Pub Date : 2020-12-28DOI: 10.30631/ILTIZAM.V4I2.594
Mohammad Orinaldi
Online business based on E-commerce has long been known since before the Covid-19 pandemic, as evidenced by 15.08% of business people have used digital platforms in developing their businesses. E-commerce is a public need that has increased drastically during the Covid-19 pandemic. E-commerce platform users increased by 38.3% as long as social policies were implemented. This study aims to analyze the role of E-commerce in maintaining business during an economic recession. The research method used is literature review. The results of the discussion show that the types of small businesses and MSMEs are sectors that are quite affected by Covid-19 . The business sector will not be able to survive a period of economic recession if it does not adapt to technological developments towards the online market. E-commerce is key in the creation of an online market, so that it can mediate interactions between producers or sellers and consumers. E-commerce can maintain a balance of production and consumption because trading activities are maintained over a long distance. This balance can encourage economic growth in a more positive direction. E-commerce is able to help business actors to maintain their business activities, as well as to help consumers maintain purchasing power to meet their needs.
{"title":"Peran E-commerce dalam Meningkatkan Resiliensi Bisnis diera Pandemi","authors":"Mohammad Orinaldi","doi":"10.30631/ILTIZAM.V4I2.594","DOIUrl":"https://doi.org/10.30631/ILTIZAM.V4I2.594","url":null,"abstract":"Online business based on E-commerce has long been known since before the Covid-19 pandemic, as evidenced by 15.08% of business people have used digital platforms in developing their businesses. E-commerce is a public need that has increased drastically during the Covid-19 pandemic. E-commerce platform users increased by 38.3% as long as social policies were implemented. This study aims to analyze the role of E-commerce in maintaining business during an economic recession. The research method used is literature review. The results of the discussion show that the types of small businesses and MSMEs are sectors that are quite affected by Covid-19 . The business sector will not be able to survive a period of economic recession if it does not adapt to technological developments towards the online market. E-commerce is key in the creation of an online market, so that it can mediate interactions between producers or sellers and consumers. E-commerce can maintain a balance of production and consumption because trading activities are maintained over a long distance. This balance can encourage economic growth in a more positive direction. E-commerce is able to help business actors to maintain their business activities, as well as to help consumers maintain purchasing power to meet their needs.","PeriodicalId":278867,"journal":{"name":"ILTIZAM Journal of Shariah Economics Research","volume":"81 1","pages":"0"},"PeriodicalIF":0.0,"publicationDate":"2020-12-28","publicationTypes":"Journal Article","fieldsOfStudy":null,"isOpenAccess":false,"openAccessPdf":"","citationCount":null,"resultStr":null,"platform":"Semanticscholar","paperid":"134371583","PeriodicalName":null,"FirstCategoryId":null,"ListUrlMain":null,"RegionNum":0,"RegionCategory":"","ArticlePicture":[],"TitleCN":null,"AbstractTextCN":null,"PMCID":"","EPubDate":null,"PubModel":null,"JCR":null,"JCRName":null,"Score":null,"Total":0}
Pub Date : 2020-12-28DOI: 10.30631/ILTIZAM.V4I2.592
Deni Nasri, M. Najib, Eng Saiful Anwar
In recent years consumer behaviour plays an important role on influencing customers' preferences to use a financing service. Contemporary consumers are becoming more selective in their choices, as they are more well-informed of a particular product or service. This research investigates the decision-making process which influence customers in choosing a financing service, by analysing the influence of religiosity, TPB (attitude towards behavior, subjective norm, perceived behavioral control), and product attribute that drives customers' intent in choosing financial services in sharia multifinance. To address this notion, we collected sample feedback from 160 respondents, who are active customers of Unit Usaha Syariah (UUS) multifinance ABC. The methododology used in this research is Structural Equation Modeling-Partial Least Square (SEM-PLS). The result shows that factors such as religiosity, attitude towards behavior, subjective norms and product attribute affect consumers' intention in purchasing a financing service. On the other hand, perceived behavioral control has no significant influence on consumers' decision-making. Therefore, it is imperative for those involved in the sharia multifinance industry to gain more insight in order to perceive market opportunities based on consumer behavior by developing suitable marketing strategies in order to capture their interest to opt for financing services in sharia multifinance. Keywords: Consumer behaviour, religiosity, TPB, attribute product, sharia multifinance
近年来，消费者行为在影响客户使用金融服务的偏好方面发挥着重要作用。当代消费者在选择时变得更加挑剔，因为他们对特定的产品或服务更加了解。本研究通过分析伊斯兰多元金融中宗教信仰、行为态度、主观规范、感知行为控制和产品属性对客户选择金融服务意向的影响，探讨了影响客户选择金融服务的决策过程。为了解决这个问题，我们从160名受访者中收集了样本反馈，他们是Unit Usaha Syariah (UUS)多元金融ABC的活跃客户。本研究采用结构方程建模-偏最小二乘(SEM-PLS)方法。结果表明，宗教信仰、行为态度、主观规范和产品属性等因素影响消费者购买理财服务的意愿。另一方面，感知行为控制对消费者决策没有显著影响。因此，对于那些参与伊斯兰教法多元金融行业的人来说，必须获得更多的洞察力，以便通过制定合适的营销策略来感知基于消费者行为的市场机会，从而抓住他们选择伊斯兰教法多元金融融资服务的兴趣。关键词:消费者行为，宗教信仰，TPB，属性产品，伊斯兰多元金融
