JURNAL EKONOMI BISNIS DAN MANAJEMEN最新文献

{"title":"Perkembangan serta Peran Ekonomi Kreatif di Indonesia dari Masa ke Masa","authors":"Aulia Daisy Arsy Syafitri, Fauzatul Laily Nisa","doi":"10.59024/jise.v2i3.810","DOIUrl":"https://doi.org/10.59024/jise.v2i3.810","url":null,"abstract":"Ekonomi kreatif telah menjadi fokus penting dalam mendorong pertumbuhan ekonomi di Indonesia sejak diperkenalkan pada tahun 2006. Sektor ini telah mengalami pertumbuhan yang signifikan, terbukti dari sumbangan terhadap Produk Domestik Bruto (PDB), penyerapan tenaga kerja, dan ekspor produk kreatif. Meskipun demikian, dengan perkembangan teknologi dan globalisasi, subsektor digital seperti aplikasi dan permainan telah menguasai panorama ekonomi kreatif. Kendati begitu, masih ada tantangan yang dihadapi sektor ini, seperti kekurangan infrastruktur pendukung, akses pembiayaan yang terbatas, dan rendahnya tingkat pendidikan kreatif. Untuk memaksimalkan potensi ekonomi kreatif di masa depan, diperlukan strategi yang menyeluruh dan kerjasama antara pemerintah, industri, dan masyarakat. Oleh karena itu, penelitian ini akan mengevaluasi perkembangan serta peran ekonomi kreatif di Indonesia, mengidentifikasi tantangan dan peluang yang ada, serta menyusun rekomendasi kebijakan untuk pengembangan sektor ini ke depan.","PeriodicalId":516614,"journal":{"name":"JURNAL EKONOMI BISNIS DAN MANAJEMEN","volume":null,"pages":null},"PeriodicalIF":0.0,"publicationDate":"2024-06-08","publicationTypes":"Journal Article","fieldsOfStudy":null,"isOpenAccess":false,"openAccessPdf":"","citationCount":null,"resultStr":null,"platform":"Semanticscholar","paperid":"141370397","PeriodicalName":null,"FirstCategoryId":null,"ListUrlMain":null,"RegionNum":0,"RegionCategory":"","ArticlePicture":[],"TitleCN":null,"AbstractTextCN":null,"PMCID":"","EPubDate":null,"PubModel":null,"JCR":null,"JCRName":null,"Score":null,"Total":0}

{"title":"Penerapan Akad Istishna dalam Sistem Cash On Delivery (COD) pada Transaksi Jual Beli Online","authors":"Olga Fatmah Rahmawati, Fauzatul Laily Nisa","doi":"10.59024/jise.v2i3.813","DOIUrl":"https://doi.org/10.59024/jise.v2i3.813","url":null,"abstract":"Abstract. Online shopping is a new technique in the world of trade in the lives of people in the modern era. Online shopping is also considered practical because online marketing utilizes the internet as a potential source of information to facilitate the life system. With global technological advancements of transactions that continues to develop, many opportunities for convenience are open for people in shopping activities. One of them is through online buying and selling known as e-commerce. This phenomenon shows that e-commerce platforms such as Tiktok, Shopee, Tokopedia, Lazada, Blibli, and Bukalapak have become the main choice for people in making shopping transactions today. This reflects the widespread adoption of the concept of online shopping as a practical and efficient alternative to meet consumer needs. This development also marks the transformation of the traditional way of shopping towards a more modern model that is integrated with technology. In carrying out this transaction, various types of contracts are used, such as the istishna contract. This istishna contract can be used for online purchases and sales can be established in a more structured manner and in accordance with sharia principles. Through this contract, buyers and sellers can carry out transactions clearly and fairly, and ensure that the goods or services ordered are suitable with the requirements and anticipations of the buyer. This research makes use of a descriptive qualitative approach involving reading theory, which includes methods of collecting and analyzing data from a variaty of sources including books, scientific