Rumah Jurnal Institut Pesantren KH. Abdul Chalim
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Implementation of Easy Wadiah Savings Products at BSI KCP Sidoarjo Krian in the Perspective of DSN-MUI Fatwa No. 02/DSN-MUI/IV/2000
Get PDFThis study aims to examine the implementation of Easy Wadiah Savings products at Bank Syariah Indonesia (BSI) Sidoarjo Krian Branch Office (KCP) according to DSN-MUI Fatwa No. 02/DSN- MUI/IV/2000. This product uses the wadiah yad dhamanah contract, which is a fund deposit contract where the bank guarantees the security of funds without providing a guarantee of return. The approach used in this study is qualitative using case studies, interviews with the bank, namely Customer Service and customers, and examination of related documents. The results of the study indicate that the implementation of this product is in accordance with sharia principles as stated in the fatwa, as evidenced by the absence of interest, the existence of voluntary incentives from the bank, and the ease for customers to access their funds. However, there are still several obstacles because the public's understanding of the concept of the wadiah contract is still limited. Therefore, efforts are needed to educate and increase knowledge of sharia finance
The Influence of Financial Literacy, Consumptive Hebagior and Gender on the Financial Management of Generation Z on College Students in Surabaya City
Get PDFFinancial management is a process of planning, organizing, directing, and controlling the use of financial resources effectively and efficiently to achieve certain financial goals. For generation Z students, the ability to manage finances is very important, especially amid the challenges of low financial literacy, high consumptive behavior, and gender differences. This study aims to examine the effect of financial literacy, consumptive behavior, and gender on student financial management. This study uses a quantitative approach with purposive sampling method. The population in this study was all students of public universities in the city of Surabaya with accounting study programs. The sample in this study consisted of 105 respondents who were active students majoring in accounting in the city of Surabaya. The data collection technique was carried out through distributing questionnaires online using Google Form. The data were analyzed using the Partial Least Squares (PLS) method. The results showed that financial literacy, consumptive behavior, and gender affect student financial management
THE INFLUENCE OF ONLINE CUSTOMER REVIEW AND SOCIAL MEDIA INFLUENCER ON PURCHASE DECISIONS HMNS LOCAL PERFUME FOR GENERATION Z TIKTOK USERS IN SURABAYA
Get PDFThis research investigates how Online Customer Reviews and Social Media Influencers influence the purchase decisions of Generation Z TikTok users in Surabaya regarding HMNS local perfume. Employing a quantitative method, data was gathered through online questionnaires distributed to 96 participants chosen using a purposive sampling technique. Data analysis was conducted using the Partial Least Square (PLS) method. The findings reveal that: (1) Online Customer Reviews significantly and positively impact the purchase decisions of Generation Z users; and (2) Social Media Influencers also exert a significant and positive influence on their decisions to buy HMNS local perfume in Surabaya
The Influence of Product Attributes and Brand Trust on Purchase Decisions for the Originote Skincare in Surabaya City
Get PDFAdvances in various fields have increased human needs, not only in basic aspects but also in personal needs such as skin care. This study aims to determine the influence of Product Attributes and Brand Trust on the purchase decision of The Originote skincare in the city of Surabaya. This study uses a quantitative approach with primary and secondary data, and the data collection instrument is compiled using a questionnaire with an ordinal scale with the Likert 1-5 technique. Data analysis was carried out using the Structural Equation Modeling method based on Partial Least Square (SEM-PLS) through the SmartPLS application. The sampling technique used was purposive sampling, with a total of 110 respondents. The results showed that Product Attributes and Brand Trust had a positive and significant effect on purchase decisions. These findings indicate that the better the consumer's perception of Product Attributes and Brand Trust, the higher their tendency to purchase The Originote skincare products.Kemajuan di berbagai bidang telah meningkatkan kebutuhan manusia, tidak hanya pada aspek pokok tetapi juga pada kebutuhan personal seperti perawatan kulit. Penelitian ini bertujuan untuk mengetahui pengaruh Atribut Produk dan Brand Trust terhadap keputusan pembelian skincare The Originote di Kota Surabaya. Penelitian ini menggunakan pendekatan kuantitatif dengan data primer dan sekunder, serta instrumen pengumpulan data disusun menggunakan kuesioner dengan skala ordinal dengan teknik Likert 1-5. Analisis data dilakukan menggunakan metode Structural Equation Modeling berbasis Partial Least Square (SEM-PLS) melalui aplikasi SmartPLS. Teknik pengambilan sampel yang digunakan adalah purposive sampling, dengan jumlah responden sebanyak 110 orang. Hasil penelitian menunjukkan bahwa Atribut Produk dan Brand Trust berpengaruh positif dan signifikan terhadap keputusan pembelian. Temuan ini mengindikasikan bahwa semakin baik persepsi konsumen terhadap Atribut Produk dan Brand Trust, maka semakin tinggi pula kecenderungan mereka untuk melakukan keputusan pembelian produk skincare The Originote
