Journal of Management, Economics, and Entrepreneur
Jounal of Management, Economics, and Entrepreneur merupakan jurnal ilmiah mahasiswa yang diterbitkan oleh Fakultas Ekonomi dan Bisnis Islam Institut Agama Islam Nahdlatul Ulama Kebumen, Jawa Tengah. Jurnal ini bertujuan menjadi salah satu sarana wujud Visi dan Misi FEBI IAINU Kebumen dalam mengembangkan ilmu Ekonomi Islam melalui publikasi hasil-hasil penelitian dan pengabdian mahasiswa. Jurnal ini menjadi wadah bagi dosen dan mahasiswa untuk mengembangkan dan mengkomunikasikan hasil-hasil riset yang telah dilakukan termasuk menjalankan publikasi ilmiah yang disyaratkan.
Fakultas Ekonomi dan Bisnis Islam Institut Agama Islam Nahdlatul Ulama ( IAINU) Kebumen
Perbandingan Technical Indicators dalam Maksimalisasi Profit Saham Sektor Keuangan Tercatat pada Daftar Efek Syariah Tahun 2022-2024
ABSTRACT Based on AB-STOTS data, the number of sharia investors will increase by 240% in 2020-2024. IDX uses DES as a guideline for investors in choosing stocks that are in accordance with sharia principles. In terms of profit maximization, investors need to equip themselves with knowledge of technical analysis to see stock price movements with the help of technical analysis indicators. This study uses the MA, MACD, and Stochastic RSI indicators with the aim of comparing the performance of each indicator and determining the most optimal indicator in maximizing profits. The theories used are Dow Theory, Signaling Theory, and Decision Theory. The research method used is descriptive quantitative by analyzing close price data on financial sector stocks recorded in DES 2022-2024. The research sample is a total sampling of the existing population. The data collection technique was used with documentation techniques processed with Microsoft Excel and the SPSS Software version 27 tool. The results show that the MACD indicator shows the highest mean profit of 6.73% compared to the MA of 5.98% and the Stochastic RSI of 0.25%. The standard deviation and range of return produced by the MACD also have a higher profit variability than the other two indicators. And the MACD corresponds to all the theories used. Thus, it can be concluded that the MACD is the best indicator in an effort to maximize profits compared to the MA and Stochastic RSI for the type of risk seeker investor.
Copyright (c) 2025 Journal of Management, Economics, and Entrepreneur
Pengaruh Literasi Keuangan Syariah dan Pengetahuan Produk terhadap Minat Santri di Kebumen pada Bank Syariah dengan Moderasi Religiusitas
Penelitian ini dilakukan dengan tujuan untuk mengetahui pengaruh literasi keuangan syariah dan pengetahuan produk tentang minat dalam menggunakan bank syariah bagi santri di Kebumen dengan religiusitas sebagai moderasi. Riset ini menggunakan pendekatan kuantitatif dengan metode penelitian survei. Sumber data yang digunakan data primer. Variabel yang digunakan adalah Literasi Keuangan Syariah, Pengetahuan Produk, Minat Menggunakan Bank Syariah dan Religiusitas. Populasi dalam penelitian ini adalah santri di Kebumen. Pengambilan sampel dilakukan berdasarkan rumus lemeshow dengan sampel 100 responden. Teknik pengumpulan data yang dilakukan dengan mendistribusikan kuesioner melalui Google Formulir. Teknik pengambilan sampel menggunakan teknik pengambilan sampel non-probability dan menggunakan metode purposive sampling. Metode analisis yang digunakan adalah melalui tes MRA (Moderated Regression Analysis) menggunakan IBM SPSS Statistik 26. Berdasarkan hasil penelitian, terbukti bahwa dalam variabel parsial X1 literasi keuangan syariah berpengaruh positif terhadap menggunakan bank syariah dibuktikan dengan nilai T-hitung sebesar 2.252 > T-tabel 1.984 dengan nilai signifikansi 0.027 < 0.05. Variabel X2 pengetahuan produk berdampak negatif pada minat menggunakan bank syariah terbukti dengan nilai yang dihitung -2,275 < 1,984 dengan nilai signifikansi 0,025 < 0,05. Sementara itu, interaksi variabel religiusitas mampu memoderasi pengaruhnya literasi keuangan Islam dan pengetahuan produk terhadap minat menggunakan bank syariah pada santri di Kebumen.