notebooks, references, & additional literature partinent to the study topic. The purpose of this study is to determine the use of the isttishna contract for online purchases and sales made under the cash on delivery (COD) method with the hope of producing a through comprehension of the idea of the isttishna contract in Islamic economics and the ways in which these ideas might be used in cash on delivery (COD) transactions. \u0000Keywords: Contract istishna, cash on delivery (COD), buy and sell online \u0000  \u0000Abstrak. Penjualan online  adalah  pola perdagangan  yang telah merevolusi cara hidup masyarakat umum pada zaman sekarang. Penjualan online menjadi lebih umum karena penjualan ini menggunakan internet untuk menyediakan  pengetahuan yang  berpotensi  berguna  untuk memperlancar pola hidup. Dengan kemajuan teknologi dalam dunia transaksi yang terus berkembang, terbuka banyak peluang kemudahan bagi masyarakat dalam kegiatan berbelanja. Salah satunya adalah melalui jual beli online yang dikenal sebagai e-commerce. Fenomena ini menunjukkan bahwa platform penjulaan online contohnya Tiktok, Shopee, Tokopedia, Lazada, Blibli, serta Bukalapak telah menjadi pilihan utama masyarakat dalam melakukan transaksi belanja saat ini. Hal ini mencerminkan adopsi yang luas terhadap konsep belanja online sebagai alternatif yang praktis dan efisien dalam memenuhi kebutuhan k","PeriodicalId":516614,"journal":{"name":"JURNAL EKONOMI BISNIS DAN MANAJEMEN","volume":null,"pages":null},"PeriodicalIF":0.0,"publicationDate":"2024-06-08","publicationTypes":"Journal Article","fieldsOfStudy":null,"isOpenAccess":false,"openAccessPdf":"","citationCount":null,"resultStr":null,"platform":"Semanticscholar","paperid":"141368586","PeriodicalName":null,"FirstCategoryId":null,"ListUrlMain":null,"RegionNum":0,"RegionCategory":"","ArticlePicture":[],"TitleCN":null,"AbstractTextCN":null,"PMCID":"","EPubDate":null,"PubModel":null,"JCR":null,"JCRName":null,"Score":null,"Total":0}

{"title":"ANALISIS FAKTOR-FAKTOR YANG MENENTUKAN PILIHAN NASABAH TERHADAP TABUNGAN WADIAH PADA BANK SYARIAH","authors":"Muhammad Rizky Dwi Kurniawan, Fauzatul Laily Nisa","doi":"10.59024/jise.v2i3.811","DOIUrl":"https://doi.org/10.59024/jise.v2i3.811","url":null,"abstract":"Abstract. This study analyzes the factors determining customers' choices regarding wadiah savings in Islamic banks. Islamic banks, as financial institutions operating based on Islamic principles, offer wadiah savings products that are free from interest, speculation, and uncertainty, making them an attractive option for individuals who wish to accumulate savings in accordance with sharia. Using qualitative methods and a literature study approach, it was found that the determinants of customers choosing wadiah savings are influenced by internal and external factors. Internal factors include personality, religiosity, knowledge, and family influence. External factors include occupation, social interaction, service quality, and other factors such as economic conditions, technology, regulation, and promotion. Understanding these factors is crucial for Islamic banks in designing effective marketing strategies. These strategies can enhance customer satisfaction, attract new customers, and strengthen the position of Islamic banks in a competitive market. \u0000Keywords: Sharia Bank, Wadiah Savings, Influence Factors, Marketing Strategy. \u0000Abstrak. Penelitian ini menganalisis faktor-faktor yang menentukan pilihan nasabah terhadap tabungan wadiah di bank syariah. Bank syariah, sebagai lembaga keuangan yang beroperasi berdasarkan prinsip-prinsip Islam, menyediakan produk tabungan wadiah yang bebas dari unsur bunga, spekulasi, dan ketidakpastian, menjadikannya pilihan menarik bagi individu yang ingin mengakumulasi tabungan sesuai dengan