International Journal of Sharia Economics and Financial Literacy
Not a member yet
34 research outputs found
Sort by
The Influence of Public Understanding and Income on Compliance with Land and Building Tax Payments in Lempuing Village, Ratu Agung District, Bengkulu City
Get PDFThe problem of this research is because the low of obedience of property tax payers at Lempuing sub-district, Bengkulu city. The research result shows that the understanding of society tax and income has significance influence toward tax payment obedience. the variable of tax understanding has significance influence toward tax obedience with significance value 0,000 < 0,05 means (H₁) is accepted. The society income variable has significance value 0,000 < 0,05 (H₂) is accepted. the society tax and income are influence together with tax obedience, the F test result with significance value 0,000 < 0,05 (H₃) is accepted. The regression equation result is Y = 5,025 + 0,571X₁ + 0,307X₂ + 1,429. The coefficient level of Correlation (R) is 0.913 has strong correlation between tax understanding and society income toward tax obedience. (R²) is 0,833 means 83,3%, the variable of tax obedience can be explained by those two independen variable, the last is 16,7% influenced by other factors outside of this research. The Adjusted R² is 0,829 shows that the regression model which used has good capability in explain the correlation between research variable
The Impact of Service Quality and Price on Customer Satisfaction at UD Rabas Accu
Get PDFThis study examines the impact of service quality and price on customer satisfaction at UD Rabas Accu, an automotive battery retail company facing increasing market competition and declining sales. Employing a quantitative approach, the research utilizes multiple linear regression analysis to assess the relationship between service quality, price, and customer satisfaction. Data were collected through a structured survey involving 44 respondents. The findings indicate that both service quality and price significantly influence customer satisfaction, with service quality playing a more dominant role. These results suggest that enhancing service standards and maintaining competitive pricing are crucial strategies for improving customer satisfaction and business performance
The Effect of Trust and Security on Consumer Satisfaction in Utilizing the Dana E-Wallet
Get PDFThe rapid development of technology has heightened the demand for efficient payment systems to facilitate seamless transactions. In Indonesia, digital wallets (E-Wallets) have gained popularity as a convenient cashless payment solution. This study explores the impact of trust and security on consumer satisfaction in using the Dana E-Wallet, with a focus on Iparts customers in Bandar Lampung. Employing a quantitative approach, the research involved 83 respondents determined using Slovin’s formula. Data were gathered through a structured questionnaire and analyzed using multiple linear regression. The findings reveal that trust (sincerity, competence, integrity) and security (data protection, transaction safety) have a significant and positive influence on consumer satisfaction. These insights offer valuable guidance for E-Wallet providers like Dana to enhance user experience by strengthening trust and security features.
 
Transformation of Finland's Economy: Service Sector Growth and Sectoral Shifts (2013-2022)
Get PDFThe investigation of Finland’s macroeconomic progress from 2013 to 2022 includes analyses of GDP alterations along with sectoral share variations and evaluations of worldwide economic events including COVID-19. The Finnish economy entered a state of stagnation from the European sovereign debt crisis until it started recovering after 2015 through industrial progression and technological advancements followed by service sector expansion. Services became the leading sector of the economy by accounting for 73.5% of GDP in 2022 while both agriculture and industry experienced declining influence over the economy. The researchers used Pearson correlation and regression analysis as their method to investigate how GDP related to sectoral contributions. Statistical analysis demonstrates that agricultural sector has a moderate negative impact on GDP while industry maintains positive correlations with GDP but the services sector generates the strongest positive connections with economic expansion. Future economic growth depends heavily on digital service development and high-tech industries including information and communications technology together with clean energy technologies. This economic transformation leaves several unknown aspects regarding its social effects together with its combination of digital adoption and population changes. Additional research must analyze those dimensions to develop policies which match present economic conditions. New findings indicate that Finland’s economy performs well but additional adjustments are necessary for maintaining sustainable development in combination with demographic transformations and external disturbances
The Influence of Marketing Mix Factors on Repurchase Decisions for Yakult in Tanjung Karang District, Bandar Lampung
Get PDFThe background of this research is based on the increasing need for probiotic products due to unhealthy consumption patterns, which makes Yakult a product with high potential. However, there are obstacles in achieving the resale target due to various factors. The problem studied includes the effect of product image, price perception, sales location, and promotion intensity on repurchase decisions. This study aims to analyze the effect of marketing mix factors on repurchase decisions for Yakult products in Tanjung Karang District, Bandar Lampung. This study uses quantitative methods with multiple linear regression analysis to test the relationship between variables. The results showed that all marketing mix factors of product image, price perception, location, and promotion intensity had a significant effect on repurchase decisions. Among the four factors, promotional intensity is the most dominant factor
Analysis of the Role of Village-Owned Enterprises in the Economic Empowerment of Enggano Island