Pengaruh Fee Based Income dan Current Account Saving Account Terhadap Profitabilitas dengan Financing to Deposit Ratio Sebagai Variabel Moderasi
Penelitian ini bertujuan untuk menganalisis dan mengetahui bagaimana pengaruh FBI dan CASA terhadap profitabilitas dengan FDR sebagai variabel moderasi pada BSI periode 2021-2024. Metode penelitian yang digunakan adalah metode kuantitatif deskriptif. Data yang digunakan berupa data sekunder yang diperoleh dari website resmi BSI dan OJK. Populasi penelitian ini terdiri dari 48 laporan keuangan bulanan Bank Syariah Indonesia pada tahun 2021-2024. Penentuan sampel pada penelitian ini menggunakan sampling jenuh. Teknik pengumpulan data pada penelitian ini menggunakan data sekunder selanjutnya data penelitian diolah dengan software Eviews 12 melalui uji statistik deskriptif, uji asumsi klasik, uji regresi dan uji MRA. Hasil penelitian menunjukkan bahwa (1) FBI memiliki nilai koefisien -0,0228 dan nilai probabilitas sebesar 0,4099 > dari 0,05 artinya FBI berpengaruh negatif tidak signifikan terhadap profitabilitas. (2) Nilai koefisien CASA 0,0633 dan nilai probabilitas sebesar 0,0022 < dari 0,05 berarti CASA memiliki pengaruh positif signifikan terhadap profitabilitas. (3) Nilai koefisien variabel interaksi FBI sebesar 0,0288 dengan nilai probabilitas 0,0364 < dari 0,05 artinya FDR dapat memoderasi pengaruh FBI terhadap profitabilitas. (4) Variabel interaksi CASA memiliki nilai koefisien sebesar 0,0024 dan nilai probabilitas 0,6892 > dari 0,05, hal ini berarti FDR tidak dapat memoderasi pengaruh CASA terhadap profitabilitas.
Pengaruh Kualitas Pelayanan dan Harga Terhadap Kepuasan Konsumen JNE Agen Jatimulyo dalam Perspektif Ekonomi Islam
Penelitian ini bertujuan untuk menganalisis pengaruh kualitas pelayanan dan harga terhadap kepuasan konsumen JNE Agen Jatimulyo serta menilai praktik tersebut dalam perspektif ekonomi Islam. Penelitian kuantitatif ini menggunakan metode survei dengan 100 responden yang dipilih melalui accidental sampling. Data dianalisis menggunakan uji validitas dan reliabilitas, uji asumsi klasik, korelasi Pearson, serta regresi linier berganda. Hasil penelitian menunjukkan bahwa kualitas pelayanan berpengaruh signifikan terhadap kepuasan konsumen (sig. 0,001), dan harga juga berpengaruh signifikan (sig. 0,012). Secara simultan, kedua variabel berpengaruh signifikan terhadap kepuasan konsumen (F = 37,794; sig. 0,000). Koefisien regresi menunjukkan bahwa kualitas pelayanan (0,130) dan harga (0,370) berpengaruh positif terhadap kepuasan konsumen. Dalam perspektif ekonomi Islam, pelayanan harus menjunjung kejujuran, keadilan, dan tanggung jawab, sementara penetapan harga harus adil, transparan, dan bebas dari penipuan. Hasil penelitian menyimpulkan bahwa peningkatan kualitas pelayanan dan penetapan harga yang sesuai prinsip syariah dapat meningkatkan kepuasan dan loyalitas pelanggan.
Analisis Penerapan Marketing MIX 4P Terhadap Persepsi Konsumen pada Angkringan Mukti dalam Perspektif Maqashid Syariah
ABSTRAK Penelitian ini mengkaji bagaimana penerapan bauran pemasaran 4P (produk, harga, tempat, dan promosi) mempengaruhi persepsi konsumen di Angkringan Mukti Kebumen dalam bingkai Maqashid Syariah. Penelitian dilakukan dengan metode deskriptif kualitatif melalui observasi, wawancara, dan dokumentasi. Hasil penelitian menunjukkan bahwa strategi 4P telah dijalankan dengan baik; produk yang disediakan cukup beragam dan berkualitas, harga yang diberikan sesuai daya beli masyarakat, lokasi usaha mudah dijangkau dan nyaman, serta promosi lebih banyak dilakukan melalui media sosial dan rekomendasi pelanggan. Dalam perspektif Maqashid Syariah, strategi pemasaran ini menggambarkan nilai daruriyat, hajjiyat, dan tahsiniyat, terutama dalam menjaga kehalalan, kenyamanan, serta etika pelayanan. Temuan ini menegaskan bahwa perpaduan antara strategi pemasaran dengan prinsip-prinsip Islam mampu meningkatkan kepercayaan konsumen sekaligus mendukung keberlangsungan usaha. Kata kunci: Marketing Mix, Persepsi Konsumen, Maqashid Syariah, Angkringan Mukti Kebumen
Pengaruh Kapitalisasi Pasar Modal Syariah Terhadap Pertumbuhan Ekonomi di Indonesia pada Tahun 2015-2023
This research aims to determine the influence of Sharia capital market capitalization on economic growth in Indonesia in 2015-2023. This research uses secondary data in the form of time series originating from the Central Statistics Agency and the Financial Services Authority for the period 2015-2023. The analysis technique used in this research is quantitative analysis techniques. The method used is the Error Correction Model (ECM) analysis method. The research results show that Sharia Stocks have a positive and significant effect on Indonesia's economic growth. Sukuk have a positive and significant effect on Indonesia's economic growth. Sharia mutual funds have a positive and insignificant effect on Indonesia's economic growth.
