Garuda - Garba Rujukan Digital

PENGARUH TINGKAT LITERASI WARGA MUHAMMADIYAH TERHADAP INKLUSI KEUANGAN PRODUK TABUNGAN BANK SYARIAH mitra sami gultom; Sarah Afifah
Ekonomi Islam Vol. 11 No. 2 (2020): Jurnal Ekonomi Islam Fakultas Agama Islam UHAMKA
Publisher : Universitas Muhammadiyah Prof Dr Hamka

Show Abstract | Download Original | Original Source | Check in Google Scholar

The results of the Financial Services Authority (OJK) Survey in early 2018 showed that the level of Islamic financial literacy was only 8% while the level of inclusion, for Islamic banking itself, was at the highest literacy level, namely 6.6% literacy level and 9% level. 2016 shows that only 30 people have an adequate understanding of finance. This is a challenge to do to develop financial literacy. This study aims to see the level of literacy of Muhammadiyah citizens and financial inclusion of Islamic bank savings products. This research uses quantitative methods and simple regression analysis using SPSS Version 20 software. The independent variable in this study is Literacy. Finance (X1) from the results of the t-test of the financial literacy variable is 9,450 <0.1, which means a positive effect. And the F test shows jointly or simultaneously the Financial Literacy Variable on financial inclusion Sharia bank savings products with the calculated F value are 89,301 which means that it is greater than the F table, namely 3.95 and also has a significant value which is less than 0, 1 is worth 0.00. The test value of the determinant coefficient is 0.708. Keywords: Literacy Level, Muhammadiyah, Financial Inclusion, Savings Products

ANALISIS PENGARUH PERSEPSI KEMANFAATAN, PERSEPSI KEMUDAHAN PENGGUNAAN, DAN KEPERCAYAAN TERHADAP MINAT MENGGUNAKAN ALAT PEMBAYARAN NON TUNAI DENGAN JAKONE MOBILE Mitra Sami gultom; Nur Safitry
Ekonomi Islam Vol. 12 No. 2 (2021): Jurnal Ekonomi Islam Fakultas Agama Islam UHAMKA
Publisher : Universitas Muhammadiyah Prof Dr Hamka

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.22236/jei.v12i2.7950

This study aims to analyze how the effect of perceived usefulness, perceived ease of use and trust on interest in using non-cash payment instruments with jakone mobile on Bank DKI Syariah customers. The data used in this study is primary data and data collection using direct questionnaires with a sample of 100 people as respondents, this study uses probability sampling with simple random sampling method. The results of this study, in the t-test indicate that the perceived usefulness variable t-count value of 3.067 is greater than 1.98498, with a significant level value of t of 0.003 less than 0.05 which means that perceived usefulness has a positive effect on interest in using non-payment instruments. cash with jakone mobile. The ease of use variable t-count value of 7.498 is greater than 1.98498, with a significant level of t value of 0.000 less than 0.05 which means that the perception of ease of use has a positive effect on interest in using non-cash payment instruments with jakone mobile. The confidence variable t-count value is 2.679 which is greater than 1.98498, with a significant level of t value of 0.009 which is smaller than 0.05, which means that trust has a positive effect on interest in using non-cash payment instruments with jakone mobile. The results of the f test show that all independent variables consisting of perceived usefulness, perceived ease of use and trust simultaneously have a positive and significant effect on the dependent variable, namely interest in using non-cash payment instruments with jakone mobile, with an F count of 46.507 greater than 2.70 with significance level value of 0.000 is less than 0.05 Keywords: Perceived Usefulness, Perceived Ease of Use, Trust, Interest, JakOne Mobile

GAMBARAN HARGA SAHAM DITINJAU DARI TINGKAT INFLASI, NILAI TUKAR RUPIAH, DAN SUKU BUNGA: STUDI KASUS PERUSAHAAN YANG TERDAFTAR DI INDEKS LQ45 Andi Amri; Ramadhi; Mitra Sami Gultom
J-EBIS (Jurnal Ekonomi dan Bisnis Islam) Vol 7, No 2 (2022)
Publisher : IAIN Langsa

