Abstract:Digital technologies are changing rapidly, and this has changed the financial services industry, especially how people decide where to invest their money. This study looks at how digital literacy, financial literacy, and…
fear of missing out (FOMO) affect how much risk young investors are willing to take when investing with information disclosure as a mediating variable. The research data is taken from 447 investors of Gen Y and Z in West Java and used Partial Least Squares-Structural Equation Modeling (PLSSEM). The results show that being financially literate makes people more likely to search for financial information, but it also makes them less willing to take risks when investing. This suggests that people who know a lot about money are more careful when they invest. On the other hand, FOMO has a positive effect on both information searching and risk tolerance, showing how emotions can affect people online. Digital literacy helps people be more willing to take risks, but it does not have a big effect on how much information they search. These results show how important cognitive and emotional factors are in determining how people act when it comes to IT-driven finances. The study helps with responsible digital transformation by showing how important it is for individuals to be ready to navigate fintech ecosystems. It also gives regulators, platform providers, and educators ideas on how to promote more informed and resilient investment practices.
Abstract:The COVID-19 pandemic has had a significant impact on partial business sectors. One of the businesses affected is the property business. That's why a SWOT analysis is needed in the property marketing industry to answer step…
tep optimization. This study aims to identify SWOT in the property marketing industry of PT Harmony Land Group in the Pandemic Era. The purpose of this study is to map and analyze Strengths (Strengths), Weaknesses (Weaknesses), Opportunities (Opportunities), Threats (Threats) in the industry management rights to the industry. We also know that the natural phenomenon of covid 19 is possible to create a tremendous impact on variable business sectors. There are businesses that go up, there are new businesses, there are businesses that are decreasing, and some businesses are closing. Through SWOT analysis in the property marketing industry, we are able to see the strength we will maintain, the weaknesses we will strengthen and minimize, the opportunities we must take and the threats we create solutions for. In this case, PT Harmony Land Group as one of the affected property companies was able to survive in the midst of the onslaught of the COVID-19 pandemic and was able to create strategic management into an execution in the field of property marketing so as to make the company sustainable to date and create new opportunities that have yetEmerged. COVID-19 during the COVID-19 pandemic.
Abstract:This research investigates the impact of AI literacy on leadership effectiveness within the finance industry, a sector experiencing rapid digital transformation. As artificial intelligence becomes increasingly integrated…
into financial operations, leaders are required to possess not only traditional managerial skills but also a strong understanding of AI concepts, applications, and ethical considerations. Using a quantitative approach, data were collected from 55 finance professionals occupying leadership roles across various organizations. The study assessed their levels of AI literacy and examined its relationship with their perceived leadership effectiveness. The results reveal a significant positive correlation between AI literacy and leadership effectiveness, indicating that leaders with higher AI literacy are better equipped to drive innovation, make strategic decisions, and successfully adapt to technological change. These findings highlight the importance of integrating AI literacy into leadership development programs and fostering a culture of continuous learning to ensure sustained organizational agility and competitiveness in the finance sector.
Abstract:This study aims to analyze the management of batik as an educational tourism attraction based on local cultural values in Karanganyar Regency, with an emphasis on the involvement of the five key actors in the Penta Helix…
model—government, academia, business sector, community, and media. Karanganyar possesses rich cultural heritage in the form of batik, which holds significant potential to be developed into an educational tourism destination. However, its current management still faces various challenges. This research employed a qualitative descriptive approach, using in-depth interviews, field observations, and document studies for data collection. Data were analyzed using thematic analysis, referring to destination management theory (Cooper et al., 2008) and the concept of edu-tourism (Bodger, 1998). The results reveal that the management of batik educational tourism in Karanganyar has not yet been systematically integrated. Key issues identified include: (1) limited human resources with adequate competence, (2) conventional tourism practices, (3) lack of innovation in tourism product packaging, (4) insufficient institutional coordination and support, and (5) underdeveloped integration between cultural and educational tourism. While there is a strong commitment to cultural preservation from local communities and participation from business actors, structural support from the government and optimization of the media’s role require further enhancement. The implication of this research emphasizes the need for strengthened cross-sectoral collaboration through the Penta Helix framework, the formulation of specific policies for educational tourism development, as well as innovations in digital promotion and context-based cultural education curricula. This study is expected to serve as a reference for policymakers, tourism practitioners, and future researchers in promoting sustainable educational tourism rooted in local culture.
Abstract:This study examines the development of Al-Quran digital tools and their impact on Islamic learning in the context of religious media transformation. The study was conducted with a qualitative approach, using the documentation…
ation study method and content analysis of the Al-Quran mobile application available on Android and iOS platforms within the last five years. The analysis is focused on aspects of usability, accessibility, and digital features that support learning and understanding of the Quran. The findings of the study reveal that the integration of digital technology and religious content has resulted in a new paradigm in the learning and dissemination of Islamic messages, marking social change and increased transformation of religious media. This research produces a comprehensive evaluation framework for Al-Quran digital tools and typologies based on categories and functionality, which makes theoretical and practical contributions to the development of Al-Quran mobile applications in the future.