Pengaruh Rasio Keuangan Terhadap Return Saham pada Perusahaan Sektor Kesehatan yang Terdaftar Indeks Saham Syariah Indonesia Periode 2021-2024
Tujuan penelitian ini adalah untuk mengetahui pengaruh rasio keuangan terhadap return saham perusahaan sektor kesehatan yang terdaftar dalam Indeks Saham Syariah Indonesia, baik secara parsial maupun simultan. Metode penelitian yang digunakan adalah pendekatan kuantitatif dengan desain penelitian asosiatif. Teknik pengumpulan data yang digunakan adalah dokumentasi, sedangkan metode analisis data menggunakan regresi data panel. Sampel terdiri dari 16 perusahaan yang dipilih menggunakan purposive sampling. Hasil penelitian menunjukkan bahwa rasio likuiditas berpengaruh signifikan terhadap return saham dengan nilai 0,0013 < 0,05, solvabilitas berpengaruh dengan nilai 0,0356 < 0,05, dan rasio aktivitas juga berpengaruh dengan nilai 0,0463 < 0,05. Sementara itu, rasio profitabilitas dan nilai pasar tidak berpengaruh terhadap return saham, dengan nilai masing-masing 0,1107 dan 0,050, keduanya lebih besar dari 0,05. Secara simultan, rasio keuangan berpengaruh terhadap return saham dengan nilai 0,002875 < 0,05.
Pengaruh Pengetahuan Investasi, Manfaat Investasi dan Keamanan Terhadap Minat Investasi Emas Digital pada Generasi Z
Investasi emas menjadi pilihan menarik bagi investor karena memiliki risiko yang rendah, stabil dan tahan terhadap inflasi. Pekembangan teknologi dan keterbatasan emas fisik memicu pertumbuhan emas digital. Penelitian ini bertujuan untuk mengetahui pengaruh pengetahuan investasi, manfaat investasi dan keamanan terhadap minat investasi emas digital pada generasi Z di Kabupaten Kebumen. Objek dari penelitian ini adalah generasi Z yang berdomisili di Kabupaten Kebumen yang berusia 17-28 tahun. Pengambilan sampel dalam penelitian ini menggunakan teknik purposive sampling. Data yang digunakan dalam penelitian ini adalah data primer berupa kuesioner yang disebarkan secara online melalui google form kepada 100 responden. Penelitian ini merupakan penelitian kuantitatif dengan menggunakan metode analisis regresi linier berganda, dengan alat bantu IBM SPSS versi 27. Hasil dari penelitian ini menunjukkan bahwa manfaat investasi dan keamanan secara parsial berpengaruh terhadap minat investasi emas digital. Sedangkan pengetahuan investasi tidak berpengaruh terhadap minat investasi emas digital. Kemudian berdasarkan uji simultan bahwa keseluruhan variabel independen berpengaruh terhadap variabel dependen. Nilai koefisien determinasi adalah (39,6%) yang artinya, 39,6% variasi pada minat investasi emas digital dipengaruhi oleh 3 variabel independen yaitu, pengetahuan investasi (X1), manfaat investasi (X2) dan keamanan (X3).
Dari Henna ke Kuteks Halal: Transformasi Estetika, Religiusitas, dan Budaya Konsumsi Muslimah
This article discusses the evolution of nail adornment practices, from the use of traditional henna to the emergence of modern halal nail polish that has become increasingly popular among Muslim women. The discussion not only highlights the changes in the forms and functions of decorating nails, but also explores how aesthetics and religiosity intersect, negotiate space, and shape contemporary Muslimah consumer culture. This study employs a qualitative approach using library research methods. Data were collected through an intensive review of academic books, journal articles, research reports, and other relevant literature. Through historical analysis and discourse examination, this article shows that the practice of nail adornment serves as a reflection of socio-religious changes occurring in the lives of middle-class Muslim women. They are not merely passive consumers but active agents who negotiate the meanings of piety, beauty, and practicality in their everyday lives. In this context, halal nail polish becomes a representation of the aspirations of modern Muslim women who wish to maintain an attractive appearance while upholding their spiritual commitments. Halal nail polish is thus positioned not only as a cosmetic product but also as a lifestyle choice and a symbol of identity.
Pengaruh Penyuluhan Pasar Modal di Lingkungan Pesantren dalam Upaya Transformasi Santri Melek Potensi Investasi
ABSTRACT As a center for the development of Islamic knowledge and the sharia economic ecosystem, Islamic boarding schools (Pondok Pesantren) have an important role in the development of contemporary sharia capital market literacy. The boarding school environment must be provided with sharia capital market literacy counseling in order to maximize the investment potential among boarding schools. The purpose of this research program is to provide Islamic investment knowledge among santri, so as to be able to produce santri investors in the future. A total of 1235 people have been successfully literated and 811 of them filled out a questionnaire which shows the results of most santri have understood the outline of sharian capital market and how to start investing. With various research limitations, the author concludes that santri still need to be given Islamic investment direction from competent investment managers. Keywords: Sharia Capital Market, Investment, Islamic Boarding School
Analisis Strategi Pemasaran dalam Meningkatkan Keputusan Pembelian Konsumen pada Bisnis Khadijah Aqiqah Menurut Perspektif Ekonomi Islam
This study aims to analyze the marketing strategy in increasing consumer purchasing decisions at Khadijah Aqiqah, located in Surobayan Village, Ambal Subdistrict, Kebumen, from an Islamic economic perspective. The research employs a descriptive qualitative approach and field research, utilizing data collection techniques such as interviews and documentation. The data analysis techniques used include data reduction, data presentation, and conclusion drawing. The results of this research show that Khadijah Aqiqah's marketing strategy focuses on meeting the needs of Muslim consumers by offering practical, high-quality, and Sharia-compliant aqiqah services. Market segmentation encompasses geographical, demographic, psychographic, and behavioral aspects, with undifferentiated and differentiated targeting approaches. Promotion through social media and word-of-mouth marketing positively impacts consumer purchasing decisions. From the perspective of Islamic economics, the business adheres to Sharia principles, emphasizing values such as Shiddiq (honesty), Amanah (trustworthiness), Fathanah (intelligence), and Tabligh (communication), creating a fair and high-quality business practice. The study concludes that Khadijah Aqiqah's marketing strategy is effective in increasing purchasing decisions and aligns with Islamic economic principles.