Get PDFThis study aims to determine the role of BUMDesa in community economic empowerment, as well as to find out the obstacles faced by BUMDesa in community economic empowerment, and to find out the strategies carried out by BUMDesa in overcoming obstacles that interfere with community economic empowerment. The approach used is a qualitative descriptive approach. Data obtained from interviews and documentation. The analysis method used is data reduction, data display and conclusing drawing. The results of this study indicate that the role of BUMDesa in enough to play a role in community economic empowerment, but it has not been said to be maximal because there are still many obstacles, namely lack of capital, limited human resources in management and lack of public awareness. To overcome these obstacles, BUMDesa has a strategy or effort by seeking additional capital, improving the quality of human resources, and increasing public awareness
Discourse of Muslim Consumer Rationality Al-Ghazali's Knowledge Paradigm Perspective
Get PDFIslamic beliefs and values shape Muslim consumer behavior. Islamic beliefs and values control a person's behavior. This paper identifies the concept by tracing Al-Ghazali's thoughts regarding the rationality of Muslim consumers from a set of Islamic principles: prioritizing needs, maintaining sharia goals, complying with halal and haram rules, prioritizing sustainable consumption, prioritizing the benefit of individuals and society, and not consuming excessively. A text analysis approach is used to map studies on Muslim consumer behavior. Apart from that, a historical-critical and inductive approach was used to identify the concepts and opinions of ulama regarding Islamic rationality and Al-Ghazali's thoughts. The findings provide important benefits in developing the theory of Islamic rationality, which can then be used as an alternative in explaining Muslim consumer behavior and can also be a reference for stakeholders in the industry to mainstream the calcification of products offered in the Muslim market. Islamic rationality is different from the economic rationality put forward by neoclassical economics. Like the model proposed by Al-Ghazali, Islamic rationality places the human heart as an instrument for forming patterns of economic behavior
The Impact of Islamic Branding Experience and Relationship Quality on Sharia Bank Customer Loyalty
Get PDFThis reasearch aims to examine the effect of Islamic Branding Experience (IBE) and Relationship Quality on customer loyalty of Islamic Banks in Malang City, East Java. This study is a quantitative study with an explanatory research approach. The sample in this study was 80 respondents with a sampling technique using purposive sampling. Multiple linear regression analysis was used in the study to conduct data analysis. The results of the study indicate that customer loyalty is significantly influenced by Islamic Branding Experience (IBE) and Relationship Quality. The results of this study provide implications that Islamic banks must increase the diversification of products and services based on Islamic values, improve good relationships with customers to increase customer loyalty of Islamic banks
Finance of Ulos Fabric Craftsmen in Pematang Siantar City: A Review of Work-Life Balance, Skills, and Culture
Get PDFFinance is a crucial aspect in the sustainability of ulos fabric artisan businesses in Pematang Siantar. This study aims to analyze how work-life balance, skills, and culture affect the financial management of artisans. The research approach used is qualitative with in-depth interview methods, observations, and financial record analysis conducted by craftsmen. The results of the study show that work-life balance affects the productivity of craftsmen, where the balance between work and personal life has an impact on the financial stability of the business. Skills in production and financial management are also an important factor, where craftsmen who have a simple accounting understanding tend to be better able to manage capital and record transactions well. Meanwhile, cultural identity in the manufacture and marketing of ulos fabric is an added value in business strategies, but the limitations of adaptation to the modern market and the lack of systematic financial records are still obstacles in business sustainability. This research recommends increasing financial literacy for artisans and the use of a neater recording system to ensure the financial stability of their business. In addition, training in culture-based business management and marketing digitalization can be a solution to increase the competitiveness of ulos fabric craftsmen in the wider marke
The Urgency Of Implementing Bussines Ethics In Marketing Communication Through Live Streaming On The Tiktok Affiliate Account @MancingParadise
Get PDFThe use of TikTok Affiliate as a product promotion media has been widely used, especially the use of the live streaming feature as one of the product promotion features on the TikTok platform is very beneficial for affiliates in making it easier to interact directly with consumers as an audience during live streaming. I @MancingParedise is one of the affiliate accounts that is popular with people who like fishing, who are looking for quality fishing equipment, but several times there have been violations obtained by @MancingParadise due to several things that refer to the lack of good communication, which has an impact on the security of the TikTok affiliate account @MancingParadise. This study aims to examine the use of appropriate communication ethics in digital promotional activities on the TikTok platform, especially the use of the live streaming feature, using a qualitative descriptive method that explains the urgency of the communication aspect. Data was obtained from September to November, where the results of the data showed that the use of communication ethics had a significant impact on increasing communication aspect points. So the results show Transparency (47 Points), Personalized (47 Points), Avoid fraudulent manipulation (56), Diversity and inclusion (38), Avoid providing excessive information (85) From these points, it shows an increase in communication between.