syariah. Dengan menggunakan metode kualitatif dan pendekatan studi literatur, ditemukan bahwa penentu nasabah dalam memilih tabungan wadiah dipengaruhi oleh faktor internal dan eksternal. Faktor internal meliputi kepribadian, religiusitas, pengetahuan, dan pengaruh keluarga. Faktor eksternal termasuk pekerjaan, interaksi sosial, kualitas pelayanan, dan faktor lainnya seperti kondisi ekonomi, teknologi, regulasi, dan promosi. Pemahaman terhadap faktor-faktor ini penting bagi bank syariah dalam merancang strategi pemasaran yang efektif. Strategi ini dapat meningkatkan kepuasan nasabah, menarik nasabah baru, dan memperkuat posisi bank syariah di pasar yang kompetitif. \u0000Kata kunci: Bank Syariah, Tabungan Wadiah, Faktor-Faktor Pengaruh, Startegi Pemasaran.","PeriodicalId":516614,"journal":{"name":"JURNAL EKONOMI BISNIS DAN MANAJEMEN","volume":null,"pages":null},"PeriodicalIF":0.0,"publicationDate":"2024-06-08","publicationTypes":"Journal Article","fieldsOfStudy":null,"isOpenAccess":false,"openAccessPdf":"","citationCount":null,"resultStr":null,"platform":"Semanticscholar","paperid":"141370139","PeriodicalName":null,"FirstCategoryId":null,"ListUrlMain":null,"RegionNum":0,"RegionCategory":"","ArticlePicture":[],"TitleCN":null,"AbstractTextCN":null,"PMCID":"","EPubDate":null,"PubModel":null,"JCR":null,"JCRName":null,"Score":null,"Total":0}

{"title":"Anilisis Penggunaan Pinjaman Online Pada Saat Pandemi Covid-19 Terhadap Ekonomi Syariah","authors":"Fiorentina Amanda Argawandani, Fauzatul Laily Nisa","doi":"10.59024/jise.v2i3.812","DOIUrl":"https://doi.org/10.59024/jise.v2i3.812","url":null,"abstract":"Abstract. During the pandemic, there were many people who suffered big losses and had an impact on the economy, so this caused people who experienced a downturn in the economy to be particularly encouraged to apply for loans via the internet. Especially online loan transactions are very supportive because they are very easy to reach. So, people don't need to leave the house to carry out this transaction. The research being carried out has the aim of discussing the rise of online loans during the pandemic and a review of sharia economic law on online loans during the pandemic and an evaluation of sharia economic law on online lending practices is the main focus of this research. The method used is descriptive qualitative, with a literary nature because it analyzes and discusses to conclude the legal status regarding online loans. \u0000Keywords: Online Loans, Islamic Economic Law, Pandemic \u0000Abstrak. Selama pandemi, masyarakat banyak sekali orang-orang yang merugi besar dan berpengaruh dalam perekonomian, sehingga pada hal ini menyebabkan masyarakat yang mengalami penurunan dalam perekonomian terdorong terutama untuk mengajukan pinjaman melalui internet. Terutama transaksi pinjaman online ini sangat mendukung karena sangat mudah dijangkau. Jadi, masyarakat tidak perlu meninggalkan rumah untuk melakukan transaksi ini. Pada penelitian yang sedang dilakukan ini memiliki tujuan yang dapat membahas tentang marakya pinjaman online selama pandemi dan tinjauan hukum ekonomi syariah pada pinjaman daring selama pandemi dan evaluasi hukum ekonomi syariah terhadap praktik pinjaman daring ini adalah fokus utama penelitian ini. Metode yang digunakan adalah deskriptif kualitatif, dengan sifatnya yang bersifat kepustakaan karena menganalisis dan mendiskusikan untuk menyimpulkan status hukum mengenai pinjaman daring. \u0000Kata kunci: Pinjaman Daring, Hukum Ekonomi Syariah, situasi pandemi","PeriodicalId":516614,"journal":{"name":"JURNAL EKONOMI BISNIS DAN MANAJEMEN","volume":null,"pages":null},"PeriodicalIF":0.0,"publicationDate":"2024-06-08","publicationTypes":"Journal Article","fieldsOfStudy":null,"isOpenAccess":false,"openAccessPdf":"","citationCount":null,"resultStr":null,"platform":"Semanticscholar","paperid":"141368584","PeriodicalName":null,"FirstCategoryId":null,"ListUrlMain":null,"RegionNum":0,"RegionCategory":"","ArticlePicture":[],"TitleCN":null,"AbstractTextCN":null,"PMCID":"","EPubDate":null,"PubModel":null,"JCR":null,"JCRName":null,"Score":null,"Total":0}