Marketing strategy, purchasing decisions, Islamic economics, Khadijah Aqiqah.
THE INFLUENCE OF SHARIA STOCK AND SHARIA MUTUAL FUNDS ON NATIONAL ECONOMIC GROWTH PERIOD 2013-2023
This study aims to analyze the influence of Islamic stocks and Islamic mutual funds on economic growth for the period 2013-2023, both partially and simultaneously. This research uses a quantitative method with a multiple linear regression analysis model, the Error Correction Model (ECM), to observe both long-term and short-term effects. The results of this study show that in the long term, Islamic stocks have a positive and significant effect on economic growth, as evidenced by the t-statistic value (5.569023) > t-table value (2.018081703) and a probability value of 0.0000 < 0.05. In the short term, Islamic stocks do not have a posit ive or significant effect. In the long term, Islamic mutual funds have a positive and significant impact on economic growth, with a t-statistic value (8.905976) > t-table value (2.018081703) and a probability value of 0.0000 < 0.05. In the short term, Islamic mutual funds do not have a positive or significant effect. Simultaneously, in the long term, both Islamic stocks and Islamic mutual funds have a positive and significant impact on economic growth, with an F-statistic value of 80.39188, which is greater than the F-table value of 3.225684, indicating that F-statistic > F-table, and a significance level of 0.0000 < α (0.05). In the short term, simultaneously, Islamic stocks and Islamic mutual funds do not have a positive or significant effect.
National Economic Growth, Islamic Stocks, Islamic Mutual Funds
Green Economy Sebagai Strategi Dalam Meningkatkan Pertumbuhan Ekonomi Ditinjau dari Perspektif Ekonomi Syariah
The goal of this thesis is to examine the green economy as a strategy to increase economic growth from a sharia economic perspective. The research methodology was a qualitative literature review. Data was collected through books, scientific journals, research reports, encyclopedias, scientific articles, and other references related to the study theme. The Islamic economic approach is used to analyze strategies for increasing economic growth in accordance with Islamic economic principles such as justice and balance. The study's findings demonstrate how implementing green economy concepts can boost economic growth by reducing adverse environmental effects and improving resource efficiency. This approach is consistent with sharia economic objectives, which prioritise community welfare, social justice and preservation of natural resources.
Green Economy, economic growth, Sharia Economics
Pengaruh Konten Marketing, Live Streaming, Online Customer Review, dan Gaya Hidup Terhadap Keputusan Pembelian Produk Shopee di Kebumen
Penelitian ini bertujuan untuk mengetahui pengaruh konten marketing, live streaming, online customer review, dan gaya hidup terhadap keputusan pembelian produk shopee di Kebumen. Konten marketing adalah suatu strategi yang disusun untuk menarik audien baru dengan tujuan untuk menentukan keputusan pembelian. Live streaming adalah siaran langsung yang ditunjukan kepada banyak orang secara bersamaan dengan waktu kejadian aslinya. Online customer review adalah deskripsi dari pembeli sebelumnya berupa ulasan baik atau buruk, dan tulisan atau gambar. Gaya hidup mencerminkan opini seseorang yang sangat mempengaruhi perilaku pembelian dalam menentukan keputusan. Keputusan pembelian adalah niat konsumen untuk membeli barang yang didapat dari infotmasi terkait produk yang akan dibeli terlebih dahulu sampai tahap pembeli benar-benar membeli barang tersebut. Penelitian ini menggunakan pendekatan kuantitatif dengan metode asosiatif atau korelasi. Populasi penelitian ini adalah masyarakat Kabupaten Kebumen yang berumur 20-35 tahun dengan sampel sebanyak 100 responden. Teknik pengambilan sampel dengan teknik non-probability sampling dan memakai metode convenience sampling. Pengumpulan data menggunakan kuesioner dan dianalisis menggunakan analisis regresi linier berganda. Hasil penelitian menunjukan bahwa variabel konten marketing berpengaruh negatif dan signifikan terhadap keputusan pembelian produk shopee di Kebumen. Live streaming, online customer review, dan gaya hidup berpengaruh positif dan signifikan terhadap variabel keputusan pembelian produk shopee di Kebumen. Secara simultan variabel konten marketing, live streaming, online customer review, dan gaya hidup berpengaruh positif terhadap keputusan pembelian produk shopee di Kebumen. Kata Kunci : konten marketing, live streaming, keputusan pembelian
Strategi Penyelesaian Pembiayaan Bermasalah Berbasis Murabahah di KSPPS B MT NUKU Kebumen
This study aims to analyze the procedures for resolving problematic murabahah financing at KSPPS BMT NUKU Kebumen. As a sharia financial institution, KSPPS BMT NUKU faces challenges in managing customers who experience delays or fail to meet their financial obligations. Through a descriptive qualitative approach, this research explores sharia-based settlement methods, including a family-oriented approach, issuing a series of warning letters, financing restructuring, and legal action as a last resort. Data were collected through in-depth interviews, observations, and documentation. The findings indicate that procedures based on deliberation and restructuring are the most effective methods for resolving problematic financing, although challenges exist in the customers' understanding of their responsibilities. This study also identifies both internal factors, such as weaknesses in credit analysis, and external factors, such as macroeconomic conditions, as contributing causes. Therefore, it is recommended to improve the quality of credit analysis and customer financial literacy. This research is expected to contribute to the literature on sharia finance and serve as a reference for best practices for other sharia financial institutions in managing problematic financing effectively.
