AICOS: Asian Journal Of Islamic Economic Studies

THE INFLUENCE OF FINANCIAL LITERACY, LIFESTYLE, AND MOTIVATION ON THE CONSUMPTIVE BEHAVIOR OF GENERATION Z

Amalia Zeta Syarofina — 2023-01-15

In today's rapidly advancing and modern era, technological progress has a profound impact on the lives of Generation Z individuals. This generation, known for its familiarity with the digital world, enjoys the convenience of fulfilling their needs. However, this accessibility can also lead to tendencies of extravagance and consumptive behavior. This study aims to investigate the impact of financial literacy, lifestyle, and motivation on the consumptive behavior of Generation Z students at the Faculty of Economics and Business, Sultan Aji Muhammad Idris Samarinda State Islamic University. The research involved 100 students as participants, focusing on their consumptive behavior. Data were collected through questionnaires using stratified sampling techniques. The quantitative correlation method was employed, with the multiple linear regression test used for data analysis. The findings revealed a significant value of 0.000 < 0.05, indicating that financial literacy, lifestyle, and motivation collectively influence the consumptive behavior of Generation Z students at the Faculty of Economics and Islamic Business. However, when examined individually, the financial literacy variable showed a sig value of 0.301 > 0.05, and the motivation variable had a sig value of 0.143 > 0.05, suggesting no significant influence on the consumptive behavior of Generation Z. In contrast, the lifestyle variable demonstrated a sig value of 0.000 < 0.05, signifying a significant impact on the behavior of Generation Z students at the Faculty of Economics and Islamic Business

FINANCIAL PERFORMANCE ANALYSIS USING ECONOMIC VALUE ADDED (EVA) AND MARKET VALUE ADDED (MVA) METHODS AT PT. DIAGNOSIS LABORATORIUM UTAMA, TBK

Izzul Haq Firman Maulana — 2023-01-15

The purpose of this study was to determine the company's financial performance using the Economic Value Added (EVA) method and the Market Value Added (MVA) method. Measurement of the company's financial performance is needed to determine success in achieving the goals of a company. The type of research used is descriptive research using a quantitative approach. The object of research is PT Diagnosis Laboratorium Utama (DGNS) Tbk. period 2020 - 2022. The data used is secondary data in the form of financial reports obtained from the Indonesia Stock Exchange (BEI). The data analysis technique uses the EVA and MVA methods. The results of the research conducted show that in 2020 the EVA value is categorized as positive or above 0 (EVA>0). This proves that the company's management has succeeded in creating economic added value for the company and is also able to provide a rate of return to investors. However, in 2022 it decreased, EVA was negative or below 0 (EVA <0). Meanwhile, the calculation using the Market Value Added (MVA) method, the MVA data generated in 2020 is negative where the MVA value is <0. For 2021-2022, it is included in the MVA> 0 category or it can be said that it always produces positive values. It can be concluded that management has been able to increase shareholder wealth.

LITERATURE REVIEW : THE IMPACT OF CORRUPTION ON ECONOMIC GROWTH A CASE STUDY BY COUNTRY: SAUDI ARABIA, QATAR AND TURKIYE

Joko Susilo — 2023-01-15

This study examines the direct influence of corruption on economic development in Saudi Arabia, Qatar, and Turkiye. The descriptive analysis is offered in tables and narratives related to the results obtained from the articles collected in the form of a literature review. The findings of this literature study indicate that researchers have identified a detrimental influence of corruption on economic growth. Specifically, corruption has been seen to have direct repercussions on variables such as the debt-to-GDP ratio and Foreign Direct Investment, posing a substantial obstacle to sustainable development. On the other hand, corruption has indirect consequences via many transmission channels, such as its impact on investments in physical capital. This study aims to conduct a comprehensive literature analysis using a comparative case study approach focusing on three countries: Saudi Arabia, Qatar, and Turkiye. In contrast, scholars like the Organization of Islamic Cooperation (OIC), GCC Countries, and D-8 Countries want to undertake targeted investigations. To the author's understanding, this study represents a pioneering effort to establish an empirical and theoretical foundation to support the researcher's analysis of the ramifications of corruption within Saudi Arabia, Qatar, and Turkiye.

INFLUENCE OF CORPORATE SOCIAL RESPONSIBILITY (CSR) PT. SMGP ON COMMUNITY WELFARE AT PUNCAK SORIK MARAPI

Midatul Khoiriah — 2023-01-15

This research aims to determine the influence of Corporate Social Responsibility (CSR) of PT. SMGP towards Community Welfare in Puncak Sorik Marapi. The research method used was quantitative with random sampling techniques, the research sample was 98 respondents. Data analysis in this study uses a validity test with person correlation results for each question point > r table so that it can be stated that all points are valid, while the reliability test on variable X is 887 and variable Y is 735, the normality test is normally distributed because Asymp.sig (2-tailed) is 0.200 > 0.05, and the linearity test proves there is a linear relationship because the deviation from linearity value is > 0.05. Testing the hypothesis of this research using the t test obtained t-count10,191. This shows that there is an influence of Corporate Social Responsibility (CSR) on community welfare in Puncak Sorik Marapi District. and the coefficient of determination test results show 0.520, this provides an assumption that the influence of CSR on community welfare is 52.0% while the rest is influenced by other factors outside the research.

LOCAL ECONOMIC DEVELOPMENT THROUGH TOURISM IN SAMARINDA

Muhammad Aditya Rahman — 2023-01-15

This study aims to examine the impact of tourist destinations on the social and economic influence of the local community's destination. This method uses qualitative descriptive and purposive sampling methods and focuses on the chairman of the business group. The results of this study indicate a synergy between the existence of the tourism sector to improve the economy and social community in tourist destination areas.

