Pub Date : 2024-07-01DOI: 10.47467/alkharaj.v6i7.2538
Dwi Febriyanthi, Siti Mujiatun
Penelitian ini membahas mengenai penerapan etika bisnis islam pada pelaku usaha mikro, kecil dan menengah muslim makanan dan minuman di hamparan perak. Penelitian ini bertujuan untuk mengetahui bagaimana penerapan etika bisnis islam yang dilakukan oleh pelaku usaha mikro, kecil dan menengah (UMKM) muslim makanan dan minuman di hamparan perak yang ditinjau dari prinsip-prinsip etika bisnis islam. Metode penelitian ini menggunakan metode kualitatif, pendekatan yang dilakukan yaitu deskriptif. Pengumpulan data diperoleh dari data primer seperti wawancara, observasi. Data sekunder seperti buku, jurnal dan website. Prinsip etika bisnis islam memiliki 5 prinsip yaitu Prinsip Kesatuan, Prinsip Keseimbangan, Prinsip Kehendak Bebas, Prinsip Tanggung Jawab dan Prinsip Kebenaran. Hasil penelitian menunjukkan bahwa etika bisnis islam belum diterapkan oleh pelaku UMKM makanan dan minuman muslim di hamparan perak. Mereka hanya menerapkan tiga atau empat prinsip saja, ada beberapa prinsip yang sudah diterapkan dengan baik yakni prinsip keseimbangan dan prinsip kehendak bebas, namun tiga prinsip lainnya belum diterapkan yaitu prinsip tauhid, prinsip tanggung jawab dan prinsip kebenaran. Kata kunci: Etika Bisnis Islam, Penerapan Bisnis, Usaha Mikro, Kecil dan Menengah
{"title":"Analisis Penerapan Etika Bisnis Islam Pada Pelaku Usaha Mikro Kecil Menengah (UMKM) Muslim Makanan dan Minuman Di Hamparan Perak","authors":"Dwi Febriyanthi, Siti Mujiatun","doi":"10.47467/alkharaj.v6i7.2538","DOIUrl":"https://doi.org/10.47467/alkharaj.v6i7.2538","url":null,"abstract":"Penelitian ini membahas mengenai penerapan etika bisnis islam pada pelaku usaha mikro, kecil dan menengah muslim makanan dan minuman di hamparan perak. Penelitian ini bertujuan untuk mengetahui bagaimana penerapan etika bisnis islam yang dilakukan oleh pelaku usaha mikro, kecil dan menengah (UMKM) muslim makanan dan minuman di hamparan perak yang ditinjau dari prinsip-prinsip etika bisnis islam. Metode penelitian ini menggunakan metode kualitatif, pendekatan yang dilakukan yaitu deskriptif. Pengumpulan data diperoleh dari data primer seperti wawancara, observasi. Data sekunder seperti buku, jurnal dan website. Prinsip etika bisnis islam memiliki 5 prinsip yaitu Prinsip Kesatuan, Prinsip Keseimbangan, Prinsip Kehendak Bebas, Prinsip Tanggung Jawab dan Prinsip Kebenaran. Hasil penelitian menunjukkan bahwa etika bisnis islam belum diterapkan oleh pelaku UMKM makanan dan minuman muslim di hamparan perak. Mereka hanya menerapkan tiga atau empat prinsip saja, ada beberapa prinsip yang sudah diterapkan dengan baik yakni prinsip keseimbangan dan prinsip kehendak bebas, namun tiga prinsip lainnya belum diterapkan yaitu prinsip tauhid, prinsip tanggung jawab dan prinsip kebenaran. \u0000Kata kunci: Etika Bisnis Islam, Penerapan Bisnis, Usaha Mikro, Kecil dan Menengah","PeriodicalId":517158,"journal":{"name":"Al-Kharaj: Jurnal Ekonomi, Keuangan & Bisnis Syariah","volume":"1 1","pages":""},"PeriodicalIF":0.0,"publicationDate":"2024-07-01","publicationTypes":"Journal Article","fieldsOfStudy":null,"isOpenAccess":false,"openAccessPdf":"","citationCount":null,"resultStr":null,"platform":"Semanticscholar","paperid":"141705794","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}
Sharia investment products is considered a key determinant in shaping University Student’s Investment Decisions among Muslim investors. A comprehensive understanding of the concepts, types, and characteristics of Sharia-compliant investments can significantly influence an individual's propensity to invest in accordance with Islamic principles. The purpose of this study aims to investigating the impact of Sharia investment product knowledge and religiosity on university students' Investment Decisions, with financial literacy serving as a moderator. The present study will employ a quantitative approach using a survey method. The data collection process will involve administering the questionnaire to the purposively selected sample Students, either through an online survey or in-person distribution on campus. The hypothesis is tested using version 3.37 of the Smart PLS program. The results showed that the Product Knowledge and Religiosity variables did not affect Investment Decisions. Meanwhile, Financial Literacy affects Investment Decisions. Financial Literacy is a moderating variable that only moderates the effect of Religiosity on Investment Decisions. As for the impact of Product Knowledge on Investment Decisions, it cannot moderate the effect of Religiosity on Investment Decisions.