Problematic Financing, Murabahah, Resolution Procedures, Sharia Finance.
Efektivitas Pemberdayaan Ekonomi Pesantren Dalam Perspektif Ekonomi Islam
Penelitian ini bertujuan untuk mengetahui efektivitas pemberdayaan ekonomi pesantren dalam perspektif ekonomi Islam (Studi Pondok Pesantren Al-Istiqomah Tanjungsari Petanahan Kebumen). Penelitian ini menggunakan penelitian lapangan dengan metode kualitatif. Metode pengumpulan data yang digunakan melalui observasi, wawancara dengan penanggungjawab dan karyawan yang mengelola unit usaha yang berada di pondok pesantren Al-Istiqomah dan dokumentasi. Teknik analisis datanya menggunakan reduksi data, penyajian data, dan penarikan kesimpulan. Hasil penelitian pemberdayaan ekonomi pondok pesantren Al-Istiqomah Petanahan Kebumen melalui unit usaha Yapika Mart sudah berjalan efektif. Pemberdayaan ekonomi di pondok pesantren Al-Istiqomah telah sesuai dengan ekonomi Islam, yaitu pada indikator efektivitas ketetapan sasaran program, sosialisasi program dan pemantauan program sudah berjalan efektif, namun pada indikator tujuan program cukup efektif. Dan melalui empat Prinsip yaitu prinsip keadilan, prinsip kesamaan, prinsip pertisipasi dan prinsip tolong menolong.
Effectiveness, economic empowerment, Islamic boarding school
Pengaruh Dana Pihak Ketiga (DPK), Total Aset, Non Performing Financing (NPF) dan Ekonomi Makro terhadap Profitabilitas Bank Umum Syariah di Indonesia
This study aims to analyze the effect of Third Party Funds, Total Assets, Non Performing Financing (NPF), Gross Domestic Product (GDP), and BI-Rate on profitability at Islamic Commercial Banks in Indonesia for the period 2019-2023. The method used is a quantitative method. Using panel data (time-series and cross section) obtained from the official website of the Financial Services Authority. The analysis used is Descriptive Statistical Analysis, Panel Data Analysis consisting of the Chow Test, Hausman Test, Lagrange Multiplier Test, Classical Assumption Test consisting of Multicollinearity Test, Heteroscedasticity Test, Multiple Linear Regression, Hypothesis Test consisting of Partial Test (t Test), Simultaneous Test (f Test) and Coefficient of determination. Based on the results of the data processing test, it shows that Third Party Funds partially have a negative and significant effect on profitability. While Total Assets partially have a positive and significant effect on profitability. Non Performing Financing partially has a negative and significant effect on profitability. Gross Domestic Product partially has a negative and significant effect on profitability. BI-Rate partially has a positive and significant effect on profitability. And Third Party Funds , Total Assets, Non Performing Financing, Gross Domestic Product and BI-Rate have a positive and significant effect simultaneously on profitability.
Third Party Funds (TPF), Total Assets, Non Performing Financing (NPF), Gross Domestic Product (GDP), BI-Rate and Profitability
Analisis Pengaruh Brand Trust, Custemer Experiance, dan Kualitas Pelayanan Terhadap Kepuasan Pelanggan Toko Grosir Al Amin Gombong
This research aims to analyze the influence of brand trust, customer experience, and service quality on customer satisfaction at Al Amin Gombong Wholesale Store. Data were collected through non-probability sampling techniques using saturated samples by distributing questionnaires to 60 respondents and analyzed using quantitative methods with multiple linear regression analysis. This data analysis was processed using IBM SPSS Statistics 25. The research results indicate that: 1) Brand trust has a significant positive effect on customer statisfaction with a significance value of 0,000 and a t-value of 28,333; 2) Customer experience has a significant negative effect on customer statisfaction with a significance value of 0,047 and a t-value of -2,034; 3) Service quality has a significant positive effect on customer statisfaction with a significance value of 0,030 and a t-value of 2,230; finally 4) Brand trust, customer experience, and service quality simultaneously affect customer statisfaction with a significance value of 0,000 , an f-value of 24,756 and contribute an influence of 57% on customer statisfaction. This research provides important insights for strategies to enhance customer satisfaction at Al Amin Gombong wholesale store.