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.32505/j-ebis.v7i2.4051

The background of this research, the existence of stock price fluctuations which makes investors must be observant in analyzing stock prices. Otherwise, investors will suffer huge losses. In addition, increases in inflation, the rupiah exchange rate, and book rates are among the factors that affect stock prices, so that stocks become out of control and continue to increase. The objectives of this study are 4, namely to analyze the inflation rate on stock prices, the rupiah exchange rate for stock prices, interest rates on stock prices, and finally to analyze together the influence of inflation rates, rupiah exchange rates, and interest rates on stock prices. especially for companies listed on the LQ45 Index. This type of descriptive quantitative research with purposive sampling method of sampling at the LQ45 company which consists of 45 companies, in order to obtain 225 observations for each variable. The data source for the company's annual report uses the data analysis technique, namely panel data regression. The results of the research that have been done can be concluded that partially inflation, exchange rates, and interest rates have a significant and significant effect on stock prices. Meanwhile, simultaneously both have an influence on stock prices and have an adjust R Square value of 88.93% and 11.07% influenced by other factors not present in this study.

A THE EFFECT OF FINANCIAL LITERACY, TECHNOLOGY LITERACY, AND LYFESTYLE ON THE USE OF ELECTRONIC MONEY (CASE STUDY OF ISLAMIC BANKING STUDENTS IN JAKARTA) Mitra Sami Gultom; Ainul Latif
Ekonomi Islam Vol. 13 No. 2 (2022): Jurnal Ekonomi Islam Fakultas Agama Islam UHAMKA
Publisher : Universitas Muhammadiyah Prof Dr Hamka

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.22236/jei.v13i2.10378

The current study aims to determine the effect of financial literacy, technology literacy, and lifestyle on the use of electronic money on Islamic Banking students. The type of this study is a quantitative approach using a descriptive technique. The method used in the study was distributing questionnaires to 91 students who enroll Islamic Banking course in Jakarta who use electronic money. Further, non-probability sampling and purposive sampling methods were applied to yield the data. Processing the data were then calculated by SPSS 25 and Microsoft Excel. The data analysis utilized a Multiple Linear Regression Analysis. The results of this study indicate that financial literacy, technological literacy and lifestyle simultaneously have positive and significant effects on the use of electronic money. The partial test shows that the financial literacy variable (X1) does not have a significant effect on the use of electronic money (Y), while the technological literacy variable (X2) has a positive and significant effect on the use of electronic money (Y), and the lifestyle variable (X3) has a positive effect and significant to the use of electronic money (Y). Keywords: Financial Literacy, Technology Literacy, Lifestyle, Electronic Money.

Financial Attitude and Spiritual Intelligence as Predictors of Financial Management Behavior in LAZISMU Employees Muhammadiyah Center Andi Amri; Mitra Sami Gultom
JURNAL EKONOMI SYARIAH Vol 8, No 1 (2023): Jurnal Ekonomi Syariah
Publisher : Universitas Siliwangi

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.37058/jes.v8i1.6694

This study aims to see the influence of financial attitude on financial management behavior in employees of LAZISMU Muhammadiyah Center and also the influence of spiritual intelligence on financial management behavior on employees of LAZISMU Employees Muhammadiyah Center. The type of research used is quantitative with a causality approach. The population in this study was all employees of LAZISMU Muhammadiyah Center, so that as many as 55 respondents were obtained after sampling with purposive sampling. Data analysis techniques use multiple linear regression. The results showed that Financial Attitude has a positive and significant effect on Financial Management Behavior and similarly Spiritual Intelligence also has a positive and significant effect on Financial Management Behavior. The results of this study on an R2 basis had a considerable influence, namely 70.6% while the remaining 29.4% of other factors outside this study.

KONSEP ETIKA BISNIS ISLAM TERHADAP JUAL BELI ONLINE DALAM PERSPEKTIF FIQIH DAN FATWA DSN-MUI NO.05/DSN-MUI/IV/2000 YANG DITERAPKAN PADA PT HIJUP.COM. Mitra Sami Gultom; Melda Putri; Fatma Yeni
Ekonomi Islam Vol. 10 No. 1 (2019): Jurnal Ekonomi Islam Fakultas Agama Islam UHAMKA
Publisher : Universitas Muhammadiyah Prof Dr Hamka

Show Abstract | Download Original | Original Source | Check in Google Scholar | Full PDF (288.497 KB)