{"title":"Unveiling the Interplay of Sharia Investment Product Knowledge, Religiosity, and Financial Literacy as a Moderator of University Student’s Investment Decisions","authors":"Fachrozi, Kukuh Tondoyekti, Mariana, Herawati Khotmi","doi":"10.47467/alkharaj.v6i7.2887","DOIUrl":"https://doi.org/10.47467/alkharaj.v6i7.2887","url":null,"abstract":"Sharia investment products is considered a key determinant in shaping University Student’s Investment Decisions among Muslim investors. A comprehensive understanding of the concepts, types, and characteristics of Sharia-compliant investments can significantly influence an individual's propensity to invest in accordance with Islamic principles. The purpose of this study aims to investigating the impact of Sharia investment product knowledge and religiosity on university students' Investment Decisions, with financial literacy serving as a moderator. The present study will employ a quantitative approach using a survey method. The data collection process will involve administering the questionnaire to the purposively selected sample Students, either through an online survey or in-person distribution on campus. The hypothesis is tested using version 3.37 of the Smart PLS program. The results showed that the Product Knowledge and Religiosity variables did not affect Investment Decisions. Meanwhile, Financial Literacy affects Investment Decisions. Financial Literacy is a moderating variable that only moderates the effect of Religiosity on Investment Decisions. As for the impact of Product Knowledge on Investment Decisions, it cannot moderate the effect of Religiosity on Investment Decisions.","PeriodicalId":517158,"journal":{"name":"Al-Kharaj: Jurnal Ekonomi, Keuangan & Bisnis Syariah","volume":"102 2","pages":""},"PeriodicalIF":0.0,"publicationDate":"2024-07-01","publicationTypes":"Journal Article","fieldsOfStudy":null,"isOpenAccess":false,"openAccessPdf":"","citationCount":null,"resultStr":null,"platform":"Semanticscholar","paperid":"141713580","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 : 2024-07-01DOI: 10.47467/alkharaj.v6i7.2471
Lola Amelia, Puji Isyanto, Neni Sumarni
Amidst the current period of globalization, the fashion industry is undergoing substantial expansion, particularly in Karawang Regency. Bekasansaja, situated in Jalitri Karawang, is a thriving fashion thrift store that has gained popularity among youngsters in the area. Bekasansaja stands out by offering material that captivates consumer attention. The objective of this study is to assess the presentation of tripping advertisements on Instagram, analyze sales promotion strategies for preloved products, identify obstacles in promoting preloved products and propose solutions to overcome them. Additionally, the study aims to investigate the reasons behind selecting the Instagram Feeds and Insta Story features as the primary focus. This research aims to enhance the comprehension of other researchers regarding the promotion of preloved products using Instagram, and to enhance the advancement of promotion techniques for Bekasansaja products.The research methodology employed is qualitative, utilizing a content analysis technique. This involved doing observations, interviews, document analysis, and studying relevant literature.This research focuses on the proprietors and customers of Bekasansaja.The research findings indicate that the @Bekasansaja account utilizes Instagram's Feeds and Insta Story functionalities to promote their sales promotions, employing discounts as a primary strategy. Nevertheless, the primary impediment frequently encountered is a modification in the Instagram algorithm. In order to address this issue, Bekasansaja frequently leverages the personal accounts of their friends who operate shops to enhance the visibility of their brand.