brand trust, customer experience, service quality and customer satisfaction
Pengaruh Literasi Keuangan, Motivasi Investasi dan Modal Minimal Terhadap Keputusan Investasi pada Mahasiswa di Kebumen
This study aims to determine the effect of financial literacy, investment motivation and minimum capital on student investment decisions in Kebumen. Researchers use a quantitative approach, in which the observed symptoms are converted into numbers. Data collection techniques using questionnaires distributed through the googleform application distributed to 60 respondents who are students in Kebumen. This research method uses quantitative methods with multiple linear regression analysis which is processed using IBM SPSS Statistic 24. Partial test results show that financial literacy and minimum capital have a significant effect on investment decisions, this is evidenced by the significant value of 0.00 <0.05 and the tcount of 4.535> 2.003 for financial literacy and for minimum capital a significant value of 0.00 <0.05 and tcount of 2.193> 2.003. Simulatanly, there is an influence of financial literacy, investment motivation and minimum capital on investment decisions, this is evidenced by the significant value of 0.000 <0.05 and fcount 46.219> 2.29 and contributes an influence of 69.7% on investment decisions. Meanwhile, the results of the investment motivation test show that there is no significant effect on investment decisions, this is evidenced by the tcount of 0.677 < 2.003 and a significant value of 0.501 < 0.05.
Financial literacy, investment motivation, minimum capital, and investment decisions
Pengaruh Produk Domestik Regional Bruto Sektoral, Inflasi, dan Pertumbuhan Ekonomi Terhadap Ketimpangan Pendapatan di Pulau Jawa
One of the problems in developing countries is income inequality. Java Island as the center of economic mobility has a different economic structure in each province with the acquisition of the resulting sectoral Gross Regional Domestic Product. This study aims to determine the effect of primary sector GRDP, secondary sector GRDP, tertiary sector GRDP, inflation, and economic growth on income inequality in Java Island for the period 2015-2022. This research uses a quantitative approach with saturated sample technique and uses cross section data of six provinces in Java Island. The data analysis technique used is panel data regression with the Fixed Effect Model (FEM) model. The results of this study indicate that secondary sector GRDP has a negative and significant influence on income inequality. This shows that an increase in secondary sector GRDP can reduce income inequality in Java Island. Inflation has a positive and significant effect on income inequality, which means that an increase in inflation can worsen income inequality. while primary sector GRDP, tertiary sector GRDP, and economic growth have no significant effect on income inequality in the 2015-2022 period in Java Island.
Sectoral GRDP, Inflation, Economic Growth, Income Inequality
Analis Sentiment Antara Opini Pengguna Twitter dan Pergerakan Saham BCA di Pasar Modal Indonesia
Twitter has become a very important platform for stock traders and investors around the world, including in large countries like America. They rely on Twitter to access valuable information, similar to using Bloomberg terminals. While Twitter provides valuable insights, there are also negative aspects such as the spread of false information. Sentiment around shares shared on Twitter continues to grow, this encourages researchers to conduct research with the aim of providing better insight into how sentiment on Twitter social media can influence the movement of the BCA stock capital market in Indonesia. This research uses a data collection process method carried out by crawling Twitter data using tweet harvest, then the data is preprocessed with the aim of cleaning the tweet data so that it can be ready for further analysis stages, the data that has been collected is labeled according to the specified categories, then the results of the labeling are analyzed and reviewed in accordance with developments in BCA share prices in Indonesia. The analysis results show that sentiment on social media can have a significant impact on the capital market. Where in sentiment analysis, the highest number of data with positive labels was obtained, namely 635 tweet data (63.5%). The negative label has a total of 102 tweet data (10.2%), while the neutral label has the lowest number, namely 256 tweet data (25.6%). From this amount of data, it can be concluded that positive sentiment has a high frequency, while neutral and negative sentiment has a lower frequency.
Analisis Sentimen, Media Sosisl, Twitter, Pasar Modal, Saham BCA.
Copyright (c) 2024 Journal of Management, Economics, and Entrepreneur
PENGARUH KEMISKINAN DAN PERTUMBUHAN EKONOMI TERHADAP INDEKS PEMBANGUNAN MANUSIA DI PROVINSI JAWA TENGAH DALAM PRESPEKTIF EKONOMI ISLAM IBNU KHALDUN TAHUN 2019-2023
This study aims to analyze the impact of poverty and economic growth on the Human Development Index (HDI) in Central Java. The research employs a descriptive quantitative approach, utilizing a census technique for cross-sectional data and purposive sampling for time series data. The sample consists of 35 districts/cities in Central Java. Data analysis was conducted using panel regression with the Fixed Effect Model (FEM). The results indicate that poverty has a significant negative effect on the HDI, with a significance value of 0.0000 < 0.05, contributing 30.7% to the HDI. Economic growth has a significant positive effect on the HDI, with a significance value of 0.0021 < 0.05, contributing 1.13%. Overall, poverty and economic growth have a significant effect on the HDI, with a significance value of 0.00000 and an Adjusted R-Square of 0.505814, indicating a total influence of 50.58%, while the remaining 49.42% is affected by other factors not examined in this study. This study supports Ibn Khaldun’s view that justice and sound economic policies improve the HDI.
