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All Journal E-Bisnis : Jurnal Ilmiah Ekonomi dan Bisnis EKSYA: Jurnal Ekonomi Syariah Jurnal Riset Manajemen dan Akuntansi (JURIMA) Jurnal Ilmiah Manajemen, Ekonomi dan Akuntansi Dinamika Jurnal Manajemen Keuangan Syariah Jurnal Riset Manajemen dan Ekonomi Jurnal Nuansa: Publikasi Ilmu Manajemen dan Ekonomi Syariah Jurnal Ilmiah Research Student Jurnal Penelitian Ilmu Ekonomi dan Keuangan Syariah Maslahah: Jurnal Manajemen dan Ekonomi Syariah
Agustina Mutia
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Religion Computer Science & IT Decision Sciences, Operations Research & Management Economics, Econometrics & Finance Mathematics Medicine & Pharmacology Social Sciences

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PENGARUH LITERASI KEUANGAN, SIKAP KEUANGAN DAN KEPRIBADIAN TERHADAP PERILAKU PENGELOLAAN KEUANGAN PADA MAHASISWA DI KOTA JAMBI Mohd Jaker; Nazori Majid; Agustina Mutia
Manajemen Keuangan Syariah Vol. 3 No. 2 (2023): Journal of Islamic Financial Management
Publisher : Program Studi Manajemen Keuangan Syariah

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.30631/makesya.v3i2.2012

Abstract

The era of the industrial revolution 5.0 inIndonesia is currently making society as modern humans must have financial intelligence, namely intelligence in managing being responsible for their personal finances so as not to cause an imbalance between income and expenses which will also have an impact on the level of welfare of the individual's life.This research is a quantitative research with primary data as the data source used. The population in this study were 7 Islamic tertiary institutions in Jambi City with a total of 14,760 students. There are three data analyzes used in this study, namely the classic assumption test which consists of a normality test, multicollinearity test and heteroscedasticity test. The results showed that the classical assumption test had been fulfilled. Based on the results of testing the financial literacy variable (X1) it influences financial management behavior with a significance level of 0.013. The financial attitude variable (X2) has an effect on financial management with a significance level of 0.000. Spiritual intelligence variable (X3) has no effect on financial management with a significance level of 0.268. Meanwhile, the financial literacy variables, financial attitudes and financial intelligence jointly affect student financial management. Keywords: Financial Literacy, Spiritual Intelligence, Financial Management  
Pengaruh Religiusitas Dan Pengetahuan Konsumen Terhadap Keputusan Pembelian Properti Pada PT.Griya Permata Kencana Jambi Lady Ragia Alfa; A. Tarmizi; Agustina Mutia; Victor Diwantara
JURNAL RISET MANAJEMEN DAN EKONOMI (JRIME) Vol. 2 No. 1 (2024): JANUARI : JURNAL RISET MANAJEMEN DAN EKONOMI
Publisher : Institut Teknologi dan Bisnis (ITB) Semarang

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.54066/jrime-itb.v2i1.1144

Abstract

The demand for houses is increasing from year to year in line with the growth in population in Indonesia. Meanwhile, the availability of houses is not proportional to the large number of requests. This is one of the factors causing the very high increase in house prices. In the city of Jambi, there are already several houses that use the conventional system, namely using interest in their operational transactions, such as KPR Bank BRI, Bank Mandiri, Bank BNI and others. Meanwhile, housing developments that use the sharia system have increased. The middle-urban community who are critical and want to implement an Islamic lifestyle one hundred percent are starting to switch, they are no longer using conventional and sharia mortgages that are sold in national banks, but instead are utilizing sharia-based mortgage facilities in sharia housing, which are not products of banking financial institutions, but from developers. This study aims to determine the effect of religiosity and consumer knowledge on purchasing decisions of sharia property at PT. Griya Permata Kencana Jambi. The subjects of this research are consumers of PT. Griya Permata Kencana Jambi. The population in this study amounted to 220 people and a sample of 69 people. And the research method used is quantitative method, this study uses primary and secondary data with multiple linear regression models.
PENGARUH SUPPORTING ENVIRONMENTAL PROTECTION DAN GREEN IDENTIFICATION PRODUCT TERHADAP KEPUTUSAN PEMBELIAN GREEN PRODUCT PADA MAHASISWA Baso Agus Salim; Agustina Mutia; Ahmad Syukron Prasaja
Dinamika: Jurnal Manajemen Sosial Ekonomi Vol 3 No 2 (2023): DINAMIKA : Jurnal Manajemen Sosial Ekonomi
Publisher : LPPM Sekolah Tinggi Ilmu Ekonomi - Studi Ekonomi Modern