{"title":"Promosi Bisnis Thrifting dalam Meningkatkan Minat Beli Konsumen di Media Sosial Instagram (Bekasansaja)","authors":"Lola Amelia, Puji Isyanto, Neni Sumarni","doi":"10.47467/alkharaj.v6i7.2471","DOIUrl":"https://doi.org/10.47467/alkharaj.v6i7.2471","url":null,"abstract":"Amidst the current period of globalization, the fashion industry is undergoing substantial expansion, particularly in Karawang Regency. Bekasansaja, situated in Jalitri Karawang, is a thriving fashion thrift store that has gained popularity among youngsters in the area. Bekasansaja stands out by offering material that captivates consumer attention. The objective of this study is to assess the presentation of tripping advertisements on Instagram, analyze sales promotion strategies for preloved products, identify obstacles in promoting preloved products and propose solutions to overcome them. Additionally, the study aims to investigate the reasons behind selecting the Instagram Feeds and Insta Story features as the primary focus. This research aims to enhance the comprehension of other researchers regarding the promotion of preloved products using Instagram, and to enhance the advancement of promotion techniques for Bekasansaja products.The research methodology employed is qualitative, utilizing a content analysis technique. This involved doing observations, interviews, document analysis, and studying relevant literature.This research focuses on the proprietors and customers of Bekasansaja.The research findings indicate that the @Bekasansaja account utilizes Instagram's Feeds and Insta Story functionalities to promote their sales promotions, employing discounts as a primary strategy. Nevertheless, the primary impediment frequently encountered is a modification in the Instagram algorithm. In order to address this issue, Bekasansaja frequently leverages the personal accounts of their friends who operate shops to enhance the visibility of their brand.","PeriodicalId":517158,"journal":{"name":"Al-Kharaj: Jurnal Ekonomi, Keuangan & Bisnis Syariah","volume":"15 4","pages":""},"PeriodicalIF":0.0,"publicationDate":"2024-07-01","publicationTypes":"Journal Article","fieldsOfStudy":null,"isOpenAccess":false,"openAccessPdf":"","citationCount":null,"resultStr":null,"platform":"Semanticscholar","paperid":"141691392","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 : 2024-07-01DOI: 10.47467/alkharaj.v6i7.2352
Asyarotul Istnaini, Fani Firmansyah
The purpose of this research is to determine the influence of Brand Image, Service Quality, and Digital Banking variables on Customer Loyalty through Customer Satisfaction at BSI KCP Malang Soetta. This research uses a quantitative approach. The technique used is non-probability sampling which was taken using a purposive sampling technique. The population in this research is Bank Syariah Indonesia customers. The number of samples in this research was 200 customers. Hypothesis testing in this research uses the Smart PLS 3 test tool. The data used is the result of a questionnaire that has been distributed to BSI KCP Malang Soetta customers. The results of this research show that the brand image variable does not affect customer loyalty. The service quality variable influences customer loyalty. The digital banking variable affects customer loyalty. The customer satisfaction variable influences the customer loyalty variable. The customer satisfaction variable is not able to mediate brand image with customer loyalty. The customer satisfaction variable can mediate the service quality variable with the customer loyalty variable. The customer satisfaction variable can mediate the digital banking variable with the customer loyalty variable.