{"title":"Analisis Tantangan dan Peluang Perbankan Syariah dalam Mewujudkan Pembangunan Ekonomi Berkelanjutan","authors":"Calvin Alfiansyah, Fauzatul Laily","doi":"10.59024/jise.v2i3.814","DOIUrl":"https://doi.org/10.59024/jise.v2i3.814","url":null,"abstract":"Islamic banking, with principles based on Islamic law, has developed rapidly and become an important part of the global financial system. In the last few decades, Islamic banking has not only been seen as an alternative to conventional banking, but also as an instrument that can make a significant contribution to sustainable economic development. Sharia principles such as the prohibition of riba (interest), maisir (speculation), and gharar (uncertainty) as well as a commitment to social justice and general welfare provide a strong foundation for promoting a sustainable and inclusive economy. This research describes the challenges and opportunities of Islamic banking in realizing sustainable economic development in the form of writing based on literature studies carried out by finding secondary data obtained from literature studies carried out. In expressing the challenges and opportunities of sharia banking in realizing sustainable economic development, it is carried out using the concept of sustainable economic development by looking at three aspects, namely social aspects, economic aspects and environmental aspects.","PeriodicalId":516614,"journal":{"name":"JURNAL EKONOMI BISNIS DAN MANAJEMEN","volume":null,"pages":null},"PeriodicalIF":0.0,"publicationDate":"2024-06-08","publicationTypes":"Journal Article","fieldsOfStudy":null,"isOpenAccess":false,"openAccessPdf":"","citationCount":null,"resultStr":null,"platform":"Semanticscholar","paperid":"141368850","PeriodicalName":null,"FirstCategoryId":null,"ListUrlMain":null,"RegionNum":0,"RegionCategory":"","ArticlePicture":[],"TitleCN":null,"AbstractTextCN":null,"PMCID":"","EPubDate":null,"PubModel":null,"JCR":null,"JCRName":null,"Score":null,"Total":0}

{"title":"Kualitas Pelayanan Terhadap Peningkatan Loyalitas Konsumen Rumah Makan Marini Kecamatan Topoyo Kabupaten Mamuju Tengah","authors":"Kualitas Pelayanan, Terhadap Peningkatan, Loyalitas Konsumen, Rumah Makan, Marini Kecamatan, Topoyo Kabupaten, Mamuju Tengah, A. Amri, Jl.Poros Majene, Banggae Lembang, K. Timur, Sulawesi Majene, Barat","doi":"10.59024/jise.v2i3.797","DOIUrl":"https://doi.org/10.59024/jise.v2i3.797","url":null,"abstract":"Konsumen merupakan objek utama jalannya sebuah usaha. Segala kegiatan pemasaran yang diterapkan berdasarkan kebutuhan dan keinginan konsumen. Persaingan usaha didasarkan kepada bagaimana menunjukkan kualitas produk kepada konsumen. Setiap individu tentunya memiliki keinginan yang berbeda. Menjalankan sebuah usaha atau bisnis perlu mendapatkan kepuasan konsumen sebagai bentuk penilaian konsumen terhadap usaha yang dijalankan. penilaian konsumen mengenai kualitas pelayanan yang diterapkan rumah makan Marini, 4 indikator yang ditanyakan berada pada kategori sangat baik. Rumah makan Marini telah menerapkan kualitas pelayanan dengan baik sehingga dapat menarik minat konsumen. rumah makan Marini mendapatkan loyalitas konsumen dengan sangat baik hal ini dilihat dari 4 indikator yang menjadi penilaian responden memberikan nilai sangat baik sebagai bentuk dampak dari kualitas pelayanan yang memberikan kepuasan konsumen berjalan lurus dengan loyalitas konsumen. Meningkatkan loyalitas konsumen bertujuan agar konsumen tidak berpindah