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.51903/dinamika.v3i2.378

Abstract

The primary concern of society today is the increasing amount of plastic waste. Indonesia is facing a serious problem in handling this waste, primarily due to its growing population. Indonesians tend to heavily rely on plastic products in their daily lives, and this plastic usage contributes to the rising amount of plastic waste. This highlights a significant issue in maintaining environmental sustainability in Indonesia, particularly in the province of Jambi. As the vanguard of environmental conservation efforts, students must possess awareness in safeguarding the environment. Environmental issues become even more worrisome when society cannot change its behavior to improve the situation. Therefore, there is a need to enhance supporting environmental protection as an effort to provide environmental protection and use environmentally friendly products known as green products. This research aims to determine and analyze the influence of supporting environmental protection and green product identification on the purchasing decisions of green products. The data collection method used is quantitative, with data analysis through the Determinant Coefficient test. A sample of 97 respondents was selected using the Stratified Random Sampling technique. This study employs statistical analysis. The simultaneous results of the research indicate that both supporting environmental protection and green product identification have a positive and significant influence on purchasing decisions. The coefficient of determination calculation shows that the variables supporting environmental protection and green product identification collectively influence 50.1% of the outcome, while the remaining 49.9% is affected by variables outside the scope of this study.
Pengaruh Pengetahuan dan Persepsi Masyarakat Terhadap Minat Menggunakan Pembiayaan Murabahah di Baitul Maal Wat-Tamwil Al-Ishlah Kota Jambi Via Ullya Syafitri; Agustina Mutia; Mohammad Orinaldi
Jurnal Nuansa : Publikasi Ilmu Manajemen dan Ekonomi Syariah Vol. 1 No. 4 (2023): Desember : Jurnal Nuansa : Publikasi Ilmu Manajemen dan Ekonomi Syariah
Publisher : Asosiasi Riset Ilmu Manajemen Kewirausahaan dan Bisnis Indonesia

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.61132/nuansa.v1i4.347

Abstract

Economic life cannot be separated from the important role of the financial services sector in general and banking in particular. It is through this media that the aim is to realize a healty economy by empowering existing funds or investment potential in the community which can be channeled into various productive activities so that healthy economic growth can be achieved and avoid usury. There are several financing products such as mudharabah, ar-rahn, and qardhul hasan. Baitul Maal Wat-Tamwil to provide financing to small businesses cannot possibly be replaced by sharia banks, because it is impossible for sharia banks to operate in small scale financing, while the community needs small capital. The purpose of this study was to determine the effect of knowledge the intention to use murabahah financing in the Baitul Maal Wa-Tamwil Al-Ishlah, Jambi City, to determine the effect of public perceptions on yhe interest in using murabahah financing in the Baitul Maal Wat-Tamwil Al-Ishlah, Jambi City, and to determine the influence of public knowledge and perceptions of interest in using murabahah financing in Baitul Maal Wat-Tamwil, Jambi City. This research is a quantitative research, collecting data using questionnaires and questionnaires. The sampel for this research was the local community in RT 19, Simpang IV Sipin Subdistrict, Telanaipura District, Jambi City, totaling 86 peole. The reseacrh results show that the variables of knowledge and public perception influence interest in using murabahah financing. The results of calculating the coefficient of determination show that the variables of knowledge and public perception are 76,9% and 23,1% influenced by other variables outside this reseach.
Analisis Jaminan Produk Halal Menggunakan Sertifikasi Halal dalam Meningkatkan Daya Saing : (Studi pada Produk Pisang Sale di Desa Purwo Bakti Kecamatan Bathin III) Fika Nadila; Muhammad Ismail; Agustina Mutia
Jurnal Nuansa : Publikasi Ilmu Manajemen dan Ekonomi Syariah Vol. 2 No. 3 (2024): September : Jurnal Nuansa : Publikasi Ilmu Manajemen dan Ekonomi Syariah
Publisher : Asosiasi Riset Ilmu Manajemen Kewirausahaan dan Bisnis Indonesia