{"title":"Determinasi Brand Image, Kualitas Layanan dan Digital Banking Terhadap Loyalitas Nasabah Dimediasi Kepuasan Nasabah BSI KCP Malang Soetta","authors":"Asyarotul Istnaini, Fani Firmansyah","doi":"10.47467/alkharaj.v6i7.2352","DOIUrl":"https://doi.org/10.47467/alkharaj.v6i7.2352","url":null,"abstract":"The purpose of this research is to determine the influence of Brand Image, Service Quality, and Digital Banking variables on Customer Loyalty through Customer Satisfaction at BSI KCP Malang Soetta. This research uses a quantitative approach. The technique used is non-probability sampling which was taken using a purposive sampling technique. The population in this research is Bank Syariah Indonesia customers. The number of samples in this research was 200 customers. Hypothesis testing in this research uses the Smart PLS 3 test tool. The data used is the result of a questionnaire that has been distributed to BSI KCP Malang Soetta customers. The results of this research show that the brand image variable does not affect customer loyalty. The service quality variable influences customer loyalty. The digital banking variable affects customer loyalty. The customer satisfaction variable influences the customer loyalty variable. The customer satisfaction variable is not able to mediate brand image with customer loyalty. The customer satisfaction variable can mediate the service quality variable with the customer loyalty variable. The customer satisfaction variable can mediate the digital banking variable with the customer loyalty variable.","PeriodicalId":517158,"journal":{"name":"Al-Kharaj: Jurnal Ekonomi, Keuangan & Bisnis Syariah","volume":"13 4","pages":""},"PeriodicalIF":0.0,"publicationDate":"2024-07-01","publicationTypes":"Journal Article","fieldsOfStudy":null,"isOpenAccess":false,"openAccessPdf":"","citationCount":null,"resultStr":null,"platform":"Semanticscholar","paperid":"141690999","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 : 2024-06-05DOI: 10.47467/alkharaj.v6i6.2906
Vivin Sulaymah, Nugraeni Nugraeni
This research aims to assess the influence of company size and level of education as well as providing information and outreach to MSME players on the preparation of financial reports in accordance with SAK EMKM. The data used is primary data collected through a questionnaire with a Likert scale. This research was carried out in Nogotirto Village, Sleman Regency involving 275 MSMEs registered with the Trade, Operations and Cooperative SMEs Service. The sample was selected using a random sampling technique and calculated using the Slovin formula, so that 74 MSME actors were obtained as a sample. The data analysis techniques used include classical assumption testing and hypothesis testing with the help of IBM SPSS Statistics 25. The research results show that business size and education level do not have a simultaneous influence on MSMEs' understanding of preparing financial reports according to SAK EMKM. However, providing information and outreach has been proven to have a significant positive impact. The implication of these findings is that it is important for MSME players to continue to gain knowledge through relevant information, outreach and training.