ke rumah makan lain.","PeriodicalId":516614,"journal":{"name":"JURNAL EKONOMI BISNIS DAN MANAJEMEN","volume":null,"pages":null},"PeriodicalIF":0.0,"publicationDate":"2024-06-06","publicationTypes":"Journal Article","fieldsOfStudy":null,"isOpenAccess":false,"openAccessPdf":"","citationCount":null,"resultStr":null,"platform":"Semanticscholar","paperid":"141379886","PeriodicalName":null,"FirstCategoryId":null,"ListUrlMain":null,"RegionNum":0,"RegionCategory":"","ArticlePicture":[],"TitleCN":null,"AbstractTextCN":null,"PMCID":"","EPubDate":null,"PubModel":null,"JCR":null,"JCRName":null,"Score":null,"Total":0}

{"title":"Analisis Inovasi Dan Implementasi Peran Ekonomi Syariah Dalam Menghadapi Era Digital","authors":"Muhammad Rizky Dwi Kurniawan, Fauzatul Laily Nisa","doi":"10.59024/jise.v2i3.789","DOIUrl":"https://doi.org/10.59024/jise.v2i3.789","url":null,"abstract":"Abstract. The digital era has brought significant changes across various sectors of life, including the economy. The continuously evolving digital technology presents new opportunities and challenges, particularly in the implementation of Islamic economics in Indonesia. This article aims to analyze the innovations and implementation of Islamic economics in facing the developments of the digital era. The theoretical review covers the principles of Islamic economics, technology in the digital era, and the role of digital technology in the context of Islamic economics. This research employs a literature review method to understand various innovations and implementations in Islamic economics. The study results show that Islamic fintech, blockchain, Islamic crowdfunding, and collaboration with E-Commerce marketplaces have had a positive impact by enhancing access, transparency, and efficiency in financial transactions. By leveraging technological innovations, Islamic economics can contribute to creating an inclusive and sustainable economic system, benefiting individuals and society as a whole. \u0000Keywords: Digital Era, sharia economics, Technological Innovation \u0000  \u0000Abstrak. Era digital telah membawa perubahan signifikan di berbagai sektor kehidupan, termasuk ekonomi. Teknologi digital yang terus berkembang memberikan peluang dan tantangan baru, khususnya dalam implementasi ekonomi syariah di Indonesia. Artikel ini bertujuan untuk menganalisis inovasi dan implementasi ekonomi syariah dalam menghadapi perkembangan era digital. Kajian teori mencakup prinsip-prinsip ekonomi syariah, teknologi di era digital, dan peran teknologi digital dalam konteks ekonomi syariah. Penelitian ini menggunakan metode kajian literatur untuk memahami berbagai inovasi dan implementasi dalam ekonomi syariah. Hasil studi menunjukkan bahwa fintech syariah, blockchain, crowdfunding syariah, dan kolaborasi dengan E-Commerce marketplace telah membawa dampak positif dengan meningkatkan akses, transparansi, dan efisiensi transaksi keuangan. Dengan memanfaatkan inovasi teknologi, ekonomi syariah dapat berkontribusi dalam menciptakan sistem ekonomi yang inklusif dan berkelanjutan, menguntungkan individu dan masyarakat secara keseluruhan. \u0000Kata kunci: Era Digital, Ekonomi Syariah, Inovasi Teknologi","PeriodicalId":516614,"journal":{"name":"JURNAL EKONOMI BISNIS DAN MANAJEMEN","volume":null,"pages":null},"PeriodicalIF":0.0,"publicationDate":"2024-06-05","publicationTypes":"Journal Article","fieldsOfStudy":null,"isOpenAccess":false,"openAccessPdf":"","citationCount":null,"resultStr":null,"platform":"Semanticscholar","paperid":"141383194","PeriodicalName":null,"FirstCategoryId":null,"ListUrlMain":null,"RegionNum":0,"RegionCategory":"","ArticlePicture":[],"TitleCN":null,"AbstractTextCN":null,"PMCID":"","EPubDate":null,"PubModel":null,"JCR":null,"JCRName":null,"Score":null,"Total":0}