{"title":"The Analysis of Factors Influencing Customer in Choosing Financial Service Product at Sharia Multifinance","authors":"Deni Nasri, M. Najib, Eng Saiful Anwar","doi":"10.30631/ILTIZAM.V4I2.592","DOIUrl":"https://doi.org/10.30631/ILTIZAM.V4I2.592","url":null,"abstract":"In recent years consumer behaviour plays an important role on influencing customers' preferences to use a financing service. Contemporary consumers are becoming more selective in their choices, as they are more well-informed of a particular product or service. This research investigates the decision-making process which influence customers in choosing a financing service, by analysing the influence of religiosity, TPB (attitude towards behavior, subjective norm, perceived behavioral control), and product attribute that drives customers' intent in choosing financial services in sharia multifinance. To address this notion, we collected sample feedback from 160 respondents, who are active customers of Unit Usaha Syariah (UUS) multifinance ABC. The methododology used in this research is Structural Equation Modeling-Partial Least Square (SEM-PLS). The result shows that factors such as religiosity, attitude towards behavior, subjective norms and product attribute affect consumers' intention in purchasing a financing service. On the other hand, perceived behavioral control has no significant influence on consumers' decision-making. Therefore, it is imperative for those involved in the sharia multifinance industry to gain more insight in order to perceive market opportunities based on consumer behavior by developing suitable marketing strategies in order to capture their interest to opt for financing services in sharia multifinance. \u0000Keywords: Consumer behaviour, religiosity, TPB, attribute product, sharia multifinance","PeriodicalId":278867,"journal":{"name":"ILTIZAM Journal of Shariah Economics Research","volume":"31 1","pages":"0"},"PeriodicalIF":0.0,"publicationDate":"2020-12-28","publicationTypes":"Journal Article","fieldsOfStudy":null,"isOpenAccess":false,"openAccessPdf":"","citationCount":null,"resultStr":null,"platform":"Semanticscholar","paperid":"115038437","PeriodicalName":null,"FirstCategoryId":null,"ListUrlMain":null,"RegionNum":0,"RegionCategory":"","ArticlePicture":[],"TitleCN":null,"AbstractTextCN":null,"PMCID":"","EPubDate":null,"PubModel":null,"JCR":null,"JCRName":null,"Score":null,"Total":0}
Pub Date : 2020-12-28DOI: 10.30631/ILTIZAM.V4I2.598
M. Yunus, Novi Mubyarto, Robi Agustin
The development achievement of an economic activity can be measured by economic growth. Economic growth will improve if there are activities carried out by humans for the prosperity of the earth and their prosperity. An important factor for increasing economic growth is international trade, one of which is exports. Allah SWT has created in every region and country the advantages and disadvantages. The main factor that also has an influence on the economic development of a country / region is investment activities. Regarding investment in the Al Qur’an, it is clearly stated that investing is a way that is ordered by Allah SWT not to leave the weak generation. In this study, an analysis of the economic growth of the province of Jambi was conducted in 2012-2019. The method used is multiple linear regression analysis. Based on the results of using the R application, there is a significant influence between the export variable and the investment variable on the economic growth variable. The modeling results obtained are Y = 5848.0543 + 0.8886X1 + 0.7929X2. Every increase in exports of 1 billion and investment is considered constant, it will increase economic growth by 0.8886 billion. Every increase in investment of 1 billion and exports are considered constant, it will increase economic growth by 0.7929 billion. The coefficient of determination of 94.06 percent means that the diversity of economic growth variables can be explained by the export and the investment, the remaining 5.94% is explained by other variables not included in the regression model.
{"title":"Analisis Pertumbuhan Ekonomi Provinsi Jambi 2012-2019","authors":"M. Yunus, Novi Mubyarto, Robi Agustin","doi":"10.30631/ILTIZAM.V4I2.598","DOIUrl":"https://doi.org/10.30631/ILTIZAM.V4I2.598","url":null,"abstract":"The development achievement of an economic activity can be measured by economic growth. Economic growth will improve if there are activities carried out by humans for the prosperity of the earth and their prosperity. An important factor for increasing economic growth is international trade, one of which is exports. Allah SWT has created in every region and country the advantages and disadvantages. The main factor that also has an influence on the economic development of a country / region is investment activities. Regarding investment in the Al Qur’an, it is clearly stated that investing is a way that is ordered by Allah SWT not to leave the weak generation. In this study, an analysis of the economic growth of the province of Jambi was conducted in 2012-2019. The method used is multiple linear regression analysis. Based on the results of using the R application, there is a significant influence between the export variable and the investment variable on the economic growth variable. The modeling results obtained are Y = 5848.0543 + 0.8886X1 + 0.7929X2. Every increase in exports of 1 billion and investment is considered constant, it will increase economic growth by 0.8886 billion. Every increase in investment of 1 billion and exports are considered constant, it will increase economic growth by 0.7929 billion. The coefficient of determination of 94.06 percent means that the diversity of economic growth variables can be explained by the export and the investment, the remaining 5.94% is explained by other variables not included in the regression model.","PeriodicalId":278867,"journal":{"name":"ILTIZAM Journal of Shariah Economics Research","volume":"23 1","pages":"0"},"PeriodicalIF":0.0,"publicationDate":"2020-12-28","publicationTypes":"Journal Article","fieldsOfStudy":null,"isOpenAccess":false,"openAccessPdf":"","citationCount":null,"resultStr":null,"platform":"Semanticscholar","paperid":"122437048","PeriodicalName":null,"FirstCategoryId":null,"ListUrlMain":null,"RegionNum":0,"RegionCategory":"","ArticlePicture":[],"TitleCN":null,"AbstractTextCN":null,"PMCID":"","EPubDate":null,"PubModel":null,"JCR":null,"JCRName":null,"Score":null,"Total":0}
京公网安备 11010802042870号
京ICP备2023020795号-1
扫码关注我们
求助内容：
应助结果提醒方式：