Consideration Through the Psychological, Social Environment, and Technology That the Younger Generation Accepts to Buy Now Pay Later
Get PDFThis study has examined the factors that affect the behavioral intentions of the younger generation in using Buy Now Pay Later (BNPL) services in Indonesia. Adopting the theoretical framework of 2 variable UTAUT performance expectations, and social influence, which has been expanded with Perceived Risk, and financial literacy on the behavioral intention of BNPL use. With a quantitative approach, primary data were collected from 247 respondents aged 18-41 years who were BNPL users, and analysis was conducted using the Partial Least Squares Structural Equation Model (PLS-SEM) method. In the results of this study, the three variables, namely financial literacy, performance expectations, and social influence, have a significant positive influence on behavioral intentions. Meanwhile, Perceived Risk showed a significant positive influence, which contradicted the initial hypothesis. In conclusion, this study shows that individuals with high levels of financial literacy are able to manage risk and remain motivated to use Pay Later. This research is expected to contribute to an academic and practical understanding of the dynamics of financial technology adoption among the young generation of Indonesia, in particular
The Relationship Between Content Marketing, Live Streaming, Endorsement, and Purchasing Decisions on the Tiktokshop Platform and Its Views on Islam
No full textTikTok Shop is a favorite e-commerce platform. The final purchase decision is very important for consumers to determine the appropriateness of the product. Content marketing, live streaming, and endorsements are important variables that influence product purchase decisions at TikTok Shop. Therefore, this study aims to analyze the direct impact of content marketing, live streaming, and endorsements on purchasing considerations. This study uses a quantitative research approach with a causal association method. Primary data was collected by distributing questionnaires online to Tiktok application users who have experience using Tiktok Shop at least 17 years old in the Kebumen area, Central Java. Samples were randomly selected with a specified time limit from the target population. The data were processed using structural equation modeling (SEM) with multiple mediator analysis used for modeling. The research findings from a sample of 105 respondents show that the R Square value of endorsement is 0.623, indicating that 62.3% of the variation in endorsement can be explained by content marketing and live streaming. Similarly, the R Square value of purchase decision 0.631 indicates that 63.1% of the variation in purchase decision can be explained by content marketing, live streaming, and endorsement. Meanwhile, the R Square value of live streaming of 0.451 indicates that 45.1% of the variation in live streaming can be explained by content marketing. the majority of respondents, namely 60%, strongly agree, while 39% agree, that when shopping at TikTok Shop, it is important to do research first regarding product information. This is in line with the precautionary principle commanded in the Quran letter Al-Hujurat verse 6, which advises Muslims to verify information before trusting it. In addition, 32% of respondents agreed and 67% of respondents strongly agreed with the importance of not rushing or overspending when buying products
Pengaruh Praktik Manajemen Sumber Daya Manusia Terhadap Produktivitas Karyawan di PT. Unggul Widya Teknologi Lestari (PT. UWTL) Pasangkayu
No full textEmployee productivity is one of the indicators of a company's success. Employee productivity will show the extent to which employees can complete tasks efficiently and effectively to achieve company goals. Employee productivity in a company can be influenced by compensation, training, and employee performance appraisal. This study was conducted to test and analyze the effect of HR practices of compensation, training, and employee performance appraisal activities on employee productivity at PT. Unggul Widya Teknologi Lestari (PT. UWTL) Pasangkayu. The sample used in this study was 130 people, with a survey method. Data collection was carried out by distributing questionnaires. The analysis technique used was multiple linear regression analysis. The results of the study showed that compensation, training, and employee performance appraisal had a positive and significant effect on employee productivity at PT. Unggul Widya Teknologi Lestari (PT. UWTL) Pasangkayu