{"title":"ANALISIS HUKUM EKONOMI SYARIAH TERHADAP PENYELESAIAN PEMBAYARAN BERMASALAH DI PERBANKAN SYARIAH","authors":"Fauzatul Laily, Pembayaran Bermasalah, Alternatif Penyelesaian Sengketa, Litigasi","doi":"10.59024/jise.v2i3.792","DOIUrl":"https://doi.org/10.59024/jise.v2i3.792","url":null,"abstract":"Problematic financing is an unavoidable risk for banks in providing financial services. This situation can occur when the debtor fails to fulfill his obligations to the bank, either due to business failure or deliberately not paying financing obligations according to the agreement due to the debtor's bad character. This research aims to identify the factors and impacts of problematic financing in sharia banking, the resolution mechanism, as well as the regulation and relevance of sharia economic law in resolving these problems. The method used is normative juridical (legal research) which focuses on studying the application of applicable positive legal rules or norms and is related to the substance of the research. The research results show that problematic financing factors originate from internal factors (managerial errors) and external factors (debtor errors). Resolving problematic financing can be done through alternative dispute resolution or litigation (resolved by the court). Meanwhile, sharia economic law regulations regarding the resolution of problematic financing can be carried out by means of tahkim, through qadhi, or resolved by means of al-ishlah.","PeriodicalId":516614,"journal":{"name":"JURNAL EKONOMI BISNIS DAN MANAJEMEN","volume":null,"pages":null},"PeriodicalIF":0.0,"publicationDate":"2024-06-05","publicationTypes":"Journal Article","fieldsOfStudy":null,"isOpenAccess":false,"openAccessPdf":"","citationCount":null,"resultStr":null,"platform":"Semanticscholar","paperid":"141381960","PeriodicalName":null,"FirstCategoryId":null,"ListUrlMain":null,"RegionNum":0,"RegionCategory":"","ArticlePicture":[],"TitleCN":null,"AbstractTextCN":null,"PMCID":"","EPubDate":null,"PubModel":null,"JCR":null,"JCRName":null,"Score":null,"Total":0}

{"title":"Pengaruh Teknologi Digital Dalam Perkembangan Layanan Perbankan Syariah","authors":"Priska Cintya, Fauzatul Laily","doi":"10.59024/jise.v2i3.788","DOIUrl":"https://doi.org/10.59024/jise.v2i3.788","url":null,"abstract":"Digital transformation has become an important issue in the financial industry, including Islamic banking in the current digital era. The development of digital technology has affected the way Islamic banks provide services to customers, allowing them to reach more customers in various locations without being limited by physical offices. Digital banking services developed using digital technology provide convenience, speed, and security in transactions to customers. This study aims to examine the influence of digital technology in the development of Islamic banking services. The money research method used is a literature study by analyzing various literature sources. The results show that digital transformation in Islamic banking has a significant impact, including increased efficiency, productivity, service quality, and customer satisfaction.","PeriodicalId":516614,"journal":{"name":"JURNAL EKONOMI BISNIS DAN MANAJEMEN","volume":null,"pages":null},"PeriodicalIF":0.0,"publicationDate":"2024-06-05","publicationTypes":"Journal Article","fieldsOfStudy":null,"isOpenAccess":false,"openAccessPdf":"","citationCount":null,"resultStr":null,"platform":"Semanticscholar","paperid":"141384799","PeriodicalName":null,"FirstCategoryId":null,"ListUrlMain":null,"RegionNum":0,"RegionCategory":"","ArticlePicture":[],"TitleCN":null,"AbstractTextCN":null,"PMCID":"","EPubDate":null,"PubModel":null,"JCR":null,"JCRName":null,"Score":null,"Total":0}