THE EFFECT OF FINANCIAL LITERACY ON BUSINESS INTEREST: A CASE STUDY ON FEBI UINSI SAMARINDA STUDENTS

Nova Eliza — 2023-01-15

The aim of the research is to determine the influence of entrepreneurship education, financial literacy, family environment, and love of money on the current entrepreneurial intentions of students at the Faculty of Economics, Sultan Aji Muhammad Idris National Islamic University. This research is quantitative or uses numbers as a measure. Data was collected using a questionnaire or questionnaire using random sampling techniques and distributed to 150 respondents or students. In this research, researchers used descriptive data analysis techniques. The results of this research show that financial literacy has a positive impact on investment decisions and decisions to be interested in business development for the majority of students. Financial behavior has a positive influence on investment decisions.

ISLAMIC ECONOMIC CONCEPTS IN THE UMAYYAH, ABASSIYYAH, AND OTTOMAN EMPIRE BASED ON HISTORICAL APPROACHES

Nurdin I Muhammad — 2023-01-15

The concept of Islamic economics has emerged since Islam was revealed through the Prophet Muhammad SAW which was then continued during the leadership of the khulafaur Rashidun. It was then that Islam began to influence the world. Islam experienced progress and setbacks, this also happened to the economy of its time, the progress of Islamic power achieved during the Abbasid period, and its collapse when it was attacked by the Mongols. This study uses historical methods using a descriptive qualitative approach. The purpose of this study is to determine the economic concept of the Umayyad, Abassiyyah, and Ottoman Turks based on a historical approach. The output of this research is that the Umayyads became the first government in Islam to implement a monarchiheridetic system or what is commonly called hereditary power. During his reign he was able to build a well-organized Muslim society as a conducive condition for his economy. The Abbasid dynasty, which was established from 750 AD - 1258 AD, at this time was called "The Golden Age" which means it reached the peak of glory, both in the fields of economy, civilization and power. During Al-Mahdi's reign, the country's economy began to increase by increasing the agricultural sector through irrigation and increasing mining output. Sulaiman Al Qanuni's leadership was the golden peak of Islam in the Ottoman Empire, he succeeded in carrying out laws based on Islamic law. In the economic field, at the peak of its progress, all important areas and cities that were centers of trade and economy fell into his hands.

THE INFLUENCE OF ENTREPRENEURIAL KNOWLEDGE AND FINANCIAL MANAGEMENT ON INTEREST IN STARTING A BUSINESS IN STUDENTS OF FEBI IAIN KERINCI

Vhyola Dewi Kartika — 2023-01-15

This study aims to determine the effect of Entrepreneurial Knowledge of Entrepreneurship and Financial Management, simultaneously or partially, on the interest in starting a business for students of the Islamic Economics and Business Faculty IAIN Kerinci. This type of research is descriptive quantitative research. The population in this study were students of the Faculty of Economics and Islamic Business IAIN Kerinci majoring in Islamic Banking and Islamic Economics class of 2018 and 2019. The sample was determined using a cluster random sampling technique so that the respondents of this study were 82 students. Data collection techniques using a questionnaire. The data analysis technique in this study uses multiple linear regression analysis with the help of the program SPSS version 23. The results showed that both partially and simultaneously entrepreneurial knowledge of entrepreneurship and financial management significantly affected the interest in starting a business for students of the Faculty of Economics and Islamic Business IAIN Kerinci.

THE ROLE SHARIA PEER TO PEER LANDING SUPPORTS HALAL INDUSTRY

Trimulato Trimulato — 2023-01-15

The development of the Sharia financial industry is growing, and the types of products offered are increasingly varied and become people's choices, like present Sharia fintech. The Sharia financial industry is growing the halal industry too and gaining global recognition. Halal industry encouraged grow through access capital, and other support Islamic financial institutions. The role Sharia fintech can work to develop halal industry. Research purposes is to determine development the growth sharia fintech, and development halal industry. As well as outlining form of role sharia fintech supporting halal industry. Research methods are qualitative methods with library research. Secondary data sources are used, including the Financial Services Authority (OJK), National Committee Sharia Economics and Finance (KNEKS), LPPOM MUI, and other sources. The data collection technique used library-relevant sources and research theme. The analytical technique used is descriptive qualitative, describing the development, sharia fintech, the halal industry, and the role of sharia fintech in the halal industry. Sharia fintech Peer to Peer Landing (P2P) assets fell -12 percent, and players fell 12 percent. Certified halal products 2021 grew 2,531.49 percent. Spending on halal industry food sector is 77.23 total other halal industries. The role of Sharia fintech is to support the halal industry; funding business development is provided. The role sharia fintech synergize in assisting and marketing products for industry to get financing. Sharia fintech can synergize with assistance and product marketing for the halal industry to obtain financing. The role of sharia fintech in supporting the real sector, especially for the halal industry business with the service excellence it has.

CUSTOMER PERCEPTION OF E-BANKING SERVICES AT PT. BANK RAKYAT INDONESIA

Ahmad Zulkifli — 2023-01-15

E-Banking services are banking services that can facilitate customers in obtaining information and conducting various types of banking transactions using electronic equipment. Each customer has a different picture of E-Banking services. The purpose of this study is to determine public perceptions about BRI E-Banking services and factors that influence people to use BRI E-Banking services. Researchers used qualitative methods with data collection techniques with interviews with 20 informants, as well as with documentation. Data analysis techniques through three flows, namely, data reduction, display data, and conclusions. From the results of the study, it is known that the existence of the BRI E-Banking service has a positive impact on the community, this is seen from the number of people who say that this service provides convenience in transacting both transfers, checking balances, or other transactions. The factors that influence people to use E-Banking services are ease of transactions, according to community needs, paying loan instalments, and making cash deposits.