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All Journal BISNIS: Jurnal Bisnis dan Manajemen Islam Li Falah: Jurnal Studi Ekonomi dan Bisnis Islam
Audia, Nanda
Unknown Affiliation
Humanities Decision Sciences, Operations Research & Management Economics, Econometrics & Finance Social Sciences

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Faktor Penentu Minat Menggunakan Financial Technology Syariah Pasca Covid-19 Kurniawan, Arifa; Ningsih, Nur Wahyu; Pramasha, Raizky Rienaldy; Audia, Nanda
BISNIS Vol 11, No 1 (2023): BISNIS: Jurnal Bisnis dan Manajemen Islam
Publisher : Fakultas Ekonom dan Bisnis Islam Institut Agama Islam Negeri (IAIN) Kudus

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.21043/bisnis.v11i1.19840

Abstract

The Covid-19 pandemic has shaped people's behavior patterns to utilize technology to facilitate activities. Technological innovations used in the financial sector with Islamic concepts are called sharia financial technology. This study aims to prove the theoretical concepts of planned behavior (attitudes, subjective norms, and perceptions of behavior control), the use of technology, Islamic financial literacy and digital literacy influence students' interest in using Islamic financial technology. This study uses a quantitative method with an explanatory research approach. The population in this study were FEBI UIN RIL students. The sampling method used accidental sampling with a total sample of 221 respondents. Data collection techniques using a questionnaire. The data analysis technique used the structural equation model-Partial Least Square (SEM-PLS) with the Warpls 7.0 tool. The results of the study prove that the variables attitude (X1), perceived behavioural control (X3), digital literacy (X5), and use of technology (X6) influence students' intentions to use Islamic financial technology. Meanwhile, the subjective norm variables (X2) and Islamic financial literacy (X4) have no effect on students' intentions to use Islamic financial technology.
Digital Transformation and Tax Policy: Analyzing MSME Resilience in Post-Pandemic Era Through E-Commerce Adoption and Tax Incentive Utilization in Bandar Lampung Central Market Maulifah, Elia; Hanif, Hanif; Kurniawan, Agus; Audia, Nanda
Li Falah: Jurnal Studi Ekonomi dan Bisnis Islam Vol 1, No 1 (2024): Special Edition: International Conference on Islamic Economics (ICOIE)
Publisher : Institut Agama Islam Negeri Kendari

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.31332/lifalah.v1i1.10246

Abstract

This study investigates the intersection of digital transformation and fiscal policy in supporting Micro, Small, and Medium Enterprise (MSME) resilience in the post-COVID-19 landscape. Through comprehensive interviews with 100 MSME owners in Bandar Lampung's Central Market, we examine the effectiveness of government tax incentives and digital platform adoption as key survival strategies. Our findings reveal a significant gap in tax incentive utilization, with 61% of MSMEs not accessing these benefits primarily due to insufficient socialization and complex regulatory frameworks. However, MSMEs demonstrate remarkable adaptability in digital transformation, with 50% adopting Shopee and 29% utilizing Tokopedia as primary e-commerce platforms. The study identifies a clear pattern of digital platform preference, with businesses leveraging various online marketplaces to expand market reach and enhance competitiveness. The research also examines these adaptations through an Islamic economic perspective, evaluating the alignment of digital commerce and tax incentive utilization with Islamic business principles. Our findings suggest that while tax incentive programs have shown limited effectiveness, digital platform adoption has emerged as a crucial factor in business sustainability. This research contributes to understanding the evolving dynamics of MSME resilience in the digital age. It provides practical insights for policy enhancement and business strategy development in the post-pandemic era.
Digital Transformation and Tax Policy: Analyzing MSME Resilience in Post-Pandemic Era Through E-Commerce Adoption and Tax Incentive Utilization in Bandar Lampung Central Market Maulifah, Elia; Hanif, Hanif; Kurniawan, Agus; Audia, Nanda
Li Falah: Jurnal Studi Ekonomi dan Bisnis Islam Vol. 1 No. 1 (2024): Special Edition: International Conference on Islamic Economics (ICOIE)
Publisher : Institut Agama Islam Negeri Kendari

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.31332/lifalah.v1i1.10246

Abstract

This study investigates the intersection of digital transformation and fiscal policy in supporting Micro, Small, and Medium Enterprise (MSME) resilience in the post-COVID-19 landscape. Through comprehensive interviews with 100 MSME owners in Bandar Lampung's Central Market, we examine the effectiveness of government tax incentives and digital platform adoption as key survival strategies. Our findings reveal a significant gap in tax incentive utilization, with 61% of MSMEs not accessing these benefits primarily due to insufficient socialization and complex regulatory frameworks. However, MSMEs demonstrate remarkable adaptability in digital transformation, with 50% adopting Shopee and 29% utilizing Tokopedia as primary e-commerce platforms. The study identifies a clear pattern of digital platform preference, with businesses leveraging various online marketplaces to expand market reach and enhance competitiveness. The research also examines these adaptations through an Islamic economic perspective, evaluating the alignment of digital commerce and tax incentive utilization with Islamic business principles. Our findings suggest that while tax incentive programs have shown limited effectiveness, digital platform adoption has emerged as a crucial factor in business sustainability. This research contributes to understanding the evolving dynamics of MSME resilience in the digital age. It provides practical insights for policy enhancement and business strategy development in the post-pandemic era.
Co-Authors Agus Kurniawan Arifa Kurniawan Hanif Hanif Maulifah, Elia Ningsih, Nur Wahyu Raizky Rienaldy Pramasha