The Effect of Company Size and Profitability on Audit Delay
Get PDFThis study examines the effect of company size and profitability on audit delay in food and beverage manufacturing companies listed on the Indonesia Stock Exchange (IDX) during 2020–2022. Using a quantitative approach with secondary data from financial reports and purposive sampling, the study analyzed 114 observations through multiple linear regression after classical assumption tests. Audit delay is measured by the number of days between the fiscal year-end and the audit report date; company size is proxied by the natural logarithm of total assets, and profitability by Return on Assets (ROA). The results show that company size negatively affects audit delay, where larger firms tend to complete audits faster due to better internal controls and greater public pressure, aligning with agency and signaling theories. Profitability also influences audit delay, as higher ROA is associated with shorter delays, though the ambiguous effect of low ROA suggests possible non-linear relationships. The study acknowledges limitations, such as the exclusion of control variables like audit firm size, leverage, and firm age, and highlights the contextual relevance of the COVID-19 pandemic, which may have disrupted audit timelines. These findings provide practical insights for auditors, regulators, and stakeholders on factors influencing audit timeliness
Management Style of Business Organization Leaders in Indonesia: A Mixed Study
Get PDFLeadership is crucial element in the pursuit of organizational objectives. The examination of the characteristics of a proficient leader remains a compelling area of research, given its perceived capability to address diverse challenges, particularly those related to the organizational systems and human resources. This research used a convergent parallel mix-method to reveal type and profile of organizational management style that are effectively applied in business organizations in Indonesia today. Quantitative results revealed that the majority of managers in Indonesia apply a basic leadership separation (separated) style because of the lack of task orientation and relationships, which when affective produce a managerial style bereaucrate and when ineffective apply a deserter style. Temporary results qualitatively showed that at least four dimensions assessed must be owned by one person's leader: capacity to think strategically (strategic thinking), skilled management of tasks (task management), professional, and capable manage people or teams (people management). Integration results found convergent data because there are suitability dimensions between quantitative data and qualitative data related to management tasks and human management. Furthermore, it also obtained the results of the expansion from qualitative data was the emergence of the theme of strategic and professional thinking as a dimension that must be possessed by an effective leader in business organizations. Implications obtained based on the integration of quantitative and qualitative data analysis are perceptions that the profile ideal and effective leader can differ from what an individual applies inside the organization. As a result, even if the manager recognizes what capacities a leader should have, in practice, he may apply different styles and approaches
Framing Media Pemberitaan Pengungsi Rohingya Dalam Perspektif HAM Di Majalah Tempo.Co
Get PDFTragedi kemanusiaan yang dialami pengungsi Rohingya telah menjadi sorotan internasional, termasuk di Indonesia. Penelitian ini bertujuan untuk menganalisis bagaimana framing media diterapkan dalam pemberitaan tentang pengungsi Rohingya di majalah Tempo.co edisi 18 Desember 2023 hingga 14 Januari 2024, dengan fokus pada perspektif Hak Asasi Manusia (HAM). Metode kualitatif dan analisis framing Model Robert N. Entman digunakan untuk menggali bagaimana pemberitaan tersebut membentuk persepsi publik dan opini terkait isu pengungsi. Hasil penelitian menunjukkan bahwa setiap berita tidak hanya menyampaikan informasi, tetapi juga berperan dalam membentuk opini dan mempengaruhi kebijakan. Berita pertama mengkritik ketidakmampuan pemerintah Indonesia dalam menangani pengungsi dan mengusulkan penyesuaian kebijakan. Berita kedua menyoroti penderitaan pengungsi serta pentingnya bantuan dan kerja sama internasional. Berita ketiga mencermati penolakan masyarakat Aceh dan tindakan anarkis mahasiswa, serta mengusulkan edukasi dan perlindungan lebih lanjut. Berita keempat fokus pada upaya pemerintah menyediakan tempat penampungan yang layak. Penelitian ini menegaskan peran media dalam membentuk persepsi publik dan mendorong perubahan kebijakan terkait pengungsi Rohingya.