Analisis Strategi Pemasaran Dan Inovasi Produk Untuk Meningkatkan Volume Penjualan Pada Industri Garam Perspektif Ekonomi Islam (Studi Kasus Di Wisata Edukasi Tunnel Garam Kebuemen)
Salt Tunnel Educational Tourism is one of the industries producing high quality salt in Kebumen Regency. Apart from high quality, here they have also carried out various innovations in developing salt products. The aim of this research is to find out how marketing strategies and product innovation are applied to the Salt Tunnel Educational Tourism in Tlogopragoto Village to increase sales volume from an Islamic economic perspective. This type of research is qualitative research with a case study approach. The data collection techniques used were interviews, observation and documentation. The data sources used are primary data and secondary data. Data analysis is used by data reduction, data presentation, and drawing conclusions. The research results show that the marketing strategy is implemented through the 4P marketing mix (Product, Price, Place, Promotion), while product innovation includes features, design, quality, as well as additions in the form of partnerships. This strategic approach refers to Islamic economic principles, namely Rabbaniyyah, Akhlaqiyyah, Al-Waqiyyah, and Al-Insaniyyah. This strategy was successful in increasing sales volume, as proven by the available sales volume data.
Marketing Strategy, Product Innovation, Sales Volume, Islamic Economics
Pengaruh Price to Book Value (PBV), Earning Per Share (EPS), dan Price Earning Ratio (PER) terhadap Harga Saham Perusahaan Perbankan Syariah
Saat ini, tren investasi semakin dikenal oleh masyarakat, khususnya pada industri perbankan syariah yang mana terbukti resilien dan pulih lebih cepat pascapandemi COVID-19. Sebelum berinvestasi, perlu dilakukan analisis fundamental terlebih dahulu, terutama pada rasio pasar yang mana meliputi Price to Book Value (PBV), Earning Per Share (EPS), dan Price Earning Ratio (PER). Rasio-rasio tersebut dapat mencerminkan bagaimana pandangan investor terhadap risiko investasi dan prospek perusahaan di masa mendatang. Penelitian ini bertujuan untuk mengetahui pengaruh PBV, EPS, dan PER terhadap harga saham perusahaan perbankan syariah, baik secara parsial maupun simultan. Metode dalam penelitian ini adalah dengan pendekatan kuantitatif, yang mana digunakan untuk menganalisis data keuangan triwulan dari 4 bank syariah yang telah listing di Bursa Efek Indonesia (BEI) periode 2021-2023, serta menggunakan desain penelitian korelasional. Teknik pengumpulan data yang digunakan adalah dengan teknik dokumentasi, yang mana dibantu dengan Microsoft Office Excel 2007 dan EViews 10 untuk menganalisis data. Hasil dari penelitian ini menunjukkan bahwa secara parsial PBV berpengaruh ke arah positif, tetapi EPS dan PER tidak berpengaruh terhadap harga saham perusahaan perbankan syariah. Sedangkan secara simultan PBV, EPS, dan PER berpengaruh terhadap harga saham perusahaan perbankan syariah.
PRAKTIK MANAJEMEN RISIKO PADA BANK UMUM SYARIAH SEKTOR PEMBIAYAAN
Bank Umum Syariah merupakan Bank yang memegang peran penting dalam mendukung perekonomian di Indonesia dalam menghadapi risiko dan tantangan yang semakin kompleks. Risiko dan tantangan yang dihadapi oleh Bank Umum Syariah bersifat internal dan eksternal. Kemungkinan terjadinya suatu peristiwa yang berdampak terhadap pencapaian sasaran organisasi, baik berdampak negatif (sesuatu yang tidak diharapkan namun terjadi) maupun berdampak positif (sesuatu yang diharapkan namun tidak terjadi) disebut dengan risiko. Namun, sering sekali terjadi kecelakaan kerja yang mengakibatkan suatu Bank Umum Syariah mengalami kerugian. Tentunya dengan mengenali risiko-risiko yang ada dapat mencegah terjadinya kecelakaan kerja. Untuk itu perlunya dibentuk suatu sistem yang baik secara komprehensif, terencana dan terstruktur. Penelitian ini fokus pada cara menarik investor untuk memberikan pembiayaan pada Bank Umum Syariah di bawah naungan OJK. Penelitian ini merupakan jenis penelitian deskriptif kualitatif dengan teknik pengumpulan data sekunder. Hasil penelitian ini memberikan wawasan mendalam tentang praktik manajemen risiko yang efektif dan relevan dalam konteks pemberian pembiayaan pada Bank Umum Syariah di bawah naungan OJK, memberikan panduan berharga bagi perbankan lainnya dalam mengelola dana pembiayaan dan membangun kepercayaan para investor. Selanjutnya, penyelesaian masalah pembiayaan dilakukan dengan ide 3R, yaitu: rescheduling (perubahan jadwal atau jangka waktu dalam penanganan pembiayaan bermasalah), reconditioning (penyelamatan pembiayaan bermasaah dengan mengubah seluruh atau sebagian perjanjian antara Bank Umum Syariah dan nasabah dengan harapan nasabah dapat melunasi kewajibannya), restructuring (tindakan Bank Umum Syariah kepada nasabah dengan cara menambah modal dan pertimbangan nasabah memang membutuhkan tambahan dan usaha yang dibiayai memang masih layak).
Pengaruh Boikot Produk Israel Terhadap Saham Perusahaan Afiliasi Israel Yang Terdaftar Di Bursa Efek Indonesia (BEI)
The boycott movement against companies supporting Israel continues, including brands in Indonesia that fall under entities listed on the Indonesia Stock Exchange (IDX). This research aims to assess the impact of the decline in stock prices of Pro-Israel companies due to the Boycott Movement. The research method employed is qualitative descriptive. The results indicate that companies affected by this boycott movement experience a significant decrease in their stock prices. The impact of this boycott movement is not only felt in the domestic market but also has the potential to affect the reputation and overall performance of the companies. Additionally, the stock decline can influence investment decisions.