{"title":"Pengaruh Ukuran Usaha, Pendidikan, Informasi, Sosialisasi pada Pemahaman UMKM terhadap Laporan Keuangan EMKM","authors":"Vivin Sulaymah, Nugraeni Nugraeni","doi":"10.47467/alkharaj.v6i6.2906","DOIUrl":"https://doi.org/10.47467/alkharaj.v6i6.2906","url":null,"abstract":"This research aims to assess the influence of company size and level of education as well as providing information and outreach to MSME players on the preparation of financial reports in accordance with SAK EMKM. The data used is primary data collected through a questionnaire with a Likert scale. This research was carried out in Nogotirto Village, Sleman Regency involving 275 MSMEs registered with the Trade, Operations and Cooperative SMEs Service. The sample was selected using a random sampling technique and calculated using the Slovin formula, so that 74 MSME actors were obtained as a sample. The data analysis techniques used include classical assumption testing and hypothesis testing with the help of IBM SPSS Statistics 25. The research results show that business size and education level do not have a simultaneous influence on MSMEs' understanding of preparing financial reports according to SAK EMKM. However, providing information and outreach has been proven to have a significant positive impact. The implication of these findings is that it is important for MSME players to continue to gain knowledge through relevant information, outreach and training.","PeriodicalId":517158,"journal":{"name":"Al-Kharaj: Jurnal Ekonomi, Keuangan & Bisnis Syariah","volume":"323 6","pages":""},"PeriodicalIF":0.0,"publicationDate":"2024-06-05","publicationTypes":"Journal Article","fieldsOfStudy":null,"isOpenAccess":false,"openAccessPdf":"","citationCount":null,"resultStr":null,"platform":"Semanticscholar","paperid":"141386351","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 : 2024-06-04DOI: 10.47467/alkharaj.v6i6.2884
Oktaviani, Zul Ihsan Mu’arrif, Syukrawati
The research was conducted in order to determine the effect of ROA(X1), NPM(X2), GPM(X3) and Inflation(X4) on ROE(Y) in Islamic banks in Indonesia. The research uses a quantitative approach with descriptive and associative strategies. Supporting information and measurements based on secondary data and statistical software. The population in this research is Islamic financial institutions in Indonesia and the sample is 4 Islamic financial institutions in Indonesia. Then the data obtained comes from the financial reports of 4 banks for the last five years and is calculated using profitability ratio calculations, namely calculating ROA, ROE, NPM, GPM. The external variable used is inflation. Inflation information is obtained from the Bi.go.id website. From the results of calculating profitability ratios, this information is then handled using SPSS by carrying out classical assumptions, regression tests and hypothesis tests. The test results show that the variable ROA(X1) has t = 2.249 > r table = 0.4438 with a significance value of 0.0400 <0.05, the variable NPM (X2) has a t value of 0.901> R table = 0.4438 with significance value 0.382> 0.05. The GPM variable (X3) includes t = 0.883 > R table = 0.4438 with a significance value of 0.391 > 0.05, the inflation variable (X4) has a value of t = -1.100 > R table = 0.4438 with a significance value of 0.289 > 0 .05. Based on the tests carried out in this research, it appears that the ROA (X1), NPM (X2), inflation (X4) factors have an effect on ROE and the GPM variable (X3) has no effect on ROE in Islamic banks in Indonesia.