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.61132/nuansa.v2i3.1090

Abstract

Halal food halal refers to good food that does not contain substances or ingredients that are dangerous or prohibited in Islamic teachings and are prohibited from being eaten by Muslims. According to Islamic economics, halal certification is used to determine the halalness of a product being sold. This research aims to find out how the implementation of the halal guarantee system can increase competitiveness. Judging from the research objectives, this research uses qualitative methods by combining observation, interview and documentary data collection techniques. Research data regarding halal product guarantees for halal food products in Purwo Bakti Village, Bathin III Bungo District is in-depth and comprehensive. Then data acquisition was carried out and descriptive analysis was carried out. The research results show that the implementation of the Halal Guarantee System (SJH) using halal certification by business owners, the implementation components are materials, products, product facilities, traceability and product handling that meet the criteria. Pisang Sale has halal certification which is shown by the presence of a halal certificate and other factors so that business people think that having a halal label on the product packaging makes buyers more confident in buying and makes it easier to market the product in supermarkets and nearby shops.
THE EFFECT OF EXECUTIVE CHARACTERISTICS, CONSTITUTIONAL OWNERSHIP, PROFITABILITY, AND LEVERAGE ON TAX AVOIDANCE IN COAL SUB-SECTOR COMPANIES LISTED ON THE INDONESIA STOCK EXCHANGE FOR THE 2015-2020 PERIOD Melita Yuniza; Sucipto; Agustina Mutia
EKSYA : Jurnal Ekonomi Syariah Vol 4 No 1 (2023): JURNAL EKSYA: JURNAL EKONOMI SYARIAH
Publisher : Program Studi Ekonomi Syariah Sekolah Tinggi Agama Islam Negeri Mandailing Natal

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.56874/eksya.v4i1.1149

Abstract

This study aims to determine the influence of executive, constitutional ownership, profitability, and leverage against tax avoidance in the enterprise sub-sector coal, which memiliki owns shares sharia listed on the Indonesia Stock Exchange. The sampling technique in this study used purposive sampling. 11 coal sub-sector companies were sampled in the study during the 2015-2020 period. This research is a quantitative study using secondary data. The analysis technique in this research is panel data analysis. The results of this study indicate that the characteristics of the Executive, Constitutional Ownership, and Return on Assets affect Tax Avoidance. At the same time, the Debt to Equity Ratio does not affect Tax Avoidance.
Pengaruh Shopping Enjoyment, Pengalaman Pembelian dan Religiusitas Terhadap Minat Beli Produk Fashion Di Online Shop (Studi Pada Generasi Z di Kota Jambi) Elza Berta Salsabila; Agustina Mutia; Syahril Ahmad
JURNAL ILMIAH RESEARCH STUDENT Vol. 1 No. 1 (2023): September
Publisher : CV. KAMPUS AKADEMIK PUBLISING

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.61722/jirs.v1i1.34

Abstract

Someone's urge to buy anything develops after being stimulated by the object he sees. This desire first develops into a desire to test the product, then develops into a desire to buy in order to have it. The formation of purchase intention is influenced by several factors, one of which is shopping enjoyment, purchasing experience and religiosity. This study aims to determine the effect of shopping enjoyment, purchasing experience and religiosity on consumer buying interest in fashion products in online shops. Samples were taken as many as 270 respondents using the sampling method in this study, namely Proportionate Stratified Random Sampling. This study used the SPSS calculator version 22. The results showed that shopping enjoyment, buying experience, and religiosity had a positive and significant effect on the intention to buy fashion products in online shops. Based on data analysis in this study, these variables are valid and reliable
ANALISIS PERILAKU KONSUMTIF MAHASISWA DALAM PERSPEKTIF EKONOMI ISLAM : Studi Kasus Mahasiswa Kota Jambi Tuty Alawiyah; Agustina Mutia; Ferry Saputra Tanjung
Jurnal Riset Manajemen dan Akuntansi Vol. 3 No. 3 (2023): Desember: Jurnal Riset Manajemen dan Akuntansi
Publisher : Pusat Riset dan Inovasi Nasional