Analisa Fundamental Saham Berbasis Aplikasi Smartphone Ala Gen Z
Minat masyarakat Indonesia dalam Investasi di pasar modal masih tergolong rendah. Walaupun mengalami geliat kenaikan dalam beberapa tahun terakhir, tercatat baru sekitar 12 juta masyarakat Indonesia yang berinvestasi di pasar modal. Fakta menarik menunjukkan bahwa Investor pasar modal di Indonesia didominasi Gen Z dan Milenial. Tulisan Ini bertujuan mendeskripsikan cara analisa fundamental saham berbasis aplikasi smartphone yang dilakukan Gen Z dan Milenial. Selain mendeskripsikan teknis dalam analisa fundamental, tulisan Ini juga menggali bagaimana literasi digital Gen Z dan milenial dapat meningkatkan geliat investasi di pasar modal. Berdasar jenis datanya, tulisan Ini menggunakan data kualitatif. Adapun berdasar framework penelitiannya, tulisan Ini menggunakan jenis penelitian deskriptif. Dalam penelitian, didapatkan hasil bahwa analisa fundamental saham berbasis aplikasi smartphone dapat digunakan untuk analisa fundamental saham berkaitan dengan kesehatan neraca perusahaan, profit perusahaan, profit saham, dan valuasi saham.
Model Perlindungan Investor Ritel di Pasar Modal Indonesia dengan Menggunakan Variable Kelayakan Investor, Pengawasan Market Conduct dan Struktur Penyelenggara Pasar Modal
Retail investors in the Indonesian capital market are currently dominated by Gen Z who generally lack experience in determinating the right investment strategy. In addition, regulations and implementation of capital market regulations that do not favor retail investors increasingly make retail investors vulnerable to losing their capital. This research aims to analyze the retail investor protection model in the Indonesian capital market with the variables of investor suitability, market conduct supervision and the structure of capital market administrators. The research method used is a literature study by analyzing secondary data published in journals and reports as well as analyzing cases that occurred in the Indonesian capital market. The research coclusion is that eforts to provide protection to retail investors need to be carried out dynamically and comprehensively so that investors feel safe when investing in the Indonesian capital market.
PENGARUH PERSEPSI KEMUDAHAN DAN PERSEPSI KEAMANAN TERHADAP KEPUTUSAN PENGGUNAAN E-WALLET DANA DIKALANGAN GENERASI Z
This study aims to determine the effect of perceived convenience and perceived security on decisions to use e-wallet funds among generation z. The type of data used in this study is primary data. The data analysis technique used is multiple linear regression analysis. This study uses a descriptive approach with quantitative methods, data collection techniques using questionnaires. the sample in this study amounted to 60 respondents who were analyzed using IMB SPSS Statistics 26. The results of this study indicate that variable X1 (perceived convenience) has a positive and significant effect on usage decisions (Y) as evidenced by the results of the tcount of 2.291> ttable, namely 2.00247. At the X2 value, the tcount is 2.058> t table of 2.00247 with a significance value of 0.044 <0.05, which means that the X2 variable (perceived security) has a positive and significant effect on usage decisions (Y). And simultaneously, X1 and X1 together affect the value of Y as evidenced by the results of Fcount of 6.794> Ftable of 3.16.
Perceived Ease, Perceived Security, and Usage Decisions
PENGARUH LITERASI KEUANGAN, INKLUSI KEUANGAN DAN PENGGUNAAN UANG ELEKTRONIK TERHADAP PERILAKU KONSUMTIF SANTRI (STUDI KASUS PADA PONDOK PESANTREN AL-HUDA, JETIS, KUTOSARI, KEBUMEN)
ABSTRAK Penelitian ini bertujuan untuk mengidentifikasi pengaruh literasi keungan, inklusi keuangan, dan penggunaan uang elektronik terhadap perilaku konsumtif santri Pondok Pesantren Al Huda Jetis, Kutosari, Kebumen. Objek penelitian ini yaitu santri ponpes Al Huda Jetis, Kutosari, Kebumen yang berumur 17 tahun dan santri yang menggunakan uang elektronik dengan data primer yang diperoleh dari penyebaran kuesioner. Teknik pengambilan sampel menggunakan teknik non-probability sampling dan memakai metode convenience sampling. Hasil penelitian menunjukan bahwa nilai variabel literasi keuangan sebesar 0,000 < 0,05 artinya variabel tersebut berpengaruh signifikan terhadap variabel perilaku konsumtif santri Al Huda. Nilai signifikansi variabel inklusi keuangan sebesar 0.000 < 0.05 sehingga dapat dikatakan variabel inklusi keuangan berpengaruh signifikan terhadap variabel perilaku konsumtif santri Pondok Pesantren Al Huda. Sedangkan variabel penggunaan uang elektonik memiliki nilai signifikansi sebesar 0.000 < 0.05 sehingga dapat disimpulkan bahwa variabel penggunan uang elektronik berpengaruh signifikan terhadap variabel perilaku konsumtif santri Al Huda. Kata Kunci : Literasi Keuangan, Inklusi Keuangan, Uang Elektronik, Perilaku Konsumtif