Abstract:This study examines the relationship between the concept of Maqashid Al-Quran and the optimization of budget management in the context of Islamic economics. Using the systematic literature review method, this article collects…
lects and analyzes publications from Scopus indexed journals in the last 10 years to identify conceptual frameworks and indicators of budget efficiency that can be synergized with the principles of Maqashid Al-Quran. The findings of the study show that the implementation of maqashid values—such as the protection of soul, religion, intellect, descent, and property—can be the basis for formulating budgeting policies that are not only efficient but also socially just. In addition, this article develops an innovative analysis model, integrates budget efficiency indicators with the maqashid principle, and offers practical implementation recommendations for researchers and policymakers. The implications of this research are expected to help in the formulation of more holistic and progressive Islamic economic policies. This research has shown that the integration of the principles of Maqashid Al-Quran into budget management has the potential to improve fiscal policy by strengthening aspects of justice, transparency, and efficiency. Using the systematic literature review method, this article not only identifies gaps in the conventional literature, but also offers an innovative framework that can be used as a reference for researchers and practitioners in the development of Islamic economics. The implementation of this framework requires a joint commitment between stakeholders to reform fiscal governance and integrate ethical values at every policy stage. It is hoped that the results of this research will provide inspiration for the development of a long-term strategy that is progressive, based on maqashid in budget management, and will be an important contribution in realizing public governance that is fair, efficient, and oriented towards community welfare.
Abstract:Abstract This study is motivated by the financial literacy of generation Z and also the quality of life insurance products in Indonesia which are moderated by gender in influencing a person's interest in buying life insurance…
surance in Indonesia. This study uses a quantitative method with a descriptive relationship approach. Determination of the sample in this study was carried out by calculating using the Bernoulli formula, with a total of 384 respondents. The data analysis technique used is the Structural Equation Model - Partial Least Square (SEM-PLS). The results of the study show that financial literacy (X1) and product quality (X2) do not have a significant effect on buying interest (Y) where the p-values of both variables are <0.05. Other findings also state that Gender (Z) does not significantly moderate financial literacy and product quality. The conclusion of this study is that the factors that make generation Z interested in buying insurance products are influenced by their perceptions of financial literacy and product quality. More specifically, the perception of product quality factors has a significant and positive influence on generation Z's interest in buying life insurance products in Indonesia. The findings show that of the two variables, product quality can be the strongest predictor in predicting generation Z's interest in purchasing life insurance products. Financial literacy cannot significantly predict generation Z's interest in purchasing insurance products.
Keywords : financial literacy, product quality, gender, purchasing intention
Abstract:Allah created Prophet Adam (peace be upon him) not without purpose or intention. It was not merely to make the earth more vibrant, but the primary purpose was to appoint Adam (peace be upon him) as a khalifah—a leader on…
on earth. The role of a leader is to organize, manage, protect, preserve, and utilize all the resources that Allah has provided on this earth for the benefit and well-being of humankind. To fulfill his responsibilities as a leader, Allah prepared and equipped Adam (peace be upon him) with intellect and knowledge . In Surah At-Tin, verse 4, Allah explains: "Indeed, We created man in the best of stature," which means that Allah created humans in the most perfect form, endowed with intellect. With this intellect, humans are able to explore all of their potential for the benefit of humanity.
Abstract:This study aims to analyze the development strategy of cassava leaf-based animal feed ( Manihot utilissima ) in Sumberejo Village, Pagar Merbau District, Deli Serdang Regency. This study uses a nonprobability sampling method…
thod with a saturated sampling technique. With a total of 53 respondents consisting of 50 consumers, 1 business owner and 2 employees. This study uses primary and secondary data. This study uses multiple linear regression analysis to determine what factors influence the development strategy of cassava leaf animal feed and descriptive analysis to analyze the development strategy for the potential and opportunities of using cassava leaves as animal feed. This research method uses qualitative and quantitative analysis. The results showed that cassava leaves have a high crude protein content, which is around 20-30%, and contain crude fiber, fat, and minerals that are beneficial for livestock growth. Multiple linear regression analysis in this study shows that all independent variables have a significant effect on the dependent variable. Among these factors, the economic aspect makes the largest contribution, making it the main factor influencing the dependent variable. Furthermore, social aspects and external support also play a significant role in determining the results. In addition, other factors such as technology, resources, and marketing and distribution also have a significant impact, although with a smaller influence compared to economic and social aspects. Thus, the regression model shows a positive relationship between the independent variables and the dependent variable, so that improvements in these aspects will increase the dependent variable, with the main priority on economic and social aspects.
Abstract:The rapid transition to electric vehicles (EV) is driven by global environmental concerns and the need to reduce dependence on fossil fuels. In Indonesia, EV adoption faces challenges related to market dynamics, consumer…
behavior, and effective communication strategies. Marketing research and understanding consumer behavior aims to collect and obtain more detailed information and knowledge about customers towards electric vehicle products. Through this, it can understand customers and their tastes, preferences, reflect the future, and also help reduce the risk of product and business failure. Using Word of Mouth communication as part of a marketing strategy that can be carried out by companies in maintaining their business desires. In this article, the author tries to understand the concept of market research, consumer behavior, and the Word-of-Mouth communication model using a qualitative library observation approach, this study analyzes existing research on how these three factors contribute to the growth and long-term survival of the electric vehicle market. Market research provides insight into consumer preferences and market trends, offering important data to align EV products with consumer needs. Understanding consumer behavior is essential in overcoming perceived barriers, such as cost and infrastructure limitations, that hinder EV adoption. Meanwhile, word of mouth communication plays an important role in influencing consumer decisions by fostering trust and awareness of the benefits of EVs. The findings highlight the interconnections between these factors and their collective impact on the development of sustainable marketing strategies for EVs in Indonesia. This study provides valuable insights for stakeholders, including automotive companies and policymakers, in designing more effective marketing approaches that support the sustainable growth of the EV sector.