The technological developments have affected the development of online business or e-commerce. It can facilitate consumers in business transaction activities. The lack of application of Islamic Business Ethic gave the rise to cyber crime. The application of Islamic business ethics were first applied by the Messenger of Allah, who behaved fairly, honestly and reliably in carrying out his business activities.The method of this research conducted by qualitative approach which conceptualizes Islamic business ethic against online buying and selling in the perspective of Fiqih and DSN-MUI Fatwa No. 05 / DSN-MUI / IV / 2000. In conceptualizing, the researcher uses descriptive analysis in analyzing PT. Hijup.com. Based on the descriptive analysis in managing Islamic business ethics on online transaction, it shows that Islamic business ethics towards online transactions are in accordance with Fiqih and DSN-MUI Fatwa No. 05 / DSN-MUI / IV / 2000 that have been applied to PT Hijup.com. Conformity is applied because of the Hijup has developed human resource and business partners well, and the presence of new innovations in the conducting service that is in accordance with the application of Islamic business ethics. Keywords: Islamic Business Ethics, Online Transaction, Fiqh and DSN-MUI Fatwa NO. 05 / DSN-MUI / IV / 2000, PT hijup.com

PENGARUH TINGKAT LITERASI WARGA MUHAMMADIYAH TERHADAP INKLUSI KEUANGAN PRODUK TABUNGAN BANK SYARIAH mitra sami gultom; Sarah Afifah
Ekonomi Islam Vol. 11 No. 2 (2020): Jurnal Ekonomi Islam Fakultas Agama Islam UHAMKA
Publisher : Universitas Muhammadiyah Prof Dr Hamka

Show Abstract | Download Original | Original Source | Check in Google Scholar | Full PDF (545.039 KB)

The results of the Financial Services Authority (OJK) Survey in early 2018 showed that the level of Islamic financial literacy was only 8% while the level of inclusion, for Islamic banking itself, was at the highest literacy level, namely 6.6% literacy level and 9% level. 2016 shows that only 30 people have an adequate understanding of finance. This is a challenge to do to develop financial literacy. This study aims to see the level of literacy of Muhammadiyah citizens and financial inclusion of Islamic bank savings products. This research uses quantitative methods and simple regression analysis using SPSS Version 20 software. The independent variable in this study is Literacy. Finance (X1) from the results of the t-test of the financial literacy variable is 9,450 <0.1, which means a positive effect. And the F test shows jointly or simultaneously the Financial Literacy Variable on financial inclusion Sharia bank savings products with the calculated F value are 89,301 which means that it is greater than the F table, namely 3.95 and also has a significant value which is less than 0, 1 is worth 0.00. The test value of the determinant coefficient is 0.708. Keywords: Literacy Level, Muhammadiyah, Financial Inclusion, Savings Products

ANALISIS PENGARUH PERSEPSI KEMANFAATAN, PERSEPSI KEMUDAHAN PENGGUNAAN, DAN KEPERCAYAAN TERHADAP MINAT MENGGUNAKAN ALAT PEMBAYARAN NON TUNAI DENGAN JAKONE MOBILE Mitra Sami Gultom; Nur Safitry
Ekonomi Islam Vol. 12 No. 2 (2021): Jurnal Ekonomi Islam Fakultas Agama Islam UHAMKA
Publisher : Universitas Muhammadiyah Prof Dr Hamka

This study aims to analyze how the effect of perceived usefulness, perceived ease of use and trust on interest in using non-cash payment instruments with jakone mobile on Bank DKI Syariah customers. The data used in this study is primary data and data collection using direct questionnaires with a sample of 100 people as respondents, this study uses probability sampling with simple random sampling method. The results of this study, in the t-test indicate that the perceived usefulness variable t-count value of 3.067 is greater than 1.98498, with a significant level value of t of 0.003 less than 0.05 which means that perceived usefulness has a positive effect on interest in using non-payment instruments. cash with jakone mobile. The ease of use variable t-count value of 7.498 is greater than 1.98498, with a significant level of t value of 0.000 less than 0.05 which means that the perception of ease of use has a positive effect on interest in using non-cash payment instruments with jakone mobile. The confidence variable t-count value is 2.679 which is greater than 1.98498, with a significant level of t value of 0.009 which is smaller than 0.05, which means that trust has a positive effect on interest in using non-cash payment instruments with jakone mobile. The results of the f test show that all independent variables consisting of perceived usefulness, perceived ease of use and trust simultaneously have a positive and significant effect on the dependent variable, namely interest in using non-cash payment instruments with jakone mobile, with an F count of 46.507 greater than 2.70 with significance level value of 0.000 is less than 0.05 Keywords: Perceived Usefulness, Perceived Ease of Use, Trust, Interest, JakOne Mobile

