regulations of an institution.

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