本研究旨在确定 ROA（X1）、NPM（X2）、GPM（X3）和通货膨胀（X4）对印度尼西亚伊斯兰银行 ROE（Y）的影响。研究采用描述性和联想性的定量方法。辅助信息和测量基于二手数据和统计软件。研究对象为印度尼西亚的伊斯兰金融机构，样本为印度尼西亚的 4 家伊斯兰金融机构。获得的数据来自 4 家银行过去 5 年的财务报告，并使用盈利比率计算，即计算 ROA、ROE、NPM 和 GPM。使用的外部变量是通货膨胀。通货膨胀信息来自 Bi.go.id 网站。根据盈利比率的计算结果，使用 SPSS 对这些信息进行经典假设、回归检验和假设检验。检验结果显示，变量 ROA（X1）的 t = 2.249 > r table = 0.4438，显著性值为 0.0400 R table = 0.4438，显著性值为 0.382> 0.05。GPM 变量（X3）包括 t = 0.883 > R table = 0.4438，显著值为 0.391 > 0.05，通货膨胀变量（X4）的值为 t = -1.100 > R table = 0.4438，显著值为 0.289 > 0.05。根据本研究进行的检验，印尼伊斯兰银行的 ROA（X1）、NPM（X2）、通货膨胀（X4）因素对 ROE 有影响，而 GPM 变量（X3）对 ROE 没有影响。
{"title":"Pengaruh ROA, NPM, GPM dan Inflasi terhadap ROE pada Bank Syariah di Indonesia","authors":"Oktaviani, Zul Ihsan Mu’arrif, Syukrawati","doi":"10.47467/alkharaj.v6i6.2884","DOIUrl":"https://doi.org/10.47467/alkharaj.v6i6.2884","url":null,"abstract":"The research was conducted in order to determine the effect of ROA(X1), NPM(X2), GPM(X3) and Inflation(X4) on ROE(Y) in Islamic banks in Indonesia. The research uses a quantitative approach with descriptive and associative strategies. Supporting information and measurements based on secondary data and statistical software. The population in this research is Islamic financial institutions in Indonesia and the sample is 4 Islamic financial institutions in Indonesia. Then the data obtained comes from the financial reports of 4 banks for the last five years and is calculated using profitability ratio calculations, namely calculating ROA, ROE, NPM, GPM. The external variable used is inflation. Inflation information is obtained from the Bi.go.id website. From the results of calculating profitability ratios, this information is then handled using SPSS by carrying out classical assumptions, regression tests and hypothesis tests. The test results show that the variable ROA(X1) has t = 2.249 > r table = 0.4438 with a significance value of 0.0400 <0.05, the variable NPM (X2) has a t value of 0.901> R table = 0.4438 with significance value 0.382> 0.05. The GPM variable (X3) includes t = 0.883 > R table = 0.4438 with a significance value of 0.391 > 0.05, the inflation variable (X4) has a value of t = -1.100 > R table = 0.4438 with a significance value of 0.289 > 0 .05. Based on the tests carried out in this research, it appears that the ROA (X1), NPM (X2), inflation (X4) factors have an effect on ROE and the GPM variable (X3) has no effect on ROE in Islamic banks in Indonesia.\u0000 ","PeriodicalId":517158,"journal":{"name":"Al-Kharaj: Jurnal Ekonomi, Keuangan & Bisnis Syariah","volume":"222 6","pages":""},"PeriodicalIF":0.0,"publicationDate":"2024-06-04","publicationTypes":"Journal Article","fieldsOfStudy":null,"isOpenAccess":false,"openAccessPdf":"","citationCount":null,"resultStr":null,"platform":"Semanticscholar","paperid":"141387372","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 : 2024-06-03DOI: 10.47467/alkharaj.v6i6.2856
Teja Kusuma Ramadhan, E. Saputro
Digital technology rapid user growth over the years gives opportunity for new startup to join this market. In financial industry, cashless payment system become more popular and one of them is mobile wallet. Mobile wallet is gaining popularity during the Covid-19 pandemic and still growing until this day as a new mode of payment system due to it’s simplicity and QR-code based scan-to-pay method that gains millions of user in Indonesia. However, there is still some scepticism among users about it’s safety and merit that can cause hindrance on their intention to adopt it. Thus, this study intends to find out aspects that could trigger user intention on adapting Gopay, the most well known mobile wallet in Indonesia as a payment system. Extended-TAM model consist of perceived usefulness, perceived ease of use, and trust is used as a primary theory. Primary data is collected by an online-based survey to 114 respondents then analyzed with PLS-SEM (SmartPLS 4.1.0.2). The analysis indicate that perceived usefulness and trust impacts behavioral intention significantly, while perceived ease of use shows no influence towards behavioral intention.