A THE EFFECT OF FINANCIAL LITERACY, TECHNOLOGY LITERACY, AND LYFESTYLE ON THE USE OF ELECTRONIC MONEY (CASE STUDY OF ISLAMIC BANKING STUDENTS IN JAKARTA) Mitra Sami Gultom; Ainul Latif
Ekonomi Islam Vol. 13 No. 2 (2022): Jurnal Ekonomi Islam Fakultas Agama Islam UHAMKA
Publisher : Universitas Muhammadiyah Prof Dr Hamka

The current study aims to determine the effect of financial literacy, technology literacy, and lifestyle on the use of electronic money on Islamic Banking students. The type of this study is a quantitative approach using a descriptive technique. The method used in the study was distributing questionnaires to 91 students who enroll Islamic Banking course in Jakarta who use electronic money. Further, non-probability sampling and purposive sampling methods were applied to yield the data. Processing the data were then calculated by SPSS 25 and Microsoft Excel. The data analysis utilized a Multiple Linear Regression Analysis. The results of this study indicate that financial literacy, technological literacy and lifestyle simultaneously have positive and significant effects on the use of electronic money. The partial test shows that the financial literacy variable (X1) does not have a significant effect on the use of electronic money (Y), while the technological literacy variable (X2) has a positive and significant effect on the use of electronic money (Y), and the lifestyle variable (X3) has a positive effect and significant to the use of electronic money (Y). Keywords: Financial Literacy, Technology Literacy, Lifestyle, Electronic Money.

ANALISIS PENGARUH PERSEPSI KEMANFAATAN, PERSEPSI KEMUDAHAN PENGGUNAAN, DAN KEPERCAYAAN TERHADAP MINAT MENGGUNAKAN ALAT PEMBAYARAN NON TUNAI DENGAN JAKONE MOBILE Mitra Sami Gultom; Nur Safitry
Ekonomi Islam Vol. 12 No. 2 (2021): Jurnal Ekonomi Islam Fakultas Agama Islam UHAMKA
Publisher : Universitas Muhammadiyah Prof Dr Hamka

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.22236/jei.v12i2.7950

This study aims to analyze how the effect of perceived usefulness, perceived ease of use and trust on interest in using non-cash payment instruments with jakone mobile on Bank DKI Syariah customers. The data used in this study is primary data and data collection using direct questionnaires with a sample of 100 people as respondents, this study uses probability sampling with simple random sampling method. The results of this study, in the t-test indicate that the perceived usefulness variable t-count value of 3.067 is greater than 1.98498, with a significant level value of t of 0.003 less than 0.05 which means that perceived usefulness has a positive effect on interest in using non-payment instruments. cash with jakone mobile. The ease of use variable t-count value of 7.498 is greater than 1.98498, with a significant level of t value of 0.000 less than 0.05 which means that the perception of ease of use has a positive effect on interest in using non-cash payment instruments with jakone mobile. The confidence variable t-count value is 2.679 which is greater than 1.98498, with a significant level of t value of 0.009 which is smaller than 0.05, which means that trust has a positive effect on interest in using non-cash payment instruments with jakone mobile. The results of the f test show that all independent variables consisting of perceived usefulness, perceived ease of use and trust simultaneously have a positive and significant effect on the dependent variable, namely interest in using non-cash payment instruments with jakone mobile, with an F count of 46.507 greater than 2.70 with significance level value of 0.000 is less than 0.05 Keywords: Perceived Usefulness, Perceived Ease of Use, Trust, Interest, JakOne Mobile

Title

Found 14 Documents
Search

Abstract

Abstract

Abstract

Abstract

Abstract

Abstract

Abstract

Abstract

Abstract

Abstract

Title Search

Found 14 Documents Search

Abstract

Abstract

Abstract

Abstract

Abstract

Abstract

Abstract

Abstract

Abstract

Abstract

Title

Found 14 Documents
Search