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.55606/jurima.v3i3.2478

Abstract

Consumption is inseparable from the rules and requirements set by Islamic teachings. However, in consuming, we must behave according to the standards and ethics of consumption in the Islamic economy. Therefore, in the order of life, Islam has regulated how humans can carry out activities that can be consumed so that they are beneficial to their lives. To achieve this goal, an understanding of Muslim consumer behavior is needed. In this case, Yusuf Al-Qardhawi explains how to consume, rules and correct behavior according to the recommendations of the Qur'an and Sunnah and how to apply them in life in an Islamic economic perspective. In consuming, Jambi City students must follow Yusuf Al-Qardhawi's consumer standards and ethics. The type of research used is descriptive qualitative. The data in this study were obtained from primary data and secondary data. With data collection techniques, namely interviews, observation and documentation.  The results of this study indicate several things that happen to students who drink liquor in the city of Jambi, namely: 1) Spending wealth for good and staying away from miserliness can be interpreted as using assets owned for self-interest as well as a way to worship Allah SWT. Jambi City students have not fully implemented the concept of spending wealth properly and avoiding extravagance or israf. 2) Islam prohibits excessive consumption of wealth for useful and not excessive purposes (waste/israf). 3) Modesty in spending wealth can be seen from the attitude between miserly and miserly, excessive behavior and attitudes in between, including the attitude of luxury. This implementation should be in everyone.
Persaingan Antar Pedagang Dalam Perspektif Etika Bisnis Islam : Studi Pasar Tradisional Keramat Tinggi Kecamatan Muara Bulian Siraj Aiqan Zhorifi; Agustina Mutia; Agusriandi Agusriandi
Jurnal Penelitian Ilmu Ekonomi dan Keuangan Syariah Vol. 1 No. 4 (2023): November : Jurnal Penelitian Ilmu Ekonomi dan Keuangan Syariah
Publisher : STAI YPIQ BAUBAU, SULAWESI TENGGARA

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.59059/jupiekes.v1i4.421

Abstract

In today's digital era, the economy is a very important aspect for every human life in order to meet every need such as clothing, food and shelter. In Islam, every human being is encouraged to compete in trying, but Islam underlines that the intended effort should be in terms of goodness not the other way around which can plunge people into satanic acts. In this study the method used is a qualitative method. The informants in this study were eight traders and three buyers. The type of data used is primary data with data collection techniques in the form of observation, interviews and documentation. Checking the validity of the data is done by testing the internal validity (credibility), preparing a triangulation plan, identifying informants and participants. Based on the results of this study indicate that the competition between traders in the Keramat Tinggi Market, Muara Bulian District includes five principles, namely unity (unity), balance (fairness), free will, responsibility, and truth. Of the five principles, most of the business competition activities carried out by traders are in accordance with Islamic business ethics, although there are some traders who carry out unfair business competition and conflict with Islamic business ethics, namely traders with large capital, setting prices below the prices of other traders and there are Merchants who report that the quality is not in accordance with their merchandise with the aim of turning off other traders and can harm the buyer. In implementing the five principles of Islamic business ethics there are obstacles to the principle of responsibility because there are some traders who actually provide insurance or compensation to the buyer if there is a defect in the goods and also some do not provide insurance to the buyer if there is a defect in the goods. But this happens not for the sole reason of making a profit, but to minimize the losses that occur.
Pengaruh Label Halal, Kesadaran Halal Dan Citra Merek Terhadap Keputusan Pembelian Produk Kosmetik Wardah Pada Wanita Muslimah Generasi Z Di Kota Jambi Resi Sutriani; Agustina Mutia; Neneng Sudharyati
Maslahah : Jurnal Manajemen dan Ekonomi Syariah Vol. 2 No. 2 (2024): April : Jurnal Manajemen dan Ekonomi Syariah
Publisher : STAI YPIQ BAUBAU, SULAWESI TENGGARA

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.59059/maslahah.v2i2.1049

Abstract

Purchasing decisions are one part of the consumer's response to whether or not to buy a product, from several factors that can influence consumers to buy a product where consumers consider halal labels and product brand images that are already known among generation Z women and halal awareness factors that consumers have when they want to make a purchase decision. This study aims to determine and analyze the influence of halal labels, halal awareness and brand image on the purchase decision of Wardah cosmetic products in generation Z Muslim women. The research method used is quantitative descriptive. The results showed that halal labels, halal awareness, and brand image had a positive and significant effect on the purchase decision of Wardah cosmetic products in generation Z Muslim women. In testing the classical assumptions of this study are normally distributed, heteroscedasticity does not occur, and multicollinearity.
Co-Authors A. Tarmizi Achyat Budianto Agusriandi, Agusriandi Ahmad Syahrizal Ahmad Syukron Prasaja Ambok Pangiuk Arsa Arsa Baso Agus Salim Dandi Palaguna Elza Berta Salsabila Fauzan Ramli Ferry Saputra Tanjung Fika Nadila Habriyanto Habriyanto Hansen Rusliani Khairiyani Lady Ragia Alfa Lidya Anggraeni M.Firmansyah Melita Yuniza Mistiani Mistiani Mohammad Orinaldi Mohd Jaker Muhammad Irham Muhammad Ismail Nazori Majid Neneng Sudharyati Ratih Kumala Dewi Resi Sutriani Siraj Aiqan Zhorifi Sucika Safitri Sucipto Syahril Ahmad Tuty Alawiyah Via Ullya Syafitri Victor Diwantara