{"title":"Analisis Pengetahuan Mahasiswa Dan Lingkungan Keluarga Terhadap Bank Syariah","authors":"Olga Fatmah Rahmawati, Laily Fauzatul Laily Nisa","doi":"10.59024/jise.v2i3.787","DOIUrl":"https://doi.org/10.59024/jise.v2i3.787","url":null,"abstract":"Abstract. The Islamic financial industry in Indonesia is experiencing rapid development. Generally, Abstract. factors such as knowledge, needs, abilities, concerns and judgments influence customer decisions in using financial products. However, with the variety of influencing factors, many students and individuals with higher education are not yet interested in saving in Islamic banks. As students, they may have a superior understanding because as students, students continue to review the transformation of the times. As part of the academic world, students are accustomed to the continuous learning process, gaining deeper insights into changes and trends in various fields. This study aims to uncover the views of students and family circles who tend to prefer conventional banks over sharia banks. Likewise, this study is also intended to provide public understanding of bank selection knowledge, so that it can stimulate deeper discussions regarding individual considerations in choosing sharia banks. On the other hand, this study was compiled with the aim of clarifying the importance for students to consider their choices of  sharia banks. This study is intended to explore knowledge about sharia banking and the family environment towards sharia banks. The method applied in this study is a qualitative descriptive method. With data analyzed using a questionnaire filled out by 51 student respondents. The main objective of the study is focused on understanding the knowledge of students and family environment towards sharia banks, a descriptive qualitative approach with the intention of describing and analyzing the causes of a phenomenon. Data collection is carried out through observation and observation to describe the phenomena that occur. The research respondents consisted of 50 students from various campuses. The study revealed that there were variations in perception among students. and family environment, including in terms of gender, student knowledge, and the influence of the family environment on sharia banks. \u0000Keywords: Student knowledge, family environment, sharia bank  \u0000  \u0000Abstrak. Industri keuangan Islam di Indonesia sedang mengalami perkembangan. yang cepat. Umumnya, faktor-faktor seperti pengetahuan, kebutuhan, kemampuan, perhatian dan penilaian yang memengaruhi keputusan pelanggan dalam menggunakan produk keuangan. Meskipun begitu, dengan beragamnya faktor yang memengaruhi, banyak mahasiswa dan individu yang memiliki pendidikan tinggi belum tertarik untuk menabung di bank syariah. Sebagai mahasiswa mungkin memiliki pemahaman yang lebih unggul karena sebagai pelajar, mahasiswa terus meninjau transformasi zaman. Sebagai bagian dari dunia akademis, mahasiswa terbiasa dengan proses pembelajaran yang berkelanjutan, memperoleh wawasan yang lebih mendalam tentang perubahan dan tren dalam berbagai bidang. Penelitian ini bertujuan untuk mengungkap pandangan mahasiswa dan lingkup keluarga yang cenderung lebih memilih bank konvensional daripada bank s","PeriodicalId":516614,"journal":{"name":"JURNAL EKONOMI BISNIS DAN MANAJEMEN","volume":null,"pages":null},"PeriodicalIF":0.0,"publicationDate":"2024-06-04","publicationTypes":"Journal Article","fieldsOfStudy":null,"isOpenAccess":false,"openAccessPdf":"","citationCount":null,"resultStr":null,"platform":"Semanticscholar","paperid":"141386775","PeriodicalName":null,"FirstCategoryId":null,"ListUrlMain":null,"RegionNum":0,"RegionCategory":"","ArticlePicture":[],"TitleCN":null,"AbstractTextCN":null,"PMCID":"","EPubDate":null,"PubModel":null,"JCR":null,"JCRName":null,"Score":null,"Total":0}