这些年来，数字技术用户的快速增长为新创公司加入这一市场提供了机会。在金融业，无现金支付系统越来越受欢迎，手机钱包就是其中之一。 移动钱包在 Covid-19 大流行期间开始流行，由于其简便性和基于 QR 码的扫描支付方法，在印度尼西亚拥有数百万用户，作为一种新的支付系统模式至今仍在不断增长。然而，用户对二维码支付的安全性和优点仍存在一些疑虑，这可能会阻碍他们采用二维码支付的意愿。因此，本研究旨在找出可能引发用户将印尼最知名的移动钱包 Gopay 用作支付系统的意向的因素。由感知有用性、感知易用性和信任组成的扩展 TAM 模型被用作主要理论。原始数据是通过对 114 名受访者进行在线调查收集的，然后使用 PLS-SEM（SmartPLS 4.1.0.2）进行分析。分析结果表明，感知有用性和信任对行为意向有显著影响，而感知易用性对行为意向没有影响。
{"title":"Pengaruh Perceived Usefulness, Perceived Ease of Use, dan Trust terhadap Behavioral Intention Pengguna Gopay","authors":"Teja Kusuma Ramadhan, E. Saputro","doi":"10.47467/alkharaj.v6i6.2856","DOIUrl":"https://doi.org/10.47467/alkharaj.v6i6.2856","url":null,"abstract":"Digital technology rapid user growth over the years gives opportunity for new startup to join this market. In financial industry, cashless payment system become more popular and one of them is mobile wallet. Mobile wallet is gaining popularity during the Covid-19 pandemic and still growing until this day as a new mode of payment system due to it’s simplicity and QR-code based scan-to-pay method that gains millions of user in Indonesia. However, there is still some scepticism among users about it’s safety and merit that can cause hindrance on their intention to adopt it. Thus, this study intends to find out aspects that could trigger user intention on adapting Gopay, the most well known mobile wallet in Indonesia as a payment system. Extended-TAM model consist of perceived usefulness, perceived ease of use, and trust is used as a primary theory. Primary data is collected by an online-based survey to 114 respondents then analyzed with PLS-SEM (SmartPLS 4.1.0.2). The analysis indicate that perceived usefulness and trust impacts behavioral intention significantly, while perceived ease of use shows no influence towards behavioral intention.","PeriodicalId":517158,"journal":{"name":"Al-Kharaj: Jurnal Ekonomi, Keuangan & Bisnis Syariah","volume":"135 4","pages":""},"PeriodicalIF":0.0,"publicationDate":"2024-06-03","publicationTypes":"Journal Article","fieldsOfStudy":null,"isOpenAccess":false,"openAccessPdf":"","citationCount":null,"resultStr":null,"platform":"Semanticscholar","paperid":"141388789","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 : 2024-06-03DOI: 10.47467/alkharaj.v6i6.2857
Fitri Anggra, Eni, M. D. Yanthi
Digital technology rapid user growth over the years gives opportunity for new startup to join this market. In financial industry, cashless payment system become more popular and one of them is mobile wallet. Mobile wallet is gaining popularity during the Covid-19 pandemic and still growing until this day as a new mode of payment system due to it’s simplicity and QR-code based scan-to-pay method that gains millions of user in Indonesia. However, there is still some scepticism among users about it’s safety and merit that can cause hindrance on their intention to adopt it. Thus, this study intends to find out aspects that could trigger user intention on adapting Gopay, the most well known mobile wallet in Indonesia as a payment system. Extended-TAM model consist of perceived usefulness, perceived ease of use, and trust is used as a primary theory. Primary data is collected by an online-based survey to 114 respondents then analyzed with PLS-SEM (SmartPLS 4.1.0.2). The analysis indicate that perceived usefulness and trust impacts behavioral intention significantly, while perceived ease of use shows no influence towards behavioral intention.
这些年来，数字技术用户的快速增长为新创公司加入这一市场提供了机会。在金融业，无现金支付系统越来越受欢迎，手机钱包就是其中之一。 移动钱包在 Covid-19 大流行期间开始流行，由于其简便性和基于 QR 码的扫描支付方法，在印度尼西亚拥有数百万用户，作为一种新的支付系统模式至今仍在不断增长。然而，用户对二维码支付的安全性和优点仍存在一些疑虑，这可能会阻碍他们采用二维码支付的意愿。因此，本研究旨在找出可能引发用户将印尼最知名的移动钱包 Gopay 用作支付系统的意向的因素。由感知有用性、感知易用性和信任组成的扩展 TAM 模型被用作主要理论。原始数据是通过对 114 名受访者进行在线调查收集的，然后使用 PLS-SEM（SmartPLS 4.1.0.2）进行分析。分析结果表明，感知有用性和信任对行为意向有显著影响，而感知易用性对行为意向没有影响。
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Pub Date : 2024-06-02DOI: 10.47467/alkharaj.v6i6.2847
Trisabela Aryanti, Syahrul Alim
This study aims to determine the influence of ease of use, sales promotion, and trust on repurchase intention in Shopee live streaming. The population in this study is all Shopee application users who make repeat purchases on Shopee live streaming, with a sample size of 100 respondents. The data collection method used is non-probability sampling with purposive sampling technique. The data analysis in this study uses quantitative methods with the help of SmartPLS ver. 4.0 software. The results of the study indicate that ease of use has a positive and significant effect on repurchase intention, sales promotion has a positive and significant effect on repurchase intention, and trust also has a positive and significant effect on repurchase intention in Shopee live streaming.
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Pub Date : 2024-06-01DOI: 10.47467/alkharaj.v6i6.2080
Ema Oktavia Rahmawati, Ety Dwi Susanti
Every business has a goal to achieve profitability and when the business is successful, further development becomes a necessity. Today, the business that continues to grow and is always sought after by people is the convection business. This convection business aims to meet the needs of clothing as people's main clothing by placing orders in large quantities and following the development of trends. An example is the "Maharaja Garment" Convection in Bangkalan, which operates in the midst of competition from similar competitors, so it requires long-term business development to continue to grow. In this context, this research is descriptive, using data collection techniques through observation and documentation. The types and sources of data used include primary and secondary data. This study aims to determine the company's business strategy by applying the Product Life Cycle method. The results of the calculation using the Polli and Cook method show that the convection business of "Maharaja Garment" is in the growth stage. Therefore, the business development is carried out by designing marketing strategies in accordance with the stages of the product life cycle. This strategy includes various product models with superior raw materials, providing guarantees and excellent service, offering discounts, implementing promotions through advertising, and expanding strategic new business premises in the city centre.
{"title":"Strategi Marketing Mix dalam Pengembangan Usaha Berdasarkan Analisis Product Life Cycle (PLC): Studi pada Usaha Maharaja Garment Bangkalan","authors":"Ema Oktavia Rahmawati, Ety Dwi Susanti","doi":"10.47467/alkharaj.v6i6.2080","DOIUrl":"https://doi.org/10.47467/alkharaj.v6i6.2080","url":null,"abstract":"Every business has a goal to achieve profitability and when the business is successful, further development becomes a necessity. Today, the business that continues to grow and is always sought after by people is the convection business. This convection business aims to meet the needs of clothing as people's main clothing by placing orders in large quantities and following the development of trends. An example is the \"Maharaja Garment\" Convection in Bangkalan, which operates in the midst of competition from similar competitors, so it requires long-term business development to continue to grow. In this context, this research is descriptive, using data collection techniques through observation and documentation. The types and sources of data used include primary and secondary data. This study aims to determine the company's business strategy by applying the Product Life Cycle method. The results of the calculation using the Polli and Cook method show that the convection business of \"Maharaja Garment\" is in the growth stage. Therefore, the business development is carried out by designing marketing strategies in accordance with the stages of the product life cycle. This strategy includes various product models with superior raw materials, providing guarantees and excellent service, offering discounts, implementing promotions through advertising, and expanding strategic new business premises in the city centre.","PeriodicalId":517158,"journal":{"name":"Al-Kharaj: Jurnal Ekonomi, Keuangan & Bisnis Syariah","volume":"54 19","pages":""},"PeriodicalIF":0.0,"publicationDate":"2024-06-01","publicationTypes":"Journal Article","fieldsOfStudy":null,"isOpenAccess":false,"openAccessPdf":"","citationCount":null,"resultStr":null,"platform":"Semanticscholar","paperid":"141235486","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}
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